Common use of Billing Rights Clause in Contracts

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 18% This 11.25%This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum Preferred Rewards Pricing Effective 05/19/2023

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1815.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum Rewards C Pricing Effective 0519/2023

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1816.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Signature Pricing C Effective 05/19/2023

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1810.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum C Pricing Effective 8/1/2022

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1811.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum Rewards C Pricing Effective 8/1/2022

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1815.5% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 189.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 8/1/2022

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 187.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum Preferred Rewards Pricing Effective 8/1/2022

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 188.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Platinum B Pricing Effective 8/1/2022

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1815.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.. Penalty Fees • Late Payment $15 Signature Pricing C Effective 03/13/2023

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1812.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 1812.00% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee $95 None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions.