Common use of Supplement to the Cardmember Agreement Clause in Contracts

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122744 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve Amazon Business American Express Card How Amazon Prime membership and your Card Your rewards options on designated Amazon properties We determine your rewards status based on whether the Xxxxxx.xxx or Amazon Business account through which you receive miles You receive 1 mile applied for each $1 of your Card (your "Amazon account") has an eligible purchases Prime membership. Additional Cards on your Delta SkyMiles® Reserve American Express Card Account will have the same rewards status as your Card. Your rewards status will change if your Prime membership changes (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing eligible Prime membership ends). Your rewards status will be updated within 48 hours after a change to your eligible Prime membership. See the Amazon Rewards Program Agreement at xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxxxx (the "Rewards Program Terms") for information about eligible Prime membership and information about how to confirm your rewards status. When using your Card for eligible purchases on designated Amazon properties, you will have the option to either (i) earn % Back rewards on your purchase or (ii) select Payment Terms for a fixed period closes January 15 of time. We refer to this option as your rewards option. You will not earn % Back rewards on any purchase for which you choose Payment Terms. See the Rewards Program Terms for information on eligible purchases and the minimum payment designated Amazon properties. If your Amazon account has an eligible Prime membership at the time your Card application is submitted, you will be issued a Card with Prime branding. If your Amazon account does not have an eligible Prime membership at the time your Card application is submitted, you will be issued a Card without Prime branding. If your rewards status changes, we may, but are not required to, send you a new Card branded to reflect your rewards status. If we send you a new Card, your account number will remain the same. Your rewards status when you make a purchase, and not the branding on your Card or Card communications, will determine whether you will receive the benefits associated with eligible Prime membership for that billing period purchase. Your default selection for your rewards option will initially be set to earn % Back rewards. See the Rewards Program Terms for information on how you may update your default rewards selection. For some purchases on designated Amazon properties, you may be allowed to select your rewards option at the point of sale. In those instances, only your selection at point of sale will be honored, even if it differs from your default selection. Additional Cardmembers cannot select the rewards option at the point of sale in the same way the Basic Cardmember can; the selected default rewards option will apply to such purchases. You cannot change the rewards option which is due on February 10applied to your purchase, or to a purchase made by an Additional Cardmember, after the applicable purchase has been made. Payment Terms option If you have an eligible Prime membership at the time of purchase, and you select the Payment Terms option, or if your default selection for Payment Terms applies, payment will be due no less than 90 days from the date of purchase. If you do not make that minimum have an eligible Prime membership at the time of purchase, and you select the Payment Terms option, or if your default selection for Payment Terms applies, payment will be due no less than 60 days from the date of purchase. % Back rewards % Back rewards are governed by this Agreement and the due date on February 10Rewards Program Terms. If you select the % Back rewards option during the checkout process, then or if your default selection for % Back rewards applies, you will not earn miles for purchases % Back rewards on that purchase. Payment Terms balances are included in your Minimum Payment Due calculation. See How we calculate your Minimum Payment Due and When we charge interest section in Part 2 of the billing period ending February 15Agreement. You may reinstate those miles within simply see "% Back" in marketing materials when referring to the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How rewards you can receive a Status BoostTM award earn. CMAENPSP0000248 Page 3 of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. 3 FDR 1122744 1122596 Cardmember Agreement: Part 2 of 2 Doc 28549 28514 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean Except as provided below, Basic Cardmember means the person who applied for this Account and for or to whom we opened address billing statements. Company means the Accountbusiness for which the Account is established. You and your also mean anyone who agrees to pay for this Accountthe Basic Cardmember and the Company. You are agree, jointly and severally, to be bound by the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)terms of this Agreement.

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve Gold Business American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Gold Business American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 1 additional miles mile (a total of 32) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at merchants in the United States for advertising in select media. Purchases must be directly from media providers in the United States in order to promote a business. You will not earn additional miles on direct mail advertising. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at merchants in the United States for courier, postal, and freight shipping services. Purchases must be directly from courier, postal, and freight shipping service providers in the United States. You will not earn additional miles for shipping costs added to retail purchases or moving services. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles $100 Delta Flight Credit each calendar year You may Other things you should know about this program If, in any calendar year, eligible purchases on your Card Account total $10,000 or more, you will receive a Status BoostTM award $100 credit that can be redeemed with Delta toward a Delta flight purchase. A Delta flight purchase means purchases of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar yearDelta- marketed flights made directly with Delta. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchasesThe credit is only valid for payment for flights, including fare, surcharge and government- imposed taxes and fees. The eligible credit may also be applied toward the Delta airfare portion of a Delta Vacations package. The credit is not valid for other types of fees (including bag fees, change fees, upgrades or other ancillary purchases required to receive these awards are shown belowor fees with Delta). Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 The credit You may forfeit some or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if all of the miles you have more than one consumer Reserve Card Account linked to received for items that are not purchased for use or consumption by the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days Company in its ordinary course of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household usebusiness. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. does not have any cash value. The credit expires within one year from the date of issuance and must be redeemed on or before the expiration date. The credit will be issued to you within 8 to 12 weeks after meeting the purchase requirement in the form of a redeemable code and sent to you in an email from Delta to the email address listed on your SkyMiles account. For more information, log into your SkyMiles account on xxxxx.xxx. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122744 1122694 Cardmember Agreement: Part 2 of 2 Doc 28549 27311 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean Except as provided below, Basic Cardmember means the person who applied for this Account and for or to whom we opened address billing statements. Company means the Accountbusiness for which the Account is established. You and your also mean anyone who agrees to pay for this Accountthe Basic Cardmember and the Company. You are agree, jointly and severally, to be bound by the Basic Cardmemberterms of this Agreement. You may request a card for When you or an Additional Cardmember Cardmember, as defined below, use the Account (see About Additional Cardmembers in Part 2or sign or keep a card), you agree to the terms of the Agreement.

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve Business American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you receive 0.5 additional miles (a total of 1.5) for each $1 of eligible purchases made after reaching $150,000 in eligible purchases through the end of the same calendar year. The extra one-half mile per dollar is not in addition to any additional miles you already earn from using the Card, including Delta purchases. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not receive additional miles. A purchase may not receive additional miles if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer you will receive your miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Closing Date of the billing period in which it is due, you will forfeit the miles you earned received for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date close of your next billing period on February 1015, then you will not earn miles for purchases spend in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's MQMs Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer business Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You will receive may forfeit some or all of the miles only you have received for eligible purchases intended items that are not purchased for personal, family use or household useconsumption by the Company in its ordinary course of business. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122744 1122584 Cardmember Agreement: Part 2 of 2 Doc 28549 27311 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).Works

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve Business American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. How you receive additional miles Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, including gift cards, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Stays prepaid hotels and vacation rentals ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages You receive 0.5 additional miles (a total of 1.5) for each $1 of eligible purchases on your Card Account charged at merchants in the United States for courier, postal, and freight shipping services. Purchases must be directly from courier, postal, and freight shipping service providers in the United States. You will not earn additional miles for shipping costs added to retail purchases or moving services. You receive 0.5 additional miles (a total of 1.5) for each $1 of eligible purchases on your Card Account charged at office supply stores located in the U.S. Office supply stores are in the business of selling a range of office supplies, including items like: paper, notebooks, office equipment, and office furniture. Office supplies purchased at other retail stores will not earn additional miles. You receive 0.5 additional miles (a total of 1.5) for each $1 of eligible transit purchases on your Card Account. Eligible transit purchases include purchases with train, taxicab, ride share service, ferry, toll, parking, bus, and subway merchants. Purchases of airfare, car rental and cruises are not considered eligible transit purchases. If in any calendar year eligible purchases made on the Card total more than $150,000, you receive 0.5 additional miles (a total of 1.5) for each $1 of eligible purchases made after reaching $150,000 in eligible purchases through the end of the same calendar year. The extra one-half mile per dollar is not in addition to any additional miles you already earn from using the Card, including Delta purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer you will receive your miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122744 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Supplement to the Cardmember Agreement. How Your Reward Program Works Delta SkyMiles® Reserve American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxxxxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQM's Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one consumer Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122744 1122723 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).