Common use of Supplement to the Cardmember Agreement Clause in Contracts

Supplement to the Cardmember Agreement. How Your Reward Program Works American Express Cash Magnet® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (reward dollars) for eligible purchases on your Cash Magnet Card (Card Account). The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, or • purchases of any cash equivalents. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason.

Supplement to the Cardmember Agreement. How Your Reward Program Works American Express Cash MagnetPlenti® Card rewards program How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (reward dollars) for receive Plenti points For each dollar spent on eligible purchases on using your Cash Magnet Plenti® Credit Card from Amex (Card Account), you get one Plenti point (point). The number You also get: ● 2 additional points (for a total of reward dollars you earn is based 3 points) for each dollar spent on a percentage the first $6,000 of the dollar amount of your eligible purchases during in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); and ● 1 additional point (for a total of 2 points) for each billing period. You will earn a reward of 1.5% dollar spent on your eligible purchases. purchases at restaurants located in the U.S. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. Merchants are assigned codes based on what they primarily sell. A purchase will not earn reward dollars additional points if the merchant's code is not eligible. Purchases made through a third-party payment account, at an online marketplace, or using a mobile card reader may not earn additional points. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx- info for eligible purchases more information about rewards. When we transfer points Plenti points received from using your Card will be posted to your Plenti rewards account at the end of the billing period following the one in which the transaction for which you received them took place. To be eligible to receive points, your Card Account during a billing period if must be active and not in default at time of fulfillment. When you will forfeit points received on your Card Account Other things you should know about your Card Account Other things you should know about the Plenti rewards program If the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption is due, you will be in forfeit the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, or • purchases of any cash equivalents. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits points you received for eligible purchases will reduce during that billing period. To reinstate points, pay a $35 fee per Card Account per billing period where points were forfeited. You may reinstate points within the next 12 billing periods. You may receive Plenti points when you make a purchase at a participating Plenti partner in multiple ways, including: (1) by paying with your Card; and (2) by using your Plenti rewards card. The terms for receiving Plenti points may differ between the two. That means the number of reward dollars Plenti points that you earn. From time to time we may, at our option, offer receive for the same transaction may vary and there may be instances where you other ways to redeem reward dollars, such as receive Plenti points for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if purchases with your Card Account is cancelled and from using your Plenti rewards card, or past duefrom one but not the other. When In order to be eligible to receive the maximum number of Plenti points for a purchase at a participating Plenti partner when you will forfeit reward dollars You will forfeit your entire reward dollar balance if use your Card Account is cancelled for any reason.payment, you

Supplement to the Cardmember Agreement. How Your Reward Program Works Hilton HonorsTM Surpass® Card from American Express Cash Magnet® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars receive points You will earn Reward Dollars receive 3 Hilton HonorsTM Bonus Points (reward dollarspoints) for each dollar of eligible purchases on your Cash Magnet Hilton HonorsTM Surpass® Card from American Express (Card Account). The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: • ● fees or interest charges, • ● balance transfers, • ● cash advances, • ● purchases of traveler's checks, • ● purchases or reloading of prepaid cards, or • ● purchases of any cash equivalents. How you receive additional points You receive 9 additional points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a participating property within the Hilton portfolio. You receive 3 additional points (a total of 6) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not receive additional points. Merchants are typically assigned codes and categorized based on what they primarily sell. A purchase will not receive additional points if the merchant, or a particular merchant location, uses a code that is not eligible for additional points. For questions about additional points on a purchase, call the number on the back of your Card. A purchase may not receive additional points 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/xxxxxxx-xxxx for more information about rewards. Credits When we transfer points We transfer the points you receive to your Hilton Honors program account after the end of the billing period in which you received them. When you will forfeit points If the Minimum Payment Due is not paid by the Closing Date of the billing period in which it is due, you will forfeit the points you 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 close of your next billing period on February 15, then you will reduce not earn points for spend in the number of reward dollars you earnbilling period ending February 15. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollarsHilton Honors Status You will receive complimentary Hilton Honors Gold status with your Hilton Honors Surpass Card. You cannot redeem reward dollars may receive an upgrade to Hilton Honors Diamond status based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year reach $40,000 or more, you will be enrolled in the Hilton Honors Diamond status. Only the Basic Cardmember will be enrolled. You may reinstate those points within the next 12 billing periods if your Card Account is cancelled not past due and you pay a $35 fee. It will take about 10 to 12 weeks after the eligible purchases level is reached for your status to become effective. Your upgrade will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for an upgrade. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Other things you should know about this program You will receive points only for eligible purchases intended for personal, family or past duehousehold use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your points. We are not responsible for points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership, earning of Points & MilesTM and redemption of points are subject to Hilton Honors Terms and Conditions. You should refer to that document for details on: ● how to redeem your points, ● Xxxxxx'x right to change their program terms, and ● other conditions that may apply to the Hilton Honors program. FDR 997194 Cardmember Agreement: Part 2 of 2 Doc 28255 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 forfeit reward dollars 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 will forfeit and your entire reward dollar balance if mean the person who applied for this Account and for whom we opened the Account. You and your Card Account is cancelled also mean anyone who agrees to pay for any reasonthis 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 Amazon Business American Express Cash Magnet® 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 earn reward dollars applied for your Card (your "Amazon account") has an eligible Prime membership. Additional Cards on your Account will have the same rewards status as your Card. Your rewards status will change if your Prime membership changes (for example, if your 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 you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (reward dollars) using your Card for eligible purchases on your Cash Magnet Card designated Amazon properties, you will have the option to either (Card Account). The number of reward dollars you i) earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% Back rewards on your eligible purchasespurchase or (ii) select Payment Terms for a fixed period of time. Eligible purchases are purchases made on We refer to this option as your Card for goods and services minus returns and other creditsrewards option. You will not earn reward dollars % Back rewards on any purchase for which you choose Payment Terms. See the Rewards Program Terms for information on eligible purchases posted to and the designated Amazon properties. If your Amazon account has an eligible Prime membership at the time your Card Account during application is submitted, you will be issued a billing period if Card with Prime branding. If your Amazon account does not have an eligible Prime membership at the Minimum Payment Due shown on 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 statement for that billing period is same. Your rewards status when you make a purchase, and not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear branding on your Card Account within 3 days and or Card communications, will determine whether you will receive the benefits associated with eligible Prime membership for that 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 the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, or • purchases of any cash equivalents. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollarspurchases. You cannot redeem reward dollars change the rewards option which is applied 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 Card default selection for Payment Terms applies, payment will be due no less than 90 days from the date of purchase. If you do not 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 Rewards Program Terms. If you select the % Back rewards option during the checkout process, or if your default selection for % Back rewards applies, you will earn % 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 Agreement. You may simply see "% Back" in marketing materials when referring to the rewards you can earn. FDR 1122642 Cardmember Agreement: Part 2 of 2 Doc 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. We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means the person who applied for this Account or to whom we address billing statements. Company means the business for which the Account is cancelled or past dueestablished. When you will forfeit reward dollars You will forfeit and your entire reward dollar balance if your Card Account is cancelled for any reasonmean the Basic Cardmember and the Company. You agree, jointly and severally, to be bound by the terms of this Agreement.

Supplement to the Cardmember Agreement. How Your Reward Program Works American Express Blue Cash MagnetEveryday® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Magnet Card (Everyday® Card Account). The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each the billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card 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, or ● purchases of any cash equivalents. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 2% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 2% on eligible purchases at select major department stores located in the U.S. (The current list of select major department stores at which you can earn a 2% reward is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits in increments of 25 whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial The credit cannot be more than the amount of the outstanding balance on your Card Account. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage reward. Merchants are typically assigned codes and categorized based on what they primarily sell. A purchase will not earn a higher percentage reward dollar redemptions will receive an equivalent statement credit amount (e.g.if the merchant, 32.11 reward dollars can be redeemed or a particular merchant location, uses a code that is not eligible for a $32.11 statement credit)higher percentage reward. Eligible purchases do NOT include: • fees For questions about a higher percentage reward on a purchase, call the number on the back of your Card. A purchase may not earn a higher percentage reward if the merchant submits the purchase using a mobile or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases wireless card reader or reloading of prepaid cards, if you use a mobile or • purchases of any cash equivalentsdigital wallet. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx xxxxxxxxxxxxxxx.xxx/xxxxxxx- info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, may at our option, option offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled past due or past dueyou have a returned payment outstanding. When you will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason.