WHAT DO I NEED TO ENROLL? You need to have an eligible VISA or MasterCard credit card in your name, in order to enroll.

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1 HOW DO I ENROLL? You are automatically enrolled once approved for an eligible credit card in your name. WHAT DO I NEED TO ENROLL? You need to have an eligible VISA or MasterCard credit card in your name, in order to enroll. HOW DO I EARN POINTS? You earn one point for every dollar you spend by making a qualified credit card transaction. You may also be eligible to earn additional bonus points during special promotional periods for which will be described in your program rules and such promotional materials WHAT ARE QUALIFIED TRANSACTIONS? Qualifying transaction are virtually all signature transactions qualify to earn points. A signature transaction is one made at a VISA merchant location, including internet/mail order/phone order transactions, where you did not use a Personal Identification Number (PIN) to complete the transaction. PIN-based transactions, including ATM transactions, DO NOT qualify to earn points. Signature transactions that are excluded from earning points include gaming related purchases, cash access transactions such as the purchase of travelers checks or money orders, and cash advance transactions. WHEN DO I BEGIN EARNING POINTS? You begin earning points immediately. In fact, when you are approved for your eligible card (s), points will be earned on all qualified transactions made in that calendar month even if it was prior to your enrollment! Your points balance will be updated monthly and will usually be reflected within 10 days after the last day of the calendar month. HOW CAN I CHECK MY POINT TOTAL? You can pull up your point history, including points earned and redeemed, online at or by calling the Rewards Cardholder Service Center at from 9 a.m. to 9 p.m. EST seven days a week. WHAT CAN I REDEEM MY POINTS FOR? You may redeem your points for gift cards, merchandise, and for travel related items such as airline tickets, cruise travel, hotel stays, tours and attractions, and car rentals. Points can be redeemed anytime online at or by calling the Rewards Service Center at from 9 a.m. to 9 p.m. EST seven days a week. DO MY POINTS EXPIRE? Unused points begin to expire five (5) years after they were earned. For example, points awarded on February 1, 2011 will expire on February 1, You can check your point history online at or by calling the Rewards Cardholder Service Center at from 9 a.m. to 9 p.m. EST seven days a week, to determine if any of your points will soon expire. WHAT IS THE MAXIMUM NUMBER OF POINTS I CAN EARN? No points cap! There is no limit to the amount of reward points you can earn in a given calendar year.

2 Page 2 of 5 WHOM SHOULD I CONTACT IF I NEED MORE INFORMATION? If you need additional information or help with anything not listed here, call the Rewards Service Center at from 9 a.m. to 9 p.m. EST seven days a week. HOW CAN I BOOK AIRLINE TRAVEL THROUGH THE REWARDS WEBSITE? To book your flight through PointsQuest, you can either go online at or call PointsQuest Customer Service at (800) WHAT AIRLINES CAN I BOOK THROUGH THE REWARDS WEBSITE? You can book travel on all major domestic and international airlines. We have over 200 airlines available for you to choose from. For Southwest Airlines and WOW airlines please call PointsQuest Customer Service at (800) for assistance with booking. CAN I PURCHASE TICKETS FOR A TRAVEL COMPANION EVEN IF I DON T HAVE ENOUGH POINTS TO REDEEM FOR A TICKET? Yes, you can use any combination of points and cash to purchase airline tickets. HOW DO AIRLINE REDEMPTIONS WORK? You can search for the flights you want to book online at the travel rewards section of the rewards website. If you do not have enough points to purchase the entire ticket, you may redeem for a portion of the cost and pay the balance on your PointsQuest Rewards Credit Card. You may also redeem your points for travel by calling PointsQuest Rewards Customer Service at (800) There are no blackout periods, but tickets are subject to availability. As long as a seat is available, you may redeem points for a ticket. CAN I UPGRADE MY AIRLINE TICKET TO BUSINESS CLASS OR FIRST CLASS? For the all of our airline rewards, you can redeem your points for any class of service. You may not upgrade your ticket once booked. ARE ALL TAXES AND FEES INCLUDES IN THE COST OF THE TICKET? No, baggage fees (for airlines) and international departure taxes are not included in the price of your airline ticket. WHO DO I CONTACT IF SOMETHING GOES WRONG WITH MY FLIGHT? You may contact the airline directly. You will receive contact numbers on your flight itinerary, which will be ed to you after you redeem points for air travel. WHAT HAPPENS IF I CANCEL A FLIGHT BOOKED THROUGH THE REDEMPTION CENTER? Many tickets are non-refundable. Any changes to itinerary must be handled directly with the airline listed on your itinerary or with the Rewards Center. You may be subject to fees enforced by the airlines for changes to your flight itinerary, service fees and increases in fares. If you are a no-show, your award is void with no refund. CAN I RECEIVE AIRLINE FREQUENT FLYER MILES FOR AIRLINE TICKETS USING POINTS? Yes. To receive airline miles for flying, you should provide your airline frequent flyer number when you redeem your points for airline travel.

3 Page 3 of 5 CAN I COMBINE MY POINTSQUEST REWARDS POINTS AND MY FREQUENT FLYER MILES FOR FREE AIRLINE TICKETS? No, our program is unique to PointsQuest and you can only redeem your points for rewards at or by calling PointsQuest Rewards Customer Service at (800) If you have airline miles, you need to work with each individual airline s frequent flyer program separately. HOTEL REDEMPTION INFORMATION HOW CAN I BOOK HOTEL ROOMS THROUGH THE REWARDS WEBSITE? To book your hotel reservations through PointsQuest, you can either go online at WHAT HOTELS CAN I BOOK THROUGH THE REWARDS WEBSITE? You can book all major hotel chains as well as many boutique style hotels worldwide. With your rewards you have access to over 200,000 hotels. ARE MEALS INCLUDED WITH MY HOTEL RESERVATIONS? Based on the hotel and type of room booked you may have a breakfast included. We do have some all-inclusive hotels available for booking in the Caribbean, Mexico and other destinations. Please review the room descriptions for specific meal inclusions with the selected room category and rate. CAN I PURCHASE HOTEL ROOMS FOR A TRAVEL COMPANION EVEN IF I DON T HAVE ENOUGH POINTS TO REDEEM? Yes, you can use any combination of points and cash to purchase hotel rooms. HOW DO HOTEL REDEMPTIONS WORK? You can search for the hotels you want to book online at the travel rewards section of the rewards website. If you do not have enough points to purchase the hotel stay, you may redeem for a portion of the cost and pay the balance on your PointsQuest Rewards Credit Card. You may also redeem your points for hotels by calling PointsQuest Rewards Customer Service at (800) There are no blackout periods, but hotel rooms are subject to availability. ARE ALL TAXES AND FEES INCLUDED IN THE PRICE OF THE ROOM? No, select resorts will impose resort fees that are excluded from the hotel room rate and taxes. WHAT HAPPENS IF I CANCEL A HOTEL BOOKED THROUGH THE REDEMPTION CENTER? Some hotel rates are non-refundable, and therefore no refund of points or cash would be allowed. Any other rate type your refund of points and cash would be based on the cancellation period and any imposed cancellation penalties by the hotel. Most hotels have a minimum of a 24-hour cancellation period. Please check the cancellation policy of on your reservation. If you are a no-show, your award is void with no refund.

4 Page 4 of 5 CAN I RECEIVE HOTEL FREQUENT GUEST CREDIT WHEN USING POINTS? No. Due to special pricing, offers and package rates you will not receive hotel frequent guest credit for bookings done through the PointsQuest Rewards Center CAN I COMBINE MY POINTSQUEST REWARDS POINTS AND MY FREQUENT GUEST POINTS FOR HOTEL STAYS? No, our program is unique to PointsQuest and you can only redeem your points for rewards at or by calling PointsQuest Rewards Customer Service at (800) If you have hotel points, you need to work with each individual hotel s frequent guest program separately. CAR REDEMPTION INFORMATION HOW CAN I BOOK CAR RENTALS THROUGH THE REWARDS WEBSITE? To book your car reservations through PointsQuest, you can either go online at WHAT CARS CAN I BOOK THROUGH THE REWARDS WEBSITE? You can book using your PointsQuest Rewards point with Alamo, National and Enterprise. We do offer other major car rental companies for courtesy bookings only. HOW DO CAR REDEMPTIONS WORK? You can search for the car you want to book online at the travel rewards section of the rewards website. If you do not have enough points to purchase the car rental, you may redeem for a portion of the cost and pay the balance on your PointsQuest Rewards Credit Card. You may also redeem your points for car rentals by calling PointsQuest Rewards Customer Service at (800) There are no blackout periods, but car rentals are subject to availability. ARE ALL TAXES AND FEES INCLUDED IN THE PRICE OF THE RENTAL CAR? Yes Note: you will be required to pay for gas and any special equipment such as car seats or GPS devices. You will also be required to provide a credit card at the time of rental as a security deposit. Insurance and extra driver fees are also not included in the rental price. WHAT IS THE MINIMUM AGE FOR CAR RENTAL RESERVATIONS? The minimum age for car reservations is 25 and the driver must have a major credit card. CAN I RENT A CAR WORLDWIDE? Currently car pay with points is only available in the United States, at airport locations. WHAT HAPPENS IF I CANCEL A CAR BOOKED THROUGH THE REDEMPTION CENTER? Car rental reservation must be cancelled 24-hours prior to pick-up. If you are a no-show, your award is void with no refund. CAN I RECEIVE CAR FREQUENT RENTAL CREDIT WHEN USING POINTS? Yes please provide your frequent rental number at the time of reservation.

5 Page 5 of 5 CAN I COMBINE MY POINTSQUEST REWARDS POINTS AND MY FREQUENT RENTAL POINTS FOR CAR RESERVATIONS? No, our program is unique to PointsQuest and you can only redeem your points for rewards at or by calling PointsQuest Rewards Customer Service at (800) If you have car rental points, you need to work with each individual car companies frequent rental program separately. TOURS AND ATTRACTION REDEMPTION INFORMATION HOW CAN I BOOK TOURS AND ATTRACTIONS THROUGH THE REWARDS WEBSITE? To book your tour and attraction reservations through PointsQuest, you can either go online at HOW DO TOUR AND ATTRACTION REDEMPTIONS WORK? You can search for the tour or attraction you want to book online at the travel rewards section of the rewards website. If you do not have enough points to purchase the tour or attraction, you may redeem for a portion of the cost and pay the balance on your PointsQuest Rewards Credit Card. You may also redeem your points for tours and attractions by calling PointsQuest Rewards Customer Service at (800) There are no blackout periods, but tours and attractions are subject to availability. ARE ALL TAXES AND FEES INCLUDED IN THE PRICE OF THE TOURS AND ATTRACTIONS? Yes IS THERE MINIMUM AGE REQUIREMENT FOR TOURS AND ATTRACTIONS? Yes there can be a minimum age requirement for certain shows or events. WHAT OTHER REQUIREMENTS OR LIMITATIONS CAN THERE BE FOR TOURS AND ATTRACTIONS? Certain tours and attractions can have restrictions as to height, weight, physical ability and minimum/maximum number of participants. Please review all details and disclosures of each activity prior to confirming your reservation. WHERE CAN I BOOK TOURS AND ATTRACTIONS? We have tours and attractions available worldwide in most major cities. WHAT HAPPENS IF I CANCEL A TOUR OR ATTRACTION BOOKED THROUGH THE REDEMPTION CENTER? Some events are non-refundable once confirmed. Otherwise all cancellations must be done a minimum of 72-hours prior to the date of the event. If you are a no-show, your award is void with no refund.

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