VISA Credit Card ScoreCard Rewards Program

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1 VISA Credit Card ScoreCard Rewards Program Effective March 1, 2016 consumer and business VISA Credit Card holders can now enjoy great gifts and travel awards. With free automatic enrollment in the ScoreCard program, customers can turn the dollars they spend into bonus points that are redeemable for a wide array of brand merchandise and travel awards. Eligible Card Programs include: o VISA Classic o VISA Gold o VISA Small Business ScoreCard Customer Service: hours a day, 7 days a week; closed major holidays ScoreCard Travel Services: Standard Hours: Monday to Sunday 8 am 12 am (EST); closed major holidays Frequently Asked Questions How do I log in to the ScoreCard Rewards website? On your first visit to the site you will need to set up your profile with a username and password. You will also be asked to set up some security questions and answers for password retrieval. Once you create your profile you will log in with your username and password. You may browse the rewards site by clicking on the Browse Catalog link from the log in page. How do I earn Points? Points earned are based on your qualifying net purchases (purchases minus returns and/or other related credits) and you earn one point for every one dollar spent. You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for PIN based transactions, cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account, unless noted in a promotional offer. Credits to your Account (such as for returns of purchases) will reduce the Points available in your account.

2 When can I redeem Points? You may redeem Points anytime as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding) and you have enough Points to redeem the requested award. How do I redeem Points? Points may be redeemed at If you don t have access to the website, you can also call Award Headquarters at (800) to have a catalog shipped to you to review and order accordingly. Why don't I see my Points yet? You may not see all your Points accumulate immediately after a transaction takes place. Because of varied transaction processing timeframes, the ScoreCard Rewards site or Rewards summaries may not include all your points. Check back after a few days to see if your Point total has been adjusted accordingly. Where can I get a complete list of available awards? The ScoreCard Rewards Program has a complete list at Whom should I contact if I have questions regarding redeeming Points? Call Award Headquarters at (800) What is ScoreMore TM? ScoreMore is a feature of the ScoreCard program that allows you to earn additional Points when you use your card to make a qualifying purchase at a participating ScoreMore retailer. Simply click on the ScoreMore link once you ve logged on to You ll be able to view details of all participating retailers and their offers. When are Travel Services agents available? Travel Services agents are available Monday Sunday 8:00am 12:00am (Eastern Standard Time) to book your travel arrangements. Closed major holidays.

3 Can I book my travel using Points? Yes! You can book select Universal tickets awards online at the rewards consumer website with Points. In addition, you can purchase airline tickets (including companion tickets) and car and hotel reservations! Please visit or call Travel Services at (800) for details. How many Points are required for a ticket? The actual number of Points required will be based on your travel dates, origin and destination cities, airline, availability, and how far in advance you are making your reservations. The good news is you are in control and the choice is yours! Can I still redeem if I do not have enough points for a ticket? Yes! We want to make sure your next trip is within reach, which is why we ve added the flexibility of allowing you to redeem the Points you do have and pay the difference via your ScoreCard or another payment card. How many airline award options do I have? There are several options to accommodate most travelers needs. See for full award descriptions and Point requirements. Are there blackout periods for travel? No, however, unless otherwise specified, seats are based on advance category award space availability. We recommend you plan in advance for best availability. Are there any origin or destination restrictions? This program allows you to fly from virtually anywhere to virtually anywhere in the world! Can I change or return my airline ticket if my plans change after the ticket is issued? Changes and cancellations can be made only if the Supplier and specific air ticket rules permit the modifications. A $40 per ticket service fee will be charged by the travel supplier for all exchanges, modifications, or cancellations, in addition to any applicable airline penalties and/or fare difference. Can I book a cruise online? Yes you can. If you are planning to book a flight or another component to go along with your cruise, you must book the cruise as a separate order from any other travel component you wish to redeem for on the catalog.

4 How do I change or cancel my car, hotel, activity or cruise booking? You must contact the Travel Rewards for all modification and cancellation requests as the policies are different for each travel award. Can I purchase airline tickets or other travel items from Travel Services without using my Points? Yes. Travel Services can assist in booking your purchase travel needs and you can also purchase online. What are the fees for each award? The booking fees are included in the total number of points required for the travel redemption so you can use your points and you don t have to pay the booking fees out of pocket. Please note the point requirement differs between on-line and travel agent assisted booking due to a higher fee charged for the agent assistance. Award Channel *Booking Fee (per ticket) Air Car Hotel Cruise Activities Tour/Packages $25.00 $30.00 $30.00 *Booking fees are included in the total number of points required for the travel redemption. Award Channel *Modification Fee (per ticket) Air Modifications and Call Cruise Modifications and Call Fees may vary by cruise line + Hotel/Car/Activity Modifications and Call Fees may vary by hotel, car rental or activity supplier + *Modification fees are paid separately in cash. + Additional fee details are available on or call Travel Services at

5 What is the order process for a hotel or car travel award certificate? In addition to booking online, you can also order certificates to be used to cover a portion or the cost for hotel reservations and car bookings. Prior to redeeming Points for a hotel or car travel award certificate, please contact the hotel or car rental location you plan to visit to confirm they will accept the certificate with the discount offered in the certificate. Once confirmed, you can submit your order online or through an Award Headquarters representative by calling Certificates are usually shipped within 4-6 weeks of processing your order. Upon receipt of your certificate, make your advance reservation by calling the number listed on the certificate and inform the reservation agent of the certificate. Advance reservations are required in order to use your certificate. At time of check in, present your certificate with your method of payment for any additional fees. June 30, 2016

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