General Credit Card Rules. General Debit Card Rules. Travel Redemption Rules. Travel Fees. Airline Travel Award Options

Transcription

1 General Credit Card Rules General Debit Card Rules Travel Redemption Rules Travel Fees Airline Travel Award Options

2 Bank of the West Rewards Program Rules for Credit Card Accounts Definitions 1. a. Account means the eligible Bank of the West Rewards credit card, or any replacement thereof, enrolled in the Bank of the West Rewards Program ( Program ). b. Award(s) means the rebates, services, merchandise and travel offered to the holder(s) of an Account after you claim the Points you may accrue pursuant to these Rules. c. Bank means Bank of the West. d. Good Standing means not closed, cancelled or terminated by either party, over-the-credit-limit, delinquent, or otherwise not available to use for new transactions. e. Rules means the Bank of the West Rewards Program rules. f. You or Your refers to the holder(s) of an Account. How Points work 2. As provided in these Rules, Bank accrues Points on an Account that: (i) you charge with your Bank of the West credit card enrolled in the Program; and (ii) appears on your Account statement during the Program. Bank accrues Point(s) for every one ($1) dollar in net qualifying purchases (purchases minus returns/credits) at the rate specified in the table below based on Account type and merchant category. Points are calculated separately on each transaction by rounding to the nearest whole point. Balance transfers, cash advances, convenience checks, interest charges and any kind of fees charged to the account do not count as purchases and no Points are accrued. Any credits, except payments made on the account, will reduce the number of Points available based on the dollar amount of the credit. Bank is not responsible for any delay in a merchant posting of a transaction to your Account. Account Type Travel & Restaurant Merchant Categories Purchases in other Merchant Categories Wealth Management World Elite MasterCard 3 points per $1 1.5 points per $1 World MasterCard 3 points per $1 1 point per $1 Platinum Rewards Standard (with Rewards) Business Rewards 1 point per $1 1 point per $1 Please note, merchants accepting MasterCard or Visa cards self-select a merchant category code based on their primary line of business. Bank is not involved or responsible for how merchants are classified. There is a possibility that a merchant might be classified differently than what you expect. In that case, purchases with that merchant will not qualify for the rate specified for that merchant category. Bank reserves the right to determine which purchases qualify for a given rate. Examples of merchants in the travel category include airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies (including online), and operators of trains, buses, taxis, limousines, and ferries. Please note, some merchants that provide transportation and travelrelated services are not included in this category. Back to General Credit Card Rules

3 Merchants that are classified in the restaurant category primarily prepare food and drinks for immediate consumption by consumers on the merchant's premises or packaged for take-out, and include merchants that sell alcoholic beverages for consumption on the premises and fast food restaurants. Year-End Loyalty Bonus On certain Account types, Bank provides a Year-End Loyalty Bonus of Points when net qualifying purchases made in the calendar year, January 1 st through December 31 st (posted within one week after December 31 st ) meet the spending requirement as specified below. Year End Loyalty Bonus will be awarded by the end of January of the following year. Account Type Year-End Spending Requirement for Bonus Year-End Loyalty Bonus Wealth Management World Elite MasterCard $100,000 20,000 Points World MasterCard $10,000 2,000 Points Claiming Your Points 3. You must claim Points accrued through the Program through the redemption process to exchange the Points for Awards. No other person, including, without limitation, any trustee, administrator, executor or heir, may claim the Points on your behalf. Points can be claimed and used for Awards available in the then current Program. You may select Awards from any level, as long as you have accrued and can claim a sufficient number of Points available in your rewards account. Point requirements assigned to any Award are subject to change from time to time without notice, and Awards may be substituted at any time. Should an Award be discontinued, it may be replaced with an Award of equal or greater value or, if no suitable substitute is available, you will be advised to make an alternate selection. Please refer to the Travel Redemption Rules located on for applicable rules and fees. Merchandise Awards 4. Any merchandise Award usually will be delivered by a commercial delivery service or by the U.S. Postal Service within 4-6 weeks of processing your order. We may require verification of your identity and Account prior to processing your order. Shipments cannot be made to a post office box or outside the United States and eligible territories. If you have an APO address, please contact Bank of the West Rewards Award Headquarters at (866) for details regarding merchandise options and shipments. Damages to Merchandise 5. Upon receipt of any merchandise Award, you should note any damages or shortages on the delivery receipt before signing to accept delivery from the carrier. A product which is received damaged or defective must be returned to the shipper within thirty (30) days of receipt for replacement. All parts, instructions, warranty cards and original packaging materials must be returned with the product. Manufacturer Warranties 6. Applicable manufacturers warranties will be included with your Award. Warranty claims must be directed to the manufacturer. BANK AND ITS SERVICE PROVIDERS MAKE NO PRODUCT REPRESENTATIONS, GUARANTEES, OR WARRANTIES, EXPRESS OR IMPLIED IN FACT OR LAW, REGARDING ANY AWARD, INCLUDING BUT NOT LIMITED TO, ITS QUALITY, CONDITION, MERCHANTABLITY OR FITNESS FOR A PARTICULAR PURPOSE, AND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF PRODUCTS AND/OR SERVICES PROVIDED THROUGH THIS PROGRAM. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. To the extent those apply to you, some of the provisions set forth in these Rules may not apply. Back to General Credit Card Rules

4 Points Have No Cash Value 7. Points have no cash value and may not be used to repay other obligations to us or anyone else. You have no property rights or other legal interests in the Points accrued through the Program, and they may not be transferred (including any transfer upon death or as part of a domestic relations matter), assigned, bought, or sold. Viewing Your Points/Checking Point balance 8. You may view accrued Points subject to adjustment, online at by logging into your rewards account, or over the phone at (866) If there is any error in your Points as disclosed to you, you must report the discrepancy to us within 30 days of the date of the report. Closed Accounts; Account Standing 9. If your Account is closed for any reason, you will no longer be able to accrue Points and all accrued Points not claimed and redeemed for that Account will be forfeited. Your Account must be in Good Standing at the time you claim and redeem Points for an Award. Bank reserves the right to suspend your participation in the Program and the accrual of additional Points until the Account is in Good Standing. Upon bringing your Account into Good Standing, your participation in the Program will be reinstituted, but Points previously forfeited or eliminated will not be reinstated. Printing Errors 10. Despite the Program s best efforts to ensure accuracy, printing errors occasionally occur. The Program reserves the right to correct such errors at any time even if it affects a pending claim of Points or Award redemption. Rewards Program Modifications 11. This Program may be modified, suspended or cancelled at any time. These Rules may be added to, deleted from or otherwise amended at any time upon such notice as is required by law. Changes to the Program may include, but are not limited to, modifications which affect Point accrual and the expiration of Points. Only if you have an Account will you be provided with written notice of any material change to the Program and Rules. All notices pertinent to this Program or the Rules may be sent by mail addressed to the last address shown in our records for you or sent to you by at the address on file with us. Your continued participation in the Program after the effective date of any notice of change shall constitute your agreement to the Program or Rules as amended. Any notice provided to you hereunder will be deemed received by you no later than the earlier of the date received or within five days from the date it is sent or posted. Contact Bank for details on any current promotions affecting Point accrual or redemption options. Accrued Points may be eliminated due to Rules violations. This Program is void where prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes. Liability 12. You release and agree to hold Bank, its officers, employees, agents and service providers harmless in connection with any injuries and damages of every kind and nature arising in connection with or as a result of your claiming and redeeming Points and with your receipt of and use of an Award. You waive and release any and all rights, demands, losses, liabilities, claims and causes of action whatsoever that you may now or hereafter be entitled to assert, including, but not limited to, any death, injury, loss of enjoyment or other harm or loss of any nature whatsoever caused by, contributed to, or arising out of any Award, its acceptance or use. You further agree to hold Bank and any of its service providers harmless if an Award vendor or provider files for bankruptcy, or otherwise goes out of business, after you have redeemed your Points for an Award from the vendor or provider but before you are able to receive or use the Award. Back to General Credit Card Rules

5 Program Restrictions 13. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other certificates are not exchangeable, refundable, transferable or redeemable for cash. All travel certificates, tickets and documents will be mailed first class U.S. Mail and will not be replaceable in the event of loss, destruction or theft. Your award will usually be delivered within 4-6 weeks of processing your order. You may request travel certificates, tickets and documents to be delivered by overnight carrier and agree to pay the associated additional delivery fees by card. Unless otherwise stated, you are responsible for federally imposed airline security fees as well as any surcharges or additional fees as may be imposed by the airlines or local aviation authority and must pay them by card at the time of the reservation booking. Please refer to the Travel Redemption Rules located on for applicable rules and fees. About These Rules 14. The Bank shall resolve all questions of what constitutes an eligible charge. All Program Rule determinations by the Bank are final. By using the card enrolled in this Program or otherwise accruing Points, you agree these Program Rules, as amended from time to time, will govern the Bank of the West Rewards Program. You may access continuously updated Rules for the Program at TC026 (04/14) Back to General Credit Card Rules

6 Bank of the West Rewards Program Rules for Debit Card Accounts Definitions 1. a. Account means the eligible Bank of the West Debit Card, or any replacement thereof, enrolled in the Bank of the West Rewards Program ( Program ). b. Award(s) means the rebates, services, merchandise and travel offered to the holder(s) of an Account after you claim the Points you may accrue pursuant to these Rules. c. Bank means Bank of the West. d. Deposit Account means the deposit account to which an Account is linked. e. Good Standing means not closed, cancelled or terminated by either party, overdrawn, delinquent, or otherwise not available to use for new transactions. f. Rules means the Bank of the West Rewards Program rules. g. You or Your refers to the holder(s) of an Account. How Points work 2. As provided in these Rules, Bank accrues ten (10) Points for every net qualifying purchase (purchase transactions minus returns/credit transactions) on an Account that: (i) you charge with your Bank of the West Debit Card enrolled in the Program; and (ii) appears on your Deposit Account statement during the Program. Qualifying purchases include purchases made with a PIN or purchases you sign for, Internet, phone or mail-order purchases, small dollar purchases that don t require a signature, and bill payments. Any returned purchase will reduce the number of Points available by ten (10) Points. No Points are accrued for fees, cash transactions, or foreign transaction currency conversion charges. Bank is not responsible for any delay in a merchant posting of a transaction to your Account. The Program constitutes a consumer retention program operated by Bank to provide consumers with Points that upon being claimed are redeemable for or towards goods or services or other monetary value as a reward for purchases made. Annual Fee 3. Deposit Accounts with an Account(s) enrolled in the Program will be charged a Debit Rewards Annual Membership Fee of $15, unless the enrolled Account(s) were enrolled in the Program prior to October 15, 2012 or the Deposit Account, Account, or bundle type includes enrollment in the Program. The Debit Rewards Annual Membership Fee will be charged annually on or near the same date. Consult your Deposit Account disclosures for any applicable fee waiver information. Claiming Your Points 4. You must claim Points accrued through the Program through the redemption process in order to exchange the Points for Awards. No other person, including, without limitation, any trustee, administrator, executor or heir, may claim the Points on your behalf. Points can be claimed and used for Awards available in the then current Program. You may select Awards from any level, as long as you have accrued and can claim a sufficient number of Points available in your rewards account. Point requirements assigned to any Award are subject to change from time to time without notice, and Awards may be substituted at any time. Should an Award be discontinued, it may be replaced with an Award of equal or greater value or, if no suitable substitute is available, you will be advised to make an alternate selection. Please refer to the Travel Redemption Rules located on for applicable rules and fees. Back to General Debit Card Rules

7 Merchandise Awards 5. Any merchandise Award usually will be delivered by a commercial delivery service or by the U.S. Postal Service within 4-6 weeks of processing your order. We may require verification of your identity and Account prior to processing your order. Shipments cannot be made to a post office box or outside the United States and eligible territories. If you have an APO address, please contact Bank of the West Rewards Award Headquarters at (866) for details regarding merchandise options and shipments. Damages to Merchandise 6. Upon receipt of any merchandise Award, you should note any damages or shortages on the delivery receipt before signing to accept delivery from the carrier. A product which is received damaged or defective must be returned to the shipper within thirty (30) days of receipt for replacement. All parts, instructions, warranty cards and original packaging materials must be returned with the product. Manufacturer Warranties 7. Applicable manufacturers warranties will be included with your Award. Warranty claims must be directed to the manufacturer. BANK AND ITS SERVICE PROVIDERS MAKE NO PRODUCT REPRESENTATIONS, GUARANTEES, OR WARRANTIES, EXPRESS OR IMPLIED IN FACT OR LAW, REGARDING ANY AWARD, INCLUDING BUT NOT LIMITED TO, ITS QUALITY, CONDITION, MERCHANTABLITY OR FITNESS FOR A PARTICULAR PURPOSE, AND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF PRODUCTS AND/OR SERVICES PROVIDED THROUGH THIS PROGRAM. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. To the extent those apply to you, some of the provisions set forth in these Rules may not apply. Points Have No Cash Value 8. Points have no cash value and may not be used to repay other obligations to us or anyone else. You have no property rights or other legal interests in the Points accrued through the Program, and they may not be transferred (including any transfer upon death or as part of a domestic relations matter), assigned, bought, or sold. Viewing Your Points/Checking Point balance 9. You may view accrued Points subject to adjustment, online at by logging into your rewards account, or over the phone at (866) If there is any error in your Points as disclosed to you, you must report the discrepancy to us within 30 days of the date of the report. Closed Accounts; Account Standing 10. If your Account or Deposit Account is closed for any reason (other than fraud or other security concerns), including inactivity or non-renewal, or if you cancel enrollment of your Account in the Program, you will no longer be able to accrue Points and all accrued Points not claimed and redeemed for that Account will be forfeited. Your Account and Deposit Account must be in Good Standing at the time you claim and redeem Points for an Award. Bank reserves the right to suspend your participation in the Program and the accrual of additional Points until the Account and Deposit Account are in Good Standing. Upon bringing your Account and Deposit Account into Good Standing, your participation in the Program will be reinstituted, but Points previously forfeited or eliminated will not be reinstated. Printing Errors 11. Despite the Program s best efforts to ensure accuracy, printing errors occasionally occur. The Program reserves the right to correct such errors at any time even if it affects a pending claim of Points or Award redemption. Back to General Debit Card Rules

8 Rewards Program Modifications 12. This Program may be modified, suspended or cancelled at any time. These Rules may be added to, deleted from or otherwise amended at any time upon such notice as is required by law. Changes to the Program may include, but are not limited to, modifications which affect Point accrual and the expiration of Points. Only if you have an Account will you be provided with written notice of any material change to the Program and Rules. All notices pertinent to this Program or the Rules may be sent by mail addressed to the last address shown in our records for you or sent to you by at the address on file with us. Your continued participation in the Program after the effective date of any notice of change shall constitute your agreement to the Program or Rules as amended. Any notice provided to you hereunder will be deemed received by you no later than the earlier of the date received or within five days from the date it is sent or posted. Contact Bank for details on any current promotions affecting Point accrual or redemption options. Accrued Points may be eliminated due to Rules violations. This Program is void where prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes. Liability 13. You release and agree to hold Bank, its officers, employees, agents and service providers harmless in connection with any injuries and damages of every kind and nature arising in connection with or as a result of your claiming and redeeming Points and with your receipt of and use of an Award. You waive and release any and all rights, demands, losses, liabilities, claims and causes of action whatsoever that you may now or hereafter be entitled to assert, including, but not limited to, any death, injury, loss of enjoyment or other harm or loss of any nature whatsoever caused by, contributed to, or arising out of any Award, its acceptance or use. You further agree to hold Bank and any of its service providers harmless if an Award vendor or provider files for bankruptcy, or otherwise goes out of business, after you have redeemed your Points for an Award from the vendor or provider but before you are able to receive or use the Award. Program Restrictions 14. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other certificates are not exchangeable, refundable, transferable or redeemable for cash. All travel certificates, tickets and documents will be mailed first class U.S. Mail and will not be replaceable in the event of loss, destruction or theft. Your award will usually be delivered within 4-6 weeks of processing your order. You may request travel certificates, tickets and documents to be delivered by overnight carrier and agree to pay the associated additional delivery fees by card. Unless otherwise stated, you are responsible for federally imposed airline security fees as well as any surcharges or additional fees as may be imposed by the airlines or local aviation authority and must pay them by card at the time of the reservation booking. Please refer to the Travel Redemption Rules located on for applicable rules and fees. About These Rules 15. The Bank shall resolve all questions of what constitutes an eligible charge. All Program Rule determinations by the Bank are final. By using the card enrolled in this Program or otherwise accruing Points, you agree these Program Rules, as amended from time to time, will govern the Bank of the West Rewards Program. You may access continuously updated Rules for the Program at TC025 (06/13) Back to General Debit Card Rules

9 Travel Program Redemption Rules Please review the complete rules and restrictions listed below. Your use of this Site ("Site") for redemption or purchase of travel components constitutes your agreement to all such terms, conditions, and notices. In addition to these Travel Program Redemption Rules, please see the FAQs for additional award and program information. Please read all information carefully before making any payment or redemptions. General Terms and Conditions The reward portion of your transaction will be paid for by the reward program's account. If applicable, any fees or redemption-associated charges will appear on monthly card statements as "Trip Charges." Charges may show from the airline, hotel chain, car rental company, activity provider, and/or travel insurance agency on your credit or debit card statement. Remaining balances not charged by the applicable travel supplier will appear on your monthly card statement as "Trip Charges." Bank of the West's ("Bank") provider of travel services ("Travel Services") has the right to cancel the booking in the event of non-payment or payment dispute. All refund requests must be made in writing and any negotiable documents (i.e. airline tickets, redeemable certificates or vouchers, etc.) issued by Travel Services must be returned prior to transaction of any refund. All refund claims must be submitted within 30 days after the scheduled departure date. Special cancellation provisions may apply to group, holiday, and school vacation reservations. Card Declines - In the event that your card is declined, Travel Services will attempt payment up to two additional times and will attempt to contact you. If we are unable to obtain authorization for the charge, your package will be subject to cancellation, and standard penalties will be applied. Back to Travel Program Redemption Rules

10 Fees: The following fees will be collected by Travel Services, unless otherwise noted, and will depend on the type of award redeemed or purchase made and whether travel is booked online or by calling Travel Services. For additional award information or descriptions, please see the FAQs. Fee(s) will appear on your monthly card statement as "Trip Charges." The applicable fees must be paid at the time of redemption or purchase. FLIGHT FEES Award or Purchase Type Travel Services (over the phone) Online Universal Ticket Within U S 48 No Fee All-Inclusive Universal Ticket Within U S 48 Point Saver Ticket $35 per ticket ($70 max per transaction) $25 per ticket ($50 max per transaction) $2.50 per segment Security Fee ($10 max per ticket) $2.50 per segment Security Fee ($10 max per ticket) Universal Ticket (Outside U S 48) $35 per ticket ($70 max per transaction) $25 per ticket ($50 max per transaction) First or Business Class Ticket Fuel Fee Fuel Fee Full Option Ticket Companion Ticket (ticket paid fully in cash with air redemption ticket) Purchase Ticket (without a redemption) Exchange, Cancellation or Modification Paper Ticket Printing and Delivery $2.50 per segment Security Fee ($10 max per ticket) $35 per ticket ($70 max per transaction) $15 per ticket ($50 max per transaction) $2.50 per segment Security Fee ($10 max per ticket) $25 per ticket ($50 max per transaction) $15 per ticket ($40 max per transaction) $35 per ticket $15 per ticket ($70 max per transaction) ($30 max per transaction) $30 per ticket (in addition to airline penalties and fare difference) If the traveler s itinerary requires a paper ticket, there will be an additional charge to cover printing and express delivery costs of the paper ticket(s) imposed on Travel Services by the airlines. HOTEL, CAR RENTAL, & ACTIVITY FEES Award or Purchase Type Travel Services (over the phone) Online Redemption or Purchase Cancellation or Purchase Short Notice for Hotel Cancellation $20 per reservation (only charged if made No Fee without a flight reservation) $20 per reservation (in addition to applicable supplier fee) $20 per reservation cancellation or modification fee applied Cancellations received within three (3) days of check-in date will be subject to a supplier cancellation fee equal to one-night room cost plus tax, if applicable. Short Notice for Car Rental Cancellation Short Notice for Activity Additional supplier cancellation fees may apply over peak or holiday travel periods. $20 per reservation cancellation or modification fee applied Cancellations received within two (2) days of pick-up date will be subject to a supplier cancellation fee equal to the one-day rental cost plus tax, if applicable. $20 per reservation cancellation or modification fee applied Cancellations received within three (3) days of check-in date will be subject to a supplier cancellation fee equal to one-night room cost plus tax, if applicable. CRUISE, VACATION, & EXPERIENCE FEES Award or Purchase Type Travel Services (over the phone) Online Redemption or Purchase $35 per reservation ($70 max per N/A transaction) Cancellation or Modification $75 per reservation Overnight Delivery of Documents $15 per reservation Back to Travel Program Redemption Rules

11 Airline Terms and Conditions: Any fees and/or taxes associated with the applicable redemption or purchase ticket will be the responsibility of the traveler at the time of booking, which will include, but not limited to, ticketing fees, airline fuel surcharges, government taxes, and security fees. Airline Travel Award Options: Airline Travel General Description Award Options Universal Ticket Flight origination from US 48 continental states, Hawaii and Alaska with domestic and international destinations Universal All Inclusive Ticket Full Option Ticket Ideal for travelers who can book in advance, plan to include a Saturday night stay, and can be flexible with flight times and airlines. Flight origination and destination within US 48 continental states with no charge for transaction fees, security fees, or fuel charges Ideal for those who like the Universal Ticket and want to use points to cover any additional fees not covered by the Universal Ticket. $325 or $825 credit towards the cost of a flight, where you are responsible to pay the difference (if any) Requirements Book between 30 and 330 days in advance of your flight Include a Saturday night stay Return travel within 30 days of departure Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Advance fare category seat space available Fees: Transaction fee, security fees, and fuel charges (for flights outside the US 48) apply Book between 21 and 330 days in advance of your flight Include a Saturday night stay Return travel within 30 days of departure Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Advance fare category seat space available Fees: None Choose any destination (domestic or international), any class of service and on most major airlines with no restrictions Point Saver Ticket First Class/Business Class Ticket Ideal for last minute plans, or travel on a specific airline. Points can be used as credit toward a flight, where the difference is paid by the traveler. Flight origination and destination within US 48 continental states where you pay $200 plus 18,000 points Ideal for those who plan to book in advance with a Saturday night stay, but do not have the available points for a Universal Ticket. Flight origination from US 48 continental states with domestic and international destinations, where a maximum ticket amount is covered by points and you are responsible to pay the difference (if any) deal for booking First Class or Business Class tickets. Fees: Transaction fee, security fees, and fuel charges apply Book by calling Travel Services; not available online Book between 30 and 330 days in advance of your flight Include a Saturday night stay Return travel within 30 days of departure Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Advance fare category seat space available Fees: Transaction fee and security fees apply Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Fees: Transaction fee, security fees, and fuel charges apply Back to Travel Program Redemption Rules

12 Airline policies are subject to change at any time without notice. Airline tickets are NON-REFUNDABLE and NON-CHANGEABLE unless permitted by the terms of the fare and are subject to airline rules, penalties, and fare difference. Unused tickets contain no value if not canceled prior to departure. Tickets may not be reassigned or transferred to a different passenger or airline. Airline passengers must present applicable travel documents at the airport on the day of travel along with a government issued photo identity card. It is recommended that passengers check in with the airline a minimum of 75 minutes prior to scheduled departure time for domestic flight itineraries and 3 hours prior to scheduled departure time for international itineraries due to federal security requirements. Please note that airline schedules change frequently. Please reconfirm all flight dates and times with the airline 72 hours prior to departure. Upgrades are not permitted on certain itineraries. Please check with the carrier directly. Turboprop aircraft may exist on your itinerary. Airlines reserve the right to change aircraft equipment without notice to the booking travel agency or the consumer. Please review your itinerary, as code-share flights may exist. If a code-share flight exists in your itinerary, passengers must check in with the operating airline on day of departure. Baggage Fees: Airline baggage policies vary and charges may apply for checked baggage. Please check with the individual airline should you have questions regarding baggage charges, size limitations, or restrictions. A complete list of air carriers and their fees can be found at Hotel Terms and Conditions: No shows are non-refundable and will result in a total forfeiture of settlement and points and without credit due. Contact Travel Services via the number listed on your itinerary for all cancellation or modification requests. Cancellations or modifications handled by the hotel property directly may result in additional fees. In the event of an involuntary cancellation due to weather, war, terrorism, epidemic outbreak, natural disaster, acts of civil unrest or other acts of God, cancellation fees may be waived at the discretion of the hotel. Policies for children vary by property. Child benefits may be extended should a property offer them. Any charges that you incur while traveling for incidentals are not included in your reservation rate and must be paid directly to the hotel property. These include but are not limited to resort fees, hotel energy surcharges, parking fees, babysitting, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, gratuities, and other incidentals. Hotel bookings are available through preferred suppliers of Travel Services and may not be available for all locations and destinations. Due to hotel supplier policies applicable to our preferred rates, your name may not be provided to the hotel property until 24 hours prior to your arrival. Please contact Travel Services directly for any special requests. Special requests made to hotel properties are on a request only basis and cannot be guaranteed. Fees and charges may apply, depending on the service request. The hotel property may require a major credit card, in the name of the guest(s), or a cash deposit upon check-in. Reservations do not include services not specified in the reservation confirmation. Every reasonable attempt will be made to notify guests of hotel property renovation or refurbishment; however, Travel Services shall not be liable for non-disclosure by the hotel property. Back to Travel Program Redemption Rules

13 Hotel Taxes and Fees, and Booking Tax Recovery Fee for Non-Point Transactions: In connection with facilitating your hotel transaction, the charge to your debit or credit card will include a charge for Taxes and Fees. This charge includes an estimated amount to recover the amount paid to the hotel property in connection with your reservation for taxes owed by the hotel property including, without limitation, sales and use tax, occupancy tax, room tax, excise tax, value-added tax and/or other similar taxes. In certain locations, the tax amount may also include government imposed service fees or other fees not paid directly to the taxing authorities but required by law to be collected by the hotel property. The amount paid to the hotel in connection with your reservation for taxes may vary from the amount estimated and included in the charge to you. The balance of the charge for Taxes and Fees above is a nongovernment imposed "Booking Tax Recovery Fee" that is imposed and retained by Travel Services as part of the compensation for services and to cover the costs of your reservation, including, for example, customer service costs. The charge for Taxes and Fees varies based on a number of factors including, without limitation, the amount paid to the hotel property and the location of the hotel property where you will be staying, and may include profit. Except as described below, we are not the vendor collecting and remitting taxes to the applicable taxing authorities. Our hotel suppliers, as vendors, include all applicable taxes in the amount billed to us and we pay over such amounts directly to the vendors. We are not a co-vendor associated with the vendor with whom we book or reserve our customer's travel arrangements. Taxability and the appropriate tax rate and the type of applicable taxes vary greatly by location. For transactions involving hotel properties located within certain jurisdictions, the charge to your debit or credit card for Taxes and Fees includes a payment of tax that we are required to collect and remit to the jurisdiction for tax owed on amounts retained as compensation for services. Please note that we are unable to facilitate a rebate of Canadian Goods and Services Tax ("GST") for customers booking Canadian hotel accommodations utilizing our services. Car Rental Terms and Conditions: No shows are non-refundable and will result in a total forfeiture of settlement and points and without credit due. Cancellation fees, rental terms, and any additional fees are subject to change without notice and may vary by location. Rental rates are based on 24 hour periods and may be subject to additional fees depending on time of return, including but not limited to hourly rental charges which will be billed directly to you by the car rental company. Redemption and Advance Purchase rental rates include unlimited mileage, taxes and fees. For reservationonly or courtesy hold rentals, rates are subject to taxes and fees as advised in the car policy and may vary by car rental company. Charges are billed directly by the car rental company and subject to change. Local taxes and fees may not be included and will be assessed by the car rental location directly and are the responsibility of the consumer. Charges for optional services such as insurance waivers, fuel, additional or underage drivers, special equipment charges, etc. are not included in your rental and must be paid directly by you to the car rental company. Geographic restrictions may apply. Renters must be 25 years of age and have a valid driver's license, major credit card, and good driving record. One way rentals are not permitted on this Site. Car rental redemptions are available through preferred suppliers travel services and may not be available for all locations and destinations. Special requests made to car rental companies are on a request only basis and cannot be guaranteed. Certain rate types do not permit credit for airline frequent flyer programs or car loyalty programs. Car rental companies reserve the right to deny rental due to past driving record. International car rentals may require a 3-day minimum rental. Any rentals less than 3 days may be charged the 3-day rental rate. Additional taxes, fees, or surcharges may be charged to the customer at pick-up. Depending on the country, minimum age and cross-border restrictions may apply. Car insurance through Bank of the West cards is not available in Ireland, Jamaica, Costa Rica, and Mexico. Back to Travel Program Redemption Rules

14 Activity Terms and Conditions: Theater tickets, theme-park passes, and select sightseeing tours are completely NON-REFUNDABLE once booked. No shows are non-refundable and will result in a total forfeiture of settlement and points and without credit due. Activity supplier reserves the right to change, cancel, or modify the date, length, or inclusions of activity booked without notice to the booking travel agency or the consumer. Cruise and Vacation Terms and Conditions: Only one Dollars Off award may be applied per cruise cabin or vacation package and is subject to the fees disclosed in the above fee chart. Minimum price per cabin or vacation package (including port charges, taxes and fees) applies. Port charges, government taxes and fees (which consist of all taxes and fees imposed by U.S. and foreign governmental and quasi-governmental authorities, including without limitation U.S. Customs and Immigration fees, ship passengers international departure tax, airport passenger facility charge, flight segment fees, and international arrival and departure taxes), airfare, transfers, shore excursions, medical services, items of a personal nature (such as gratuities, some beverages, certain specialty restaurants, gift shop purchases, gambling, beauty salon/barber shop/spa services, laundry, photographs, , internet and fax, etc.) are the responsibility of the traveler. Cruise and vacation packages are non-refundable, non-cancelable and non-transferable. Once redeemed, points may not be added back to your account. Any change or cancellation will result in a fee as disclosed in the above fee chart in addition to any fees imposed by the travel supplier. Please check with Travel Services for any documentation requirements or other restrictions associated with cruises. It is the traveler s responsibility to obtain appropriate documentation, visas, and passports. The Bank is not liable for delays or cancellations caused by strike, labor disputes, mechanical difficulties, government actions, weather, or any other causes beyond the Bank's control. The Bank is not responsible for the cruise line's adherence to its published arrival and departure times for any of its ports of call or itinerary changes. The Bank is not responsible or liable for personal injury or property damage arising from the selection of any mode of transportation, accommodation, excursion or activity. The Bank is not responsible for lost or stolen tickets or documents. Terms are void where prohibited by law. Other restrictions may apply. Travel Insurance Terms and Conditions: Travel Guard is a third party insurer and has no direct affiliation with Bank. If travel insurance was purchased, you will receive an confirmation including your policy number and specific details of your policy within 24 hours. Please review your policy details immediately upon receipt for important coverage information. Travel insurance coverage will not cover Travel Services' cancellation fees. Travel Services has the right to cancel the booking in the event of non-payment or payment dispute. All refund requests must be made in writing and any negotiable documents (i.e., airline tickets, redeemable certificates, or vouchers, etc.) issued by Travel Services must be returned prior to processing of any refund. All refund claims must be submitted within 30 days after the scheduled departure date. Special cancellation provisions may apply to group, holiday, and school vacation reservations. In the event that your credit card is declined, Travel Services will attempt payment up to two additional times and will attempt to contact you. If we are unable to obtain authorization, your package will be subject to cancellation and standard penalties will be applied. Please note that customers who choose not to select the travel insurance option are fully responsible for any potential losses that may arise from their travels. Back to Travel Program Redemption Rules

15 Destination Taxes Airport departure or entry taxes may not be included in ticket taxes. Passengers should be prepared to pay these taxes in cash on location. Passport Requirement All international itineraries require a valid passport. Visa policies vary by country, should be obtained prior to departure, and are the sole responsibility of the traveler. Travelers are responsible for ascertaining, obtaining, and possessing all required documentation needed for travel to your destination and it is strongly recommended that both U.S. and non-u.s. citizens verify current entry requirements before making reservations. Children under the age of 18 who are traveling with only one parent may be required to have additional documentation if leaving their country of residence. Please contact the nearest Consulate of the country to which you are traveling for additional information. The airline cannot board any passenger who fails to carry required proof of citizenship documents. No refunds will be made if improper documentation results in denial of boarding aircraft or entry to a foreign country. For foreign entry requirements, go to travel.state.gov/travel/foreignentryreqs.html. For State Department travel warnings and advisories, go to travel.state.gov/travel/warnings.html. For foreign health requirements and dangers, go to Responsibility Travel Services acts only as agents for the passenger in regards to travel, whether by air, automobile, ship, or any other conveyance or activity, and assumes no liability for injury, damage, loss, accident, delay or irregularity, which may be caused due to defect in any vehicle, acts of God, war, riots, or for any company or person involved in conveying the passenger or in carrying out arrangements of any tour. The Bank, Travel Services, and their respective agents and affiliates cannot accept any responsibility for losses or additional expenses due to delay or changes in schedules or other causes such as strikes, labor disputes, government actions, weather, or any other causes beyond their control. All such losses will be the responsibility of the passenger. Travel Services reserves the right to make minor adjustments in your itinerary. Travel Services reserves the right to cancel any trip prior to departure, in which case a full refund will constitute a full settlement of all liability. The Bank, Travel Services, and their respective agents and affiliates are not responsible for any lost, stolen, damaged, or destroyed luggage(s) or contents of baggage(s) before, during or after travel. The issuance of vouchers or tickets shall be deemed to be consent to the above conditions. The airline concerned is not to be held liable for any act, omission, or event during the time passenger is not on board its aircraft. The services of any Air Transport Association (IATA) or Airline Reporting Corporation (ARC) carrier may be used in conjunction with these travel components. The passenger's tickets when issued shall constitute the sole contract between the airlines and the purchaser and/or passenger. All rates published in any venue are based on exchange rates and tariffs and are subject to change. All taxes, gratuities, and porterage charges are subject to deletions, additions or changes without notice. These items are not covered under the control of the Bank or Travel Services, since changes in Government regulations and labor agreements cannot always be anticipated in advance. The Bank, Travel Services, and their respective affiliates are not responsible for any changes initiated by the passenger after departure. The Bank, Travel Services and their respective agents and affiliates are not responsible for errors and/or omissions. The Bank's, Travel Services', and their respective agents' and affiliates' responsibility and liability do not extend to any party for any loss or damage caused by errors or omissions as a result of negligence, accident or any other cause. Acceptable Use This Site is intended for personal, noncommercial use. The content and information on this Site (including, without limitation, price and availability of travel services), as well as the infrastructure used to provide such content and information, is proprietary to Travel Services or its suppliers and providers. Accordingly, as a condition of using this Site, you agree not to use this Site or its contents or information for any commercial or non-personal purpose (direct or indirect) or for any purpose that is unlawful or prohibited by these Travel Program Redemption Rules. While you may make limited copies of your travel itinerary (and related documents) for travel or services purchased through this Site, you agree not to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from this Site. In addition, whether or not you have a commercial purpose, you agree not to: Back to Travel Program Redemption Rules

16 I. access, monitor or copy any content or information of this Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without express written permission of Travel Services. II. violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; III. take any action that imposes, or may impose, in the discretion of Travel Services, an unreasonable or disproportionately large load on the Travel Services infrastructure; or IV. deep-link to any portion of this Site (including, without limitation, the purchase path for any travel services) for any purpose without express written permission of Travel Services. You may only use this Site to make legitimate reservations, purchases, or requests to purchase the products or services offered (each, a "Request") and shall not use this Site to make any speculative, false, or fraudulent Requests or any Requests in anticipation of demand. You represent that you are of sufficient legal age to create binding legal obligations for any liability you may incur as a result of your use of this Site. You agree to promptly update your membership information (if applicable) in order to keep it current, complete, and accurate. It is a violation of law to place a Request in a false name or with an invalid method of payment. Please be aware that even if you do not give us your real name, your web browser transmits a unique Internet address to us that can be used by law enforcement officials to identify you. Fraudulent users will be prosecuted to the fullest extent of the law. Links to Third-Party Sites This Site may contain hyperlinks to web sites operated by parties other than Travel Services. Such hyperlinks are provided for your reference only. Neither Travel Services nor any of its affiliates control such web sites and neither Travel Services nor any of its affiliates are responsible for their contents or your use of them. Travel Services inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Back to Travel Program Redemption Rules

17 Liability Disclaimer THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. IN PARTICULAR, TRAVEL SERVICES AND ITS AFFILIATES DO NOT GUARANTEE THE ACCURACY OF, AND DISCLAIM LIABILITY FOR INACCURACIES RELATING TO THE INFORMATION AND DESCRIPTION OF THE HOTEL, AIR, CRUISE, CAR, AND OTHER TRAVEL PRODUCTS DISPLAYED ON THIS WEB SITE (INCLUDING, WITHOUT LIMITATION, PHOTOGRAPHS, LIST OF HOTEL AMENITIES, GENERAL PRODUCT DESCRIPTIONS, ETC.), MUCH OF WHICH INFORMATION IS PROVIDED BY THE RESPECTIVE SUPPLIERS. HOTEL RATINGS DISPLAYED ON THIS SITE ARE INTENDED AS ONLY GENERAL GUIDELINES, AND TRAVEL SERVICES AND ITS AFFILIATES DO NOT GUARANTEE THE ACCURACY OF THE RATINGS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE BANK, TRAVEL SERVICES, THEIR RESPECTIVE AGENTS AND AFFILIATES AND/OR THEIR RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES ON THIS SITE AT ANY TIME. THE BANK, TRAVEL SERVICES, THEIR RESPECTIVE AGENTS AND AFFILIATES AND THEIR RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES CONTAINED ON THIS SITE FOR ANY PURPOSE, AND THE INCLUSION OR OFFERING FOR SALE OF ANY PRODUCTS OR SERVICES ON THIS SITE DOES NOT CONSTITUTE ANY ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCTS OR SERVICES BY TRAVEL SERVICES OR ITS AFFILIATES. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. THE BANK, TRAVEL SERVICES, THEIR RESPECTIVE AGENTS AND AFFILIATES AND THEIR RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. THE CARRIERS, HOTELS AND OTHER SUPPLIERS PROVIDING TRAVEL OR OTHER SERVICES FOR TRAVEL SERVICES ARE INDEPENDENT CONTRACTORS AND NOT AGENTS OR EMPLOYEES OF THE BANK, TRAVEL SERVICES, OR THEIR RESPECTIVE AGENTS AND AFFILIATES. THE BANK, TRAVEL SERVICES, AND THEIR RESPECTIVE AGENTS AND AFFILIATES ARE NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES, BREACHES, OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIEIS, DEATH, PROPERTY DAMAGE, OR OTHER DAMAGES OR EXPENSES RESULTING THEREFROM. THE BANK, TRAVEL SERVICES, AND THEIR RESPECTIVE AGENTS AND AFFILIATES HAVE NO LIABILITY AND WILL MAKE NO REFUND IN THE EVENT OF ANY DELAY, CANCELLATION, OVERBOOKING, STRIKE, FORCE MAJEURE, OR OTHER CAUSES BEYOND THEIR DIRECT CONTROL, AND THEY HAVE NO RESPONSIBILITY FOR ANY ADDITIONAL EXPENSE, OMISSIONS, DELAYS, RE- ROUTING, OR ACTS OF ANY GOVERNMENT OR AUTHORITY. IN NO EVENT SHALL THE BANK, TRAVEL SERVICES, OR THEIR RESPECTIVE AGENTS AND AFFILIATES AND THEIR RESPECTIVE SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE BANK, TRAVEL SERVICES, OR THEIR RESPECTIVE AGENTS AND AFFILIATES AND THEIR RESPECTIVE SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. Indemnification You agree to defend and indemnify the Bank, Travel Services, their respective agents and affiliates and their respective suppliers and any of their respective officers, directors, employees, and agents from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by: (I) you or on your behalf in excess of the liability described above; or (II) by third parties as a result of (a) your breach of these Travel Program Redemption Rules or the documents referenced herein; (b) your violation of any law or the rights of a third party; or (c) your use of this Site. Back to Travel Program Redemption Rules

18 No Unlawful or Prohibited Use As a condition of your use of this Site, you warrant that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. Modification of these Terms and Conditions The Bank and Travel Services reserve the right to change the terms, conditions, and notices under which this Site is offered without notice. SELLER OF TRAVEL INFORMATION Travel services are provided by Loyalty Travel Agency LLC. States' seller of travel registration numbers for Loyalty Travel Agency LLC are: California (registration as a seller of travel does not constitute approval by California. Loyalty Travel Agency LLC is not a participant in the Travel Consumer Restitution Fund); Florida ST37578; Hawaii TAR-6750, Iowa 987; State of Washington Back to Travel Program Redemption Rules

19 Travel Fees The following fees will be collected by Travel Services, unless otherwise noted, and will depend on the type of award redeemed or purchase made and whether travel is booked online or by calling Travel Services. For additional award information or descriptions, please see the FAQs. Fee(s) will appear on your monthly card statement as "Trip Charges." The applicable fees must be paid at the time of redemption or purchase. FLIGHT FEES Award or Purchase Type Travel Services (over the phone) Online Universal Ticket Within U S 48 No Fee All-Inclusive Universal Ticket Within U S 48 Point Saver Ticket $35 per ticket ($70 max per transaction) $25 per ticket ($50 max per transaction) $2.50 per segment Security Fee ($10 max per ticket) $2.50 per segment Security Fee ($10 max per ticket) Universal Ticket (Outside U S 48) $35 per ticket ($70 max per transaction) $25 per ticket ($50 max per transaction) First or Business Class Ticket Fuel Fee Fuel Fee Full Option Ticket Companion Ticket (ticket paid fully in cash with air redemption ticket) Purchase Ticket (without a redemption) Exchange, Cancellation or Modification Paper Ticket Printing and Delivery $2.50 per segment Security Fee ($10 max per ticket) $35 per ticket ($70 max per transaction) $15 per ticket ($50 max per transaction) $2.50 per segment Security Fee ($10 max per ticket) $25 per ticket ($50 max per transaction) $15 per ticket ($40 max per transaction) $35 per ticket $15 per ticket ($70 max per transaction) ($30 max per transaction) $30 per ticket (in addition to airline penalties and fare difference) If the traveler s itinerary requires a paper ticket, there will be an additional charge to cover printing and express delivery costs of the paper ticket(s) imposed on Travel Services by the airlines. HOTEL, CAR RENTAL, & ACTIVITY FEES Award or Purchase Type Travel Services (over the phone) Online Redemption or Purchase Cancellation or Purchase Short Notice for Hotel Cancellation $20 per reservation (only charged if made No Fee without a flight reservation) $20 per reservation (in addition to applicable supplier fee) $20 per reservation cancellation or modification fee applied Cancellations received within three (3) days of check-in date will be subject to a supplier cancellation fee equal to one-night room cost plus tax, if applicable. Short Notice for Car Rental Cancellation Short Notice for Activity Additional supplier cancellation fees may apply over peak or holiday travel periods. $20 per reservation cancellation or modification fee applied Cancellations received within two (2) days of pick-up date will be subject to a supplier cancellation fee equal to the one-day rental cost plus tax, if applicable. $20 per reservation cancellation or modification fee applied Cancellations received within three (3) days of check-in date will be subject to a supplier cancellation fee equal to one-night room cost plus tax, if applicable. CRUISE, VACATION, & EXPERIENCE FEES Award or Purchase Type Travel Services (over the phone) Online Redemption or Purchase $35 per reservation ($70 max per N/A transaction) Cancellation or Modification $75 per reservation Overnight Delivery of Documents $15 per reservation Back to Travel Fees

20 Airline Travel Award Options Airline Travel General Description Award Options Universal Ticket Flight origination from US 48 continental states, Hawaii and Alaska with domestic and international destinations Universal All Inclusive Ticket Full Option Ticket Ideal for travelers who can book in advance, plan to include a Saturday night stay, and can be flexible with flight times and airlines. Flight origination and destination within US 48 continental states with no charge for transaction fees, security fees, or fuel charges Ideal for those who like the Universal Ticket and want to use points to cover any additional fees not covered by the Universal Ticket. $325 or $825 credit towards the cost of a flight, where you are responsible to pay the difference (if any) Requirements Book between 30 and 330 days in advance of your flight Include a Saturday night stay Return travel within 30 days of departure Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Advance fare category seat space available Fees: Transaction fee, security fees, and fuel charges (for flights outside the US 48) apply Book between 21 and 330 days in advance of your flight Include a Saturday night stay Return travel within 30 days of departure Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Advance fare category seat space available Fees: None Choose any destination (domestic or international), any class of service and on most major airlines with no restrictions Point Saver Ticket First Class/Business Class Ticket Ideal for last minute plans, or travel on a specific airline. Points can be used as credit toward a flight, where the difference is paid by the traveler. Flight origination and destination within US 48 continental states where you pay $200 plus 18,000 points Ideal for those who plan to book in advance with a Saturday night stay, but do not have the available points for a Universal Ticket. Flight origination from US 48 continental states with domestic and international destinations, where a maximum ticket amount is covered by points and you are responsible to pay the difference (if any) Ideal for booking First Class or Business Class tickets. Fees: Transaction fee, security fees, and fuel charges apply Book by calling Travel Services; not available online Book between 30 and 330 days in advance of your flight Include a Saturday night stay Return travel within 30 days of departure Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Advance fare category seat space available Fees: Transaction fee and security fees apply Round-trip flight (no one-way, open jaw (more than departure or arrival city), open return, standby, or stopover flights) Fees: Transaction fee, security fees, and fuel charges apply Back to Airline Travel Award Options