Travel credit cards

1. 3. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA^® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Phone plans: landline and cell phone providers considered telecommunication services. Popular streaming services: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the VISA category codes listed above refer to the Wells Fargo Rewards^® Program Terms and Conditions Summary, and Wells Fargo Autograph Visa^® Card Account Addendum ←back to content

2. 4. To qualify for the 30,000 bonus rewards points, a total of at least $1,500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS^™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Wells Fargo Rewards^® Program Terms and Conditions Summary, and Wells Fargo Autograph Visa^® Card Account Addendum for details. ←back to content

3. 5. When you make at least 5 transactions in a statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases (purchases minus returns /credits) for that statement period. Rent: You'll earn 1 rewards point per $1 spent on rent paid through the Bilt App with your card account up to a maximum of One Hundred Thousand (100,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment. Rent payments can only be made to one rental property per month. Travel: 2 rewards points (1 base point plus 1 bonus point) are earned per $1 spent on qualifying net purchases made directly at retailers whose Merchant Code for Mastercard is classified as airlines, hotels, motels, resorts, cruise lines, and car rental agencies. Dining: 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on qualifying net purchases at retailers whose Merchant Code for Mastercard is classified as eating places and restaurants, drinking places, bakeries, or fast food restaurants. Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other qualifying net purchases. If you do not make at least 5 transactions in a statement period you’ll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, Balance Transfers, SUPERCHECKS^™, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, and casino gaming do not earn points. Refer to the Bilt World Elite Mastercard^® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content

4. 6. This promotional offer is valid on the 1st of every month, from 12am ET through 11:59pm PT, unless notice is provided to you at least 60 days in advance via email. You will earn 6 rewards points (3 bonus points) for every $1 spent on net dining purchases (purchases minus returns/credits), 4 rewards points (2 bonus points) for every $1 spent on net travel purchases (purchases minus returns/credits), and 2 rewards points (1 bonus point) for every $1 spent on net purchases of anything outside of rent, travel, and dining (purchases minus returns/credits),  subject to the Bilt World Elite Mastercard^® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") and Bilt Rewards Terms & Conditions. The maximum amount of bonus points you can earn under this promotion is 10,000 per month, regardless of how much you purchase. Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You must make at least 5 posted transactions in a statement period using your Bilt Mastercard to earn points, including bonus points for this promotional offer. It may take up to seven (7) days for bonus points earned through this offer to post to your account. To qualify for this promotional offer, your Bilt Mastercard account must be open and not in default at the time of fulfillment. Should you receive points on an ineligible purchase, Bilt may deduct those points at its discretion. ←back to content

5. 7. To qualify for the 60,000 bonus points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, SUPERCHECKS^™, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn rewards points. Refer to the Choice Privileges^® Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for additional details about the program. ←back to content

6. 8. Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice^® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. [Five or Three] points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges^® Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content

7. 9. Earn 5 points (1 base plus 4 bonus points) per $1 spent on qualifying net purchases made on the card account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchases posts to the card account. Refer to the Choice Privileges^® Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms"). The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

8. 10. To qualify for the 60,000 bonus points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, SUPERCHECKS^™, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn rewards points. Refer to the Choice Privileges^® Select Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for additional details about the program. ←back to content

9. 11. Ten points (1 base point plus 9 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice^® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Five points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges^® Select Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content

10. 12. Earn 10 points (1 base plus 9 bonus points) per $1 spent on qualifying net purchases made on the card account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchases posts to the card account. Refer to the Choice Privileges^® Select Mastercard^® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms"). The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

LRC-0923