World Elite MasterCard Travel Terms & Conditions

To take advantage of any World Elite^® travel benefits described here, you must book through Carlson Wagonlit Travel (“CWT”), the designated travel agent for MasterCard International Incorporated and its affiliates’ (“MasterCard’’) MasterCard Travel Services program and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard card. Payment currency may vary by merchant and payments may need to be made in local currency or USD. All benefit travel must commence by December 31, 2015 unless otherwise noted. All benefits and offers are subject to availability and are subject to change or cancellation without notice. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers.

World Elite MasterCard cardholders with such cards issued in China, Korea, Japan and Taiwan are not eligible to take advantage of this program at this time.

For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Blackout dates and additional terms, conditions and restrictions may apply. Specific travel benefits are not available for certain card programs. Please visit worldelite.mastercard.com or contact one of our program travel advisors for additional program details and terms and conditions. Airline booking and other fees may apply. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and travel service providers are not responsible for printing or typographical errors.

Travel related services are provided by or through one or more travel service providers and such travel service providers and benefits, as well as the terms and conditions contained herein, are subject to change at any time by MasterCard without notice. All benefits are subject to availability and may be terminated without notice.

The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services.

Air Program: To take advantage of the World Elite commercial air benefits, all must be reserved and ticketed through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel Services and full payment must be made with a valid World Elite MasterCard. Travel commencement dates vary by airline. Tickets are non-transferable, non-endorsable and may be non-refundable depending on the class of service ticketed. Benefit is valid for one-way or round-trip travel provided travel originates in a qualifying gateway. Any deviations or changes in routing by personal choice of the cardholder after ticketing will be at the cardholder’s expense. Non-participating carriers must be ticketed and priced separately. Tickets can only be issued the same day as the departure date if World Elite Program inventory is available and if the applicable airline allows electronic ticketing. Otherwise, same-day reservation, ticketing and departures are not allowed. Electronic tickets will be issued for all itineraries unless paper tickets are required by the airline. If paper tickets are required by airline, an overnight or twoday delivery fee for delivery of the paper ticket to the cardholder will be the responsibility of the cardholder. If the cardholder requests a paper ticket in lieu of an electronic ticket, cardholder will be responsible for airline paper ticket fee and also for overnight or two-day delivery fee for delivery of the paper ticket to the cardholder. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. Program is subject to change or cancellation without notice. Airlines reserve the right to change or modify program. Program is subject to change or cancellation without notice. All travel must be completed on flights operated by the participating carrier, unless otherwise noted. World Elite Air Program seat allocations and destinations may be limited on specific airlines and departures and are subject to availability.

If a booking is made through CWT with a supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a Cardholder’s original reservation through CWT with a supplier that is not participating in the World Elite benefits program, CWT is notified of a lower publiclyavailable rate that meets the exact booking criteria for the same supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, vacation package provider, airline or other) in an attempt to procure that same lower rate for the Cardholder, or, alternatively, the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. The Parties acknowledge that, with respect to airfares booked in the U.S., Cardholders may not be allowed to cancel a reservation after twenty-four (24) hours. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone-only rates and same day mobile-only rates are not considered publicly available rates. All tickets will be subject to all government fees, taxes and other charges which must be paid at the time of ticketing with the cardholder’s World Elite MasterCard. Additional terms and conditions may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for additional program details and terms and conditions. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Private Jet Program Benefits: To take advantage of Private Jet Program benefits, you must book through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel. World Elite MasterCard cardholders must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Savings benefit may be redeemed multiple times and is available on new bookings only. If a booking is made through CWT with a supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a Cardholder’s original reservation through CWT with a supplier that is not participating in the World Elite benefits program, CWT is notified of a lower publicly-available rate that meets the exact booking criteria for the same supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, vacation package provider, airline or other) in an attempt to procure that same lower rate for the Cardholder, or, alternatively, the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. The Parties acknowledge that, with respect to airfares booked in the U.S., Cardholders may not be allowed to cancel a reservation after twenty-four (24) hours. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Savings benefit is subject to change or cancellation without notice. Reservation is subject to aircraft availability. Additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for additional program details and terms and conditions. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE, MASTERCARD TRAVEL SERVICES and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Hotels and Resorts Portfolio Benefits: To take advantage of any World Elite^® travel benefits described here unless otherwise stated, you must book through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. All benefits and offers are subject to availability and are subject to change or cancellation without notice. Benefits may be limited to specific room types and may vary by supplier. World Elite MasterCard Hotels & Resort Program is an amenity-based program offering exclusive benefits. If a booking is made through CWT with a supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a Cardholder’s original reservation through CWT with a supplier that is not participating in the World Elite benefits program, CWT is notified of a lower publicly-available rate that meets the exact booking criteria for the same supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, vacation package provider, airline or other) in an attempt to procure that same lower rate for the Cardholder, or, alternatively, the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Room upgrades and program amenities are based upon availability at time of arrival unless otherwise noted. Room upgrades are offered only for designated hotels and room categories and individual hotel participation may be withdrawn without prior notice. Upgrades may not apply to suite bookings. Hotel and Resort benefits do not apply to wholesaler bookings. All reservations must be booked and travel must be completed by December 31, 2015. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. Program is subject to change or cancellation without notice. Blackout dates and additional terms and conditions may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for additional program details and terms and conditions. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Cruise Program Benefits: To take advantage of all World Elite Cruise Program benefits, World Elite MasterCard cardholders must book through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and any payments including final payment, with a valid World Elite MasterCard. World Elite cruise benefits are valid on participating cruise lines and may apply to select sailings and stateroom categories. Benefits are valid on new bookings made between January 1, 2015 and December 31, 2015 for sailings departing no later than December 31, 2015. The World Elite shipboard credit will be applied to the first two full-fare paying passengers sharing a stateroom. Shipboard credits do not apply to third and fourth passengers sharing the same stateroom. Single occupancy stateroom is eligible for one onboard credit per stateroom. All fares are per person, cruise only and double occupancy unless otherwise specified. Onboard credit may not be combined with other offers. Benefits are subject to change at any time without prior notice. Blackout dates, stateroom category, select itineraries, fare and other restrictions may apply. Shipboard credits will apply to one segment only on backto-back and multi-segment itineraries. World Elite shipboard credits cannot be used for casino charges charged to a cardholder’s shipboard account, are not combinable with any other shipboard credits and cannot be applied to the cost of the cruise, port charges, gratuities or other fees. All reservations are subject to the terms and conditions outlined in the Passage Contract for each applicable cruise line. Other restrictions and limitations may apply depending on cruise line and category of cabin. If a booking is made through CWT with a supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twentyfour (24) hours of a Cardholder’s original reservation through CWT with a supplier that is not participating in the World Elite benefits program, CWT is notified of a lower publicly-available rate that meets the exact booking criteria for the same supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, vacation package provider, airline or other) in an attempt to procure that same lower rate for the Cardholder, or, alternatively, the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. The Parties acknowledge that, with respect to airfares booked in the U.S., Cardholders may not be allowed to cancel a reservation after twenty-four (24) hours. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. Additional restrictions and limitations may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for full program details and terms and conditions. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE, MASTERCARD TRAVEL SERVICES and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Vacation Package Benefits: To take advantage of any World Elite Vacation Package benefits, World Elite MasterCard cardholders must book through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel Services and must reserve and pay in full for reservations, including deposit and final payment, with a valid World Elite MasterCard. World Elite cardholders may save a maximum of up to $250 and as much as 5% per person depending on package type (luxury escorted vacation packages, premium escorted vacation packages, luxury custom vacation packages, premium independent vacation packages or premium vacation packages) on select itineraries unless otherwise noted. Offers vary per provider. World Elite savings benefits are not transferable, are subject to change or cancellation without notice and are subject to availability. In most cases, the cardholder must book travel of a minimum duration and/or minimum spend to receive available World Elite benefits. All travel must be booked and commence by December 31, 2015, unless otherwise noted. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. The benefit applies to the first two full-paying travelers in a party. If a booking is made through CWT with a supplier that is not participating in the World Elite benefits program, then CWT will offer rates negotiated by CWT and/or those available to CWT in the Global Distribution System. If within twenty-four (24) hours of a Cardholder’s original reservation through CWT with a supplier that is not participating in the World Elite benefits program, CWT is notified of a lower publiclyavailable rate that meets the exact booking criteria for the same supplier, then CWT will contact the applicable Supplier (including hotel, cruise line, car rental, vacation package provider, airline or other) in an attempt to procure that same lower rate for the Cardholder, or, alternatively, the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. The Parties acknowledge that, with respect to airfares booked in the U.S., Cardholders may not be allowed to cancel a reservation after twenty-four (24) hours. For purposes of the foregoing, discount or negotiated rates not available to the general public, such as closed memberships, auction sites, phone only rates and same day mobile only rates are not considered publicly available rates. Blackout dates and additional terms and conditions may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for additional program details and terms and conditions. MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE, MASTERCARD TRAVEL SERVICES and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Car Rental Program Benefits: To take advantage of World Elite rental car benefits, rental car reservations must be made through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel Services, and full payment must be made with a valid World Elite MasterCard. One of the travelers must be the holder of a valid World Elite MasterCard. All travel must be booked and commence by December 31, 2015. Program benefits are available through participating car rental companies. Complimentary enrollment by participating car rental companies is available to the World Elite MasterCard cardholder only and is non-transferable. Eligibility to rent vehicles is subject to standard qualifications and rental conditions, including standard age, driver and credit requirements. Program benefits are subject to availability and are subject to change or cancellation without notice. If within twenty-four (24) hours of a Cardholder’s original reservation, MasterCard Travel Services is notified of a lower publicly-available rate that meets the exact criteria for the same Supplier, MasterCard Travel Services will contact the applicable Supplier (including hotel, cruise line, car rental, vacation package provider or airline) in an attempt to procure that same lower rate for the Cardholder, or the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. Blackout dates may apply. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. Additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for additional program details and terms and conditions. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

Chauffeured Car Program Benefits: To take advantage of World Elite chauffeured car benefits, chauffeured car reservations must be made through Carlson Wagonlit Travel, MasterCard’s designated travel agent for MasterCard Travel Services, and full payment must be made with a valid World Elite MasterCard. All travel must be booked and commence by December 31,2015. Program benefits are available with participating chauffeured car companies. Program benefits are subject to availability and are subject to change or cancellation without notice. If within twenty-four (24) hours of a Cardholder’s original reservation, MasterCard Travel Services is notified by a cardholder of a lower publicly-available rate that meets the exact criteria for the same Supplier, MasterCard Travel Services will contact the applicable chauffeured car Supplier in an attempt to procure that same lower rate for the Cardholder, or the Cardholder will be allowed to cancel his or her reservation, provided the Cardholder was not informed at the time of booking that the reservation was non-refundable. Blackout dates may apply. Multiple World Elite travel benefits provided by MasterCard Travel Services may be booked, but such benefits may not be combinable with a travel service provider’s other offers. Benefits may generally be redeemed multiple times, subject to specific travel service provider limitations or unless limits are noted and are valid on new bookings only. Additional terms, conditions and restrictions may apply. The goods and services described herein are offered and provided by third party merchants and MasterCard is not responsible for any losses related to the offer, fulfillment or use of the goods or services. Please contact your MasterCard Travel Services travel advisor for additional program details and terms and conditions. Carlson Wagonlit Travel, MasterCard, World Elite MasterCard issuers and benefit travel service providers are not responsible for printing or typographical errors. MASTERCARD, WORLD ELITE and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All rights reserved.

MasterCard Airport Concierge™, provided by Global Airport Concierge Ltd, a MasterCard approved service provider. (“GAC”), In the case of making any airport concierge service (“Meet & Greet”) bookings utilizing MasterCard Airport Concierge provided by Global Airport Concierge, it is the MasterCard cardholder’s responsibility to provide all the required and correct information. Any lack or delay of the information can affect the service and neither MasterCard nor GAC will be held responsible for any such affected service. It is the MasterCard cardholder’s responsibility to choose and book a start time that allows sufficient time for the service to take place or the formalities to be completed in good time. There is no charge for any cancellations made more than 48 hours in advance of the service. For any cancellations made within 48 hours prior to the scheduled service, there is a 100% charge equivalent to full invoice and no right to refund. There is no charge for any amendments to the services made more than 48 hours in advance of the service. For any amendment made less than 48 hours in advance of the service, there will be a change fee imposed, which varies depending on the airport. Airside access at some airports may be subject to possible security restrictions. Infants up to 12 months will not be charged and between 12 and 36 months will be charged at 50% of the standard rate. Standard service times are typically 3 hours. Additional fees may apply for service–times of more than 3 hours. This does not apply to cases when flights are unexpectedly delayed. Additional fees may apply after the initial booking due to changes/cancellations made within 48 hours of travel, extra services added or additional passengers added at the airport. Fees depend on the airport and can be requested at time of booking. All rates are inclusive of foreign taxes, administration costs, gratuity & tips. Additional terms, exclusions and conditions apply, visit www.mastercard.com/airportconciergeterms.

Travel related services are provided by or through one or more travel service providers and such travel service providers and benefits, as well as the terms and conditions contained herein, are subject to change at any time by MasterCard without notice. This offer may be terminated by MasterCard without notice.

2015 U.S. World Elite MasterCard® Terms and Conditions

2015 U.S. World Elite MasterCard^® Terms and Conditions