Republic Bank / AAdvantage Business Executive Mastercard

The more you use your Republic Bank / AAdvantage® Business Executive Mastercard® credit card. the faster you will earn AAdvantage® miles, and the closer you will be to redeeming them for business or personal travel.

Your Republic Bank / AAdvantage® Business Executive Mastercard® credit card gives you automatic enrollment in the world's largest travel rewards program - the American Airlines AAdvantage® Program. Earning AAdvantage® miles has never been easier.

You earn one AAdvantage® mile for every US dollar (or equivalent) spent on your card or on any additional cards issued on your account for employees. You will have the chance to earn Bonus miles by taking advantage of special offers from Republic Bank and AAdvantage®•

In addition, you'll receive 3,000 AAdvantage® Bonus miles when you make your first purchase using your new Republic Bank / AAdvantage® Business Executive Mastercard® credit card. It's our way of welcoming you.

Rentals, hotel stays, meals and vacation packages. American Airlines® and its partners connect you to more than 950 destinations worldwide - so you can choose the business or personal travel that's right for you.

You can even use your AAdvantage® miles to upgrade your airline tickets.

For more information on the American Airlines AAdvantage® Program, including program details, partners, mileage programs and AAdvantage® bonus offers. please go to www.aa.com.

*Conditions apply. Kindly refer to your cardholder Agreement for full details about the AAdvantage Rewards Program.

Whenever you travel for business, your Republic Bank / AAdvantage® Business Executive Mastercard® credit card can provide you with cash advances at financial institutions and ATMs throughout the world where the Mastercard®/Cirrus® symbol is displayed. That means ready access to cash - wherever you are, whenever you need it. An additional feature for you, as the business owner, is that cash advance use can be restricted on cards other than yours.

Before you use your Republic Bank Mastercard® Business credit card at an ATM, please visit a Republic Bank branch to select a Personal Identification Number (PIN) and activate your chip card.

For the complete details of your rights and obligations when using your Republic Bank Mastercard® Gold credit card. please see the Cardholder Agreement accompanying this booklet.

Share the benefits and financial flexibility of your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card with key staff members. You'll earn AAdvantage® miles on all their purchases too, so you can collect your AAdvantage® miles that much faster! Order up to five cards and set specific credit limits for each card. Just complete the enclosed application form, take it to a Republic Bank branch and we'll issue additional Republic Bank / AAdvantage® Business Executive Mastercard® credit cards on your account.

Use Republic Bank Credit Card Cheques to make business purchases for situations where credit cards aren't accepted but cheques are. They're more secure and convenient than using cash.

As the business owner. you can also use Republic Bank Credit Card Cheques to transfer balances to your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card account from non-Republic Bank credit cards or business loan accounts. You'll have only one convenient monthly payment to make.

You'll find an initial supply of Republic Bank Credit Card Cheques accompanying this booklet. Use them the same way you'd use an ordinary cheque. Fill in your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card number at the top of your cheque, then complete the date. the amount and to whom the cheque is payable. Then sign your name.

You can order more cheques at any Republic Bank branch.

*Credit card Cheques are not available in all countries.

Your Republic Bank / AAdvantage® Business Executive Mastercard® credit card provides you with automatic protection in the event of travel-related emergencies at no additional charge.

If a Republic Bank / AAdvantage® Business Executive Mastercard cardholder is assaulted during or immediately after using their Republic Bank / AAdvantage® Business Executive Mastercard at an ATM, and suffers loss of life, this coverage provides a death benefit of US$4,800.

The elite Concierge Service will assist you with making dinner reservations. purchasing tickets to events, arranging dream vacations. coordinating business arrangements worldwide, locating hard-to-find items. and buying and delivering those perfect gifts. The cost of goods or services is billed to your Republic Bank / AAdvantage® Business Executive Mastercard® credit card.

As a Republic Bank / AAdvantage® Business Executive Mastercard® credit card cardholder, you are automatically entitled to the benefits of Travel Assistance Services.

These benefits are designed for you or your spouse and dependent children when you're travelling 100 miles (160 km) or more from home, whether travelling together or separately.

In general, coverage applies worldwide, but there are exceptions. Please contact Travel Assistance Services prior to embarking on a Covered Trip to confirm whether or not services are available at your destination(s).

• Lost baggage assistance
• Emergency transportation assistance
• Emergency card replacement
• Emergency medical referrals
• Legal referrals
• Pre-trip assistance
• Lost document and ticket replacement assistance

MasterRental Insurance coverage automatically covers your rental vehicle against collision with another object, overturn. theft, vandalism. accidental fire and physical damage as a result of hail, lightning. flooding or other weather-related causes to a maximum of US$75,000 when you rent a vehicle worldwide. for up to 31 days and pay the full rental cost with your Republic Bank / AAdvantage® Business Executive Mastercard® credit card and the terms of the rental agreement are adhered to.

MasterAssist provides eligible cardholders, their spouse, and their dependents with coverage up to US$100,000 per person for medical expenses when travelling outside of their country of residence. Emergency medical evacuation. repatriation of remains. hotel convalescence costs and emergency family travel costs are also covered when cardholders charge common carrier transportation to their Republic Bank / AAdvantage® Business Executive Mastercard® credit card. For travel to Europe, Master Assist provides proof of travel/medical insurance to satisfy the requirements of the Schengen Agreement.

For more information on any of these services, call 1-800-MC-ASSIST (1-800-622-7747}. For full coverage details. please visit our website or your local branch.

*The information contained herein is provided solely for general informational purposes. It does not intend to be a complete description of all terms. conditions and exclusions of the policies or other benefits, all of which are subject to change by Mastercard®. the underwriters or other service providers at any time and without prior notice.

The coverage for Purchase Protection covers eligible purchases for losses caused by accidental damage or theft, if they occur within 45 days from the date of purchase (as indicated on the store receipt}. Purchase Protection is limited to US$100 per event and US$200 per year. The covered items purchased must be paid in full with your Republic Bank/ AAdvantage® Business Executive Mastercard® credit card. Specific terms and conditions apply.

For full coverage details, please visit your local branch.

Republic Bank Mastercard® Credit Protection covers the outstanding balance of your Republic Bank/ AAdvantage® Business Executive Mastercard credit card up to a maximum coverage amount'. so that your family has one less financial obligation to worry about. Plus, if you choose to provide a Republic Bank / AAdvantage® Business Executive Mastercard® credit card to an employee for company use. then the outstanding balance on that card would also be paid off if you, as the insured person. were to die or be diagnosed with a covered critical illness.

Your monthly premium is based on the outstanding balance on your previous month's Republic Bank / AAdvantage® Business Executive Mastercard® credit card statement plus any outstanding balances on additional cards issued to your co-owner(s) or employees for company use. If your balance is zero, no premiums are charged. And you are automatically approved for coverage with no health questions to answer".

To enroll for this important protection. just complete the Enrollment Form attached to the Certificate of Republic Bank Mastercard® Credit Insurance accompanying this booklet and return it to any Republic Bank branch.

The Certificate of Credit Insurance for Republic Bank Mastercard® credit card for Small Business accompanying this booklet is only valid if you've enrolled for this optional insurance coverage.