HOW TO EARN. There s no limit to how much you can earn! 2% CASH BACK 1 REWARDS 1% CASH BACK REWARDS EVERYWHERE ELSE.

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1 REWARDS THE WAY YOU WANT THEM Get the most out of the purchases you make by earning unlimited rewards with the Military Free Cash Rewards Program Welcome to Military Free Cash Rewards from Chase, a rewards program designed for our valued Military cardmembers. With Military Free Cash Rewards, you ll find a robust market-place that offers you a wide variety of rewards and program benefits. Earn unlimited Cash Back Rewards on purchases made on and off installation Enjoy Cash Back Reward points that do not expire and have no caps HOW TO EARN 2% CASH BACK 1 REWARDS at Air Force Services, Army MWR and MCCS Merchant Locations, Armed Forces Recreation Centers, the Exchange & Commissary. 1% CASH BACK REWARDS EVERYWHERE ELSE. Redeem Rewards for Cash Back, Gift Cards, Merchandise or Travel There s no limit to how much you can earn!

2 BRC12034.indd EARN CASH BACK REWARDS AT THE PLACES YOU SHOP EVERYDAY CASH BACK IN 3 WAYS. CASH FieldTrips GreensFees SummerCamps SnackShops Restaurants DrivingRange ArmedForcesRecreationCenters FitnessCenters DevelopmentCenters Food& Tutoring CoffeeShops Beverage Golf Club DayCare Courses ProShop ChildYouth&SchoolServices OutdoorRecreation Last Save Date: :44 PM User Name: Inverso, Mark D Station Name: WWIL Job Info Segment: Portfolio Campaign: Maritz to White Label Cell: WR #: Partner: AAFES MILITARY FREE PremiumID: Talk about flexible. Redeem points for cash in any denomination, starting at $20. RPC: 0141 Creative Format ID: CF14405 Plus you can Component Spec ID: INC-S Deposit your cash directly into a Chase bank account, if you have one. Campaign Date: 2. Pay yourself back with a statement credit. Document Size: Trim Width: 3.5 Trim Height: 8.5 Fold Position: Folded Size: 3. Receive a check by mail. As always, it s your choice. Fonts & Images Fonts: Berthold Akzidenz Grotesk (Medium, Light, Bold, Bold Condensed, Extra Bold Condensed), Helvetica Neue (75 Bold) YouthRecreationCenters TravelAgencyServices CommunityRecreation Centers MWR Creative Designation: New Images: 05284_bkgd_rCMY_ eps (CMYK; 300 ppi, -300 ppi; 100%, -100%) 05284_bkgd_rCMY_MiltfreePg3.eps (CMYK; 301 ppi; 100%) 05284_bkgd_vCMY_iconCash.eps Inks: Our point and click calculator takes the hassle out of turning your points into cash back. Cyan Magenta Yellow Black FPO Tech Notes Notes: Project ID: BRC12034.indd /18/12 12:45 PM CS6918_BRC31903_FNL1.Indd

3 MERCHANDISE Choose from 1,000 s of items. Redeem your points for the latest and greatest from computers to microwaves to movies and more! Plus, your merchandise is shipped right to your door. GIFT CARDS Use your points for gift cards from dozens of top brands, including some of the best names in business. Shop the big names online at in-store prices. To see a complete list of participating retailers, visit chase.com/militaryfreecash

4 BRC12034.indd TRAVEL Creative Designation: New TRULY REWARDING TRAVEL Last Save Date: :44 PM User Name: Inverso, Mark D Station Name: WWIL Job Info This is the way to go. No restrictions and no black-out dates. Really. The reward points you earn with your Chase Military Credit Card do not expire, so you can save your rewards for the vacations you ve been dreaming about. Segment: Portfolio Campaign: Maritz to White Label Cell: WR #: Partner: AAFES MILITARY FREE Earn even more rewards by booking your airfare and hotel through the Military Free Cash Rewards program. You can use your points or your Chase Military Credit Card to pay for travel. Or split your payment and use both. PremiumID: Purchase airline tickets, hotel accommodations, Car Rentals, Cruises or choose from a wide variety of travel packages. RPC: 0141 Creative Format ID: CF14405 Component Spec ID: INC-S13987 Campaign Date: Document Size: Trim Width: 3.5 Trim Height: 8.5 Fold Position: Folded Size: See Program Rules and Regulations. Fonts & Images Fonts: Berthold Akzidenz Grotesk (Light, Medium, Bold), Helvetica Neue (75 Bold) Images: 05284_bkgd_rCMY_ eps (CMYK; 300 ppi; 100%) 05284_bkgd_rCMY_ eps (CMYK; 300 ppi; 100%) 05284_bkgd_rCMY_MStrvel2.jpg (CMYK; 327 ppi; 21.99%) 05284_bkgd_vCMY_iconTravel.eps Inks: Cyan Magenta Yellow Black FPO Tech Notes Notes: Project ID: BRC12034.indd /18/12 12:45 PM CS6918_BRC31903_FNL1.Indd

5 MAXIMIZE YOUR REWARDS Your Chase Military MasterCard is designed to complement your lifestyle and help you earn Cash Back Rewards wherever you go. IT S AS EASY AS Use Your MasterCard For All Your Purchases Earn 2% Cash Back Rewards for every $1 spent when you shop at Air Force Services, Army MWR and MCCS locations, Armed Forces Recreation Centers, the Exchange and Commissary. Earn 1% Cash Back Rewards everywhere else. MasterCard credit cards are accepted at over 32 million locations worldwide. Turn Any Bill Into Cash Back Bill pay is a free automatic bill payment feature that uses your Chase Military MasterCard to pay your monthly bills such as cell phone, cable, internet, auto insurance, utilities, gym memberships and more. Earn Cash Back Rewards with every payment made with your Card. Make sure your bills are paid on time, every time. Get started with chasebillmanager.com Share The Benefits Add an authorized user to your account 2 and you ll both earn Unlimited Cash Back Rewards when making purchases or paying bills with your cards. Learn More at Chase.com/AuthUser That s millions of places and ways to earn more Cash Back!

6 Providing Cash Back Rewards TO THOSE WHO SERVE Military Free Cash Program (or the Program ) Rules and Regulations Issuer: Your Rewards credit card ( Card ) account ( Account ) is issued by Chase Bank USA, N.A. (hereinafter we, our, or us ) located in Wilmington, DE. In these Program Rules and the Redemption Rules, you or your, means all persons responsible for complying with this agreement, including the person who applied for the Account and the person to whom we address billing statements, as well as any person who agrees to be liable on the Account. Ability to Earn Rewards: If your Account is in default as described in your Cardmember Agreement ( Agreement ), and/or your Account is closed for any reason, and/or there is any fraud or abuse related to the accrual of points, we reserve the right to prohibit you from earning points through your Account until the next billing cycle after your Account is no longer in default, and to cause you to forfeit any points in your Account. If your points are forfeited for any reason, we will not reinstate these points to your Account. If your Account is closed for any reason, your membership in the Program will be terminated. Earning Rewards: You will earn 2 points for each $1 of Net Purchases on your enrolled account made at qualified Military Exchange, Commissary, MCCS, Army MWR, and Air Force Services merchant locations (excluding concessionaire purchases). You will earn 1 point for each $1 of all other Net Purchases. You will also earn an additional 1 point for each $1 of airfare and hotel accommodation Net Purchases when you book through our toll-free travel redemption number. ( Net Purchases means purchases of goods and services made by you or any authorized user on your Account minus any returns or refunds.) Point accrual will begin upon the Enrollment Date in the Program. ( Enrollment Date is the day on which we approve you as a Program member.) No retroactive points will be awarded. You do not earn points on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your Account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your Account. Points will be deducted for any returns or credits made on your Account. Points will appear on your billing statement. Additional promotional opportunities to earn points are available with the rewards program. The amount and availability of the promotional offer will vary as defined by the terms of the promotion. Earning Restrictions: Points earned are not transferable, except as specified in your Redemption Rules, have no cash value and cannot be used as payment of obligation to us. If there is any abuse of the Program, failure to follow Program terms, or any misrepresentation by you, all unredeemed points shall be forfeited and no additional points shall accumulate. There is no maximum number of points that you can accumulate in the Program. Bonus/Promotional offers may have a maximum accumulation. Expiration: Points earned in this Program will not expire. Redemption Process: Points will be awarded and will be redeemed for rewards on a first-earned, first-redeemed basis. Points earned during a billing cycle are not available for redemption until they are posted on your billing statement. Points for transactions made on or near the end of your billing cycle may take up to one billing cycle to post on your billing statement. Once you accumulate the required number of points, you will be eligible to redeem them for your selected reward item. To redeem your points for travel 24 hours a day, 7 days a week, call our toll-free travel redemption number To redeem for all other items, visit chase.com/militaryfreecash or call the toll-free number on the back of your Card. See Program Redemption Rules for more details. Only you, as the obligor on the Account, may redeem points; authorized users may not redeem points. Additional Obligations: You are responsible for any tax liability, including disclosure requirements, related to participating in the Program. Program Restrictions: We reserve the right to approve, deny or revoke participation in the Program for any reason whatsoever. Right to Change/Modify/Cancel: The Program and benefits are offered through Air Force Club program, Army Morale, Welfare and Recreation, Navy Morale, Welfare and Recreation, Marine Corps Community Services and us. We along with Air Force Club program, Army Morale, Welfare and Recreation, Navy Morale, Welfare and Recreation, Marine Corps Community Services reserve the right to cancel, modify, restrict, waive, temporarily suspend, or terminate the Program or any aspects or features/benefits of the Program at any time without prior notice, including, without limitation, participation fees, point accrual or redemption criteria. Program Responsibility: Individual merchants and service providers are responsible for the quality and performance of any goods and/or services redeemed as a benefit of this Program. Any rules of the merchants relating to returns and exchanges of rewards apply. We are not responsible for redeemed goods and/or services offered through the Program. Any disputes concerning rewards will not affect your payment obligation to us on your Account. We are not responsible for any disputes among you or any authorized users relating to the Program. Questions regarding the Program should be directed to the toll-free number on the back of your Card. Administrative services for the Program are provided on our behalf by our agents. Neither Chase nor any of our agents shall be liable for any bodily harm and/or property damage and/or lost opportunity, which may result from participating in the Program or for the provision of goods or services by award merchants or service providers. Program Void: The Program is void where prohibited by federal, state, or local law. These Rules and Regulations set forth all the terms of the Program in addition to, and supplement, the Redemption Rules that govern the redemption of points, and any other rules provided by us or our agents. We have no other obligation with respect to the Program beyond those described in these Rules and Regulations, the Redemption Rules, and any supplemental rules. These Rules and Regulations supersede any prior versions of the Program Rules and Regulations.

7 Redemption Rules Ability to Redeem Rewards: If your Account is in default as described in your Cardmember Agreement, and/or your Account is closed for any reason, and/or there is any fraud or abuse related to the accrual of rewards, we reserve the right to prohibit you from redeeming rewards through your Account until the next billing cycle after your Account is no longer in default, and to cause you to forfeit any rewards in your Account. If your rewards are forfeited for any reason, we will not reinstate these rewards to your Account. Travel You may redeem points for available airline tickets, hotel stays, cruises, travel packages, and car rentals through our toll-free travel redemption number hours a day, 7 days a week. You will be told the amount of any service fee, if applicable, before you book your airline ticket(s) through our toll-free number. Redemptions may be made in 1 point increments for each $ incremental ticket value. For example, 20,000 points can be redeemed for a $200 airline ticket. If you want to book a ticket with a value greater than the redemption value of your points, the additional amount must be paid for using your Card. Sufficient credit must be available for the transaction to be approved. In addition, there may be bonus redemption offers for one roundtrip scheduled airline ticket with a fixed value, for a discounted number of points, available through our toll-free number, where permitted by law. Redemptions for this specific item have the service fee waived. If you choose to book a ticket using the fixed ticket bonus option, and the actual ticket value is less, the number of points needed to redeem remains the same. For example, an offer to redeem 25,000 points for one roundtrip scheduled airline ticket valued at up to $335 will still require 25,000 points if the ticket you book is valued at $300. If you book a ticket with a value greater than the value of the fixed ticket, the additional amount must be paid for using your Card and/or additional points. Travel rewards are subject to availability. Standard age, driver and credit rental requirements apply to car rental rewards. Minimum rental age is 25 (exceptions apply). Additional Travel Information Tickets may be purchased in any name; however, tickets will be mailed or ed, as applicable, to your address. Paper tickets will be issued only when electronic ticketing is not available. Additional costs, such as rush charges and/or traceable overnight delivery of tickets, are at your expense. Passenger facility charges, international entry or departure taxes and/or fees, any applicable local taxes and fees, and any other fees, including baggage fees, are at traveler s expense. Any additional travel or accommodation arrangements made in connection with any reward are your sole responsibility. Point credits will not be issued for any cancelled travel arrangements. You may not upgrade travel arrangements obtained by redeeming your points. For example, if you redeem for Coach Class airfare using your points, you may not upgrade the Coach Class ticket to a First Class ticket at the airport. Travel redemptions and/or purchases are not refundable, exchangeable, replaceable, redeemable, or transferable for cash, credit, or other items or rewards under any circumstances. Travelers are responsible for obtaining and possessing all required documentation needed for travel. It is recommended that both U.S. and non-u.s. citizens verify current entry requirements before making international reservations. Cash Back Minimum redemption amounts may be required to redeem your points and are listed on chase.com. Account Deposits: You may redeem points for a credit to your Chase savings or checking account ( DDA ). DDA deposit will post to your Account within 2-3 business days and will appear on your billing statement within 1-2 billing cycles. Statement Credits: You may redeem points for a statement credit provided you meet any minimum amount listed on chase.com. Statement credit deposit will post to your Account within 2-3 business days and will appear on your billing statement within 1-2 billing cycles. Checks: You may redeem points for a paper check. Checks must be surrendered upon redemption and no photocopies will be honored. Charity: You may redeem points for a donation to select charities. Consult a tax advisor to determine your right to deduct your reward as a charitable donation. Gift Cards Minimum redemption amounts may be required to redeem your points, may vary by merchant, and are listed online at chase.com. Additional redemption terms and conditions, if applicable, will be available on chase.com prior to checkout. Please see the merchant s gift card/certificate website for additional terms and conditions, which, if permitted by law, are subject to change at sole discretion of merchant. Gift cards/certificates are valid at participating merchants only, through the expiration date, if any, as permitted by law. Merchants participating in the Program are subject to change. Gift cards/certificates must be surrendered upon redemption and no photocopies will be honored. Gift cards/certificates have no cash value and are not exchangeable, redeemable, or transferable for cash, credit, or other items or rewards under any circumstances, and any unused portion will not be returned as cash unless otherwise noted on the gift card/ certificate. Purchases in excess of the amount of the gift card/certificate are at the reward holder s expense. Merchandise Redemption Minimum redemption amounts may be required to redeem your points, may vary by merchant, and are listed on chase.com. Additional redemption terms and conditions, if applicable, will be available on chase.com prior to checkout. Merchandise is not exchangeable, redeemable, or transferable for cash, credit, or other items or rewards under any circumstances. Country of item s origin may change. Reward Delivery, Shipping and Handling: Delivery time of rewards redeemed depends upon the reward. Some rewards cannot be shipped to PO Boxes or foreign addresses. Expedited delivery may be available upon request for an additional charge. For all merchandise and gift cards/certificates, all sales/ use taxes, fees, surcharges, optional items and shipping and handling charges are the responsibility of the cardmember and will apply in accordance with the merchants policies in effect at the time of redemption. Reward Replacement To request a refund or replacement of gift cards/certificates, checks, or merchandise, please call the number on the back of your Chase Card. A Chase advisor will review whether your reward redemption qualifies for a refund or replacement and you will receive a notification if the order is not available for refund or replacement. Miscellaneous We reserve the right to change redemption items offered in the Program at any time without notice. Redemption values for all items are effective 08/28/12, and are subject to change without notice. Administrative services for the Program are provided on our behalf by our agents. Individual merchants and service providers are wholly responsible for the quality and performance of any goods and/or services received as a benefit of this Program, including those received through redemptions and promotions. The listed merchants are not affiliated with us, nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by permission of each respective merchant, and all trademarks are the property of their respective owners. Items are subject to availability and may be substituted with items of equal or greater value as necessary. Many redemptions are final; please check the applicable merchant s terms and conditions before you redeem. Any rules of the merchants relating to returns and exchanges of rewards apply. Merchants participating in the Program are subject to change. You are responsible for any tax liability, including disclosure requirements, related to participating in the Program (for example, the receipt of redemption items). These Redemption Rules, and any other rules provided by us or our agents, supplement the Program Rules and Regulations. We have no other obligation with respect to the Program beyond those described in these Redemption Rules, the Program Rules and Regulations, and any supplemental rules. These Redemption Rules supersede any prior versions of the Program Redemption Rules. RPC /28/12 1 Rewards are earned as points, which can be redeemed for cash back. 1% cash back equals 1 point. If you choose to redeem for cash back, 1 point equals $0.01 cash back. For example, 2,000 points can be redeemed for a $20 check. 2 As the primary cardmember, you will be liable for all account balances. Authorized users will have no financial responsibility for the account. For authorized users, this account will be reported to the credit reporting agencies as an authorized user s account. This could potentially impact an authorized user s credit score. If an authorized user who is the spouse of the primary cardmember is added at the time the account is opened, he/she will not be able to remove the account or account history from their credit bureau report. All correspondence including statements and notifications will be sent to the address listed on the account. Bloomin Brands Restaurant Partners, LLC (Outback Steakhouse of Florida, LLC, Carrabba s Italian Grill, LLC, Bonefish Grill, LLC, Roy s/outback Joint Venture and Bloomin Brands/Fleming s, LLC), is not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. itunes is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion. The listed gift card, certificate or travel voucher retailers are in no way affiliated with Chase Bank USA, N.A., nor are they participants, sponsors or co-sponsors of this Program and are not liable for any alleged or actual claims related to this Program. All gift cards, certificate or travel vouchers are subject to the terms and conditions stated on the card, certificate, vouchers or the retailer s website. All trademarks are property of their respective owners and used with their permission.