Westgate Rewards Mastercard^® Credit Card

Q: What are the hours of operation for the Credit Customer Care Center?

A. The Credit Customer Care Center is here to assist you 24 hours, 7 days a week. Even on Holidays! Call 1-866-886-1013 (TDD/TTY 1-800-695-1788) to speak to a Customer Care Representative.

Q. What information is available on the 24 hour Credit Customer Care Center line?

• Check account balance and available credit

• Check last payment amount and date received

• Check minimum payment due and due date

• Make a same day payment by telephone or obtain the address to send a payment

• Change address, add authorized buyer, and update last name

• Request a credit balance refund

• Request the last 10 transactions applied to the account

• Close an account and request a closed account confirmation letter

• Request a zero balance confirmation

• Request a credit limit increase

Q. How do I take advantage of the 4,000 point bonus for new accounts?²

A. You will receive this point bonus once all of the below criteria are met:

• Make purchases totaling $500 or more on your Westgate Rewards Mastercard

• Purchases are made within 60 days of opening the account

• Purchases must be made outside of Westgate

Q. How can I maximize earning points on my Westgate Rewards Mastercard?

A. It's easy to maximize earning points by using your card for everyday purchases! This means, with every purchase on your Westgate Rewards Mastercard you will earn 2 points per dollar spent on all purchases made at Westgate Resorts,³ gas and grocery store purchases,⁴ and 1 point per dollar spent everywhere else Mastercard is accepted.⁴ Plus, you can also earn 4,000 bonus points if you make purchases outside of Westgate Resorts totaling $500 or more within the first 60 days of the account opening on your Westgate Rewards Mastercard.² You can even add Authorized Buyers to your Westgate Rewards Mastercard⁵ which allows you to earn even more points if your Authorized Buyers use their Westgate Rewards Mastercard for everyday purchases too.

Q. How do I redeem my Reward Certificates?

A. You can either bring your Reward Certificates to a Westgate Resort to redeem them toward onsite products and services or call 1-800-864-5216 to use them toward Westgate payments, room nights, and much more!

Your Reward Certificates can be redeemed toward the following Westgate products and services:

• HOA Fee

• Westgate Mortgage Payment

• Attraction Tickets

• Developer Exchange Fee

• Marketplaces

• Owner Events

• Room Reservations

• All WGR Restaurants

• Serenity Spa

• Westgate Vacation Ownership, VAC PAC, VOA, Travel Club Purchases

• Vacation Guard®

Q: Will I be able to view my statements and pay my bill online?

A: Yes. Before you can perform these activities online, you will need to enroll in Online Account Management at comenity.net/westgatecard. Instructions will also be provided on your billing statement. If online payments are made by 6 PM EST, it will be credited the same day.

Q: Can I apply my Reward Certificates toward purchases made with Westgate Cruise & Travel?

A: Reward Certificates are not applicable to purchases made with Westgate Cruise & Travel.

To apply by phone, call 1-855-463-6341

(TDD/TTY 1-800-695-1788)

Terms & Conditions:

1 This rewards program is provided by Westgate Resorts and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/westgatecard.

2 Valid one time only. Offer is exclusive to Westgate Rewards Mastercard® Credit Card holders enrolled in the Westgate Rewards program. Maximum of 4000 bonus points per new account.

3 Offer is exclusive to Westgate Rewards Mastercard® Credit Card holders enrolled in the Westgate Rewards program. Excludes Westgate Cruise and Travel purchases.

4 Offer is exclusive to Westgate Rewards Mastercard® Credit Card holders enrolled in the Westgate Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Bank does not have the ability to control assignment of merchant codes.

5 Authorized users are allowed to purchase on your account; however, as the primary account holder, you are responsible for payments on all purchases.

Credit card offers are subject to credit approval.

Westgate Rewards Mastercard® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.