Common use of Program Terms & Conditions Subject to Change Clause in Contracts

Program Terms & Conditions Subject to Change. We may add to, remove and/or reduce, terminate, or modify the Program, the Benefits, the Service Agreements, and/or these Terms & Conditions at any time in our sole discretion and without notice to you. By way of example and without limitation, we may change the number of Points you can earn for making purchases with or using your My RewardsTM Debit Card; we may change the number of Points required to get Rewards and/or the method by which you must redeem your Points; we may impose caps and/or fees on earning and/or utilization of the Points you earn; we may increase monthly or other Program fees and/or charges; we may outright cancel certain Rewards and/or cease to offer any or all of the Benefits. We may also end your participation in the Program at any time in our discretion in the event that we reasonably determine that suspension or termination is necessary in order to protect you, us, or Financial Institution from harm or compromise of integrity, security, reputation, or operation. Program terms and conditions, and benefits offered, are subject to change without notice. The latest information on program terms and conditions and the benefits offered is available at xxxx://xxxx.xxxxxxxxxxxxxxxxxxxxx.xxx or by writing to: PO Box 2600, Wilmington, NC 28402. Upon modification of these Terms & Conditions, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of these Terms & Conditions. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified Terms & Conditions, however, you must immediately cancel your Program enrollment and cease using the My RewardsTM Debit Card. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. In terms of Points and Rewards that may be issued and/or redeemed in association with the Program and/or your use of a Program eligible debit card, you may only use Points for Rewards that are currently available. Certain Rewards may only be available for specific time periods. Fulfillment of Rewards, and participation in the Rewards program itself, is subject to the terms and conditions of the Rewards program that may be found at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website. Some of our Rewards may have additional terms and conditions specific to the particular Reward, including those from Third Party Benefit Providers. The detailed terms and conditions for a specific Reward are also available at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website or by written request sent to: PO Box 2600, Wilmington, NC 28402. When you use or redeem Points to receive Rewards, you release us and all of our affiliates from any and all liability for your use of Points, for your use of the Rewards, and for your participation in the Program. None of the group comprising us, Financial Institution, or the Third Party Benefit Providers is responsible for replacing lost, stolen or damaged Points vouchers, certificates, tickets or gift cards and we may refuse your request or attempt to use or redeem Points if My RewardsTM Debit Card or the associated Program eligible account is not in good standing. You are responsible for making sure you have the most current version of these Terms & Conditions at any time. We reserve the right to revise this Terms & Conditions document at any time. Upon modification, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of this document. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified terms, however, you must immediately then cease using the My RewardsTM App and immediately cancel your Program enrollment. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. Further, these Terms and Conditions may be amended only by an electronic posting or communication originated by us as provided above, and not through any course of dealing or oral communications. Our acceptance, debit, or deposit of any payment made by you to us or notation on any document sent by you to us does not constitute an amendment of these Terms & Conditions by us.

Program Terms & Conditions Subject to Change. We may add to, remove and/or reduce, terminate, or modify the Program, the Benefits, the Service Agreements, and/or these Terms & Conditions at any time in our sole discretion and without notice to you. By way of example and without limitation, we may change the number of Points you can earn for making purchases with or using your My RewardsTM Debit Card; we may change the number of Points required to get Rewards and/or the method by which you must redeem your Points; we may impose caps and/or fees on earning and/or utilization of the Points you earn; we may increase annual, monthly or other Program fees and/or charges; we may outright cancel certain Rewards and/or cease to offer any or all of the Benefits. We may also end your participation in the Program at any time in our discretion in the event that we reasonably determine that suspension or termination is necessary in order to protect you, us, or Financial Institution from harm or compromise of integrity, security, reputation, or operation. Program terms and conditions, and benefits offered, are subject to change without notice. The latest information on program terms and conditions and the benefits offered is available at xxxx://xxxx.xxxxxxxxxxxxxxxxxxxxx.xxx xxxx://Xxxx.XXXXXXxxxxxx.xxx or by writing to: PO Box 2600, Wilmington, NC 28402. Upon modification of these Terms & Conditions, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of these Terms & Conditions. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified Terms & Conditions, however, you must immediately cancel your Program enrollment and cease using the My RewardsTM Debit Card. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. In terms of Points and Rewards that may be issued and/or redeemed in association with the Program and/or your use of a Program eligible debit card, you may only use Points for Rewards that are currently available. Certain Rewards may only be available for specific time periods. Fulfillment of Rewards, and participation in the Rewards program itself, is subject to the terms and conditions of the Rewards program that may be found at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website. Some of our Rewards may have additional terms and conditions specific to the particular Reward, including those from Third Party Benefit Providers. The detailed terms and conditions for a specific Reward are also available at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website or by written request sent to: PO Box 2600, Wilmington, NC 28402. When you use or redeem Points to receive Rewards, you release us and all of our affiliates from any and all liability for your use of Points, for your use of the Rewards, and for your participation in the Program. None of the group comprising us, Financial Institution, or the Third Party Benefit Providers is responsible for replacing lost, stolen or damaged Points vouchers, certificates, tickets or gift cards and we may refuse your request or attempt to use or redeem Points if My RewardsTM Debit Card or the associated Program eligible account is not in good standing. You are responsible for making sure you have the most current version of these Terms & Conditions at any time. We reserve the right to revise this Terms & Conditions document at any time. Upon modification, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of this document. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified terms, however, you must immediately then cease using the My RewardsTM App and immediately cancel your Program enrollment. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. Further, these Terms and Conditions may be amended only by an electronic posting or communication originated by us as provided above, and not through any course of dealing or oral communications. Our acceptance, debit, or deposit of any payment made by you to us or notation on any document sent by you to us does not constitute an amendment of these Terms & Conditions by us.

Program Terms & Conditions Subject to Change. We may add to, remove and/or reduce, terminate, or modify the Program, the Benefits, the Service Agreements, and/or these Terms & Conditions at any time in our sole discretion and without notice to you. By way of example and without limitation, we may change the number of Points you can earn for making purchases with or using your My RewardsTM Debit Card; we may change the number of Points required to get Rewards and/or the method by which you must redeem your Points; we may impose caps and/or fees on earning and/or utilization of the Points you earn; we may increase monthly or other Program fees and/or charges; we may outright cancel certain Rewards and/or cease to offer any or all of the Benefits. We may also end your participation in the Program at any time in our discretion in the event that we reasonably determine that suspension or termination is necessary in order to protect you, us, or Financial Institution from harm or compromise of integrity, security, reputation, or operation. Program terms and conditions, and benefits offered, are subject to change without notice. The latest information on program terms and conditions and the benefits offered is available at xxxx://xxxx.xxxxxxxxxxxxxxxxxxxxx.xxx xxxx://xxxx.xxxxxxxxxxxxxxxxxx.xxx or by writing to: PO Box 2600, Wilmington, NC 28402. Upon modification of these Terms & Conditions, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of these Terms & Conditions. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified Terms & Conditions, however, you must immediately cancel your Program enrollment and cease using the My RewardsTM Debit Card. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. In terms of Points and Rewards that may be issued and/or redeemed in association with the Program and/or your use of a Program eligible debit card, you may only use Points for Rewards that are currently available. Certain Rewards may only be available for specific time periods. Fulfillment of Rewards, and participation in the Rewards program itself, is subject to the terms and conditions of the Rewards program that may be found at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website. Some of our Rewards may have additional terms and conditions specific to the particular Reward, including those from Third Party Benefit Providers. The detailed terms and conditions for a specific Reward are also available at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website or by written request sent to: PO Box 2600, Wilmington, NC 28402. When you use or redeem Points to receive Rewards, you release us and all of our affiliates from any and all liability for your use of Points, for your use of the Rewards, and for your participation in the Program. None of the group comprising us, Financial Institution, or the Third Party Benefit Providers is responsible for replacing lost, stolen or damaged Points vouchers, certificates, tickets or gift cards and we may refuse your request or attempt to use or redeem Points if My RewardsTM Debit Card or the associated Program eligible account is not in good standing. You are responsible for making sure you have the most current version of these Terms & Conditions at any time. We reserve the right to revise this Terms & Conditions document at any time. Upon modification, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of this document. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified terms, however, you must immediately then cease using the My RewardsTM App and immediately cancel your Program enrollment. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. Further, these Terms and Conditions may be amended only by an electronic posting or communication originated by us as provided above, and not through any course of dealing or oral communications. Our acceptance, debit, or deposit of any payment made by you to us or notation on any document sent by you to us does not constitute an amendment of these Terms & Conditions by us.

Program Terms & Conditions Subject to Change. We may add to, remove and/or reduce, terminate, or modify the Program, the Benefits, the Service Agreements, and/or these Terms & Conditions at any time in our sole discretion and without notice to you. By way of example and without limitation, we may change the number of Points you can earn for making purchases with or using your My RewardsTM Debit Card; we may change the number of Points required to get Rewards and/or the method by which you must redeem your Points; we may impose caps and/or fees on earning and/or utilization of the Points you earn; we may increase monthly or other Program fees and/or charges; we may outright cancel certain Rewards and/or cease to offer any or all of the Benefits. We may also end your participation in the Program at any time in our discretion in the event that we reasonably determine that suspension or termination is necessary in order to protect you, us, or Financial Institution from harm or compromise of integrity, security, reputation, or operation. Program terms and conditions, and benefits offered, are subject to change without notice. The latest information on program terms and conditions and the benefits offered is available at xxxx://xxxx.xxxxxxxxxxxxxxxxxxxxx.xxx xxxx://xxxx.xxxxxxxxxxxxxxxxxxxxxxx.xxx or by writing to: PO Box 2600, Wilmington, NC 28402. Upon modification of these Terms & Conditions, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of these Terms & Conditions. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified Terms & Conditions, however, you must immediately cancel your Program enrollment and cease using the My RewardsTM Debit Card. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. In terms of Points and Rewards that may be issued and/or redeemed in association with the Program and/or your use of a Program eligible debit card, you may only use Points for Rewards that are currently available. Certain Rewards may only be available for specific time periods. Fulfillment of Rewards, and participation in the Rewards program itself, is subject to the terms and conditions of the Rewards program that may be found at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website. Some of our Rewards may have additional terms and conditions specific to the particular Reward, including those from Third Party Benefit Providers. The detailed terms and conditions for a specific Reward are also available at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website or by written request sent to: PO Box 2600, Wilmington, NC 28402. When you use or redeem Points to receive Rewards, you release us and all of our affiliates from any and all liability for your use of Points, for your use of the Rewards, and for your participation in the Program. None of the group comprising us, Financial Institution, or the Third Party Benefit Providers is responsible for replacing lost, stolen or damaged Points vouchers, certificates, tickets or gift cards and we may refuse your request or attempt to use or redeem Points if My RewardsTM Debit Card or the associated Program eligible account is not in good standing. You are responsible for making sure you have the most current version of these Terms & Conditions at any time. We reserve the right to revise this Terms & Conditions document at any time. Upon modification, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of this document. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified terms, however, you must immediately then cease using the My RewardsTM App and immediately cancel your Program enrollment. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. Further, these Terms and Conditions may be amended only by an electronic posting or communication originated by us as provided above, and not through any course of dealing or oral communications. Our acceptance, debit, or deposit of any payment made by you to us or notation on any document sent by you to us does not constitute an amendment of these Terms & Conditions by us.

Program Terms & Conditions Subject to Change. We may add to, remove and/or reduce, terminate, or modify the Program, the Benefits, the Service Agreements, and/or these Terms & Conditions at any time in our sole discretion and without notice to you. By way of example and without limitation, we may change the number of Points you can earn for making purchases with or using your My RewardsTM Debit Card; we may change the number of Points required to get Rewards and/or the method by which you must redeem your Points; we may impose caps and/or fees on earning and/or utilization of the Points you earn; we may increase monthly or other Program fees and/or charges; we may outright cancel certain Rewards and/or cease to offer any or all of the Benefits. We may also end your participation in the Program at any time in our discretion in the event that we reasonably determine that suspension or termination is necessary in order to protect you, us, or Financial Institution from harm or compromise of integrity, security, reputation, or operation. Program terms and conditions, and benefits offered, are subject to change without notice. The latest information on program terms and conditions and the benefits offered is available at xxxx://xxxx.xxxxxxxxxxxxxxxxxxxxx.xxx xxxx://xxxx.xxxxxxxxxxxxx.xxx or by writing to: PO Box 2600, Wilmington, NC 28402. Upon modification of these Terms & Conditions, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of these Terms & Conditions. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified Terms & Conditions, however, you must immediately cancel your Program enrollment and cease using the My RewardsTM Debit Card. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. In terms of Points and Rewards that may be issued and/or redeemed in association with the Program and/or your use of a Program eligible debit card, you may only use Points for Rewards that are currently available. Certain Rewards may only be available for specific time periods. Fulfillment of Rewards, and participation in the Rewards program itself, is subject to the terms and conditions of the Rewards program that may be found at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website. Some of our Rewards may have additional terms and conditions specific to the particular Reward, including those from Third Party Benefit Providers. The detailed terms and conditions for a specific Reward are also available at a Terms and Conditions hyperlink found at the bottom of the Rewards Program Website or by written request sent to: PO Box 2600, Wilmington, NC 28402. When you use or redeem Points to receive Rewards, you release us and all of our affiliates from any and all liability for your use of Points, for your use of the Rewards, and for your participation in the Program. None of the group comprising us, Financial Institution, or the Third Party Benefit Providers is responsible for replacing lost, stolen or damaged Points vouchers, certificates, tickets or gift cards and we may refuse your request or attempt to use or redeem Points if My RewardsTM Debit Card or the associated Program eligible account is not in good standing. You are responsible for making sure you have the most current version of these Terms & Conditions at any time. We reserve the right to revise this Terms & Conditions document at any time. Upon modification, My RewardsTM will update the date indicated after “Last Revised and Effective Date” at the beginning of this document. Any modifications to these Terms & Conditions will only affect your and our respective rights and obligations from the “Last Revised and Effective Date” and thereafter. If you do not agree with the modified terms, however, you must immediately then cease using the My RewardsTM App and immediately cancel your Program enrollment. Your continued Program enrollment and use of the My RewardsTM Debit Card will serve as your continued agreement to the Terms & Conditions herein as modified. Further, these Terms and Conditions may be amended only by an electronic posting or communication originated by us as provided above, and not through any course of dealing or oral communications. Our acceptance, debit, or deposit of any payment made by you to us or notation on any document sent by you to us does not constitute an amendment of these Terms & Conditions by us.