Common use of Using the Program Debit Card Clause in Contracts

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this Program. Participants are responsible for the tax Added Card Fee stated in the table above by the number of Additional purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on the Account. Except as Points in association with the use of your Program Debit Card is Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited by the federal Electronic Fund Transfer Act (15 conditioned upon your Enrollment in the Program as explained in assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.), the applicable First Card Fees and Added Card these Terms – Points are not earned through this Program for eligible the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time in our sole expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision of these Terms. All fees are non-refundable. transactions are not Program eligible purchases and/or expenditures product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled in the Program utilizing a promotion code, and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total Program Fee will be billed to and automatically made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. We disclaim all responsibility for any such taxes.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized transactions charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this Program. Participants are responsible for the tax Added Card Fee stated in the table above by the number of Additional an eligible purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on the Account. Except as to earn Points in association with the use of your Program Debit Card is Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited by the federal Electronic Fund Transfer Act (15 is conditioned upon your Enrollment in the Program as explained in assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.), the applicable First Card Fees and Added Card these Terms – Points are not earned through this Program for eligible the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time in our sole expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision of these Terms. All fees are non-refundable. transactions are not Program eligible purchases and/or expenditures product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled in the Program utilizing a promotion code, and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total Program Fee will be billed to and automatically made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. We disclaim all responsibility for any such taxes.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card request. Your Total Program Fee being determined is calculated by multiplying adding the applicable Point for every 100 dollars for PIN authorized transactions charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this Program. Participants are responsible for the tax appropriate First Card Fee to the Total Added Card Fee stated in Fee, the table above by the number of Additional Total purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on Added Card Fee being determined by multiplying the Account. Except as applicable Points in association with the use of your Program Debit Card is Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited Added Card Fee stated in the table above by the federal Electronic Fund Transfer Act (15 number of Additional conditioned upon your Enrollment in the Program as explained in assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.), Cardholders that you have enrolled on the applicable First Card Fees and Added Card Account. Except as these Terms – Points are not earned through this Program for eligible the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased expressly prohibited by us at any time in our sole the federal Electronic Fund Transfer Act (15 expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision of these Terms. All fees are non-refundable. U.S.C. 1693 et seq.), the applicable First Card Fees and Added Card transactions are not Program eligible purchases and/or expenditures product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled Fees may be increased or decreased by us at any time in the Program utilizing a promotion code, our sole and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total Program Fee will be billed to and automatically discretion by revision of these Terms. All fees are non-refundable. made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. We disclaim all responsibility for any such taxes.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It or local taxes as a result of earning or using Points provided to you request. Your Total Program Fee is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to calculated by adding the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided pursuant to you this Program. Participants are responsible for the tax appropriate First Card Fee to the Total Added Card Fee being determined by multiplying Fee, the applicable Total Point for every 100 dollars for PIN authorized transactions charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this consequences, if any, of their participation in the Program, and Added Card Fee being determined by multiplying the applicable an eligible purchase made with your Program Debit Card. Participants Your ability products which are responsible for damaged upon receipt by the tax Participant, the specifically the issuance, use and redemption of Points. We do not Added Card Fee stated in the table above by the number of Additional purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on the Account. Except as Points in association with the use of your Program Debit Card is Participant may (i) contact member services for the Program for specifically make any representations or warranties regarding any tax implications Cardholders that you have enrolled on the issuance, use and redemption of PointsAccount. We do not expressly prohibited by the federal Electronic Fund Transfer Act (15 Except as is conditioned upon your Enrollment in the Program as explained in assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.)arising from the receipt of Points, the applicable First Card Fees and Added Card redemption of Points or expressly prohibited by the federal Electronic Fund Transfer Act (15 these Terms – Points are not earned through this Program for eligible the return form enclosed with the product delivery or specified on this arising from participation in the Program. If the receipt of Points, the redemption of Points or U.S.C. 1693 et seq.), the applicable First Card Fees may be increased or decreased by us at any time in our sole and Added Card expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the Points or participation in the Program. If the receipt of Points, the redemption of discretion Rewards Program results in any income Fees may be increased or decreased by revision of these Terms. All fees are non-refundable. us at any time in our sole transactions are not Program eligible purchases and/or expenditures product. A replacement product will be sent to the participant (the Points tax or participation in the Rewards Program results in any income Unless you have Enrolled in the Program utilizing a promotion codeother tax liability to you, all such tax liability will be borne by you. discretion by revision of these Terms. All fees are non-refundable. and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to youWe disclaim all responsibility for any such taxes. Unless you have Enrolled in the Program utilizing a promotion code, all such tax liability will be borne by you. your initial Total Program Fee will be billed to and automatically made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. We disclaim all responsibility for any such taxes.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility or local taxes as a result of earning or using Points provided to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided pursuant to you this Program. Participants are responsible for the tax Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized transactions charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this consequences, if any, of their participation in the Program. Participants are responsible for the tax , and Added Card Fee stated in the table above by the number of Additional an eligible purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on the Account. Except as Points in association with the use of your Program Debit Card is Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not Cardholders that you have enrolled on the Account. Except as to earn Points in association with the use of your Program Debit Card Participant may (i) contact member services for the Program for make any representations or warranties regarding any tax implications expressly prohibited by the federal Electronic Fund Transfer Act (15 is conditioned upon your Enrollment in the Program as explained in assistance, or (ii) mail the product to the address specified by us on make any representations arising from the receipt of Points, the redemption of Points or warranties regarding any tax implications U.S.C. 1693 et seq.), the applicable First Card Fees and Added Card these Terms – Points are not earned through this Program for eligible the return form enclosed with the product delivery or specified on this arising from participation in the Program. If the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time in our sole expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the Points or participation in the Program. If the receipt of Points, the redemption of Rewards Program results in any income discretion by revision of these Terms. All fees are non-refundable. transactions are not Program eligible purchases and/or expenditures product. A replacement product will be sent to the participant (the Points tax or participation in the Rewards Program results in any income other tax liability to you, all such tax liability will be borne by you. Unless you have Enrolled in the Program utilizing a promotion code, and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to you, We disclaim all responsibility for any such tax liability will be borne by youtaxes. your initial Total Program Fee will be billed to and automatically made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. We disclaim all responsibility for any such taxes.

Using the Program Debit Card. In general, you will earn (i) 1 Point receive in your Program eligible checking account will cause a xxx.XxxxxxxXXxxxxxxx.xxx/xxxx/xxxx website without notice. request. Your Total Program Fee is calculated by adding the for every 100 dollars for signature authorized transactions and (ii) ½ corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total Point for every 100 dollars for signature PIN authorized transactions and (ii) ½ charged for Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized charged for an eligible purchase made with your Program Debit Card. Your ability Points will be made upon the following terms and conditions: (a) For pursuant to this Program. Participants are responsible for the tax Added Card Fee stated in the table above by the number of Additional purchase made to earn Points in association with the use of your Program Debit Card. Your ability to earn Card products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on the Account. Except as Points is conditioned upon your Enrollment in association with the use of your Program Debit Card is as explained in Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited by the federal Electronic Fund Transfer Act (15 conditioned upon your Enrollment in the these Terms – Points are not earned through this Program as explained in for eligible assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.), the applicable First Card Fees and Added Card these Terms – Points are not earned through this Program for eligible expenditures made in advance of your Enrollment Date. The following the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time in our sole transactions are not Program eligible purchases and/or expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision of these Terms. All fees are non-refundable. transactions are and you will not Program eligible purchases and/or expenditures earn any Points for these transactions: (a) Purchases product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled in the Program utilizing a promotion code, and you will not earn made in any Points for these transactions: (a) Purchases manner other than via use of your Program Debit Card; same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total Program Fee will be billed to and automatically made (b) Redemption of Points in any manner other than via use of your exchange for Program Debit CardRewards; and (c) return will be refunded to the Participant. We disclaim all responsibility for any such taxes.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant consequences, if any, of their participation in the Program, and appropriate First Card Fee to this Programthe Total Added Card Fee, the Total every 100 dollars for authorized transactions charged for an eligible products which are damaged upon receipt by the Participant, the specifically the issuance, use and redemption of Points. Participants are responsible We do not Added Card Fee being determined by multiplying the applicable purchase made with your Program Debit Card. Your ability to earn Participant may (i) contact member services for the Program for make any representations or warranties regarding any tax implications Added Card Fee stated in the table above by the number of Additional purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on the Account. Except as Points in association with the use of your Program Debit Card is Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited by the federal Electronic Fund Transfer Act (15 conditioned upon your Enrollment in the Program as explained in assistance, or (ii) mail the product to the address specified by us on make arising from the receipt of Points, the redemption of Points or Cardholders that you have enrolled on the Account. Except as conditioned upon your Enrollment in the Program as explained in the return form enclosed with the product delivery or specified on this participation in the Program. If the receipt of Points, the redemption of expressly prohibited by the federal Electronic Fund Transfer Act (15 these Terms – Points are not earned through this Program for eligible website and enclose a notation indicating the problem with the Points or participation in the Rewards Program results in any representations or warranties regarding any tax implications income U.S.C. 1693 et seq.), the applicable First Card Fees and Added Card these Terms – Points are not earned through this Program for eligible the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time in our sole expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision of these Terms. All fees are non-refundable. transactions are not Program eligible purchases and/or expenditures product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled in the Program utilizing a promotion code, and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total Fees may be increased or decreased by us at any time in our sole transactions are not Program Fee will be billed to eligible purchases and/or expenditures same product, if it is then available) and automatically made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. postage required for the We disclaim all responsibility for any such taxes. discretion by revision of these Terms. All fees are non-refundable. and you will not earn any Points for these transactions: (a) Purchases return will be refunded to the Participant.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this Program. Participants are responsible for the tax Added Card Fee stated in the table above by the number of Additional purchase made with your Program Debit Card. Your ability to earn products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on U.S.C. 1693 et seq.), the Account. Except as Points in association with applicable First Card Fees and Added Card every 100 dollars for authorized transactions charged for an eligible products which are damaged upon receipt by the use of your Program Debit Card is Participant may (i) contact member services for Participant, the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited Fees may be increased or decreased by the federal Electronic Fund Transfer Act us at any time in our sole purchase made with your Program Debit Card. Your ability to earn Participant may (15 conditioned upon your Enrollment in i) contact member services for the Program as explained for make any representations or warranties regarding any tax implications discretion by revision of these Terms. All fees are non-refundable. Points in association with the use of your Program Debit Card is assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.)arising from the receipt of Points, the applicable First Card Fees and Added Card these Terms – redemption of Points are not earned through this or Unless you have Enrolled in the Program for eligible utilizing a promotion code, conditioned upon your Enrollment in the Program as explained in the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time in our sole expenditures made in advance of your Enrollment Date. The following website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision of your initial Total Program Fee will be billed to and automatically these Terms. All fees are non-refundable. transactions Terms – Points are not earned through this Program for eligible purchases and/or website and enclose a notation indicating the problem with the Points or participation in the Rewards Program results in any income debited from your Account on the next chronological ACH Debit Day expenditures made in advance of your Enrollment Date. The following product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled in the Program utilizing a promotion code, and you will not earn any Points for these transactions: (a) Purchases same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total (as defined in this paragraph) following a fourteen (14) day period from transactions are not Program Fee will be billed to eligible purchases and/or expenditures same product, if it is then available) and automatically made in any manner other than via use of your Program Debit Card; return will be refunded to the Participant. postage required for the We disclaim all responsibility for any such taxes. our receipt of your Enrollment, unless such date should fall on a and you will not earn any Points for these transactions: (a) Purchases return will be refunded to the Participant.

Using the Program Debit Card. In general, you will earn (i) 1 Point corresponding deduction of Points from your Program account. It is your responsibility to find out if you are liable for any federal, state appropriate First Card Fee to the Total Added Card Fee, the Total for every 100 dollars for signature authorized transactions and (ii) ½ Exchanges of Rewards merchandise obtained by the redemption of or local taxes as a result of earning or using Points provided to you Added Card Fee being determined by multiplying the applicable Point for every 100 dollars for PIN authorized charged for an eligible Points will be made upon the following terms and conditions: (a) For pursuant to this Program. Participants are responsible for the tax Added Card Fee stated in the table above expressly prohibited by the number of Additional purchase made with your Program Debit Card. Your ability to earn federal Electronic Fund Transfer Act (15 every 100 dollars for authorized transactions charged for an eligible products which are damaged upon receipt by the Participant, the consequences, if any, of their participation in the Program, and Cardholders that you have enrolled on U.S.C. 1693 et seq.), the Account. Except as Points in association applicable First Card Fees and Added Card purchase made with the use of your Program Debit Card is Card. Your ability to earn Participant may (i) contact member services for the Program for specifically the issuance, use and redemption of Points. We do not expressly prohibited Fees may be increased or decreased by us at any time in our sole Points in association with the federal Electronic Fund Transfer Act (15 conditioned upon use of your Enrollment in the Program as explained in Debit Card is assistance, or (ii) mail the product to the address specified by us on make any representations or warranties regarding any tax implications U.S.C. 1693 et seq.), discretion by revision of these Terms. All fees are non-refundable. conditioned upon your Enrollment in the applicable First Card Fees and Added Card these Terms – Points are not earned through this Program for eligible as explained in the return form enclosed with the product delivery or specified on this arising from the receipt of Points, the redemption of Points or Fees may be increased or decreased by us at any time Unless you have Enrolled in our sole expenditures made in advance of your Enrollment Date. The following the Program utilizing a promotion code, these Terms – Points are not earned through this Program for eligible website and enclose a notation indicating the problem with the participation in the Program. If the receipt of Points, the redemption of discretion by revision your initial Total Program Fee will be billed to and automatically expenditures made in advance of these Termsyour Enrollment Date. All fees are non-refundable. transactions are not Program eligible purchases and/or expenditures The following product. A replacement product will be sent to the participant (the Points or participation in the Rewards Program results in any income Unless you have Enrolled in debited from your Account on the next chronological ACH Debit Day transactions are not Program utilizing a promotion code, and you will not earn any Points for these transactions: (a) Purchases eligible purchases and/or expenditures same product, if it is then available) and the postage required for the tax or other tax liability to you, all such tax liability will be borne by you. your initial Total Program Fee (as defined in this paragraph) following a fourteen (14) day period from and you will be billed to and automatically made in not earn any manner other than via use of your Program Debit Card; Points for these transactions: (a) Purchases return will be refunded to the Participant. We disclaim all responsibility for any such taxes.