(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

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1 (Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) I. Description of the Program a) Unitus members with Prime Share Accounts ( Membership Accounts ) that include the Platinum credit card, Business Platinum credit card or Unitus Rewards checking sub-accounts are eligible for the Unitus Rewards program. Participating members will earn Unitus Rewards ( points ) for purchases of all eligible goods and services using the Unitus Platinum Rewards credit card ( credit card ), the Business Platinum Rewards credit card ( business credit card ) and the Unitus Rewards checking debit card ( debit card ). The cardholder s points will be accumulated at the rate of one point per dollar charged on the credit card, one point per two dollars charged on the business credit card and one point per three dollars charged on the debit card. Cardholders can check their earned points by visiting the credit union s website or by calling b) Accrual of points may begin on the date the credit card or debit card is activated. Unitus may choose to convert existing debit cards to participate in the rewards program; if they do so, accrual of points for the converted debit cards may begin on the date the Unitus Rewards checking account was first opened. c) Unitus Rewards program point earnings are based on the new net retail purchase transaction volume ( net purchases ) charged to the credit card or debit card during each periodic billing cycle ("billing cycle") by the cardholder(s). Points earned on purchases are rounded to the nearest point; points lost through credits, returns, or disallowed transactions are rounded to the nearest point and subtracted from the points earned on purchases. The resulting total is then rounded to the nearest point to arrive at the points earned ( net points ). If a transaction is subject to a billing dispute, the point value of the disputed transaction will be deducted from the points total during the dispute period. If the transaction is reinstated, points will be reinstated. Unitus Rewards checking accountholders that participate in our check protect or overdraft protection programs will receive points for any purchases made using funds provided through those programs. However, Unitus reserves the right to deduct an equivalent number of reward points so earned if you fail to promptly deposit additional funds into any Unitus account as required by the check protect or overdraft protection programs. d) Points earned within a single membership account are combined within that membership account. Points earned under different membership accounts cannot be added together otherwise transferred from one membership account to another. e) Points may not be combined with any other loyalty/frequency award program that may be offered by Unitus from time to time. f) Points will not be earned or accumulated for the following credit card transactions: balance transfers, cash advances, convenience checks, traveler s check purchases, finance charges, late fees, annual fees, over-limit fees or transaction fees. Points will not be earned or accumulated for the following debit card transactions: PIN based transactions, cash advances, cash withdrawals; cash back transactions, or transaction fees. At the credit union s option, after providing notice as required by law, additional exclusions may be included.

2 g) Maximum accumulation of points for the Platinum Rewards card is 10,000 per month, not to exceed 120,000 in any consecutive 12-month period, starting the month the account was added to the Unitus Rewards program. Maximum accumulation of points for the business credit card is 20,000 per month, not to exceed 240,000 in any consecutive 12-month period, starting the month the account was added to the Unitus Rewards program. Maximum accumulation of points for the debit card is 5,000 per month, not to exceed 60,000 in any consecutive 12-month period, starting the month the account was added to the Unitus Rewards program. h) Unitus Community Credit Union reserves the right to award bonus points to selected cardholders. i) Points are not the property of the cardholder, and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter). j) Points are tracked and redeemable on a first-in, first-out basis. Points will expire three (3) years from the date of issuance. k) To redeem points, cardholder s membership account must have at least one open rewards program sub-account (Platinum Rewards credit card, Business Platinum Rewards credit card or Unitus Rewards checking account) that is not closed, canceled or terminated for any reason. If the only sub-account is a credit card account it must be current (meaning there are no past-due balances on the credit card at the time of redemption request); cardholder s outstanding balance on the credit card must not be over the credit limit; and the credit card must not have a revoked, charged-off or bankruptcy status or any other status preventing credit authorizations. If the only open sub-account is a debit card account, it must either contain sufficient funds to cover all outstanding transactions or participate in the credit protection or overdraft protection programs. Please note that voluntary or involuntary closure of a Platinum Rewards credit card or Unitus Rewards checking account results in automatic forfeiture of all accumulated points on that card. l) The cardholder agrees to release Unitus Community Credit Union, the administrator, and its vendors from all liability for any injury, accident, loss, claim, expense or damages sustained by the cardholder, associated with reward or use of rewards while participating in this program and in the case of a travel reward, anyone traveling with or without the cardholder, in connection with the receipt, ownership, or use of any reward. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward. m) The cardholder is responsible for determining any tax liability or tax advantages arising from participation in the program. Consult a tax advisor concerning tax consequences. n) Unitus Community Credit Union and the administrator shall have no liability for disagreements between joint cardholders regarding points. Discrepancies about point earnings are not treated as card disputes. Unitus Community Credit Union s decisions regarding point discrepancies shall be final. Redeemed points are deducted from the cardholder s point balance as of the request date of a reward.

3 o) Points can only be redeemed based on the points available at the time the redemption request is received. Members can check their points available through the uonline service. p) Points cannot be offset against the cardholder s obligation to Unitus Community Credit Union. q) Points must be redeemed by the owner or joint owner of the membership account. r) Unitus Rewards is void where prohibited by federal, state, or local law. s) Unitus Community Credit Union and the administrator are not responsible for typographical errors and/or omissions in any program document. t) Unitus Community Credit Union reserves the right to change the terms and conditions of the Unitus Rewards program after providing notice as required by law, if applicable. At Unitus Community Credit Union s option, redemption of points may be restricted, limited, expired or cancelled at any time without prior notice as described below. u) The Unitus Rewards program is a service provided through Consumer Benefit Services, Inc., ( administrator ) and Unitus Community Credit Union ( Unitus ). Unitus reserves the right to disqualify any cardholder, terminate their participation in the Unitus Rewards program, and invalidate all earned points for fraud, abuse of program privileges or any violation of the program terms and conditions (including any attempt to sell, exchange or transfer points or any instrument exchangeable for points), Unitus has sole discretion to make the determination that fraud, abuse of program privileges, or violation of program terms and conditions have been attempted or have occurred. v) Eligibility in the program is restricted to individuals who have a billing address within the 50 United States or the District of Columbia. II. Travel Rewards Redemption Call the administrator s travel redemption center or visit the reward website for all your travel needs. They are a full service agency that can assist you with air rewards, hotel, auto, vacation and cruise reservations. a) All travel must be redeemed through administrator s fully licensed redemption reservation center. Cardholders must have a valid Unitus Platinum Rewards credit card ( credit card ), Business Platinum Rewards credit card ( business credit card ) or Unitus Rewards checking debit card ( debit card ) at the time of redemption. b) All airline tickets issued in exchange for points are non-refundable and nonchangeable after ticket issuance, without paying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to addcollects and fees charged by the airline and redemption center. c) Lost, stolen or otherwise destroyed airline tickets will not be replaced, without the cardholder paying the standard fees charged by each airline. d) Cardholders may make additional travel reservations with the administrator s travel agency using your credit card or debit card.

4 e) Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or the same day the ticket is issued. The cardholder must call in any corrections or discrepancies by 9:00pm CST Monday through Friday and by 5:00pm CST on Saturday and 2:00pm CST on Sunday. The cardholder must also call in during the hours listed above if the or fax is not received the same day the ticket is ordered. Any changes or corrections done the following day or there after are subject to all airline airfare charges, exchange fees and processing fees and processing charges. f) Paper airline tickets are subject to the individual airline paper ticket fees. g) If a paper ticket is issued, the cardholder has two options for delivery. They can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a shipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the 48 contiguous states, deliveries will be subject to additional shipping charges. h) The cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the Unitus Rewards program. i) Administrator s normal and customary fees associated with processing travel related services are billed to the cardholder s credit card (or debit card, if the credit card does not have sufficient available credit or the membership account does not have a Platinum Rewards credit card or Business Platinum Rewards credit card). j) Unitus Community Credit Union and Consumer Benefit Services, Inc. are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes brought down by this industry are done quickly and without notice, therefore, reward redemption rules for air travel are subject to change without notice. k) Specific restrictions may apply to certain travel rewards. l) A valid government ID must be presented at the airport and it must match the traveler s complete name as listed on the airline ticket. m) Travel insurance: For added protection, it is highly recommended that all travelers consider purchasing travel insurance at the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, baggage delays and lost baggage, medical expense, emergency medical transportation, and vehicle rental collision insurance. Airline Tickets Cardholders may redeem points for a single lowest published airfare as follows: 1. Each free ticket must be ordered through administrator for one round trip coach class airline ticket on a scheduled U.S. or international carrier. 2. All free tickets must be for round-trip travel on the same airlines or Code Share airline. 3. En-route stopovers are not permitted unless they are to make direct connections. 4. Reservations for tickets also exclude the usage of charters.

5 5. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met. 6. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler. 7. Administrator reserves the right to choose a major airline of their choice on which to reserve and ticket cardholders for free tickets. 8. The travel agency has the right to book your reservation within 2 hours of your requested travel times for departures and returns. III. Merchandise Rewards Redemption a) When necessary, the administrator may substitute a reward with an updated model of equal or greater value without advance notice. Cardholders will be notified of any change when ordering. The administrator may remove certain items and may replace or remove certain sections within any Unitus Rewards program literature or website. All rewards are subject to availability. b) Merchandise rewards will take four to six weeks to arrive from the time of order. Multiple rewards may arrive at different times from different vendors. c) No shipments of merchandise rewards can be made to APO/FPO or PO Box addresses. d) Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands may have an additional freight charge billed to the cardholder s credit card (or debit card, if the credit card does not have sufficient available credit or the membership account does not have a Platinum Rewards credit card or Business Platinum Rewards credit card). e) Merchandise pictured in any Unitus Rewards program catalog or website may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturers updates. Information is accurate to the very best of our knowledge. Unitus Community Credit Union and the administrator are not responsible for errors or omissions. f) Points required for award items are subject to change. g) Cardholders may exchange merchandise only in the event of merchandise defects or damage in shipment. Any exceptions, damages, or shortages must be noted on the delivery receipt before cardholders sign to accept shipment of merchandise. h) All merchandise is covered by manufacturer s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product. IV. Gift Card Reward Redemption a) Points can be redeemed for gift cards from select merchants. Most gift cards are delivered within 7-10 business days to the address on file with the administrator as long as it is within the United States. b) Lost, stolen, destroyed, or expired gift cards are not replaceable. Gift cards cannot be returned, changed, or exchanged and are not redeemable for cash or credit. c) Cardholders have 30 days from the date a reward is shipped to report an undelivered gift card by calling the administrator s customer service center.

6 d) All sales/use taxes and shipping and handling charges of items purchased using a gift card are the responsibility of the cardholder and are subject to the merchants policies in effect at the time of redemption. Purchases in excess of the amount of the gift cards are at the cardholder s expense. e) Gift cards may also be subject to other restrictions imposed by the merchant. Gift cards purchased to provide services are subject to the terms and conditions of the vendor providing the services. f) Additional terms and conditions may be specified on the gift card. V. Cash Back Rewards a) Points required for cash back rewards are subject to change without notice. b) Cash back rewards will be posted to the cardholder s Unitus savings account within 30 days of point redemption. VI. Interest Rate and Principal Balance Reductions on Unitus Loans a) Points required for interest rate and principal balance reductions are subject to change without notice. b) Interest rate and principal balance reductions will become effective within 30 days of point redemption. c) Unitus Community Credit Union reserves the right to add or remove eligible loans from qualifying for interest rate or principal balance reductions at any time and without prior notice. d) Interest rate reductions. The following Unitus fixed rate loan types currently qualify for interest rate reductions: auto loans, adventure loans, boat loans, recreational vehicle loans, and personal loans. Real estate secured loans, variable rate loans and credit lines, student loans, certificate-secured loans, share-secured Loans, and advance loans do not quality for interest rate reductions under this program. The remaining loan term (number of payments remaining) at the time of the point redemption cannot exceed 72 months. The maximum principal loan balance at the time of point redemption cannot exceed $25,000. Monthly payments are adjusted to reflect the reduced interest rate. Cardholder is responsible for updating any automatic payments. e) Principal balance reductions. All Unitus loan types qualify for principal balance reductions. To qualify for a principal balance reduction, a regular principal and interest payment must have been made towards the loan within the last 30 days and the loan must be current, with no past due amount. Regardless of the principal payment amount, monthly loan payments will not be reduced and the due date will not be advanced. Revised 11/11

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