REWARDS EARN GAS, GIFTS, GETAWAYS AND MORE!

CARDPERKS REWARDS EARN GAS, GIFTS, GETAWAYS AND MORE!

Welcome to CardPerks Rewards Every purchase run as credit with your debit card or made with your Gold, Platinum or Business credit card earns you perks. You don t even have to change your spending habits. So keep doing what you do, and we ll reward what you buy with what you deserve. Point Value Item Name Cruises 30,000 $350 Discount off any Cruise 55,000 $750 Discount off any Cruise 85,000 $1,500 Discount off any Cruise 125,000 Weekend Getaway Cruise Max of $3,500 150,000 One Week Cruise for Two Max of $3,000 175,000 One Week Cruise for Two Max of $3,500 200,000 One Week Cruise for Two Max of $4,000 Discounted Travel 10,000 $100 off any Airline Ticket 20,000 $200 off any Airline Ticket 30,000 $300 off any Airline Ticket Free Travel 18,000 Free Roundtrip ticket within contiguous 48 United States Max of $300 (21-day advance, Saturday night stay required) 20,000 Free Roundtrip ticket within contiguous 48 United States Max of $360 (21-day advance, Saturday night stay required) 25,000 Free Roundtrip ticket within contiguous 48 United States Max of $500 (21-day advance, Saturday night stay required) 35,000 Free Roundtrip ticket from contiguous 48 United States to Canada, Caribbean, or Mexico Max of $700 (21-day advance, Saturday night stay required) 40,000 Free Roundtrip ticket from Alaska or Hawaii to Canada, Caribbean, or Mexico Max of $800 (21-day advance, Saturday night stay required) 40,000 Free Roundtrip ticket from contiguous 48 United States to Alaska & Hawaii (OR from Hawaii or Alaska) Max of $800 (21-day advance, Saturday night stay required) 50,000 Free First Class Roundtrip ticket from contiguous 48 United States to Canada, Caribbean, or Mexico Max of $1,000 (No booking restrictions) 50,000 Free Roundtrip ticket from contiguous 48 United States to Canada, Caribbean, or Mexico Max of $1,000 (21-day advance, Saturday night stay required)

Free Travel (continued) 60,000 Free Roundtrip ticket within 50 States to South America Max of $1,200 (21-day advance, Saturday night stay required) 75,000 Free First Class Roundtrip ticket from 50 States to Europe OR 50 States to Asia/South Pacific Max of $1,500 (21-day advance, Saturday night stay required) 75,000 Free Roundtrip ticket from 50 States to Europe OR 50 states to Asia/South Pacific Max of $1,500 (21-day advance, Saturday night stay required) 80,000 Free Roundtrip ticket from 50 States to Africa/Middle East Max of $1,600 (21-day advance, Saturday night stay required) 85,000 Free Roundtrip ticket from 50 States to Australia or New Zealand Max of $1,700 (21-day advance, Saturday night stay required) 100,000 Free Roundtrip ticket from 50 States, Australia or New Zealand Max of $2,000 (No booking restrictions) 200,000 Free Roundtrip ticket Around the World Max of $4,000 (No booking restrictions) Hotel 3,000 $25 Fairmont Hotels & Resorts Gift Card 3,000 $25 Hyatt Check 5,000 $50 Fairmont Hotels & Resorts Gift Card 10,000 $100 Fairmont Hotels & Resorts Gift Card 10,000 $100 Hyatt Check 20,000 $200 Fairmont Hotels & Resorts Gift Card 20,000 $200 Hyatt Check 30,000 $300 Fairmont Hotels & Resorts Gift Card 30,000 $300 Hyatt Check 35,000 Fairmont Ovation Award Collection C Car Rental 4,000 $50 Avis Travel Voucher 4,000 $50 Budget Tour Voucher 8,000 $100 Avis Travel Voucher 8,000 $100 Budget Tour Voucher 12,800 Alamo Compact to Full-size Certificate 3 day 16,000 $200 Avis Travel Voucher 16,000 $200 Budget Tour Voucher 21,000 Alamo Compact to Full-size Certificate 7 day

Welcome to CardPerks Rewards Travel Services 0 Cruise booking, Airline ticket booking, Vacation package booking, Car rental booking (CardPerks will provide travel booking services at no cost to Members wishing to pay cash rather than redeem points; payment for tickets/rentals/ reservations must be made with the credit or debit card used to earn points.) Gasoline 5,000 $50 Chevron Gift Card 5,000 $50 ExxonMobil Gift Card 5,000 $50 Marathon Gift Card 5,000 $50 Shell Gift Card 5,000 $50 Speedway Gift Card 5,000 $50 Sunoco Gift Card 10,000 $100 Chevron Gift Card 10,000 $100 ExxonMobil Gift Card 10,000 $100 Marathon Gift Card 10,000 $100 Shell Gift Card 10,000 $100 Speedway Gift Card 10,000 $100 Sunoco Gift Card United Federal Credit Union Gift Cards 10,000 $100 United Federal Credit Union Visa Prepaid Card 20,000 $200 United Federal Credit Union Visa Prepaid Card 30,000 $300 United Federal Credit Union Visa Prepaid Card 50,000 $500 United Federal Credit Union Visa Prepaid Card Gift Cards and Certificates 3,000 $25 Darden Restaurants Gift Card 3,000 $25 Starbucks Gift Card 5,000 $50 Advance Auto Parts Gift Card 5,000 $50 Amazon.com Gift Card 5,000 $50 AMC Gift Card 5,000 $50 Applebee s Gift Card 5,000 $50 Barnes & Noble Gift Card 5,000 $50 Bass Pro Shops Gift Card 5,000 $50 Bath & Body Works Gift Card 5,000 $50 BED BATH & BEYOND Gift Card 5,000 $50 Best Buy Gift Card 5,000 $50 Brinker International Restaurants Gift Card

Gift Cards and Certificates (continued) 5,000 $50 Cabela s World s Foremost Outfitters 5,000 $50 Cracker Barrel Old Country Store Gift Card 5,000 $50 Crate and Barrel Gift Card 5,000 $50 CVS Gift Card 5,000 $50 Darden Restaurants Gift Card 5,000 $50 Dick s Sporting Goods Gift Card 5,000 $50 Dillard s Gift Card The Style of Your Life Everyday Gift Card 5,000 $50 Foot Locker Gift Card 5,000 $50 IHOP Gift Card 5,000 $50 itunes Gift Card 5,000 $50 J.C. Penney Gift Card - Every Day Matters. 5,000 $50 Kohl s Gift Card Expect Great Things. 5,000 $50 Lands End Gift Card 5,000 $50 Macy s Gift Card 5,000 $50 Meijer Gift Card 5,000 $50 Omaha Steaks Gift Card 5,000 $50 Options Gift Card 5,000 $50 Outback Steakhouse Gift Card 5,000 $50 Panera Card from Panera Bread 5,000 $50 Pier 1 Imports Gift Card 5,000 $50 Pottery Barn Gift Card 5,000 $50 Ruth s Chris Steakhouse Gift Card 5,000 $50 Sears Gift Card 5,000 $50 Sports Authority Gift Card 5,000 $50 Staples Gift Card 5,000 $50 Starbucks Gift Card 5,000 $50 T.G.I. Friday s Gift Card 5,000 $50 Target GiftCard 5,000 $50 Texas Roadhouse Gift Card 5,000 $50 The Cheesecake Factory Gift Card 5,000 $50 TJ Maxx Gift Card 5,000 $50 Toys R Us Gift Card 5,000 $50 Walgreens Gift Card 5,000 $50 Walmart Gift Card

Gift Cards and Certificates (continued) 5,000 Ultimate Premiere Movie Packs (2) 7,500 $75 Darden Restaurants Gift Card 7,500 $75 Options Gift Card 7,500 $75 The Home Depot Gift Card 10,000 $100 Advance Auto Parts Gift Card 10,000 $100 Amazon.com Gift Card 10,000 $100 Applebee s Gift Card 10,000 $100 Bass Pro Shops Gift Card 10,000 $100 BED BATH & BEYOND Gift Card 10,000 $100 Best Buy Gift Card 10,000 $100 Brinker International Restaurants Gift Card 10,000 $100 Cabela s World s Foremost Outfitters 10,000 $100 Crate and Barrel Gift Card 10,000 $100 Darden Restaurants Gift Card 10,000 $100 Dillard s Gift Card The Style of Your Life Everyday Gift Card 10,000 $100 J.C. Penney Gift Card Every Day Matters. 10,000 $100 Kohl s Gift Card Expect Great Things. 10,000 $100 Lands End Gift Card 10,000 $100 Lowe s Gift Card Let s Build Something Together 10,000 $100 Macy s Gift Card 10,000 $100 Meijer Gift Card 10,000 $100 Men s Wearhouse Gift Card 10,000 $100 Options Gift Card 10,000 $100 Outback Steakhouse Gift Card 10,000 $100 Pier 1 Imports Gift Card 10,000 $100 Pottery Barn Gift Card 10,000 $100 Ruth s Chris Steakhouse Gift Card 10,000 $100 Sears Gift Card 10,000 $100 Sports Authority Gift Card 10,000 $100 Staples Gift Card 10,000 $100 T.G.I. Friday s Gift Card 10,000 $100 Target GiftCard 10,000 $100 The Home Depot Gift Card 10,000 $100 TJ Maxx Gift Card

Gift Cards and Certificates (continued) 10,000 $100 Toys R Us Gift Card 10,000 $100 Walgreens Gift Card 10,000 $100 Walmart Gift Card 15,000 $150 BED BATH & BEYOND Gift Card 15,000 $150 Best Buy Gift Card 15,000 $150 Lands End Gift Card 15,000 $150 Lowe s Gift Card Let s Build Something Together 15,000 $150 Macy s Gift Card 15,000 $150 Options Gift Card 15,000 $150 Pier 1 Imports Gift Card 15,000 $150 Sports Authority Gift Card 15,000 $150 The Home Depot Gift Card 16,000 $200 Staples Gift Card 20,000 $200 Amazon.com Gift Card 20,000 $200 Bass Pro Shops Gift Card 20,000 $200 Best Buy Gift Card 20,000 $200 Cabela s World s Foremost Outfitters 20,000 $200 Dillard s Gift Card The Style of Your Life Everyday Gift Card 20,000 $200 J.C. Penney Gift Card Every Day Matters. 20,000 $200 Kohl s Gift Card Expect Great Things. 20,000 $200 Lands End Gift Card 20,000 $200 Lowe s Gift Card Let s Build Something Together 20,000 $200 Macy s Gift Card 20,000 $200 Options Gift Card 20,000 $200 Pier 1 Imports Gift Card 20,000 $200 Pottery Barn Gift Card 20,000 $200 Ruth s Chris Steakhouse Gift Card 20,000 $200 Saks Fifth Avenue Gift Card 20,000 $200 Sears Gift Card 20,000 $200 Target GiftCard 20,000 $200 The Home Depot Gift Card

HOW TO REDEEM It s easy to redeem rewards any time. Follow the simple steps below. 1 Log on to Online Banking and click the Services tab on the left sidebar. 2 3 Click on CardPerks Rewards and select the eligible account. Allow pop-ups so the CardPerks redemption portal can open in a new window. Browse the hundreds of reward options and redeem as many or as few points as you d like. It s that easy! You can also call 866-824-4552 with questions or to redeem your points with a representative. www.unitedfcu.com Federally insured by NCUA. Macy s is not a sponsor or co-sponsor of this program. Macy s Terms & Conditions apply to all cards. See back of card for details. The Macy s name and logo are registered trademarks of Macy s Inc. Darden Restaurants, Inc. owns or has a license to use the Olive Garden, LongHorn Steakhouse, Bahama Breeze, Seasons 52, Yard House and Red Lobster trademarks, and is not affiliated with UFCU. Use of the restaurant names, logos, or other trademarks requires prior written approval. 2014 Darden Concepts, Inc. Terms and conditions are applied to JCPenney gift cards and e-gift cards. Terms and conditions for JCPenney gift cards are listed on the back of the gift card and also at jcp.com. JCPenney is not a sponsor of this promotion and is not affiliated with UFCU. The JCP and JCPenney name and logo are registered trademarks of 2014 J.C. Penney Corporation, Inc. This promotion is not produced, sponsored, or executed by Best Buy. BEST BUY, the BEST BUY logo and the tag design are trademarks of Best Buy and its affiliated companies. 2014 Best Buy. All rights reserved. LOWE S and the GABLE MANSARD DESIGN are registered trademarks and service marks of LF, LLC. Lowe s is not affiliated with UFCU. Amazon - Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift Cards ( GCs ) cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods at Amazon.com or certain of its affiliated websites. For complete terms and conditions, see www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon, & are IP of Amazon.com, Inc. or its affiliates. No expiration date or service fees. All trademarks and service marks are property of their respective owners. Participating merchants are not sponsors of this program and are not affiliated with United Federal Credit Union. Additional terms and conditions may apply. See merchant for details. 102314-1-A