b'DATCU REWARD MASTERCARD\xc2\xae\nAGREEMENT AND DISCLOSURE\n(Effective 04/01/2021)\nNOTICE: Read and retain this MasterCard\xc2\xae Agreement for future reference. This is the MasterCard\xc2\xae Agreement and Truth-in-Lending Disclosures for all\nDATCU MasterCard\xc2\xae Credit Cards.\nDEFINITIONS:\nIn this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs an application for a Card or uses the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d mean DATCU.\n\xe2\x80\x9cThe Card\xe2\x80\x9d means any credit card issued to you or those designated by you under the terms of this Agreement.\n\xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you, or by someone authorized by you, to make a purchase or obtain a cash advance whether or not the\npurchase or advance is evidenced by a signed written document.\n\xe2\x80\x9cUnauthorized use of the Card\xe2\x80\x9d means the use of the Card by someone other than you who does not have actual, implied, or apparent authority for such\nuse, and from which you receive no benefit.\nISSUANCE OF CREDIT CARD: If your application is approved, the Credit Union may, at its discretion, establish a MasterCard\xc2\xae account in your name\nand cause one or more cards to be issued to you or those designated by you. In such event, you authorize the Credit Union or its designee to pay for your\naccount all items reflecting credit purchases made, balance transfers, cash advances obtained, or other credit extended through use of the Card.\nCONVENIENCE CHECKS: The Credit Union may, at its discretion, issue checks to you that may be used for any purpose other than making a payment\nfor credit to your account. Any check written by you will be considered a cash advance, even if it is used to make a purchase. By signing such checks, you\nauthorize us to pay the item for the amount indicated and return any item that would cause the outstanding balance in your account to exceed your credit\nlimit.\nSTOP PAYMENT ORDERS: You agree that our rules for stopping payment on ordinary checks apply to stopping payment on your Convenience Checks.\nIf you ask us to stop payment or renew a stop payment order, you will be charged our standard stop payment fee as set forth on our Truth in Savings Fee\nSchedule for each order or renewal of an order.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to use your account, you will be liable for all credit extended to such persons. You promise\nto pay for all purchases, balance transfers, and advances made by anyone you authorize to use your account, whether or not you notify us that the person\nyou authorize will be using it. If you authorize someone else to use your account and you want to end that person\xe2\x80\x99s privilege, you must notify us in writing\nand, if that person has a Card, you must return that Card with your written notice for it to be effective.\nCREDIT LIMITS: You promise that payments made for your account resulting from use of the Card or your Convenience Checks will, at no time, cause\nthe outstanding balance in your account to exceed your credit limit as established by us or as adjusted from time to time at our discretion. Cash advances\nare limited to 50% of your credit limit. If you exceed your credit limit, we can still charge you for all purchases and advances without giving up any of our\nrights. If you write a Convenience Check which causes you to exceed your credit limit, we are under no obligation to pay such check, and it may be\nreturned to the payee unpaid at our option.\nPROMISE TO PAY: You promise to pay the Credit Union or its designee and be liable for all advances, balance transfers, purchases, and other credit\nextended under this Agreement made by your or anyone whom you authorize to use the Card or Account together with any INTEREST CHARGES as set\nforth below.\nINTEREST CHARGES: At the end of each billing cycle for which you have a balance or a transaction on your account, you will be furnished with a periodic\nstatement showing, among other things, the \xe2\x80\x9cprevious balance\xe2\x80\x9d (the outstanding balance in the account at the beginning of the billing cycle), the amount\nof all purchases, balance transfers, advances, and INTEREST CHARGES, and other charges or fees posted to your account during the billing cycle, and\nthe amount of all payments and credits posted to your account during the billing cycle, and the balance owed as of the end of the billing cycle. The balance\nowed will be designated as the \xe2\x80\x9cNew Balance\xe2\x80\x9d on the periodic statement.\nPAYMENT DUE DATE: You agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the front of the periodic statement, at your option, either (a) the\nentire New Balance or (b) a minimum payment equal to an amount which is equal to the greater of $25 or 2% of the New Balance plus any amount in\nexcess of the credit limit established by us and any past due minimum payments. If any New Balance is $25.00 or less, you agree to pay it in full. You may\nmake extra payments in advance of the due date without penalty, and you may repay any funds advanced, credit extended, or amount outstanding at any\ntime without penalty for early payment. Regardless of the amount of any extra payments during a given month, a monthly payment will be required the\nfollowing month if a balance remains on your account.\nCOST OF CREDIT: You will pay an INTEREST CHARGE for all advances made against your account. Cash advances and balance transfers will incur an\nINTEREST CHARGE from the date they are posted to your account. New purchases will not incur an INTEREST CHARGE on the date they are posted\nto your account and will have a 25-day grace period if you have paid the account in full by the Payment Due Date shown on your previous monthly\nstatement or if there was no previous balance. Late fees, Return Check Service Charges, and third-party ATM surcharges will be added to the balance of\nyour account and treated as new purchases. Except for cash advances and balance transfers, no additional INTEREST CHARGE will be incurred whenever\nyou pay the account in full prior to the Payment Due Date.\nVARIABLE RATE: The periodic rate used to compute the INTEREST CHARGE for purchases, balance transfers, and cash advances (the \xe2\x80\x9cStandard\nRate\xe2\x80\x9d) is variable and may increase. The variable rate is based on an index (the \xe2\x80\x9cIndex\xe2\x80\x9d) which is the Prime Rate as published in the Money Rates section\nof The Wall Street Journal on the last business day of the month and is subject to change monthly. Any change in the Index will be effective on the first\nday of the billing cycle following the date of change. An increase in the Index will result in an increase in the periodic rate, which in turn, may result in\nhigher payments. For all advances, the Daily Periodic Rate will never be greater than a Daily Periodic Rate of 0.049288%, which corresponds to an\nANNUAL PERCENTAGE RATE of 17.99%. There is a minimum INTEREST CHARGE of $1 for each statement period in which an INTEREST CHARGE\nis due. The ANNUAL PERCENTAGE RATE for purchases, balance transfers, and cash advances will be the Index plus the Purchases Base Rate set forth\nin the Additional Disclosure. The initial Daily Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for purchases, which are accurate within\n30 days of the time this Agreement is provided to you, are set forth in the Additional Disclosure. In addition to the variable-rate aspects of your account,\nthe ANNUAL PERCENTGE RATE for purchases is also based on certain creditworthiness criteria. A portion of the INTEREST CHARGE is figured by\napplying the applicable Daily Periodic Rate to the Average Daily Balance of your account for each feature category, including certain current transactions.\nFeature categories include purchases, balance transfers, and cash advances.\nAVERAGE DAILY BALANCE: The Average Daily Balance is arrived at by taking the beginning balance of each feature category each day and adding\nany new transactions to the balance, except if you have paid your account in full by the Payment Due Date shown on the previous monthly statement or\nPage 1 of 4\n\n\x0cDATCU REWARD MASTERCARD\xc2\xae\nAGREEMENT AND DISCLOSURE\n(Effective 04/01/2021)\nthere is no previous balance, new purchases are not added to their respective feature category balances. When determining balances, we may combine\nfeature category balances that have the same periodic rate and other interest charge terms. We then subtract any payments or credits and unpaid\nINTEREST CHARGES allocated to the feature category balance for the day. This gives us the daily balance for the feature category. The daily balances\nfor each feature category are then added together and divided by the number of days in the billing cycle. The result is the Average Daily Balance for each\nfeature category. The periodic INTEREST CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in\nthe billing cycle and applying the applicable Daily Periodic Rate to the product. The Total INTEREST CHARGE for each statement period is the sum of\nthe periodic INTEREST CHARGES for each feature category plus any non-periodic INTEREST CHARGES.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of your Card. If you notice the loss or theft of your Card or a possible\nunauthorized use of your Card, you should\nCall us immediately at:\n(940) 387-8585 or Toll Free (866) 387-8585\nYou may also write us at:\nDATCU\nAttn: Credit Card Department\nP.O. Box 827\nDenton, TX 76202-0827\nAlthough you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best way to keep your possible\nlosses down. Under MasterCard\xe2\x80\x99s zero liability policy, the Cardholder will not be liable for any unauthorized transaction if the Cardholder has exercised\nreasonable care in safeguarding the Card from risk of loss or theft and, upon becoming aware of such loss or theft, promptly reports the loss or theft to\nDATCU. You will not be liable for any unauthorized use that occurs after you notify us.\nYou may however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00.\nCREDITING OF PAYMENTS: We do not charge for payments you make by regular mail service or other standard payment methods we have approved.\nIf we charge a fee for any expedited payment service we offer, that fee will be disclosed to you at the time you request the service. All payments made on\nyour Account at the address designated for payment on the monthly periodic statement will be credited to your Account on the date of the receipt. If the\ndate of receipt is not a business day, your payment will be credited on the first business day following receipt. All minimum payments required for your\naccount will be applied first to any collection costs due, then to any INTEREST CHARGE and other fees, and then to the unpaid principal balance in our\ndiscretion. Payments received in excess of the minimum required payment will be applied first to the balance with the highest interest rate. Interest paid\nor agreed to be paid shall not exceed the maximum amount permissible under the applicable law, and in any contingency whatsoever, if we shall receive\nanything of value deemed interest under applicable law which would exceed the maximum amount permissible under applicable law, the excessive interest\nshall be applied to the reduction of the unpaid principal amount or refunded to you.\nLATE PAYMENTS: Any payment that delays the reduction of your balance will increase your total interest cost. We may accept late payments, partial\npayments, checks, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or may delay enforcing any of our rights without forfeiting them and such action on our part\nshall not constitute a waiver of our rights.\nLATE CHARGE: If a payment is ten days or more in arrears, you will be charged a late charge of $25.\nRETURN CHECK SERVICE CHARGES: If you make a payment on your account by ordinary check or otherwise and the check or payment is returned to\nthe payee unpaid, or if you write a Convenience Check which causes you to exceed your credit limit or is otherwise returned to the payee unpaid, you will\nbe charged a Returned Check Fee of $25.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH\nUS NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU MAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN\nEXTENSIONS OF CREDIT UNDER THIS AGREEMENT. Shares and deposits in an Individual Retirement Account or any other account that would lose\nspecial tax treatment under state or federal law if given as security are not subject to the security interest you are giving.\nADDITIONAL SECURITY: If you have other loans with us, now or in the future, collateral securing those loans may also secure your obligations under\nthis Agreement. You understand that you should read any security agreement you sign in order to determine if the collateral also secures your obligations\nunder this Agreement and any other agreements you have with us.\nYOUR RESPONSIBILITY: You promise to notify us of any change in your name, address, or employment. You promise not to obtain an advance or credit\nextension under this Agreement if you know there is a reasonable probability that you will be unable to repay your obligation according to the terms of the\ncredit extension. You promise to inform us of any new information which relates to your ability to repay your obligation. You promise not to submit false or\ninaccurate information or willfully conceal information regarding your creditworthiness, credit standing, or credit capacity. You will not make purchases or\nobtain advances so that your balance will exceed your credit limit.\nDEFAULT: If you fail to make any payment on time or not meet any of the conditions of this Agreement, or if your Card is canceled, or if surrender is\ndemanded by the Credit Union, or if any attachment, garnishment, or like proceeding is brought against you or your property, or if you have given us false\nor inaccurate information in obtaining your Card, or if we, in good faith, believe that your payment or performance of your obligation is impaired, then you\nwill be in default, in which event we may at our option declare all amounts then owed by you to be immediately due and payable without any further notice\nor demand to you, and you expressly waive any notice of our intent to accelerate, notice of acceleration, or demand. You must pay us at that time the total\nunpaid balance, as well as the INTEREST CHARGE to date and our costs of collection, including reasonable attorney\xe2\x80\x99s fees that we may incur. INTEREST\nCHARGES shall continue to accrue until the entire amount is paid. The Card remains our property at all times, and you agree to immediately surrender\nthe Card and any unused Convenience Checks upon the Credit Union\xe2\x80\x99s demand.\nJOINT APPLICANT LIABILITY: In the event this Agreement is executed by someone in addition to you, it is further agreed that the terms \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nas used herein shall refer to you collectively and that each of you shall be jointly and individually liable to the Credit Union for all charges made to the\naccount, including applicable fees. In addition, you agree that each of you designates the other as agent for the purpose of making purchases extended\nunder this Agreement and each use of your account shall be an extension of credit to all. Notice to one of you shall constitute notice to all. Any joint\nPage 2 of 4\n\n\x0cDATCU REWARD MASTERCARD\xc2\xae\nAGREEMENT AND DISCLOSURE\n(Effective 04/01/2021)\napplicant may remove himself/herself from responsibility for future purchases at any time by notifying the Credit Union in writing. However, removal from\nthe account does not release any joint applicant from liability already incurred.\nMODIFICATION: We may change, delete, or add to the terms of this Agreement, including the periodic rate, at any time subject to such notice as may be\nrequired by applicable law. If you use your Card to make a purchase or balance transfer or obtain a cash advance after having been given notice of a\nchange in terms, you agree that the existing balance in your account at the time of that use will be subject to the new terms, as shall subsequent uses,\nunless prohibited by law.\nTERMINATION: You understand that the Credit Union may, by written notice, terminate this Agreement at any time. You may terminate this Agreement,\nby written notice, as to future advances at any time. Termination by either party shall not affect your obligation to repay any payments made for your\naccount resulting from use of the Card as well as INTEREST CHARGES and other related charges.\nINTERNATIONAL TRANSACTIONS: If you effect an international transaction with your MasterCard\xc2\xae, MasterCard\xc2\xae International Incorporated will convert\nthe charge into a U.S. dollar amount. MasterCard\xc2\xae International will use its currency conversion procedure, which is disclosed to institutions that issue\nMasterCard\xc2\xae cards. Currently the currency conversion rate used by MasterCard\xc2\xae International to determine the transaction amount in U.S. dollars for\nsuch transactions is generally either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard\xc2\xae International for the\napplicable currency on the day the transaction is processed, which rate may differ from the applicable rate on the date the transaction occurred or when\nthe transaction is posted to your account. We will charge a one percent Foreign Transaction Fee on all international transaction amounts. There is no\ngrace period within which international transactions may be repaid to avoid the Foreign Transaction Fee.\nILLEGAL TRANSACTIONS: You may not use the Card for any illegal purpose or transaction. The Credit Union may refuse to authorize any transaction\nthat it believes to be illegal or that poses an undue risk of illegality. You agree that any illegal use of the Card will be deemed an act of default under this\nAgreement. You further agree to waive any right to take legal action against the Credit Union for your illegal use of the Card and to indemnify and hold the\nCredit Union and MasterCard\xc2\xae International, Incorporated, harmless from and against any lawsuits, other legal action, or liability that results directly or\nindirectly from such illegal use.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO CONSUMER REPORTING AGENCIES: You authorize us to check your credit and\nemployment history and to request and use credit reports in connection with your application and, if approved, maintenance of your account. We may\nreport the status and payment history of your account to credit reporting agencies each month. Late payments, missed payments, or other defaults on\nyour accounts may be reflected in your credit report. If you believe that the information we have reported to a credit reporting agency is inaccurate or\nincomplete, or if you are in need of transaction records related to an incident of identity theft, you should notify us in writing at: DATCU, P.O. Box 827,\nDenton, TX 76202-0827. Please include your name, address, telephone numbers, account number, and identify the information that is the subject of your\nnotification. If your notification relates to an alleged incident of identity theft, we will require a copy of your identity theft report filed with law enforcement\nauthorities.\nADDITIONAL PROVISIONS: All credit for purchases and advances is extended at the option of the merchant or cashing financial institution, and we are\nnot responsible for the refusal of any merchant or financial institution to honor your Card. We do not warrant any merchandise or services purchased by\nyou with your Card. This Agreement is performable in Denton County, Texas, and the validity, construction, and enforcement of this Agreement shall be\ngoverned by the laws of the State of Texas to the extent not preempted by federal law. Each provision of this Agreement must be considered as part of\nthe total Agreement, and cannot in any way be severed from it. However, you also agree that should any part of this Agreement be found invalid, it will in\nno way affect the remainder of this Agreement. The Credit Union can delay enforcing any of its rights under this Agreement without losing them.\nLINKING ACCOUNT OR ACCESS DEVICE TO A THIRD PARTY APPLICATION (APP) OR PAYMENT SERVICE: You agree that if you link any of\nyour accounts or access device(s) to a third-party app or payment service (including but not limited to Cash App, PayPal, Zelle, or Venmo) you\nunderstand and agree that these are NOT Credit Union services; and any transaction(s) you make will be subject to your agreement with the application\nor service provider. You further understand that these apps and services do not provide the same protections from fraud or other misapplication of funds\nas traditional direct banking services. If we transfer any funds as directed by you or anyone you authorize to the app or third-party service provider such\ntransfer(s) shall in all respects be an authorized transaction and we will have no further obligation or liability if the app or provider then transfers the\nfunds to a fraudster or the funds are otherwise misapplied.\nAGREEMENT AND ACKNOWLEDGMENT: By signing the application for a Card, or by using the Card, you agree to all the terms and conditions and\npromise to perform all the obligations, requirements and duties set forth in this Agreement. You also acknowledge receipt of a copy of this Agreement.\nYOUR BILLING RIGHTS:\nKeep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do if You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nDATCU\nAttn: Credit Card Department\nP.O. Box 827\nDenton, TX 76202-0827\nIn your letter, give us the following information:\n\xef\x82\xb7\nAccount information: Your name and account number.\n\xef\x82\xb7\nDollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7\nDescription of problem: If you think there is an error on your statement, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7\nWithin 60 days after the error appeared on your statement.\n\xef\x82\xb7\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\nPage 3 of 4\n\n\x0cDATCU REWARD MASTERCARD\xc2\xae\nAGREEMENT AND DISCLOSURE\n(Effective 04/01/2021)\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\nYou are responsible for promptly examining each statement. You agree that we will not be liable for any unauthorized withdrawal, if you fail to notify us\nwithin 60 days after the first unauthorized withdrawal appeared on your statement. We also will not be liable for subsequent unauthorized withdrawals by\nthe same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 60 day period, even if the subsequent unauthorized withdrawals\nare reported promptly.\nIf you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that\nwe could have stopped someone from taking the money if you had told us in time.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xb7\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount\nagainst your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xef\x82\xb7\nIf we do not believe there was a mistake: You will have to pay the amount in question along with applicable interest and fees. We will send you\na statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your statement is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you are questioning your statement. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules\nabove, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us\nin writing at:\nDATCU\nAttn: Credit Card Department\nP.O. Box 827\nDenton, TX 76202-0827\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nDATCU CASH BACK MASTERCARD\xc2\xae REWARDS PROGRAM:\nHow do you earn rewards?\nYou will earn points for every $1 spent in net purchases (purchases minus returns/credits) made on your credit card account, rounded to the nearest whole\ndollar. Cash advances, balance transfers, or convenience checks used to access your account are not considered purchases and will not earn rewards.\nReward point values may change at anytime as deemed by DATCU. Point values will be published on DATCUs website at www.datcu.org along with any\npromotion or special terms.\nReward Limitations:\nReward options and the corresponding points required for redemption, limitations on point accrual, including monthly and/or yearly point maximums, point\nexpiration period, and increase or decrease in value of net point accrual are determined by, and may be modified by, DATCU at any time.\nRedemption of Rewards:\nReward redemption will be available through online banking, calling our virtual branch, or in person at any branch location, for cash or credit as determined\nby DATCU and may not be used in conjunction with promotions or discounts offered outside this program. Points have no monetary value outside this\nprogram nor can they be combined or transferred with or to any other loyalty program(s). Your account must be active and in good standing (i.e. not\ndelinquent, suspended, canceled, or otherwise not usable for charges) to redeem rewards.\nAdditional Disclaimers:\nDATCU reserves the right to terminate or suspend this program at any time without notice, restriction, or penalty. If applicable, a specified time may be\ngiven for the redemption of existing points when notice of program termination is made.\nClosing of Account:\nUpon closure of credit card account, all existing, and/or pending points will immediately expire and not be eligible for redemption.\nPage 4 of 4\n\n\x0c'