SCU Relationship Rewards Rules

State Credit Union’s Relationship Rewards program is designed to give our members numerous ways to earn rewards by using
SCU services.  Some of the program benefits are offered directly through State Credit Union and some benefits are administered
by CURewards.  As additional benefits are offered or changes are made to either program, these rules will be amended.  The
following describes program rules as of July 1, 2010.

Complete CURewards Program Rules and Conditions can be found at www.curewards.com.

General CURewards Information

1. The CURewards Program (“Program”) applies to SCU’s VISA Classic, Gold and Platinum credit cards and VISA debit

cards.  The credit card program started February 1, 2002, and the debit card program started June 1, 2007.

2. Cardholders (“Participants”) earn points through qualifying purchases as described below.
3. Points will be deducted from the total points available for redemption for any returns or credits reflected on the credit
card and/or debit card account statement. The Participant’s credit and/or debit card account may be charged for the
actual cash difference between the cost of the award redeemed and the net value of the actual points available for
redemption in the event Participant redeems unearned points.

4. Accounts must be open and in good standing (not canceled or terminated by either party; not delinquent, over limit,
overdrawn or otherwise not available to use for charges, other than an account in Courtesy Pay, unless more than 30
days have elapsed without repayment ) at time of redemption.  Awards are not available when a cardholder is in default
under the card agreement.  State Credit Union reserves the right to suspend the cardholder’s participation in the program
until the account is in good standing and to reverse points deemed to be obtained in a fraudulent manner.

5. Points may be forfeited due to Rules violations. This program is void where prohibited or restricted by law. Participant is

responsible for any federal, state or local income or other taxes or gratuities, if applicable.

6. The Participant’s use of their debit and / or credit card(s) as applicable following receipt of these Rules will indicate their

agreement to comply with and abide by these Rules.

7. The Program reserves the right to terminate or modify the Program or portions thereof at any time without restriction or
penalty. This means that regardless of a Participant’s level of activity in the Program, the ability to accumulate points or
claim  awards  can  be  terminated  or  modified  with  or  without  prior  notice.  The  redemption  value  of  Points  already
accumulated may be changed at any time without notice and without restriction or penalty.

8. Every effort has been made to ensure that the information in the Program communications is accurate. The Program is
not responsible for errors or omissions and reserves the right to correct such errors at any time, even if it affects a
pending award redemption order.

Earning CURewards Points

On SCU Credit Cards
One (1) point is earned for every $1.00 in purchases with the SCU credit card.  See detail below.

Every $1 dollar in qualifying purchases based on credit card purchases, net of returns, Participant charges to their credit card
account eligible in this Program earns Participant one Point (“Point”) as provided for in these Rules. No points are earned for
finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or insurance charges
posted to their account.  Charges or transactions may be added to, or removed from, the above lists of eligible charges and
transactions from time to time at the sole discretion of the Program. Any questions as to what constitutes an eligible charge
shall be resolved at the sole discretion of the Program.  Points for this Program begin to accumulate with purchases Participant
makes beginning on the first day of the billing cycle in which their Program begins and ending on the last day of the last billing
cycle of the announced duration of their Program.  Points earned from net purchases and point adjustments made between
billing cycles will be deemed as earned after being posted to their next monthly card statement.

On SCU Debit Cards
One (1) point is earned for every $2.50 in purchases made when signing your name (“Signature”).

Points are not earned on any fractional dollar amount.  For example:

Purchase of $12.80 made signing your name = 5 points (1 point per $2.50)

Every $2.50 in qualifying signature or $10.00 in pin-based debit card purchases, net of returns, Participant transacts on his or
her debit card account eligible in this Program earns Participant one Point as provided for in these Rules. Points are not
earned on cash advances or  ATM transactions.  Any questions as to what constitutes an eligible transaction shall be
resolved at the sole discretion of the Program.  Points for this Program begin to accumulate with qualified debit card purchases
Participant makes beginning on the first day of the statement cycle in which their Program begins and ending on the last day
of the last statement cycle of the announced duration of their Program.  Points earned from net signature or pin-based debit
card purchases and point adjustments made between statement cycles will be deemed as earned after being posted to
Participant’s next monthly statement.

Redeeming CURewards Points

CURewards points may be redeemed for merchandise or travel.  See CURewards.com for complete details.  For
cash redemptions see Additional Relationship Rewards Rules.

Merchandise Award Rules
Points can be used to order the awards described in the current CURewards brochure or the Program web site. Point
requirements assigned to any award are subject to change from time to time without notice, and awards may be discontinued
or substituted at any time.

Merchandise will be shipped via a parcel delivery service or by the U.S. Postal Service and should arrive 4-6 weeks after the
order is received; otherwise, the Participant will receive an acknowledgement stating the anticipated alternate delivery date,
except as noted on items shipped directly from the manufacturer. There will be no charge for standard delivery. Additional
shipping cost may apply to deliveries to Puerto Rico, Alaska and Hawaii. The Participant will be notified of the additional cost.
Shipments cannot be made to a post office box or outside the United States. For more details on merchandise shipment
limitations, please refer to the merchandise section on the CURewards web site. No international shipments are permitted.
A street address and home phone number are required to accept an order.

A product, which is received damaged or defective, may be returned to the shipper within 10 days of receipt for replacement.
All parts, instructions, warranty cards and original packaging materials must be returned with the product. Be sure to note
any exceptions, damages or shortages on the delivery receipt before signing to accept freight shipment delivery from the
carrier.

The merchandise offered in this Program may be subject to standard manufacturers’ warranties. Warranty claims must be
directed to the manufacturer.

Travel Award Rules
Certain restrictions may apply to travel certificates, tickets and documents. Travel certificates, tickets and documents are not
exchangeable, refundable, transferable or redeemable for cash. All travel certificates, tickets and documents will be mailed
first class U.S. Mail and will not be replaceable in the event of loss, destruction or theft. Participant may request travel
certificates, tickets and documents to be delivered by overnight carrier and agrees to pay the associated additional delivery
fees. Participant is responsible for any applicable fees and taxes associated with travel redemptions.

All travel awards are non-refundable and subject to specific terms and conditions. Unless otherwise noted, airline reservations
must originate from the contiguous 48 United States, must be made 21 days in advance of travel, require a Saturday night
stay and may have restrictions, blackout dates and exclusions. The Program reserves the right to book all airline tickets on
the carrier with the lowest available fare for the round trip between the cities requested. Certificates have no value except
when used under the terms and conditions accompanying them. Certificates and tickets issued for airline travel must be
issued in the name of the redeeming debit or credit card account holder or a member of their immediate family. The Program
is not responsible for the performance of 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.

Airline tickets are not refundable nor may they be returned to the Program for a credit of points to the original account. They are
non-changeable unless permitted by the airline issuing the ticket. Fees that apply due to permitted changes by the airline are

the responsibility of the traveler. En-route stopovers are not permitted unless they are to make direct connections within the
carrier’s rules. Air travel must be all on the same airline. Minimum or maximum stays required by the carrier may apply.

Issuance of some travel certificates does not constitute a reservation. In such cases the certificate holder is responsible for
making all reservations with the company that issues the certificate.

Additional Relationship Rewards Rules

Redeeming Points for Cash
CURewards points may be redeemed for cash up to two times per calendar year based on the following cash redemption
table.

25,000 points
20,000 points
15,000 points
10,000 points
  5,000 points
  2,000 points

$250.00
$200.00
$150.00
$100.00
  $50.00
  $20.00

Only one cash reward point level may be redeemed in any one calendar month.  For example, if you have 12,000
points, you may redeem for 10,000 points or 2,000 points, but not both.

To redeem points, Participant should complete a Points Redemption Request Form, found at any SCU branch location or on
www.scscu.com, with the redemption amount and the SCU savings or checking account in which to deposit the cash reward.
Request may take up to 2 business days to process.  A receipt will be mailed to confirm the deposit.  To determine points you
have available for redemption, refer to your latest credit card or checking statement.   If we are not able to meet your request
you will be notified by mail, e-mail or telephone.  Points for cash cannot be redeemed through CURewards.com.

Combining Points
Participants may choose to combine their debit card points to their credit card points. Combined points will be reflected on
the monthly credit card statement.  Participants who wish to combine their debit card points with their credit card points must
notify the credit union in writing, online, in person, by telephone or fax in order to participate in combined points feature.
Allow 7 business days from the date of the request for this feature to be activated.

Transferring Points
Cardholders may give their points to another cardholder.  The 1) request must be in writing and 2) only one request is
allowed per quarter.  (Quarter 1 is January-March, Quarter 2 is April- June, Quarter 3 is July-September and Quarter 4 is
October-December)

Expiration
The points may exist on an account for 4 calendar years before expiring.  (e.g.  If points exist on an account from 2007,  2007
is considered calendar year one, 2008 is considered calendar year two, 2009 is considered calendar year three and 2010 is
considered calendar year four.  Points from 2007, calendar year one, will expire on the last day of calendar year 2010, which
is the end of calendar year four.)

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