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Program	  Rules	  
Bethpage	  Federal	  Credit	  Union	  |	  Cash	  Rewards	  

Bethpage	  Federal	  Credit	  Union	  credit	  card	  customers	  are	  automatically	  enrolled	  in	  the	  Cash	  Rewards	  program	  ("the	  Program")	  
at	  no	  additional	  cost.	  

Each	  Cardholder	  and	  authorized	  user(s),	  if	  any,	  (referred	  to	  as	  "Cardholder(s),"	  "Participant(s),"	  "you,"	  or	  "your")	  with	  a	  
Bethpage	  Federal	  Credit	  Union	  credit	  card	  account	  ("Card"),	  may	  earn	  and	  use	  cash	  rewards	  ("Cash	  Rewards").	  

Review	  and	  keep	  this	  document	  ("Program	  Rules").	  The	  Program	  Rules	  are	  separate	  from	  the	  terms	  of	  your	  Cardholder	  
Agreement	  with	  us	  governing	  your	  Card	  ("Cardholder	  Agreement"):	  however,	  any	  Claim	  arising	  from	  participation	  in	  the	  
Program	  is	  subject	  to	  the	  jurisdiction,	  venue,	  waiver	  of	  jury	  trial	  and	  other	  provisions	  of	  your	  Cardholder	  Agreement.	  From	  time	  
to	  time	  we	  may	  change	  the	  Program	  Rules.	  When	  any	  change	  is	  made,	  we	  will	  post	  revisions	  online	  at	  www.BethpageFCU.com	  
(the	  "Site")	  and/or	  we	  will	  notify	  you	  in	  writing,	  as	  applicable.	  It	  is	  your	  responsibility	  to	  review	  the	  Program	  Rules	  to	  be	  aware	  
of	  any	  changes.	  

General	  Terms	  
1.	  To	  participate	  in	  the	  Program,	  you	  must	  (a)	  maintain	  a	  Card	  that	  is	  open,	  has	  charging	  privileges,	  and	  is	  in	  good	  standing	  
.	  "Good	  standing"	  means	  you	  are	  not	  in	  Default	  and	  your	  Card	  is,	  at	  the	  time	  of	  the	  applicable	  transaction,	  not	  lost	  or	  stolen.	  
"Default"	  means	  (i)	  you	  try	  or	  do	  exceed	  your	  credit	  limit;	  (ii)	  you	  become	  subject	  to	  bankruptcy	  or	  insolvency	  proceedings;	  (iii)	  
you	  or	  your	  property	  are	  subject	  to	  attachment	  or	  garnishment	  proceedings;	  (iv)	  you	  are	  in	  default	  under	  any	  other	  loans	  or	  
credit	  extensions	  from	  us;	  (v)	  you	  provide	  us	  with	  any	  false	  information	  or	  signature;	  or	  (vi)	  you	  fail	  to	  comply	  with	  any	  
provision	  of	  your	  Cardholder	  Agreement.	  

2.	  Cash	  Rewards	  earnings	  are	  based	  on	  the	  new	  net	  retail	  purchase	  transaction	  volume	  (i.e.,	  purchases	  less	  credits,	  returns,	  and	  
adjustments)	  charged	  to	  your	  Card	  during	  each	  periodic	  billing	  cycle	  ("Billing	  Cycle")	  by	  the	  Participant(s)	  ("Net	  Purchase(s)").	  
You	  may	  earn	  Cash	  Rewards	  equal	  to	  .50%	  of	  your	  Net	  Purchases	  between	  $1.00	  and	  $4,000.00	  and	  1.00%	  of	  your	  Net	  
Purchases	  from	  $4,001.00	  and	  up	  each	  Billing	  Cycle,	  rounded	  to	  the	  nearest	  whole	  cent.	  For	  example,	  if	  you	  used	  your	  Card	  for	  
Net	  Purchases	  of	  $612.34	  during	  a	  Billing	  Cycle,	  you	  would	  receive	  $3.06	  in	  Cash	  Rewards.	  Cash	  Rewards	  are	  subject	  to	  
verification.	  Balance	  transfers,	  cash	  advances,	  including	  purchases	  of	  cash	  equivalents	  of	  any	  kind,	  convenience	  checks,	  	  
,	  fees,	  finance	  charges,	  credit	  insurance	  charges,	  credit	  protection	  charges,	  debt	  cancellation	  charges,	  unauthorized/fraudulent	  
transactions,	  and	  illegal	  transactions	  do	  not	  earn	  Cash	  Rewards.	  From	  time	  to	  time,	  special	  promotions	  may	  feature	  Cash	  
Rewards.	  Details	  will	  accompany	  the	  offer.	  

3.	  The	  accrual	  of	  Cash	  Rewards	  may	  begin	  on	  your	  Enrollment	  Date.	  Enrollment	  Date	  means	  the	  date	  we	  mail	  your	  Card	  and	  the	  
Cardholder	  Agreement	  to	  you.	  

4.	  Subject	  to	  the	  limitations	  provided	  in	  this	  paragraph	  and	  elsewhere	  in	  these	  Program	  Rules,	  the	  Cash	  Rewards	  will	  appear	  
cumulatively	  on	  your	  periodic	  statement	  each	  month	  and	  will	  be	  paid	  out	  once	  a	  year	  in	  October	  (the	  "Distribution	  Date")	  as	  a	  
credit	  on	  your	  periodic	  statement.	  The	  determination	  of	  whether	  you	  are	  eligible	  to	  earn	  Cash	  Rewards	  on	  a	  particular	  
transaction	  is	  determined	  at	  the	  time	  the	  transaction	  posts	  to	  your	  account.	  The	  determination	  of	  whether	  you	  are	  eligible	  to	  
receive	  Cash	  Rewards	  that	  have	  accumulated	  during	  the	  Program	  year	  and	  have	  not	  been	  forfeited	  pursuant	  to	  these	  Program	  
Rules	  is	  determined	  on	  the	  Distribution	  Date.	  If	  you	  have	  failed	  to	  make	  your	  last	  two	  (or	  more)	  Minimum	  Payments	  (as	  defined	  
in	  your	  Cardholder	  Agreement),	  you	  are	  not	  eligible	  to	  earn	  or	  receive	  a	  distribution	  of	  Cash	  Rewards.	  If	  you	  have	  failed	  to	  
make	  your	  last	  four	  (or	  more)	  Minimum	  Payments	  or	  you	  are	  in	  Default,	  you	  will	  automatically	  forfeit	  any	  Cash	  Rewards	  that	  
have	  accumulated	  on	  your	  account.	  

5.	  Cash	  Rewards	  are	  not	  earned	  until	  they	  have	  appeared	  on	  your	  periodic	  statement	  as	  a	  statement	  credit	  on	  the	  Distribution	  
Date.	  Cash	  Rewards	  are	  non-­‐negotiable,	  and	  cannot	  be	  redeemed	  for	  any	  benefit	  except	  as	  a	  credit	  on	  your	  periodic	  statement	  
on	  the	  Distribution	  Date.	  Cash	  Rewards	  are	  not	  property	  of	  any	  Cardholder	  or	  other	  person,	  and	  may	  not	  be	  brokered;	  

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M-­‐104641	  

bartered;	  attached;	  pledged;	  gifted;	  sold;	  or,	  unless	  specifically	  authorized	  by	  us,	  transferred	  to	  anyone	  else	  under	  any	  
circumstances,	  including,	  but	  not	  limited	  to,	  upon	  disability,	  death,	  operation	  of	  law,	  or	  in	  connection	  with	  any	  domestic	  
relations	  dispute	  and/or	  legal	  proceeding.	  Discrepancies	  about	  Cash	  Rewards	  earnings	  are	  not	  treated	  as	  credit	  card	  billing	  
disputes—refer	  to	  your	  Cardholder	  Agreement	  or	  the	  Your	  Billing	  Rights	  notice	  for	  details	  about	  billing	  disputes.	  Our	  decisions	  
regarding	  Cash	  Rewards	  discrepancies	  shall	  be	  final.	  Unless	  specifically	  authorized	  by	  us,	  Cash	  Rewards	  may	  not	  be	  combined	  
with	  other	  discounts,	  special	  rates,	  promotions,	  or	  other	  reward	  programs	  offered	  by	  us.	  Unless	  specifically	  authorized	  by	  us,	  
Cash	  Rewards	  cannot	  be	  transferred	  between	  any	  credit	  card	  accounts.6.	  If	  a	  Cardholder	  voluntarily	  closes	  the	  Card	  or	  dies	  or	  if	  
we	  close	  the	  Card	  for	  any	  reason,	  all	  unused	  Cash	  Rewards	  which	  have	  not	  appeared	  on	  your	  periodic	  statement	  as	  a	  statement	  
credit	  are	  immediately	  and	  irrevocably	  forfeited.	  We	  reserve	  the	  right	  to	  disqualify	  anyone	  from	  participation	  in	  the	  Program,	  
refuse	  to	  distribute	  Cash	  Rewards,	  and	  close	  your	  Card	  if,	  in	  our	  sole	  judgment,	  you	  or	  any	  other	  person(s)	  using	  the	  Card,	  have	  
violated	  any	  of	  the	  Program	  Rules,	  including	  but	  not	  limited	  to	  acts	  of	  fraud	  or	  other	  abuse.	  If	  a	  Cardholder	  dies,	  all	  accrued	  and	  
undistributed	  Cash	  Rewards	  are	  immediately	  forfeited.	  We	  may,	  however,	  upon	  the	  death	  of	  a	  Cardholder,	  choose	  to	  credit	  
Cash	  Rewards	  to	  a	  deceased	  Cardholder's	  account	  (provided	  the	  Cardholder	  is	  otherwise	  eligible	  to	  receive	  a	  distribution	  of	  
Cash	  Rewards),	  but	  any	  such	  credit	  will	  be	  at	  our	  sole	  discretion	  and	  shall	  not	  constitute	  a	  waiver	  of	  our	  rights	  pursuant	  to	  these	  
Program	  Rules.	  

7.	  We	  may,	  at	  any	  time,	  without	  prior	  notice,	  (a)	  change,	  limit,	  or	  terminate	  any	  aspect	  of	  the	  Program;	  (b)	  terminate	  the	  Card	  
Program	  in	  its	  entirety;	  (c)	  amend	  the	  Program	  Rules,	  benefits	  or	  features,	  in	  whole	  or	  in	  part;	  (d)	  discontinue	  or	  replace	  any	  
method	  of	  redemption	  for	  Cash	  Rewards	  with	  a	  similar	  one	  of	  lesser,	  equal,	  or	  greater	  value;	  (e)	  modify,	  delete	  or	  terminate	  
any	  or	  all	  of	  the	  Program,	  the	  Program	  Rules	  or	  any	  portion	  thereof,	  Cash	  Rewards,	  benefits,	  or	  special	  offers	  if	  applicable;	  or	  (f)	  
terminate	  a	  Cardholder's	  participation	  in	  the	  Card	  Program	  for	  any	  reason,	  except	  as	  may	  be	  limited	  by	  applicable	  law.	  Changes	  
may	  affect	  outstanding	  transactions	  and	  Cash	  Rewards,	  and	  may	  include,	  but	  are	  not	  limited	  to,	  the	  earnings	  rate	  for	  Cash	  
Rewards,	  the	  type	  of	  transactions	  qualifying	  for	  Cash	  Rewards,	  the	  type	  or	  value	  of	  Cash	  Rewards,	  the	  Distribution	  Date,	  adding	  
an	  expiration	  date	  for	  Cash	  Rewards	  or	  the	  maximum	  number	  of	  Cash	  Rewards	  that	  may	  be	  earned	  per	  month	  or	  year,	  or	  
otherwise,	  if	  applicable.	  Any	  of	  the	  foregoing	  actions	  may	  be	  taken	  even	  if	  such	  actions	  affect	  the	  value	  of	  Cash	  Rewards	  
already	  earned.	  The	  Program	  is	  not	  scheduled	  to	  end	  on	  a	  predetermined	  date.	  

8.	  We	  are	  not	  responsible	  for	  delayed	  or	  lost	  correspondence	  sent	  by	  U.S.	  mail	  or	  any	  other	  form	  of	  delivery,	  including	  e-­‐mail.	  
We	  assume	  no	  responsibility	  for	  any	  error,	  omission,	  interruption,	  deletion,	  defect,	  delay	  in	  operation	  or	  transmission,	  theft,	  
destruction,	  or	  unauthorized	  access	  to,	  or	  alteration	  of	  Cash	  Rewards	  accrued	  and	  redeemed	  or	  other	  Program	  activities.	  

9.	  We	  are	  not	  responsible	  for	  typographical	  errors	  and/or	  omissions	  in	  any	  Program	  document.	  

10.	  You	  are	  responsible	  for	  determining	  any	  tax	  liability	  arising	  from	  participation	  in	  the	  Program.	  Consult	  your	  tax	  advisor	  
concerning	  tax	  consequences.	  The	  Program	  is	  subject	  to	  government	  approval	  and	  is	  void	  where	  prohibited	  by	  law.	  All	  aspects	  
of	  the	  Program	  are	  governed	  by	  the	  laws	  of	  the	  State	  of	  New	  York,	  without	  any	  reference	  to	  its	  choice	  of	  law	  provisions.	  

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