RRewardsbrochure Update_11-11_Update 8/08  11/30/11  5:00 PM  Page 1

Travel Award Rules—continued
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 2010, 2010 is considered calendar year one, 2011 is
considered calendar year two, 2012 is considered calendar year three and 2013 is
considered calendar year four. Points from 2010, calendar year one, will expire on
the last day of calendar year 2013, which is the end of calendar year four.)

GUIDE
GUIDE

TO A REWARDING RELATIONSHIP

C A S H
C A S H

merchandise

T RAVEL

Our relationship rewards program is designed to
make your relationship with State Credit Union
even more rewarding.

Earn Relationship Rewards points through the everyday use of your money and
redeem them for exciting merchandise, travel vouchers, even cash.

Debit cards: You are automatically enrolled in Relationship Rewards when you get an SCU Visa Debit Card®. 
Earn one point for every $2.50 you spend when you sign your name. Plus, with a new SCU debit card, you earn 
500 bonus rewards points the first time you use it for a signature purchase! In general, any debit transaction you 
make when you do NOT enter a PIN is considered a signature transaction. Ask the cashier how to process your
transaction as a "credit" transaction, if you are unsure. This includes transactions you make online or by mail where
you simply enter your card number, expiration and sign your name.

Credit cards: You also are automatically enrolled in Relationship Rewards when you carry an SCU Visa credit card.
Earn one point for every $1.00 you spend on purchases with that card.

Combine! When you have both debit and credit cards from SCU, you can combine your points from both cards so
you can redeem for bigger and better prizes.  

Transfer! You can even give your points to another cardholder, as often as once per quarter. So, if your child or
family member needs a few more points for a big travel award, you can step in to help out.

Travel! With Relationships Rewards, an unrestricted travel voucher takes only 25,000 points.  

The more you use SCU cards, the more points you can earn. Can using cash or your checkbook send you on a
relaxing cruise? We didn’t think so!

PO Box 726
Columbia, SC 29202-0726
800.868.8740 I 803.343.0300
www.scscu.com

Learn how to EARN and REDEEM Relationship
Rewards points with State Credit Union

inside

>

Federally 
insured 
by NCUA

EQUAL HOUSING�
LENDER

11-11

For a complete selection of 
merchandise available go to

www.curewards.com
www.curewards.com

RRewardsbrochure Update_11-11_Update 8/08  11/30/11  5:00 PM  Page 3

(cid:129) MAKE the MOST of your points.

(cid:129) Maximize your Relationship Rewards points

TIP 1: Use your SCU Visa credit card for as many purchases as you comfortably can (and will) pay off each

month. Your SCU credit card spending earns the most points.

TIP 2: With your SCU debit card, remember this phrase: “Sign for fine rewards.” You only earn points with 

your debit card when you sign your name for the purchase. Just ask the salesperson to process your
purchase as “credit.” It will still be deducted from your checking account.

TIP 3: Pay your normal monthly bills with your debit or credit card. Many merchants give you a credit card

option for payment, either on the payment coupon or online.

(cid:129) Combine your points

You can roll debit and credit points together for bigger and better prizes. Go to our Web site,
www.scscu.com/rewards,  to make your request. Or stop by any branch and we’ll be glad to help you. 

(cid:129) Track your points

Points will be reflected on your checking or credit card statement. If you combine your points, they will roll
up to your credit card statement and will be shown there. You can also visit www.curewards.com to see
your total points. Enter your card number to see the points earned with it. If you combine your points, enter
your credit card number.

(cid:129) Redeem your points

Just visit www.curewards.com where you can browse the CURewards merchandise and travel options and
place your order online. Redeem your points for cash by visiting www.scscu.com/rewards.

(cid:129) Transfer your points

You can give your points to another SCU Visa cardholder. Visit our Web site, www.scscu.com /rewards, to
find a secure online form to make your request. Member number and last four digits of your social security
number required. Please allow up to four days for processing.

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.

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

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 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.

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 

—continued on back