to 6 weeks for delivery. The manufacturer’s warranty, 
if  any,  is  the  only  warranty  covering  Merchandise 
Rewards.  We  and  the  Choice  Rewards  Program 
Administrator don’t make any guarantees, warranties 
or representations of any kind, expressed or implied, 
with  respect  to  the  Merchandise  Choice  Rewards 
and  expressly  disclaim  any  implied  warranties  of 
merchantability or fitness for any particular purpose. 
Choice Rewards are provided solely by the applicable 
manufacturers. We and the Choice Rewards Program 
Administrator  have  no  responsibility  or  liability  for 
such products. You release us and the Choice Rewards 
Program  Administrator  from  any  and  all  liability  for 
any  loss,  expense,  accident,  injury  or  inconvenience 
that may arise in connection with the use or defect of 
any  Reward.  A  minimum  of  7,500  points  is  required 
to  purchase  Merchandise,  5,000  minimum  points  to 
purchase a Gift Card.

Cash  Back  Rewards.  Each  Cash  Back  Rewards  point 
redeemed  equals  one  cent  ($0.01)  towards  the  cash 
back  amount.  You  may  redeem  your  points  for  cash 
back  in  the  form  of  a  deposit  to  your  OneAZ  CU 
Savings or Checking Account, payment towards your 
OneAZ  CU  Choice  Rewards  Credit  Card  account  or 
as  a  donation  to  one  of  our  designated  charities. 
Cash Back redeemed in the form of a deposit to your 
OneAZ  CU  Savings  or  Checking  Account  is  limited 
to  $50  increments.  Cash  Back  redeemed  towards 
payment  of  your  Choice  Rewards  Credit  Card  is 
limited  to  increments  of  $50.  Cash  Back  redeemed 
as  a  donation  to  one  of  our  designated  charities  is 
limited to $50 increments.

You  must  attain  a  minimum  of  20,000  points  before 
you  are  allowed  to  redeem  any  Cash  Back  points. 
A  minimum  redemption  of  5,000  points  is  required. 
Cash  Back  redeemed  in  the  form  of  donations  will 
be  directed  to  the  charity  selected.  Cardholder  will 
receive  an  acknowledgment  letter  within  60  days  of 
donation. Please allow 1 – 2 weeks processing time.

7. PERIODIC STATEMENTS OF POINT ACTIVITY.
Your Choice Rewards information will be summarized 
on your regular monthly statement along with Points 
Earned,  Points  Redeemed,  and  Points  Available. 
Points  Available  will  also  be  displayed  on  the  www.
curewards.com website.

8. CHANGES. We may, from time to time and in our 
sole discretion, amend, delete or add to the terms of 
this Agreement and may change or limit any aspect of 
the Program and its restrictions, benefits, or features, 

in  whole  or  in  part.  Such  changes  are  effective  to 
all  Cardholders  and  may  be  applied  retroactively. 
Changes  may  include,  but  are  not  limited  to,  the 
number  of  points  required  to  earn  specific  Choice 
Rewards,  the  type  of  transactions  which  qualify  for 
points, the type and/or value of Choice Rewards, the 
availability  of  Choice  Rewards,  the  Choice  Rewards 
offerings,  the  imposition  of  an  annual  Program 
membership fee or the increase of any fees associated 
with the Program, or the number of points which may 
be earned or purchased. Your accumulation of points 
does not give you any vested rights and you may not 
rely  upon  the  continued  availability  of  any  Reward. 
We  will  post  any  such  changes  to  the  Agreement 
on  the  Website  and    it  is  your  responsibility  to 
review  the  Agreement  for  any  such  changes.  If  you 
fail  to  close  your  Choice  Rewards  Account  or  any 
Cardholder uses your Card after the effective date of 
an amendment, you will   be deemed to have agreed 
to  any  amendments  to  the  Program  set  forth  in  the 
continuously updated Agreement at OneAZcu.com.

9. TERMINATION OR CANCELLATION. We reserve 
the  right  to  suspend  or  terminate  the  Program  and 
this Agreement at any time. Our decisions regarding 
the  Program  are  final.  If  the  Program  is  terminated, 
you  will  be  notified  of  the  date  by  which  you  must 
redeem all your accumulated points. You must request 
issuance  of  the  award  by  the  effective  termination 
date  and  otherwise  comply  with  all  terms  of  the 
Program  in  effect  before  termination.  We  may  also 
terminate your Choice Rewards Account immediately, 
without  notice,  if  we  determine  that  any  Cardholder 
has  violated  the  redemption  rules  of  this  Program    
or  is  in  any  way  involved  in  fraud,  theft  or  other 
illegality,  or  if  we  terminate  or  suspend  your  OneAZ 
CU Choice Rewards Credit Card. If we terminate your 
Choice Rewards Account for any of those reasons, the 
accumulated points on your Choice Rewards Account 
will  be  forfeited  and  you  will  not  be  allowed  to 
redeem those points for any reward. After termination 
of the OneAZ CU Choice Rewards Program, the Terms 
and  Conditions  of  this  section  shall  no  longer  apply 
to  your  OneAZ  CU  Choice  Rewards  Credit  Card. 
All  other  Terms  and  Conditions  of  your  Credit  Card 
Agreements shall apply. You  will  still be  obligated  
to  make  monthly  payments  and  comply  with  all  of  
the Terms and Conditions stated in your Cardholder 
Agreements.

10.  INCOME  TAXES.  Earning  points  or  redemption 
of points for Choice Rewards may result in tax liability. 
Any applicable federal, state, or local tax obligations 

related  to  the  Program  are  your  sole  responsibility. 
Please  consult  your  tax  advisor  concerning  any  such 
income  or  other  tax  consequences  related  to  your 
participation  in  the  Program.  Tax  reporting,  if  any,  
will be made to the tax identification number of the 
Primary Credit Cardholder.

11.  LIABILITY.  OneAZ  CU,  the  Choice  Rewards 
Program  Administrator,  and 
their  parent  and 
subsidiary companies and affiliates (Program Sponsor 
and Program Administrators) are only agents for the 
providers  of  travel  services  or  other  products  and 
services.  By  participating  in  the  OneAZ  CU  Choice 
Rewards  Program,  you  agree  that  all  merchandise 
and  travel  services,  including  but  not  limited  to 
services  provided  by  any  travel  agency,  air  carrier 
(Service  Provider  or  Supplier),  are  only  provided  by 
that    Service  Provider  or  Supplier  and  not  by  the 
Program Sponsor or the  Program Administrators.  In  
addition to being subject to the terms of this OneAZ 
CU Choice Rewards Program, you will also be subject 
to  and  must  comply  with  the  terms  of  the  Service 
Provider  or  Supplier  tickets,  vouchers,  certificate, 
cards, contracts, and rules and regulations established 
by  our  Choice  Rewards  Program  Administrator.  We 
and  the  Choice  Rewards  Program  Administrator 
do    not    guarantee    the  accuracy  of,  and  disclaim 
liability  for  inaccuracies  relating  to  the  information 
and  description  of  the  merchandise,  charities,  air 
and  other  travel  products  displayed  on  our  Website 
(including,  without  limitation,  photographs,  general 
product descriptions, etc.). The Program Sponsor and 
the Program Administrators make no representations 
about  the  suitability  of  the  information,  software, 
products, and services contained on our Website for 
any purpose, and the inclusion or offering for sale of 
any  products  or  services  on  this  Website  does  not 
constitute  any  endorsement  or  recommendation  of 
such  products  or  services  by  the  Program  Sponsor 
and or the Program Administrators. The carriers, and 
other  Service  Providers  or  Suppliers  providing  travel 
or  other  merchandise  or  services  are  independent 
contractors  and  not  agents  or  employees  of  the 
Program Sponsor or the Program Administrators. The 
Program  Sponsor  and  the  Program  Administrators 
do  not  warrant,  endorse  or  vouch  for  any  retailer, 
merchant  or  agency  (Service  Provider  or  Supplier) 
or  its  products  or  services,  and  provides  the  OneAZ 
CU  Choice  Rewards  Program  AS  IS:  the  entire  risk 
as  to  satisfactory  quality  and  performance  of  each 
Service  Provider  or  Supplier  and  of  their  services  is 
with you and/or the Service Provider or Supplier. the 
Program Sponsor and Program administrators hereby 

liable 

disclaim  all  implied  warranties  (if  any),  including  but 
not  limited  to  implied  warranties  and  conditions  of 
merchantability  or  fitness  for  a  particular  purpose. 
The  Program  Sponsor  and  Program  Administrators 
for  the  acts,  errors,  omissions, 
are  not 
representations,  warranties,  breaches  or  negligence 
of any such Service Providers or Suppliers or for any 
personal  injuries,  death,  property  damage,  or  other 
damages  or  expenses  resulting  from  the  usage 
of  goods  or  services.  The  Program  Sponsor  and 
Program  Administrators  have  no  liability  and  will 
make no refund in the event of any delay, cancellation, 
overbooking,  strike,  force  majeure  or  other  causes 
beyond our direct control, and have no responsibility 
for  any  additional  expense,  omissions,  delays,  re-
routing  or  acts  of  any  government  or  authority.  By 
participating  in  the  Program,  you  agree  that:  (i)  the 
Program  Sponsor  and  Program  Administrators  shall 
not  be  liable  for  any  breach  of  warranty  or  other 
problem,  or  for  damages  of  any  nature  directly  or 
indirectly caused by or relating to a Service Provider/
Supplier  or  their  services;  (ii)  the  Program  Sponsor 
and  Program  Administrators    shall  not  be  liable  for 
any accident occurring during travel or related to the 
use of any product or services provided by any Service 
Provider  or  Supplier  which  results  in  personal  injury, 
damage to property, or other loss to  any person; (iii) 
the  Program  Sponsor  and  Program  Administrators 
shall not be liable for any incidental or consequential 
damages;  (iv)  any  dispute  must  be  settled  between 
you  and  the  Service  Provider/Supplier;  and  (v)  that 
all  damages  that  the  Program  Sponsor  or  Program 
Administrators might owe you shall be limited to the 
aggregate  amount  of  your  annual  Choice  Rewards 
Account  participation  fee,  which  damages  shall  be 
your sole and exclusive remedy against the Program 
Sponsor and Program Administrators.

Choice Rewards
Credit Card
Terms and Conditions

2355 W. Pinnacle Peak Rd.
Phoenix, AZ 85027

REV. 4/20/16

ONEAZ CREDIT UNION
CHOICE REWARDS PROGRAM
TERMS AND CONDITIONS

Please  read  and  retain  these  Terms  and  Conditions 
(Agreement)  which  contain  important  information 
about  the  OneAZ  Credit  Union  (OneAZ  CU)  Choice 
Rewards Program. By participating in the OneAZ CU 
Choice Rewards Program (Program), you agree to this 
Agreement.  The  separate  Terms  and  Conditions  of 
the  Choice  Rewards  Credit  Card  Agreement,  which 
govern your Credit Card Account, are located at www.
OneAZcu.com (Website).

1.  ELIGIBILITY  AND  ENROLLMENT.  This  Choice 
Rewards  Program  is  sponsored  by  OneAZ  CU  (we, 
us,  ours)  and  is  restricted  to  OneAZ  CU  Choice 
Rewards  Cardholders  in  good  standing  (as  defined 
by  us  from  time  to  time).  We,  or  the  party  hired  to 
manage and administer OneAZ CU’s Choice Rewards 
Program  (Choice  Rewards  Program  Administrator), 
reserve the right to determine at our sole discretion 
whether you are eligible for enrollment or continued 
participation in the Program. We are not responsible 
for  the  Choice  Rewards  Program  Administrator’s 
products,  services  or  decisions  relating  to  this 
Program or redemptions.

2. ENROLLMENT. Enrollment into Choice Rewards is
automatic following OneAZ CU approval of your credit 
request. You can access our Program information via 
the Choice Rewards Website at www.curewards.com 
or  within  the  OneAZ  CU  Online  Banking  Website 
located at www.OneAZcu.com.

3.  QUALIFYING  PURCHASES.  Only  authorized 
charges  for  Qualifying  Purchases  made  with  your 
OneAZ  CU  Choice  Rewards  Credit  Card  for  the 
purchase  of  goods  or  services,  less  any  credits  for 
charge  reversals  or  other  refunds,  will  earn  points. 
Qualifying  Purchases  do  not 
include  balance 
transfers  or  cash  advances;  convenience  checks; 
payments  made  for  store  value  cards,  such  as 
gift  cards  and  similar  cards;  wire  transfers;  money 
transfers;  travelers  checks  and  similar  products 
that  may  be  converted  to  cash,  such  as  money 
orders  and  certified  checks  charged  to  your  Card 
Account;  all  incidental  charges  and  fees  charged 
by  us  (for  example:  voluntary  payment  protection 
costs,  finance  charges,  returned  check  fees,  service 
charges,  and  ATM  fees);  and  purchases  when  your 
Card  Account  is  not  in  good  standing.  We  reserve 
the right to determine at our sole discretion whether 

a particular transaction is a Qualifying Purchase or to 
include or exclude other charges from the definition 
of Qualifying Purchases.

4.  POINTS.  For  each  dollar  of  Qualifying  Purchases 
charged  to  your  OneAZ  CU  Choice  Rewards  Credit 
Card, you will be awarded one point. Your points will 
begin  to  accumulate  following  your  first  Qualifying 
Purchase.  Points  are  earned  once  our  Choice 
Rewards Program Administrator credits them to your 
Choice Rewards account in its Choice Rewards point 
accounting  system  (Choice  Rewards  Account).  We 
may also award bonus points for certain transactions 
and/or  for  promotions  (details  will  be  provided  with 
such offers) and such promotional points may take up 
to 10 weeks to appear. There is no limit to the number 
of points you may earn. If points are not redeemed, 
points  will  expire  after  six  calendar  years  on 
December 31. Accumulated points will be redeemed 
or  expire  on  a  first-in,  first-out  basis.  Except  for  the 
Cash  Rewards  option  described  below,  points  have 
no cash or retail value and may only be used to obtain 
Choice  Rewards  as  described  in  this  Agreement. 
Points  cannot  be  sold,  attached,  or  pledged  under 
any  circumstance.  We  have  the  right  to  suspend 
redemption rights of your points in the event there is 
a dispute between you and us, or between you and 
a  joint  owner  or  authorized  user.  Points  cannot  be 
used  to  pay  any  obligation  owed  to  us  or  any  third 
party,  or  be  used  in  conjunction  with  promotions  or 
discounts  offered  outside  of  this  program.  You  will 
not  accumulate  points  for  Qualifying  Purchases  on 
your  OneAZ  CU  Choice  Rewards  Credit  Card  if  it 
is  flagged  as  Suspended,  Lost/Stolen,  Over-  limit, 
Past  Due,  Voluntary  Closed,  Revoked,  or  otherwise 
not  in  good  standing  with  OneAZ  CU.  Your  Choice 
Rewards  Account  balance  may  be  reduced  by  any 
returns,  credits  or  other  refunds,  charge  reversals, 
chargebacks  or  other  disputes,  or  point  forfeitures 
resulting  from  Card  Account  closure  or  default,  and 
may  be  negative  if  credits  for  a  particular  period 
exceed purchases of goods and services. We will not 
give  you  notice  of  forfeiture.  You  are  not  entitled  to 
compensation from us or any other entity when your 
points expire or are forfeited for any reason.

5.  REDEMPTION  OF  POINTS.  You  can  redeem 
accumulated  points  to  obtain  Choice  Rewards  
through the Website at www.curewards.com. Choice 
Rewards  must  be  obtained  directly  from  the  Choice 
Rewards Program administrator and not by any other 
means  (including  telephonic,  in-person,  internet  or 
wireless  communications)  through  any  third  party 

including  any  other  seller,  charter,  agencies,  airlines, 
associations  or  persons  engaged  in  the  business  of 
reserving,  arranging  or  procuring  travel  discounts  or 
arrangements, tickets, vouchers, or gift cards. We may 
take direction from any Authorized Cardholder when 
redeeming  your  accumulated  points.  We  and  our 
Choice  Rewards  Program  Administrator  will  not  be 
liable for fulfilling Choice Rewards requests we believe 
in  good  faith  are  made  by  any  person  claiming  the 
authority to act on your behalf. In addition, you may  
not  redeem  accumulated  points  if  your  OneAZ  CU 
Choice Rewards Credit Card is flagged as Suspended, 
Lost/Stolen,  Over-limit,  Past  Due,  Voluntary  Closure, 
Revoked,  or  otherwise  not  in  good  standing  with 
OneAZ CU.  Redeemed merchandise may be shipped 
within  the  48  contiguous  United  States  only.  Gift 
Cards may be shipped within all 50 states.

6.  CHOICE  REWARDS.  You  can  use  your  points 
to  obtain  travel  benefits,  merchandise,  gift  cards, 
and  cash  back  (collectively  Choice  Rewards).  The 
complete selection of Choice Rewards is available at 
www.curewards.com. All Choice Rewards are subject 
to  availability  and  restrictions  of  Travel  Supplier  or 
Service  Provider.  Choice  Rewards  and  number  of 
points  required  or  reward  levels  may  be  changed 
or  substituted  at  any  time  at  the  sole  discretion 
of  OneAZ  CU  for  any  reason.  OneAZ  CU  and  the 
Choice  Rewards  Program  Administration  have  the 
final  authority  on  all  decisions  regarding  all  Choice 
Rewards  ticketing,  pricing  and  availability  and  the 
interpretation  of  the  Terms  and  Conditions  in  this 
Agreement and Cardholder Agreements. 

Travel  Rewards.  You  must  make  all  Travel  Rewards 
reservations  via  www.curewards.com.  Travel  Choice 
Rewards  may  not  be  used  for  minors  traveling 
unaccompanied by an adult. Redeemed points will be
deducted  from  your  Choice  Rewards  Account  at 
the  time  of  booking.  Any  fees  associated  to  the 
applicable redemption or ticket purchase will be the 
responsibility  of  the  traveler  at  the  time  of  booking. 
All  Travel  Choice  Rewards  must  be  issued  at  the 
time of booking or reservations will not be held. No 
point  amounts,  Travel  Choice  Rewards  availability, 
or  dates  of  travel  are  confirmed  until  the  required 
number of points have been deducted and any cash 
balances  have  been  paid,  and  the  tickets  or  travel 
documents  have  been  issued.  Airline  travel  must  be 
completed  by  the  expiration  date  indicated  on  the 
airline travel document. The Choice Rewards Program 
Administrator has the right to cancel the booking in 
the event of non-payment or payment dispute. In the 

event  that  your  credit  card  is  declined,  the  Choice 
Rewards  Program  Administrator  will  attempt  to 
collect payment up to two times. If we are unable to 
obtain authorization, your package will be subject to 
cancellation  and  standard  penalties  will  be  applied. 
Choice  Rewards  are  valid  only  in  conjunction  with 
individual  travel  and  are  not  applicable  to  group 
travel,  package  tours,  conventions  or  other  special 
rates and/or package programs, food and beverage 
credits,  incidental  expenses,  or  service  charges.  You 
have  the  option  to  redeem  Travel  Choice  Rewards 
using  a  combination  of  Choice  Rewards  points  and 
may  offset  the  remainder  of  the  total  trip  cost  by 
paying in dollars with your OneAZ CU Choice Rewards 
Credit  Card  or  you  may  pay  for  the  entire  booking 
directly with your OneAZ CU Choice Rewards Credit 
Card  without  using  points.  If  applicable,  any  fees  or 
redemption  associated  charges  will  appear  on  your 
monthly  credit  card  statement  as  Trip  Charges.  All 
airline  tickets  booked  in  exchange  for  points  are 
nonrefundable,  nonendorsable  and  nontransferable. 
Changes  to  bookings  are  subject  to  the  Choice 
Rewards Program Administration fees and conditions. 
All changes must be within the same travel region as 
defined by the carrier’s fare rules and meet the booking 
requirements in effect at the time of the change. Any 
additional costs due to a permitted change are your 
responsibility and will be collected in U.S. dollars, not 
points,  with  your  OneAZ  CU  Choice  Rewards  Credit 
Card. You are responsible for any change, cancellation 
or  additional  collection  fees  imposed  by  the  airline. 

All  tickets  must  be  obtained  through  the  Choice 
Rewards  Program  Administrator  on  an  approved 
airline  carrier.  There  are  blackout  dates  and 
restrictions.  Generally,  tickets  cannot  be  booked 
up  to  six  (6)  months  in  advance.  You  may  choose 
the  carrier  and  travel  dates  subject  to  availability 
and  blackout  dates.  You  may  choose  flights  that  are 
nonstop, direct, one-way, involve a change of planes, 
or  flights  into  and  out  of  different  airports.  Our 
Choice Rewards Program Administrator reserves the 
right  to  decline  to  obtain  tickets  from  carriers  with 
unreliable  service  records.  Tickets  on  some  carriers 
may  not  be  available  from  time  to  time.  Further, 
due  to  the  government  regulations  and  federal  law, 
tickets  to  some  destinations  may  not  be  available. 
You  are  responsible  for  paying  any  miscellaneous 
costs,  including  baggage,  airport/airline  fees  and 
surcharges,  government  imposed  fees,  airline  fuel 
surcharges, gratuities, insurance and airline amenities. 
Tickets may be purchased in your name or the name of 
any other individual you designate. You may purchase 

for 

information  regarding  airline 

companion  full  fare  tickets  using  your  OneAZ  CU 
Choice  Rewards  Credit  Card.  You  agree  to  pay  the 
additional administrative fee that may be charged to 
your OneAZ CU Choice Rewards Credit Card for each 
companion fare purchased. Points are fully redeemed 
when an airline ticket is issued. All tickets booked are 
non-refundable  and  are  subject  to  all  airline  rules, 
restrictions  and  limitations,  which  include  exclusions 
and  limitations  of  liability.  Please  consult  your  air 
liability 
carrier 
limitations,  baggage  liability  and  other  regulations 
of  the  Warsaw  Convention  and  other  regulations. 
There are no exchanges or refunds if you fail to make 
a  flight.  All  returns,  exchanges,  and  cancellations 
should  be  handled  directly  with  the  airline  issuing 
your ticket. For this service, the airlines charge a fee 
per ticket in conjunction with any additional airfare. If 
the  Choice  Rewards  Program  Administrator  handles 
an  exchange,  there  will  be  an  additional  fee  per 
ticket.  You  are  responsible  for  any  fare  increases  for 
ticket changes. Any change to your flight itinerary is 
subject to the airline’s terms and conditions, including 
any  applicable  change  fees.  We  and  the  Choice 
Rewards  Program  Administrator  are  not  responsible 
for  communication  of  airline  schedule  changes.  You 
should reconfirm flight reservations at least 24 hours 
prior  to  departure  for  domestic  reservations  and  72 
hours prior to departure for international reservations. 
Failure to use any reservations may result in automatic 
cancellation of all continuing and return reservations.
You must advise the airlines if your travel plans change
en route. You should check with each airline regarding
its specific boarding and check-in requirements. You
must  have  a  valid  photo  ID  for  airport  check-in. 
Additional  documentation  such  as  a  Passport,  Visa, 
and  certain  health  requirements  may  be  required 
for  travel  outside  of  the  United  States  and  is  your 
responsibility.  We  and  the  Choice  Rewards  Program 
Administrator are not responsible for the performance 
of the airlines or any provider of travel services under 
the  Program,  including  but  not  limited  to  delivery, 
bankruptcy,  and  schedule  changes.  In  the  event 
an  airline  ceases  flying  and  tickets  sold  for  future 
travel are not honored by other airlines, you will not 
receive a refund or points credit. Additional costs for 
overnight delivery of tickets or for delivery outside of 
the U.S. shall be at your expense and will be charged 
to your OneAZ CU Choice Rewards Credit Card. Lost, 
stolen, otherwise destroyed or expired tickets cannot 
be reissued or replaced.

Other  Travel  Benefits.  Travel  rewards  may  include 
Car  Rental,  Hotels,  Cruises,  Vacations,  Experiences 

and Insurance. The availability and point requirements
of travel rewards may change from time to time. Please 
check www.curewards.com for details, program rules 
and restrictions.

Gift  Cards  and  Merchandise  Rewards.  Each  gift 
card  and  merchandise  point  redeemed  equals  one 
cent  ($0.01)  towards  the  gift  card  or  merchandise 
price.  You  may  redeem  points  to  obtain  Gift  Cards 
or  merchandise  that  we  make  available  through  the 
Program, subject to availability. If a particular Reward 
is  no  longer  available  or  is  out  of  stock,  we  reserve 
the  right  to  offer  a  substitute  of  equal  or  greater 
value. You may not purchase a Gift Card in an amount 
greater than the maximum card value for that award. 
We may change the selection and number of points 
needed to obtain a Gift Card or Merchandise Reward 
at any time without notice to you. Gift Card must be 
presented  directly  to  the  participating  merchant  at 
participating  locations.  Mechanical  reproductions, 
copies, or facsimiles of Gift Cards will not be accepted. 
Gift Cards are transferable to and may be redeemed 
by any person. Gift Cards may be shipped within all 50 
states, allowing 3 to 4 weeks for delivery. Additional 
costs for overnight delivery of Gift Cards or for delivery 
outside of the U.S. shall be at your expense and will 
be charged to your OneAZ CU Choice Rewards Credit 
Card.  Additional  terms,  conditions,  restrictions  and 
limitations appearing on the Gift Cards or packaging 
will also apply and are to be interpreted in accordance 
with, and are incorporated into, this Agreement. Gift 
Cards  will  expire  on  the  date  shown  on  the  card 
(approximately one year from the date of issue). Gift 
Cards may only be used once, are not exchangeable, 
refundable,  or  transferable  to  a  different  Reward  or 
redeemable  for  cash,  and  will  not  be  reissued  or 
replaced  if  lost,  stolen,  destroyed,  or  expired.  Gift 
Cards and Merchandise Rewards are shipped prepaid 
and  cannot  be  returned  or  exchanged  unless  the 
merchandise  arrived  damaged,  defective  or  if  the 
wrong  item  was  shipped.  Returns  and  exchanges 
must be sent to the address on the packing slip within 
60  days  of  the  date  of  your  receipt.  You  may  return 
damaged  or  defective  Gift  Cards  or  Merchandise 
for  replacement  with  the  same  Reward.  There  are 
no refunds for any Gift Card or Merchandise Choice 
Rewards.  Gift  Cards  and  Merchandise  may  only  be 
shipped to a street address within the United States, 
not  a  P.O.  Box,  APO  or  FPO  address.  Some  items 
may  not  be  shipped  to  Alaska  or  Hawaii.  Under  no 
circumstances should items be shipped directly to any 
OneAZ Credit Union location. Only standard shipping 
is  available  for  Merchandise  Rewards,  allowing  for  4