Coign&Reward&Program&Terms&and&Conditions&
!"#$#%&'()*%+#,-./%0.').-1%!#.1$%-*/%&'*/(2('*$%34!#.1$56%-7789%2'%9':.%.#;'8;(*)%<.#/(2%<-./%-<<':*2%
34=<<':*256%'>>#.#/%?9%@+A%B-*C$%3/#D(*#/%"#.#(*%-$%4,#5E%4:$5%'.%4':.56F%G>%9':.%=<<':*2%1##2$%2"#%#8()(?(8(29%
<.(2#.(-%$#2%>'.2"%?#8',E%9':%1-9%#-.*%<-$"%?-<C%7'(*2$%34&-$"%B-<C%0'(*2$56%-*/%.#/##1%9':.%&-$"%B-<C%
0'(*2$%#H<8:$(;#89%>'.%$2-2#1#*2%<.#/(2%'*%9':.%=<<':*2%34+#,-./$56F%I':%-<C*',8#/)#%2"-2%*#(2"#.%&-$"%B-<C%
0'(*2$%*'.%+#,-./$%"-;#%<-$"%;-8:#E%-*/%,#%,(88%*'2%7.';(/#%9':%,(2"%<-$"%(*%<'**#<2('*%,(2"%9':.%=<<':*2%
'.%2"#$#%!#.1$F%I':%-).##%2"-2%2"#$#%!#.1$%?#<'1#%#>>#<2(;#%-*/%-7789%2'%9':%-*/%-88%=:2"'.(J#/%K$#.$%'>%
9':.%=<<':*2%2"#%D(.$2%2(1#%2"-2%9':%'.%-*9%=:2"'.(J#/%K$#.%:$#%9':.%=<<':*2%->2#.%,#%7.';(/#%2"#$#%!#.1$%2'%
9':F%I':.%&-./"'8/#.%=).##1#*2%34=).##1#*256%(*<8:/#$%/#D(*(2('*$%'>%2#.1$%$:<"%-$%49':E5%49':.E5%
4=:2"'.(J#/%K$#.E5%-*/%'2"#.%2#.1$%2"-2%-.#%:$#/%(*%?:2%*'2%/#D(*#/%?9%2"#$#%!#.1$F%LH<#72%-$%#H7.#$$89%
1'/(D(#/%?9%2"#$#%!#.1$E%-88%2#.1$%'>%9':.%=).##1#*2%,(2"%:$E%(*<8:/(*)%9':.%<'*$#*2%>'.%<#.2-(*%=<<':*2%
&'11:*(<-2('*$E%.#1-(*%(*%#>>#<2%-*/%-7789%2'%9':.%=<<':*2%-*/%2"#%&'()*%+#,-./%0.').-1%32"#%40.').-156F%%
MF Eligibility.%I':.%=<<':*2%($%#8()(?8#%>'.%2"#%0.').-1%(>%(2%($%'7#*%-*/%(*%)''/%$2-*/(*)F%G>%9':.%=<<':*2%($%
#8()(?8#%>'.%2"#%0.').-1E%,#%,(88%-:2'1-2(<-889%#*.'88%9':.%=<<':*2%(*%2"#%0.').-1F%I':.%=<<':*2%,(88%*'2%
-<<:1:8-2#%'.%#-.*%&-$"%B-<C%0'(*2$E%-*/%9':%1-9%*'2%.#/##1%&-$"%B-<C%0'(*2$E%-2%-*9%2(1#%,"(8#%9':.%
=<<':*2%($%(*%/#>-:82%:*/#.%2"#%=).##1#*2F%G>%9':%'.%,#%<8'$#%9':.%=<<':*2%2'%*#,%2.-*$-<2('*$%-2%-*9%
2(1#%-*/%>'.%-*9%.#-$'*E%-88%:*:$#/%&-$"%B-<C%0'(*2$%,(88%?#%(11#/(-2#89%>'.>#(2#/%-2%2"-2%2(1#%-*/%9':%
,(88%*'%8'*)#.%?#%#8()(?8#%2'%#-.*%&-$"%B-*C%0'(*2$E%.#/##1%&-$"%B-<C%0'(*2$%#-.*#/%>'.%+#,-./$E%'.%
'2"#.,($#%7-.2(<(7-2#%(*%2"#%0.').-1F%N#%.#$#.;#%2"#%.()"2%2'%/($O:-8(>9%9':%>.'1%7-.2(<(7-2(*)%(*%2"#%
0.').-1%>'.%-*9%0.').-1%-?:$#%'.%-*9%;('8-2('*%'>%2"#$#%!#.1$F%=*9%.#O:#$2%2'%.#/##1%:*:$#/%&-$"%B-<C%
0'(*2$%1:$2%?#%.#<#(;#/%'*%'.%?#>'.#%2"#%/-2#%2"#%&-$"%B-<C%0'(*2$%#H7(.#%-*/P'.%2"#%/-2#%2"#%0.').-1%
#*/$F%!"#%0.').-1%-*/%2"#$#%!#.1$%-.#%;'(/%,"#.#%7.'"(?(2#/%'.%.#$2.(<2#/%?9%8-,F%%
QF Earning&Cash&Back&PointsF%!"#%-1':*2%'>%&-$"%B-<C%0'(*2$%9':%,(88%#-.*%>'.%#-<"%<-8#*/-.%1'*2"%,(88%?#%
MR%'>%2"#%/'88-.%-1':*2%'>%7:.<"-$#$%7'$2#/%2'%9':.%=<<':*2%/:.(*)%2"-2%<-8#*/-.%1'*2"E%1(*:$%-*9%
*#)-2(;#%&-$"%B-<C%0'(*2$%<.#/(2%?-8-*<#%2"-2%($%<.#-2#/%/:#%2'%.#2:.*$%'.%<"-.)#?-<C$%-$%1'.#%>:889%
#H78-(*#/%?#8',F%L8()(?8#%7:.<"-$#%-1':*2$%(*<8:/#%2-H#$%(17'$#/%'*%7:.<"-$#$%-*/%-.#%.':*/#/%2'%2"#%
*#-.#$2%,"'8#%/'88-.F%L8()(?8#%7:.<"-$#%-1':*2$%-.#%2"#*%1:82(78(#/%?9%9':.%&-$"%B-<C%0'(*2$%7#.<#*2-)#%
3<:..#*289%MR6%2'%/#2#.1(*#%2"#%-1':*2%'>%&-$"%B-<C%0'(*2$%#-.*#/F%%I':%<-**'2%#-.*%&-$"%B-<C%0'(*2$%
'*%2.-*$-<2('*$%'.%7:.<"-$#$%'>E%'.%.#8-2(*)%2'E%D(*-*<(-8%$#.;(<#$E%2.-*$-<2('*$%'.%7:.<"-$#$%.#8-2#/%2'%
8'22#.(#$E%)-1?8(*)E%'.%)-1?8(*)%8(C#%$#.;(<#$E%2-H%7-91#*2%'.%'2"#.%)';#.*1#*2%$#.;(<#$E%'.%>'.%7:.<"-$#$%
1-/#%:$(*)%9':.%&-$"%B-<C%0'(*2$%$2-2#1#*2%<.#/(2F%=//(2('*-889E%9':.%=<<':*2%,(88%*'2%#-.*%-*9%&-$"%
B-<C%0'(*2$%>'.%2.-*$-<2('*$%'2"#.%2"-*%7:.<"-$#$%3$:<"%-$%&-$"%=/;-*<#$%'.%B-8-*<#%!.-*$>#.$6E%>'.%-*9%
>.-:/:8#*2%'.%:*-:2"'.(J#/%7:.<"-$#$E%'.%>'.%-*9%G*2#.#$2%&"-.)#$%'.%S##$F%&-$"%B-<C%0'(*2$%,(88%*'2%?#%
#-.*#/%>'.%2.-*$-<2('*$%1-/#%,(2"%-%8'$2E%$2'8#*E%'.%>.-:/:8#*2%&-./%'.%=<<':*2%*:1?#.E%-*/%,(88%*'2%?#%
#-.*#/%>'.%2.-*$-<2('*$%2"-2%-.#%/##1#/%?9%:$E%(*%':.%$'8#%/($<.#2('*E%-$%>.-:/:8#*2F%N#%.#$#.;#%2"#%.()"2%
2'%/#2#.1(*#%,"#2"#.%-%2.-*$-<2('*%($%-%47:.<"-$#5%>'.%7:.7'$#$%'>%2"#$#%!#.1$%-*/%2'%;#.(>9%-*/%-/T:$2%
&-$"%B-<C%0'(*2$%-2%-*9%2(1#F%K*:$#/%&-$"%B-<C%0'(*2$%,(88%#H7(.#%-:2'1-2(<-889%QU%1'*2"$%->2#.%2"#%/-2#%
2"#9%-.#%#-.*#/%3(F#FE%2"#%-778(<-?8#%/-2#%'>%2"#%7:.<"-$#%2.-*$-<2('*6F%!"#.#%($%*'%-**:-8%8(1(2%'*%2"#%
-1':*2%'>%&-$"%B-<C%0'(*2$%2"-2%<-*%?#%#-.*#/F%!"#%-1':*2%'>%9':.%&-$"%B-<C%0'(*2$%,(88%?#%.#/:<#/%?9%
2"#%-1':*2%'>%9':.%&-$"%B-<C%0'(*2$%7#.<#*2-)#%3<:..#*289%MR6%1:82(78(#/%?9%-*9%<.#/(2E%.':*/#/%2'%2"#%
*#-.#$2%,"'8#%/'88-.E%7'$2#/%2'%9':.%=<<':*2%>'.%.#2:.*$E%<"-.)#?-<C$%'.%'2"#.%-/T:$21#*2$F%This&may&
result&in&a&negative&Cash&Back&Points&balance.&If&your&Cash&Back&Points&balance&is&negative,&any&
future&Cash&Back&Points&earned&will&>irst&go&towards&offsetting&the&negative&Cash&Back&Points&
balance&before&accumulating&for&redemption.%%
VF Redeeming&Cash&Back&PointsF%&-$"%B-<C%0'(*2$%1-9%?#%.#/##1#/%>'.%+#,-./$%,"#*%&-$"%B-<C%0'(*2$%
-.#%$"',*%'*%2"#%W2-2#1#*2%>'.%9':.%=<<':*2%'.%/($78-9#/%(*%2"#%&'()*%1'?(8#%-778(<-2('*%2'%.#)($2#.#/%
:$#.$F%&-$"%B-<C%0'(*2$%,(88%?#%7'$2#/%2'%9':.%=<<':*2%(*%2"#%<:..#*2%?(88(*)%<9<8#F%&-$"%B-<C%0'(*2$%<-*%
?#%#H<8:$(;#89%.#/##1#/%>'.%+#,-./$F%I':%1:$2%.#/##1%-88%#-.*#/%&-$"%B-<C%0'(*2$%,"#*%9':%#8#<2%2'%
.#/##1F%=2%2"($%2(1#E%9':%-.#%:*-?8#%2'%.#/##1%'*89%-%7'.2('*%'>%9':.%&-$"%B-<C%0'(*2$F%&-$"%B-<C%0'(*2$%
"-;#%*'%<-$"%;-8:#%-*/%1-9%'*89%?#%:$#/%>'.%+#,-./$%-$%/#$<.(?#/%-?';#F%&-$"%B-<C%0'(*2$%1-9%*'2%?#%
2.-*$>#..#/%'.%:$#/%(*%-*9%1-**#.E%#H<#72%2'%.#/##1%>'.%O:-8(>9(*)%+#,-./$%(*%-<<'./-*<#%,(2"%2"#$#%
!#.1$F%%
UF CommunicationF%I':%:*/#.$2-*/%-*/%-).##%2"-2%,#%-*/%':.%/#$()*-2#/%$#.;(<#%7.';(/#.$%-.#%#H7.#$$89%
-:2"'.(J#/%2'%<'11:*(<-2#%,(2"%9':%>.'1%2(1#%2'%2(1#%-?':2%2"#%0.').-1E%2"#$#%!#.1$E%7.'1'2('*-8%
0.').-1%'>>#.$E%9':.%-<<:1:8-2#/%&-$"%B-<C%0'(*2$E%-*/P'.%&-$"%B-<C%0'(*2$%.#/##1#/E%-*/%+#,-./$%
:$(*)%2"#%<'*2-<2%(*>'.1-2('*%,#%1-(*2-(*%>'.%9':%-*/%9':.%=<<':*2F%I':%#H7.#$$89%-:2"'.(J#%:$%2'%
<'11:*(<-2#%2"($%(*>'.1-2('*E%-2%':.%'72('*E%?9%/($78-9(*)%(2%'*%=<<':*2%W2-2#1#*2$%'.%2"#%0.').-1%
,#?$(2#%3<'()*F<'16%?9%:$(*)%-*9%-;-(8-?8#%,.(22#*E%#8#<2.'*(<E%'.%;#.?-8%1#-*$%'>%<'*2-<2(*)%9':%>'.%
&'11:*(<-2('*$%2"-2%($%7#.1(22#/%?9%2"#%=).##1#*2%'.%*'2%'2"#.,($#%7.'"(?(2#/%?9%8-,%3(*<8:/(*)E%
,(2"':2%8(1(2-2('*E%':.%:$#%'>%1-*:-8%<-88(*)%1#2"'/$E%7.#.#<'./#/%'.%-.2(D(<(-8%;'(<#%1#$$-)#$E%2#H2%
1#$$-)#E%#1-(8%1#$$-)#$E%-*/P'.%-:2'1-2(<%2#8#7"'*#%/(-8(*)%$9$2#1$6F%X#$7(2#%':.%?#$2%#>>'.2$%2'%#*$:.#%
-<<:.-<9E%7.(*2(*)%-*/%,#?$(2#%#..'.$%1-9%'<<-$('*-889%'<<:.F%N#%.#$#.;#%2"#%.()"2%2'%<'..#<2%#..'.$%-2%-*9%
2(1#E%#;#*%(>%$:<"%#..'.$%(17-<2%9':.%&-$"%B-<C%0'(*2$%?-8-*<#F%Y#(2"#.%,#%*'.%':.%$#.;(<#%7.';(/#.$%-.#%
.#$7'*$(?8#%>'.%-*9%/#8-9%'.%/(>D(<:829%(*%-<<#$$(*)%2"#%0.').-1%2".':)"%2"#%&'()*%1'?(8#%-77$%/:#%2'%
$<"#/:8#/%1-(*2#*-*<#%'.%<(.<:1$2-*<#$%?#9'*/%':.%<'*2.'8F%
ZF Governing&LawF%!"#%0.').-1%-*/%2"#$#%!#.1$%-.#%)';#.*#/%?9%@($$':.(%8-,F%
[F Tax&LiabilityF%I':%-.#%$'8#89%.#$7'*$(?8#%>'.%/#2#.1(*(*)%-*/%7-9(*)%-*9%2-H%8(-?(8(29%2"-2%1-9%.#$:82%>.'1%
9':.%7-.2(<(7-2('*%(*%2"#%0.').-1F%08#-$#%<'*$:82%9':.%2-H%-/;($'.%>'.%1'.#%(*>'.1-2('*F%
\F Changes&to&the&Program&and&the&TermsF%N#%1-9E%(*%':.%$'8#%/($<.#2('*%-*/%-2%-*9%2(1#%,(2"':2%*'2(<#E%
<-*<#8%2"#%0.').-1%'.%-//%2'E%1'/(>9%'.%#8(1(*-2#%-*9%-$7#<2%'>%2"#%0.').-1%'.%-*9%7.';($('*%'>%2"#$#%
!#.1$F%!"#%<"-*)#$%,#%1-9%1-C#%(*<8:/#E%?:2%-.#%*'2%8(1(2#/%2'E%<"-*)#$%2'%2"#%0.').-1%-/1(*($2.-2'.E%
2"#%1#2"'/%'>%-<<:1:8-2(*)%&-$"%B-<C%0'(*2$%-*/%2"#%<(.<:1$2-*<#$%(*%,"(<"%&-$"%B-<C%0'(*2$%1-9%?#%
.#/##1#/%>'.%+#,-./$%'.%>'.>#(2#/F%!"#%1'$2%<:..#*2%;#.$('*%'>%2"#%!#.1$%2"-2%-7789%2'%2"#%0.').-1%-.#%
-;-(8-?8#%2'%9':%2".':)"%<'()*F<'1F%G*%2"#%#;#*2%2"#%0.').-1E%9':.%7-.2(<(7-2('*%(*%2"#%0.').-1E%'.%9':.%
=<<':*2%($%2#.1(*-2#/%'.%<-*<#8#/E%#-.*#/%?:2%*'2%.#/##1#/%&-$"%B-<C%0'(*2$%,(88%?#%>'.>#(2#/E%#H<#72%-$%
.#O:(.#/%?9%8-,F%%
]F Release&of&LiabilityF%!"#%0.').-1%($%7.';(/#/%,(2"':2%.#7.#$#*2-2('*%'.%,-..-*29%'>%-*9%C(*/E%#(2"#.%
#H7.#$$%'.%(178(#/E%2'%2"#%#H2#*2%7#.1(22#/%?9%-778(<-?8#%8-,F%I':%-).##%2"-2%,#%-*/%':.%->D(8(-2#$E%
.#7.#$#*2-2(;#$E%-*/%$#.;(<#%7.';(/#.$%-.#%*'2%8(-?8#%2'%9':%>'.%-*9%/-1-)#$%,"-2$'#;#.E%(*<8:/(*)E%
,(2"':2%8(1(2-2('*E%/(.#<2E%(*/(.#<2E%$7#<(-8E%<'*$#O:#*2(-8E%(*<(/#*2-8E%'.%7:*(2(;#%/-1-)#$E%'.%>'.%-*9%
'2"#.%8'$$#$%'.%#H7#*$#$%-.($(*)%(*%<'**#<2('*%,(2"%7-.2(<(7-2('*%(*%2"#%0.').-1F%I':%-).##%2'%.#8#-$#E%
/($<"-.)#E%-*/%"'8/%"-.18#$$%:$%-*/%':.%$#.;(<#%7.';(/#.$%>.'1%-*9%-*/%-88%<8-(1$E%#H7#*$#$%'.%8#)-8%>##$%
-.($(*)%>.'1%'.%.#8-2#/%2'%7-.2(<(7-2('*%(*%2"#%0.').-1%'.%-*9%;('8-2('*%'>%2"#%!#.1$%?9%9':%'.%-*9'*#%
:$(*)%9':.%=<<':*2E%-*/%9':%.#8#-$#%:$%-*/%-88%'>%':.%->D(8(-2#$E%.#7.#$#*2-2(;#$E%-*/%$#.;(<#%7.';(/#.$%
>.'1%-*9%-*/%-88%8(-?(8(29%(*%<'**#<2('*%,(2"%2"#%0.').-1F%
^F Inquiries&about&the&ProgramF%=88%(*O:(.(#$%-?':2%2"#%0.').-1%$"':8/%?#%/(.#<2#/%2'%2"#%&:$2'1#.%
W:77'.2%!#-1_%2'88`>.##%]VV`[^a`QU\ME%/:.(*)%(2$%.#):8-.%?:$(*#$$%"':.$%3@'*/-9%2".':)"%S.(/-9E%]_aa%
-F1F%2'%Z_aa%7F1FE%&#*2.-8%!(1#6F%%