Tech CU Rewards Points Terms and Conditions

Tech CU Rewards Points (“Program”) is a promotional incentive program offered by Technology Credit Union “Tech CU” (“Issuer,” “we,” and “us”) and administered by our Program Administrator, BreakAway Loyalty LLC. Under the Program, you will earn points every time you make a qualifying purchase or engage in a qualifying transaction (“Qualifying Purchase”) with a Tech CU Visa Signature® credit card that is in good standing as determined by Tech CU. You can use these points to obtain merchant gift or travel certificates, gift cards, merchandise and much more (referred to generally as “Rewards”). By participating in the Program, you are agreeing to be bound by the following terms and conditions. In addition to these terms and conditions, your card agreement (the “Card Agreement”) with us relating to your use of your Tech CU Visa Signature credit card shall also continue to govern your use of the Program. In the event of a conflict between the Card Agreement and these terms and conditions, the Card Agreement will govern (except these terms and conditions shall govern in any matter relating to the Program).

Qualifying Purchases

Qualifying Purchases with a Tech CU Visa Signature credit card account can earn points. A “Qualifying Purchase” is any signature-based purchase, Internet purchase, phone or mail order purchase, bill payment, contactless purchase (purchases made by holding your card or other device up to a secure reader instead of swiping your card), or small dollar purchases for which you are not required to sign, made with an enrolled card. PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments of existing card balances, balance transfers, cash advances, ATM transactions, convenience checks, fees charged by us (for example, annual fees, finance charges, and related service charges, if any apply), payments made for pre-paid and re-loadable cards such as certain gift cards, and similar cards, payments made for payment instruments that can readily be converted to cash (for example, wire transfers and similar products or services), are not Qualifying Purchases. We reserve the right to determine in our sole discretion whether a particular card transaction is a Qualifying Purchase.

Tech CU Rewards Points

Once your Tech CU Visa Signature credit card is open, you will start earning points for the Qualifying Purchases made with your Tech CU Visa Signature credit card account based on the actual purchase amount, including tax. You will earn 1.25 points for each $1.00 of a Qualifying Purchase made with your account. Purchase amounts, including tax, will be rounded up to the nearest whole dollar amount to determine the number of points to be posted to your Tech CU Rewards Points Account. If you make a Qualifying Purchase in part with your Visa Signature credit card and in part with another form of payment (known as a “split-tender” transaction), you will earn Tech CU Rewards Points only for the amount you pay with your Tech CU Visa Signature credit card. Any returns, credits, or chargebacks earn “negative” points and such “negative” points will reduce the total points posted to the Tech CU Rewards Points Account. Qualifying Purchases you make while your VISA Signature credit card account is not in good standing will not accrue any points. Occasionally, Tech CU may authorize an adjustment to your Tech CU Rewards Points account balance. These adjustments can be positive or negative. Details on adjustments can be found on the Program website or by speaking with a Tech CU member service representative. Points have no other value, except to obtain Rewards as set forth below. You may not purchase points. You also may gift your Tech CU Rewards Points Account to another Tech CU Rewards Points Account; see section on gifting.

Point Activity/Redemption/Expiration/Forfeiture

You can view your Tech CU Rewards Points balance and points earning and redemption activity at any time. Go to Online Banking at www.techcu.com and follow the links to the Program website. You can also call (855) 445-7683 for such information. It may take up to two weeks for some of your Qualifying Purchases to post to your Tech CU Rewards Points Account. Some Qualifying Purchases, for example online purchases, or foreign transactions, and bonus points, may take longer to be posted. Points are redeemed on a “next to expire” basis, such that points nearest to expiration will be the first points redeemed over the life of your Tech CU Rewards Points Account. Once a redemption order is placed, your Tech CU Rewards Points Account will be reduced by the number of points used to acquire the Reward. If your Reward order is cancelled or the Reward item becomes unavailable (and there is no substitute Reward available) your points will be reinstated and you will be notified of the cancelled Reward order. Points will accumulate over 3 years. Points not redeemed within 3 years of having been earned will expire on a first-in, first-out basis. Your positive point balance will be forfeited if your card account is closed by you or by us. You may not be provided with notice of expiration or forfeiture of points. You are not entitled to compensation from us, or from any other entity, when your points expire or if they are forfeited for any reason.

Airline Travel Rewards

You may use Points toward the purchase of an airline ticket on any airline carrier that can be booked by BreakAway Loyalty travel service at the Point redemption rate of 1 point per $0.01 of airline travel reward value. Airline tickets may be booked online or by calling (855) 445-7683. Airline tickets will be for no more than the amount designated in the redemption schedule, including tax and destination charges, unless you elect to pay the difference in fare and have this amount charged to your Credit Card account on record with us. We reserve the right to exclude an airline for safety or quality purposes. We do not guarantee the availability of any flight, airline or seat. Tickets will be coach class, unless otherwise noted, and confirmed at the airline’s lowest applicable fare in the market. You are responsible for any taxes, fees, or other charges associated with the issuance of tickets for airline travel but not otherwise covered by the airline’s redemption of travel rewards. Interim stopovers of more than four (4) hours, circle trips, or open jaw itineraries are not permitted. There is no limitation on the number of connections and there are no blackout dates. All airline ticket rewards are subject to availability. All airline ticket rewards are non-refundable and non-changeable, unless you elect to change the ticket directly with the airline and you are willing to pay any fees charged by the airline for changes. Tickets are subject to the applicable airline rules and regulations. Tickets cannot be booked more than ten (10) months in advance. The Program and BreakAway Loyalty are not responsible for communication of airline schedule changes. Flight reservations should be reconfirmed at least 72 hours prior to departure directly with the ticketing airline. The traveler will need to have a government-issued photo ID at airport check-in. Failure to show for a ticketed flight reservation will invalidate the use of the airline ticket and result in forfeiture of redeemed Points for the ticket.

Transaction Eraser Credits

Transaction Eraser Credits are account credits that can reduce your credit card balance, however, you are still required to make your minimum payment. The point redemption rate is 1 point per $0.01 of value, with a minimum redemption amount of $25. These are available on qualifying purchases made in the last 90 days. Please allow up to five (5) business days for the account credit to post. Only one Transaction Eraser credit allowed per qualifying purchase transaction.

Gifting of Tech CU Rewards Points

You may gift your points to another Tech CU Rewards Points Account, and gifting is free. Points may be gifted in any denomination and can be gifted to accounts that are open and in good standing with Tech CU. Gifted points expire twelve (12) months from the date the points are gifted.

Rewards/Shipping

To redeem points in your Tech CU Rewards Points Account, log on to Online Banking at www. techcu.com and go to the Program website or call (855) 445-7683. You can only redeem points to the extent that you have the required number of points in your Tech CU Rewards Points Account. You cannot combine points in one Tech CU Rewards Points Account with points in another Tech CU Rewards Points Account, though gifting is allowable. All Rewards are subject to availability and have no cash value. Each Reward will be subject to terms and conditions specific to the Reward that will be provided to you in conjunction with the Reward. These terms and conditions may address such matters as the expiration date of the Reward; anticipated shipping time for the Reward; the purchase or other requirements to obtain or use the Reward; any warranties for the Reward; or any other limitations or restrictions on obtaining, retaining or using the Reward. Neither we nor BreakAway Loyalty are liable to you if a Reward expires prior to your use of the Reward. An expired Reward will no longer be available for use or redemption. The number of points required to obtain these Rewards will be deducted at the time of your redemption request and will be refunded to your Tech CU Rewards Points Account in the event that you fail to make the purchase or take the other specified action within the required time period. Many of the Rewards are certificates/cards that are redeemed at a participating merchant location. You and the merchant are responsible for compliance with all laws related to the Reward, including the payment and collection of any federal, state or local taxes. There is no shipping or handling fee for standard delivery of the Rewards. Rewards generally will be sent to you within four weeks of placing your Rewards order. Shipping times may vary. Check the terms and conditions of the particular Reward for details. Rewards cannot be shipped to any address outside of the 50 United States or the District of Columbia, but can be shipped to APO/FPO addresses. Any merchandise Reward, if it has been damaged in transit, can be returned to the Program Administrator in its original packaging within ten (10) days of your receipt, in which event you will receive a full reinstatement of the points you redeemed to acquire the Reward. Call (855) 445-7683 for return instructions. All non-merchandise Rewards (for example, gift cards and certificates) cannot be returned. Except as otherwise provided above in connection with merchandise damaged in transit, redeemed Rewards are not refundable, exchangeable, replaceable, redeemable, or transferable for cash, credit, other Rewards or points under any circumstances. Tech CU, BreakAway Loyalty, and participating merchants are not responsible for replacing lost, stolen, or mutilated Rewards, including retail or travel certificates, gift certificates, gift cards or merchandise. For a current list and description of the Rewards, as well as the number of points necessary to obtain each Reward, go to the Program website by logging on to Online Banking at www.techcu.com and follow the links to the Program website, or call (855) 445-7683.

Communications

Tech CU Rewards Points account balances are available through Online Banking at www.techcu.com on the Program website. We may communicate with you regarding any matter related to the Program via mail, via telephone or via electronic communications. All electronic communications from us are deemed to be communications “in writing” and are deemed to be delivered no later than the earlier of the date actually received (or five days from the date of posting or dissemination).

Lost, Stolen or Damaged Cards

You will not lose the points in your Tech CU Rewards Points Account if your Tech CU Visa Signature credit card is lost, stolen or damaged and we provide a replacement card, even if such replacement card has a different card number. If your Tech CU Visa Signature credit card is lost or stolen, first call us at the telephone number provided in the Card Agreement, or call Tech CU directly at (800) 553-0880, to report the loss or theft. When your replacement card is reissued, your Tech CU Rewards Points Account will automatically be linked to the new card.

Member Service

If you have a problem or question regarding whether you earned points from a particular Qualifying Purchase, or want to know whether a Reward was properly redeemed or the status of your redemption order, or want to ask any other question regarding the Program, you can reach the Program Administrator at www. techcu.com, via telephone at (800) 553-0880, or Tech CU at P.O. Box 1409, San Jose, CA 95109-1409. If you contact us regarding an error or mistake with respect to your Tech CU Rewards Points Account, we will use reasonable efforts to investigate and correct the error or mistake, subject to the limitations set forth in these terms and conditions. In any event, you must notify us within 60 days of the posting date (or the date of the alleged error or mistake) in order for us to undertake an investigation of the matter. We may require you to provide written confirmation of the alleged error or mistake. If we do not receive the requested written confirmation at the address and within the time frame requested by us, we may in our sole discretion determine not to correct the alleged error or mistake. If we complete our investigation of the alleged error or mistake and notify you of our determination, we have no further responsibilities should you later reassert the same alleged error or mistake. All questions or disputes regarding the Program, including eligibility, earning points, or redemption of points for Rewards, will be resolved by us in our sole discretion.

Changes to the Program

We may modify, restrict or change the Program at any time. These changes may include (but are not limited to) changing the number of points you earn for a particular type of activity or the number of points you need to reach a particular Reward tier or to redeem a particular Reward; omitting or adding reward levels or categories; changing the selection of Rewards; imposing, increasing or eliminating points caps or Program fees; or changing the conditions under which points expire or are forfeited. We will notify you of material changes to the Program terms and conditions through the Program website and you will be bound by the revised terms and conditions. You agree that providing notice on the Program Website is a satisfactory method of notifying you. We also reserve the right to suspend or terminate the Program, or your participation in the Program, at any time without compensation to you.

Disclaimers and Limitations

Neither we nor BreakAway Loyalty are responsible for any disputes between or involving joint cardholders or authorized users relating to points, gifting of Rewards, redemption for Rewards, or use of Rewards. Rewards are provided by a variety of merchants. Authorized users are not eligible to redeem points. We and our service providers, including BreakAway Loyalty, are not responsible to you for the quality or performance of the Rewards or the products or merchandise purchased or obtained with the Rewards. You may be subject to additional terms and conditions, warranties or other requirements of the merchant, manufacturer or other Rewards provider. Neither we nor BreakAway Loyalty make any guarantee, warranty or representation of any kind, express or implied, with respect to the Rewards, including (but not limited to) warranties of merchantability or fitness for a particular purpose. We and BreakAway Loyalty are not liable for any injury, damage or loss to person or property or any expense, accident or inconvenience that may arise from the use of the points, or the use of the Rewards or products or merchandise purchased or obtained with the Rewards, or otherwise in connection with the Program. Further, we and BreakAway Loyalty are not responsible for merchants, manufacturers or other Rewards providers that discontinue or cancel a Reward due to bankruptcy or for any other reason. Neither we nor BreakAway Loyalty makes any representation or endorsement of any Reward, merchant or other provider of a Reward in connection with the Program. You hereby release and hold us, BreakAway Loyalty and all parties associated with the Program harmless from any claim, liability or damage relating to the Program or your use of the Rewards. Any Reward offered under this Program is void where prohibited by law. Notwithstanding anything in these terms and conditions to the contrary, we, BreakAway Loyalty and any of their service providers shall have no liability to you in connection with the Program.

Privacy

All information collected about you in connection with the Program is subject to our privacy policy.