PARTICIPANT AGREEMENT

AWARDS BANK SYSTEM ACCOUNT HOLDER TERMS AND CONDITIONS

IMPORTANT NOTICE: VOID WHERE PROHIBITED. THIS PROGRAM IS VALID ONLY WHEN ALLOWED BY STATE LAW. CHECK WITH YOUR STATE BEFORE REGISTERING FOR ANY REWARDS PROGRAM.

This is your Awards Bank System Account Holder Agreement. Please note: Although this is not a cash reward, any form of remuneration or inducement may not be permitted by state law. Some States do not allow any form compensation for premium finance business. Always check with your state regulations before entering into any form of agreement. Please read this agreement carefully and keep it for your records. All transactions made with your Account are subject to the terms of this Agreement and are also subject to the terms that govern the rewards program(s) associated with your Account. By accepting and retaining the benefits of your Account, you agree to all terms and conditions in this Agreement, as well as future terms and conditions and program/service changes.

1. Points earned are a maximum of one cent per hundred dollars financed and are subject to be rescinded at any time at our discretion. Due to the retail valuation of particular prizes actual point value will be considerably less than one cent. Notwithstanding, any “points” program could be construed as a form of inducement under state law. Certain states do not permit any form of remuneration. Check with your state regulators before applying.
2. All earnings in your Account are shown in points. All transactions made through your Account and the number of points available to you will appear online and/or via a periodic Transaction Summary. Any dispute about point amounts posted to your account must be raised within 60 days following receipt of your Transaction Summary. Procedures relating to and the format of Transaction Summaries may be modified at any time, without notice. We reserve the right to make corrections or adjustments to the number of points posted to your Account. Your points provide you with the opportunity to obtain specific rewards. Points are deducted from your Account when you order a reward, not at the time of shipment or delivery. Points have no cash surrender value. Points may be used by the designated account holder only and are non-transferable.
3. You may return a reward for a point refund to your Account, subject to compliance with all applicable requirements for returns, but you may not return any goods or services obtained with points for a cash refund.
4. We reserve the right to change elements or terms and conditions of any rewards program, including, but not limited to, reward offerings, point expiration, and transaction summaries at any time without notice. If a reward offering is discontinued, reasonable efforts will be made to offer a substitute of equivalent quality. All reward offerings are subject to availability. We may make model substitutions of equivalent value without advance notice when necessary. Reward offers are void where prohibited by law. Every effort has been made to ensure that information regarding products and services offered by participating reward suppliers is accurate, but we are not responsible for any errors or omissions in such information.
5. If the point value of a reward you wish to acquire is greater than the point amount available in your Account, the difference may be paid for with money order, a personal credit card or check, subject to any limitations that may be specified on the program rules for the program in which your points have been earned.
6. You should make every effort to safeguard your Account Number from unauthorized use. It is your responsibility to inform our Customer Service Center (800-343-2607 – Mon-Sat 7:00 AM – 7:00 PM CST) immediately if you lose your Account Number or believe someone may have obtained unauthorized access to it. We will issue one new Account Number at no cost to you; however, we reserve the right to charge a service fee for each additional replacement number requested. Your account will be deactivated within 48 hours following receipt of notification of loss or theft. If you believe someone has used, or may use, your Account Number without your permission notify us at once. If someone obtains access to your Account Number and uses your points without your permission, we are not responsible for replacing those points. If you report a lost or stolen Account Number, you may be required to provide additional information regarding the circumstances of the loss or theft. Do not attempt to use an Account Number after you have notified us that it is lost or may have been misappropriated, even if you find it, since the transaction will be considered unauthorized and will be denied.
7. If we suspect you have misused your Account or Account Number, your Account may be suspended or terminated. We also reserve the right to reissue a different Account Number at any time.
8. For your protection, if you have had no activity (point issuance or reward redemption) on your Account for 24 consecutive months, your Account will be placed in a dormant status. While your program is still active, you may reactivate your Account by calling customer service.
9. Award Points have a designated expiration date that is determined by the rules of your program. Prior to the expiration date of your points, you may receive written notice that the points are nearing expiration. In the event you still have Award Points remaining in your Account on the designated expiration date, we reserve the right to close the Account and deactivate any unused points.
10. Neither we nor the program Sponsor maintain any control over the manufacturers of rewards, or over the personnel, equipment or operations of any air, water or surface carrier, ship line, transportation company, hotel, restaurant, tour company, or other person or entity providing travel services, general services, gift cards products or accommodations as an reward, because all suppliers offering products and/or services through the rewards program are independent contractors. Accordingly, neither we nor the program Sponsor make any guarantees, warranties or representations of any kind, expressed or implied, with respect to products, services or merchandise, nor do we accept any liability for any loss, expense, damage or injury incurred as a result of any defect in or failure of such items. WE SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Neither we nor the program Sponsor shall be liable for any injury, damage, loss, expense, accident, delay, inconvenience or irregularity which may be caused or contributed to: (1) by any wrongful, negligent or unauthorized act or omission on the part of any supplier of an reward offering; (2) by any defect in or failure of any vehicle, equipment, instrumentality, service, product, or accommodation which is owned, operated, furnished, sold or otherwise used by any such supplier; (3) by any wrongful, negligent or unauthorized act or omission on the part of any other person or entity not under our direct control; (4) the bankruptcy of any air carrier or other travel provider; (5) the bankruptcy of any merchant issuing gift cards and/or (6) by any other cause, condition or event whatsoever beyond our direct control. In no event will we or the program Sponsor be liable for any punitive, special, indirect, or consequential damages.
11. You must notify us immediately if your name or address has changed. Failure to notify us may result in information regarding your Account Number being sent to the wrong person. In such event, we shall not be responsible for any resulting misuse of points in your Account. We reserve the right to utilize the National Change of Address (NCOA) database to update Account holder address information but are not required to do so.
12. We will not release information about your Account or your participation in the rewards program to third parties without your consent, unless we receive a subpoena or other legally mandatory request for such information. We will, however, provide aggregate data to the Sponsor and respond to Sponsor inquiries about individual Accounts.
13. From time to time, we may monitor telephone calls between you and us to ensure the quality of our customer service.
14. This Agreement is governed by the laws of the state of Missouri.
15. The terms “you” and “your” in this Agreement refer to the person whose name appears on the Award Account Number notification letter. The terms “we”, “us”, and “our” refer to Maritz Inc., the administrator of the incentive program. The term “Account Number” or “Account” refers to the Account Number issued to you. The term “Sponsor” refers to the company or companies that have requested that the Account be established for you and that have provided the funding for the rewards program.