Redstone Federal Credit Union

r e d f c u.o r g | 13 Redstone's MyChoice Rewards program: Points earned vary per product t ype and are based on the net retail purchase (i.e., purchases less credits, returns, and adjustments) charged to the participating card during each day by the cardholder. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated. Expiration of points does apply. To be eligible to receive points, the account associated with the card must remain open. Balance transfers, cash advances, and ATM transactions do not qualify. Points are nontransferable from one Redstone account to another, except for lost and/or stolen cards. Promotional offers are included in the calculation. Redstone Federal Credit Union reserves the right to disqualify any cardholder from participation in the program and invalidate all points for abuse, fraud, or any violation of the program terms and conditions. Additional terms and conditions may be imposed by participating merchants when redeeming points. Log in to online banking for more information about the rewards program. Other restrictions may apply. Redstone's MyChoice Rewards program is administered by Augeo Consumer Engagement Services, LLC (Augeo). Visa, Augeo, participating merchants, and RFCU are separate entities. RFCU does not warrant, guarantee, or insure any product, benefit, or service offered by Visa, Augeo, or participating merchants. Visa is a registered trademark of Visa International Services Association. All travel must be redeemed through Augeo's fully licensed redemption reservation center or website. Cardholders must have an eligible rewards card at the time of redemption. Augeo's normal and customary fees associated with processing travel-related services are billed to the cardholder's rewards card. All reservations are made subject to the conditions of airlines, supply, or business of the part y providing the service, which include exclusions and limitations of liabilit y. *Must have RFCU online banking service, member number or username, and password to access. Sign up for online banking access at redfcu.org. Standard wireless carrier text message, data, and/or internet service provider rates and fees may apply for online and mobile banking; check with your carrier for more information. Members have redeemed $6.5 million in MyChoice Rewards points since Redstone introduced the program last year. Redstone's enhanced Visa® credit and debit cards give members the freedom to turn their everyday purchases into rewards that they can use for cash, gift cards, travel, and charity donations. MyChoice Rewards, an upgrade from the old Cashback program, allows cardholders to earn points for every purchase made with their Visa Signature® credit card, Visa business credit card, or debit card on their Rewards checking account. Members can combine these points and redeem them inside online banking at any time.* Haven't redeemed your points yet? ink of the possibilities. With unlimited rewards and no blackout dates, MyChoice Rewards makes it easy to use your points for travel. Vacations, Mother's Day getaways, and graduations are all just around the corner. It's easy to use your points for hotel stays, car rentals, flights, and more. Need more information on redeeming your points? Call 877-912-6326. Don't have a credit or debit card? Apply online or at any branch. Members Rack Up Millions in REWARD POINTS

• Cover