General

1. The Harris Everyday Benefits Program is offered at the sole discretion of Metavante and Harris. They reserve the right to change these Rules at any time, for any reason, and without notice, and this includes the right to suspend or end the Program, cancel outstanding points, or change redemption of outstanding rewards. Neither Metavante nor HARRIS assume any liability whatsoever for these changes.
   
   
2. Cards and related accounts may be subject to fees and charges in accordance with the applicable Cardholder agreements and fee schedules.
   
   
3. In the event of Cardholder fraud, abuse of the Program privileges, or violation of the Rules (for example, any attempt to sell, exchange, or transfer points or any instrument exchangeable for points), Metavante and/or Harris, in its sole discretion, reserves the right to cancel your participation in the Program.
   
   
4. You are responsible for any personal tax liability related to participation in the Program or as a result of points earned or redeemed.
   
   
5. The Program is void where prohibited by law.
   
   
6. Neither Metavante nor Harris is responsible for managing or administering the Program or providing services under the Program. Neither Metavante nor Harris will be responsible for errors or omissions in any Program document. Neither Metavante nor HARRIS will have any liability to you or any other Cardholder arising from, or related to, the services or rewards.
   
   
7. You (and any other beneficiary of the Program) agree that neither Metavante nor HARRIS nor RewardsNOW will be liable for, and you release, discharge and hold harmless Metavante, HARRIS, and RewardsNOW or anyone who acted on behalf of Metavante, HARRIS or RewardsNOW, from any and all claims of any sort, type, kind or nature that you may have against Metavante, HARRIS, or RewardsNOW, arising out of or in any way relating to your participation in the Program or its rewards — including (but not limited to) claims for or due to personal injury, property damage, accident, sickness, delay, cancellation, postponement, inconvenience, penalty, refund or other irregularities that may occur or that may be caused by any provider of services or rewards or any person not under the direct supervision and control of Metavante or HARRIS.
   
   
8. Metavante and/or Harris reserve the right to interpret Program Rules and policies and will be the final authority on point credits and award qualifications.

Earning Points

1. Cardholders will earn one point for every two U.S. dollars ($2) in eligible purchases made on a Debit Card rounded to the nearest whole dollar.
   
   
2. “Net purchases” are defined as the dollar value of goods and services purchased with a Card beginning with the first day of the billing cycle that includes Cardholder’s Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements.
   
   
3. Transactions excluded from point calculation include the following:
• cash advances, and ATM withdrawals, except as otherwise permitted in special promotional offers;
• any fees and card-related charges posted to a Rewards Card account;
• any gaming-related transactions, including without limitation, gambling chips, off-track wagers or lottery ticket transactions, tax payments, and any unauthorized charges or transactions.
  
  
4. Negative points will post on a statement if returns or credits exceed purchases. Points may not be purchased.
   
   
5. Points may be earned only if the applicable account is in good standing. A Card account is not in good standing if closed or suspended. If you close your Card account, all points that were accumulated but unused will be forfeited. If the account is closed by either you, Metavante, or Harris for any reason, all points that were accumulated but unused will be forfeited immediately.
   
   
6. Point accrual will begin upon the first day of the calendar month that includes the Cardholder’s Enrollment Date. No other retroactive points will be awarded.
   
   
7. The number of points a Cardholder can earn in a calendar year is limited to 75,000 points or some other limit as amended by Metavante and Harris from time to time.
   
   
8. Points earned will be credited on a monthly basis. You will be sent a monthly e-mail statement notification when your points have been updated. The e-mail will also contain directions to the Harris Everyday Benefits website, where you can view your current balance. E-mail addresses can be updated by visiting the Harris Everyday Benefits website. You agree to receive communications electronically including, but not limited to confirmation of you enrollment, notice of point balance statements, Harris Everyday Benefits program changes or enhancements and confirmation of rewards selection.
   
   
9. Unless the Program is sooner terminated or amended as set forth above, points will expire at the end of the third calendar year from the year in which they were earned. Points and awards are not considered your property and are generally not transferable upon death, as part of a legal settlement, or as part of a domestic relations issue.

Redeeming Points

1. Points may be redeemed for a variety of rewards, as indicated in the Harris Everyday Benefits brochure or online catalog.
   
   
2. When you are ready to redeem points, select your reward. If you need assistance, call the Harris Everyday Benefits Redemption Center at 1-877-340-4321 for all redemption inquiries and orders. Hours of operation are 24 hours a day, 7 days per week.
   
   
3. The minimum number of points to be redeemed for travel is 5,000 points. The minimum number of points to be redeemed for downloadable ringtones and tunes is 750. The minimum number of points to be redeemed for merchandise is 2,500. The point redemption levels for merchandise can be found on the website or in the Harris Everyday Benefits catalog.
   
   
4. Travel Certificates must be redeemed in increments of 2,500 points after a minimum of 5,000. Travel Certificates may be applied toward any travel accommodations or services, except food or fuel, purchased with your Card. Usage is limited to the account holder(s) identified on the Certificate. Certificates have no cash value and no cash refunds or credits will be given if the value of the travel service is less than the value of the Certificate. The issuer assumes no liability for dollars paid by the account holder over and above the reward value redeemed.
   
   
5. Points may be redeemed only from accounts that are open and in good standing as stated in the “Earning Points” section above.
   
   
6. Points redeemed and/or expired, if applicable, will be based on a first-in, first-out basis.
   
   
7. All redemptions are sent to the billing address on the account. UPS or USPS will usually deliver your item within 2-4 weeks. Shipments cannot be made to a post office box, an APO address or outside the 50 United States.
   
   
8. All rewards are subject to availability. Reward items may be discontinued or withdrawn without notice. Should an item be discontinued, it will be replaced with an item of equal or greater value or you will be advised of unavailability so that you can make an alternate selection.
   
   
9. If an item arrives in damaged condition, you may return it for a replacement. Please contact 1-800-240-4814 ext. 203 for a return authorization. Item(s) must be returned within 30 days of receipt in the original packaging. For returns of items that are not damaged, please contact the Points2U Service Center. Return shipping charges will be paid by the participant. There is a $30 restocking fee. Item(s) must be returned within 30 days of receipt, unused, and in the original packaging. Gift Cards and Codes cannot be returned for any reason. If you need additional information, please call 1-877-340-4321.
   
   
10. Neither Metavantenor Harris nor RewardsNOW are responsible for lost or stolen correspondence, documents, or certificates.
    
    
11. You, as a Cardholder, have sole responsibility for any charges over and above the stated value of a gift card or gift certificate.