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If your Account is not Current, you will not be eligible to receive them until the end of the billing period in which your Account is once again Current."Current" means your Account (1) is open to new charges, (2) is not delinquent or in default under the Agreement, (3) does not have a balance over the assigned credit limit, and (4) is not flagged as lost, stolen, or fraudulent according to Bank’s written or electronic records.Reward Dollars Certificates are issued in increments via your monthly billing statement.200 Reward Dollars = Reward Dollars Certificate Reward Dollars will be redeemed on a "first in, first out" basis, such that the first Reward Dollars earned will be the first Reward Dollars redeemed.

The standard APR is either a variable APR of 27.99%, based on the Prime Rate, or a standard APR of 22.80%, depending on when you opened your account. See your Agreement for details specific to your Account.We may from time to time make special offers for you to earn additional Reward Dollars on specific purchases.The terms and conditions for such special offers (such as which purchases qualify and the number of additional Reward Dollars you may earn) will be disclosed at the time of offer.Reward Dollars may not be used as payment of any outstanding obligations to the Bank or its affiliates.Reward Dollars Certificates may only be issued if your Account is Current.

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"Net New Purchases" means purchases of goods and/or services made by you or any Authorized User on your Account minus any returns, refunds or credit adjustments, rounded to the nearest dollar.

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