Rewards - Citizens Bank
Transcription
Rewards - Citizens Bank
Rewards 2007 Program Catalog our Check out ess sin special bu tion c rewards se 4! on page 2 2007 Catalog Contents 1. Program Overview 2. Merchant Network 4. Quick Guide to Rewards 6. Banking Rewards 7. Charity Rewards 8. Travel Rewards 10. Gift Cards 14. Home Electronics Rewards 16. Delicious Rewards 18. Sports & Camping Rewards 20. Personal Rewards 22. Home Improvement Rewards 24. Business Rewards 26. Terms & Conditions Welcome To A World Of Great Rewards! Using your Citizens Bank Debit Card or your Citizens Bank Business Debit Card for things you buy every day can be very rewarding. It’s the quick, easy way to earn hotel stays, airline tickets, gift cards for all your favorite restaurants and retailers, jewelry, brand name merchandise, free office equipment and more. Plus, you’ll want to regularly review the Rewards online catalog to see what’s new. W! NE Earn more points faster with our Merchant Network. With the Citizens Bank Rewards program, just about every item on your “to do” list has the potential to become a reward. And now, thanks to our partnership with a wide array of leading merchants, every time you shop with your Citizens Bank Debit Card you can earn more rewards than ever before. See page 2 for more details. • Earn 1 Everyday Point for every non-PIN purchase on your Citizens Bank Debit Card or your Citizens Bank Business Debit Card. Select great rewards starting as low as 3,600 points. • Earn Double Points by using your card for PayPass™ purchases at the special PayPass reader next to cash registers at CVS/pharmacy®, Regal Cinemas®, 7-Eleven®, Meijer® and a growing number of other merchant locations. Redeeming your points is easy. • Earn Double Points on payments you make every month for cable TV, the internet, heat, electricity, your cell phone, auto insurance and other ongoing services by making these recurring payments on your Citizens Bank Debit Card. Or redeem your points by visiting citizensbank.com/rewards and select Redeem Everyday Points in the How To section. From gift cards, to a round of golf, there’s something for everyone. Just click or call to learn about the latest additions to the redemption catalog. Just call one of the numbers below between 9 a.m. and 9 p.m. (Eastern Time) Monday through Friday or 10 a.m. to 7 p.m. (Eastern Time) Saturday and Sunday. • 1-888-777-3946 • 1-888-777-3961 (Business Owners) Merchant Network ! W NE Just use your card… it’s that simple. With the Citizens Bank Rewards program, just about every item on your “to do” list has the potential to earn Everyday Points™. And now, we’ve partnered with some of your favorite retailers so that you can earn even more – a lot more – Everyday Points every time you use your Citizens Bank Debit Card. Take your card shopping. You’ll be glad you did. Now, when you shop at any of our participating Bonus Merchants, you’ll receive up to 20 Everyday Points for every dollar you spend – points that you can use for travel, gift cards, special rates on banking products, or just about anything else. After all, they’re your rewards, so you can use them your way. No extra membership cards to carry or coupons to clip. This new feature is available to all rewards participants, so the points will automatically be awarded when you shop at Macy’s®, Dunkin’ Donuts®, Eddie Bauer®, Yankee Candle® and many other participating merchants. Simply use your card at the register like you normally would, and we’ll do the rest. New merchants will be added to the program all the time, so visit www.citizensbank.com/merchantnetwork for the list of Bonus Merchants and the corresponding rewards points you get for shopping with them. So next time you’re looking for the perfect shopping partner, look no further than your Citizens Bank Debit Card. Because shopping should be more rewarding. 2 Logon to citizensbank.com/rewards to view the most current rewards online. Citizens has partnered with some of your favorite merchants to help you earn more points even faster. From your morning coffee to candles, from vacations to video rentals, you’ll now earn up to 20 Everyday Points for every dollar you spend in our network of preferred merchants. 3 Quick Guide to Rewards 3,600 Points 10,000 Points 12,000 Points 20,000 Points 22,500 Points Satin Silver Contemporary Pen Wilson® NFL Soft Grip Football $25 Chili’s Gift Card $50 Hollywood Video Gift Card $50 Citizens Bank Gift Card Pro-Sport Stop Watch Thermos® Metallic Charcoal Mug $30 Dunkin’ Donuts® Gift Card $50 Eddie Bauer Gift Card 25,000 Points 4,000 Points $25 Mrs. Fields® Gift Certificate $25 Target GiftCard $50 Mrs. Fields® Gift Certificate $50 Staples® Gift Card $25 Legal Sea Foods® Gift Card $25 Home Depot® Gift Card $50 Legal Sea Foods® Gift Card $50 Macaroni Grill® Gift Card $25 Hollywood Video® Gift Card $25 Wal-Mart® Gift Card $50 Macy’s® Gift Card $50 Target GiftCard $25 Eddie Bauer® Gift Card $25 BP® Gift Card $50 Linens ’n Things® Gift Card $50 Home Depot® Gift Card $25 Macy’s® Gift Card $25 Bob Evans® Gift Card $50 1-800-FLOWERS.COM® Gift Card $50 Wal-Mart® Gift Card $25 Linens ’n Things® Gift Card $25 Applebee’s® Gift Card $50 FAO Schwarz® Gift Card $50 Cabela’s® Gift Card $25 1-800-FLOWERS.COM® Gift Card $25 Olive Garden® Gift Card $50 Restoration Hardware® Gift Card $50 Office Max® Gift Card $25 FAO Schwarz® Gift Card Galileo® Thermometer $50 Timberland® Gift Card $25 Exxon Mobil® Gift Card $50 Sharper Image® Gift Card $50 Ticketsnow™ Gift Card $25 FYE® Gift Card $50 Deposit into Money Market Account $25 Bath and Body Works Gift Card $50 Deposit into Savings Account $10 Mrs. Fields® Gift Certificate $10 Dunkin’ Donuts® Gift Card Surf-n-Style Radio 5,000 Points Beauty Treatment Round of Golf 6,000 Points Personal Electronic Organizer JWIN AM/FM Pocket Radio 7,000 Points Cooking Lessons Golf and Beauty $25 Restoration Hardware® Gift Card Landscaping $25 Timberland® Gift Card 8,000 Points $25 Sharper Image® Gift Card $20 Dunkin’ Donuts® Gift Card $25 Deposit into Money Market Account 14,000 Points $50 Deposit into Individual Retirement Account Sony® AM/FM Clock Radio $50 Donation to a Charity $25 Deposit into Savings Account Travelers Club® Duffle George Foreman® Family Size Grill $25 Deposit into Individual Retirement Account $25 Yankee Candle® Gift Card Wilson® Synthetic Leather Basketball 15,000 Points AM/FM Shower Radio GE 2.4 GHZ Cordless Phone with Caller ID 11,000 Points 16,000 Points Toastmaster® Waffle Maker Coleman® Remote Control Lantern Down Inc.® Feather & Down Queen Pillows $25 Citizens Bank Gift Card 0.20% Bonus Interest on CD Proctor Silex® Toaster Oven Proctor-Silex® Electric Knife Skil® Screwdriver with Bit Set Panasonic® Microcassette Tape Recorder Bushnell® 12 x 25 PowerView Folding Binoculars Hamilton Beach® Custom Grind Coffee Grinder Andis® 16 Piece Haircutting System AT&T® Answering Machine 18,000 Points Free Flight 4 Logon to citizensbank.com/rewards to view the most current rewards online. $50 Amazon.com® Gift Card 30,000 Points 35,000 Points 45,000 Points 70,000 Points 125,000 Points Cuisinart® Ice Cream Maker 1 Day Adult SeaWorld® Orlando Admission-Adult $100 Best Buy® Gift Card Uniflame® Patio/ Deck Heater Thermoscan® Ear Thermometer Royal® Crosscut Shredder $100 Omaha Steaks® Gift Card Shop Vac® Ultra Series Pump Vac $75 Sephora® Gift Card $100 Best Western® Travel Card $150 Ritz-Carlton® Currency Brother Peronal Laser Printer 75,000 Points Apple 30GB iPod® MP3 Player 40,000 Points $100 Ritz-Carlton® Currency Bushnell® 10 x 50 Powerview Binoculars Sony S2 Sports™ CD Walkman® With AM/FM Tuner 50,000 Points Uniden® GMRS 2-way Sport Radio Bulova® Burlington Mantle Clock Makita® Variable Speed Drill 1 Day National® CompactFullsize Car Rental Kenneth Cole® Ladies’ Watch Coleman® Propane Grill/Stove 1 Day SeaWorld® Orlando Admission-Child Kenneth Cole® Men's Watch 1 Night Hyatt® Classic Level Certificate Brother® Hand-Held Labeling System DMI® Game Room Dart Cabinet Set 2 Day National® CompactFullsize Car Rental $75 Legal Sea Foods® Mail Order Gift Card 1 Day Alamo® Premium-Luxury Car Rental Oreck® Cord-Free ElectrikBroom Cuisinart® Handy Prep 3-Cup Food Processor $125 Donation to Charity Master Craft® 15 Piece Garden Tool Set Golf & Gifts® The Pro Roller Golf Bag $75 Hollywood Video® Gift Card $75 Eddie Bauer® Gift Card $75 Macy’s® Gift Card $75 Linens ’n Things® Gift Card $75 1-800-FLOWERS.COM® Gift Card $75 FAO Schwarz® Gift Card $75 Restoration Hardware® Gift Card $75 Timberland® Gift Card $75 Sharper Image® Gift Card Panasonic 5.8GHz FHSS Dual-Handset Cordless Phone Sony® DVD Player Year of Landscaping Free Cruise 80,000 Points WeedEater® Barracuda Gas Blower and Mulching Vac Coleman® 12' x 12' Screen House 7" Portable DVD Player with 30 Games 100,000 Points 0.25% Rate Reduction on a Home Equity Loan or Line of Credit Eureka® Whirlwind Bagless Vacuum 60,000 Points Huffy® 26" Ignite Men's Dual Suspension Bicycle $100 Deposit into Individual Retirement Account 42,500 Points $100 Citizens Bank Gift Card Sanyo 5 Megapixel Digital Camera Panasonic® 5MP Digital Camera Ionic Breeze Professional Series® Table Top Air Purifier Year of Golf Sony® 3-Piece AM/FM CD Boombox 140,000 Points Calphalon Simply Calph 10 PC Cookware Set Delonghi® Combination Espresso and Drip Coffee Maker $100 Deposit Savings Account Bose® SoundDock® Docking Station for Apple iPod® 85,000 Points Homedics® Handheld Compact Percussion Massager $100 Deposit into Money Market Account 130,000 Points Garmin® Legend 12-Channel GPS Fitness Quest® Tony Little Gazelle Freestyle 8" LCD TV with Built in DVD Player 3 Day Alamo® CompactFullsize Car Rental Panasonic® Plain Paper Fax World for Free Kluge Barrister Rolling Briefcase 65,000 Points Samsung® DVD/ VCR Combo 5 Banking: The Future is Your Reward Banking Rewards You’ve got plans. Kids heading off to college. Retirement dreams to realize. A future to plan for. And we’ve got ways to help you get there, like Citizens Bank Rewards, which gives members the ability to achieve financial goals by simply redeeming Everyday Points™. • $25 Deposit into a Citizens Bank Money Market Account 10,000 points • $25 Deposit into a Citizens Bank Savings Account • $25 Deposit into a Citizens Bank Individual Retirement Account 16,000 points • 0.20% Bonus Interest on Citizens Bank Certificate of Deposit* • $50 Deposit into a Citizens Bank Money Market Account 20,000 points • $50 Deposit into a Citizens Bank Savings Account • $50 Deposit into a Citizens Bank Individual Retirement Account • $100 Deposit into a Citizens Bank Money Market Account 40,000 points 50,000 points • $100 Deposit into a Citizens Bank Savings Account • $100 Deposit into a Citizens Bank Individual Retirement Account • 0.25% Rate Reduction on Home Equity Loan or Line of Credit** * The .20 Bonus is applied to the current rate, limit one bonus per CD. Cannot be used on a 3-year rising CD. Limited to certificates of deposit of $250,000 or less. All accounts subject to individual approval. See a banker for details and deposit insurance coverage limitations. ** Rate reduction cannot be combined with any other home equity discount offer. Not available on Capped Rate Equity Line or the Line of Credit as part of the Loan Line Combo product. 6 Logon to citizensbank.com/rewards to view the most current rewards online. Charity: Giving is its Own Reward Give to Charity If you’ve done well, we’d like to give you a chance to do some good, by helping a cause that’s important to you. With your rewards, you can choose to help a variety of charities. $50 Donation to: 20,000 points • The Alzheimer’s Association® • American Foundation for the Blind® • American Society for the Prevention of Cruelty to Animals® • Breast Cancer Research Foundation® • March of Dimes® • Marine Corps Toys for Tots® $125 Donation to: 50,000 points • The Alzheimer’s Association® • American Foundation for the Blind® • American Society for the Prevention of Cruelty to Animals® • Breast Cancer Research Foundation® • March of Dimes® • Marine Corps Toys for Tots® 7 Travel: Rewards to Go 1-Day SeaWorld® Orlando Admission National Car Rental is one of the world’s largest car rental companies, with approximately 3,000 locations in 72 countries across the globe. Single-Day Admission to SeaWorld Orlando. Children's ticket is for kids ages 3-9. Adult ticket is for those aged 10 and up. Visit www.seaworld.com for complete operating schedule. 1 Day National® Compact-Fullsize Car Rental - 30,000 Points 2 Day National Compact-Fullsize Car Rental - 50,000 Points Voucher valid for the rental of a compact through a full size car in the United States. Please refer to the Terms and Conditions for further details. Alamo’s hassle free service now offers online check-in and self-service kiosks to get you on the road quicker. Alamo is where memories are made. 30,000 Points - Children 35,000 Points - Adult Free Flight Get away from it all with one free round-trip flight. From over 40 origination cities to 10 top destinations, choose to visit glamorous Los Angeles or chic New York City, among others. With no black out dates, flights on all major carriers, and a Concierge service to handle your bookings, you can relax for take off. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 18,000 Points 1 Day Alamo® Premium-Luxury Car Rental 40,000 Points Voucher valid for the rental of a premium or luxury size vehicle in the United States and Canada. Please refer to the Terms and Conditions for further details. 1 Night Hyatt® Classic Level Certificate Hyatt Hotels and Resorts offer luxury hotels around the world. The Classic Stay Certificate is good for one night accommodations including tax any day of the week at over 70 properties worldwide. Accommodations are subject to availability at time of reservation, and black out dates may apply due to seasonal periods and special events. Please refer to the Terms and Conditions for further details. 50,000 Points 8 The Best Western Travel Card is a storedvalue gift card good for hotel stays at any Best Western hotel worldwide. The Travel Card takes you to faraway private beaches, wondrous mountaintops, breathtaking forests or bustling international cities. Use the Best Western Travel Card at any of more than 4,200 Best Western hotels in over 80 countries throughout the world. 45,000 Points 3 Day Alamo® Standard Car Rental 60,000 Points Voucher valid for the rental of a compact through a full size car in the United States and Canada. Please refer to the Terms and Conditions for further details. $100 Best Western Travel Card Logon to citizensbank.com/rewards to view the most current rewards online. Ritz-Carlton® Currency Guests may use Ritz-Carlton currency for hotel accommodations, dining, sample the delights of a spa, or take home an elegant memento from a Ritz-Carlton gift shop. This voucher will be received within 3-4 weeks signature required priority mail. $100 - 45,000 Points $150 - 70,000 Points Looking to get away? When you start here, there’s no limit to how far you can go. We offer a wide assortment of travel rewards to choose from—including hotel and resort stays, car rentals, airline tickets and theme park admission. Whether you’re looking to get away for a day or an extended vacation, there’s a reward here to meet your needs. ★ T GREA ! DEAL Free Cruise Sail away from it all with one free cruise for up to 2 people. Choose from a variety of glamorous destinations for your ultimate getaway. This offer varies depending on the desired length of your vacation and the terms of the participating leading cruise line, with additional nights booked at the standard rates if desired. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 75,000 Points ★ T GREA ! DEAL World For Free With handpicked resorts in tantalizing destinations throughout North America and worldwide, get ready for a dream vacation. This offer is for one free week’s accommodations, 7 days and 6 nights, for up to 4 people. With no black out dates and a Concierge service to handle your bookings, the only hard part will be deciding where to go. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 60,000 Points 9 Gift Cards: Rewards that Keep on Giving Macy’s® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points Citizens Bank Gift Card $25 - 11,000 Points $50 - 22,500 Points $100 - 42,500 Points $50 Staples® Gift Card 25,000 Points Dunkin’ Donuts® Gift Card $10 - 4,000 Points $20 - 8,000 Points $30 - 12,000 Points Linens ’n Things® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points Eddie Bauer® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points ® $25 BP® Gift Card 12,000 Points $50 Amazon.com® Gift Card 25,000 Points $100 Omaha Steaks® Gift Card 45,000 Points The Home Depot® Gift Card $25 - 12,000 Points $50 - 25,000 Points FAO Schwarz® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points Legal Sea Foods® Restaurant Gift Card $25 - 10,000 Points $50 - 20,000 Points Legal Sea Foods® Mail Order Gift Card $75 - 30,000 Points 10 Logon to citizensbank.com/rewards to view the most current rewards online. Not sure what to give? How about the freedom to make a choice. We offer a wide assortment of gift cards to choose from — for all your favorite restaurants and merchants. Be sure to check out our preferred partners! $25 Bath and Body Works® Gift Card 12,000 Points $100 Best Buy® Gift Card 45,000 Points Hollywood Video® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points Yankee Candle® Gift Card $25 - 10,000 Points 11 Gift Cards: Rewards that Keep on Giving Mrs. Fields® Gift Certificate $10 - 4,000 Points $25 - 10,000 Points $50 - 20,000 Points Sephora® Gift Card $75 - 35,000 Points 1-800-FLOWERS.COM® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points $25 Olive Garden® Gift Card 12,000 Points $25 Bob Evans® Gift Card 12,000 Points $25 Chili’s® Gift Card 12,000 Points $25 Exxon Mobile® Gift Card 12,000 Points Timberland® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points Target GiftCard $25 - 12,000 Points $50 - 25,000 Points 12 Logon to citizensbank.com/rewards to view the most current rewards online. And if there’s something else you’ve had your eye on, you can select a Citizens Bank Gift Card good at millions of locations worldwide. Remember, most merchant gift cards are welcomed for online and telephone orders as well. Be sure to check out our preferred partners! The Sharper Image® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points Wal-Mart® Gift Card $25 - 12,000 Points $50 - 25,000 Points $25 FYE® Gift Card 12,000 Points $25 Applebee’s® Gift Card 12,000 Points $50 Macaroni Grill® Gift Card 25,000 Points Restoration Hardware® Gift Card $25 - 10,000 Points $50 - 20,000 Points $75 - 30,000 Points $50 Cabela’s® Gift Card 25,000 Points $50 OfficeMax® Gift card 25,000 Points $50 TicketsNow™ Gift Card 25,000 Points 13 Home Electronics: Wired Rewards ★ AM/FM Shower Radio Sony® AM/FM Clock Radio Water drop resistant radio offers swivel hook for hanging or stand for tableside use. Trendy white cabinet has waterdrop-look with seethrough aqua trim. Measures 9.25" x 3.5" x 1.75". Three AA batteries (not included). New angular design offers AM/FM tuner, alarm volume control, green LED display, alarm indicator, and full power back-up to ensure on-time wake-up. Wake to radio or buzzer alarm with snooze/sleep functions. Black. 10,000 Points 7" Portable DVD Player with 30 Games The 7" widescreen LCD Portable DVD player easily transports for fun and games on the road. Features 30 integrated games for the whole family, USB Input, TV Guardian, 2.5 hour Lithium battery, and dual headphone jacks. Includes accessory kit. T GREA ! DEAL GE 2.4 GH Cordless Phone with Caller ID Delivers clear sound, even when far from the base. Features Call Waiting/Caller ID, three-line, backlit LCD, one-touch redial, flash function, and convenient Caller ID memory for the 40 newest incoming calls. 14,000 Points 15,000 Points 8" LCD TV with Built in DVD Player Sony S2 Sports™ CD Walkman® With AM/FM Tuner Smaller size for big viewing. Features slot-loading DVD player, 4:3 aspect ratio, 181-channel NTSC tuner, convenient SD/MMC card slot reader, and remote. Contemporary design offers built-in stereo speakers and unique, swivel base. 100,000 Points 80,000 Points Hit the road humming with this Walkman player. Features water-resistant seals, rubber gaskets, and busings whichs keeps moisture and dirt from penetrating the electronics. Compatible with CD, CD-R, and CD-RW formats. 40,000 Points Sony® DVD Player Sanyo 5 Megapixel Digital Camera Samsung® DVD/VCR Combo Single disc DVD player, DVD+RW/+R, DVDRW/-R, JPEG/MP3/CD-R/CD-RW playback, precision cinema, progressive black finish. 5 MegaPixels 1/2.5" CCD. 2.36" High Resolution LCD Screen. 3x Optical Zoom Lens. 16MB Internal Memory. Auto Focus Lens. External SD card up to 32MB and 1GB. File format JPEG, AVI (Exif, DCF, DPOF, PictBridge). Slender combination design offers the best of both worlds, plus more. Features progressive scan output, letterbox eliminator and easy-access front A/V inputs. Offers DVD, CD, CD-R/RW, MP3 and VHS/S-VHS playback capabilities. Also enjoy picture CD and JPEG CD viewing. 50,000 Points 60,000 Points 14 65,000 Points Logon to citizensbank.com/rewards to view the most current rewards online. Have a passion for electronic gadgetry? Our Rewards Program is wired for sound — and everything else — so you can use your everyday purchases to buy more of the stuff you’ve always wanted for your home. From big screens to tiny toys, we’ve got just what you’ve been looking for. Bose® SoundDock® Docking Station for Apple iPod® The SoundDock system is easy to operate. Just plug it in, pop in your iPod and play. With Bose proprietary acoustic design, you enjoy a full, rich sound. Includes remote for system volume and iPod functions. 130,000 Points Panasonic® 5MP Digital Camera Compact design offers 2” LCD viewing screen, Optical Image Stabilizer, Mega Burst consecutive shooting, and new builtin memory. A variety of scene modes help you capture the best shot. 140,000 Points Apple 30GB iPod® MP3 Player Packs music, podcasts, audiobooks, TV shows, movies — even videos and games into a new design that’s 45% thinner and that offers bigger 2.5” 320 x 240 color display. Cool, 4.8-oz. design holds up to 7,500 songs, up to 25,000 photos, and up to 40 hours of video, plus easy USB connectivity. The battery charges to 100% in about four hours. 125,000 Points 15 Delicious Rewards: Cook Up Some Rewards Proctor-Silex® Electric Knife Slices breads, meats, vegetables, and fruits with its serrated stainles steel blades. 11,000 Points Thermos® 16-Ounce Metallic Charcoal Mug Carry your favorite hot or cold beverage in sleek style. Durable mug is constructed of stainless steel and features a reflective finish reminiscent of a high gloss car finish. Charcoal. 10,000 Points Toastmaster® Waffle Maker Light, fluffy waffles are a snap to make. Ready light indicates when to pour in batter. Four-section waffle bakes to a delicious crispness while housing stays cool to the touch. Nonstick grids mean fast, easy clean up. Stands on end for convenient storage. 20,000 Points Hamilton Beach® Custom Grind Coffee Grinder Experience the robust taste of freshly-ground beans. With hands-free operation, extra-large capacity grinder features adjustable grind selection, unique, stainless bowl and blades, powerful 150-watt motor, transparent lid with measurements markings, and easy-wind internal cord wrap. 20,000 Points Cuisinart® Ice Cream Maker Cooking Lessons Learn how to make a gourmet meal in the comfort of your own home. Free cooking lessons with esteemed chefs will have you whipping up culinary delights in no time. Various cuisine offerings will let you choose what tastes best to your palate, learning how to make handmade sushi or homemade pasta. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. Make fat-free sorbets, low-fat frozen yogurts, rich ice creams - up to 1-1/2 quarts - quick and easy! Heavy-duty motor makes frozen yogurt, ice cream, sherbet, sorbet or frozen drinks in 20 to 30 minutes. Includes automatic mixing arm, large ingredient spout for adding ingredients, easy-lock transparent lid and instruction/recipe book. Limited 3-year warranty. 30,000 Points 7,000 Points Proctor-Silex® Toaster Oven Fits a 12" pizza or 6 slices of toast. This toaster oven has a space-saving design, 30-minute timer with auto shutoff, broils/top-browns food and includes slideout crumb tray. 20,000 Points Calphalon® Simply Calphalon 10-PC Cookware Set New design offers double-coated nonstick interior, domed brushed stainless covers, and hard-anodized aluminum exterior. Set includes 1-qt. and 2-qt. saucepans with lids, 3-qt. sauté pan with lid, 6-qt. stock pot with lid, and 8" and 10" omelette pans. 85,000 Points 16 Logon to citizensbank.com/rewards to view the most current rewards online. Even if you’re not a whiz in the kitchen, we’re sure you’ll find our rewards a recipe for something delicious. Choose from a range of rewards that cover every meal from breakfast to dinner, and every possibility from soup to nuts. ★ T GREA ! DEAL Salton® George Foreman®, Family Size Grill The George Foreman Indoor Grill has a 64 square inch cooking surface, built-in bun warmer with one touch release, updated rib design for even easier cleaning, double non-stick coated grill plate, floating hinge for even cooking and cord storage wrap. 20,000 Points Delonghi® Combination Espresso and Drip Coffee Maker Brews espresso and coffee at the same time. Also enjoy cappuccino and hot chocolate. Choose your preferred coffee and espresso strength with Vario system and Accuflavor selector dials. Features programmable, digital timer, 10-cup carafe, adjustable steam emission, and drip interrupt. 50,000 Points Cuisinart® Handy Prep 3-Cup Food Processor A powerful motor and durable 3-cup work bowl lets you chop, slice, shred, mix, and puree ingredients. Includes a chute attachment for continous slicing or shredding. 40,000 Points 17 Sports and Camping: Play with Your Rewards Wilson® NFL Soft Grip Football Pass like the pros. Football is official size and weight with sewn rubber cover featuring vibrant NFL logo. 10,000 Points Wilson® Synthetic Leather Basketball High performance synthetic leather cover. Official weight and size. 14,000 Points Fitness Quest® Tony Little Gazelle Freestyle Complete range of motion for all fitness levels. Smooth, low impact workout provides both aerobic and resistance training. Features sure fit foot platforms, water bottle/holder, 30-minute video and durable steel construction to support up to 350 pounds. Folds for storage. Bushnell® 12x25 PowerView Folding Binoculars 100,000 Points 16,000 Points Ideal for nature observers or concert goers with larger objective lenses for excellent light gathering and brighter images. Offers roof prism, fully coated optics and nonslip rubber armor for firm grip. Year of Golf Travelers Club® Duffle Travelers Club TCL "Outdoors" 28" MultiPocket Duffel w/CD Access Porthole. 14,000 Points The ultimate reward for an avid golfer! This package contains 12 vouchers, one for each month, that are each valid for a free round of golf at participating 18 hole courses. With hundreds of beautiful courses nationwide, golfers are able to practice their swing near their own neighborhoods or while traveling. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. Coleman® Remote Control Lantern Oh, so handy. Classically styled lantern operates on remote control from up to 50 feet away. Features multi-position manual on/off switch, built-in nightlight and coolto-the-touch fluorescent tube. Operates up to 40 hours on low and 17 hours on high with alkaline batteries (not included). 20,000 Points 40,000 Points Uniden® GMRS 2-Way Sport Radio Golf & Gifts The Pro Roller Golf Bag Weather-proof cover features padded top and shoulder strap, three reinforced handles and oversized cast wheels. Includes locks, keys and outside accessory pocket. 30,000 Points Bushnell® 10x50 Power View Binoculars InstaFocus®, fully coated lens coating, fold down eyecups, great for stadium sports, outdoor/nature, general use, vacation, hunting and bird watching. Case and strap included. 30,000 Points 18 Logon to citizensbank.com/rewards to view the most current rewards online. Crystal clear sound with up to six-mile range and 22 channels. Features 38 CTCSS privacy codes, backlit LCD display, battery strength meter, keypad lock, channel scan/monitor and five call tones. Includes two NiMH rechargeable batteries, charging cradle and belt clip. 30,000 Points What could be more fun: a round of golf at a beautiful course or a camping trip with your family? Rewards that help you get back to nature or on course. DMI® Game Room Dart Cabinet Set Includes bristle dartboard and six darts. Cabinet is constructed of MDF laminate and features "self-closing" antique brass hinges. Closed measurements 25"H x19.5"Wx3.5"D. 40,000 Points Coleman® Propane Grill/Stove Coleman® 12'x12' Screen House Grill and cook at the same time. Offers two 10,000-BTU burners, grease management system and removable dishwasher-safe grease reservoir. Propane cylinder not included. Crowd pleasing canopy café-style design. Allows great airflow and provides wind and sun protection. With 95” center height and 72” wall height, tension can be adjusted to guarantee tighter canopy and more rigid frame. Includes organizer, storage bag and easy color-coded assembly instructions. Measures 12' x 12'. Cafe canopy with charcoal frame. 50,000 Points 80,000 Points Huffy® 26" Ignite Men’s Dual Suspension Bicycle Garmin® Legend 12-Channel GPS Provides precise GPS position accuracy to less than three meters using correction data from Wide Area Augmentation System. Small handheld unit is loaded with full base map of North and South America, including lakes and rivers, plus 8MB internal memory to hold downloaded map data and new preloaded marine aids to navigation. 100,000 Points ★ This 26" men's dual suspension bicycle has a steel Monocoque suspension frame, steel suspension fork, twistshift, Falcon 18-speed derailleur, steel linear pull brakes, alloy/resin levers, steel 3-piece crank, alloy rims & padded ATB seat. 100,000 Points T GREA ! DEAL Round of Golf What is more relaxing and rewarding than teeing off on a beautiful course on a perfect day? Practice your swing with a completely free round of golf at participating 18 hole courses. The variety of options includes hundreds of well-groomed courses with plush fairways, varying in degrees of difficulty for those golfers seeking a challenge. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 5,000 Points 19 Personal Items: Reward Yourself Pro-Sport Stop Watch Surf-n-Style Radio Satin Silver Contemporary Pen This sporty black and silver accented watch features an EL back light and stopwatch feature providing precision timing, day of the week and alarm. Sleek surf-n-style FM auto-scan radio, with comfort ear buds and a clip for your belt. Batteries included. A contemporary design with satin silver brass and a rubber comfort grip. 4,000 Points 3,600 Points 3,600 Points Galileo® Thermometer Personal Electronic Organizer A sleek aluminum databank with five currency and metric conversions, 32-city world time feature, alarm with schedule, and a 12-digit calculator. 6,000 Points JWIN AM/FM Pocket Radio Golf and Beauty This combination reward is perfect to please both members of the household! This package contains 2 vouchers, one for a free round of golf at participating 18 hole courses and one for a free beauty treatment at participating salons or spas. No matter what course or treatment you choose, enjoy some relaxing time out. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 7,000 Points Mini AM/FM palm-size pocket radio with ultra sensitive AM/FM receiver, 3-way carrying system, earphone jack, digital stereo earphone with neck strap and earphone. Requires 2 AAA batteries (not included). Silver. Science meets art. This fascinating, functional instrument is the point at which science meets art. Four hundred years ago Galileo discovered that specifically weighted floating bubbles would predictably rise or sink in a liquid as the temperature of that liquid changed. These decorative glass reproductions of Galileo's discovery have glass floats precisely weighted in .003 gram increments suspended in a clear, environmentally safe, non-toxic liquid. Simply read the tag on the lowest floating bubble to tell the temperature. Made in Germany. 12,000 Points 6,000 Points Panasonic® Microcassette Tape Recorder Down Inc® Feather & Down Queen Pillows Pair of pillows offers double-stitched construction, 233 thread count, 100% cotton fabric and are filled with white goose down and feathers. Panasonic microcassette tape recorder features voice activation system with level control, built-in condenser microphone, one-touch recording, fast playback, pause, two-speed tape selector and big sound speaker. 20,000 Points 20,000 Points 20 Logon to citizensbank.com/rewards to view the most current rewards online. Andis® 16-Piece Haircutting System No more appointments to make. Includes professional pivot motor clipper with adjustable blade, eight attachment combs, stainless steel shears, styling and tapered barber combs, cleaning brush, blade guard, barber cape and instructions. 16,000 Points Get more of the rewards that make life more rewarding. You can choose from a wide range of items that add comfort, color and a little more fun to your life. ★ Thermoscan® Ear Thermometer Compact digital thermometer measures and displays body temperature in one second. Features an audible alert which confirms the end of measurement and recall memory for last eight temperatures. Includes lens filters and protective cover. T GREA ! DEAL 30,000 Points Beauty Treatment Bulova® Burlington Mantle Clock Perfect focus piece for your mantle. Solid wood case with rich walnut finish has functional drawer and combines with glass side panels and polished brass accents for the finest in timekeeping. Adds the sound of music to your home by playing Westminster melody on the hour. Everyone deserves some time out to relax, unwind and be pampered. Treat yourself to a free beauty treatment at participating salons and spas. The diverse array of indulgent offers includes manicures, pedicures, haircuts, facials, massages and exfoliating treatments. No matter what you choose, you will feel and look fabulous! For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 5,000 Points 40,000 Points Kenneth Cole® Mens & Ladies Watches Stainless steel with two hand function on a leather strap. Water resistant. Mens - 40,000 Points Womens - 40,000 Points Homedics® Handheld Compact Percussion Massager Ease your aches and pains. Lightweight design fits comfortably in your hand to provide powerful percussion action and soothing heat. Offers two setting variable intensity and four convenient attachments. 40,000 Points 21 Home Improvement: Handy Rewards Skil® 2.4-Volt Screwdriver with Bit Set Six-piece bit set covers all the home workshop bases. In-line cordless screwdriver also features automatic lock for manual tightening. 16,000 Points Uniflame® Patio/Deck Heater Brings style and warmth outside with pushbutton ignite. Warms up to an 18-foot diameter area with 40,000 BTUs. Measures: 91"H x 24.5"W base x26.5"W dome. Black. Fuel tank not included. Master Craft® 15 Piece Garden Tool Set Set includes 13" fixed blade grass shear, 8" by-pass pruning shear, 12" trowel, 12" weeder, four-function spray nozzle, 5" adjustable nose nozzle and various hose adapters and nozzles. 30,000 Points 125,000 Points Year of Landscaping Get your yard as green and well groomed as a page in a magazine. This reward booklet contains 12 free landscaping vouchers, each valid for one free lawn maintenance and private consultation. If you live in a wintry climate, accommodate seasonal changes by using the voucher for one free snowplow instead. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 50,000 Points Makita® Variable Speed Drill Reversible drill with powerful 3.3-amp motor and variable speeds from 0 to 2, 100 rpm accommodates drilling of wood and sheet metal. Lightweight design includes all-ball-bearing construction. Includes keyless chuck. 50,000 Points Oreck® Cord-Free ElectrikBroom Ingenious new two-in-one design offers the advantage of a powerful floor vacuum with a removable hand vac. Features rechargeable two-motor system with revolving agitator brush and geared belt drive that offers superior performance on all surfaces. No cord to plug-in or interfere with movement. 50,000 Points WeedEater® Barracuda Gas Blower and Mulching Vac Shop Vac® Ultra Series Pump Vac New 3.5hp motor with quieter operation. Features 10 gallon plastic tank with anti-tip design, built-in tool storage basket, convertible blower, cleaning tools, 8-foot hose with holder and improved filtration. 70,000 Points 22 Logon to citizensbank.com/rewards to view the most current rewards online. The most powerful blower combined with the best mulching system. With 200-mph blowing power, 24-cc gaspowered engine, Bigfoot nozzle and 400 cfm of air volume, this is one powerful lawn tool. Includes vacuum kit. 80,000 Points Get all the tools to help you tackle even the toughest home improvement projects, as well as the help you need cleaning up once you’re done. Eureka® Whirlwind Bagless Litespeed Vacuum Newly designed bagless wonder with quiet 12-amp motor, new spin duster and larger 3.5 dry quart capacity dust cup. Also features 15" cleaning path, HEPA filtration, stair/upholstery nozzle, stretch hose and onboard tools. 100,000 Points ★ T GREA ! DEAL Landscaping If you’ve ever envied the deep green, perfectly manicured lawns of your neighbors, this offer is perfect for you. One free lawn maintenance service, by a professional lawn care expert, will get your yard in good shape. Followed by a free private consultation, you will receive customized tips to keep it beautiful. For more information on the terms and conditions of this offer, please visit www.tlc-rewards.com/citizensrewards. 7,000 Points Professional Series® Ionic Breeze Table Top Air Purifier Ideal for bedrooms, kitchens, dorms or offices, this “mighty mite” from the Professional Series™ is perfect for smaller 15’ x 25’ spaces (up to 375 sq. ft.) Features removable front grill with OzoneGuard™ and PremAir® catalyst to convert ozone to oxygen. Efficient, compact air cleaner offers two speeds to circulate air with silent electronic propulsion. Using no more than eight watts and with no filters to replace, annual operating costs are under ten dollars. 85,000 Points 23 Business Rewards: Rewards that work for you Panasonic® Plain Paper Fax Brother® Hand-Held Labeling System Panasonic 5.8 GHz FHSS DualHandset Cordless Phone Crisp, clear calls every time with design that features Caller Waiting/Caller ID, handset speakerphone, 50-station memory dialer, light-up ID for incoming calls, intercom function, mute button, and adjustable volume. Includes belt clip. Create adhesive labels for home or office with laminated tapes in three handy widths. LCD display lets you preview before printing. Features one font in eight styles, five type sizes up to 22 points and offers numerous options, including vertical printing. 30,000 Points Features copier function, 10-sheet auto feeder, telephone navigator for 110 entries, auto fax/phone switching, 50sheet paper tray, 20-station broadcasting, four resolution modes, auto fax redial, distinctive ring detection, monitor speakerphone, two-line LCD display and Caller ID. 60,000 Points 30,000 Points COMP ART Sony® 3 Piece AM/FM CD Boom Box Moveable music for those on-the-go. Features CD player, dual stereo cassette deck and digital AM/FM stereo tuner with Mega Bass system. Four-pattern electronic sound modes, including rock, pop, jazz and vocal. Includes synchronized CD and cassette dubbing and remote. Has AC cord or operates on batteries (not included). an e l u d e Sch oday t t n e tm appoinee what our and s ss banking busine can do team ou. for y Royal® Crosscut Shredder Shreds five sheets in a single pass and features auto start/stop. Even accepts credit cards and staples. All waste is conveniently caught in 32 liter wastebasket. 35,000 Points 60,000 Points Looking to grow your business while simplifying the rest of your life? We offer an entire suite of banking services and solutions that will help you better manage your business — no matter what size it is right now or what size you want it to be in the future. Here are just some of services we offer: • Checking and savings options for every size business And the many levels of personalized service we provide: • Borrowing Solutions – from the #1 SBA lender in New England and the Mid-Atlantic region • Access your money—anytime, anywhere— by ATM, on the web, or over the phone • Free Online Banking and Bill Pay • Our local branches are staffed with a dedicated team of Business Banking specialists who will provide your company with personalized, on-site service • Debit and credit cards with rewards programs that you can structure to meet your needs • Merchant Services, Cash Management, Leasing, Payroll, Foreign Exchange, Bank at Work, Investment and Retirement Services 24 Logon to citizensbank.com/rewards to view the most current rewards online. You’ve not only earned the rewards, you’ve earned the right to choose which ones you’ll enjoy. Choose a reward from any of the previous categories, or any reward from the Business category. Your rewards. Your choice. AT&T Answering Machine Digital answering system features adjunct 40 minutes digital record time, English and Spanish voice prompts. single digit message and counter time/day stamp message guard. Memory requires no batteries. System also offers remote access, toll saver call screening intercept and CID number announce. 16,000 Points ★ T GREA ! DEAL Kluge Barrister Rolling Briefcase Business goes mobile. Designed to transport all your essentials, rolling case with retractable handle offers slide-in style center compartment for laptop that can be accessed without opening entire case. Inside, features three zip compartments, front panel for cards and pens, and spacious rear compartment. Exterior offers padded pockets for phone and more. In ballistic nylon. 60,000 Points Brother Personal Laser Printer High speed printing at up to 17 ppm and 250-sheet paper tray that handles standard sizes, card stock, letterhead, and envelopes. Features graphics quality 2,400 x 600 resolution, 8MB upgradeable memory, and USB/Parallel interfaces. PC/Mac compatible. 125,000 Points 25 Citizens Bank Rewards Programs General Terms and Conditions Please read these Terms and Conditions carefully and keep them for your records. By enrolling in the Citizens Bank Rewards Program (“Rewards Program”) at one of our branches or, if you apply over the telephone, or by using your Citizens Bank Debit Card for the first time after applying for the Program, you agree to the terms and conditions of the Rewards Program. In this Agreement, the terms “You” and “Your” means the person who has received the Card issued by Citizens Bank of Rhode Island and is authorized to use the Card as provided for in this Agreement. “We,” “Us,” and “Our” mean Citizens Bank, our successors, affiliates or assigns. Eligibility is restricted to Citizens Bank’s account holders whose accounts and cards are in good standing. What Are Everyday Points™ and How Can You Use them? Citizens Bank Everyday Points are awarded in several different ways, each of which is described below. You may use your Everyday Points to redeem a variety of products and services described in our Everyday Points catalog which may be viewed at www.mastercardrewards.net or www.citizensbank.com/rewards along with the corresponding Everyday Points award balance required to redeem each item. How Everyday Points Are Awarded You will automatically be awarded one (1) Everyday Point for every U.S. dollar in Net Purchases made with your Citizens Bank Debit Card. You will also earn one (1) additional Everyday Point for each U.S. dollar in Net Purchases made when you pay by tapping your Citizens Bank Debit Card on the PayPass™ reader next to cash registers at participating Merchant locations. You may also earn one (1) additional Everyday Point for each U.S. dollar in qualified Recurring Payments made with your Citizens Bank Debit Card. • “Net Purchases” mean the total Qualifying Purchases made on your enrolled Citizens Bank Account at a retail establishment using a Citizens Bank Debit Card, less any returns, credits, or adjustments that are not payments. • “Qualifying Purchase” means any signature-based purchase when you use your card as a MasterCard or any NON PIN transaction. • Recurring Payments mean regular, prescheduled payments using your debit card. Please note that our ability to identify Recurring Payment transactions and award Everyday Points is dependant on information required to be provided to us by the Merchant or service provider as part of the transaction. The following transactions are NOT Qualifying Purchases and therefore Points are not awarded on them: Point of Sale PIN Purchases, finance charges, other Account charges or fees, Automated Teller Machine (ATM) and bank teller withdrawals, wire transfers, the purchase of money orders, cashier’s checks, traveler’s checks, or other negotiable instruments, foreign currency, wager or lottery tickets, casino gaming chips, payments of loans, or similar cash equivalent transactions. Points are not awarded during any billing period in which your Citizens Bank Account is closed by us, suspended, or otherwise in default as defined in your Personal Deposit Account Agreement. Points are awarded at the end of each billing cycle on each of your eligible Citizens Bank Accounts. Any internet lottery, betting or gaming transactions or any illegal transactions are not eligible for Everyday Points. Transactions made using a Citizens Bank Make-A-Difference MasterCard® Debit are not eligible to earn Everyday Points. We reserve the right to verify and adjust Everyday Points at any time. Everyday Points must be posted to your account and reflected on your periodic Account statement in order to be redeemed. For certain promotions, our ability to award Everyday Points is dependent on information required to be provided to us by the Merchant as part of the transaction. You can see your Point redemptions and balances on your periodic account statement or online at www.mastercardrewards.net or www.citizensbank.com/rewards. Everyday Points Bonus Merchant Network You can earn Everyday Points when you use your Citizens Bank Debit Card as a MasterCard for purchases online, in-store, and catalog Merchants (“Bonus Merchants”) within our Merchant Network. Not all Qualifying Purchases at Bonus Merchants are eligible for bonus Everyday Points (example, in-store vs. online purchases made) and Citizens Bank does not guarantee the availability of any regular or Bonus Everyday Points. For a list of participating Bonus Merchants and associated Qualifying Purchases, please refer to the list contained herein, or logon to www.citizensbank.com/merchantnetwork or call us at 1-888-777-3946 (1-888777-3961 for business customers), 9a.m. to 9p.m. (Eastern Time) Monday - Friday and 10a.m. to 7 p.m. (Eastern Time) Saturday & Sunday. You may accumulate up to 20 Everyday Points, or such other amount that Citizens Bank may in its sole discretion decide, for each US dollar ($1.00) spent at our Bonus Merchants. Citizens Bank has reserved the right to change at any time, and without notice, the amount of Everyday Points it offers, as well as the terms and conditions of any qualifying purchase. Your continued enrollment in the Rewards Program thereafter will constitute acceptance of such terms and conditions. Citizens Bank does not represent or warrant that any Bonus Merchant will participate in the Rewards Program at the time you enroll or at any time thereafter. Everyday Points you earn as a result of Qualifying Purchases at Bonus Merchants will be posted to your Rewards Account within thirty (30) days of notice from a Bonus Merchant to Citizens Bank of your relevant transaction. You may logon to www.mastercardrewards.net or www.citizensbank.com/rewards to display a summary of points earned through the Merchant Network. We will not be liable for damages resulting from any failure to post Everyday Points to your account in a timely manner. You acknowledge and accept that you are solely responsible for checking your account regularly to verify that Everyday Points have been properly posted. If you believe that Everyday Points have not been properly posted to your Account in accordance with this Agreement, then you must inform Citizens Bank within one year of the qualified purchase for which you are claiming that Everyday Points should have been posted and you must be able to provide proof of such transaction acceptable to Citizens Bank. Citizens Bank reserves the right, however, to determine, in its sole and absolute discretion, whether Everyday Points should have been posted to your Account. You acknowledge that any such determination by Citizens Bank will be final and binding. You agree that Citizens Bank is not an agent of any Bonus Merchants and that Bonus Merchants operate independently of, and are not under the control of Citizens Bank with respect to the Rewards Program or otherwise. Accordingly, we do not represent or warrant, or give any assurances that any Bonus Merchants will provide Everyday Points for any particular transaction even where such transaction would appear to qualify for such points under either the Bonus Merchant or Citizens Bank statements. We are not responsible for the failure of any participating Bonus Merchant to award Everyday Points in accordance with the terms of that Bonus Merchant's offer. Further, your participation in offers or promotions of, or correspondence with, any participating Bonus Merchant is solely between you and that Merchant. We do not assume any liability, obligation or responsibility for any part of any such correspondence, offer or promotion, including without limitation the withdrawal or modification of any such offer or promotion. Also, no Bonus Merchant assumes any liability, obligation or responsibility for our conduct with respect to the Program. In our sole discretion, we may deduct Everyday Points from your Rewards Account in order to make adjustments for returns and cancellations with respect to Qualifying Purchases. How Everyday Points are Redeemed You must be actively enrolled in the Citizens Bank Rewards Program in order to redeem Everyday Points. Everyday Points must be posted your Account and reflected on a current Account statement in order to be redeemed. You hereby agree that any authorized signer on your eligible Account can redeem accumulated Everyday Points earned on the Account. To redeem your Everyday Points, logon to www.mastercardrewards.net or www.citizensbank.com/rewards or call 1-888-777-3946 (1-888-777-3961 for business customers), 9a.m. to 9p.m. (Eastern Time) Monday - Friday and 10a.m. to 7p.m. (Eastern Time) Saturday & Sunday. All rewards are subject to availability. Points are valid for three years. We may charge a $5.00 fulfillment fee for Merchandise, Gift Cards and Gift Certificates for redemption point levels of 10,000 and above. Merchandise and Gift Certificate/Card Rewards 1. You may use Points to obtain merchandise that we make available in the Program (the “Merchandise Rewards”) and gift certificates/ cards at participating retailers (the “Gift Certificate/Card Rewards”). We may change the merchandise selection or gift certificates/cards from time to time without notice to you. To learn about our current Merchandise and Gift Certificate/Card Rewards. To learn about our current Merchandise and Gift Certificate/Card Rewards go to www.mastercardrewards.net or 26 www.citizensbank.com/rewards or call 1-888-777-3946 (1-888-777-3961 for business customers). 2. If particular Merchandise is no longer available or is out of stock, we reserve the right to offer a substitute product of equal or greater value. 3. You must return damaged or defective merchandise to the Merchant or manufacturer according to the Merchant’s instructions to you. There are no returns, exchanges, or refunds for any Merchandise Rewards directly from Citizens Bank. 4. The manufacturer's warranty, if any, is the only warranty covering Merchandise Rewards. We make no guarantees, warranties or representations of any kind, expressed or implied, with respect to the Merchandise Rewards or the goods or services offered by any participating Merchant of a Gift Certificate/Card Reward. 5. Gift Certificate/Card Rewards will not be personalized and are transferable to any person. They are not exchangeable, refundable, re-loadable, or redeemable for cash; and cannot be replaced if lost or stolen. Mechanical reproductions, copies, or facsimiles will not be accepted. Additional terms and conditions appearing on the gift certificate/card or otherwise imposed by the Merchant or retailer will also apply. Other Rewards Program Terms and Conditions You can earn up to 10,000 Everyday Points per month per card number and 100,000 Everyday Points per calendar year per card. In addition, special opportunities to earn Bonus Everyday Points may be provided and maximum point accumulation limits may apply. Your Everyday Points have NO CASH VALUE. In any event, however, a maximum of $599.00 in Everyday Points may be earned by you in any enrollment year. If you or we close your Citizens Bank Account or terminate your participation in the Rewards Program, all Everyday Points will be forfeited even if your Citizens Bank Account is later reopened or you re-enroll in the Program. All points earned while enrolled are immediately forfeited if the membership is canceled for any reason. Points are not transferable and cannot be bought, sold, or used as payment on your Account. Points are not your property and have no cash value until redeemed for Rewards. Points earned using more than one Citizens Bank Debit Card with Citizens Bank Rewards that are tied to the same Account will accumulate on a combined basis and will appear on your monthly Account statement. Citizens Bank Rewards Program and benefits are offered at the sole discretion of Citizens Bank who reserves the right to cancel, change or temporarily suspend the Program at any time without notice. Cancellation or suspension could result in the forfeiture of earned points and a change in the redemption of any outstanding rewards. Suppliers of Rewards are independent contractors and are not our agents. We do not offer, endorse or guarantee any of the goods or services provided as part of the Rewards. All rewards are subject to availability. Certain restrictions apply. Citizens Bank Rewards Program is void where prohibited by federal, state, or local law. We reserve the right to amend these terms and conditions as well as fees at any time without notice. In addition, we may amend available rewards, levels of points required for a specific reward, level of points earned for purchases and eligible level of points allowed in a given period. We also reserve the right to change, delete from, or add to these Program Terms and Conditions, or to add, eliminate or change the Rewards or the number of Points needed to redeem them, or to terminate the Program entirely. We reserve the right to deny or revoke your Program eligibility at any time. We also reserve the right to disqualify any cardholder from participating in the Program and to invalidate all Everyday Points for abuse, fraud or any violation of the Program terms and conditions, at our sole discretion. The cardholder is responsible for any personal tax liability related to participation in the Program or as a result of points earned and/or redeemed. Citizens Bank does not warrant the quality, Merchantability, of fitness for a particular purpose of any merchandise or service you purchase with your Everyday Points. You must address any concern or complaint directly with the Merchant and agree that Citizen Bank is not responsible in any way for such purchases. You hereby agree to release, discharge, and hold harmless Citizens Bank, third party reward providers, and their respective subsidiaries, affiliates, employees, officers, directors, successors and assigns from all claims, damages or liability including but not limited to physical injury or death, arising out of participation in the Program. Further, you release us from any and all liability for any loss, expense, accident, injury or inconvenience that may arise in connection with the use or defect of any Reward or your participation in the Program. Electronic and Oral Communications We may rely on your oral and electronic instructions. In addition, you consent to the monitoring and recording of your telephone conversations with us for training or compliance purposes or to provide a record of your instructions. You agree that we will not be liable for honoring oral instructions received from any person claiming to be you, provided normal verification procedures have been followed. We may follow any instructions received by electronic means through the Citizens Bank Rewards website just as if you had given such instructions in person, regardless of whether or not you have personally initiated such instructions. You consent to the receipt of all reports, transaction confirmations, account statements, correspondence and other information from us electronically through either (i) access to your Rewards Account on the Citizens Bank Rewards website or (ii) the email address provided by you to us. We will not be responsible for your inability to connect to the Internet or to access the Citizens Bank Rewards website or otherwise not to receive electronic communications. Electronic communications are presumed to be delivered to and received by you when sent by us, whether actually received or not. You acknowledge that you have access to hardware and software meeting the system requirements set forth on the Citizens Bank Rewards website necessary to receive from us correspondence and records in electronic form. Governing Law This Agreement and the Program will be governed by and construed in accordance with the laws of the state of Rhode Island without regard to any principles of conflicts of laws. Miscellaneous Travel 1 Day National® Compact-Fullsize Car Rental Free Day applies to base rate only. Taxes, fuel and optional items not included. Subject to blackout dates, standard rental conditions, availability and 24-hour advance reservation. Valid only at participating locations. Not valid in Manhattan, NY or San Jose, CA. Up to three certificates can be combined. No credit for unused days. Voucher valid for up to (# of days) 24-hour rental period. Vouchers have expiration dates. This voucher will be received within 3-4 weeks signature required priority mail. The voucher contains a reservation code and toll free number for you to reference when calling the voucher provider to arrange your reservation. Vouchers may not be returned once received by award recipient. 1 Day Alamo® Premium-Luxury Car Rental Free Day applies to base rate only. Taxes, fuel and optional items not included. Subject to blackout dates, standard rental conditions, availability and 24-hour advance reservation. Valid only at participating locations. Not valid in Manhattan, NY or San Jose, CA. Up to three certificates can be combined. No credit for unused days. Voucher valid for up to (# of days) 24-hour rental period. Vouchers have expiration dates. This voucher will be received within 3-4 weeks signature required priority mail. The voucher contains a reservation code and toll free number for you to reference when calling the voucher provider to arrange your reservation. Vouchers may not be returned once received by award recipient. Ritz-Carlton® Currency Ritz-Carlton Currency is valid at all Ritz-Carlton hotels worldwide. It is not necessary to be a registered guest to use Ritz-Carlton Currency. Ritz-Carlton Currency may be used for all publicly listed and available room rates and packages, but cannot be used for convention, travel industry, tour, advance purchase, catering or group room rates. They are not replaceable if lost, stolen, destroyed or expired. See reverse side of Currency for complete terms and conditions. Ritz-Carlton cheques and awards expire 15 months from date of issuance. 1 Night Hyatt® Classic Level Certificate This voucher will be received within 3-4 weeks signature required priority mail. The voucher contains a reservation code and toll free number for you to reference when calling the voucher provider to arrange your reservation. Usage of this voucher is subject to availability with the named provider. Vouchers may not be returned once received by award recipient. Hyatt certificates expire 15 months from date of issuance. Best Western Travel Card The Best Western Travel Card can be used to pay for charges at more than 4,200 Best Western hotels worldwide. Travel Card is fully transferable. Not exchangeable for cash in part or other substitutions and no change will be given. Travel Card not replaced if lost, stolen or destroyed. Travel Cards do not expire. Terms are void where prohibited by law. Issued in Arizona, USA, by Best Western International, Inc. Best Western International, Inc. is not a sponsor or co-sponsor of this program and is not affiliated with Citizens Bank. Each Travel Card is subject to terms and conditions as published at www.travelcard.bestwestern.com, as amended. The Best Western name and logo are registered trademarks of Best Western International, Inc. Each Best Western hotel is independently owned and operated. All rights reserved. 2 Day National® Compact-Fullsize Car Rental National Car Rental is one of the world’s largest car rental companies, with approximately 3,000 locations in 72 countries across the globe. Voucher valid for up to two 24-hour rental periods of a compact through a full size 4-door car in the United States. Please refer to the Terms and Conditions for further details. National Car Rentals vouchers have expiration dates, please see specific certificate for details. 3 Day Alamo® Compact-Fullsize Car Rental Free Day applies to base rate only. Taxes, fuel and optional items not included. Subject to blackout dates, standard rental conditions, availability and 24-hour advance reservation. Valid only at participating locations. Not valid in Manhattan, NY or San Jose, CA. Up to three certificates can be combined. No credit for unused days. Voucher valid for up to (# of days) 24-hour rental period. Vouchers have expiration dates. This voucher will be received within 3-4 weeks signature required priority mail. The voucher contains a reservation code and toll free number for you to reference when calling the voucher provider to arrange your reservation. Vouchers may not be returned once received by award recipient. SeaWorld, Inc.®, Busch Entertainment Corporation® are not affiliated with Citizens Bank and are not a partner or sponsor of this program. Citizens Bank Gift Card The terms and conditions of the Gift Card are separate from the terms of the Citizen Bank Rewards Program and will arrive with the Gift Card. Use of the Gift Card constitutes acceptance of the Gift Card Terms and Conditions. The Gift Card Terms and Conditions are also available online at citizensbank.com/rewards. If the Citizens Bank Gift Card design that you select is out of stock, we reserve the right to substitute a different card design. Disclaimers Macy's is not affiliated with Citizens Bank and is not a sponsor of this promotion. Your Gift Card may be used to purchase merchandise and in-store services at any Macy's store or on-line at Macys.com and macysweddingchannel.com only. Additional returns may be applied to this card. It may not be redeemed for cash or applied as a payment or credit to your credit card account. When you make a purchase with your Gift Card, your receipt will show your remaining balance. Please safeguard your Gift Card. The bearer is responsible for its loss or theft. If your Gift Card is lost or stolen, and you have proof of purchase, we will issue you a replacement for the balance shown on our records. To check the balance of your Gift Card, call 1-800-511-2752 or see a Macy's Sales Associate. Your Gift Card is required for all inquiries. BP Gift Cards can only be used for purchases at participating BP and ARCO locations in the US. Use of the BP Gift Card is subject to the terms and conditions printed on the cards. BP is not affiliated with Citizens Bank, BP is not a sponsor or co-sponsor of this promotion. The BP name and logo are registered trademarks of BP p.l.c. Citizens Bank is not affiliated with The Home Depot®. The Home Depot® is a registered trademark of Homer TLC, Inc. The Home Depot® is not a sponsor of this promotion. Citizens Bank Rewards is a program provided by Citizens Bank. Staples is neither a sponsor of Citizens Bank Rewards nor an affiliate of Citizens Bank. Staples gift cards are valid in US stores only. Please see back of gift card for complete terms and conditions of use. Eddie Bauer® is a registered trademark of Eddie Bauer, Inc. Eddie Bauer Gift Certificates/Gift Cards have no cash value and cannot be combined with any other type of certificate, coupon or discount promotion, including the Eddie Bauer Rewards™ Program. Certificates/Gift cards cannot be redeemed for cash, or applied as payment to any credit card account or for prior or pending purchases. Eddie Bauer is not responsible for lost or stolen Certificates/Gift cards, or for funds used without your knowledge or other unauthorized use. Refunds or replacements may be issued with original proof of purchase or as required by law. All taxes, shipping and handling charges are the responsibility of the holder. Gift Certificates/Gift Cards can be redeemed by mail order catalog (1-800-426-8020), online (www.eddiebauer.com) or at any Eddie Bauer store in the United States or Canada. To find the Store nearest you call 1-800-552-8943. Omaha Steaks® gift certificates are redeemable for merchandise from Omaha Steaks Catalog, Retail Stores and Web. All direct shipped orders will be vacuum-wrapped, packaged and delivered frozen to your doorstep. Gift certificates have no cash value. Omaha Steaks will not be responsible for issuing cash, checks or additional certificates to customers who do not use the full value of their certificate(s). Legal Sea Foods® Gift Cards are redeemable at any Legal Sea Foods Restaurant locations, valid online at www.legalseafoods.com or by calling 800-343-5804 for mail order purchases. BEST BUY™ is not affiliated with Citizens Bank. Best Buy does not sponsor, endorse, approve or have any responsibility for this promotion. BEST BUY and the BEST BUY logo are trademarks of Best Buy Enterprise Services, Inc. Darden Restaurants®, Inc. (Red Lobster®, Olive Garden®, Bahama Breeze®, Smokey Bones®) is not affiliated with Citizens Bank. Darden Restaurants is not a sponsor or co-sponsor of this program. Use of our restaurant names, logos or trademarks requires written approval from Darden Restaurants, Inc. See backside of gift card for additional terms and conditions or visit www.dardenrestaurants.com/legal.asp Exxon Mobil Corporation is not a sponsor or co-sponsor of this program. ExxonMobil Cash Cards are issued and sold by SVM, an Illinois Limited Partnership. Sephora is not affiliated with Citizens Bank and is not a participating partner in or sponsor of this promotion. The Sephora® name and logo are registered trademarks of Sephora USA and are used by license by Sephora USA, Inc. Sephora is not responsible for lost or stolen gift cards. Please see the back of the gift card for all terms and conditions of use. The Bullseye Design and Target are registered trademarks and Target GiftCard is a service mark of Target Brands, Inc. All rights reserved. Target is not a participating partner in or sponsor of this offer. Applebee’s International, Inc. is not affiliated with Citizens Bank and shall not be considered a sponsor or co-sponsor of this program. Applebee’s International, Inc. shall not be liable for delivery of any gift cards promised, earned, purchased or otherwise offered through this program. “Applebee’s” and the Applebee’s logo are used with permission of Applebee’s International, Inc. and such marks constitute registered trademarks or service marks of Applebee’s International, Inc. Terms and conditions are applied to gift cards. Please see the Applebee’s gift card for additional terms and conditions, which are subject to change at the sole discretion of Applebee’s International, Inc. An unlimited number of gift certificates may be used per order at www.cabelas.com. Cabela’s gift certificates may not be returned or exchanged. Citizens Bank is is not affilated with Wal-Mart Stores, Inc. The services, products, or activities of Citizens Bank are neither endorsed nor sponsored by Wal-Mart Stores, Inc. Terms and Conditions: Your use of this card constitutes acceptance of the following terms and conditions. This card may be applied toward any purchase at any OfficeMax store, or at OfficeMax Direct at 1-877-OFFICEMAX (1-877-633-4236). This card is not redeemable for cash or credit, except in California or where otherwise required by law. This card will not be replaced or replenished if it is lost, stolen, or used without your permission. It will be voided if altered or defaced. After 24 consecutive months of non-use, a $2.00 per month (retroactive to the beginning of the 24 month period) dormant account fee will be deducted from the value of the card until the card is used or the value of the card is reduced to $0, whichever occurs first, except in California or where otherwise prohibited by law. Dunkin’ Donuts is not affiliated with Citizens Bank and shall not be considered a sponsor or co-sponsor of this program. Dunkin’ Donuts shall not be liable for delivery of any gift cards promised, earned, purchased or otherwise offered through this program. Dunkin’ Donuts and the Dunkin’ Donuts logo are used with permission of Dunkin’ Donuts and such marks constitute registered trademarks or service marks of Dunkin’ Donuts. Terms and conditions are applied to gift cards. Please see the Dunkin’ Donuts gift card for additional terms and conditions, which are subject to change at the sole discretion of Dunkin’ Donuts. (c) 2007. DD IP Holder LLC. All rights reserved. The Dunkin' Donuts trademarks, logos and designs are registered trademarks of DD IP Holder LLC and used under license. Amazon.com is not a sponsor of this promotion. Amazon, Amazon.com, and the Amazon.com logo are registered trademarks of Amazon.com, Inc. or its affiliates. Amazon.com gift certificates are issued by A2Z Gift Certificates, Inc. and are redeemable only at www.amazon.com. See www.amazon.com/gc-legal for terms and conditions of use of Amazon.com gift certificates. Use at any Timberland® retail or outlet store in the U.S. or at timberland.com. Use of this card constitutes acceptance of the following terms: Except in California, this card is not redeemable for cash. Lost or stolen cards cannot be replaced. Timberland and the Timberland logo are trademarks or registered trademarks of The Timberland Company. ©2007 The Timberland Company. All rights reserved. For balance information, call 1-800-545-6904. For store locations, visit timberland.com. Your purchase or use of this card constitutes acceptance of the following terms and conditions. For balance inquiry or customer service, please visit www.hollywoodvideo.com/giftcards or call 1-877-612-7490 . To reload this card please visit any Hollywood Video ® or Game Crazy ® store. This card is redeemable for rentals and merchandise at any Hollywood Video or Game Crazy store. Except as required by law, this card will not be redeemed for cash and will not be replaced if it is lost, stolen or used without your permission. After 12 months of non-use, a service fee of $1.50 per month may begin to be deducted from the remaining balance of the card (unless prohibited by law). This card has not implied warranties and is not a credit or debit card. © 2007 Hollywood Entertainment Corporation. To redeem your 1-800-FLOWERS.COM® gift card online, visit www.1800flowers.com and complete the online gift card field during checkout. To redeem your gift card by telephone - dial 1-800-356-9377 and inform the gift advisor that you have a gift card and provide the dollar amount and serial number on the back of the card. To redeem your gift card at a 1-800-FLOWERS store stop by any participating location and present your gift card. The 1-800-FLOWERS.COM gift card is only redeemable for 1-800-FLOWERS.COM® merchandise and may not be used for payment on any 1-800-FLOWERS.COM personal account, to purchase another gift card or towards previously purchased merchandise. No cash refunds. Void where prohibited. © 2007. By accessing or using www.TicketsNow.com/pointrewards you acknowledge and agree to the disclaimers, terms, and conditions set forth below: http://www.ticketsnow.com/info/terms.html, please read carefully. Bath & Body Works is not a sponsor of this promotion and is not affiliated with Citizens Bank. The Bath & Body Works® name and logo are registered trademarks of Bathco, Inc. The Yankee Candle Company, Inc. is not affiliated with Citizens Bank and shall not be considered a sponsor or co-sponsor of this program. The Yankee Candle Company, Inc. shall not be liable for delivery of any gift cards promised, earned, purchase or otherwise offered through this program or for funds used without your knowledge or unauthorized use. Yankee Candle Gift Cards have no cash value and cannot be redeemed for cash or combined with any type of certificate, coupon or discount promotion. Please see back of gift card for full terms and conditions. Gift cards may be redeemed by mail order catalog (1-800-243.1776), on line at www.yankeecandle.com or at any Yankee Candle company store. Yankee Candle is a registered trademark of Yankee Candle Company. Beauty Terms and Conditions 1. This Free Beauty offer entitles the voucher bearer to one free treatment at a participating salon as specified by a TLC Concierge Representative. 2. This offer is subject to availability. 3. All repeat visits will cost full price. 4. The bearer of this offer must call TLC’s Concierge Service, in advance, to schedule an appointment at a local participating salon. 5. This offer may not be used in conjunction with any other TLC Beauty Treatment offer at the same venue. 6. On arrival at the salon, voucher must be handed over. 7. Individuals accompanying the voucher holder must pay the regular price for any service(s) received at the salon. 8. All participating salons are contracted to participate in the free beauty offer. The promoter, TLC Marketing, its agents and distributors cannot be held responsible for any beauty salon subsequently declining acceptance of vouchers for any reason. 9. Participating salons reserve the right to vary times and availability (e.g. Public Holidays). Some participating salons may have restricted times on the availability of the offer. 10. Photocopied vouchers will not be accepted. 11. Issued vouchers have no monetary value and are non-transferable. 12. The promoter, TLC Marketing, its agents and distributors accept no responsibility, financial or otherwise, for the misuse of this offer, are not liable for any personal loss, injury or illness at featured beauty salons, and cannot be held responsible for any disagreement concerning quality or availability of featured venues. 13. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend any details without notice. 14. This information is correct at the time of printing, although salons reserve the right to change details at any time. 15. Offer valid until 3/1/08. 16. TLC Marketing may substitute another reward, of equal or greater value, if promotional availability runs out. 17. Vouchers are issued by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109 Free Cooking Lesson Terms and Conditions 1. This free “Cooking Lesson” offer entitles voucher bearer to one complimentary Cooking lesson, either with a chef that comes to their residence or at participating Cooking schools, restaurants or instructional locations. 2. This offer is subject to availability. 3. All repeat visits / lessons will cost full price. 4. Voucher bearer must call TLC’s Concierge Service in advance to schedule an appointment for the lesson. 5. This offer may not be used in conjunction with any other TLC free “Cooking Lesson” offer at the same venue. 6. Only one person per voucher may receive a free Cooking lesson. Anyone accompanying the voucher holder must pay the regular price for their service. 7. The promoter, TLC Marketing, its agents and distributors cannot be held responsible for any Cooking instructor / school subsequently declining acceptance of offer for any reason of their own. 8. Some participating instructors / schools may have restricted times on the availability of the offer. 9. Photocopied vouchers will not be accepted. 10. Issued vouchers have no monetary value and are non-transferable. 11. TLC Marketing, its agents and distributors accept no responsibility, financial or otherwise, for the misuse of this offer, are not liable for any personal loss, injury or illness at featured locations, and cannot be held responsible for any disagreement concerning quality or availability of featured services or venues. 12. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend any details without notice. 13. This information is correct at the time of printing, although instructors / schools reserve the right to change details at any time. 14. Offer valid until 3/1/08. 15. TLC Marketing may substitute another reward, of equal or greater value, if promotional availability runs out. 16. Vouchers are issued by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. 27 Cruise Terms and Conditions: 1. TLC Cruise offer is valid for passage of two adults on a 5 day/ 4 night cruise. 2. Airline tickets, airport transfers, port charges and miscellaneous expenses are not included. This offer does include most shipboard meals and activities. No alcoholic beverages are included with this offer. 3. Accommodations are in select cabins. A TLC Representative can provide information on available upgrades such as (a) Upgrade of cabin category (b) Upgrade of cruise duration and /or itinerary (c) additional passenger upgrade. 4. This offer is subject to availability on specific cruises and cabin allotment. 5. This offer does not include travel insurance. All passengers are responsible for purchasing adequate travel insurance prior to departure. 6. Voucher bearers are responsible for any damage to the cabin during stay. 7. CANCELLATION POLICY: All confirmed reservations are final and may not be changed in any way or transferred to another party. All cancellations must be made in writing directly to TLC Marketing. There will be a mandatory charge if a reservation is canceled OR amended. This offer is non-refundable. 8. Only one travel offer per person per household can be used in a 12 month period. This offer is not valid for groups and cannot be used in conjunction with any other promotional travel package. No discounts of any kind, including coupons may be used in conjunction with this offer. Please DO NOT leave for cruise until written booking confirmation has been received as cruises are booked according to availability. This offer is valid for the cruise only. 9. This offer is void where prohibited by law. No other representations, oral or otherwise, are valid in conjunction with this offer. This package is subject to change without notice. All travel generated from the use of the voucher must be completed by the expiration date shown on the certificate. 10. All passengers must be 21 years of age or older with a valid drivers license and a major credit card. All travelers need proof of citizenship and passport. Resident aliens require an Alien Resident Card. Aliens require a valid Passport and U.S. Multiple Re-entry Visa. Resident aliens and aliens must contact appropriate consulate to inquire about necessary travel documentation. 11. Group travel, being two or more cabins traveling together, is not permitted. The use of this certificate is for the intended recipient having qualified during the course of a promotion authorized by TLC Marketing and/or its agents. 12. All travel arrangements must be made at least 90 days in advance. Reservations can only be made upon payment in full of any monies owed. This voucher does not include port charges, government departure taxes, or booking fees. 13. Cruise must be booked prior to 2/1/08 with travel occurring before 3/1/08. Cruises are subject to promotional availability. 14. While TLC Marketing will endeavor to match one of your selected dates and destinations, accommodations and dates cannot be guaranteed and are subject to availability. 15. Traveler is responsible for making additional travel arrangements (e.g. flights, insurance, airport transfer, etc.) 16. Upon receipt of completed registration and once a reservation has been made, correspondence will be sent providing details on available sailing dates and booking procedures. 17. TLC Marketing is solely responsible for this offer and reserves the right to reject any applications submitted in contravention of these terms and conditions. 18. TLC Marketing reserves the right to share personal information with third parties for the purpose of this promotion. 19. TLC Marketing, the promoter, its agents and distributors cannot accept responsibility for any failure on the part of the traveler to present the cruise confirmation forms on check-in, resulting in no admittance. 20. TLC Marketing is not responsible for any act of God, and/or any other circumstances beyond control which may reduce or eliminate the availability of cruises. 21. Due to the promotional nature of this program, voucher may not be sold or bartered to the end user and are non-transferable. 22. Neither TLC Marketing nor its agents and distributors will subject to any liability in relation to this program. 23. The promoter accepts no responsibility for vouchers lost, stolen, delayed, damaged, or destroyed in the mail. 24. This promotion is administered by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor, Boston, MA 02109. Round -Trip Flight Terms and Conditions: 1. This Free Flight offer entitles voucher bearer to one free round trip airline ticket to one of the following destinations in the Continental US: Boston, MA; Chicago, IL; Dallas, TX; Las Vegas, NV; Los Angeles, CA; Miami, FL; New York City, NY; Orlando, FL; Phoenix, AZ or Washington, DC. Originating flights are available from up to 40 regional US airports. The departure airport and chosen destination will determine the airline used. No substitutions allowed. 2. Supplemental fees, airport taxes, passenger service charges and airline failure insurance are excluded and, where applicable, are payable on confirmation. 3. Additional passengers may be booked and will pay applicable standard airfares. 4. On receipt of booking request, traveller will be contacted within 14 calendar days to confirm flight availability and any charges arising from additional passengers, additional fees or taxes. 5. TLC Marketing will offer flights with all leading airlines, subject to availability. 6. Only one voucher may be used per booking, household or group travelling together and may not be used in conjunction with any other discounts or promotional offers. 7. After Booking Form is submitted voucher is not transferable. 8. Issued vouchers cannot be sold, resold, returned or redeemed for cash. Cash value $0.001. Photocopied vouchers will not be accepted. 9. There is no cash alternative to this offer. 10. All reservations are subject to availability 11. No cancellations or amendments are possible after booking confirmation with TLC Marketing. If changes/cancellations are required, they must be made through the TLC Travel Concierge and are subject to applicable airline cancellation/change fees. 12. The promoter and TLC Marketing cannot be held responsible for any alterations to flight schedules, routes and destinations and reserve the right to use alternate suppliers if needed. TLC Marketing reserves the right to withdraw this offer without notice in the event of war, earthquake, catastrophe, strikes or similar event. 13. The promoter, TLC Marketing, its agents and distributors accept no responsibility, financial or otherwise for the misuse of this voucher, are not liable for any personal loss, property loss, injury or illness at featured airlines, and cannot be held responsible for any disagreement concerning quality or availability of featured airlines. 14. A minimum of 30 days notice is required before travel. The booking voucher must be postmarked no later than 2/1/08. 15. This offer is valid through 3/1/08. All bookings must be completed by this date. No bookings will be accepted after this date. 16. The booking instructions (how to book) and all other information stated within this document also form part of the terms and conditions of this offer. 28 17. The promoter and TLC Marketing reserve the right to refuse redemption of any vouchers submitted by persons abusing the intent of this program. 18. All applicants must be 18 years of age and a legal resident of the United States of America or District of Columbia. This offer is void in Puerto Rico, Guam and where prohibited by law. 19. TLC Marketing may substitute another reward, of equal or greater value, if promotional availability runs out. 20. This voucher is issued by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. Golf Terms and Conditions 1. This golf offer entitles one person to one free greens fee, at the normal 18 hole, adult visitor rates at local participating courses. 2. This offer can be used during any season, but is subject to availability. 3. Only one voucher can be used per foursome or golf party. 4. All repeat visits will cost full price. 5. The voucher bearer must call TLC’s Concierge Service, in advance, to set up a tee time. 6. Some courses may require a cart prior to 1:00pm (not included). 7. The offer must be handed to the club before your pre-arranged tee time starts. 8. This offer cannot be used in conjunction with any other promotional offer. 9. Each participating course reserves the right to make final decision of admission, according to the rules and regulations established at their establishment. The promoter and TLC Marketing cannot be held responsible for this decision. 10. The promoter and TLC Marketing cannot be held responsible for any disagreements concerning availability and quality of services, nor accept any liability for personal loss or injury at the featured courses. Any dispute must be settled directly with the course concerned. 11. The promoter, TLC Marketing, its agents or distributors cannot be held responsible for any course subsequently declining acceptance of vouchers for reasons of their own. 12. Photocopied vouchers will not be accepted. 13. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend any details without notice. 14. This offer has no monetary value and is non-transferable. 15. This offer does not allow the bearer admission to tournaments, cart rentals, food, pro shop items etc. 16. This information is correct at the time of printing, although participating courses reserve the right to change details at any time. 17. Offer valid until 3/1/08. 18. TLC Marketing may substitute another reward, of equal or greater value, if promotional availability runs out. 19. This offer is issued by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. Landscaping Terms and Conditions: 1. This free landscaping offer entitles the voucher bearer to one free lawn maintenance service and consultation, by a professional landscaper, as indicated by TLC Concierge Representative. In winter seasons, and where applicable, this offer may include snow removal. 2. This offer is subject to availability. 3. All repeat services will cost full price. 4. Offer participants must call TLC’s Concierge Service, in advance, to schedule an appointment for a landscaping service. 5. This offer may not be used in conjunction with another TLC landscaping voucher with the same service provider. 6. Only one person per household per voucher may receive a free landscaping service at one time. 7. Participating landscapers are contracted to participate in the free landscaping offer. The promoter, TLC Marketing, its agents and distributors cannot be held responsible for any landscaper subsequently declining acceptance of vouchers for any reason of their own. 8. Participating landscapers reserve the right to vary times and availability (e.g. Public Holidays.) Some participating landscapers may have restricted times on the availability of the offer. 9. Photocopied vouchers will not be accepted. 10. This voucher has no monetary value and is non-transferable. 11. The promoter, TLC Marketing, its agents and distributors accept no responsibility, financial or otherwise, for the misuse of this offer, are not liable for any personal loss, injury or illness with featured landscapers or as a result of services provided, and cannot be held responsible for any disagreement concerning quality or availability of featured services. 12. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend any details without notice. 13. This information is correct at the time of printing, although landscapers reserve the right to change details at any time and without notice. 14. Offer valid until 3/1/08. 15. TLC Marketing may substitute another reward, of equal or greater value, if promotional availability runs out. 16. This offer is administered by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. Round of Golf and Beauty Treatment Terms and Conditions: 1. This combination reward entitles the bearer to one free greens fee, at the normal 18 hole, adult visitor rates at local participating courses, AND one free beauty treatment at a participating salon or spa. 2. This offer is subject to availability. 3. All repeat visits will cost full price. 4. Voucher bearers must call TLC’s Concierge Service, in advance, to schedule an appointment at a local participating salon or spa or to schedule a tee time at a participating golf course. 5. The individual vouchers must be handed over upon arrival at the chosen course or beauty salon. 6. This offer cannot be used in conjunction with any other promotional offer. 7. The information in this brochure is correct at the time of printing, although courses and salons reserve the right to change details at any time. 8. Some courses require a cart prior to 1:00pm (not included). 9. Anyone accompanying the voucher holder must pay the regular price for round of golf or beauty service. 10. Each participating venue reserves the right to make final decision of admission, according to the rules and regulations established at their establishment. The promoter and TLC Marketing cannot be held responsible for this decision. 11. Participating salons, spas and courses are all contracted to participate in this offer. The promoter, TLC Marketing, its agents and distributors cannot be held responsible for any courses and beauty salons subsequently declining acceptance of vouchers for any reasons of their own. 12. Participating courses and beauty salons and spas reserve the right to vary times and availability (e.g. Public Holidays.) Some participating courses and salons may have restricted times on the availability of this offer which will be disclosed by TLC Concierge Representative at time of booking. 13. The promoter and TLC Marketing, its agents and distributors cannot be held responsible, financially or otherwise, for the misuse of this offer, for any disagreements concerning availability and quality of services, nor accept any liability for personal loss, injury or illness at the featured courses, spas and beauty salons. Any dispute must be settled directly with the course or salon concerned. 14. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend any details without notice. 15. Photocopied vouchers will not be accepted. 16. Vouchers have no monetary value and are non-transferable. 17. This offer does not allow the bearer admission to golf tournaments, car rentals, food, pro shop items etc. 18. Offer valid until 3/1/08. 19. TLC Marketing may substitute another reward, of equal or greater, value if promotional availability runs out. 20. This offer is administered by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. World for Free Terms and Conditions: 1. The TLC World for Free offer entitles participant and up to four traveling companions to one week’s vacation accommodations in a selection of destinations throughout Europe and the rest of the World, subject to the chosen destination being available. 2. Meals, transport (including flights, airport transfers, and airport tax) and personal expenses are not included. Travelers may be required to contribute to resort utility charges for electricity, telephone and water. If applicable, participants will be advised in prior to booking. 3. Resorts often have on-site facilities although there is no guarantee these will be available all year round. 4. All passengers are responsible for purchasing adequate travel insurance before traveling. 5. Travelers are responsible for any damage to the accommodations during stay and the resort may ask for a breakage deposit upon arrival. This is not included with the TLC World for Free offer. 6. Accommodations must be booked prior to 2/1/08 with travel occurring prior to 3/1/08. All accommodations are subject to promotional availability. 7. To be eligible to use TLC World for Free Voucher individuals must be over 18 years of age (21 if traveling to the US). 8. TLC’s Concierge Service reserves the right to reject any applications submitted in contravention of these Terms and Conditions. 9. This offer is not transferable and may not be used in conjunction with any other offer. No cash or credit alternative is available. Strictly one booking per voucher booklet per household. 10. Upon receipt of completed registration and an accommodation reservation has been made, written confirmation with booking details will be mailed. 11. While TLC’s Concierge Service will endeavor to match one of the selected dates and destinations, all accommodations and dates cannot be guaranteed and are subject to availability. 12. Booking requests may only be accepted in the advance booking time scales. Bookings for certain destinations are based on late availability. The promoter reserves the right to replace the offer with another of greater or equal value. 13. Participants are responsible for making own travel arrangements (e.g. flights, insurance, and airport transfer). 14. CANCELLATION POLICY: All confirmed reservations are final and may not be changed in any way or transferred to another party. All cancellations must be made in writing directly to TLC Marketing. There will be a mandatory charge if a reservation is canceled OR amended. This offer is nonrefundable. TLC’s Concierge Service reserves the right to charge per accommodation for failure to check-in on chosen date. This cancellation policy only applies to the accommodations booked through TLC’s Concierge Service. Any other travel elements (e.g. flights, insurance, transfer) booked by a customer will be subject to supplier’s standard terms and conditions. 15. All passengers should ensure they have a valid passport and visa, if necessary. 16. TLC Marketing, the promoter, its agents and distributors cannot accept responsibility for any failure on the traveler’s part to present confirmation forms on check-in to the affiliated resorts which may result in no admittance. 17. Additional accommodations may be booked at selected resorts for an additional fee per apartment per week (for up to 4 people), subject to availability. 18. TLC Marketing reserves the right to make minor changes to this offer at anytime after publication. 19. TLC Marketing reserves the right to share information with third parties for the purpose of this promotion. 20. The TLC World For Free voucher booklet, and these terms and conditions contain all of the terms and conditions of this promotion, and cannot be varied by oral representation. No claims will be honored or acknowledged outside of these terms and conditions. The submission of a completed redemption form amounts to acceptance of these terms and conditions and to their interpretation under American law in the event of any dispute. 21. Neither TLC Marketing nor its agents and distributors will have any liability in relation to this promotion. 22. The promoter is not obliged to enter into any correspondence regarding this promotion. 23. The promoter accepts no responsibility for voucher booklets lost, delayed or damaged in the mail. 24. TLC World for Free vacation accommodations may only be issued by TLC Marketing upon receipt of the completed redemption form questionnaire. 25. This TLC World for Free promotion is administered by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor, Boston, MA 02109. Year of Golf Terms and Conditions: 1. This offer entitles one person to one free greens fee at the normal 18 hole/adult visitor rate at a participating golf course per each of a 12 month time frame. Each voucher is only valid for the month/year indicated on the front of the voucher. (Some vouchers have dual year validity as detailed on the front of that voucher). 2. This offer may be used Monday through Thursday during any season, but is subject to availability. 3. All repeat visits within the vouchers valid month will be charged at full price. 4. The bearer of this offer must call TLC’s Concierge Service in advance to book a tee time at the chosen course prior to arrival. 5. Some courses require a cart prior to 1:00pm (not included) 6. Only one TLC voucher can be used per foursome or golf party and only one TLC voucher may be used at a time. 7. The voucher must be handed in at the club prior to scheduled tee-time. 8. This offer cannot be used in conjunction with any other promotional offer. 9. Each course featured reserves the right to make the final decision of admission, according to the rules and regulations established at their course. The promoter and TLC Marketing cannot be held responsible for this decision. 10. The promoter and TLC Marketing cannot be held responsible for any disagreements concerning availability and quality of services, nor accept any liability for personal loss or injury at the featured courses. Any dispute must be settled directly with the course concerned. 11. The promoter, TLC Marketing, its agents and distributors cannot be held responsible for any course subsequently declining acceptance of vouchers for reasons of their own. 12. Photocopied vouchers will not be accepted. 13. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend any details without notice. 14. This offer has no monetary value and is non-transferable. 15. This offer does not allow the bearer admission to tournaments, cart rentals, food, pro shop items etc. 16. This information is correct at the time of printing, although participating courses reserve the right to change details at any time. 17. TLC Marketing may substitute another reward of equal or greater value if promotional availability runs out. 18. This offer is administered by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. Year of Landscaping Terms and Conditions: 1. This offer entitles the bearer to one free lawn maintenance service and consultation, by a professional landscaper, indicated by your TLC Concierge Representative. In winter seasons, and where applicable, this offer may include snow removal. Each voucher is only valid for the month/year indicated on the front of the voucher. (Some vouchers have dual year validity as detailed on the front of that voucher). 2. This offer is subject to availability. 3. All repeat services will cost full price. 4. The bearer of this offer must call TLC’s concierge service in advance to schedule an appointment for a landscaping service. 5. The bearer of this offer may not use another TLC landscaping voucher in conjunction with the same service provider. 6. This offer may be redeemed by only one (1) person for one (1) landscaping service at a single property within a single month. 7. Participating landscapers are all contracted to participate in the free landscaping offer. The promoter, TLC Marketing, its agents and distributors cannot be held responsible for any landscaper subsequently declining acceptance of vouchers for any reasons of their own. 8. Participating landscapers reserve the right to vary times and availability (e.g. Public Holidays.) Some participating landscapers have restricted times on the availability of the offer. 9. Photocopied vouchers will not be accepted. 10. This voucher has no monetary value and is non-transferable. 11. The promoter, TLC Marketing, its agents and distributors accept no responsibility, financial or otherwise, for the misuse of this offer, are not liable for any personal loss, injury or illness with featured landscapers or as a result of services provided, and cannot be held responsible for any disagreement concerning quality or availability of featured services. 12. The promoter, TLC Marketing, its agents and distributors cannot replace any lost, stolen, or damaged vouchers, and reserve the right to amend the details of this offer without notice. 13. This information is correct at the time of printing, although landscapers reserve the right to change details at any time without notice. 14. Offer valid until 3/1/08. 15. TLC Marketing may substitute another reward, of equal or greater value, if promotional availability runs out. 16. This voucher is issued by TLC Marketing located at 1 Faneuil Hall Marketplace, 4th Floor Boston, MA 02109. Satisfaction Guarantee Your satisfaction is important to us. If, for any reason, the item you’ve ordered is damaged, defective or shipped incorrectly, the manufacturer’s warranty applies just as if you had purchased it yourself. 29 03002-CIT 3/07 ©2007 Citizens Bank, Member FDIC