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UBS Preferred Visa

Signature® credit card

My Choice Rewards

program and beneﬁts details

UBS Preferred Visa Signature credit card

My Choice Rewards program and beneﬁts details

The following terms and conditions apply to the UBS My Choice

Rewards program (Program). These terms and conditions supersede all

existing terms and conditions of the Program, including those

contained in any previous Program guides. Please read these terms and

conditions carefully. Use of your UBS Preferred Visa Signature credit

card (Card(s)) aer you receive these terms and conditions, and any

use of the Program or a service or beneﬁt under the Program, will

signify that you have read and agreed to all of the following provisions.

As used in these terms and conditions, the words “you” or

“Cardholder” mean any client who holds an activated Card and is

enrolled in the Program.

The Program is oﬀered by UBS Bank USA as an additional beneﬁt of

your Card, and is administered by TSYS Loyalty, Inc. (TLI), an

independent company that is not afﬁliated with UBS Bank USA. The

words “we”, “us” and “our” refer to, collectively, UBS Bank USA and

its successor ﬁrms, subsidiaries or afﬁliates (collectively UBS Bank) and

TLI. The word “UBS Account” refers to the UBS Resource Management

Account

(RMA

) or Business Services Account BSA

with which a Card

or Cards are associated, if any. Your UBS Account is oﬀered by UBS

Financial Services Inc. and its successor ﬁrms, subsidiaries, or afﬁliates

(and together with UBS Bank, collectively UBS FSI). UBS FSI is not

responsible for any aspect of the Program.

The word “Points” refers to the way we value rewards for redemption.

Points have no cash value, and may be used only in accordance with

the terms of the Program. Points may not be purchased, sold, bartered,

or given, except as expressly permitted in these terms and conditions.

The Program is a proprietary oﬀering of UBS Bank and is separate from

and independent of all other rewards or Points programs (including,

without limitation, rewards oﬀered by the UBS Preferred Visa Signature

rewards program).

Questions regarding the Program, including questions about your Point

balance and Point redemption, may be directed to the UBS Rewards

Service Center at 800-762-1000. Redemptions are available between

7:00 a.m. and 9:00 p.m., Monday through Friday, and between 9:00

a.m. and 9:00 p.m., Saturday and Sunday, Eastern Time (ET), or online

anytime at ubs.com/onlineservices. Written correspondence should be

addressed to UBS Bank USA, Card Operations Division, 1000 Harbor

Boulevard, 8th Floor, Weehawken, NJ 07086.

Important notice:

The services and beneﬁts (collectively Beneﬁts) referenced in this guide

are oﬀered and provided by merchants and providers (collectively

Providers) independent of UBS Bank and the Providers are solely

responsible for the provision of the Beneﬁts. UBS Bank makes no

express or implied representation or warranty concerning any Beneﬁt

and will not be liable for injury, damage, loss or expense resulting from

your acceptance or use of a Beneﬁt from a Beneﬁt’s defect or failure.

UBS Bank expressly disclaims any implied warranty of merchantability

or ﬁtness of a Beneﬁt for a particular purpose. Please see disclosures

for particular Beneﬁts for the terms and conditions applicable.

UBS Bank USA and UBS FSI are subsidiaries of UBS AG. Resource

Management Account, RMA and Business Services Account BSA are

registered service marks of UBS FSI.

The UBS Preferred Visa Signature credit card is issued by UBS Bank USA

pursuant to a license from Visa U.S.A. Incorporated. Visa is a registered

service mark and/or trademark of Visa International. The UBS Preferred

Visa Signature credit card is not available for International Resource

Management Account (IRMA) clients.

All other trademarks, registered trademarks and service marks belong

to their respective owners.

These terms and conditions shall be construed and interpreted under

the laws of Utah without regard to its conﬂict of laws provisions. Any

dispute arising out of or relating to the Program, these terms and

conditions, or the relationship between you and us is subject to the

Arbitration provision in your Card agreement.

Eligibility

Program and Beneﬁt eligibility is restricted to Cardholders with a Card

or Cards in “Good Standing” as determined in the sole discretion of

UBS Bank. Your UBS Preferred Visa Signature credit card account will

not be in Good Standing for reasons that include, but are not limited

to, the following: your account has been closed, any payment due from

you is received late, you fail to pay at least the minimum due or any

payment made by you is not honored by your bank. You may contact

your Financial Advisor with questions about the Program. All questions

or disputes regarding account and transaction eligibility will be

determined exclusively by UBS Bank, whose decision shall be ﬁnal. UBS

Bank reserves the right to terminate a Program membership at any

time. UBS Bank also reserves the right to alter, substitute or terminate

all or any part of the Program or any Program reward (reward), or to

modify the terms and conditions of the Program or Points previously

earned therein for any reason in its sole discretion.

In accumulating Points, Cardholders may not rely upon the continued

availability of any rewards or Point redemption level for a reward;

Cardholders may not be able to obtain all oﬀered rewards. Any reward

may be withdrawn or subject to increased Point redemption

requirements and/or new restrictions at any time. Should UBS Bank

decide to terminate the Program, not less than 30 days’ prior written

notice will be given to current Cardholders. Cardholders will be allowed

not less than 90 days following the eﬀective date of Program

termination to redeem outstanding Points. UBS Bank will provide

reasonable options for redemption of such outstanding Points.

Point accrual and tracking

For UBS Preferred Visa Signature credit card clients, 3 Points will be

awarded for every $1 of Net Purchases made on air travel; 2 Points will

be awarded for every $1 of Net Purchases made on gas and groceries,

and 1 Points for every $1 of Net Purchases on all other eligible

purchases made on the UBS Preferred Visa Signature credit card(s).

“Net Purchases” means the dollar value purchased with the Cards,

made by a Cardholder or any authorized user minus any credits, returns

or other adjustments as reﬂected on your monthly account statements.

No retroactive Points will be awarded.

Only eligible purchases qualify for earning of Points. Ineligible

transactions include, but are not limited to, cash advances, including

ATM withdrawals, balance transfers, convenience checks, fees, ﬁnance

charges and the purchase of money orders, traveler’s checks, foreign

currency, lottery tickets, gambling chips, or wire transfers. UBS Bank

reserves the right to add other transactions to this list of ineligible

transactions at its discretion and at any time. Any questions regarding

eligibility of transactions shall be determined by UBS Bank in its sole

discretion. Previously awarded Points relating to ineligible transactions

shall be forfeited.

In order to determine purchases made on air travel and purchase made

on gas and groceries, the designation of eligible purchases shall be

determined by retail merchant category code. Each merchant assigns

purchases made at its establishment to a designated category code.

The code the merchant uses determines whether we consider that

purchase to be eligible as related to air travel or gas or groceries. It is

possible that some merchants have designated a merchant category

code that does not meet our eligibility criteria. Eligibility of purchases

shall be determined in the sole discretion of UBS Bank and UBS Bank’s

determination shall be ﬁnal.

You may also be awarded Points based on promotions that are oﬀered

from time to time.

Points are awarded based on whole dollar amounts. For calculation

purposes, when a purchase or transaction is not a whole dollar

amount, any fraction equal to or greater than 0.50 will be rounded up

to the nearest whole dollar and any fraction equal to or less than 0.49

will be rounded down to the nearest whole dollar. For example, if a

Cardholder makes a purchase in the amount of $20.32, 20 Points will

be awarded, but if the transaction amount is $20.50, 21 Points will be

awarded.

Earned Points will generally be added to your account and available

for use within one week aer the date of posting. Point earnings are

not based on transaction date but on the date the transaction is

submitted to UBS Bank, which is usually within one week of the

transaction. (International transactions may take up to 30 days to post.)

Purchase returns or other credits reﬂected on your statements during

or subsequent to the period of Program membership will reduce or

eliminate the Points available for redemption.

Points earned in your account may be transferred to another Program

account. Points are not transferable to or from any other non-UBS

rewards or frequent ﬂier programs.

Points earned by multiple Cardholders will be credited only to the

“Primary Cardholder.” The Primary Cardholder is the primary

accountholder of the UBS Account.

Points do not expire in the Program, as long as your Card is active and

in good standing.

If your Card is canceled, you will be allowed 90 days following the

eﬀective date of termination of the UBS Account or Cards to redeem

outstanding Points for gi cards or merchandise. In the event UBS Bank

closes your Card, you will have not less than 90 days to redeem your

Points for gi cards or merchandise.

You are responsible for any taxes that may be owed as a result of Points

earned and/or redeemed. Please consult your tax advisor if you have

tax questions about the Program. Neither UBS Bank nor UBS FSI

provides tax advice.

Points and Program certiﬁcates have no value except as used in

accordance with these terms and conditions of the Program and any

terms and conditions of each respective reward provider.

UBS Bank reserves the right to disqualify any Cardholder from

participating in the Program and to invalidate any or all Points for any

reason and at any time, including for abuse, fraud or any violation of

the Program’s terms and conditions.

By participating in the Program, and accepting and using rewards

earned via the Program, you or any other beneﬁciary of the Program

release, discharge and hold harmless UBS Bank, Visa, TLI, and their

respective subsidiaries, afﬁliates, employees, ofﬁcers, directors,

successors and assignees from all claims, damages or liability including,

but not limited to, physical injury or death, arising out of participation

in the Program or travel taken or use of products chosen as a Program

reward.

Point redemption and rewards information

Points may be redeemed for a variety of rewards. All rewards selections

are subject to availability. To redeem Points for rewards, Cardholders

may call the UBS Rewards Service Center at 800-762-1000. The UBS

Rewards Service Center is available between 7:00 a.m. and 9:00 p.m.,

Monday through Friday, and between 9:00 a.m. and 9:00 p.m.,

Saturday and Sunday, Eastern Time (ET). Rewards redemptions are

available online anytime at ubs.com/onlineservices.

Rewards are not replaceable if lost, stolen, destroyed or expired.

Rewards are not returnable, exchangeable, refundable or redeemable

for cash or credit under any circumstances.

UBS Bank, TLI, and Visa have no liability in case of disagreement over

issuance of or right to possess reward certiﬁcates or Points. Reward

providers are solely responsible for the fulﬁllment of rewards. UBS Bank,

TLI, and Visa have no further obligation once the reward is issued.

If any additional payment is required when you redeem Points for a

reward, the payment must be made with your UBS Preferred Visa

Signature credit card (unless your Card has been closed).

Airline rewards redemptions. There are two methods of using Points

for airline tickets. Both options are valid only for airline tickets booked

through the UBS Rewards Service Center, and are valid only on

itineraries oﬀered by the UBS Rewards Service Center. Not all airlines

or fares may be available.

1) Paying with points: You can redeem Points to cover all or a

portion of the cost of any ticket booked through the UBS Rewards

Service Center at the rate of 100 Points per $1 (minimum ticket

price of $100). The amount of Points required will be rounded up

to the next whole dollar amount or 100 Points. For example, a

ticket costing $302.50 will require 30,300 points. If you do not

have enough points for the entire ticket price, you can redeem

available Points for a credit toward the total ticket cost and use

your Card to pay the diﬀerence. For example, if you have 25,050

Points available and purchase a ticket costing $302.50, you could

redeem 25,000 Points for a credit of $250.00 towards the cost of

the airfare (at 100 Points per dollar), pay the $52.50 diﬀerence on

your Card and have 50 points remaining.

2) Air travel award redemption options. You can also use a ﬁxed

number of points to purchase any airline ticket up to a set dollar

amount. This option is available only by calling the UBS Rewards

Service Center at 800-762-1000, and is not available online. Tickets

must be booked directly through the UBS Rewards Service Center.

The reservation must be made by a UBS Rewards Service Center

Agent, and the ticket will be charged to your Card. Aer the

purchase is completed, the applicable Points will be deducted from

your rewards account. Once that deduction is complete, a credit

will post to your Card for the ticket purchase price. A $25 (or 2,500

Points) booking fee applies per ticket. Travel insurance and

protections oﬀered by the UBS Card Program will apply. No black

out dates.

a) 25,000 points for a ticket up to $350: For tickets costing

more than $350, the diﬀerence in price must be paid by the

Cardholder using additional Points at a rate of 5,000 Points for

any additional cost of up to $50 of ticket value. Additional

payments may be made only in increments of 5,000 Points.

This award requires a 21-day advance purchase.

b) 50,000 points for a ticket up to $900: For tickets costing

more than $900, the diﬀerence in price must be paid by the

Cardholder using additional Points at a rate of 5,000 Points for

any additional cost of up to $50 of ticket value. Additional

payments may be made only in increments of 5,000 Points.

Itineraries and fees

All travel itineraries and supporting documentation will be sent via

email when available; otherwise, paper documents will be sent via ﬁrst-

class mail. Priority, three- to ﬁve-day delivery, Saturday or international

deliveries will be subject to additional shipping charges as imposed by

the shipping vendor and will be charged to the Cardholder’s Card at

the time of reservation.

All airline tickets purchased with Points are non-refundable,

non-transferable and nonchangeable.

Once Points are redeemed and ticketed, the UBS Rewards

Service Center may not be able to make changes to the tickets,

including dates and destinations. The Cardholder may be able

to make changes directly with the airline, but service fees and

any fare increases will be the Cardholder’s responsibility.

Customs’ fees, excess baggage charges or any other charges assessed

by governmental entities or airlines as a result of travel are the

responsibility of the traveler.

Participating airlines are subject to change at any time without notice.

UBS Bank, TLI, and Visa are not responsible for communication of

airline schedule changes or any other changes made by the airline.

Flight reservations should be conﬁrmed by the Cardholder or

designated traveler at least 72 hours prior to departure. All reservations

are subject to the conditions of carriage, supply or business of the

service provider, which include exclusions and limitations of liability.

The Cardholder or designated traveler is responsible for obtaining the

appropriate international travel documentation, such as passports and

visas. The traveler should have valid government-issued photo ID and

passport upon airport check-in.

UBS Bank, TLI, and Visa disclaim all responsibility for Cardholder usage

of airline tickets following receipt and are not responsible for

performance of any airline. Tickets may not be resold.

Cruise rewards

All redemption requests for cruise rewards must be made at least 60

days prior to sailing. All cruise rewards are based on double occupancy

for a cabin. At least one Cardholder sailing must be 21 years of age or

older.

All cruise rewards are non-refundable. Changes may be made up to

90 days prior to sailing (120 days for holiday and special event cruises)

for a $100 change fee, plus any fees imposed by the cruise line.

Changes or cancellation under 90 days (120 days for holiday and

special event cruises) may result in forfeiture of the reward, or

additional fees may apply. In addition, if a reservation is not canceled

and Cardholder or recipient does not appear for check-in, the reward

is void and no refund will be provided.

UBS Bank, TLI, and Visa are not responsible for the performance of the

cruise line.

Participating cruise lines are subject to change at any time without

notice.

Hotel rewards

Hotel rewards are not redeemable for cash and are void if sold for cash

or other consideration.

Hotel rewards are not refundable or replaceable if lost, stolen,

destroyed or expired.

Hotel rewards are void if altered, photocopied or reproduced.

Guest must present and submit reward certiﬁcate at check-in.

Hotel rewards may not be valid where restricted by law.

Length of stay restrictions may apply.

Any tax liability, including disclosure, connected with receipt or use of

this reward is the recipient’s responsibility.

The reward certiﬁcate will not be extended beyond the expiration date.

Hotels may require advance deposits to reserve accommodations and

rewards may not include resort fees or taxes.

Hotels may require advance reservations.

Accommodations are subject to availability at time of reservations and

blackout dates may apply due to seasonal periods or special events.

Participating properties are subject to change at any time without

notice.

UBS Bank, TLI, and Visa are not responsible for hotel performance.

Car rental rewards

Advance reservations are recommended for reward rentals.

The Cardholder renting the vehicle (Renter) must be 25 years of age

and possess a valid U.S. driver’s license.

The Renter will be required to execute a rental agreement at time of

rental. The Renter must provide a major credit card at the time of rental

(check or debit cards are not permitted).

The Renter may be provided a voucher or certiﬁcate as an instrument

of securing a rental vehicle.

The voucher or certiﬁcate must be presented to the rental car company

at the time of rental pickup. Vouchers and certiﬁcates are negotiable

instruments for the purpose of securing car rental services and will not

be replaced if lost, stolen or destroyed. No change or credit will be

issued for unused portions of rewards. The Renter is subject to the

restrictions and vehicle type listed on voucher or certiﬁcate.

Rewards do not include taxes, insurance, mileage fees, airport fees,

extra drivers, optional service charges such as refueling or any other

fees or charges imposed by rental location and/or company.

Some blackout dates may apply.

UBS Bank, TLI, and Visa are not responsible for performance of any

rental car company.

The rental car company may inquire about a Renter’s driving record at

time of rental to determine rental eligibility.

Participating rental car companies and reward oﬀerings are subject to

change without notice.

Travel packages

All travel packages must be booked a minimum of 60 days prior to

travel date or Cardholder will incur additional fees.

Traveler must meet the eligibility requirements established by the travel

provider. Travel packages may only be booked through the UBS

Rewards Customer Service Center.

Travel packages may not be combined with upgrade certiﬁcates,

frequent traveler promotions or other reward programs, promotional

or discount certiﬁcates/vouchers, Internet fares, companion fares,

group travel, convention fares or special rate programs.

Travel packages that have been booked may not be cancelled and are

not eligible for any refund in part or whole. No interim price reductions

will be considered or oﬀered once the booking has been completed.

Aer booking, any additional special handling may result in the

imposition of additional fees. Bookings made less than 60 days prior

to a travel date will result in the imposition of a special handling fee/per

traveler in addition to other fees imposed by the travel provider.

Merchandise rewards

Four to six weeks should be allowed for receipt of merchandise

rewards. Merchandise will be shipped to the Cardholder’s mailing

address unless otherwise authorized by UBS Bank. Merchandise will

not be delivered to P.O., A.P.O. or F.P.O. boxes, or to any address outside

of the 48 contiguous United States and the District of Columbia. For

security reasons, parcel or motor freight couriers may contact the

Cardholder to arrange delivery of merchandise. It is the responsibility

of the Cardholder to respond to the courier in a timely and reasonable

manner to facilitate the delivery process. Additional shipping and

handling fees for merchandise returned to vendor due to Cardholder’s

failure to make delivery arrangements are the responsibility of the

Cardholder.

Merchandise rewards are oﬀered and provided by independent

manufacturers. The manufacturer’s warranty applies to all merchandise

rewards. UBS Bank, TLI, and Visa make no express or implied

representation or warranty and will not be liable for injury, damage,

loss or expense resulting from your acceptance or use of a reward or

from a reward’s defect or failure. UBS Bank, TLI, and Visa disclaim any

implied warranty of merchantability or ﬁtness for a particular purpose.

Merchandise rewards include applicable sales tax and shipping and

handling (via ﬁrst-class mail, ground delivery or motor freight service

within the contiguous U.S. and D.C.).

All merchandise reward orders are subject to product availability and

UBS Bank reserves the right to substitute merchandise of equal or

greater value. Cardholder will be notiﬁed if the merchandise reward

ordered is not available and if/when it will become available. UBS Bank

reserves the right to alter or substitute any or all merchandise rewards

at any time without prior notiﬁcation. Returns are only accepted for

merchandise that is damaged, defective or incorrectly shipped.

Notiﬁcation of same must be made within 48 hours of delivery and

must be returned within 30 days for credit or shipment of replacement

item. If the item is damaged or defective, please contact 800-762-

1000, between 7:00 a.m. and 9:00 p.m., Monday through Friday, and

between 9:00 a.m. and 9:00 p.m., Saturday and Sunday, ET, to report

the problem and obtain assistance. Replacement or return of damaged

or defective merchandise rewards should be arranged through the UBS

Rewards Service Center.

Statement credit redemption option—Personal Choice

In the event that a reward that you are seeking is not oﬀered in the

Program, purchase the item on your UBS Preferred Visa Signature credit

card, then go to ubs.com/onlineservices or call us at 800-762-1000.

We will provide a statement credit for the amount of the purchase,

and deduct Points from your Points balance. The rate of redemption is

100 Points per dollar spent (minimum redemption of $100). The

Personal Choice statement credit redemption option cannot be

combined with other rewards oﬀers. The statement credit will be

posted to cardholder’s card within 30 days of request. The credit will

appear in the card transactions section on UBS online services and client

statements.

More rewards

Redeem Points to cover the cost of your UBS Resource Management

Account (RMA) or Business Service Account BSA annual service fees.

UBS Bank and UBS FSI reserve the right to determine what annual

service fees are eligible for redemption and the associated point value.

The annual service fee must be charged to your UBS Account before

the request can be processed. Call us at 800-762-1000 to request the

rewards Point redemption. Once UBS FSI validates that the annual

service fee has been assessed, the amount of the fee will be credited

to your Card. Your request will not be completed if the fee has not yet

been charged to your account.

Reward certiﬁcates

Many rewards are issued as certiﬁcates or gi cards (reward certiﬁcates)

by the reward providers. Rewards and reward providers are subject to

change and may be discontinued without notice. Seven to fourteen

business days should be allowed for receipt of reward certiﬁcates.

Some rewards are limited to use within the United States. Reward

certiﬁcates are void if altered or where prohibited by law.

Reward certiﬁcates may not be combined with any other promotional

oﬀers and must be presented and surrendered upon redemption. No

photocopies of reward certiﬁcates will be honored.

Reward certiﬁcates are valid at participating merchants only through

the expiration date printed on the reward certiﬁcate. Expiration of

reward certiﬁcates is subject to the policy of the reward provider. See

the individual reward certiﬁcate for details of speciﬁc expiration dates.

Fulﬁllment of the reward certiﬁcate is the sole responsibility of the

participating rewards provider.

Rewards are subject to the terms and conditions imposed by the reward

provider, which, in most cases, appear on the reward certiﬁcate. Use

of any reward certiﬁcate is subject to any additional restrictions listed

on the reward certiﬁcate.

Reward certiﬁcates are not valid toward previous purchases, and

cannot be used as payment on existing account balances with either

the participating merchant or UBS Bank. Reward certiﬁcates have no

cash value and may not be redeemed for cash or its equivalent.

In the event the goods and services you purchase are less than the face

value of the reward certiﬁcate(s) redeemed, the policy of the reward

provider will determine whether credit for the diﬀerence will be given.

UBS Bank, TLI, and Visa are under no obligation to provide credit or

cash back. Generally, no credit or cash back will be given. Certain

reward certiﬁcates may require a minimum purchase. Exceptions and

other restrictions will appear on each respective reward certiﬁcate.

For speciﬁc questions regarding the terms and conditions of reward

certiﬁcates, Cardholders may visit us online at ubs.com/onlineservices

or call us at 800-762-1000 and select the reward redemption option,

between 7:00 a.m. and 9:00 p.m., Monday through Friday, and

between 9:00 a.m. and 9:00 p.m., Saturday and Sunday, ET.

Reward certiﬁcates are not refundable or exchangeable and are not

replaceable in the event of loss or destruction, aer issuance. Reward

certiﬁcates are transferable unless otherwise noted on the reward

certiﬁcate. Reward certiﬁcates are void where prohibited by law.

Cardholders who reside outside of the United States may redeem for

gi cards or gi certiﬁcates, but additional shipping costs will apply.

Please contact the Rewards Service Center for exact costs.

Unless otherwise stated on the reward certiﬁcate, reward certiﬁcates

oﬀered do not include any federal, state or local taxes, which are the

sole responsibility of the Cardholder.

UBS Bank, TLI, and Visa are not responsible for the problems or defects

of any merchandise purchased using a reward certiﬁcate or for failure

of merchant to perform because of bankruptcy, insolvency or any other

reason.

UBS Bank, TLI, and Visa are not responsible for any merchant

performance.

Reward certiﬁcate merchant/provider disclaimers

Alamo certiﬁcates. Up to 3 certiﬁcates per rental, not valid with any

other oﬀer. Original Certiﬁcate must be presented at counter upon

arrival. Blackout Dates Apply. Not valid in New York, NY or San Jose,

CA. Coupon ID Code must be used at time of reservation. Subject to

availability and valid only at participating Alamo locations in the United

States and Canada. Coupon ID CHECKAVAIL may be used to check

availability only with no guarantee of availability at time of reservation.

Alamo Reservation Center 1-800-462-5266.

Amazon.com

gi card. *Amazon.com is not a sponsor of this

promotion. Amazon, Amazon.com, the Amazon gi cards logo and

the Amazon.com logo are trademarks of Amazon.com, Inc. or its

afﬁliates. Amazon.com gi cards (GCs) may be used only to purchase

eligible goods on Amazon.com or its afﬁliated website Endless.com.

GCs cannot be redeemed for purchases of gi cards. GCs cannot be

reloaded, resold, transferred for value, redeemed for cash, or applied

to any other account. For complete GC terms and conditions, see

Gi Cards, Inc., a Washington company.

Apple

gi card. Apple

gi cards can be applied only to qualiﬁed

purchases directly from Apple at an Apple Store, the Apple Store

online, or Apple Telesales (1-800-MY-APPLE) in the United States. Apple

gi cards may not be redeemed at the iTunes Music Store, Apple

resellers, or Apple Store locations outside the United States. Apple gi

cards are not redeemable for cash and cannot be used to purchase

additional Apple gi cards or applied as payment to any account. Apple

is not responsible for lost or stolen gi cards. To report a lost or stolen

gi card, please contact Apple at any retail Apple Store location or by

telephone at 1-800-MY-APPLE. Replacement cards will be issued aer

Apple veriﬁes that the lost or stolen card has not been redeemed and

original purchase receipt is presented. For your card’s balance, call 888-

320-3301. For additional gi card information and to see exclusions

and limitations, visit www.apple.com/go/gicards. Not for resale. Void

where prohibited or restricted by law. The use of this gi card is

governed by the laws of the State of California. Apple reserves the

right to change any of these terms and conditions without notice. TM

Applebee’s

gi card. “Applebee’s” and the Applebee’s logo are

used with permission of Applebee’s IP LLC and such marks constitute

registered trademarks or service marks of Applebee’s IP LLC.

Applebee’s IP LLC is not afﬁliated with the bank and is not a sponsor

or co-sponsor of this program. Applebee’s IP LLC is not liable for

delivery of any gi cards promised, earned, purchased or otherwise

oﬀered through this program. Please see the Applebee’s gi card for

additional terms and conditions, which are subject to change at the

sole discretion of Applebee’s IP LLC.

Avis travel voucher. Advance reservations are recommended and

may be made by calling the Avis Reservation Center. The Avis

Reservation number is 1-800-331-1212. Travel voucher may be used

as payment for rental of a vehicle in the amount stated from

participating Avis locations in the United States.

Barnes & Noble gi card. Barnes & Noble booksellers. Barnes &

Noble gi cards may be used at any Barnes & Noble store nationwide

and online at Barnes & Noble.com (www.bn.com). They may also be

used at any Barnes & Noble College Bookstore location, B. Dalton

Bookseller, Bookstar, and Bookstop store. Barnes & Noble gi cards will

not be replaced if lost or stolen. They will not be exchanged for cash

except where required by law. Other conditions may apply to online

usage. See website for details. Barnes & Noble gi cards are issued by

Marketing Services (Minnesota) Corp. Barnes & Noble is not a sponsor

or co-sponsor of this promotion. Please see back of gi card for terms

and conditions of use. Barnes & Noble is not liable for any alleged or

actual claims related to this oﬀer.

Bath & Body Works

gi card. Bath & Body Works is not a sponsor

of this promotion and is not afﬁliated with your ﬁnancial institution

and your program. The Bath & Body Works

name and logo are

registered trademarks of Bathco, Inc.

Bed Bath & Beyond

gi card. Bed Bath & Beyond

is not afﬁliated

with your ﬁnancial institution, nor is it a sponsor of this promotion.

Terms and conditions apply to gi cards. Bed Bath & Beyond

is a

registered trademark.

Best Buy gi card. BEST BUY™ is not afﬁliated with UBS 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.

Borders

and Waldenbooks

gi card. Borders

and Waldenbooks

are not sponsors of this promotion/program. Fulﬁllment of gi cards will

be done through TSYS Loyalty. See back of gi card for complete terms

and conditions, which are subject to change at Borders/Waldenbooks’

Bose

. Products are not intended for resale and are only intended as

awards, rewards or prizes in incentive and promotional programs.

Brookstone

gi card. This Brookstone

gi card is only redeemable

for goods and services at any Brookstone location. If this card is lost,

stolen, damaged, or destroyed, a replacement card will be issued for any

value remaining on the card upon presentation of evidence of purchase.

Without the card or evidence of purchase, the card cannot be identiﬁed

to determine if there is a remaining balance to be replaced. Except where

directed by law, this card shall never expire. Redeemable at Brookstone

retail stores and online at www.brookstone.com. For balance inquiry,

please visit www.brookstone.com or call 1-800-846-3000. This card is

issued by and represents an obligation of Brookstone Company, Inc.

Cabela’s gi card. Cabela’s gi cards are redeemable online, through

our catalog or in any of our retail stores. Change will not be given and

gi cards may not be exchanged for cash. Gi cards may not be used

to pay a balance on a Cabela’s Visa Card.

California Pizza Kitchen. This gi card is redeemable for food and

beverage only at all participating California Pizza Kitchen (CPK) and

CPK/ASAP restaurants in the U.S. only (excluding airport locations,

stadiums, universities, travel plazas and Mirage Hotel in Las Vegas). Not

valid in Guam or international locations. This card is not redeemable for

cash or credit, except as, and where required by law. Protect this card,

as CPK is not responsible for unauthorized use. If lost or stolen, it can

only be replaced for the remaining value with the original proof of

purchase, including the 19 digit gi card identiﬁcation number. Resale

is strictly prohibited. Card has no value until activated. Card’s face value

is in U.S. dollars. CardFact XVI, Ltd is card issuer. Purchase, use or

acceptance of card constitutes acceptance of these terms. For balance

inquires, to add value, or for customer service visit www.cpk.com, any

participating CPK or CPK/ASAP or call (888) 351-2594.

Callaway Golf gi card. Callaway Golf is not a sponsor of this promotion.

Can be only be redeemed online at www.callawaygolfgicard.com or over

the phone.

Chili’s

, Macaroni Grill

, On The Border

and Maggiano’s Little

Italy

gi card. Brinker International

(Chili’s Grill & Bar

, Macaroni

Grill

, and Maggiano’s Little Italy

) is not a sponsor or co-sponsor of

this promotion.

Crate and Barrel gi card. Crate & Barrel Shop cards are redeemable for

merchandise only at a Crate & Barrel store, Outlet, Internet, Catalog or

CB2. For your security, only registered cards will be replaced if lost, stolen

or destroyed. You may register your card at www.crateandbarrel.com.

Purchases will be deducted from the card value until it reaches zero. It may

not be used as payment on Crate & Barrel Credit card accounts, and it will

be considered void if bartered or sold. For balance information go to

www.crateandbarrel.com, or for Customer Service call (800) 237-5672.

We look forward to serving you at Crate & Barrel.

Darden Restaurants

gi card (Red Lobster

, Olive Garden

Bahama Breeze

, LongHorn Steakhouse

). Darden Restaurants

Inc. (Red Lobster

, Olive Garden

, LongHorn

Steakhouse, Bahama

Breeze

) is not afﬁliated with UBS 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 gi card for additional terms and

conditions or visit www.dardenrestaurants.com/legal.asp.

Dell. PROMOTIONAL CARDS ARE SUBJECT TO ONE YEAR EXPIRATION

—terms and conditions apply. Can be used on any future Dell purchase

except Dell gi card purchases.

Dunkin’ Donuts trademarks, logos and designs are registered

trademarks of DD IP Holder LLC and used under license. Dunkin’

Donuts is not a sponsor of this promotion.

Edwin Watts Golf gi card. Gi card redeemable for merchandise

at any Edwin Watts Golf store, through our mail order department

(800-874-0146), and online at Edwinwatts.com. Gi cards are non

transferable, non replaceable if lost or stolen, and are not redeemable

for cash unless required by law. Additional funds may be added to your

card at any time.

ExxonMobil Cash cards. 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.

Fairmont Hotels & Resorts. The Fairmont Ovation Rewards is a

Collection “C” certiﬁcate valid at ALL Fairmont Hotels & Resorts in

North America. Reward may be used as payment for one night

accommodations in a well appointed Fairmont room including

applicable room taxes and a full breakfast for two in an all day dining

restaurant (excludes buﬀets and alcoholic beverages) and related taxes

and gratuities only. Rewards recipients will be asked to guarantee their

reservation with a credit card and provide Fairmont Ovation Rewards

certiﬁcate number at time of reservation. Guests must present and

submit their rewards certiﬁcate upon check-in. Rewards cannot be used

to pay for any incidentals, such as parking, service charges, other taxes

or other expenses. Rewards are redeemable based upon last room

availability in the room category purchased. Some restrictions may

apply to special event dates (for example but not limited to: Olympics,

Super Bowl etc.). Rewards cannot be used for group programs or

catering functions. Fairmont Ovation Reward Certiﬁcates are only valid

at hotels listed on the certiﬁcate. Participating hotels and/or locations

are subject to change without notice. Length of stay restrictions may

apply. Certiﬁcates are not redeemable for cash and are void if sold for

cash or other consideration. Ovation Rewards are not replaceable if

lost, stolen or destroyed. Any tax liability, including disclosure,

connected with receipt or use of this reward is the recipient’s

responsibility. To inquire about participating properties or to make

reservations contact the Fairmont Ovation Reward concierge at 1-888-

742-7488 (USA/Canada) or 1-506-870-7102. The certiﬁcate code,

Collection “C”, must be provided when making reservations.

Four Seasons Unforgettable Experience. Each Four Seasons

Unforgettable Experience is comprised of a nightly stay or stays. A

nightly stay is deﬁned as accommodation for one night, full breakfast

for two, plus related taxes, gratuities and service charges.

Four Seasons Unforgettable Experience cards can be redeemed at

participating Four Seasons hotels and resorts, subject to availability.

Participation varies by Collection, and may be subject to change

without notice. To view the complete list of participating Four Seasons

hotels and resorts visit www.fourseasons.com/experiencecard.

Length of stay and seasonality restrictions may apply to card

redemption.

Four Seasons Unforgettable Experience award cards do not expire.

Four Seasons Unforgettable Experience award card recipients must

make all reservations by contacting the Four Seasons Worldwide

Reservations Ofﬁce at 1 (888) 673-5403 in North America or

experiencecard@fourseasons.com.

At time of reservation, Four Seasons Unforgettable Experience card

recipients will be asked to provide the 20-digit number on the back of

their card and to guarantee their reservation with a credit card.

Upon check-in at the hotel, guests must present their Four Seasons

Unforgettable Experience card. The card number on the back of this

card must match the card number on the reservation.

All cancellations or changes to reservations must be made in

accordance with the cancellation policy of the reserved property

through Four Seasons Worldwide Reservations Ofﬁce, or a fee equal

to one nightly stay will be deducted from the Four Seasons

Unforgettable Experience card. This fee also applies for no-shows.

Four Seasons Unforgettable Experience cards cannot be used to pay

for any incidentals including, without limitation, parking, spa, golf or

for any related taxes and gratuities.

Four Seasons Unforgettable Experience cards are not exchangeable for

cash and have no value unless redeemed.

Unforgettable Experience cards may not be sold, exchanged, bartered

or used for business travel purposes.

Four Seasons Unforgettable Experience cards are void if sold for cash

or other consideration through any means, including auction through

the Internet.

Four Seasons Unforgettable Experience cards cannot be combined with

any promotional oﬀer.

GameStop

gi card. A prepaid card that can be used to purchase

merchandise at GameStop, EB Games, Babbage’s, Electronics

Boutique, EBX, Funcoland, Planet X, and Soware Etc. Cards cannot

be applied as payment on any account and will not be replaced if lost

or stolen. To ﬁnd a store near you, visit www.GameStop.com or

www.Ebgames.com. To check your card balance, call 1-877-427-3526.

Cards do not expire. Currently cards cannot be redeemed online.

Godiva

gi card. Godiva is not a sponsor of this promotion. Treat

this card like cash. This card is not a debit or credit card. This card can

be redeemed at any company-owned Godiva store or on-line at

www.GODIVA.com. This card is redeemable for merchandise only. It

cannot be redeemed for cash unless required by law. To locate the store

nearest you, please visit www.GODIVA.com. To check your balance,

call 1-800-943-5309 or visit any company-owned Godiva store. The

value of this card will not be replaced if lost, stolen or destroyed

without valid proof of purchase. Use of this card is restricted to U.S.

purchases. Godiva Chocolatier reserves the right to change these

requirements.

Golfsmith

gi card. Cannot be combined with any other Golfsmith

coupon oﬀers or discounts unless speciﬁed. Not valid on previous

purchases, exchanges, special orders or gi cards. No substitutions or

backorders.

Harry and David gi card. Harry and David is not a sponsor of this

promotion.

Hertz Award Check. Advance reservations are recommended and

may be made by calling the Hertz Reservation Center. The Hertz

Customer Service number is 1-800-654-2210. Check voucher may be

used as payment for rental of a vehicle from participating Hertz

locations worldwide and may be accepted by Travel Agencies or directly

at participating Hertz Rental locations. Valid on International rentals.

RENTALS USING THIS VOUCHER MAY NOT BE RESERVED ON-LINE.

Renter must satisfy minimum age, credit and other driver qualiﬁcations

in eﬀect at time and place of rental. The beneﬁts associated with the

CDP# that are printed on the reverse side of the voucher apply to the

use of each respective voucher. No other CDP# can be used in

combination with this voucher. If no redemption limit appears on the

face of the voucher, up to three vouchers identiﬁed by the same CDP#

and IT# can be used on the same rental. Vouchers cannot be combined

with any other voucher, coupon, discount rate (such as AAA, or

corporate discounts), or other certiﬁcate. Vouchers may not be

redeemed in whole or part for cash and no change, credit or refunds

will be given on any unused portion of the check voucher. Certiﬁcate

is valid through the expiration date printed on the check voucher.

Desired vehicle is subject to availability. Original certiﬁcate must be

presented and surrendered at time of payment and receipt of rental

vehicle. Renter will not receive credit for Frequent Travel or Loyalty

Program miles/points when using a voucher. FOR INTERNATIONAL

RENTALS: Advance reservations are required at least 8 hours prior to

departure from the U.S. The U.S. Dollar value will be valued in local

currency when you surrender the certiﬁcate at the time and place of

rental. Vouchers redeemed at participating international locations can

only be used on non-prepaid Aﬀordable Weekly rates of at least one

week but not longer than three weeks. Renters must present a valid

driver’s license held at least one year prior to rental. Vouchers are not

a guarantee of performance or a conﬁrmation of reservation. See

voucher for International terms.

Hyatt Check Certiﬁcate. This Hyatt Check Certiﬁcate will only be

accepted for goods and services at participating Hyatt Hotels and

resorts as listed on the front of this certiﬁcate. Locations are subject to

change without notice and acceptance varies by property. This

certiﬁcate may be used in the following manner: As a registered guest

to cover publicly listed and available room rates and packages; to cover

food and beverage charges at participating Hyatt outlets. Not valid for

Casino charges, deposit or payment for group/meetings/catering

functions, or for advance purchased packages or Hyatt Vacations

packages. Goods and services must be charged to the room and the

Hyatt Check Certiﬁcate should be redeemed at the front desk at check-

in or check-out. In the United States and Puerto Rico the total charged

will be reduced by the face value of this Hyatt Check Certiﬁcate.

Outside the United States, the total charges will be reduced by

converting the USD value of this Hyatt Check Certiﬁcate into local

currency according to the daily foreign exchange board rate. Hyatt

Check Certiﬁcate may be used by a non-registered guest at

participating hotels in the U.S., Canada and the Caribbean only. This

Hyatt Check Certiﬁcate should be redeemed at the time of purchase.

Hyatt Check Certiﬁcates may be supplemented by payment of cash,

acceptable check or valid credit card. No credit or change will be given

on unused portion of certiﬁcate. Not redeemable for cash or other

substitutions, not replaceable if lost, destroyed, stolen or expired, and

void if altered, photocopied, or reproduced. Terms are void where

prohibited by law. The use of certiﬁcates at certain destinations shall

be subject to respective government approvals, regulations, restrictions

and applicable taxes. Terms and conditions of this certiﬁcate are

governed by the laws of the state of Maryland, USA. Certiﬁcate will

not be extended beyond the expiration date. Tax liability, if any,

including disclosure, is the user’s responsibility. Certiﬁcates may not be

accepted at concessions within the participating hotel not owned or

operated by Hyatt. Please conﬁrm with the hotel prior to making a

purchase. Hyatt Hotels and Resorts encompasses hotels and resorts

managed, franchised, or operated by two separate groups of

companies – Hyatt Corporation and its afﬁliates and afﬁliates of Hyatt

Hyatt Stay Certiﬁcate. The Hyatt Stay Certiﬁcate is redeemable only

at participating Hyatt locations listed on the front of the certiﬁcate.

Locations are subject to change without notice. This certiﬁcate is valid

for the number of nights indicated on the front. Certiﬁcate is good for

one continuous stay comprising consecutive nights at any one Hyatt.

No credit will be issued for any certiﬁcate that is not fully used.

Accommodations are subject to availability at time of reservation and

blackout dates may apply due to seasonal periods or special events.

Valid for a standard guestroom, single or double occupancy, and may

only be applied to the guestroom rate and associated taxes. Not

applicable for food, beverage, service, or incidental charges. Gold

Passport Points will not be given for the value of the certiﬁcate.

Reservations for your Hyatt stay must be made in advance by calling

(800) 555-0233 in the U.S. or your nearest Worldwide Reservation

Center. The certiﬁcate code must be provided when making

reservations. Normal arrival and departure restrictions apply. The

availability of certiﬁcates and travel from, certain destinations shall be

subjected to respective government approvals, regulations, restrictions

and applicable taxes. This certiﬁcate is not combinable with Upgrade

certiﬁcates, other promotional certiﬁcates, group travel, tour packages,

conventions, or special rate programs. Not redeemable for cash or

other substitutions, not replaced if lost, destroyed, stolen, or expired

and void if altered, photocopied, or reproduced. Tax liability, if any,

including disclosure, are user’s responsibility. Certiﬁcate void is sold for

cash or other consideration. The original certiﬁcate and identiﬁcation

will be required when you check in. Hyatt reserves the right to request

a form of security deposit in advance for expenses not covered by the

certiﬁcate. This certiﬁcate will not be extended beyond the expiration

date. Terms are void where prohibited by law. Terms and conditions of

the certiﬁcate are governed by the laws of the state of Maryland, USA.

Hyatt Hotels and Resort encompasses hotels and resorts managed,

franchised, or operated by two separate groups of companies - Hyatt

Corporation and its afﬁliates and afﬁliates of Hyatt International Corp.

Hyatt Weekend Certiﬁcate. This Hyatt Stay Certiﬁcate is redeemable

only at participating Hyatt locations listed on the front of this certiﬁcate.

Locations are subject to change without notice. This certiﬁcate is valid

for the number of weekend nights indicated on the front. Certiﬁcate

is good for one continuous stay comprising consecutive weekend

nights at any one Hyatt. A weekend night is deﬁned as either a

Thursday, Friday, Saturday or Sunday night. No credit will be issued for

any certiﬁcate that is not fully used. Accommodations are subject to

availability at time of reservation and blackout dates may apply due to

seasonal periods or special events. Valid for a standard guestroom,

single, or double occupancy, and may only be applied to the guestroom

rate and associated taxes. A full American breakfast includes choice of

juice or fruit, choice of breakfast entree and breakfast meat and choice

of non-alcoholic beverage. Not valid in conjunction with

Sunday/Holiday brunch or room service. Breakfast must be redeemed

at a Hyatt operated restaurant within the hotel in which the certiﬁcate

holder is registered. Gratuities not included. Not applicable for food,

beverage, service, or incidental charges. Gold Passport Points will not

be given for the value of this certiﬁcate. Reservations for your Hyatt

stay must be made in advance by calling (800) 555-0233. The

certiﬁcate code must be provided when making reservations. Normal

arrival and departure restrictions apply. This certiﬁcate is not

combinable with upgrade certiﬁcates, other promotional certiﬁcates,

group travel, tour packages, conventions, or special rate programs. Not

redeemable for cash or other substitutions, not replaced if lost,

destroyed, stolen or expired, and void if altered, photocopied, or

reproduced. Tax liability, if any, including disclosure, are user’s

responsibility. Certiﬁcate void if sold for cash or other consideration.

The original certiﬁcate and identiﬁcation will be required when you

check in. Hyatt reserves the right to request a form of security deposit

in advance for expenses not covered by this certiﬁcate. This certiﬁcate

will not be extended beyond the expiration date. Terms are void where

prohibited by law. Terms and conditions of the certiﬁcate are governed

by the laws of the state of Maryland, USA. Hyatt Hotels and Resort

encompasses hotels and resorts managed, franchised, or operated by

two separate groups of companies - Hyatt Corporation and its afﬁliates

Maryland, Inc.

JCPenney gi card. Terms and conditions are applied to gi

certiﬁcates/gi cards. Terms and conditions for JCPenney gi cards are

listed on the back of the gi cards and also at www.jcpenney.com.

JCPenney is not a sponsor of this promotion and is not afﬁliated with

UBS Bank. The JCPenney name and logo are registered trademarks of

J.C. Penney Company Inc.

JustGive gi certiﬁcate. Gi certiﬁcates have no expiration date. Gi

certiﬁcates must be redeemed through JustGive’s website,

http://www.justgive.org, for charitable donations to any of the

1,000,000 nonproﬁts we have listed on our website. Gi certiﬁcates

cannot be used to purchase gi certiﬁcates. Gi certiﬁcates are not

redeemable for cash and cannot be returned for a cash refund. Any

unused balance will be placed in the recipient’s gi certiﬁcate account

and is not transferable. If your transaction exceeds the amount of your

gi certiﬁcate, you must pay for the balance with a credit card. JustGive

is not responsible for lost or stolen gi certiﬁcates. JustGive will have

the right to close donor accounts and request alternative forms of

payment if a fraudulently obtained gi certiﬁcate is redeemed through

the JustGive website. In the event a gi certiﬁcate code is non-

functional, your sole remedy, and our sole liability, shall be the

replacement of such gi certiﬁcate.

L.L.Bean gi certiﬁcate. L.L.Bean gi certiﬁcates never expire and

can be redeemed online at llbean.com, in any L.L.Bean Retail Store or

by calling 1-800-221-4221. UBS Bank is not afﬁliated with L.L.Bean

and L.L.Bean is not a sponsor or co-sponsor of this promotion.

Lands’ End

gi card. The Lands’ End gi card is redeemable for

merchandise and services in Lands’ End consumer catalogs, including

Home, Women, Men and Kids, at landsend.com, Lands’ End stores or

at participating Sears, Roebuck and Co. store locations in the United

States and Puerto Rico. It cannot be redeemed for cash or applied to

your Sears credit accounts except where required by law. Lost, stolen

or damaged gi cards may be cancelled and replaced with required

proof of purchase or customer information.

Legal Sea Foods Mail-Order gi certiﬁcate. How to order Legal Sea

Food: By Phone: Call us toll-free at 800-328-3474. Online: visit

www.legalseafoods.com anytime 24/7 and submit your secure,

electronic order in minutes. Delivery: You can be sure that all items will

be delivered fresh. We ship overnight express services to ensure

freshness. No Sunday, Monday or Hawaii deliveries. Our prices include

overnight delivery for Tuesday through Friday. We must receive your

order by noon Eastern Time for next day delivery. However, some items

may require two business days notice. Add $20 for Saturday delivery

and an additional $25 for Alaska and Puerto Rico (No Sat.). Pricing

Policy: Unpredictable weather and harvest conditions may aﬀect our

fresh seafood supplies. To meet your delivery requirements, we may

substitute an item of equal or greater value. Although we make every

eﬀort to maintain our current prices, unusually large market swings

may cause temporary and/or permanent price adjustments without

notice. Guarantee: We are conﬁdent you will be completely satisﬁed

with your order or we will make it right!

Lowe’s

gi card. LOWE’S

and the GABLE MANSARD DESIGN

are registered trademarks and service marks of LF, LLC. Lowe’s

is not afﬁliated with UBS Bank.

Macy’s gi card. Macy’s is not a sponsor or co-sponsor of this

promotion. Terms and conditions are applied to gi certiﬁcates/gi

cards. Macy’s is not liable for any alleged or actual claims related to

this oﬀer. Valid at Macy’s and macys.com.

Marriott - Stay Certiﬁcates General T&C’s. Awards may not be valid

where restricted by law. Guest must present and surrender the award

at check-in. This award may be used to pay for the expense of a

comfortable guestroom, full breakfast buﬀet, or all-American breakfast

for two, and related taxes only, and not to pay for other food,

beverage, parking, service charges, other taxes, or other incidental

expenses. This award is good for a one guestroom for the number of

night(s) shown on the front of this award. This award is issued by and

is the property of MI Fulﬁllment Services, LLC. Awards are not

redeemable for cash and are void if sold for cash or other consideration.

Awards are not replaceable if lost, stolen, destroyed or expired. Any

tax liability, including disclosure, connected with receipt or use of this

award is the recipient’s responsibility. Length-of-stay restrictions may

apply. Participating properties are subject to change. See reverse side

of award for complete terms and conditions.

Marriott TravelCard

. Card is not replaceable if lost, stolen, or

destroyed. Card is not redeemable for cash and change will not be

returned. Card value may not be transferred to another card. Card

value does not expire. Card becomes inactive at the earlier of (a) the

use of all value or (b) the posted renewal date. Upon request Marriott

will replace card with a new card having an equivalent remaining value

anytime aer the posted renewal date. Card may be used only at

participating Marriott locations. Card is a prepaid card, not a credit

card, and is the property of and issued by Meta Bank (USA).Each

transaction will be debited against card balance; if transaction exceeds

balance, user must pay the diﬀerence. To check balance call 1-800-

442-6132. Account balance information outside the US and Canada:

Use the AT&T Direct

access number for the country you are calling

from in conjunction with 800-442-6132. See Marriott.com/incentives

for further information or questions about the card.

Men’s Wearhouse gi card. Men’s Wearhouse is not a sponsor of

this promotion.

Nordstrom gi card. Nordstrom prepaid gi cards are redeemable at

any Nordstrom store, including Nordstrom Rack and online at

nordstrom.com. To use, present the card to a salesperson at the time

of purchase. Online and phone purchases require the access number

listed on the card. The card may not be returned or applied as payment

on any account, and it may not be redeemed for cash except as

required by law. If it is lost, stolen or damaged it can be replaced with

a new gi card for the remaining balance with satisfactory proof of

purchase.

Omaha Steaks

gi certiﬁcate.

Terms and conditions: 3 Easy Ways to Shop:

1. Go to www.OmahaSteaks.com and redeem online.

2. Visit any Omaha Steaks Store. To ﬁnd a store near you, call

1.800.228.1444.

3. Order by phone, call 1.800.228.1444, 24 hours a day, 7 days a

week.

To ﬁnd the Omaha Steaks Store nearest you, call 1.800.228.1444 or visit

www.OmahaSteaks.com/stores. This gi card is not redeemable or

refundable for cash unless required by law. Please safeguard this gi card;

lost or stolen gi cards will not be replaced. To check the balance of this gi

card, please call 1.800.228.1444 or visit www.OmahaSteaks.com/gicard.

Orvis gi card. Orvis gi cards are redeemable online at

www.orvis.com, through Orvis

catalogs by phone or mail, or at 29

Orvis

retail stores. Gi cards can also be used at 59 ﬂy ﬁshing and

wing shooting lodges in the U.S. and Canada. Orvis

retail stores are

located across the United States in 17 states. Orvis is not a sponsor or

co-sponsor of this promotion.

Outback Steakhouse gi card. OSI Restaurant Partners, LLC

(Outback Steakhouse of Florida, LLC, Carrabba’s Italian Grill, LLC,

Boneﬁsh Grill, LLC), is not a sponsor or co-sponsor of this promotion.

Please see back of gi card for terms and conditions of use. Please call

800-242-5353 for balance inquires.

Pier 1 gi card. Pier 1 Imports

is not afﬁliated with the UBS My

Choice Rewards Program. Pier 1 and Pier 1 Imports are registered

trademarks of Pier 1 Services Company.

Pottery Barn

gi card. Pottery Barn is a registered trademark of

Williams-Sonoma, Inc. This card may be used for making purchases at

Pottery Barn stores in the United States, by phone or online at

www.potterybarn.com. It may not be redeemed for cash or applied as

payment to any account, unless required by law. Pottery Barn cannot

accept responsibility for cards lost, damaged or stolen, or any

unauthorized use of cards. Acceptance of this card constitutes

acceptance of these terms and conditions, which may change at any

time. For store locations or to place a catalog order, call 1-800-922-

5507.

Restoration Hardware gi certiﬁcate. Restoration Hardware gi

certiﬁcates are not redeemable for cash and cannot be replaced if lost.

Redeemable through retail stores and mail order only.

Saks Fih Avenue gi card. Saks Fih Avenue gi cards are

redeemable for merchandise and services sold at Saks Fih Avenue

stores. They may not be used for saks.com or telephone orders or to

purchase gi cards. Gi cards may not be redeemed for cash or used

as payment on or credit to credit card accounts, and will not be

replaced if lost or stolen. For information on your nearest Saks Fih

Avenue store, please contact 800-551-7257.

Shell gi card. The Shell gi card can be used only for purchases of

goods and services at Shell locations in the U.S. The Card cannot be

redeemed for cash and no change will be given, except in those states

that require redemption for cash. Shell Oil Company and its related

companies are not sponsors or co-sponsors of this promotion.

Smith & Wollensky gi card. Smith & Wollensky cards cannot be

redeemed for cash. The value on the card will not be replaced if lost or

stolen. Use of this card constitutes acceptance of these terms and

conditions.

Starbucks card. Starbucks, the Starbucks logo and the Starbucks Card

design are trademarks or registered trademarks of Starbucks U.S.

Brands Corporation. Starbucks is not a participating partner in or

sponsor of this oﬀer.

T.G.I. Friday’s

gi card. T.G.I. Friday’s

is not afﬁliated with UBS Bank

and is not a sponsor or co-sponsor of this promotion. T.G.I. Friday’s

a registered trademark of TGI Friday’s of Minnesota, Inc. and is used

to the back of the gi card for terms and conditions.

Talbots gi card. This card may be used for purchases at any Talbots

store, online at talbots.com, or by calling 1-800-TALBOTS (1-800-825-

2687). Gi cards are not redeemable, in whole or in part, for cash or

credit, except as required by law. Gi cards do not have an expiration

date, except for gi card held by Oklahoma residents which have a

one-year expiration date.

Target gi card. The Bullseye Design and Target are registered

trademarks and Target GiCard is a service mark of Target Brands, Inc.

of this oﬀer.

The Cheesecake Factory. The Cheesecake Factory gi card can be

used at any of The Cheesecake Factory restaurants nationwide, and

for online purchases at thecheesecakefactory.com. Any remaining

balance will be available for use at your next restaurant or online visit.

You may add value to your gi card during any visit to The Cheesecake

Factory restaurants

The Home Depot

gi card. UBS 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.

The Ritz-Carlton Currency. Currency is honored at Ritz-Carlton Hotel

and Resort locations 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. Change will not be

given on currency presented as payment for goods and services. It is

not necessary to be a registered guest to use Ritz Carlton Currency.

Ritz Carlton Currency is not replaceable if lost, stolen, destroyed, or

expired. Ritz Carlton Currency is issued by and is the property of MI

Fulﬁllment Services, LLC. This currency is valid at participating Ritz-

Carlton hotels operated by The Ritz Carlton Hotel Company, LLC

(Excluding The Ritz-Carlton Chicago, A Four Seasons Hotel).

The Ritz-Carlton Stay Certiﬁcates. Awards may not be valid where

restricted by law. Guest must present and surrender the award at

check-in. This award may be used to pay for the expense of a