Milestone® Mastercard® Cashback Rewards Program

PROGRAM TERMS AND CONDITIONS

These terms and conditions provide the information about how the Cashback Rewards Program

(“Program”) works. This is a separate and independent agreement from your Cardholder Agreement; however, it is subject to the Arbitration section of your Cardholder Agreement, which is incorporated herein. When you use your Account or Card, it means you accept the terms and conditions. The words

“Account”, “Billing Cycle”, “Card”, “Cash Advance”, and “Purchase” have the same meaning as in the Cardholder Agreement.

This information is provided by The Bank of Missouri, the issuer of your Milestone Mastercard Account. Cashback Rewards

Your Account will receive cashback rewards in the form of an automatic statement credit based on Eligible Net Purchases made during the previous Billing Cycle. Eligible Net Purchases are defined as Purchases, minus any returns, disputed Purchases, unauthorized Purchases, illegal or fraudulent Purchases, or other credits. The statement credit will reflect on your Billing Statement as a “Cashback Rewards”. Your Account will receive a Rewards Credit for each statement that had at least one Eligible Net Purchase and a positive rewards balance. Rewards Credits will reduce the balance on the Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your Billing Statement. Your Account will not earn Rewards Credits on Cash Advances or Fees. You will earn unlimited 1.5% Rewards Credit on all Eligible Net Purchases. At the end of each Billing Cycle, your Rewards Credit will be calculated by multiplying your Eligible Net Purchases by 1.5% or 0.015, rounded to the nearest $.01.

Please also note, we may apply security measures to certain Purchases that may result in a delay of a Rewards Credit and we may adjust the Rewards Credit based on Account activity. For example, we may decrease the amount of a Rewards Credit to correspond with the return of a Purchase or the amount of Rewards Credit issued by us in error.

The terms and conditions of this Program may be revised at any time with 30 days prior written notice. In addition, the Program may be terminated with 30 days prior written notice. M-134670