Membership will be renewed automatically each year as long as your Account is in Good Standing and we continue to offer the Program, unless you notify us of cancellation. Notwithstanding anything to the contrary in these Program Terms, we reserve the right to approve, deny or revoke membership in the Program to any individual at any time for any reason whatsoever.

3. Earning and Redeeming Points. So long as your Account is in Good Standing, you will earn three Points for each $1.00 of Net New Purchases on your Account spent at pet stores, veterinary offices, purchases made from American Kennel Club by mail, phone, online at www.akc.org and at the AKC booth at dog shows; two Points for each $1.00 of Net New Purchases on your Account spent on gas and grocery purchases; and one point for each $1.00 of Net New Purchases on your Account for all other purchases made where the Card is accepted. “Net New Purchases” means purchases of goods and/or services made by the Cardholder or any Authorized User of the Account minus any purchase returns, refunds or credit adjustments, rounded to the nearest dollar.

Points awarded for purchases that are returned or refunded or otherwise adjusted will be deducted from your Point total. Such deductions may result in a negative Points balance, in which case, any Points you earn will be applied to reduce that balance and you will not be able to redeem Points until you again have a positive balance.

We may from time to time make special offers for you to earn additional Points on specific purchases. The terms and conditions for such special offers (such as which purchases qualify and the number of additional Points you may earn) will be disclosed at the time of offer. Please check those terms and conditions carefully, as there may be important conditions or limitations (such as blackout periods, point limitations or exclusions). Availability of any special offer is subject to change without notice.

Points you earn may not be combined with Points earned by anyone else for purposes of receiving a Reward.

If your Account is not Current, your Points will continue to accumulate; however, you will not be eligible to redeem them until the end of the billing period in which your Account is once again Current. “Current” means your Account (1) is open to new charges, (2) is not delinquent or in default under the Agreement, (3) does not have a balance over the assigned credit limit, and (4) is not flagged as lost, stolen, or fraudulent according to Bank’s written or electronic records. Points are not earned on balance transfers, convenience checks, cash advances, unauthorized charges, purchases of money orders or other cash equivalents; purchases made by or for a business or for a business purpose; fraudulent transactions; and transactions subject to adjustment, or on fees of any kind, such as finance charges, late payment fees, and cash advance fees.

There is no maximum accumulation of Points earned on Net New Purchases per billing period or per calendar year. 

Points are considered earned when they are posted to the redemption system. Points will be updated monthly. However, Points may take up to forty-five (45) days to be posted following a qualifying purchase. We reserve the right to verify and adjust Points at any time prior to or following posting or redemption.

Points will expire after three (3) years. However, if you or we close your Account, your Points will expire immediately and you will have no further rights under the Program.

Points earned have no cash value, and cannot be purchased, sold or redeemed for cash. Points may not be used as payment of any outstanding obligations to the Bank or its affiliates.

4. Point Expiration and Forfeiture. You may redeem Points for Rewards at the Program website, www. comenity.net/akc. However, Points may not be combined with any other coupon, discount or special offer. Points will be redeemed on a “first in, first out” basis, such that the first Points earned will be the first Points redeemed. Rewards are subject to availability and have no cash value. Once a redemption order is placed, your Points balance will be reduced by the number of Points used to obtain the Reward. If you order a Reward that is subsequently cancelled or otherwise becomes unavailable after the order is placed, and there is no substitute Reward available, or if you redeem Points for merchandise that is subsequently returned, the Points applied to that Reward will be added back to your Points balance. In the event a return, refund, or credit adjustment results in insufficient Points for the Reward ordered, the Reward order may not be fulfilled. If the Reward order is fulfilled and we later discover that you did not have sufficient Points for the Reward in your Points balance, in addition to any other actions we may take, future Points earnings will be applied to that Reward until such time as sufficient Points are earned to cover the redemption of that Reward. You will not be able to redeem Points until you

again have a positive balance.

Points will expire three (3) years after the date that they are issued. Once Points expire, they may not be redeemed. You will also forfeit your unused and unexpired Points if you attempt to violate the prohibitions on the transfer of Points, if you file for bankruptcy, or if we or you close your Account for any reason. You will not be entitled to and will not receive any compensation from us for your Points that expire or are forfeited.

Lost, stolen or mutilated Rewards will not be replaced under any circumstances.

5. Communications. We may communicate with you regarding any matter related to the Program by mail, telephone, or electronic communication. You may update your contact information at the Program website, www.

comenity.net/akc.

6. Program Activity. You can view your Program activity at the Program website, www.comenity.net/akc, which will show the number of unused and unexpired Points in your Points balance and any redemption activity. You can also call us at 1-855-463-0225 for AKC Visa Card or 1-800-224-1860 for AKC Visa Signature Card (TDD/TTY 1-888-819-1918) for such information and to find out whether you earned Points from a particular transaction. 

If you want to know whether a Reward was properly redeemed, want to know the status of a redemption order, or want to ask any other question regarding the Program, call us at 1-855-463-0225 for AKC Visa Card or 1-800-224-1860 for AKC Visa Signature Card (TDD/TTY 1-888-819-1918). 

7. Points Dispute. Your billing rights and the special rights that apply when you are dissatisfied with your credit card purchases, which rights are set forth in your Agreement, do not apply to the Program. If you believe that a purchase made on your Account should have resulted in the addition of Points to your accumulated Points balance, and such Points are not reflected in the accumulated Points balance within forty-five (45) days of the date on which the purchase posted to your Account (“Points Dispute”), notify us immediately. We will use reasonable efforts to investigate your Points Dispute so long as you notify us of such dispute within ninety (90) days of the posting date of such purchase. If you do not notify us within such ninety (90)-day period, you will have waived your right to make a Points Dispute with respect to that purchase. In order for us to undertake an investigation of your Points Dispute, we may require you to provide written confirmation of the dispute. If we do not receive the requested written confirmation at the address and within the time requested by us, we may in our sole discretion determine not to investigate your Points Dispute. Upon completion of our investigation of your Points Dispute, we will have no further responsibilities should you later reassert the same Points Dispute.

All disputes related to the Program are subject to the Jury Trial Waiver and Arbitration Provision in your Agreement. 

8. Limited Liability. We may waive any obligation you have under these Program Terms without losing our right at a later time to enforce that same obligation. We will not lose any of our rights under these Program Terms if we delay taking action for any reason. If we take any other action, we will not lose any rights under these Program Terms.

Unless otherwise required by law or our agreements with you, neither we nor any vendor associated with the Program, nor any of our or its affiliates, officers, directors, employees, or agents will be liable to you, or anyone making a claim on your behalf, in connection with (a) any termination of, change in, or temporary suspension of the Program; (b) any claim relating to any merchandise, gift certificates, gift cards, or travel awards or any items purchased using any gift certificates or gift cards obtained through the Program; (c) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; (d) any content, products or service appearing on a website to which we provide a link from the Program Website; or (e) any taxes that you incur as a result of receiving or redeeming Points. Notwithstanding the foregoing, any liability that we may have to you in connection with the Program shall be limited to the amount of any Points you have earned in accordance with these Program Terms.

9. No Warranties. We do not: (a) endorse any merchandise, gift certificates, gift cards, or travel awards offered as Rewards; (b) make any express or implied warranty regarding any merchandise, gift certificates, gift cards, or travel awards offered as Rewards; (c) guarantee the performance of merchandise, gift certificates, gift cards, or travel awards offered as Rewards; or (d) operate or control the merchandise, gift certificates, gift cards, or travel awards offered as Rewards.

10. Changes to the Program. Subject to any notice requirements and other limitations imposed by applicable law, we may, at any time: (a) change, limit, or terminate any aspect of the Program or these Program Terms, including the types of Rewards available, the items available as Rewards, and the cost of Rewards; (b) terminate the Program in its entirety; (c) amend these Program Terms in whole or in part, including adding provisions covering subjects not previously addressed; (d) discontinue or replace any Rewards with similar Rewards or Rewards of lesser, equal or greater value; (e) add or increase fees charged in connection with the Program; or (f) terminate your participation in the Program for any reason. Changes may apply retroactively and may affect outstanding transactions and Points, and may include, without limitation, the earnings rate for Points, the number of Points required to obtain specified Rewards, the type of transactions qualifying for Points, the type or value of Rewards, the expiration date of Points, and the maximum number of Points that may be earned per billing period or year. Any of the foregoing actions may be taken even if such actions affect the value of Points already earned.

11. Cancelling Program Participation. You may cancel your participation in the Program at any time by calling us at 1-855-463-0225 for AKC Visa Card or 1-800-224-1860 for AKC Visa Signature Card (TDD/TTY 1-888-819-1918). If you cancel your participation in the Program, you will no longer earn Points and, as previously noted, you will forfeit your unused and unexpired Points.

12. Lost, Stolen or Damaged Cards. You will not lose your unused and unexpired Points if your Card is lost, stolen or damaged and we provide a replacement Card, even if such replacement Card has a different Account number. However, if your Card is reported as lost, stolen, or damaged you will not earn Points until we provide a replacement Card.

13. Privacy. All information collected about you in connection with the Program is subject to our privacy policy, which can be obtained at the Program website, www. comenity.net/akc.

14 Not Transferable. Points are not your property and are not transferable to anyone by operation of law or otherwise. Points may not be transferred between accounts issued by us, may not be transferred upon death or as part of any domestic relations legal proceedings, and may not be brokered, bartered, sold or transferred in any way. Any attempted transaction of such sort will automatically be void. Anyone selling, purchasing, brokering, bartering, transferring, or altering Points, either wholly or partially, shall be liable for payment of the applicable full retail price of any merchandise, gift certificates, gift cards, or travel awards obtained with them, as well as all damages, including, but not limited to consequential damages, transaction costs, and litigation costs (including attorney’s fees and costs at trial and on appeal and in any bankruptcy proceeding). Any brokered, bartered, altered, sold, or purchased Points shall likewise be void and may be deducted from your Points balance. Any violation of these provisions will result in termination of your eligibility to participate in the Program and forfeiture of unused Points.

15. Taxes. You are solely liable for any applicable federal, state or local income, sales, use, or other taxes arising out of the accrual or use of Points. Consult your tax advisor concerning any tax consequences that may arise from your participation in the Program.

16. Severability. If a court of competent jurisdiction or any government agency determines that any provision of these Program Terms is void or unenforceable, that provision will continue to be enforceable to the extent permitted by that court or agency, and the remainder of that provision will no longer be considered as part of these Program Terms. However, all other provisions will remain in full force and effect.

17. Governing Law. The Program and these Program Terms are governed by federal law and, to the extent state law applies, the laws of the State of Utah, without any reference to its choice of law provisions. 

18. Incorporation of Hinda Terms and Montrose Rules; Conflicts. Your redemption of Points is also governed by the Hinda Terms and the Montrose Rules below, as applicable. In the event that any of the Hinda Terms or Montrose Rules conflict with the Program Rules, the Program Rules will control.

19. Waivers. We can delay enforcing our rights under these Program Terms without losing them. In addition, our failure to exercise our rights on any one occasion, or even on more than one occasion, does not constitute a waiver of our rights for any future occasion. All waivers must be in writing.

HINDA TERMS

You may use Points to obtain Rewards through Hinda, a non-affiliated third party, who is solely responsible for the administration of the Program with respect to the purchase of goods or services offered in their catalog purchased with your Rewards.

1. There will be a 30-day replacement policy for any merchandise item received damaged or defective assuming the item is returned with all original packaging and the item does not require service under manufacturer warranty as provided below. For more information about this policy and instructions for returns, visit the Program website, comenity.net/akc. Beyond 30 days, a Proof of Purchase will be provided to the Cardholder so the item can be serviced under the manufacturer’s warranty, if applicable. Note, there are some brand name items which only allow for service under manufacturer warranty. For more information, visit the Program website, comenity.net/akc. Returned merchandise will not be accepted without prior written authorization from the Customer Care Service Department. Call 1-855-463- 0225 for AKC Visa Card or 1-800-224-1860 for AKC Visa Signature Card (TDD/TTY 1-888-819-1918) for details. 

2. No returns or exchanges are allowed on gift certificates/ gift cards. Lost or stolen gift certificates/cards are not replaceable. 

3. Delivery of merchandise and gift certificates/gift cards shown on the Program website will be made by UPS or another nationally known carrier or first-class mail whenever possible and will ordinarily take approximately two to four weeks from time of order. Items that are delivered direct from the manufacturer will take approximately six to eight weeks from time of order. Merchandise shipments cannot be made to a post office box. Not all merchandise items are available outside the continental United States. Areas such as Alaska, Hawaii, Puerto Rico and the U.S. Virgin Islands may require additional shipping and handling charges to fulfill merchandise orders. For more information, visit the Program website, comenity.net/akc.

4. Certificates/gift cards obtained through the Program will not be honored retroactively in connection with any prior purchases. 

5. If a specific merchandise item is discontinued, we reserve the sole right to substitute a similar item of equal or greater value.

6. Hinda may establish additional procedures related to fulfillment of Rewards. The procedures will be disclosed prior to redeeming Points for Rewards from Hinda.

MONTROSE RULES

Travel Rewards are made available through Montrose, a non-affiliated third party, who is solely responsible for the administration of the Program with respect to travel and travel-related goods or services purchased with your

Rewards.

1. Participant is responsible for any federal, state or local income or other taxes or gratuities, if applicable.

2. Certain restrictions may apply to travel certificates, tickets and documents. Travel certificates, tickets and documents are not exchangeable, refundable, transferable or redeemable for cash. All travel certificates, tickets and documents will be mailed first-class mail and will not be replaceable in the event of loss, destruction or theft. Participant may request travel certificates, tickets and documents to be delivered by overnight carrier and agrees to pay the associated additional delivery fees by credit card. Participant is responsible for any applicable fees and taxes associated with travel redemptions.

3. The list of airlines, hotel, rental car, cruise or tour companies and any other listed reward available in the Program is subject to change and may be discontinued all or in part without notice. 

4. All travel Rewards are subject to specific terms and conditions. Unless otherwise noted, airline reservations must originate from the contiguous 48 United States. Airline reservations must be made twenty-one (21) days in advance of travel, require a Saturday night stay and may have restrictions, blackout dates, and exclusions. Montrose reserves the right to book all airline tickets on the carrier with the lowest available fare for the round trip between the cities requested. Certificates have no value except when used under the terms and conditions accompanying them. The terms and conditions of any travel offer may be amended by Montrose at any time. Certificates and tickets issued travel awards must be issued in the name of the redeeming Account holder or a member of their immediate family. The Bank is not responsible for the performance of the travel providers associated with the Program. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability.

5. All travel Rewards are subject to the rules and restrictions imposed by the individual travel companies, airlines, hotels, rental car, and cruise line and tour companies. Compliance with these rules is the responsibility of the Participant. Airline ticket travel Rewards are not refundable nor may they be returned to the Program for a credit of Points to the original Points balance. They are non-changeable unless permitted by the airline issuing the ticket. Fees that apply due to permitted changes by the airline are the responsibility of the traveler. En-route stopovers are not permitted unless they are to make direct connections within the carrier’s rules. Minimum or maximum stays required by the carrier may apply.

6. Issuance of some travel certificates does not constitute a reservation. In such cases the certificate holder is responsible for making all reservations with the company that issues the certificate.

7. EVERY EFFORT HAS BEEN MADE TO ENSURE THAT THE INFORMATION REGARDING THE PRODUCTS AND SERVICES OFFERED BY PARTICIPATING REWARD SUPPLIERS IS ACCURATE. NEITHER THE BANK, MONTROSE, NOR THEIR RESPECTIVE PARENT AND SUBSIDIARY COMPANIES ARE RESPONSIBLE FOR ANY ERRORS OR OMISSIONS IN SUCH INFORMATION. Montrose, its owners, agents, and employees act only as reservation agents for transportation, hotel, rental agencies, cruise lines, tour operators and other travel related services. Neither Montrose nor the Bank will be responsible for any travel supplier or airline performance, cancellation of flights, schedule changes, flight delays, default, bankruptcies, or other reasons; nor for any death, injury, loss, damage or inconvenience whatsoever to a person or property in connection with any trips taken or travel services booked through Montrose by or for the Cardholder or other individual(s) named on travel tickets or documents. Although Montrose will do all that is possible to help or re-book each customer or Cardholder, in the case of a supplier not delivering an Reward, neither Montrose nor the Bank is responsible for any additional costs you may have to incur in relation to a Reward which is canceled or cannot be provided for any reason.

8. To see additional rules regarding certificate redemptions for airline tickets, cruises, car and hotel rewards, please see the travel section of the Program Website at www.comenity. net/akc, or contact Customer Care at 1-855-463-0225 for AKC Visa Card or 1-800-224-1860 for AKC Visa Signature Card (TDD/TTY 1-888-819-1918).

9. Our goal is to provide you with the best quality service; therefore, your call may be recorded.

10. If a travel reward redemption results in a cardholder card charge, the card may be charged by either the Travel Supplier (e.g. Airline, Cruise Line) or by Montrose and appear on your statement as applicable. Depending on the Reward and how many Points you redeemed, the total cost charged to your card may appear as more than one charge on your card statement. When combined, these separate card charges will equal the total cost to be charged to your card for this Reward redemption, as authorized during the booking process for the Reward.

The AKC Visa® credit card is issued by Comenity Capital Bank, pursuant to a license from Visa U.S.A. Inc.