Terms and Conditions

Coast to Coast Visa Rewards Program Terms ("Program Terms")

As of December 21,2023

Important note: These program terms are subject to the jury trial waiver and arbitration provision in your credit card account agreement that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration.

Please read these Program Terms carefully for important information about your rights and obligations in the Coast to Coast Visa or Coast to Coast Visa Signature Credit Card Rewards Program ("Program"). By participating in the Program, you agree to these Program Terms. The Program is provided by Comenity Capital Bank ("Bank"). Comenity Capital Bank is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at anytime. The purpose of the Program is to reward customers for certain uses of their Coast to Coast Visa or Coast to Coast Visa Signature Credit Card ("Card"). The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program.

For the most up-to-date terms, please visit comenity.net/ac/coasttocoast

As of 12/10/2023

General Information

The Program allows you to earn Points ("Points") on the amount you spend as described in the "Earning Points" section below, using your Coast to Coast Visa or Coast to Coast Visa Signature Credit Card Account (your "Account"). You can then redeem Points for statement credit, branded items, gift cards, travel as described in the "Issuing Rewards and Redemption" section below. You can redeem Points for Rewards through the Account Center at comenity.net/ac/coasttocoast ("Account Center").

These Program Terms are separate from your your Coast to Coast Visa or Coast to Coast Visa Signature Credit Card Account Agreement (your "Account Agreement"), which governs the use of your Account. In the event of any conflict between these Program Terms and your Account Agreement, these Program Terms will control in any matter relating to the Program. By using your Account, you agree to be bound by these Program Terms.

All information collected about you in connection with the Program is subject to Comenity Capital Bank's' privacy policy, which can be obtained at https://d.comenity.net/coasttocoast/common/privacy/PrivacyLanding.xhtml

Earning Points

You will earn Points when you, or an authorized user, make eligible purchases of goods and services for personal, family and household purposes using your Account, minus any returns, refunds or credit adjustments ("Net Eligible Purchases").

Reward earn is rounded to the nearest whole point value using standard rounding. Earning calculations that end in .5 will round up to the next whole point value. For example, earn calculated to 1.5 points rounds to 2 points. All calculations that result in less than .5 will round down. For example, calculated earn of 1.4 points would round to 1 point.

Using your Coast to Coast Visa or Coast to Coast Visa Signature Credit Card, you will earn:

(5) Points for each $1.00 spent on all purchases, minus any returns, refunds or credit adjustments ("Net Eligible Purchases") made at anyCoast to Coast location and affiliates and charged to the card each billing cycle. Affiliates include Coast to Coast, Camping World RV & Outdoors, Good Sam, Gander RV & Outdoors, Overton's, The House, TL Enterprises, and NGIC.

Using your Coast to Coast Visa or Coast to Coast Visa Signature Credit Card, you will earn:

(3) Points for each $1.00 of Net Eligible Purchases made at gas stations or retail establishments classified as Campgrounds and Trailer Parks within the U.S. and Canada as identified by Merchant Classification Codes as described in the Bonus Points for Special Offers section.

(1) Points for each $1.00 of Net Eligible Purchases made anywhere Visa is accepted

Points are not earned on: taxes, shipping & handling, gift cards on purchases at Coast to Coast, purchases using any type of promotional financing, unauthorized or fraudulent charges, charges that violate the terms of your Account Agreement, balance transfers, cash advances, transactions treated similar to cash advances, interest charges, cash equivalents, person to person, and fees of any kind.

Comenity Capital Bank may temporarily prohibit you from earning Points, using Points, receiving or redeeming Rewards, or using any features of the Program if: your Account becomes delinquent; Comenity Capital Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or Comenity Capital Bank may suspect that you misused the Program in any way.

Points awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Points balance. Returned items may result in credits being applied to your Account, which will reduce or may eliminate accumulated Points and may result in a negative Points balance. If your Points balance goes negative, you must first earn Points to bring your Points balance to zero before earning any Points eligible for redemption. Coast to Coast and Comenity Capital Bank reserve the right to verify and adjust Points, as applicable, at any time.

Bonus Points for Special Offers

From time to time, Comenity Capital Bank may make bonus offers to earn additional Points ("Bonus Points"). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Points limits, or exclusions. You may have to register to qualify for the offer. Comenity Capital Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.

Reward Merchant Classification Codes

Merchants who accept Visa are assigned a merchant classification code ("MCC"), which is determined by the merchant or its processor in accordance with Visa procedures based on the products and/or services they primarily sell. Comenity Capital Bank does not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain rewards category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to PayPal and Venmo, will not earn additional Points.

Expiration

Important note: Points will expire 36 months after the date that they are posted to your Points balance.

Termination and Forfeiture

Important note: Subject to any requirements or limitations of applicable law, Comenity Capital Bank may at any time for any reason change or terminate the Program and these Program Terms without notice.

Comenity Capital Bank reserves the right to terminate you from the Program. If the Program terminates, Comenity Capital Bank terminates you from participating in the Program, or you voluntarily cancel enrollment in the Program, all Points will be forfeited.

Points will be forfeited if any of the following occur: your Account is closed(Except for New York residents, where Points will be forfeited 90 days from notice of Account closure unless your Account is closed for misuse); you terminate your participation in the Program; you or any authorized user engages in any fraudulent activity or misuse related to your Account or the Program, or engage in any activity deemed to be abusive or gaming conduct, as determined by Comenity Capital Bank. Misuse includes, but is not limited to, obtaining or using an Account to maximize Points earned in a manner that is not consistent with typical consumer activity as determined in Comenity Capital Bank's sole discretion. Misuse of your Account also includes, but is not limited to, failure to make timely payments or any other violation of the terms of your Credit Card Agreement.

Points earned will be forfeited upon your death, and your estate, successors and assigns will have no property rights or other legal claim to access and redeem such points, unless the Bank receives a written request for redemption of points within 12 months of the documented date of your death from the executor or administrator of your estate, along with documentation satisfactorily to us of your death and the identity and appointment of the executor or administrator. Whether points are eligible for redemption and how they may be redeemed depends on the final status of your account. Redemption is subject to the account being closed and paid in full, and is in our sole discretion.

Issuing Rewards and Redemption

You may redeem Points for Rewards on the Program Catalog Website Account Center at comenity.net. Points will be redeemed on a "first in, first out" basis, such that the first Points earned will be the first Points redeemed. Once you've redeemed Points for a Reward, your Points balance will be reduced by the number of Points used to obtain the Reward and will appear on Account Center. Rewards are issued for reward purposes only.

We contract with Bakkt and Aspire, non-affiliated third party, who is solely responsible for the administration of the Program with respect to goods or services offered on the Program Catalog. To contact Bakkt and Aspire call 1-855-224-1691 or email customercare@bakkt.com. Bakkt and Aspire may establish procedures related to fulfillment of Rewards. The procedures will be disclosed prior to redeeming Points for Rewards from Bakkt and Aspire. Your redemption types are statement credits, gift cards, travel and Good Sam branded items. Redemption value of Points is variable based on the reward you choose to redeem for.

Redeeming Points for Statement Credits

You may redeem Points for statement credits in fixed denominations determined by the Program. Corresponding point values that are needed to redeem each denomination are listed below. Statement credit denominations and corresponding Points redemption amounts are subject to change or may be discontinued at any time.

Once redeemed, statement credits redemptions may take up to 6 business days to post to your account. Statement credits lower the account balance and do not count towards your minimum monthly payment. Your minimum monthly payment will still be required if your statement credit is not equal to your statement balance due. Once you request a statement credit, your request cannot be changed or returned. Important Notice: Statement credits are only available up to the current balance on your account.

Points required for redemption:

$25 Statement Credit = 2500 points

$50 Statement Credit = 5000 points

$75 Statement Credit = 7500 points

$100 Statement Credit = 10,000 points

$125 Statement Credit = 12,500 points

$150 Statement Credit = 15,000 points

Redeeming Points for Gift Cards

You may redeem Points for gift cards. Gift cards may be requested by you.

Except as required by law, gift cards will not be replaced or replenished if it is lost, stolen, destroyed, used without the intended recipient's permission or used in a manner inconsistent with any law.

Digital gift card orders will be confirmed by an email generated on behalf of the merchant by Bakkt.

Redeeming Points for Travel

Travel Rewards are made available through Aspire, 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 offered on the Program Catalog, including travel certificates, tickets and documents ("Travel Rewards"). For additional rules regarding Travel Rewards purchases, including airline tickets, cruises, car and hotel rewards, please review the "Travel" section of the Aspire site url at aspire.com or contact Customer Care at 1-855-224-1691.

Other Terms

Points may not be sold, transferred or altered in any way by you. Points you earn may not be combined with Points earned on any other credit account or earned by anyone else (other than your Authorized User).

You may review your Points balance via Account Center. It may take up to two billing cycles for Points to post. The amount of Points earned is based on the date your purchase was made, which may be different than the date the transaction posts to your Account. For mail order, special order, online, and other purchases, your transaction may not post to your Account until items have shipped.

Communications and Customer Service

Coast to Coast and Comenity Capital Bank may send communications regarding the Program by mail, phone, email or other methods, including through online Account Center. By providing your mobile phone number, Comenity Capital Bank may contact you about all of your accounts and this Program.

If you have any questions about the Program or to update your contact information, please contact the Customer service phone number on the back of your card or visit Account Center. Coast to Coast and Comenity Capital Bank are not responsible for communications lost or undelivered due to incorrect or outdated address or email.

You can review your Program activity at comenity.net/coasttocoast or on your billing statement.

Points Disputes

If Points you believe were earned have not timely posted to your Points balance, you may dispute your Points balance ("Points Dispute") [by calling 1-844-271-2801 (Visa) or 1-844-271-2802 (Visa Signature) (TDD/TTY: 1-888-819-1918) or by writing to Comenity Capital Bank PO Box 183003 Columbus OH 43218. Comenity Capital Bank will use reasonable efforts to investigate your Points Dispute if you notify Comenity Capital Bank within 90 days of the posting date. If you do not notify Comenity Capital Bank within that period, you waive your right to make a Points Dispute with respect to that purchase. Comenity Capital Bank may require you to provide written confirmation of the dispute and the applicable purchase receipt and may decline to investigate further if you do not provide the requested confirmation or a valid receipt. Upon completion of the investigation, Comenity Capital Bank will have no further responsibilities if you later reassert the same Points Dispute.

Limited Liability

Unless otherwise required by law, neither Coast to Coast nor Comenity Capital Bank nor any of our affiliates, officers, directors, employees, service providers, including Bakkt and Aspire or agents will be liable to you, or anyone making a claim on your behalf, in connection with the Program or these Program Terms, including but not limited to, use of the Program and any redemption for or purchase of products or services through the Program.

Important note: Notwithstanding the foregoing, any liability that Comenity Capital Bank 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. In addition, unless otherwise required by law, you and we each waive the right to seek punitive or exemplary damages against the other.

No Warranties

Coast to Coast, Comenity Capital Bank and all of each of such company's respective subsidiaries and affiliates make no warranty, express or implied, including but not limited to, any warranties of merchantability or fitness for a particular purpose with respect to the Program or any products or services related to such Program. Coast to Coast and Comenity Capital Bank do not guarantee the performance of Rewards, or products or services obtained through the Program, nor do they operate or control the merchandise, gift certificates, gift cards or travel offered as Rewards.

Taxes

You are responsible for any tax liability that may result from participation in the Program. Consult your tax advisor concerning such tax consequences.

Cancelling Program Participation

You may cancel your participation in the Program at any time by calling Comenity Capital Bank at Comenity Capital Bank at 1-844-271-2801 (Visa) or 1-844-271-2802 (Visa Signature) (TDD/TTY: 1-888-819-1918). If you cancel your participation in the Program, you will no longer earn Points and you will forfeit your unused and unexpired Points. Your cancellation will not affect any previously redeemed Rewards.

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.You may not assign your rights or obligations under these Program Terms to any other person or entity. ImportantImportant note: You and Comenity Capital Bank agree that each of us may bring claims arising from or relating to these program terms only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.

"Claim," as used in these Program Terms means any claim, dispute or controversy that in any way arises from or relates to these Program Terms.

Complete Agreement; Severability; Conflicts; No Waiver

These Program Terms supersede any previous terms and conditions governing the Program. The Program is not available where and to the extent prohibited by law. If any part of these Program Terms conflict with applicable law, that provision will be deemed severed from these Program Terms and the remainder of the Program Terms will remain in effect. Comenity Capital Bank will not lose our rights under these Program Terms because Comenity Capital Bank choose to delay or not enforce them.

Licensing

The The Coast to Coast Visa or Coast to Coast Visa Signature Credit Card is issued by Comenity Capital Bank, pursuant to a license from Visa Inc.