As of June 24, 2022

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 Farmers Rewards Visa® and Visa Signature® Rewards Program ("Program"). By participating in the Program, you agree to these Program Terms.

The Program is provided by Comenity Bank ("Bank"). Comenity Bank is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for certain uses of their Farmers Rewards Visa® and Visa Signature® Rewards 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/farmersrewardvisa

General Information

The Program allows you to earn Points ("Points") on the dollars you spend as described in the "Earning Points" section below, using your Farmers Rewards Visa® and Visa Signature® Card Account (your "Account"). You can then redeem Points for certain Catalog Rewards Items as described in the "Rewards" section below, including the Bakkt Merchandise and Gift Certificate/Gift Card Terms and Conditions ("Bakkt Terms"), the Aspire Loyalty Travel Program Rules and Conditions ("Aspire Loyalty Rules".) You can redeem Points for Rewards through the Account Center at comenity.net/farmersrewardsvisa ("Account Center").

These Program Terms are separate from your Farmers Rewards Visa® and Visa Signature® 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 Bank's privacy policy, which can be obtained at https://d.comenity.net/farmersrewardsvisa/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").

Using your Farmers Rewards Visa® and Visa Signature® Card, you will earn:

• (3) Points for each $1.00 of Net Eligible Purchases made on Farmers and other insurers' products.
• (3) Points for each $1.00 of Net Eligible Purchases made on Gasoline and Home Improvement purchases.
• (1) Points for each $1.00 of Net Eligible Purchases made everywhere else Visa is accepted.

Points are not earned on: 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, and fees of any kind.

Comenity Bank may temporarily prohibit you from earning Points, using Points, or using any features of the Program if: your Account becomes delinquent; Comenity Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or Farmers suspects 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.Comenity Bank reserves the right to verify and adjust Points, as applicable, at any time.

Bonus Points for Special Offers

From time to time, Comenity 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 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.

Expiration

Important note: Points will not expire after the date that they are posted to your Points balance; however, they will be subject to the terms described in the Termination and Forfeiture section.

Termination and Forfeiture

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

Comenity Bank reserves the right to terminate you from the Program. If the Program terminates,Comenity 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; 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 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 Bank's sole discretion.

Issuing Rewards and Redemption

You may redeem for Rewards on the program catalog website accessible through] Account Center at comenity.net/farmersrewardvisa. 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, a 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 catalog customer service call 1-855-475-9811. Bakkt may establish procedures related to fulfillment of Rewards. The procedures will be disclosed prior to redeeming Points for Rewards from Bakkt. Your redemption types are catalog merchandise, gift cards, travel. Redemption value of Points is variable based on the reward you choose to redeem for.

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

We may send communications regarding the Program by mail, phone, email or other methods, including through online Account. By providing your mobile phone number, Comenity 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 1-844-271-2593 (TDD/TTY 1-800-695-1788) or visit Account Center. Farmers and Comenity Bank are not responsible for communications lost or undelivered due to incorrect or outdated address or email.

You can review your Program activity at https://d.comenity. net/farmersrewardsvisa/pub/Home.xhtml.

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 1-844-271-2593 (TDD/TTY 1-800-695-1788) or by writing Comenity Bank at PO Box 182273, Columbus, OH 43218-2273 . Comenity Bank will use reasonable efforts to investigate your Points Dispute if you notify Comenity Bank within 90 days of the posting date. If you do not notify Comenity Bank within that period, you waive your right to make a Points Dispute with respect to that purchase. Comenity 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 Bank will have no further responsibilities if you later reassert the same Points Dispute.

Limited Liability

Unless otherwise required by law, neither Farmers nor the Bank, nor any of our or its affiliates, officers, directors, employees, service providers, 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.

Unless otherwise required by law, neither Farmers not Comenity Bank, its affiliates, officers, directors, employees, service providers, including Bakkt, Aspire or its 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 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

Farmers, the 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.

Farmers, the 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. Farmers and Comenity 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 awards 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 Bank at 1-844-271-2593 (TDD/ TTY 1-800-695-1788). 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; Assignment

The Program and these Program Terms are governed by federal law and, to the extent state law applies, the laws of the State of Delaware. You may not assign your rights or obligations under these Program Terms to any other person or entity. Important note: You and Comenity 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 Bank will not lose our rights under these Program Terms because Comenity Bank chooses to delay or not enforce them.

Licensing

The Farmers Rewards Visa® and Visa Signature® Card are issued by Comenity Bank, pursuant to a license from Visa Inc.