You agree to the terms & conditions governing the Program as set forth herein.

A. How To Earn Points Everyday

(1) You may use points at member retail establishment to purchase merchandise that we make available in the Program. You will accrue / earn ------ Points for every ------- you spend on Eligible Purchases.

(2) A Purchase includes the total amount of each sale excluding VAT.

(3) Purchases resulting in fractions will not be shown on the Redemption Statement either on website or in points account as only whole Points shall be displayed, but the system tracks and accumulates all fractional points.

B. What Is An Eligible Purchase:

"Eligible Purchases" means the total purchases at a member retail establishment using a membership Card for any lawful purchase to buy goods or services, less any returns, refunds, credits, or adjustments that are not payments. In our sole discretion, we may deduct Points from your Account in order to make adjustments for returns and cancellations with respect to Eligible Purchases. We may change the member retail establishment from time to time without prior notice to you. To learn about our current member retail establishment go to -----.com or call -------.

We make no guarantees, warranties or representations of any kind, expressed or implied, with respect to the member retail establishment or the goods or services offered by any participating the member retail establishment.

C. How You Can Redeem Rewards Points

(1) Only an Authorized Signer or Account Owner may redeem points on Rewards Account.

(2) Points must be posted to and reflected on a current account statement in order to be redeemed. We reserve the right to correct misstated Reward Points represented on statements or the website at our sole discretion.

(3) You agree that any authorized signer on your account and any owner of a linked account can redeem accumulated points.

(4) Points must be redeemed within ------ months after the month in which the Points were awarded to your Account. If not redeemed, they will be cancelled and removed from your Account.

(5) We may change rewards and point levels at our sole discretion.

(6) Rewards will not be personalized and are transferable to any person. They are not exchangeable, refundable, re-loadable, or redeemable for cash; and cannot be replaced if lost or stolen. Additional terms and conditions imposed by the member retail establishment may also apply.

A. Important Limitations and Conditions

(1) If you close your account or terminate your participation in the Reward Program, all Points will be immediately and irrevocably forfeited, even if re-enroll in the Program.

(2) We reserve the right to disqualify member from participating in the Reward Program and to invalidate all Points for abuse, fraud or any violation of the reward Program terms and conditions, at our sole discretion.

(3) Unless specifically authorized by us, Reward Points may not be combined with other discounts, special rates, promotions or other reward programs offered by the member retail establishment.

B. Point Value and Ownership

Points are not your property and have no cash or other value unless they are redeemed for rewards. Points are not transferable and cannot be bought, sold, or used as payment on your account.

(4) Points must be redeemed within ------ months after the month in which the Points were awarded to your Account. If not redeemed, they will be cancelled and removed from your Account.

(5) We may change rewards and point levels at our sole discretion.

(6) Rewards will not be personalized and are transferable to any person. They are not exchangeable, refundable, re-loadable, or redeemable for cash; and cannot be replaced if lost or stolen. Additional terms and conditions imposed by the member retail establishment may also apply.

A. Important Limitations and Conditions

(1) If you close your account or terminate your participation in the Reward Program, all Points will be immediately and irrevocably forfeited, even if re-enroll in the Program.

(2) We reserve the right to disqualify member from participating in the Reward Program and to invalidate all Points for abuse, fraud or any violation of the reward Program terms and conditions, at our sole discretion.

(3) Unless specifically authorized by us, Reward Points may not be combined with other discounts, special rates, promotions or other reward programs offered by the member retail establishment.

B. Point Value and Ownership

Points are not your property and have no cash or other value unless they are redeemed for rewards. Points are not transferable and cannot be bought, sold, or used as payment on your account.

C. Member retail establishment (Suppliers)

Suppliers of Rewards are independent contractors and are not our agents. We do not offer, endorse or guarantee any of the goods or services provided as part of the Rewards. We do not warrant the quality, merchantability, or fitness for a particular purpose of any merchandise or service you purchase with your Points. You must address any concern or complaint directly with the member retail establishment and agree that we are not responsible in any way for such purchases. You hereby agree to release, discharge, and hold harmless FROSCA, and their respective affiliates, employees, partners, successors and assigns from all claims, damages or liability including but not limited to physical injury or death, arising out of participation in the Program. Further, you release us from any and all liability for any loss, expense, accident, injury or inconvenience that may arise in connection with the use or defect of any Reward or your participation in the Program.

D. Tax Liability

Reward Points may constitute taxable income. The member shall be responsible for any personal tax liability related to participation in the Program or as a result of points earned and/or redeemed. We do not offer tax advice. Please contact a tax advisor for individual circumstances.

E.

Internet and Telephone Communications

We will not be responsible for your inability to connect to the Internet or to access the website or otherwise not to receive electronic communications. Electronic communications are presumed to be delivered to and received by you when sent by us, whether actually received or not.

F. Changes to or Cancellation of the Program

We may, at any time, add to, amend or change any of the terms, conditions or restrictions of the Program. The Program may be changed or discontinued but points awarded before the program is changed or discontinued will be honoured for a limited period of time before the program was changed or discontinued, as applicable.

We reserve the right to forfeit and cancel any Everyday Points® which are not redeemed within 90 days after notice of cancellation of the program is given.

G. Assignment

We may assign our rights and obligations under this agreement to a third party, who will then be entitled to any of our rights that we assign to them.

H. Dispute Resolution

All Reward Points are subject to verification and confirmation by us. All decisions regarding rewards disputes shall be final and shall not be subject to challenge in any court of law.