TERMS AND CONDITIONS

First Data Points of Sale®

TERMS AND CONDITIONS
(Effective January 1, 2014)

Program Terms and Conditions for United States

Program Overview

The Points of Sale (the "Program") is an incentive program sponsored by First Data Corporation ("Sponsor") for First Data partners through which their employees can redeem points for rewards based on referrals that result in First Data credit-approved accounts. Partner employees may register and redeem their points at http://firstdatapartnerrewards.com ('the Website"). Participants can earn points each month provided that they have at least 3 First Data credit-approved accounts within a quarter.

Eligibility

The Program is open to legal residents of the 50 United States (or the District of Columbia) and Canada who are 13 years and older at the time of enrollment and who enroll at the Website. The Program is void where prohibited by law. Members of immediate family (spouse, parents, siblings, and children) and household members of employees of Xceleration and any other agencies or companies involved in the development or execution of the Program and their immediate family (spouse, parents, siblings, and children) and household members of each such employee may not participate in the Program.

Duration of Program

The Program begins at 12:00 a.m. Eastern Time ("ET") on January 1, 2014 and is scheduled to end at 11:59 p.m. ET on December 31, 2014. Participants have until March 31, 2015 to redeem points (the "Redemption Period"), but Sponsor reserves the right to shorten, extend, suspend, modify, or cancel the Program, at its discretion, at any time. Active employment with a First Data partner is required for participation in the Program.

How to Participate

Beginning January 1, 2013, and continuing through December 31, 2014, participants can work towards earning points for referrals submitted that result in First Data credit-approved accounts. Points should be redeemed for rewards online at http://www.firstdatapartnerrewards.com. Once Program participants have registered on the website, they are eligible to use their points to receive rewards throughout the year. To participate in the Program, eligible participants must go to http://www.firstdatapartnerrewards.com and register. The participant should complete the registration process by entering the required information.

How to Earn Points*
*minimum requirement to receive rewards

Points earned from qualified First Data credit-approved accounts can be used toward rewards identified in the Points of Sale® Catalog (the "Catalog"). The Website (or Partner's website) will list the corresponding point value required to redeem each item. Participants must comply with individual Rewards limitations where indicated on the Website (or Partner's website). Sponsor reserves the right to modify the list of merchandise in the Catalog as well as the point values of the items in the Catalog, at any time for any reason during the Redemption Period. All redemptions are subject to these Terms and Conditions and all limitations or requirements stated on the Website. Each participant is responsible for ensuring the accuracy of his/her Account and is encouraged to check his/her Account regularly. Each participant is responsible for ensuring the mailing address associated with his/her Account is accurate and up to date. Sponsor is not responsible for non-receipt of redemption products shipped to the mailing address associated with a participant's Account. Changes to Accounts or Account information may only be made by the participant to whom the Account belongs. All point redemptions for products are final. Refunds, exchanges and other issues regarding the product redeemed are governed by the vendor's terms and conditions applicable to the purchase and are not the responsibility of Sponsor. Participants may redeem points in the manner set forth above until March 31, 2015, at 11:59 p.m. ET (the end of the Redemption Period), unless extended or otherwise modified by Sponsor. Only partner employees who register for the program and participate online at http://www.firstdatapartnerrewards.com are eligible to receive rewards. Cash cannot be substituted for rewards. Program is non-transferable. Program is subject to cancellation at any time. Redemption of rewards through this website constitutes acceptance of the Points of Sale® Program terms and conditions and serves as certification that all requirements have been met by the participant. Questions may be directed to POS@Rewardstation.com or 1-855-POS-2012 (1-855-767-2012). If a participant's employment with a First Data partner is terminated for any reason, he or she will: 1) no longer be a Participant in the Program and 2) not be eligible to receive any additional points after effective date of termination. For purposes of redemption of points through this Program, participant's "effective date of termination" from employment and/or participation in this Program will be determined by Sponsor and First Data partner's sole discretion.

Modifications and Termination of the Program

Sponsor reserves the right to modify, revise or cancel the Program, any part of the Program or any of the Terms and Conditions set forth herein - including, but not limited to, the duration of the Collection Period and Redemption Period, methods by which participants can collect points, the eligible products to be purchased, the number of points associated with the purchase of eligible products or other activities, the number of purchases through which participants may collect points, the number of points that may be redeemed through the Program, and any of the options made available to participants with respect to their Accounts - at any time, with or without notice, even though these changes may affect a participant's ability to accrue or use his/her points. Sponsor's decision on any aspect of a participant's account, status, point balance, or any aspect of the Program or a particular participant's participation in it shall be final. Sponsor reserves the right to terminate or temporarily suspend the Program at any time, for any reason, with notice, even though termination may affect a participant's ability to accrue or use his/her points. In the event of an early termination, participants will have 90 days from date Program termination is announced to redeem their points. If the Program expires as scheduled, participants will have until the end of the Redemption Period to redeem their points. A participant's continued participation in the Program constitutes the participant's acceptance of any changes to these Terms and Conditions. Participants are responsible for remaining knowledgeable as to any changes that Sponsor may make to these Terms and Conditions. The most current version of these Terms and Conditions, which will indicate the date they were last updated, will be available at the Website and will supersede all previous versions of these Terms and Conditions.

General Terms and Conditions

To learn how the personal information collected in connection with the Program may be used, participants should read the Privacy Policy for the Website which is available at (link to privacy policy). The terms of the Privacy Policy for the Website are incorporated herein by reference. The Program is provided to individuals only. Corporations, associations or other groups may not participate in the Program. It is fraudulent for any individual or company, association, or group to direct, encourage, or allow individuals to use a single Account for the purpose of accumulating points for combined use. Points do not constitute property of a participant and may be revoked at any time by the Sponsor. Points may not be transferred or assigned. All questions or disputes regarding eligibility for the Program, collecting or redemption of points, or a participant's compliance with these Terms and Conditions will be resolved by Sponsor in its sole discretion. All issues and questions concerning the construction, validity, interpretation and enforceability of the Terms and Conditions, or the rights and obligations of any participant and Sponsor in connection with the Program, shall be governed by, and construed in accordance with, the laws of the State of Georgia, without giving effect to any choice of law or conflict of law rules or provisions (whether of the State of Georgia, or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Georgia. These Terms and Conditions constitute the entire agreement between Program participants and Sponsor pertaining to the subject matter hereof and supersede all prior or other arrangements, understandings, negotiations and discussions, whether oral or written. No waiver of any of the provisions of these Terms and Conditions shall be deemed or shall constitute a waiver of any other provisions hereof (whether or not similar), nor shall waiver constitute a continuing waiver unless otherwise expressly provided. If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of these Terms and Conditions, which will otherwise remain in full force and effect.

Base Program Disclaimer:

* To be eligible for points and other awards noted in these promotional materials, a referral must be credit approved within January 1, 2014-December 31, 2014. In addition, program participants must be registered with the Points of Sale program and employed by their financial institution employer as of such date. Financial institution employees can redeem their points for the awards highlighted above or on similar promotional collateral, or for any award of equivalent point value from the POS Award Station. Points can be redeemed at any time during the year, up to March 31, 2015 at http://www.firstdatapartnerrewards.com. Points awarded are determined based on the approved account thresholds launched for this program during the promotional period of January 1, 2014- December 31, 2014. Once the various thresholds are met for a given quarter, financial institution employees can view their point balances at http://www.firstdatapartnerrewards.com. Program criteria, including point award thresholds, can change after March 31, 2014.

Gas/Groceries Giveaway Disclaimer:

**Financial institution employees who achieve 10 credit-approved accounts between January 1, 2014-March 31, 2014 and meet all other program criteria can qualify for a years’ worth of either gas or groceries valued at $3,000. This award will be provided in the form of 12 monthly $250 gift cards from one of the following vendors the participant chooses: _________. First Data reserves the right to determine which individuals qualify for this award and to limit the number of total qualifying participants at any time. The pool of potential qualifying financial institution employees will include employees across all participating financial institutions. All qualified participants will be notified of their qualification by May 1, 2014 at which point they will be asked to select the vendor of their choosing. Qualifying participants can expect to receive their first $250 gift card 4-6 weeks following the selection of their chosen vendor.

General Disclaimer:

Each award is determined by the incentive level achieved based on the total number of closed and credit-approved accounts referred by the participating financial institution employee. Points will be reflected in a participant’s account after the various criteria, including approved account thresholds, are met in a given quarter. The number of account referrals for each participant is reset at the start of each quarter. Participant is required to be registered by the close of the quarter that the referrals are made in order for the participant to be eligible to earn points. Approved accounts are qualified based on a separate Federal Tax ID. Applicable federal and state taxes may apply. Referrals for POGO accounts do not count towards Points of Sale ‘Points’ ‘Threshold Qualifications’ or and ‘Challenge or Blitz’ campaign. .The Points of Sale award is in addition to any current referral incentive at your financial institution. Points awarded for referred accounts are subject to change. For additional Terms and Conditions, please visit http://www.firstdatapartnerrewards.com.

©2014 First Data Corporation. All Rights Reserved. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.