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Brighter Planet Credit Card Program Rules: This document contains the terms and conditions of the Brighter Planet Visa® rewards program rules (“Program Rules”). This program is issued by FIA Card Services, N.A., and administered by Brighter Planet, Inc. and includes information describing program eligibility, qualifications for earning points, application of points for carbon offset purchases, and more. These Program Rules are your guide to the rewards program (the “Program”). Activation of this credit card is your acknowledgement and acceptance of the terms and conditions of your Credit Card Agreement, including its provisions regarding the use of arbitration to resolve claims (as defined in the Credit Card Agreement). These Program Rules are not part of the Credit Card Agreement.

Each cardholder, joint cardholder or authorized user(s), if any, who receive and use the card (individually and collectively referred to as “you,” “your,” “cardholder(s),” or participant(s)”) are eligible to earn points (“Points”) through the Program. To participate in the Program, the card must be open and have active charging privileges. Corporations, partnerships, trusts, foundations and other entities or organizations, including business enterprises, may not participate in the Program. The cardholder must reside within the United States or Puerto Rico and be at least 18 years of age in the United States and 21 in Puerto Rico

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