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This is the text from the reverse side of form 21015 sent by Capital Choice Consumer Credit web search for Capital Choice Consumer Credit. Paragraph separations have been added here for readability. The actual text is printed in light blue, in a small font size, without any paragraph separations or titles.


Dream Rewards is a unique card member appreciation program that Delivers the kind of things you really want, just for using your Platinum credit card. It is an easy to use program that lets you earn valuable rewards by simply using your new Platinum credit card. Your choice of rewards includes a wide selection of quality merchandise, free airline tickets, travel discounts, gift certificates and a major bank card. To participate, there is only one thing you need to do... use your new Platinum credit card.

By purchasing with your new Platinum credit card and and making your payments towards your charged purchases you will begin to accumulate Dream Rewards points. That's it! We'll take care of the rest. You'll earn ten (10) points for every $1.00 you charge and pay toward your purchases. The number of points you've earned will appear on your monthly Dream Rewards Point Statement. You can use points alone no additional payment is necessary to redeem anything in the rewards brochure.

See Terms and Conditions:

To redeem your points, simply call the Toll Free number furnished in your brochure and place your order. It's that easy! Using your Platinum card has never been so rewarding. The Dream Rewards program gives you all the choices you've always wanted: a chance for exciting travel destinations along with great merchandise, gift certificates and a Visa® card.

Start putting your Platinum credit card to work for you by using it for merchandise purchases.

Merchandise Rewards Redemption Terms and Conditions; Description of Program:

You will earn Points for all eligible goods and services charged and paid toward your credit line. Points will accumulate at the rate of ten (10) Points per dollar charged and paid on your Platinum credit card. You will receive a "Dream Rewards Points Report" included with every monthly account statement. In order to redeem Points, your credit card(s) must be open (meaning not in dispute, you have not voluntarily closed your account, or your account has not been cancelled or terminated by Capital Choice Consumer Credit for any reason) current (meaning there are no past due balances on your credit card account(s) at the time of redemption request), and your outstanding balance must not be over the credit limit.

Points can only be redeemed based on the Points available as reflected on your most recent credit card statement or last purchase cycle transmitted. Capital Choice Consumer Credit and its vendors cannot be held liable for any accident or injuries associated with a Reward or use of Rewards while participating in this program. Capital Choice Consumer Credit reserves the right to disqualify any cardholder from participation in the program and invalidate all Points for abuse, fraud, or any violation of the program terms and conditions. Capital Choice Consumer Credit may make such a determination in its sole discretion.

Merchandise and certificates of service shown in the rewards brochure will be available for 12 months. Capital Choice Consumer Credit may replace certain items and replace certain sections. When necessary, Capital Choice Consumer Credit may substitute a reward with an updated model of equal or greater value without advance notice. You will be notified of any change when ordering.

All rewards are subject to availability. Merchandise rewards will take four to six weeks to arrive from the time of order. Multiple rewards may arrive at different times from different vendors.

Points are not the property of the cardholder, and cannot be bought sold or transferred in any way (including upon death or as part of a domestic relations matter). Points are not redeemable for cash and cannot be offset against the cardholder's obligation to Capital Choice Consumer Credit. Points cannot be transferred from one account to another. Points from multiple accounts cannot be added together. Points rewards merchandise and offers are Void where prohibited by law.

Shipments of rewards wil be mailed via the U S Postal Service or UPS. Merchandise shippable by UPS or the U S Postal Service will be available within the continental United States.

Sears Gift Cards are redeemable for merchandise and services purchased in conjunction with merchandise at participating Sears Roebuck & Co. store locations in the United States and Puerto Rico. It cannot be redeemed for cash or applied to Sears credit accounts. Cards will not be replaced if lost or stolen. Sears Gift Cards expire two years from issue date except where prohibited. Sears is not a sponsor or co-sponsor of this promotion.

Merchandise pictured in the reward brochure may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturer's up-dates. Information in the brochure is accurate to the very best of our knowledge. Any damages, exceptions or shortages must be noted on the delivery receipt before you sign to accept shipment of merchandise. All merchandise is covered by manufacturer's warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with the product.

The Points Program is void where prohibited by federal, state, or local law. The Points Program is a service that may be provided through third party companies. In the event of fraud, abuse of Program privileges or violation of the Program rules (including any attempt to sell, exchange or transfer Points or the instrument exchangeable for Points), Capital Choice Consumer Credit reserves the right to cancel cardholder's membership in the Points program.

Capital Choice Consumer Credit Platinum Credit Card Program; Disclosures Terms and Conditions:

The Platinum credit card issued by Capital Choice Consumer Credit is a merchandise card and not a major bank card, however, you may obtain a bankcard (Visa®/MasterCard®) by participating in the Dream Rewards program with no credit checks required.

The Capital Choice Consumer Credit Platinum Credit Card does not require a security deposit, there are no annual renewal fees and the 6% interest rate is among the lowest in the country. Also, your card will remain interest-free for the first twelve (12) months from date of issue. You will enjoy many cardholder benefits including a $5,000 creditline which is reported to Equifax. Equifax is one of the largest credit reporting bureaus in the United States. In most cases, a positive reporting of a credit line to the bureaus increases your credit rating. This is important at the time you are buying a car, house, furniture or making any other major acquisition. It will also help you at the time of applying for credit from other credit providers.

You are also going to receive a certificate for a Free Nationwide Motorola® Cellular phone with ten (10) minutes of free talk-time (a $200 value). To redeem your Free Cellular Phone, simply complete the certificate and include a refundable $25.00 activation fee plus shipping and handling.

With your new Platinum Credit Card, you can charge hundreds of high quality products through our attractive catalogs. Initially, your charged purchases will include a 35% down payment with a standard 15% shipping and handling, however, once you receive your major bank card through the Dream Rewards program, no down payment will be necessary.

Travel Rewards Redemption; Terms & Conditions Description of Program:

You will earn Points for all eligible goods and services charged and paid toward your credit line. Points will accumulate at the rate of ten (10) Points per dollar charged and paid on your Platinum credit card. You will receive a "Dream Rewards Points Report" included with every monthly account statement. In order to redeem Points, your credit card(s) must be open (meaning not in dispute, you have not voluntarily closed your account, or your account has not been cancelled or terminated by Capital Choice Consumer Credit for any reason) current (meaning there are no past due balances on your credit card account(s) at the time of redemption request), and your outstanding balance must not be over the credit limit.

Points can only be redeemed based on the Points available as reflected on your most recent credit card statement or last purchase cycle transmitted. Capital Choice Consumer Credit and its vendors cannot be held liable for any accident or injuries associated with a Reward or use of Rewards while participating in this program. Capital Choice Consumer Credit reserves the right to disqualify any cardholder from participation in the program and invalidate all Points for abuse, fraud, or any violation of the program terms and conditions. Capital Choice Consumer Credit may make such a determination in its sole discretion.

FREE AIRLINE TICKET:

You may redeem accumulated and un-expired points for a single lowest-published airfare, round-trip, transferable, coach class (business class or first class are excluded) airline ticket on a scheduled major domestic or international airline for travel by calling a toll-free number serviced by the Travel Service (a travel reservation center approved by the Administrator). The required accumulated points to be redeemed for a "Free Ticket" will be explained in your Dream Rewards brochure. Each "Free Ticket" must be ordered through the Administrator for one round trip coach class airline [sic] on a scheduled US or international carrier. Reservations and ticketing must be made at least twenty-one (21) days prior to actual departure dates. Actual travel may occur any time within one (1) year from the date the reservation conditions in this Agreement are met. For domestic travel a Saturday night stay must be included in the travel itinerary. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.

Points will not be earned or accumulated for cash advances, traveler's check purchases, finance charges, late fees, annual fees, over-limit fees or transaction fees.

At Capital Choice Consumer Credit, additional exclusions may be included in the rules governing the Points program. Maximum accumulation will not exceed 12,000 Points in any consecutive twelve (12) month period. Tickets will be issued within 24 hours of booking and delivered to the cardholder's billing address by first class mail, postage pre-paid. For travel within 14 days of booking, travel documents will be shipped via standard overnight delivery (next day delivery by 5:00 pm) and billed to the Cardholders Credit Card. Priority, Saturday, and international deliveries will be subject to additional shipping charges billed to the Cardholder's Credit Card. Many tickets are now paperless and require no additional handling fees. Normal and customary fees associated with processing travel documents will be billed to the Cardholders Credit Card. Administrator reserves the right to choose a major airline on which to reserve and ticket cardhoders for "Free Tickets".

All airline tickets issued in exchange for Points are non-refundable and non-changeable after ticket issuance without paying the standard fees charged by each airline. Cardholders may also supplement any travel redemption by purchasing additional travel at their own expense.

Restrictions and Limitations

Capital Choice Consumer Credit has the right to change the Terms and Conditions of the Points Program. At Capital Choice Consumer Credit's option, redemption of points may be restricted, limited, expired or canceled. Points may not be combined with any other frequency reward program. Redeemed, restricted, canceled and expired Points will be deducted on a first-in, first-out basis. Capital Choice Consumer Credit reserves the right to award bonus Points to selected cardholders. If cardholders have more than one Platinum credit card account they will earn Points separately under each account. They may not combine Points from different accounts.

All travel must be redeemed through Administrator's fully licensed redemption reservation center. The toll-free number will appear on cardholder's Program announcement and/or credit card statement. Cardholders must have a valid Platinum credit card at the time of redemption. The cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the Points Program. All FREE tickets must be for round-trip travel on the same airline. En route stopovers are not permitted unless they are to make direct connections. Reservations for tickets also exclude the usage of charters, wholesalers and consolidators.

Capital Choice Consumer Credit and the Points Program Administrator are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which [sic] included exclusions and limitations of liability. Points are not the property of the cardholder, and cannot be bought sold or transferred in any way (including upon death or as part of a domestic relations matter). Points are not redeemable for cash and cannot be offset against the cardholder's obligation to Capital Choice Consumer Credit. The Points Program is a service that may be provided through third party companies. In the event of fraud, abuse of Program privileges or violation of the Program rules (including any attempt to sell, exchange or transfer Points or the instrument exchangeable for Points), Capital Choice Consumer Credit reserves the right to cancel cardholder's membership in the Points program.

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