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GAP INC. REWARDS PROGRAM TERMS AND CONDITIONS

Definitions:

  • All holders of Gap Credit Card Accounts or Gap Visa Card Accounts are eligible to participate in the Gap Inc. Rewards Program.
  • All holders of Banana Republic Credit Card Accounts or Banana Republic Visa Card Accounts are eligible to participate in the Gap Inc. Rewards Program.
  • All holders of Old Navy Credit Card Accounts or Old Navy Visa Card Accounts are eligible to participate in the Gap Inc. Rewards Program.
  • All holders of Athleta Credit Card Accounts or Athleta Visa Card Accounts are eligible to participate in the Gap Inc. Rewards Program.
  • All holders of a Gap Inc. Visa Signature Card Account are eligible to participate in the Gap Inc. Rewards program.
  • "Account" means a Gap Account, Gap Visa Card Account, Banana Republic Account, Banana Republic Visa Card Account, Old Navy Account, Old Navy Visa Card Account, Athleta Account, Athleta Visa Card Account or a Gap Inc. Visa Signature Account.
  • The Gap Inc. Rewards Program is collectively referred to herein as the "Rewards Program".

If you participate in the Rewards Program for your Account, you accept the following Rewards Program Terms and Conditions ("Terms and Conditions"):

Qualifying: The Rewards Program applies when you make a purchase using your Account and you meet these requirements: Your Account is: 1) open, 2) in good standing, and 3) not more than 2 payments past due both at the time you earn Reward Points ("Points") and at the time rewards are issued by a Rewards Program ("Reward") and redeemed by you. The Rewards Program does not apply to cash or debit card purchases or to the purchase of Gap, Banana Republic, Old Navy or Athleta products with credit cards other than one of the Accounts. In addition, Points are only earned on the Account used to make the purchase and are not based on the store in which the purchase is made. For example, if you use a Gap Account to purchase Old Navy products, you will earn Points on your Gap Account (and not on an Old Navy Account). If you have more than one Account, you cannot transfer or combine Points between Accounts.

Member Benefits: The Rewards Program provides you with the following benefits:

  • Shop in stores or online at Gap, GapBody, babyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, or Athleta in the U.S., Canada or Puerto Rico or directly with Athleta via phone or mail (each, a "Store Location"). Rewards are not earned for purchases made at Intermix stores or intermixonline.com. For every dollar in net purchases (net purchases are merchandise purchased minus returns and adjustments) charged to your Account at any Store Location, you will earn 5 Points. You will earn 1 Point for every dollar in net purchases made at: (1) other merchants and charged to your Account, or (2) Store Locations outside the U.S., Puerto Rico and Canada that are charged to your Account. Cash advances, interest charges and fees do not qualify for Points. Points will be credited to your Account's Rewards Program balance.
  • For every 500 Points you earn on your Account, you will receive a Reward value of $5 for that Account. Rewards will be issued in increments of $5, with a minimum value of $5 and a maximum value of $50. Rewards will be issued by the same brand as the Account. Multiple Rewards may be issued for an Account; however, no more than $250 in Rewards will be issued in any billing cycle. Any Points in a billing cycle that are either less than the amount required for the lowest denomination of a Reward on the Account or worth more than $250 in Rewards will be applied toward a Reward in a future billing cycle. For example: If you earn 2,700 Points on your Gap Account, you will receive a $25 Gap Reward and 200 Points will carry forward in your Rewards balance for your next billing cycle; if you earn 5,000 Points on your Banana Republic Account, you will receive a $50 Banana Republic Reward; and if you earn 1,500 Points on your Old Navy Account, you will receive a $15 Old Navy Reward.
  • There is no limit to the amount of Points you can earn in a calendar year for an Account. Reward points earned but not used towards the issuance of a Reward will expire 24 months after your last purchase if your Account has been inactive (i.e., there has been no purchase activity on your Account) for 24 months. Rewards will expire as of the expiration date set forth in the issued Reward.
  • Reward(s) will generally be issued on your Account on the billing statement for the period during which you accumulated the required number of Points for a Reward, or in some instances up to 2 billing cycles thereafter.

Rewards Redemption: You can redeem a Reward at a Store Location within the valid dates shown on the Reward by either (i) presenting and surrendering the Reward in store or (ii) providing the Reward code online, via phone or mail. Rewards may only be redeemed at Store Locations towards purchases charged to your Account. You can redeem up to 3 Rewards on a single item purchased in store or via mail, and up to 5 Rewards online or via phone. Rewards can be combined with any one promotional offer, and they can be used to purchase items on sale at any Store Location. Rewards may not be redeemed at Intermix stores or intermixonline.com. When redeeming your Reward, the value of your purchase must be greater than the value of the Reward(s). Rewards cannot be credited to an account, redeemed for cash or cash equivalent, applied to past purchases, or used for purchasing gift cards. If you return merchandise purchased with Reward(s), the dollar value of the Reward(s) allocated to item(s) returned will be converted to Reward Points and credited to your Account within the next 2 billing cycles. If you did not use your Account, or if your Account is closed, the dollar value of the Reward(s) allocated to the item(s) returned shall not be refunded or credited. Returns are subject to Store Location Return/Exchange policies. Additional restrictions may also apply as stated on your Reward. Employees of Gap Inc. cannot combine Rewards with their employee merchandise discount.

General Terms for Using Rewards: Rewards are not transferable to anyone else and may only be used by you for your personal benefit. You cannot combine your benefits with the benefits accrued by any other Rewards Program participant. Rewards are not "gift certificates" and are not intended for gift-giving purposes. Points and Rewards have no cash value and are purely promotional. Rewards cannot be used retroactively for prior purchases. Unless and until you complete the Program Terms and Conditions by presenting the Rewards at a Store Location, you do not have any right, title, or interest in your Points or the Rewards. We are not responsible for lost or stolen Rewards.

Gap Silver, Banana Republic Luxe and Navyist by Old Navy Accounts: Select Accounts may also be upgraded to a Gap, Inc. Visa Signature Account at the discretion of Bank. Gap, Inc. Visa Signature Accounts will earn the benefits listed above (as a Gap Silver, Banana Republic Luxe or Navyist by Old Navy Account), plus additional benefits that will be communicated to the cardholder at the time of upgrade (such additional benefits may include additional points earned for purchases, additional birthday bonuses and select benefits provided by Visa, USA).

Visa Signature Accounts: Select Accounts may also be upgraded to a Gap, Inc. Visa Signature Account at the discretion of Bank. Gap, Inc. Visa Signature Accounts will earn the benefits listed above (as a Gap Silver, Banana Republic Luxe or Navyist by Old Navy Account), plus additional benefits that will be communicated to the cardholder at the time of upgrade (such additional benefits may include additional points earned for purchases, additional birthday bonuses and select benefits provided by Visa, USA).

Removal From or Modification/Termination of Rewards Program: We reserve the right to remove any person from the Rewards Program in the event of any fraud or abuse in connection with this Program. We reserve the right to change or terminate the Rewards Program at any time and in any manner without notice.

NO WARRANTY: GAP INC., SYNCHRONY BANK AND EACH SUCH COMPANY'S RESPECTIVE SUBSIDIARIES, DIVISIONS, AND AFFILIATE ENTITIES, ALONG WITH EACH SUCH COMPANY'S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS 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 REWARDS PROGRAM OR ANY PRODUCTS OR SERVICES RELATED TO SUCH PROGRAM.

RELEASE OF LIABILITY: YOU RELEASE GAP INC., SYNCHRONY BANK AND EACH SUCH COMPANY'S RESPECTIVE SUBSIDIARIES, DIVISIONS, AND AFFILIATE ENTITIES, ALONG WITH EACH SUCH COMPANY'S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS FROM AND AGAINST ANY AND ALL LIABILITY RELATING TO YOUR MEMBERSHIP OR PARTICIPATION IN THE REWARDS PROGRAM OR THESE TERMS AND CONDITIONS.

Complete Agreement: These Terms and Conditions, together with your Agreement (including, without limitation the "Governing Law" and "Dispute and Claim Resolution (including Arbitration) Provision" sections of the Agreement), make up the entire agreement between us relating to the Rewards Program, and replace any prior understandings or agreements (whether oral or written) regarding the Rewards Program. The Rewards Program is provided by Gap Inc. and serviced by Synchrony Bank.

2-17-2017