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GOOD NEWS ABOUT YOUR CREDIT CARD – WE’RE UPGRADING!

BankCard Services is always working to improve your experience. We are making
improvements to allow you more flexibility and convenience in how to use and
access your reward points, an updated statement and website design, and even
greater fraud protection.


IMPORTANT INFORMATION AND IMPROVEMENT HIGHLIGHTS

Your credit card number will not change and will still be usable as we make
improvements.
Reward points will continue to build during this time of improvement but will
not be viewable online.
All accumulated reward points will be viewable through BankCardCenter.net after
improvements are complete.
Benefit from unique card numbers on joint accounts that provides added security.
Card alerts and electronic statements will be discontinued during improvement
time and you will need to re-establish them through BankCardCenter.net.
The updated statement design allows you to quickly review your account activity.

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HOW TO CONTACT US

If you have any questions during this time of improvement, please call
Cardholder Services at 800-445-9272 Monday- through Friday, 8:00 am -to 7:00 pm,
and Saturday, 8:00 am until noon Central standard timeCST.


NEW AND IMPROVED WEBSITE AND CARD CONTROLS



Along with our new statement, we’ve made keeping up with your credit card
account even easier! Do more with your credit card on BankCardCenter.net – view
statements, make one-time credit card payments, schedule future and recurring
credit card payments, view activity, set-up credit card alerts, and access
rewards!


FREQUENTLY ASKED QUESTIONS

ADDITIONAL INFORMATION

There are ten credit card information questions. Use tab to navigate to each
question and hit enter to receive the answer.
Will my card information change?

No, your card information will not change and you can continue to use your card.
We are simply changing processors. You will need to re-establish a few things
through BankCardCenter.net, so please continue reading these FAQs or scroll up
to review the Important Information and Improvement Highlights section. As
always, we’re available by phone at 800-445-9272.

Is my card number changing?

No. Your current card number will not change during this upgrade. Please note –
At the time of a card reissue, the primary cardholder will retain the existing
card number and other cardholders will receive a new, unique card number. In the
event your account needs a card replacement, due to loss or fraud, each customer
on the account will receive a new card number. All activity will appear on one
statement for billing purposes. Having separate card numbers will lessen future
inconvenience should one of your cards need to be replaced. This does not
pertain to business credit cards.

Is my card expiration date changing?

No. It will remain the same.

Will my payment due date change?

No. Your payment date will remain the same.

Can I still use EZCardInfo.com?

After all improvements are complete, access to this site will no longer be
available. Enjoy more functionality by accessing BankCardCenter.net to register
and manage your account. Please note that Internet Explorer browsers will not
support BankCardCenter.net.

Do I need to update any recurring payments from my card, such as utility bills?

No. Recurring payments you have set up will continue without interruption. This
is possible because your credit card information and number will not change
during this time of enhancement.

I had previously enrolled in credit card alerts; do I need to enroll again?

Yes. After improvements are complete, log in to BankCardCenter.net to set up
your alerts once again. Click the drop-down “I want to…”, select “Manage
Alerts.” Alerts are divided into the following categories: Transaction Activity
Alerts, Account Activity Alerts, and General Account Information Alerts.

Will the new credit card alerts be real-time?

Yes. Any transaction triggering one or more of the ‘rules’ you have in place,
will generate an alert to you immediately.

Where can I find past electronic statements after this upgrade?

All electronic statement copies are available on BankCardCenter.net until
improvements are finalized. If you foresee needing past statements for any
reason, we suggest you download them now. Statement requests after that date can
be made by calling 800-445-9272. Requests may be subject to a fee. This fee can
be found in your Cardholder Agreement.

How will I access my electronic statements going forward?

On BankCardCenter.net, access your statements by clicking the “I want to…” menu,
and choosing “View Statements” on the drop down.

REWARDS

There are nine rewards questions. Use tab to navigate to each question and hit
enter to receive the answer
Will I continue to earn points during the enhancement time period?

Yes, you will continue to earn points during this time of improvement. You will
not be able to see or access these points until after the improvements are
complete, when we automatically add the points to your account balance. After
all improvements are finished, points will accrue and be available on a daily
basis.

How do I access my rewards after improvements are made?

Once improvements are complete, you will log in to BankCardCenter.net. The first
time you do so, you will have to set up a new username and password. Once inside
the BankCardCenter.net site, you can easily link over to the new rewards
website!

Will I retain my current rewards point balance?

Yes. Unredeemed reward points will automatically transfer from the current
rewards website to the new rewards website.

Will the expiration date of reward points change?

No. Points will continue to expire five (5) years at month-end, from the month
you earned them. For example, points awarded in May of 2021, will expire May 30,
2026.

How do I earn rewards?

Reward points are awarded for qualifying purchase transactions made with your
credit card. Points earned will vary based on credit card and merchant category.

What options do I have for point redemption?

We offer multiple options for point redemption including cash back, gift cards,
merchandise, and travel.

Who can redeem points?

Only the primary accountholder may redeem points, unless the primary
accountholder appoints an authorized redeemer.

How can I add an authorized point redeemer?

Please contact Rewards Customer Support at 855-575-4638 for assistance.

If I redeem points for a statement credit, is a minimum payment still required?

Yes. Statement credits lower your account balance, but do not cover the minimum
payment required.