Rewards by Access Loyalty Program Terms and Conditions by Access Bank (Ghana) Plc

1. 1.0
   TERMS AND CONDITIONS
2. 1.1
   The following terms & conditions as provided in this Agreement apply to the Access Rewards and Loyalty Program provided by Access Bank (Ghana) PLC.
3. 1.2
   These Terms will become effective when the cardholder opens or joins the Access Rewards and Loyalty Program provided by Access Bank (Ghana) PLC loyalty program.
4. 1.3
   The cardholder must read these Terms carefully as they are a binding agreement between him/her and Access Bank (Ghana) PLC. The cardholder must contact Access Bank (Ghana) PLC if he/she does not understand any part of these Terms and Conditions.
5. 1.4
   By participating in the Access Rewards and Loyalty Program the cardholder acknowledges that he/she has read, understood, and agree to these Terms, as amended from time to time.

1. 2.0
   DEFINITIONS
2. In this document the following words shall have the meanings set out hereunder:
3. 2.1
   “Agreement” - the terms and conditions between Access Bank (Ghana) PLC and members of the Access Rewards and Loyalty Program.
4. 2.2
   “The Bank” – Access Bank (Ghana) PLC
5. 2.3
   “ATM” – Automatic Teller Machine with which a card is used to transact
6. 2.4
   “Card” – Debit, Prepaid or Credit card issued by Access Bank (Ghana) PLC
7. 2.5
   “Cardholder” – Person to whom a card was issued by Access Bank (Ghana) PLC
8. 2.6
   Card Transaction – Payments/Purchases
9. 2.7
   “Member” – Participant of the Access Rewards and Loyalty Program.
10. 2.8
    “Market Place” – Where members can view their points, redeem or purchase items from merchants.
11. 2.9
    “Merchant” - An establishment/business enrolled on the Access Rewards and Loyalty marketplace. They include, but not be limited to, stores, shops restaurants, hotels or airline organisations.
12. 2.10
    “The Program/ Loyalty Program” - The Access Rewards and Loyalty Program.
13. 2.11
    “Points” - Loyalty points gained based on the usage of the Card.
14. 2.12
    “Qualifying card transactions” – POS and Online card transactions through which customers may earn reward points, subject to applicable terms and conditions.
15. 2.13
    “Refund/Reversal/Chargeback” - A transaction that is wholly or partially reversed, disputed, refunded by a Merchant, or charged back through card scheme processes, whether initiated by the Cardholder, Merchant, or the Bank.

1. 3.0
   INTRODUCTION
2. 3.1
   The Access Rewards and Loyalty Program is available to all Debit and Credit Cardholders of Access Bank (Ghana) PLC. Access Bank (Ghana) PLC acts as a facilitator of the Loyalty Program
3. 3.2
   All Merchant terms and conditions applicable to the products and services of participating Merchants shall apply.
4. 3.3
   This Agreement may also be subject to any other card-related written agreement between the Bank and the Cardholder.
5. 3.4
   This Agreement is also subject to and shall be read in conjunction with, the Bank's General Terms & Conditions, as well all other terms & conditions governing the Bank's Card Products and Access Bank (Ghana) PLC internet/mobile banking available as amended from time to time, and any other products and services offered by the Bank, and the Bank's Privacy Policy.
6. 3.5
   Participation of a Cardholder in the Loyalty Program is voluntary.
7. 3.6
   A User will not be eligible for the Loyalty Program if the Bank, in its sole discretion, determine that:

   • a)
     The User's Account is blocked, suspended, terminated, or closed.
   • b)
     The User is facing legal action(s) pertaining to Fraud or Money Laundering where the user and his/her account are involved.
   • c)
     Any of the User's accounts with the Bank are delinquent or unsatisfactorily operated.
   • d)
     The User is in breach of this Agreement or any other applicable Bank Terms and Conditions or agreements with the Bank.

1. 4.0
   ABOUT THE PROGRAM
2. 4.1
   The Loyalty Program operates on a Points Build Up reward where Reward Points are awarded based on:

   • a)
     qualifying purchases made with the Bank’s Debit, Prepaid or Credit Card.
   • b)
     Meeting required conditions
3. 4.2
   Members are tiered based on their card holding type or transacting patterns.
4. 4.3
   If a member is disqualified from the Loyalty Program, all unused Rewards Points will be canceled.

1. 5.0
   POINT STRUCTURE
2. 5.1
   Points are awarded for every qualifying card transaction made upon meeting a minimum spend volume. This volume is mainly dependent on the card type, and the nature of campaign being run.
3. 5.2
   Points will be awarded only after the transactions have been successful. That is, points will not be rewarded on transactions that are pending, failed, unsubmitted or disputed, reversed, refunded or charged back.
4. 5.3
   Not limited to, points will also NOT be awarded for ATM withdrawals, cash advance, suspected fraudulent transactions or fraudulent transactions.
5. 5.4
   The Bank reserves the right to alter the dynamics on Reward Points and redemption at its sole discretion.
6. 5.5
   The value of Reward Points may vary from time to time, or with campaign type.
7. 5.6
   Rewards Points for qualifying transactions will be credited to the Cardholder's account on the following business day after the transaction is processed.
8. 5.7
   Rewards points gained on transactions that are subsequently reversed, refunded, disputed or charged back will be debited from the Cardholder's Reward Points balance.
9. 5.8
   The Bank shall not be obligated to apply historical Reward Points structures, conversion rates, or campaign terms when processing reversals, refunds, disputes, or chargebacks of Reward Points.
10. 5.9
    Reward Points are non-transferable from member to member
11. 5.10
    Members of the Program can transfer their Reward Points to Businesses/Merchants that also ran loyalty and reward programs, on condition that these Businesses/Merchants are in partnership with Access Bank (Ghana) PLC or GIIFT (Our Loyalty Partner)
12. 5.11
    Reward Points earned by the Cardholder under the Loyalty Program offered by the Bank are only for redemption as provided in this Agreement and shall therefore not be interpreted as deposits with the Bank or form part of member(s) personal assets or estate.

1. 6.0
   REDEMPTION DYNAMICS
2. 6.1
   Reward points can be redeemed on Rewards by Access Loyalty marketplace. This can be accessed on the Bank’s official website and/or mobile app.
3. 6.2
   Redemption requires having the required number of Reward Points in your account. Insufficient Points will result in the rejection of redemption requests.
4. 6.3
   Post redemptions alerts will be sent to members via mail and or SMS. Transaction details would also be made available on the members’ Access Reward & Loyalty dashboard.

1. 7.0
   REFUNDS AND REVERSALS
2. 7.1
   No refunds will be given on Vouchers or gift cards that have either been cancelled or not unutilized by the customer.
3. 7.2
   All goods or services paid for with Rewards Points but could not be processed due to technical errors would be investigated. Points will be reversed if in favor of the card holder.
4. 7.3
   Wrongly allocated points can be reversed by the Bank. Wrongly allocated points that have been redeemed before the reversal shall be debited from the Cardholder's Reward points balance and recovered from subsequent or actual reward points.
5. 7.4
   Points earned on transactions that are later refunded, reversed, or charged back shall be reversed by the Bank.
6. 7.5
   Where such Reward Points have already been redeemed, the Bank reserves the right to:

   • •
     Recover the equivalent points from future earnings, or
   • •
     Debit existing Reward Points balance, or
   • •
     Restrict redemption until recovery is completed.
7. 7.6
   In cases of repeated reversals, abuse, or suspected manipulation of the Loyalty Program, the Bank reserves the right to suspend or terminate a member's participation in the Program.
8. 7.7
   Any reversal, refund, adjustment, or re-calculation of Reward Points (including points debited or credited as a result of refunds, reversals, disputes, or chargebacks) shall be processed using the Reward Points structure, value, tier, and conversion rate applicable at the time the reversal is effected, and not necessarily the structure that was in place at the time the original transaction occurred.

1. 8.0
   EXPIRATION
2. 8.1
   Reward Points will be valid for a period of twenty-four (24) months from the date they are earned by a member after which they shall expire.
3. 8.2
   Reward Points are unredeemable after Card cancellation or card block.
4. 8.3
   Expired Points cannot be redeemed.
5. 8.4
   Points will automatically expire with customer account closure, dormancy or inactivity.

1. 9.0
   EXCLUSION OF LIABILITY
2. 9.1
   The Bank is not liable for the quality or performance of points-purchased items provided by participating Merchants.
3. 9.2
   The Bank is not responsible and shall accept no liability whatsoever for lost or stolen Vouchers, E-Vouchers, Gift Cards, or Rewards.
4. 9.3
   The Bank is not responsible for and shall accept no liability with respect to any errors related to Merchant’s processing of Rewards, system or software malfunctions or related issues, any fraud perpetrated on the member while in the process of redeeming Reward Points and any other situation that may compromise the member’s ability to redeem Reward Points.
5. 9.4
   The Bank is not responsible for and shall not accept no liability with respect to claim(s) pertaining but not limited to loss, fraud, personal information and privacy breaches, that may be encountered by a member’s access to Merchant sites.

1. 10.0
   GENERAL
2. The Bank reserves the right to at any time:
3. 10.1
   Terminate the Loyalty Program (in such an event the Bank shall provide notice to the Cardholder prior to such termination with direction to the Cardholder on how the Bank will deal with Reward Points)
4. 10.2
   Vary the terms of the Loyalty Program from time to time.
5. 10.3
   The Bank may vary these Terms from time to time without notice to member(s). Member(s) will, however, be notified of material amendments through the Bank’s Channels including the loyalty platform’s website.
6. 10.4
   Should a member or members not agree to the changes, the member(s) must opt out of the Loyalty program. Otherwise, the Bank shall assume that the new Terms have been read, understood and agreed to.