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Reward Dollars may not be used as payment of any outstanding obligations to the Bank or its affiliates.Reward Dollars Certificates may only be issued if your Account is Current.Reward Dollars Certificates are only redeemable for merchandise at or through U. Crate and Barrel, CB2, or The Land of Nod brand catalogs, stores, and mobile sites. Other capitalized words not specifically defined have the same meaning as in your Agreement.In these Terms, "you" and "your" mean the Account holder. You will be automatically enrolled in the Program when the Bank opens your Account.There is no maximum number of Reward Dollars that may be earned per billing cycle or year.Reward Dollars will automatically redeem for Reward Dollars Certificates when the threshold (subject to change, without notice) is met."Net New Purchases" means purchases of goods and/or services made by you or any Authorized User on your Account minus any returns, refunds or credit adjustments, rounded to the nearest dollar.Reward Dollars awarded for purchases that are returned or refunded or otherwise adjusted will be deducted from your Reward Dollars total.

In the event a return, refund, or credit adjustment results in insufficient Reward Dollars for Reward Dollars Certificate(s), future Reward Dollars earnings will be applied to the balance until such time as sufficient Reward Dollars are earned to cover the issuance of the Reward Dollars Certificate(s).We may from time to time make special offers for you to earn additional Reward Dollars on specific purchases.The terms and conditions for such special offers (such as which purchases qualify and the number of additional Reward Dollars you may earn) will be disclosed at the time of offer.Once Reward Dollars expire, they may not be redeemed.You will also forfeit your unused and unexpired Reward Dollars if you attempt to violate the prohibitions on the transfer of Reward Dollars, if you file for bankruptcy, or if the Bank or you close your Account for any reason.

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