BRANCH LOCATIONSArcadia

30 S. First AvenueArcadia, CA 91006(626) 445-8042 Fax

Covina928 N. Citrus Avenue

Covina, CA 91722(626) 605-3874 Fax

Glendora645 S. Lone Hill Avenue

Glendora, CA 91740(626) 605-3873 Fax

BRANCH HOURSMonday - Thursday 9:30 am - 5:00 pm

Friday 9:30 am - 6:00 pmSaturday 9:30 am - 1:30 pm*

*(Covina branch closed on Saturday)

ATM LOCATIONSArcadia BranchCovina Branch

Glendora Branch

Azusa Police Station725 N. Alameda Avenue

Azusa, CA 91702(cash dispensing ATM)

Greater El Monte Hospital1701 Santa Anita Ave,

South El Monte, CA 91733(cash dispensing ATM)

City of Hope Medical Center1500 E. Duarte Road

Duarte, CA 91010

Citrus College1000 W. Foothill Blvd.Glendora, CA 91740

(cash dispensing ATM)

Methodist Hospital300 W. Huntington Drive

Arcadia, CA 91007(cash dispensing ATM)

WEBSITEwww.foothillcu.org

PHONE NUMBER(626) 445-0950

Toll-Free: (866) 995-FFCU (3328)

PHONE CENTER HOURSMonday - Thursday 8:00 am - 5:00 pm

Friday 8:00 am - 6:00 pmSaturday 9:30 am - 1:30 pm

This Credit Union is federally insured by the National Credit Union Adminsitration

REV3/2014

MASTERCARD®

PLATINUM

PLATINUM REWARDS

CREDIT BUILDER

Acceptance, value, and conveniencearound the world

Awards Program Rules

1. For the most current version of the program rules, award options, andpoint requirements, please visit your financial institution’s Web site orcall an awards representative at 877-909-1450.

2. You earn points for qualifying transactions appearing on your statementduring the program period less any credits and plus or minus anyadjustments. Some transaction types may not be eligible for pointaccrual. Contact your financial institution to determine transactioneligibility, eligibility dates, or for special promotions.

3. Errors in the addition or deduction of points can occur and may becorrected by the awards provider or your financial institution at any timewithout notice.

4. Award options and the corresponding points required for redemption,limitations on point accrual, including monthly and/or yearly pointmaximums, point expiration period, and increase or decrease in valueof net point accrual are determined by, and may be modified by, yourfinancial institution at any time. Award redemptions must be made priorto point expiration dates.

5. The awards program is being presented with no express or impliedwarranties or conditions. In particular, there are no express or impliedwarranties including merchant ability and fitness for a particular purposenot specified herein respecting this agreement.

6. Reasonable steps will be taken to prevent the introduction of viruses orother destructive materials to Web sites associated with this program.However, we don’t warrant, guarantee, or make any representationsthat sites will be free of destructive materials or that the sites will beuninterrupted or error-free. We assume no responsibility for any loss ordamage caused by your access or inability to access sites.

7. Program award statements will be available on a periodic basis asdetermined by your financial institution. Statements will normally reflectthe adjusted number of points earned, based on previous balance, netpurchases, and deductions due to redemption activity. Your financialinstitution must be notified of any errors or point discrepancies within 60days of the date when the error occurred.

8. Award points may be redeemed for cash or credit as determined byyour financial institution and may not be used in conjunction withpromotions or discounts offered outside of this program. Your financialinstitution may also limit transferability between accounts andincorporation with other institution programs or offerings. Points have nomonetary value outside the program nor can they be combined ortransferred with or to other loyalty programs.

9. You are responsible for submitting correct information when ordering anaward. Orders requiring correction may be subject to additional fees.

10. Your account must be in good standing (i.e. not delinquent orcanceled, or otherwise not usable for charges) to use awards points.Your financial institution reserves the right to terminate or suspendyour standing in the program or deduct points from your accumulatedtotal if your account is not in good standing. Your financial institutionalso reserves the right to establish point reinstatement procedures andassociated fees as applicable.

11. This program may be changed or terminated at any time withoutnotice, restriction, or penalty. A specified time frame for redemption ofexisting points will be given at the time that a notice of programtermination is given.

12. Any liability for taxes including federal, state, or local income, sales,use, or other taxes or gratuities imposed on an award received fromthis program will be the sole responsibility of the participant receivingthe award and not the financial institution, the awards provider or anyof its affiliates.

13. Errors in publication of awards materials may occur. We reserve theright to correct errors at any time.

14. Contact your financial institution to determine if additional rules applyto your participation in the awards program.

15. This program is available to account holders of specified accounttypes at financial institutions that have contracted with the awardsprovider.

16. This program is void where prohibited by law.

17. Services to administer the program are being provided by, and are theresponsibility of, Loyalty Innovations, an operating division of Travel andTransport, Inc., (the administrator). The financial institution and theawards program provider assume no liability or responsibility for theprovision of, or failure to provide, the respective services being providedby the administrator. The administrator is an independent contractor andis not affiliated with the financial institution. You agree to hold the awardsprogram provider, the administrator, and your financial institutionharmless if the supplier of merchandise or services files for bankruptcyor otherwise goes out of business after you have redeemed your pointsand before you use the item or service. You accept all terms andconditions in the program rules and release and hold the awardsprogram provider, the administrator, and your financial institutionharmless from any claim, liability or damage relating to this program oruse of any program item you receive and neither the awards programprovider, the administrator, nor your financial institution shall be heldliable for any bodily harm, property damage, or injuries incurred whichmay result from participating in the program, or which may result fromthe provision of goods or services by suppliers.

18. Using your account following receipt of these rules constitutesagreement to these rules on your behalf.

Air Travel Awards

1. Air travel and travel-related services may be requested online throughyour financial institution’s Web site or by calling the travel center toll freeat 877-909-1450. Actual travel must take place within 330 days after thereservation is made. Minimum or maximum stays may apply to certain aircategories. Tickets for airline award seats are subject to availability andany terms or conditions imposed by the airline on travel dates specified bythe account holder. Additional travel restrictions may apply at thediscretion of your financial institution.

2. Any errors or discrepancies must be reported to the travel center at 877-909-1450 immediately or at a minimum, within 24 hours from the time ofthe ticket booking. E-mail requests will not be accepted. Any changesmade after the ticket issuance could incur additional fees and/or penalties,jeopardize availability, and cause the fare to increase at the accountholder’s expense except where those errors were made by us andreported by the account holder within the required 24-hour period. Allvoluntary changes at any time are subject to the program rules and couldincur additional fees and/or penalties by the airline and/or the travelcenter. All airline tickets are non-refundable and redemptions are final.Points, credits, and cash refunds will not be issued for any changes orcanceled travel arrangements.

3. Itinerary dates and/or departure/arrival times may be subject to change bythe airline. The account holder may accept changes in the itinerary or theticket may be canceled without penalty and points reinstated.

4. Travel insurance is available for select award types. Account holders areresponsible for any fees associated with the purchase of travel insurance.Please speak to a travel agent at 877-909-1450 for additional details.

5. Tickets may be issued in any name designated by the account holder butthe tickets and/or itinerary will be mailed/e-mailed to the account holderaddress on file with the awards provider within the 50 U.S. states only.

6. Tickets will be issued as e-tickets, either through e-mail or U.S. Mail.Paper tickets are subject to an additional processing and delivery charge.Additional costs, such as rush charges and/or traceable overnight deliveryof awards, are at the account holder’s expense.

7. Round-trip ticket awards must originate from, and return to, the sameairport.

8. International destinations are limited to select cities and are subject tochange upon sixty (60) days advance notice.

9. Account holders may be responsible for paying any government-imposedsecurity fees, airline fuel surcharges, or other airport, airline, and agentfees. Lost, stolen, or otherwise destroyed airline tickets or other travelcertificates will not be honored or replaced. Awards may also be subject tolocal taxes and fees, which are at the account holder’s expense.

How do I earn points?You'll automatically earn points when you useyour Foothill Platinum Rewards MasterCard®.You earn one point for every dollar spent oneligible purchases. Only signature-basedMasterCard transactions will earn points. Wekeep track of all the points you’ve earned andupdate them within two business days. You canopt to receive estatements and view your FoothillRewards account online.

When can I reedeem points?You can redeem points any time and canredeem as few as 3,450 points.

Do my points expire?They’re good for three (3) years from the monththey’re earned. So there’s plenty of time to useyour points.

How do I redeem my points?Redeem points by logging into your Foothillonline banking account at www.foothillcu.org andclicking the “MC Rewards” tab. You can also callour Foothill Rewards Center at 1-877-909-1450.A knowledgeable representative will be ready toanswer any questions, help you redeem yourpoints and provide information about the FoothillRewards Program.

Platinum MasterCard®––a flexible, powerfulcard you’ll use everyday

■ No annual fee■ Low variable interest rate■ 25-day grace period on purchases■ No cash advance fees■ No balance transfer fees

Platinum Rewards MasterCard®––a premiere credit card that rewards youfor using it

Our most popular credit card, that rewards you forusing it! With our Platinum Rewards MasterCard®,you’ll earn one point for every dollar you spend onsignature-based purchases. Once you’veaccumulated enough points, redeem them for giftcards, cash, travel, and so much more.

■ No annual fee■ Low variable interest rate■ 25-day grace period on purchases■ Rewards Program■ No cash advance fees■ No balance transfer fees

Discover the Convenience and Benefits of a Foothill MasterCard® You’ve earned it!Gift CardsRedeem points for gift cards from a wide selectionof restaurants, top retailers of electronics, apparel,sporting goods, music, movies, gasoline, traveland leisure, and many more.

CashWe give you the option to turn your points intocash (redemption starting at $50).

TravelLet your imagination be your guide. Be part of themost flexible Travel Rewards program anywhere.We let you travel your way:

■ Any airline, cruise or car rental■ Any hotel, motel, inn or bed and breakfast■ Any season, any day of the week■ We will cover just about any travel expenses

excluding gas, food or other miscellaneouscharges

Use your points to head for the sun, surf, slopes,or your favorite city’s streets. Since you earnpoints, not air miles, you can travel on most majorairlines with fewer restrictions.

For detailed descriptions of the travel awards andpoints required for each, call the redemptioncenter toll-free at 1-877-909-1450 from 6 am to 6 pm ( PST), Monday through Friday. Althoughthere are no blackout dates, we recommend thatyou book early for holiday travel.

Credit Builder MasterCard®––the perfectway to build or rebuild a solid credit history

■ Secured by your savings account■ Fixed interest rate■ No annual fee■ 25-day grace period on purchases■ No cash advance fees■ No balance transfer fees

All of Our MasterCard® Credit CardsCome With Great Benefits

With Foothill Credit Union’s MasterCard®s, you’llstay one step ahead. All of our MasterCardsoffers great rates, exclusive benefits, and theconvenience you’re looking for:

■ Lost/Stolen Card Reporting ■ Emergency Card Replacement■ Emergency Cash Advances■ MasterCard® Global Services■ Account Information■ Identity Theft Resolution Services ■ Extended Warranty■ Price Protection

To apply for a Foothill MasterCard®call us at (626) 445-0950, ext. 5002or visit www.foothillcu.org

ACCESS YOURREWARDS

www.foothillcu.org or1-877-909-1450