AT HOME CREDIT CARD
AT HOME MASTERCARDģ
REWARDS PROGRAM TERMS AND CONDITIONS

Terms and Conditions

Subject to the terms and conditions ("Terms") set forth below, you are eligible to receive a reward on purchases made with the At Home Credit Card or the At Home Mastercard Credit Card (each an "Account"). By using your Account, you hereby agree to be bound by these Terms.

Earning Rewards: You will earn five (5) points for each dollar ($1) of Net Purchases made with your Account in At Home store locations. In addition, At Home Mastercard cardholders will earn three (3) points for every dollar ($1) spent in the category of Groceries and one (1) point for every other dollar ($1) in Net Purchases charged to their At Home Mastercard Account at any other participating merchant or service where Mastercard is accepted. "Groceries" are generally merchants identified by their MCC as "Grocery Merchants". The points earned on an eligible purchase is determined by the merchant category code ("MCC") associated with the purchase. An MCC is a four-digit classification code that is assigned to a merchant by the merchantís payment card network or merchant processor based on the predominant business activity of the merchant. The merchantís MCC will determine whether a particular purchase qualifies for the higher point amounts earned for "Groceries" as described above. Neither At Home nor Synchrony Bank assigns or has responsibility for the assignment of MCCs, or evaluates what MCC should be assigned to a particular merchant. Synchrony Bank reserves the right to determine from time to time which MCCs qualify for particular point amounts. "Net Purchases" means purchases of goods and services made by you or any authorized user on your Account minus any returns or refunds. You do not earn points on interest, cash advances, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your Account. Points will be deducted for any returns or credits made on your Account. Points will appear on your monthly statement. From time to time there may be promotional offers for the program, which provide the opportunity to earn additional points as defined by the terms of the promotion.

Earning Restrictions: Points earned are not transferable, have no cash value and may not be used as payment on an Account or for any obligations to At Home or to Synchrony Bank. If there is any abuse of or failure to follow these Terms or any misrepresentation by you, all points shall be forfeited and no additional points shall accumulate. Points from separate Accounts, even having the same address, may not be combined onto one Account. There is no maximum number of points that you can accumulate in the program.

If your Account is in default as described in your Account Agreement ("Agreement"), you may be prohibited from earning points and may forfeit any rewards not already issued in the form of a Rewards Certificate. If your Account is closed for any reason, your membership in the rewards program will be terminated and the total balance of your accumulated reward earnings not issued as a Rewards Certificate will be forfeited. You will also forfeit any accumulated points if the rewards program is terminated. Additionally, any fraud or abuse related to the accrual of points or the issuance of a Rewards Certificate will result in forfeiture of accrued points as well as cancellation of the rewards program on your Account. If your points are forfeited for any reason, they will not be reinstated.

Expiration: Points earned will not expire but Rewards Certificates expire 90 days after the issue date.

Certificate Process: Subject to these Terms, points will accumulate and a $5 rewards certificate ("Rewards Certificate") will be issued for every 500 points earned. Rewards Certificates may be issued in $5, $10, $15 or $20 denominations. A cardholder can receive up to 4 Rewards Certificates per statement month. Any points in a billing cycle which total less than 500 points will be applied toward a Rewards Certificate in a future billing cycle. Within one to two billing cycles after your net points balance equals or exceeds 500 points, you will be issued a Rewards Certificate which will be sent in your billing statement.

Reward Restrictions: Rewards Certificates are only valid for purchases at participating At Home stores. Rewards Certificates are not redeemable for At Home gift cards, gift certificates, any third-party gift cards or cash. Rewards Certificates are not refundable, or transferable for cash, credit, or other rewards under any circumstances. No photocopies or replications will be honored. Additionally, any fraud or abuse related to the redemption of a Rewards Certificate will result in cancellation of membership in the rewards program. Rewards Certificates have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash. Rewards Certificates may not be used as payment on an Account or for any obligations to At Home. Use of any Rewards Certificate shall be subject to additional restrictions, if any, disclosed on the Rewards Certificate itself. Rewards Certificates are invalid after redemption. If the value of a purchase is less than the value of the Rewards Certificates being redeemed, then any remaining Rewards Certificateís balance will be forfeited. Rewards Certificates are valid for 90 days from issue date as set forth on the Rewards Certificate. Rewards Certificates are not "gift certificates" or "gift cards."

Right to Change/Modify/Cancel: The rewards program and benefits are offered by At Home and serviced by Synchrony Bank. At Home reserves the right to cancel, modify, restrict, waive or terminate the rewards program or any aspects or features of the rewards program at any time without prior notice.