• Your AT&T Universal Cash Rewards Card account ("Card Account") will receive a rebate based upon eligible transactions appearing on your current month's billing statement. Such eligible transactions include purchases, cash advances and balance transfers, which will show cumulatively on your statement as "Cash Rewards Dollars", as long as your Card Account is open and current. (Rebates on cash advances and balance transfers may take up to three billing cycles before they appear on your billing statement.) However, if your Card Account is no longer current, you will not be able to earn or redeem Cash Rewards Dollars. If your Card Account is closed, you will no longer be able to earn or redeem your Cash Rewards Dollars and unless you reopen your Card Account within 90 days of closure, you will forfeit any accumulated Cash Rewards Dollars.

• You will earn 5% on purchases made at supermarkets, drugstores and gas stations, 5% on purchases of eligible AT&T consumer products and/or services and 1% on all other purchases. Supermarkets are defined as stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are stand-alone merchants that primarily sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines. Gas stations are merchants that primarily sell vehicle fuel for consumer use. Consumer AT&T products and/or services must be purchased through an AT&T customer service center or purchased at att.com to qualify for the 5% rebate.

• Purchases not eligible to receive the 5% rebate include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. In addition, online, catalog, mail order and telephone purchases are not eligible to receive a 5% rebate unless the merchants identify the transactions as being made at a supermarket, drug store or gas station. We do not determine whether merchants correctly identify and bill transactions as being made at a supermarket, drugstore or gas station. In addition, we do not determine whether AT&T consumer products and/or services are correctly identified and billed to us as qualifying transactions. However, we do reserve the right to determine which purchases qualify for the 5% rebate.

• You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. Cash advances and cash convenience checks billed at a promotional rate will not receive a rebate unless specified otherwise. You will receive five Cash Rewards Dollars for each individual balance transfer transaction, including individual balance transfer transactions made with balance transfer checks of $1,500 and greater.

• You may accumulate a maximum of 300 Cash Rewards Dollars in any calendar year (eligible transactions appearing on your January - December billing statements).

• As soon as you've earned 50 Cash Rewards Dollars or more, call us at 1-866-676-4672 or visit www.universalcard.com so that we may send you a check for the total accumulated Cash Rewards Dollar amount shown on your monthly billing statement. We cannot issue you a check unless you contact us. Checks cannot be issued for amounts less than $50 unless you've already received checks totaling more than $250. Cardmembers must be registered for Account Online in order to request a check at www.universalcard.com.

• Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, and Card Account fees do not earn a rebate unless otherwise specified.

• You are responsible for any taxes that may be due on checks we may send you for your Cash Rewards Dollar balances. Cash Rewards Dollars have no cash value until such time as you may request and receive a check for your accumulated Cash Rewards Dollars and you shall have no property rights or other legal interest in Cash Rewards Dollars. You may not assign, transfer or pledge your Cash Rewards Dollars.

• We may revise any of these AT&T Universal Cash Rewards Card Terms and Conditions at any time with 30 days prior written notice.