* Required Field

Orange Bank & Trust’s Executive Business Credit Card

Business Information

Business Name *

DBA Name

Existing Orange Bank Account Number *

Referred By *

Address Line 1*

Address Line 2

City *

State *

Zip Code*

Industry Code *

Type of Organization *

EIN or Tax ID *

Year Founded *

State of Formation *

Number of Employees*

Website

New York law requires that we ask if a business applicant is a minority-owned business or a women-owned business. New York law also requires us to ask business applicants for their principal owners’ ethnicity and race.

Applicants are not required to provide this information but are encouraged to do so. We collect this information to help ensure that all applicants are treated fairly and that communities’ business credit needs are being fulfilled. Employees and officers making determinations concerning an application, such as loan officers and underwriters, may have access to the information provided on this form. However, we cannot discriminate on the basis of minority-owned business status, women-owned business status, or a principal owner’s ethnicity race, or sex. Additionally, we cannot discriminate on the basis of whether an applicant provides this information

Minority-owned business status

For purposes of this form, an applicant is a minority-owned business if more than 50 percent of the ownership or control of the business is held by one or more minority individuals.

A minority individual is a natural person who is American Indian or Alaska Native, Asian, Black or African American, Native Hawaiian or Other Pacific Islander, or Hispanic or Latino. A multi- racial or multi-ethnic individual is a minority individual for this purpose.

Is this applicant a minority-owned business?

Yes No I do not wish to provide this information

Whether or not this is a minority Owned Business is required

Women-owned business status

For purposes of this form, an applicant is a women- owned business if more than 50 percent of the ownership or control of the business is held by one or more women.

Is this applicant a women-owned business?

Yes No I do not wish to provide this information

Whether or not this is a women Owned Business is required

Number of principal owners

For purposes of this form, a principal owner is any natural person who owns 25 percent or more of the equity interest of a business. An applicant might not have any principal owners if, for example, it is not directly owned by any natural persons (i.e., if it is owned by another entity or entities) or if no natural person directly owns at least 25 percent of the business.

How many principal owners does the applicant have?

Principal Ownership

Principal Owner 1

Another Owner Add Another Principal Owner

Is the Business filing for Joint Credit? *

Yes No

Is the Business filing for Joint Credit? is required

Has the Business or any principal ever borrowed from or been a guarantor at this bank? *

Yes No

Has the Business or any principal ever borrowed from or been a guarantor at this bank? is required

Is the business or any principal currently a guarantor on any obligation at another financial institution? *

Yes No

Is the business or any principal currently a guarantor on any obligation at another financial institution? is required

Please include debt schedule*

Accepted formats: .pages, .doc, .docx, or .pdf

Select files from your computer
or simply drag & drop them here

Is the Business a party to any claim, lawsuit or legal action? (Please select “N/A” if Not Applicable) *

Yes No N/A

Is the Business a party to any claim, lawsuit or legal action? (Please select “N/A” if Not Applicable) is required

Describe *

Has the business ever declared bankruptcy? (Please select “N/A” if Not Applicable) *

Yes No N/A

Has the business ever declared bankruptcy? (Please select “N/A” if Not Applicable) is required

Describe *

Chapter*

Date of Filing*

Have you previously provided Orange Bank with your last 3 years of Business Tax returns? *

Yes No

Have you previously provided Orange Bank with your last 3 years of Business Tax returns? is required

Please attach last 3 years Business Tax Returns*

Accepted formats: .pages, .doc, .docx, or .pdf

Select files from your computer
or simply drag & drop them here

*Failure to provide these required documents can result in your application being denied and/or delay the approval process.

Personal Information

First Name *

Middle Initial

Last Name *

Social Security Number or Business Tax ID #*

Date of Birth*

*Note: Social Security OR Business Tax ID # & Date of Birth are for security questions only and the cardholder must know this information to activate the card. Orange Bank does NOT run a Credit Report on employee card(s).

Contact Information

Phone Number *

Email Address *

Address Line 1*

Address Line 2

City *

State *

Zip Code*

Background

Employer *

Job Title *

# of Years with Company *

Income Type

Is this person filing for Joint Credit with another person or business? *

Yes No

Is this person filing for Joint Credit? is required

Has this person ever declared bankruptcy? (Please select “N/A” if Not Applicable) *

Yes No N/A

Has the business ever declared bankruptcy? (Please select “N/A” if Not Applicable) is required

Describe *

Chapter*

Date of Filing*

Is this person a party to any claim, lawsuit or legal action? (Please select “N/A” if Not Applicable) *

Yes No N/A

Is this person a party to any claim, lawsuit or legal action? (Please select “N/A” if Not Applicable) is required

Describe *

Have you previously provided Orange Bank with your last 3 years of Personal Tax returns? *

Yes No

Have you previously provided Orange Bank with your last 3 years of Personal Tax returns? is required

Please attach last 3 years Personal Tax Returns*

Accepted formats: .pages, .doc, .docx, or .pdf

Select files from your computer
or simply drag & drop them here

*Failure to provide these required documents can result in your application being denied and/or delay the approval process.

In the Last 6 Months have you provided Orange Bank with a Personal Financial Statement? *

Yes No

In the Last 6 Months have you provided Orange Bank with a Personal Financial Statement? is required

Please fill out this document and upload*

Accepted formats: .pages, .doc, .docx, or .pdf

Select files from your computer
or simply drag & drop them here

*Failure to provide these required documents can result in your application being denied and/or delay the approval process.

Credit Card Information

Anticipated Monthly Spending or Credit Limit Requested *

Minimum Amount $10,000 - Maximum Amount $250,000

Borrower *

Guarantor

First Name *

Middle Initial

Last Name *

Co-Borrower

First Name *

Middle Initial

Last Name *

Beneficiary Certification

I, hereby certify, to the best of my knowledge, that the information provided on the original Certification of Beneficial Ownership of Legal Entity Customers at our account opening is correct and complete for the legal entity listed below:

Name of Legal Entity *

Tax Identification Number *

Signature *

Clear Signature

Date *

Additional Cards - Employee Setup Form

Authorized User 1

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 2

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 3

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 4

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 5

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 6

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 7

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 8

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 9

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 10

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 11

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 12

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 13

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 14

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 15

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 16

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 17

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 18

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 19

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 20

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 21

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 22

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 23

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 24

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 25

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 26

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 27

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 28

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 29

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 30

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 31

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 32

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 33

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 34

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 35

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 36

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 37

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 38

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 39

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 40

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 41

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 42

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 43

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 44

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 45

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 46

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 47

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 48

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 49

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Another Card Add Additional Card

Authorized User 50

Employee Last Name *

Employee First Name *

Department

Card Limit *

Name as it will appear on Card *

Maximum of 21 Characters

Email Address *

Where Statement notification will be emailed

Phone Number *

This is the number the cardholder must call from to activate the card. We may also contact the employee at this number if questions come up regarding their purchases.

Address Line 1 *

Address Line 2

City *

State *

Zip Code *

Where card will be physically mailed

Social Security # or Business Tax ID # *

Date of Birth*

Admin Controls on Online Banking *

Yes No

Admin Controls on Online Banking is required

Access to Redeem Rewards Points *

Yes No

Access to Redeem Rewards Points is required

Additional Info or Comments

Questions/Comments

Privacy Statement

Privacy Policy Agree By checking this box, you agree that, by providing your email address and phone number, Orange Bank & Trust may contact you at the email address and phone number you provide with information about our products and services. For information about how we protect your privacy, please see our Privacy Policy. *

Please read the Privacy Policy in order to agree.

Electronic Service Agreement

Agree By checking this box, you agree that you have read and consent to the Electronic Service Agreement, It also gives you the right to receive the information in paper, to withdraw your consent at any time, and to update your e-mail. Agreeing is required

Please read the Electronic Service Agreement in order to agree.

Executive Business Credit Card Cardholder Agreement and Disclosures

Expand Terms

Orange Bank & Trust Company

Executive Business Credit Card Terms and Conditions

The following Application Disclosures apply to new Orange Bank & Trust Executive Business Credit Cards and are provided as required by law.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Orange Bank & Trust Executive Business Credit Card:: Your APR is 21.25% and will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	24.99% This APR may be applied to Your account if You: Make a late payment; Go over Your credit limit twice in a six month period; Make a payment that is returned; or Do any of the above on another account that you have with us. How Long Will The Penalty APR Apply?: If Your APRs are increased for any of these reasons, the Penalty APR will apply until You make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	The Outstanding Balance is due and payable 25 days after the close of each periodic billing statement. We will not charge You any interest on purchases if You pay Your Outstanding Balance by the Payment Due Date each month.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Orange Bank & Trust Executive Business Credit Card:: Your APR is 21.25% and will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

24.99%

This APR may be applied to Your account if You:

Make a late payment;
Go over Your credit limit twice in a six month period;
Make a payment that is returned; or
Do any of the above on another account that you have with us.

How Long Will The Penalty APR Apply?: If Your APRs are increased for any of these reasons, the Penalty APR will apply until You make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

The Outstanding Balance is due and payable 25 days after the close of each periodic billing statement. We will not charge You any interest on purchases if You pay Your Outstanding Balance by the Payment Due Date each month.

Fees
Annual Fee	$0 or $95 annually. Introductory annual fee is $0 for the first 12 months. See “Orange Bank & Trust Executive Business Credit Card Cardholder Agreement” for more information.
Transaction Fees	Foreign Transaction: 1% of transaction in U.S. dollars
Penalty Fees	Late Payment: Up to $25.00 Returned Payment: Up to $35.00 Over the Credit Limit: Up to $35.00

Fees

Annual Fee

$0 or $95 annually.

Introductory annual fee is $0 for the first 12 months. See “Orange Bank & Trust Executive Business Credit Card Cardholder Agreement” for more information.

Transaction Fees

Foreign Transaction: 1% of transaction in U.S. dollars

Penalty Fees

Late Payment: Up to $25.00

Returned Payment: Up to $35.00

Over the Credit Limit: Up to $35.00

Effective Date: Variable APRs are based on the Prime Rate as of July 26 2023 and is subject to change after this date. Contact Orange Bank & Trust Company for current rates.

How We Will Calculate Your Balance: We use a method called “Average Daily Balance” (excluding new purchases). The interest charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR) by 365 or 366 (leap year) and applying to the Average Daily Balance. To get the Average Daily Balance, We take the beginning balance of Your account each day, subtract any payments, credits, non-accruing fees, and unpaid interest charges. We do not add in any new purchases. This give Us the daily balance. Then We add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. To avoid incurring an interest charge on the balance of purchases reflected on Your monthly statement and on any new purchases appearing on Your next monthly statement, You must pay the Outstanding balance shown on Your monthly statement on or before the Payment Due Date. The grace period for the Outstanding Balance of purchases extends to the Payment Due Date.

Billing Rights: Refer to the “Orange Bank & Trust Executive Credit Card Cardholder Agreement” for details on your billing error rights.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinancial.gov/learnmore

Specific State Information

New York State Residents: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rate, fees and grace periods. New York State Department of Financial Service: 1-877-226-5697 or https://www.dfs.ny.gov.

Orange Bank & Trust Company
EXECUTIVE BUSINESS CREDIT CARD CARDHOLDER AGREEMENT

EXECUTIVE BUSINESS CREDIT CARD CARDHOLDER AGREEMENT AND DISCLOSURE

In this Agreement, “We” “Us“ ”Our” and “Bank” means Orange Bank & Trust Company. “You” “Your” and “Joint Account Holder” “Cardholder” means the business and each person who signs an application for, or otherwise requests, a Credit Card account with Us. “Authorized User” means employees of the business or any other individual You authorize to use the Account. “Account” means Your Credit Card account with Us to which the Card(s) are linked. “Card” means each Credit Card linked to the Account that We have issued to You. “Agreement” means this Agreement.

“Purchase(s)” means a purchase of goods and/or services from participating merchants who accept Mastercard®. “Transaction” means any amount of credit obtained under Your Account for Purchases. “Outstanding Balance” means the total dollar amount of Your obligation under this Agreement for all Transactions, fees, and any other costs due at the end of each statement cycle. “Payment Due Date” is the date Your Outstanding Balance must be paid by, as set forth on Your billing statement. “Fees” is defined in the section caption “Fees and Charges”. “Credit Limit” is defined in the section captioned “Credit Limit”.

ACCEPTANCE OF AGREEMENT

You accept to this Agreement if, You do not cancel Your Card after receiving it or, You sign and keep the Card. Equally, in the same manner, when You activate the Card and use the Account You agree to the terms of the Agreement.

AMENDMENT OF AGREEMENT

To the extent allowed by law, We may change the terms of this Agreement from time to time, regardless of whether You have access to Your Account, by adding, deleting, or modifying any provision (an “Amendment”). Once amended, any reference to Your “Agreement” will mean the Agreement as modified by the Amendment. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and any other terms including, for example, the nature, extent, and enforcement of the rights and obligations You or We may have relating to this Agreement.

The Amendment will become effective on the effective date stated in the notice. Use of Your Card after receiving notice of a change will further evidence Your agreement to the change. If permitted by law and unless otherwise specified in the notice to You, the change will apply to Your Outstanding Balance as Well as to future Transactions. If You give Us written notice that You do not agree to the change, We will terminate Your Account and You will be permitted to pay the Outstanding Balance as of the effective date under the terms of the Agreement governing Your Account at the time Our notice was given. If You use Your Card after the effective date of the Amendment, You will be considered to have agreed to the new terms even if You have sent Us such written notice.

RESPONSIBILITY

By applying for or using the Card, You accept, agree to, and are bound by this Agreement. You promise to do everything this Agreement requires of You and You promise to pay all amounts due on Your Account. Your obligation to pay the Outstanding Balance continues even though an agreement, divorce decree or other court judgment to which We are not a party may direct You or one of the other persons responsible to pay the Account. You agree to pay each and all of the interest, fees and charges described in this Agreement.

USING THE CARD

You understand that the use of Your Card will constitute acknowledgment of receipt and Agreement to the terms of this Agreement. To make a Purchase You and any Authorized User(s) may use the Card by presenting it to a participating Mastercard merchant or provide the Card information for Purchases not made in person.You agree that Your Account will be used exclusively for business, commercial agricultural or organization purposes and not for personal, family or household purposes.

CREDIT LIMIT

We will establish a revolving line of credit for You and will notify You of the Credit Limit when We issue the Card. If You exceed Your Credit Limit, You are responsible to pay the Outstanding Balance. We do not give up any of Our rights under this agreement and We can require that You immediately pay to Us any amount in excess of Your Credit Limit.

At Our sole discretion, We may wait to restore Your Credit Limit until We have collected the funds You have submitted to Us in payment. We may refuse to make a Transaction (without prior notice) at any time for any reason not prohibited by law. We are not responsible for any losses if a Transaction is declined for any reason, either by Us or someone else, even if You have credit availability.

ANNUAL PERCENTAGE RATES (“APR”) AND INTEREST CHARGES

How to Avoid Paying Interest on Purchases: Your Payment Due Date is at least 25 days after the close of each billing cycle. We will not charge You interest on Purchases if You pay Your Outstanding balance by the due date each billing cycle.

APRs. We use APRs to calculate interest charges on Your Account.

Variable APRs Your Account is subject to a Variable Rate. Your Annual Percentage Rate (APR) may change each billing cycle. We use the Prime Rate from the rates section of The Wall Street Journal (“WSJ”). WSJ Prime Rate is published on the closing date of the billing cycle. WSJ may not publish the Prime Rate on that day. If it does not, We will use the Prime Rate from the previous day it was published. If the WSJ is no longer published, We may use the Prime rate from any other newspaper of general circulation in the State of New York. If the Prime Rate increase, variable APRs will increase. The APR will never be more than the rate ceiling allowed by New York State Law.

Penalty APR for existing balances and new Transaction (90 days or more past due): Penalty APR 24.99%. If We have not received Your Outstanding Balance payment within 90 days after its due date, We may apply the Penalty APR to both the existing balances and new Transactions. If You make Your next 6 consecutive Outstanding Balance payments on time, We will stop applying the Penalty APR to existing balances and new Transactions. If You do not make Your next 6 consecutive Outstanding Balance payments on time, the penalty APR may continue to apply indefinitely to existing balances and new Transactions.

Interest Calculation: We Use a method called “Average Daily Balance” (excluding new Purchases). The Interest Charge Calculation Method applicable to Your Account for credit Purchases of goods and services that You obtain through the use of Your Card is specified and explained below:

Purchases: Average Daily Balance (excluding new Purchases). The interest charges for a billing cycle are computed by dividing the Annual Percentage Rate (APR) by 365 or 366 (leap year) and applying to the Average Daily Balance. To get the Average Daily Balance, We take the beginning balance of Your Account each day, subtract any payments, credits, nonaccruing fees, and unpaid interest charges. We do not add in any new Purchases. This give Us the daily balance. Then We add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. To avoid incurring an interest charge on the balance of Purchases reflected on Your monthly statement and on any new Purchases appearing on Your next monthly statement, You must pay the Outstanding balance shown on Your monthly statements on or before the Payment Due Date. The grace period for the Outstanding Balance of Purchases extends to the Payment Due Date.

Grace Period on Purchases: You will not pay interest on Purchases if You pay the Outstanding balance by the Payment Due Date. If Your payment is not received by the Payment Due Date, interest will be calculated for existing and new Purchases using the Average Daily Balance method.

MONTHLY PAYMENT

We will send You a billing statement every month showing Your previous balances of Purchases, Transactions and, any other fees, the remaining credit available under Your credit limit, the new balances of Purchases, the total new balance, the finance charges due to date on Your Account. You must pay the Outstanding Balance no later than the Payment Due Date shown on Your billing statement to avoid a Late Payment Fee and interest charges. We will also add any past due amount, including any Late Payment Fees to Your Outstanding Balance. For Your payment to be considered on time, the payment must be received by the Payment Due Date shown on Your monthly billing statement. Each billing statement will state the time and manner Your payment must be completed to receive credit. Your billing statement will also state Your Closing Date which is about 30 days after the previous billing statement Closing Date.

Partial Payments: Your Account will be considered in default if a partial payment is received by the Payment Due Date. The Outstanding Balance is due no later than the Payment Due Date to maintain Your Account in good standing.

AUTOMATIC PAYMENT SERVICE

If You request to have Your Card payment made automatically, Your payment will be made 25 days after the billing statement print date. If the Payment Due Date falls on a Weekend or holiday, the payment will be made the next processing day. Payments will be based on the ending balance from the previous month’s billing statement. If You wish to cancel this service, Your autopay amount will pull as scheduled for the current due date. The cancellation will take effect with the next billing statement cycle when the new Outstanding Balance is calculated.

HOW TO MAKE A PAYMENT

Your bill is the statement of Your Account. You must pay Your Credit Card bill in a manner that meets all the following conditions:

You must pay in U.S. Dollars,
Your payment must be drawn on a U.S. deposit Account,
You must not attach any restrictive language to Your payment,
You must not pay from a credit Account that We provide You, such as a check drawn on any Credit Card account that You have with Us,
Electronic payments must be made through Our online banking website,
If You make a payment in a paper form (like a check, money order, or cashier’s check), You must include the payment coupon from Your statement OR write Credit Card Account number on the payment.

In addition:

If We decide in Our discretion to accept a form of payment that does not meet these standard payment instructions, We do not waive Our rights to continue to require payments that comply with these instructions.
If We decide in Our discretion to accept a payment that You make to Us in a foreign currency, We will choose the conversion rate.

RETURNS AND ADJUSTMENTS

Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending Us a credit, which We will post to Your Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit balance against future Purchases, or if it is one dollar ($1) or more, refund it on Your written request or automatically after 6 months.

FEES AND CHARGES

Late Payment Fee: Up to $25.00. You must pay the Outstanding Balance no later than the Payment Due Date shown on Your billing statement to avoid a Late Payment Fee. If We do not receive the Outstanding Balance by the Payment Due Date, the Late Payment Fee is $25.00. We add the Late Payment Fee to Your Purchase balance. However, the late fee will not exceed the Outstanding Balance.

Returned Payment Fee: A Returned payment is a payment You make to Us that is not honored by Your financial institution. We will charge You a returned item fee whenever Your payment is returned to Us for insufficient funds or any other reason. You must pay a returned item fee of $35.00 We will add the charge to Your Purchase balance as of the date the payment is returned.

Over The Credit Limit Fee:: If Your Outstanding Balance exceeds Your Credit Limit, You must pay a $35.00 Over The Credit Limit Fee.

Foreign Transactions: Any Purchases that You make in foreign countries and/or foreign currencies, i.e. not U.S dollars, will be billed to You in U.S. dollars. The conversion into dollars will be made in accordance with the operating rules for international Transactions established by Mastercard and may occur on a date other than the date of the Transaction; therefore, the currency conversion rate may be different than the rate in effect at the time of the Transaction. We do not determine the currency conversion rate that is used nor do we receive any portion of the currency conversion rate. You agree to pay the converted amount. The exchange rate to dollars will be a rate that is in effect for the applicable central processing date and is selected either from the range of rates available in wholesale currency markets; or the government mandated rate. A Foreign Transaction Fee of one percent (1%) of the Transaction amount will be assessed and will be shown independently of the Transaction on Your billing statement.

Annual Fee: Your Card has an annual fee of ninety five dollars ($95). Your annual fee may be charged approximately once per year. Your Account terms include a $0 introductory fee. We may charge Your first $95 annual membership fee when the introductory period ends. Your introductory period ends one year (12 months) after You activate Your Card or use the Account, whichever is first.

Expedited Card Fee: Your Card has an annual fee of ninety five dollars ($95). Your annual fee may be charged approximately once per year. Your Account terms include a $0 introductory fee. We may charge Your first $95 annual membership fee when the introductory period ends. Your introductory period ends one year (12 months) after You activate Your Card or use the Account, whichever is first.

Administrative Fees: We may charge You for copies of billing statements, sales drafts or other records or for special services You request. We will not charge You for copies of documents you request for a billing dispute You assert against Us under applicable law. These charges may change from time to time and will be added to Your Purchase balance as of the date of the request.

FEE LIMITATIONS

We will not charge You a Late Payment Fee or Returned Check Fee that exceeds the amount of the associated payment or check. For example, if Your Outstanding Balance is $20 and You make a late payment, You will be charged a $20 Late Payment Fee.

INDIVIDUAL AND COMPANY LIABILITY

If You are in default, You agree to be personally responsible, both individually and jointly with the business, for payment of all balances incurred on all Cards and Accounts issued pursuant to this application now or whenever such additional Accounts may be established in the future.

ABOUT DEFAULT

STATUTORY LIEN AND SECURITY INTEREST

If You are in default on any financial obligation, federal law permits Us to enforce a statutory lien and security interest on all accounts in which You have an ownership interest by transferring funds from these accounts to satisfy Your obligations. We may also restrict access to these accounts.

This security interest does not apply to the extent it otherwise violates federal law, to any Individual Retirement Account, or any other account that would lose special tax treatment under state or federal law if given as security.

We may consider Your Account to be in default if:

You fail to make any minimum payment within 25 days of Your statement date;
You fail to live up to the terms and conditions of this Agreement;
Your creditworthiness is impaired;
You die, become insolvent, or are the subject of Bankruptcy or receivership proceedings;
You have made a misrepresentation in connection with the Card application and/ or this Agreement, or;
You are in default under another agreement You have with Us or an affiliate.

If You are in default, We have the right to terminate this Agreement and demand immediate payment of Your full Outstanding balance, subject to Us giving You any notice required by federal law and applicable state law. We may also: suspend Your ability to make charges, cancel or suspended any feature on Your Account, require You to pay the Payment Due immediately; or require You to pay Your Account balance immediately. To the extent permitted by law, You will also be required to pay Our collection expenses, including court costs and reasonable attorney fees.

STATEMENTS

We will send You a statement at the end of each billing period if at that point You have a credit or debit on the Account equal to more than $1. In Our discretion, We may choose to send You a statement even if You do not have a credit or debit of $1 or more. We may not send You a bill, however, if We have decided Your Account is uncollectible or if We have sent the Account for collection proceedings against You.

Your statement will tell You the total Outstanding Balance that You owe to Us as of the end of the last billing statement. It will also tell You the Payment Due Date. In addition, the monthly billing statement will identify the merchant, electronic terminal or financial institution at which Transactions were made, but sales, credit, or any other slips cannot be returned with the statement.

You should retain the copy of such slips furnished at the time of the Transaction in order to verify the monthly billing statement.

Closing date: The closing date is the last day of the billing cycle; all Transactions received after the closing date will appear on Your next statement.

Annual Fee: If an annual fee is applicable to Your Account, You may avoid paying the annual fee by sending a written notification of termination within 30 days following the mailing date of Your bill, to the address found at the top of the first page of Your bill. You may use Your Card(s) during this 30 days period but immediately thereafter must send Your Card(s), which You have cut in half, to this same address.

Sending You Notices

We will mail You notices through U.S. postal mail to the latest billing address on Our records. Notice sent to anyone of You will be considered notice to all.

Additional Important Information

HOW TO UPDATE YOUR RECORDS

It is Your responsibility to provide Us with true, accurate and complete email address, contact, and other information related to this Disclosure and Your Account(s), and to maintain and update promptly any changes in this information. You can update information such as Our email address by telephone at 1-845-3415000 or or toll free 1-888-341-5100 or, by postal mail at Orange Bank and Trust Company, 212 Dolson Avenue Middletown, NY 10940. To ensure the security of Your Account(s), any changes to a mailing address will require written authorization from You, by completing the Customer Information Change Form, which can be obtained by calling 1-845341-5000 or toll free 1-888-341-5100 and mailing the completed Customer Information Change Form to the address above or bringing it to one of Our Banking Centers.

AUTHORIZED USER

Additional Cards for employees (“Authorized User”) may be issued at Your request. You and any Joint Account holder are responsible for all Transactions made by Authorized Users. An Authorized User does not have an Account with Us and will not be responsible for paying the balance due on Your Account. You are responsible for sharing this Agreement with all Authorized User(s) that may be subjected to the terms of this Agreement. You are responsible for all use of Your Account by Authorized User(s) or anyone whom You have deemed to have authorization by (a) lending Your Card to, or allowing Account access by another person; (b) any other way In which You would be legally considered to have allowed another person to use Your Account or to be legally prevented from denying that You did. You cannot disclaim Your responsibility for these charges by notifying Us.

You authorize Us to share information about the Account with Your Authorized User(s). To remove or cancel an Authorized User right to use the Card You or the Authorized User must notify Us. You can write to Us at the address or call Us at the telephone number shown on Your billing statement and return all Cards to Us, We may close Your Account for new transactions.

REPLACEMENT OF CARDHOLDER

We must be notified if any Cardholder is no longer an employee or an officer of the business or no longer want to be a Cardholder. In this case, the Account must be closed and all Cardholder(s) will remain responsible for the payment of the Outstanding Balance. The business will have the option of submitting a new application for credit to establish a new Account.

LIABILITY FOR UNAUTHORIZED USE

You may be liable for unauthorized Use of Your Card. You must notify Us immediately of the loss, theft, or unauthorized Use of Your Card, in writing at: Orange Bank and Trust Company, 212 Dolson Avenue Middletown, NY 10940 or orally at 1-845341- 5000 or toll free 1-888-341-5100. You will not be liable for unauthorized use that occurs if You notify Us immediately of the loss, theft, or unauthorized use. For business Accounts in which less than ten Cards have been issued, Your liability for unauthorized use of a Card will not exceed $50. If ten or more Cards are issued for use by employees of the business, there is no limit to Your liability for unauthorized use that occurs before You notify Us as provided herein.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells You about Your rights and Our responsibilities under the Fair Card Billing Act

What To Do If You Think You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at:

Orange Bank & Trust Company
212 Dolson Avenue
Middletown, NY 10940
You may also contact via email at cards@orangebanktrust.com.

In your letter, give us the following information:

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of Problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on Your statement.
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question.

While We investigate whether or not there has been an error, the following are true:

We cannot try to collect the amount in question, or report You as delinquent on that amount.
The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. But, if We determine that We made a mistake, You will not have to pay the amount in question or any interest or other fees related to that amount.
While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
We can apply any unpaid amount against Your credit limit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If You are dissatisfied with the goods or services that you have purchased with Your Credit Card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the Purchase.

To use this right, all of the following must be true:

The Purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the Purchase price must have been more than $50. (Note: Neither of these is necessary if Your Purchase was based on an advertisement We mailed to You, or if We own the company that sold You the goods or services.)
You must have used Your Credit Card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card Account do not qualify.
You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with the Purchase

Orange Bank & Trust Company
212 Dolson Avenue
Middletown, NY 10940
You may also contact via email at cards@orangebanktrust.com.

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that point, if We think You owe an amount and You do not pay We may report You as delinquent.

BLOCKING CARDS AND/OR REFUSAL TO AUTHORIZE TRANSACTIONS

We may block this Card due to the appearance of unusual spending behaviors or block transactions originating in certain domestic or international regions where there is a high volume of fraud.

CANCELLING OR SUSPENDING YOUR ACCOUNT

We may cancel Your Account; suspend the ability to make payments; suspend the ability to make Purchases, cancel or suspend any feature on Your Account; or notify merchants that Your Account has been cancelled or suspended. If We do any of these, You must still pay Us for all charges under the terms of this Agreement. We may do any of these things at Our discretion, even if You pay on time and Your Account is not in default.

If Your Account is cancelled, You must destroy Your Cards. If We do this, We may reinstate any additional Cards issued on Your Account; charge You any applicable annual fees; and charge You a fee for reinstating the Account.

CLOSING YOUR ACCOUNT

You may close Your Account by calling Us or writing to Us. If an Annual Fee applies, We will refund this fee if You notify Us that You are voluntarily closing Your Account within 30 days of the closing date of the billing statement on which that fee appears.

If the Account is closed 30 days after the annual fee has been applied, the annual fee is non-refundable.

UCHOOSE® REWARDS POINTS

You may review the Terms and Conditions of the uChoose® Rewards Points in a separate agreement document online at www.orangebanktrust.com/business-credit-cards/

CREDIT REVIEW AND RELEASE OF INFORMATION

You authorize Orange Bank & Trust Company to investigate and evaluate Your Business and Personal credit standing when opening or reviewing Your Account and agree to immediately notify Us should there be any adverse change in Your credit or financial condition. You further agree that the information You provide to Us on Your application may be re-investigated or re-evaluated at any time.

We may request updated credit bureau reports and may or may not ask You to provide annual financial statements, tax returns, or other credit- related information. You authorize Orange Bank & Trust Company to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your standing.

SEVERABILITY

If any term of this Agreement is to any extent invalid, illegal, or incapable of being enforced, such term shall be excluded to the extent of such invalidity, illegality, or unenforceability; all other terms hereof shall remain in full force and effect.

ENFORCEMENT

You agree to be liable to Orange Bank & Trust Company for any liability, loss, or expense as provided in this Agreement that the Bank incurs as a result of any dispute involving Your Accounts or the services. You authorize Orange Bank & Trust Company to deduct any such liability, loss, or expense from Your Account without prior notice to You.

In the event either party brings a legal action to enforce the Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collections actions, if applicable.

PRIVACY ACT NOTICE

We send Our Privacy Policy when You open Your Account. You may view a copy of Our Privacy Policy by visiting Us www.orangebanktrust.com/privacy-policy/

Our Privacy Policy summarizes:

The personal information We collect,
How We protect Your personal information confidentiality and security;
When it may be shared with others; and
How You can limit our sharing of this information.

NO WAIVER

We can delay enforcing any of Our rights any number of times without losing them.

GOVERNING LAW

This Agreement is made in New York and shall be governed by the laws of the State of New York to the extent that New York law is not inconsistent with controlling Federal law.

New York's choice of law rules shall not be applied if that would result in the application of non-New York Law.

ILLEGAL USE OF FINANCIAL SERVICES

Any financial service provided by the Bank may be used for any Transaction permitted by law. You agree that illegal use of any financial service will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at Our discretion. You further agree, should illegal use occur, to waive the right to sue Us for such illegal activity directly or indirectly related to it. You also agree to indemnify and hold the Bank harmless from any suits or other legal action or liability, directly or indirectly, including Bank expenses associated with defense of such law suits or other legal action, including attorney fees, resulting from such illegal use.

WE MAY CONTACT YOU

You agree that We, and Authorized Parties (affiliates, agents, contractors, services providers), debt collections agencies may contact You via calls, text message, email or, any other methods of communications not prohibited by law, even if You may be charged for it. If We need to service Your Account or collect amounts You owe Us, We may contact You at any phone number or email address You have provided Us.

You must notify Us if Your contact information has changed. You agree that Authorized Parties may record and monitor any calls between You and the Authorized Parties. If You no longer wish to be contacted by phone, You must notify Us via writing to the address on the “Contact Us” section. The written notice must include: Your name and the business name, last four of the Account number and, all specific phone number(s) which You would like to cancel Your consent to be contacted via phone.

You may contact Us in writing at: Orange Bank & Trust Company, 212 Dolson Avenue, Middletown, NY 10940, via email: cards@orangebanktrust.com or by phone at 1-845-341- 5000 or toll free 1-888-341-5100, unless We notify You otherwise.

NEW YORK STATE RESIDENTS

New York State resident may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rate, fees and grace periods. New York State Department of Financial Service: 1-877-226-5697 or http://www.dfs.ny.gov.

INTEGRATED DOCUMENTS

Any separate sheet of paper, which is delivered to You with this Agreement, is an integrated part of this Agreement and Disclosure.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated

Orange Bank & Trust Company
EXECUTIVE BUSINESS CREDIT CARD ADDITIONAL DISCLOSURES

NOTIFICATION OF THE RIGHT TO REQUEST REASON FOR CREDIT DENIAL

If Your application for business credit is denied, You have the right to a written statement of the specific reasons for the denial. To obtain the statement, please contact Your Orange Bank & Trust Company Loan Officer or call 845-341-5000 within 60 days from the date You are notified of Our decision. We will send You a written statement of reasons for the denial within 30 days of receiving Your request for the statement.

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is Federal Reserve Consumer Help Center PO Box 1200, Minneapolis, MN 55480, (888) 851-1920.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that on personal accounts identifies each person who opens an account. In addition, on Legal Entity accounts, We will require identification on beneficial owners and one individual that has significant managerial responsibility for the Legal Entity.

What this means for You: When You open an account we will ask for Your name, address, date of birth, identification number (social security number or employer identification number), non US tax payer identification number and other information that will allow us to identify You. We will also ask to see Your driver’s license or other identifying documents.

A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement.

What happens if the information requested is not provided or the identity can’t be verified? You may not be able to open an account or carry out Transactions. If the account is already opened, We may have to close it.

Orange Bank & Trust Company
uChoose® Rewards Points Terms and Conditions
Executive Business Credit Card

Welcome to the uChoose Rewards® Program. If You participate in the uChoose Rewards Program, You agree to the following uChoose terms and conditions (“Terms and Conditions”). These Terms and Conditions are the agreement between Fiserv Solutions, LLC, as the operator and administrator of the uChoose Rewards Program on behalf of Orange Bank & Trust Company, and You for Your participation in the uChoose Rewards Program. These Terms and Conditions relate only to the uChoose Rewards Program as offered by Operator on behalf of Orange Bank & Trust Company. Your Account agreement provided by Orange Bank & Trust Company, which is a separate document, outlines the terms and conditions for your Account and associated card that You have with Orange Bank & Trust Company.

Definitions

In the uChoose Rewards Program, these terms have the following meanings:

"Account" refers to an Executive business credit card account opened at Orange Bank & Trust Company.
"We," "Our," or "Operator" means Fiserv Solutions, LLC, the operator and administrator of the Program and its subcontractors.
"Program" or "uChoose Rewards Program" means the program that allows Participants to earn and redeem points for rewards.
"Rewards Points Account" means the account that tracks points earned by the Participant.
"You," "Your," or "Participant" means the individual(s) who is using the Executive business charge credit card of an Orange Bank & Trust Company to obtain points that qualify for rewards.

Eligibility

Eligibility is subject at all times to the discretion of Orange Bank & Trust Company. Participants must have an active and open Account with Orange Bank & Trust Company to participating in the Program, which may include charging or usage privileges.
Eligibility is restricted to Participants that have an Account statement mailing address within the 50 United States, the District of Columbia, United States territories, or United States military address (such as APO).
This Program is available to your Executive Business Credit Card, provided you remain in good standing with Orange Bank & Trust Company.

Program Administration

Orange Bank & Trust Company reserves the right to cancel or temporarily suspend the Program at any time without advance notice, which may result in the cancellation of outstanding points. Orange Bank & Trust Company has the right to change the Program without advance notice to You.
Orange Bank & Trust Company and Fiserv Solutions, LLC each have the right to monitor all Rewards Point Account activity. Orange Bank & Trust Company and its 3rd Party each reserves the right to cancel any Program membership in the event of fraud, abuse of program privileges, or violation of the Program rules; including any attempt to sell, exchange, or transfer points, or any instrument exchangeable for points. If You have conducted any fraudulent activity, Orange Bank & Trust Company and Fiserv Solutions, LLC reserves the right to take any necessary legal action and may have grounds to confiscate any rewards redeemed as a result of such activity. In addition, You may be liable for monetary losses to Orange Bank & Trust Company and Fiserv Solutions, LLC, including litigation costs and damages and you will not be allowed to participate in the Program in the future.
We may, at any time and without prior notice, (i) change, limit or terminate any aspect of the Program, or

(ii) update, amend or terminate these Terms and Conditions in whole or in part. Changes may affect outstanding transactions and points.

Point Accrual

You will earn 1 point for every dollar spent on qualifying net purchase (purchases less returns) as designated by Orange Bank & Trust Company. Orange Bank & Trust Company determines the points earning rate for all transactions and when points begin to accrue. No retroactive points will accrue.

Returns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also reversed from that sale.

20,000 Bonus Points will be rewarded when you spend $2,000.00 in qualifying net purchases (purchases less returns) as designated by Orange Bank & Trust Company within the first three months from the approval date.

Returns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also reversed from that sale.

Exchanges also make purchases from participating retailers made through www.uchooserewards.com ineligible for rewards, as when merchandise is exchanged, the merchant cancels the order and replaces it with a new one. Since the new order was not made through the program website points cannot be tracked. Because of this, the retailer will not pass the points to uChoose Rewards which means uChoose Rewards cannot access the points to put in your account.

To avoid losing your rebate on exchanges, please make sure all returns are final. Once your refund is credited to your card, place the order again through the uChoose Rewards website to be sure you receive points on your purchase.
Transactions from lost, canceled, or stolen credit cards; or fraudulent purchases will not earn points.
Participants will not earn points if the Account has been closed, whether closed by Participant or Orange Bank & Trust Company. Once the Account is closed, points will not be credited and points will be immediately forfeited and cannot be redeemed. Orange Bank & Trust Company will determine what constitutes a closed Account.
The Program is based on net purchases only and does not include cash advances, balance transfers, or wire transfers. It also does not include any fees posted to your Account, including (but not limited to) late fees, over limit fees, and finance charges.
Rewards Points earned during a calendar month are posted to the Participant's Rewards Points Account by the 1st day of the following month; provided, however, in the event a qualified Purchase in a month has not completed posting to your Account as of the last day of such month then we may delay posting the corresponding Rewards Points to your Rewards Points Account until the 1st day of the second (2nd) calendar month following the month in which the Purchase was made. Qualifying Purchases that have not been cleared or posted to a Participant's Rewards Points Account are not eligible for redemption.
Dollar and cents amounts will be rounded down to the nearest whole dollar amount when calculating points earned.
Point balances are available for view online.
Points cannot be transferred from one Rewards Point Account to another Rewards Point Account.
Points from multiple Accounts may be pooled together at the discretion of Orange Bank & Trust Company.
Points may not be assigned, transferred and/or pledged to any third party. Participant has no property rights or other legal interests in points.
Participant is responsible for any personal tax liability that may be related to participation in the Program.
If your Rewards Point Account does not represent the correct number of points that you should have been awarded, Orange Bank & Trust Company and Fiserv Solutions, LLC reserves the right to adjust your point balance. If you have been awarded points in error or if you believe your Rewards Point Account has been the subject of any suspicious activity, please contact the Orange Bank & Trust Company or Fiserv Solutions, LLC immediately using the "Contact Us" feature of the Program website.
If you believe that you have made purchases that should have resulted in the addition of Rewards to your accumulated Rewards balance, and you see that the Rewards have not been reflected within thirty (30) days of your purchase, please contact us within ninety days of the date of such purchase and we will investigate the situation. (If you wait longer than ninety (90) days, your ability to claim the Rewards will be considered waived.)

Redeeming Points

No cash refunds or partial awards will be issued upon redemption of points.
Program points may not be used with any other discount or coupon offer.
All points must be redeemed using either (i) the Program website located at www.uChooseRewards.com, or (ii) through the third-party participating merchants in the Pay with Points program.
If you have questions about the Program, those questions can be sent to the Orange Bank & Trust Company and Fiserv Solutions, LLC using the "Contact Us" feature of the Program website or emailing us directly at cards@orangebanktrust.com
Points will be redeemable only if your Rewards Points Account is open and in good standing.
The Participant must redeem points, but another person may use the ticket(s) or rewards. The Participant is responsible for any tax liability or other charges related to participation in the Program or redemption of points, and for payment of any taxes or charges. Examples of such charges include without limitation, baggage charges, departure taxes, or other charges that may have been assessed by government entities.
Orange Bank & Trust Company reserves the right to disqualify any Participant from participating in the Program and to invalidate all points for abuse, fraud, or any violation of the Program Terms and Conditions.
Orange Bank & Trust Company and Fiserv Solutions, LLC and suppliers are not responsible for the replacement of lost, stolen, or damaged documents awarded for the redemption of points.
Orange Bank & Trust Company reserves the right to pass on any processing and/or surcharge fees that may be incurred on the rewards.

Miscellaneous

You acknowledge and agree that as part of the Program certain rewards information about You and Your Rewards Points Account may be provided to merchants and other parties involved in the Program and Your transactions and that you consent to this sharing. You acknowledge and agree that Orange Bank & Trust Company and Fiserv Solutions, LLC has no control over and liability for any use of such

information by those third parties.
Orange Bank & Trust Company and Fiserv Solutions, LLC has no liability for disagreements regarding points. Orange Bank & Trust Company decisions regarding points and point discrepancies will be final.
You agree to comply with all applicable laws, rules, statutes, ordinances, and regulations in connection with Your participation in the Program and Your use of goods and services.
NONE OF OPERATOR OR THE SUPPLIER OF ANY REWARDS (INCLUDING EACH OF THEIR AGENTS, AFFILIATES OR EMPLOYEES) (TOGETHER, "PROVIDERS") MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIS PROGRAM AND THE WEBSITE, AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, PRODUCTS, SERVICES AND/OR OPERATION OF THE PROGRAM OR THE WEBSITE ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS WEBSITE AND THE PROGRAM IS AT YOUR SOLE RISK. PROVIDERS EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE PROGRAM AND THE WEBSITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ON THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.
TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE THROUGH THE PROGRAM DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE BY OPERATOR OR THE PROVIDERS.
THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT >CONTRACTORS AND ARE NOT AGENTS OF OPERATOR. OPERATOR IS NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, MISSED CONNECTION, SUBSTITUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY OPERATOR'S SUPPLIERS.
THE PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THE PROGRAM OR THE WEBSITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THE PROGRAM OR THE WEBSITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY PROVIDERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
You agree to indemnify, defend, hold harmless, and release the Providers and any merchants participating in the rewards, including any rewards that, after receipt, may be lost, stolen, or destroyed, from any claims, liabilities, obligations, actions, or damages (including reasonable attorneys fees) arising out of any breach of the Program, these Terms and Conditions, or any terms provided to you by Orange Bank & Trust Company in connection with the Program, by You or by anyone using the Program or Your points, Rewards Point Account, or other Accounts. All participating merchants are in no way affiliated with or responsible for the Program administration.
If any of these Terms and Conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.
The Program and these Terms and Conditions are subject to the laws of the State of New York, without any reference to its choice of law provisions.

Other Terms and Conditions

There are additional terms and conditions associated with the Program and the redemption of rewards points for merchandise, travel, event tickets, activities and gift cards. Visit the Program website located at www.uChooseRewards.com to view the details of those redemption options and their associated terms and conditions. Additionally, the Pay with Points feature of the Program involves certain participating third-party e-commerce merchants that will accept your rewards points under the Program through such merchant's own reward redemption programs. Your use of reward points at these participating merchants through Pay with Points is also subject to the terms and conditions of such participating merchants. Visit the Program website located at www.uChooseRewards.com to view the participating merchants in Pay with Points and their associated website links where you can find terms and conditions for the participating Pay with Point merchants.

You also acknowledge and agree to comply with the Privacy Notice found at www.uChooseRewards.com

Transactions from lost, canceled, stolen or temporary credit or debit cards; or fraudulent purchases will not earn points.

Merchandise Terms & Conditions

Merchandise orders cannot be canceled once they have been placed through the uChoose Rewards website. Instead, those orders must be returned upon arrival. Please see the Merchandise Return Policies & Process, below, for more information. Merchandise cannot be shipped to PO Boxes.

Merchandise prices include shipping and handling. Shipping and handling prices are determined at the time of selection and vary based on the number of items in your purchase as well as your selection of standard or expedited shipping speeds.

When you order merchandise, the physical address selected for delivery must match the address provided to Fiserv Solutions, LLC by Orange Bank & Trust Company. In the event you attempt to select an alternative address for your proposed order that does not match the address we have received from Orange Bank & Trust Company we will deny your order request. Please contact Orange Bank & Trust Company if you would like to place any orders and send to an alternative address so that you can update the address on file.

Merchandise Return Policies & Process

Most new, unopened items returned within 30 days of shipment can be returned for either a replacement item or a refund of points. If you've received an incorrect or defective item, you can choose to receive the correct functioning merchandise or a full refund of your points including shipping and handling. Restocking fees in addition to shipping and handling fees may be applied on items returned that are not damaged or the wrong item. This would be deducted from the amount of points refunded to your account for a return. There are some exceptions where returns are not allowed:

Hazardous items that are gas-powered or contain flammable liquids
Computer laptops and desktops more than 14 days after delivery
Any product missing the serial number or UPC
Gift cards/certificates
Gourmet gift baskets

Also, items that are opened, used or shipped more than 30 days ago may not be eligible for an exchange or refund.

Return Process

Contact the Online Returns Center
1. You will need either your order confirmation or shipping document to provide certain
  
  information like order number, item number and item name. Providing all requested information will expedite processing.
2. Click here for UChoose Merchandise Support to access the return request email. Complete requested information and click submit.
3. You will receive an acknowledgement email within one business day that your request has been received.
4. Within three business days you will receive an email validating if the item is eligible for return and providing you with return instructions including any applicable shipping labels.
Return Merchandise
1. Return labels must be used for all exchange and refunds within the time frame designated (usually 10 calendar days); once the label expires the item is no longer eligible for return.
2. Each return mailing label is coded for a specific shipment and specific items; please do not include items from other orders, or other items and/or shipment from the same order, in the same box, or you will not receive the correct refund.
3. For special items that require a pickup by UPS, a “call-tag” will be issued. UPS will attempt a pickup at the address on the order during the next 3 business days. No specific time can be provided for the pickup as this is dependent upon the UPS route in the area.
4. If specialty carrier is required for large items, the carrier will call the phone number on the order to arrange a pickup date and time.
5. Return labels, call tags and carrier pick-ups are valid only for returns shipped within the U.S.
Receive Points within 4 weeks after merchandise is received by the rewards center.
1. Eligible UChoose Points will be deposited back to the participant's account.
  1. Email notification will be sent once points have been deposited to your account.
  2. Validate your points return on your UChoose Points Detail page of the UChoose Website (www.uChooseRewards.com)
Replacement items are typically shipped within 4 weeks of the merchandise being received by the rewards center.
1. All shipping addresses must be within the U.S. and cannot be P.O. boxes.
2. If the item is unavailable a refund of UChoose Points will be created.
  1. Eligible UChoose Points will be deposited back to the participant's account.
  2. Email notification will be sent once points have been deposited to your account. iii.Validate your points return on your UChoose Points Detail page of the UChoose

Website (www.uChooseRewards.com)

Return Guidelines

Some product lines have special restrictions or return policies. Review the table below to understand the returns policy for the various product lines.

Books Computer Games DVDs Electronic Music Videos Video Games Software	These items must be unopened and still in their plastic wrap unless the item is damaged or defective upon opening of the item's packaging.
Large Screen TV delivered by freight carrier	Inspect your television carefully for damage while the shipper is still present. If you discover any damage, please refuse delivery and the shipper will remove the TV and your order will be worked for a refund. Do not sign the shipper's release form unless you have inspected the TV for damages. All cabling or additional installation is your responsibility. Your signature on the carriers delivery receipt acknowledges that you understand the return policy. If you accept delivery and later find out that the television is not working properly, please review package enclosures to see if the problem is covered by a manufacturer's in-home service warranty. If you are unable to locate warranty information for a particular model, contact the manufacturer.
Outdoor Living Tools & Hardware Kitchen	These items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item's packaging. For safety reasons, items that use flammable liquids or gases cannot be returned. Please contact the manufacturer directly for service, warranty, return, and refund information.
Apparel	These items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item's packaging. It must be in its original condition with all tags and packaging intact.
Gourmet Food	We cannot accept returns on gourmet food items including candy, gift baskets, or any other food items.
Health & Personal Care	Items must be unopened and in new condition. We cannot accept returns of products that have special shipping restrictions imposed by the U.S. Department of Transportation.
Jewelry & Accessories	These items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item's packaging.
Computers	Computers which have been opened are subject to a 15% restocking fee to be deducted from the total amount the customer is refunded. Computers may not be returned more than 14 days from the date of delivery.

Please Note:

If you do not use the Online Returns Center and choose to work directly with the merchant, the Online Returns Center will not be able to assist you.
Merchant direct returns only allow exchanges; return for uChoose Rewards Points will not be an option.
Online Returns Center provides a traceable, insured return method for high value items. If you choose to work directly with the merchant, we recommend using a traceable U.S.P.S. or UPS shipping method and insure any items valued more than $500. Shipping costs including insurance will be at the participant's expense.

Backordered Items

Items which are on back order for more than sixty (60) days may be cancelled due to unavailability; a full refund of points will be processed for the item(s) cancelled.

Travel Terms & Conditions

All redemptions from the Travel section are final. We are unable to process refunds, exchanges or cancellations.

Flights Non-refundable and non-transferable

Hotels & Other Travel Products Non-refundable and non-transferable

Booking Windows: Bookings are subject to advance purchase booking windows. The online booking tool will not allow searches within the advance purchase booking window. Advance purchase requirements are as follows:
- Flights: 5 Day Advance Required
- Hotels: 5 Day Advance Required
- Cars: 7 Day Advance Required
Flights
All airline purchases are non-refundable and non-transferable.
Should you have any questions, contact the airline (operator) directly. All reservations must be made in the exact name of each person traveling. U.S. billing and delivery address, if applicable, are

required. It is the customer's responsibility to review the final amount of reservation prior to ending the booking and making a purchase.
When you place travel redemption orders, the email address or physical address, as applicable, must match the email address or physical address provided to us by your financial institution. In the event you select an alternative email address or physical address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to place redemption orders and send to an alternative address.
You can book up to 8 seats within one transaction; however, there must be more Adult tickets than Children tickets (i.e., 5 Adults and 3 Children).

VACATION RENTALS
1. Vacation Rentals may be booked on the same day. Vacation Rental policies, including refunds and cancellation policies, are displayed on the website for each property. Due to various property rules, date restrictions over high-demand periods, and other special circumstances, property cancellation terms are subject to change at any time prior to purchase. For more information on details specific to the property, please refer to the cancellation policy on the property website or contact the property directly by following the instructions in the order confirmation received at the time of booking.
2. No shows are non-refundable and will result in a total forfeiture of payment and Points without credit due.
3. Requests for cancellations or modifications must be completed through the Program for all cancellation or modification requests. Cancellations or modifications handled by the property directly may result in no refund. Vacation Rentals can only be canceled in full. You cannot cancel just a portion of the reservation. If you desire to shorten your length of stay, you will need to cancel the entire reservation and rebook a new reservation.
4. In the event of an involuntary cancellation due to weather, war, terrorism, epidemic outbreak, natural disaster, acts of civil unrest or other acts of God, property cancellation fees may be waived at the discretion of the property.
5. Policies for children and pets vary by property. Child and pet benefits may be extended should a property offer them.
6. Any charges for incidentals that you incur while traveling are not included in your reservation rate and must be paid directly to the property. These include, but are not limited to, resort fees, parking fees, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, gratuities, babysitting, pet fees and other incidentals. The property will assess these fees, charges, and surcharges upon checkout. Please check with the property for additional information on incidental charges.
7. Reservations do not include services not specified in the reservation confirmation.
8. Minimum age for the primary traveler is 18 years of age at time of stay, but some properties have different age requirements for booking.
9. Travel Suppliers will attempt to notify guests of property renovation or refurbishment as reasonably soon as Travel Suppliers are notified by the property; however, the Program and Aspire are not liable if the property has failed to notify you in advance.
10. Reservations are restricted to a maximum of 21 days. If you need stay for more than 21 days, you will need to make another reservation.
11. Reservations are restricted to a maximum of 11 months in advance.
12. Availability of accommodation in the same property for extra guests is not guaranteed.
13. Check-in hours may be limited depending on the property. Please refer to the Check In & Check Out instructions section of the email confirmation you received at the time of booking.
14. Instructions for gaining access to the property will vary based on the type of property booked. The
Check In & Check Out instructions section of the email confirmation you received at the time of booking will contain this information.

Hotels and Other Travel Products
Packages and tours containing an air component will be subject to policies regarding flights. Hotel requests for specific features (non-smoking, bedding) are not guaranteed by Operator or Supplier. Generally, although not guaranteed, bedding in the U.S. and Canada hotels is as follows: Single consists of a room with one bed; Double consists of a room with either one large bed for two people or two single beds; and Triple/Quad consists of a room with two beds accommodating up to 3-4 people. Requests for rollaway beds and cribs may result in additional charges payable directly to the hotel. Star ratings are for informational purposes only and are not a guarantee or warranty of any kind by Operator. All content of this site is correct, but it is subject to amendment without notice. All content is published in good faith, but Operator cannot guarantee the accuracy of all information provided by suppliers. Operator reserves to the right, in its sole discretion, to cancel any bookings made on this site for Groups and/or charge purchasers credit card for any additional fees and costs related thereto.
Most advertised air inclusive package prices are per person, double occupancy and include room, air & all applicable taxes. Hotel only prices are per room including all taxes. Reservations depend on availability of travel products and are subject to confirmation upon payment. Rates do not apply to conventions, and customers using these rates in connection with attending a convention will be assessed additional surcharges and/or Operator may cancel the reservation. Air inclusive package prices include federal segment fees, airport passenger facilities charges (PFCs) of up to $24 per person and September 11th Security Fee of up to $10 per person. Mexico packages include foreign departure taxes, customs fees, immigration fees, airport improvement, agricultural and health fees of up $90 per person. All rates/fees are subject to change without notice. Children rates apply only when sharing a room with two paying adults and/or subject to suppliers' rules. Additional charges for cribs, rollaway beds, infant car seats and similar special request items will be the responsibility of the guest and will be paid directly to the hotel or rental car agency. Generally, children 15 and under may not travel alone and must be accompanied by an adult. Hotel check-in and other travel product age restrictions may apply. Rates do not include incidentals such as meals and beverages, shows, tours not specifically included in the package, tips, telephone calls, liquor, laundry or other items of a personal nature not otherwise specified in the quoted rates or which are excluded from the price. All personal charges must be paid at the time of service, prior to departure from the hotel, upon return of the rental car, or as designated by supplier. A major credit card or cash deposit may be required upon check-in at the hotel and at time of car rental.

International Travel
U.S. Citizens are required to present at flight check-in a valid U.S. passport. Hospital certificates are not acceptable. Children under the age of 18 years old must present a valid U.S. passport or an original

county or state-issued birth certificate or a certified copy of a county or state-issued birth certificate. Hospital certificates are not acceptable. A notarized letter of permission to carry the child outside U.S.

borders is required from any legal parent or guardian not traveling with the child. In cases of divorce, the original custody papers verifying full custody to the traveling parent eliminates the need for a notarized letter. Non-US. Citizens may require specific documentation related to their citizenship including a valid passport and visas (requirements vary by country). Visas and other special documents are the

responsibility of the traveler including all costs involved. We highly recommend all non-US. Citizens contact the United States State Department directly for documentation requirements required for

your country of origin. U.S. citizens and non-U.S. citizens are responsible for obtaining current information regarding entry requirements and security.
OPERATOR is an independent contractor which makes arrangement with third party suppliers for services and accommodations. OPERATOR is not an agent of the customer, or of other parties providing travel-related services. All travel documents are issued subject to the terms and conditions specified by such suppliers. Neither OPERATOR nor any of its agents or employees, shall be held liable for, and by accepting these documents customer waives any claim against all such parties for, a) any loss of or damage to property or injury to any person caused by reason of any defect, negligence, or other wrongful act of omission of, or any failure of performance of any kind by any other transportation company, supplier or supplier; b) any inconvenience, loss of enjoyment, mental distress or other similar matter; c)any delayed departure, missed connections, substitutions of accommodations, terminations of service, or changes in fares and rates; and d) any cancellation or double booking of reservations or tickets beyond the control of OPERATOR. In no event shall OPERATOR be responsible for any amount other than the lesser of the price paid by the customer for the booking minus any fees charged to Operator. OPERATOR reserves the right to accept, decline, retain or remove any person as a member of the tour or package program at any time. All purchases are subject to these Terms and Conditions. Operator does not endorse any particular travel product.

Legal
LIABILITY AND WARRANTY DISCLAIMER. OPERATOR AND OPERATORS SUPPLIERS/SUPPLIERS MAKE NO WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIS SITE AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, PRODUCTS, SERVICES, AND/OR OPERATION OF THE SITE ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS SITE IS AT YOUR SOLE RISK. WE EXPRESSLY DISCLAIM ANY RESPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE SITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, OPERATOR DISCLIAMS ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR APARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE ON THIS SITE DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE.
THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT CONTRACTORS AND ARE NOT AGENTS OF OPERATOR. OPERATOR IS NOT LIABLEFOR THE ACTS, ERRORS, OMISSIONS, REPRESENATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, MISSED CONNECTION, SUBSTIUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY Operators SUPPLIERS. IN NO EVENT SHALL OPERATOR BE RESPONSIBLE FOR ANY AMOUNTOTHER THAN THE PRICE PAID BY YOU FOR THE PRODUCT AND/OR OTHER SERVICES.
OPERATOR, ITS AGENTS AND/OR EMPLOYEES WILL NOT BE, RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THIS SITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY OPERATOR OR ITS SUPPLIERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF OPERATOR AND/OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSSIBLIITY OF DAMAGES.
SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Event Tickets Terms & Conditions
All Ticket redemptions are final. We are unable to process refunds, exchanges or cancellations. Should the event be postponed, tickets will be honored for the rescheduled date.

General

This site acts as an intermediary between buyers and ticket brokers to facilitate the purchase and sale of event tickets and as such, is not directly involved in the actual ticket sale transaction between the buyers and ticket brokers. The following are the rules or Terms that govern use of the Web site ("Site") by you, the user of the Site (User). By using or visiting the Site, User expressly agrees to be bound by these Terms and to follow these Terms and all applicable laws and regulations governing the Site. We reserve the right to change these Terms at any time, effective immediately upon posting on the Site.

Orders
Orders through this site will be fulfilled by one of our networks of participating brokers. All redemptions are final. Since tickets are a one-of-a-kind item and not replaceable, there are no refunds, exchanges or cancellations. If an event is postponed, tickets will be honored for the rescheduled date. New tickets will not need to be issued. If an event is cancelled without a rescheduled date, User will need to contact the program headquarters for a refund. The Fulfilling Broker may require the User to return the supplied tickets at Users expense before receiving any refund User may be entitled to due to cancellation. Any shipping and handling charges are not refundable. When User receives tickets, User should keep them in a safe place. Please note that direct sunlight or heat may damage tickets.
Occasionally tickets ordered may no longer be available at the price or in the quantity originally ordered at the time the order is received. If equivalent or better seat locations are available at the same price, and User has chosen to be automatically upgraded, the Fulfilling Broker will fill the order with the alternative seat locations. If User has not chosen to be automatically upgraded, a representative from the program headquarters may contact User to discuss alternative seat locations.
For certain events, tickets may not be available for immediate shipment. In this case, a representative from the program headquarters will contact User with notification of an approximate shipping date. Tickets will be shipped when available.
When you order event tickets the email address or physical address, as applicable, must match the email address or physical address provided to Fiserv Solutions, LLC by Orange Bank & Trust Company. In the

event you select an alternative email address or physical address for your proposed order that does not match the address Fiserv Solutions, LLC have received from Orange Bank & Trust Company we will deny your order request. Please contact Orange Bank & Trust Company if you would like to order event tickets and send to an alternative address.

Gift Card Terms & Conditions

All physical Gift Card prices include standard shipping and handling (excludes expedited shipping charges). Shipping and handling prices are determined at the time of selection and vary based on the number of cards in your purchase as well as your selection of standard or expedited shipping speeds.

For orders of physical Gift Card totaling less than $300, you will have the option to ship the Gift Cards either via standard shipping or expedited shipping. Gift Cards shipped with standard shipping will be delivered by the USPS and are sent without tracking.

Physical Gift Card orders totaling $300 and over automatically require expedited shipping to ensure they are tracked to their destination. This means you will not have the option to ship your Gift Cards via standard shipping.

Expedited shipping includes an additional fee, which will be funded by your points and is disclosed at check-out.

Expedited orders cannot be shipped to PO Boxes. These are fraud control measures required by our suppliers.

When you order Gift Cards (including both physical and digital Gift Cards) the email address or physical address, as applicable, must match the email address or physical address provided to Fiserv Solutions, LLC by Orange Bank & Trust Company. In the event you select an alternative email address or physical address for your proposed order that does not match the address Fiserv Solutions, LLC received from Orange Bank & Trust Company we will deny your order request. Please contact Orange Bank & Trust Company if you would like to order Gift Cards and send to an alternative address.

Points redeemed for gift cards ("Gift Cards") offered in connection with the uChoose Rewards Program are also subject to the uChoose Rewards Terms and Conditions located at (www.uChooseRewards.com) with respect to your use of the uChoose services. Additionally, your Gift Cards are subject to and governed by the terms and conditions provided by the issuer of your Gift Card that are presented to you at the time you receive your Gift Card (and are included with your Gift Card) (the “Gift Card Agreement”). Additional information may be available on the issuer's website or by contacting them directly – please see your Gift Card Agreement for details.

Expiration policies and non-usage fees may apply to the extent allowed by law.

Gift Cards are not redeemable for cash. Gift Cards may not be exchanged or returned unless damaged or defective at the time of receipt. Gift Cards redeemable at only certain retailers and are no longer accepted by such retailers not be exchanged or returned.

Refunds or replacements for Gift Cards that are lost, stolen, or otherwise destroyed after receipt, used without the intended recipient's permission, or used in a manner inconsistent with the Gift Card Agreement or any applicable law will be subject to the discretion of the Gift Card issuer. If the Gift Card issuer does not permit refunds or replacements, you will need to reach out to your financial institution and any such refund or replacement will be handled at the discretion of your financial institution. Should a Gift Card not be delivered to the intended recipient within 14 days of the shipping date, please contact customer service at support@customerservice.uChooseRewards.com.

Research will be conducted to determine the appropriate resolution, but in no event will a replacement Gift Card be issued more than 60 days after the original Gift Card shipping date. Please note, lost and non-delivered gift cards are researched for delivery and usage and can take up to 21 days to confirm eligible replacement.

Redemption of uChoose Rewards Points for a Gift Card constitutes acceptance of these terms and conditions.

Orange Bank & Trust Company

Executive Business Credit Card Terms and Conditions

The following Application Disclosures apply to new Orange Bank & Trust Executive Business Credit Cards and are provided as required by law.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Orange Bank & Trust Executive Business Credit Card:: Your APR is 21.25% and will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	24.99% This APR may be applied to Your account if You: Make a late payment; Go over Your credit limit twice in a six month period; Make a payment that is returned; or Do any of the above on another account that you have with us. How Long Will The Penalty APR Apply?: If Your APRs are increased for any of these reasons, the Penalty APR will apply until You make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	The Outstanding Balance is due and payable 25 days after the close of each periodic billing statement. We will not charge You any interest on purchases if You pay Your Outstanding Balance by the Payment Due Date each month.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Orange Bank & Trust Executive Business Credit Card:: Your APR is 21.25% and will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

24.99%

This APR may be applied to Your account if You:

Make a late payment;
Go over Your credit limit twice in a six month period;
Make a payment that is returned; or
Do any of the above on another account that you have with us.

How Long Will The Penalty APR Apply?: If Your APRs are increased for any of these reasons, the Penalty APR will apply until You make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases

Fees
Annual Fee	$0 or $95 annually. Introductory annual fee is $0 for the first 12 months. See “Orange Bank & Trust Executive Business Credit Card Cardholder Agreement” for more information.
Transaction Fees	Foreign Transaction: 1% of transaction in U.S. dollars
Penalty Fees	Late Payment: Up to $25.00 Returned Payment: Up to $35.00 Over the Credit Limit: Up to $35.00

Fees

Annual Fee

$0 or $95 annually.

Introductory annual fee is $0 for the first 12 months. See “Orange Bank & Trust Executive Business Credit Card Cardholder Agreement” for more information.

Transaction Fees

Foreign Transaction: 1% of transaction in U.S. dollars

Penalty Fees

Late Payment: Up to $25.00

Returned Payment: Up to $35.00

Over the Credit Limit: Up to $35.00

Effective Date: Variable APRs are based on the Prime Rate as of July 26 2023 and is subject to change after this date. Contact Orange Bank & Trust Company for current rates.

Billing Rights: Refer to the “Orange Bank & Trust Executive Credit Card Cardholder Agreement” for details on your billing error rights.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinancial.gov/learnmore

Specific State Information

Orange Bank & Trust Company
EXECUTIVE BUSINESS CREDIT CARD CARDHOLDER AGREEMENT

EXECUTIVE BUSINESS CREDIT CARD CARDHOLDER AGREEMENT AND DISCLOSURE

ACCEPTANCE OF AGREEMENT

AMENDMENT OF AGREEMENT

RESPONSIBILITY

USING THE CARD

CREDIT LIMIT

ANNUAL PERCENTAGE RATES (“APR”) AND INTEREST CHARGES

APRs. We use APRs to calculate interest charges on Your Account.

MONTHLY PAYMENT

AUTOMATIC PAYMENT SERVICE

HOW TO MAKE A PAYMENT

Your bill is the statement of Your Account. You must pay Your Credit Card bill in a manner that meets all the following conditions:

You must pay in U.S. Dollars,
Your payment must be drawn on a U.S. deposit Account,
You must not attach any restrictive language to Your payment,
You must not pay from a credit Account that We provide You, such as a check drawn on any Credit Card account that You have with Us,
Electronic payments must be made through Our online banking website,
If You make a payment in a paper form (like a check, money order, or cashier’s check), You must include the payment coupon from Your statement OR write Credit Card Account number on the payment.

In addition:

If We decide in Our discretion to accept a form of payment that does not meet these standard payment instructions, We do not waive Our rights to continue to require payments that comply with these instructions.
If We decide in Our discretion to accept a payment that You make to Us in a foreign currency, We will choose the conversion rate.

RETURNS AND ADJUSTMENTS

FEES AND CHARGES

Over The Credit Limit Fee:: If Your Outstanding Balance exceeds Your Credit Limit, You must pay a $35.00 Over The Credit Limit Fee.

FEE LIMITATIONS

INDIVIDUAL AND COMPANY LIABILITY

ABOUT DEFAULT

STATUTORY LIEN AND SECURITY INTEREST

We may consider Your Account to be in default if:

You fail to make any minimum payment within 25 days of Your statement date;
You fail to live up to the terms and conditions of this Agreement;
Your creditworthiness is impaired;
You die, become insolvent, or are the subject of Bankruptcy or receivership proceedings;
You have made a misrepresentation in connection with the Card application and/ or this Agreement, or;
You are in default under another agreement You have with Us or an affiliate.

STATEMENTS

You should retain the copy of such slips furnished at the time of the Transaction in order to verify the monthly billing statement.

Closing date: The closing date is the last day of the billing cycle; all Transactions received after the closing date will appear on Your next statement.

Sending You Notices

We will mail You notices through U.S. postal mail to the latest billing address on Our records. Notice sent to anyone of You will be considered notice to all.

Additional Important Information

HOW TO UPDATE YOUR RECORDS

AUTHORIZED USER

REPLACEMENT OF CARDHOLDER

LIABILITY FOR UNAUTHORIZED USE

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells You about Your rights and Our responsibilities under the Fair Card Billing Act

What To Do If You Think You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at:

Orange Bank & Trust Company
212 Dolson Avenue
Middletown, NY 10940
You may also contact via email at cards@orangebanktrust.com.

In your letter, give us the following information:

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of Problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on Your statement.
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question.

While We investigate whether or not there has been an error, the following are true:

We cannot try to collect the amount in question, or report You as delinquent on that amount.
The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. But, if We determine that We made a mistake, You will not have to pay the amount in question or any interest or other fees related to that amount.
While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
We can apply any unpaid amount against Your credit limit.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

To use this right, all of the following must be true:

The Purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the Purchase price must have been more than $50. (Note: Neither of these is necessary if Your Purchase was based on an advertisement We mailed to You, or if We own the company that sold You the goods or services.)
You must have used Your Credit Card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card Account do not qualify.
You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with the Purchase

Orange Bank & Trust Company
212 Dolson Avenue
Middletown, NY 10940
You may also contact via email at cards@orangebanktrust.com.

BLOCKING CARDS AND/OR REFUSAL TO AUTHORIZE TRANSACTIONS

We may block this Card due to the appearance of unusual spending behaviors or block transactions originating in certain domestic or international regions where there is a high volume of fraud.

CANCELLING OR SUSPENDING YOUR ACCOUNT

CLOSING YOUR ACCOUNT

If the Account is closed 30 days after the annual fee has been applied, the annual fee is non-refundable.

UCHOOSE® REWARDS POINTS

You may review the Terms and Conditions of the uChoose® Rewards Points in a separate agreement document online at www.orangebanktrust.com/business-credit-cards/

CREDIT REVIEW AND RELEASE OF INFORMATION

SEVERABILITY

ENFORCEMENT

PRIVACY ACT NOTICE

We send Our Privacy Policy when You open Your Account. You may view a copy of Our Privacy Policy by visiting Us www.orangebanktrust.com/privacy-policy/

Our Privacy Policy summarizes:

The personal information We collect,
How We protect Your personal information confidentiality and security;
When it may be shared with others; and
How You can limit our sharing of this information.

NO WAIVER

We can delay enforcing any of Our rights any number of times without losing them.

GOVERNING LAW

This Agreement is made in New York and shall be governed by the laws of the State of New York to the extent that New York law is not inconsistent with controlling Federal law.

New York's choice of law rules shall not be applied if that would result in the application of non-New York Law.

ILLEGAL USE OF FINANCIAL SERVICES

WE MAY CONTACT YOU

NEW YORK STATE RESIDENTS

INTEGRATED DOCUMENTS

Any separate sheet of paper, which is delivered to You with this Agreement, is an integrated part of this Agreement and Disclosure.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated

Orange Bank & Trust Company
EXECUTIVE BUSINESS CREDIT CARD ADDITIONAL DISCLOSURES

NOTIFICATION OF THE RIGHT TO REQUEST REASON FOR CREDIT DENIAL

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

Orange Bank & Trust Company
uChoose® Rewards Points Terms and Conditions
Executive Business Credit Card

Definitions

In the uChoose Rewards Program, these terms have the following meanings:

"Account" refers to an Executive business credit card account opened at Orange Bank & Trust Company.
"We," "Our," or "Operator" means Fiserv Solutions, LLC, the operator and administrator of the Program and its subcontractors.
"Program" or "uChoose Rewards Program" means the program that allows Participants to earn and redeem points for rewards.
"Rewards Points Account" means the account that tracks points earned by the Participant.
"You," "Your," or "Participant" means the individual(s) who is using the Executive business charge credit card of an Orange Bank & Trust Company to obtain points that qualify for rewards.

Eligibility

Eligibility is subject at all times to the discretion of Orange Bank & Trust Company. Participants must have an active and open Account with Orange Bank & Trust Company to participating in the Program, which may include charging or usage privileges.
Eligibility is restricted to Participants that have an Account statement mailing address within the 50 United States, the District of Columbia, United States territories, or United States military address (such as APO).
This Program is available to your Executive Business Credit Card, provided you remain in good standing with Orange Bank & Trust Company.

Program Administration

Orange Bank & Trust Company reserves the right to cancel or temporarily suspend the Program at any time without advance notice, which may result in the cancellation of outstanding points. Orange Bank & Trust Company has the right to change the Program without advance notice to You.
Orange Bank & Trust Company and Fiserv Solutions, LLC each have the right to monitor all Rewards Point Account activity. Orange Bank & Trust Company and its 3rd Party each reserves the right to cancel any Program membership in the event of fraud, abuse of program privileges, or violation of the Program rules; including any attempt to sell, exchange, or transfer points, or any instrument exchangeable for points. If You have conducted any fraudulent activity, Orange Bank & Trust Company and Fiserv Solutions, LLC reserves the right to take any necessary legal action and may have grounds to confiscate any rewards redeemed as a result of such activity. In addition, You may be liable for monetary losses to Orange Bank & Trust Company and Fiserv Solutions, LLC, including litigation costs and damages and you will not be allowed to participate in the Program in the future.
We may, at any time and without prior notice, (i) change, limit or terminate any aspect of the Program, or

(ii) update, amend or terminate these Terms and Conditions in whole or in part. Changes may affect outstanding transactions and points.

Point Accrual

You will earn 1 point for every dollar spent on qualifying net purchase (purchases less returns) as designated by Orange Bank & Trust Company. Orange Bank & Trust Company determines the points earning rate for all transactions and when points begin to accrue. No retroactive points will accrue.

Returns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also reversed from that sale.

20,000 Bonus Points will be rewarded when you spend $2,000.00 in qualifying net purchases (purchases less returns) as designated by Orange Bank & Trust Company within the first three months from the approval date.

Returns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also reversed from that sale.

Exchanges also make purchases from participating retailers made through www.uchooserewards.com ineligible for rewards, as when merchandise is exchanged, the merchant cancels the order and replaces it with a new one. Since the new order was not made through the program website points cannot be tracked. Because of this, the retailer will not pass the points to uChoose Rewards which means uChoose Rewards cannot access the points to put in your account.

To avoid losing your rebate on exchanges, please make sure all returns are final. Once your refund is credited to your card, place the order again through the uChoose Rewards website to be sure you receive points on your purchase.
Transactions from lost, canceled, or stolen credit cards; or fraudulent purchases will not earn points.
Participants will not earn points if the Account has been closed, whether closed by Participant or Orange Bank & Trust Company. Once the Account is closed, points will not be credited and points will be immediately forfeited and cannot be redeemed. Orange Bank & Trust Company will determine what constitutes a closed Account.
The Program is based on net purchases only and does not include cash advances, balance transfers, or wire transfers. It also does not include any fees posted to your Account, including (but not limited to) late fees, over limit fees, and finance charges.
Rewards Points earned during a calendar month are posted to the Participant's Rewards Points Account by the 1st day of the following month; provided, however, in the event a qualified Purchase in a month has not completed posting to your Account as of the last day of such month then we may delay posting the corresponding Rewards Points to your Rewards Points Account until the 1st day of the second (2nd) calendar month following the month in which the Purchase was made. Qualifying Purchases that have not been cleared or posted to a Participant's Rewards Points Account are not eligible for redemption.
Dollar and cents amounts will be rounded down to the nearest whole dollar amount when calculating points earned.
Point balances are available for view online.
Points cannot be transferred from one Rewards Point Account to another Rewards Point Account.
Points from multiple Accounts may be pooled together at the discretion of Orange Bank & Trust Company.
Points may not be assigned, transferred and/or pledged to any third party. Participant has no property rights or other legal interests in points.
Participant is responsible for any personal tax liability that may be related to participation in the Program.
If your Rewards Point Account does not represent the correct number of points that you should have been awarded, Orange Bank & Trust Company and Fiserv Solutions, LLC reserves the right to adjust your point balance. If you have been awarded points in error or if you believe your Rewards Point Account has been the subject of any suspicious activity, please contact the Orange Bank & Trust Company or Fiserv Solutions, LLC immediately using the "Contact Us" feature of the Program website.
If you believe that you have made purchases that should have resulted in the addition of Rewards to your accumulated Rewards balance, and you see that the Rewards have not been reflected within thirty (30) days of your purchase, please contact us within ninety days of the date of such purchase and we will investigate the situation. (If you wait longer than ninety (90) days, your ability to claim the Rewards will be considered waived.)

Redeeming Points

No cash refunds or partial awards will be issued upon redemption of points.
Program points may not be used with any other discount or coupon offer.
All points must be redeemed using either (i) the Program website located at www.uChooseRewards.com, or (ii) through the third-party participating merchants in the Pay with Points program.
If you have questions about the Program, those questions can be sent to the Orange Bank & Trust Company and Fiserv Solutions, LLC using the "Contact Us" feature of the Program website or emailing us directly at cards@orangebanktrust.com
Points will be redeemable only if your Rewards Points Account is open and in good standing.
The Participant must redeem points, but another person may use the ticket(s) or rewards. The Participant is responsible for any tax liability or other charges related to participation in the Program or redemption of points, and for payment of any taxes or charges. Examples of such charges include without limitation, baggage charges, departure taxes, or other charges that may have been assessed by government entities.
Orange Bank & Trust Company reserves the right to disqualify any Participant from participating in the Program and to invalidate all points for abuse, fraud, or any violation of the Program Terms and Conditions.
Orange Bank & Trust Company and Fiserv Solutions, LLC and suppliers are not responsible for the replacement of lost, stolen, or damaged documents awarded for the redemption of points.
Orange Bank & Trust Company reserves the right to pass on any processing and/or surcharge fees that may be incurred on the rewards.

Miscellaneous

You acknowledge and agree that as part of the Program certain rewards information about You and Your Rewards Points Account may be provided to merchants and other parties involved in the Program and Your transactions and that you consent to this sharing. You acknowledge and agree that Orange Bank & Trust Company and Fiserv Solutions, LLC has no control over and liability for any use of such

information by those third parties.
Orange Bank & Trust Company and Fiserv Solutions, LLC has no liability for disagreements regarding points. Orange Bank & Trust Company decisions regarding points and point discrepancies will be final.
You agree to comply with all applicable laws, rules, statutes, ordinances, and regulations in connection with Your participation in the Program and Your use of goods and services.
NONE OF OPERATOR OR THE SUPPLIER OF ANY REWARDS (INCLUDING EACH OF THEIR AGENTS, AFFILIATES OR EMPLOYEES) (TOGETHER, "PROVIDERS") MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIS PROGRAM AND THE WEBSITE, AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, PRODUCTS, SERVICES AND/OR OPERATION OF THE PROGRAM OR THE WEBSITE ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS WEBSITE AND THE PROGRAM IS AT YOUR SOLE RISK. PROVIDERS EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE PROGRAM AND THE WEBSITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ON THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.
TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE THROUGH THE PROGRAM DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE BY OPERATOR OR THE PROVIDERS.
THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT >CONTRACTORS AND ARE NOT AGENTS OF OPERATOR. OPERATOR IS NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, MISSED CONNECTION, SUBSTITUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY OPERATOR'S SUPPLIERS.
THE PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THE PROGRAM OR THE WEBSITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THE PROGRAM OR THE WEBSITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY PROVIDERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
You agree to indemnify, defend, hold harmless, and release the Providers and any merchants participating in the rewards, including any rewards that, after receipt, may be lost, stolen, or destroyed, from any claims, liabilities, obligations, actions, or damages (including reasonable attorneys fees) arising out of any breach of the Program, these Terms and Conditions, or any terms provided to you by Orange Bank & Trust Company in connection with the Program, by You or by anyone using the Program or Your points, Rewards Point Account, or other Accounts. All participating merchants are in no way affiliated with or responsible for the Program administration.
If any of these Terms and Conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.
The Program and these Terms and Conditions are subject to the laws of the State of New York, without any reference to its choice of law provisions.

Other Terms and Conditions

You also acknowledge and agree to comply with the Privacy Notice found at www.uChooseRewards.com

Transactions from lost, canceled, stolen or temporary credit or debit cards; or fraudulent purchases will not earn points.

Merchandise Terms & Conditions

Merchandise Return Policies & Process

Hazardous items that are gas-powered or contain flammable liquids
Computer laptops and desktops more than 14 days after delivery
Any product missing the serial number or UPC
Gift cards/certificates
Gourmet gift baskets

Also, items that are opened, used or shipped more than 30 days ago may not be eligible for an exchange or refund.

Return Process

Contact the Online Returns Center
1. You will need either your order confirmation or shipping document to provide certain
  
  information like order number, item number and item name. Providing all requested information will expedite processing.
2. Click here for UChoose Merchandise Support to access the return request email. Complete requested information and click submit.
3. You will receive an acknowledgement email within one business day that your request has been received.
4. Within three business days you will receive an email validating if the item is eligible for return and providing you with return instructions including any applicable shipping labels.
Return Merchandise
1. Return labels must be used for all exchange and refunds within the time frame designated (usually 10 calendar days); once the label expires the item is no longer eligible for return.
2. Each return mailing label is coded for a specific shipment and specific items; please do not include items from other orders, or other items and/or shipment from the same order, in the same box, or you will not receive the correct refund.
3. For special items that require a pickup by UPS, a “call-tag” will be issued. UPS will attempt a pickup at the address on the order during the next 3 business days. No specific time can be provided for the pickup as this is dependent upon the UPS route in the area.
4. If specialty carrier is required for large items, the carrier will call the phone number on the order to arrange a pickup date and time.
5. Return labels, call tags and carrier pick-ups are valid only for returns shipped within the U.S.
Receive Points within 4 weeks after merchandise is received by the rewards center.
1. Eligible UChoose Points will be deposited back to the participant's account.
  1. Email notification will be sent once points have been deposited to your account.
  2. Validate your points return on your UChoose Points Detail page of the UChoose Website (www.uChooseRewards.com)
Replacement items are typically shipped within 4 weeks of the merchandise being received by the rewards center.
1. All shipping addresses must be within the U.S. and cannot be P.O. boxes.
2. If the item is unavailable a refund of UChoose Points will be created.
  1. Eligible UChoose Points will be deposited back to the participant's account.
  2. Email notification will be sent once points have been deposited to your account. iii.Validate your points return on your UChoose Points Detail page of the UChoose

Website (www.uChooseRewards.com)

Return Guidelines

Some product lines have special restrictions or return policies. Review the table below to understand the returns policy for the various product lines.

Books Computer Games DVDs Electronic Music Videos Video Games Software	These items must be unopened and still in their plastic wrap unless the item is damaged or defective upon opening of the item's packaging.
Large Screen TV delivered by freight carrier	Inspect your television carefully for damage while the shipper is still present. If you discover any damage, please refuse delivery and the shipper will remove the TV and your order will be worked for a refund. Do not sign the shipper's release form unless you have inspected the TV for damages. All cabling or additional installation is your responsibility. Your signature on the carriers delivery receipt acknowledges that you understand the return policy. If you accept delivery and later find out that the television is not working properly, please review package enclosures to see if the problem is covered by a manufacturer's in-home service warranty. If you are unable to locate warranty information for a particular model, contact the manufacturer.
Outdoor Living Tools & Hardware Kitchen	These items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item's packaging. For safety reasons, items that use flammable liquids or gases cannot be returned. Please contact the manufacturer directly for service, warranty, return, and refund information.
Apparel	These items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item's packaging. It must be in its original condition with all tags and packaging intact.
Gourmet Food	We cannot accept returns on gourmet food items including candy, gift baskets, or any other food items.
Health & Personal Care	Items must be unopened and in new condition. We cannot accept returns of products that have special shipping restrictions imposed by the U.S. Department of Transportation.
Jewelry & Accessories	These items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item's packaging.
Computers	Computers which have been opened are subject to a 15% restocking fee to be deducted from the total amount the customer is refunded. Computers may not be returned more than 14 days from the date of delivery.

Please Note:

If you do not use the Online Returns Center and choose to work directly with the merchant, the Online Returns Center will not be able to assist you.
Merchant direct returns only allow exchanges; return for uChoose Rewards Points will not be an option.
Online Returns Center provides a traceable, insured return method for high value items. If you choose to work directly with the merchant, we recommend using a traceable U.S.P.S. or UPS shipping method and insure any items valued more than $500. Shipping costs including insurance will be at the participant's expense.

Backordered Items

Items which are on back order for more than sixty (60) days may be cancelled due to unavailability; a full refund of points will be processed for the item(s) cancelled.

Travel Terms & Conditions

All redemptions from the Travel section are final. We are unable to process refunds, exchanges or cancellations.

Flights Non-refundable and non-transferable

Hotels & Other Travel Products Non-refundable and non-transferable

Booking Windows: Bookings are subject to advance purchase booking windows. The online booking tool will not allow searches within the advance purchase booking window. Advance purchase requirements are as follows:
- Flights: 5 Day Advance Required
- Hotels: 5 Day Advance Required
- Cars: 7 Day Advance Required
Flights
All airline purchases are non-refundable and non-transferable.
Should you have any questions, contact the airline (operator) directly. All reservations must be made in the exact name of each person traveling. U.S. billing and delivery address, if applicable, are

required. It is the customer's responsibility to review the final amount of reservation prior to ending the booking and making a purchase.
When you place travel redemption orders, the email address or physical address, as applicable, must match the email address or physical address provided to us by your financial institution. In the event you select an alternative email address or physical address for your proposed order that does not match the address we have received from your financial institution we will deny your order request. Please contact your financial institution if you would like to place redemption orders and send to an alternative address.
You can book up to 8 seats within one transaction; however, there must be more Adult tickets than Children tickets (i.e., 5 Adults and 3 Children).

VACATION RENTALS
1. Vacation Rentals may be booked on the same day. Vacation Rental policies, including refunds and cancellation policies, are displayed on the website for each property. Due to various property rules, date restrictions over high-demand periods, and other special circumstances, property cancellation terms are subject to change at any time prior to purchase. For more information on details specific to the property, please refer to the cancellation policy on the property website or contact the property directly by following the instructions in the order confirmation received at the time of booking.
2. No shows are non-refundable and will result in a total forfeiture of payment and Points without credit due.
3. Requests for cancellations or modifications must be completed through the Program for all cancellation or modification requests. Cancellations or modifications handled by the property directly may result in no refund. Vacation Rentals can only be canceled in full. You cannot cancel just a portion of the reservation. If you desire to shorten your length of stay, you will need to cancel the entire reservation and rebook a new reservation.
4. In the event of an involuntary cancellation due to weather, war, terrorism, epidemic outbreak, natural disaster, acts of civil unrest or other acts of God, property cancellation fees may be waived at the discretion of the property.
5. Policies for children and pets vary by property. Child and pet benefits may be extended should a property offer them.
6. Any charges for incidentals that you incur while traveling are not included in your reservation rate and must be paid directly to the property. These include, but are not limited to, resort fees, parking fees, room service, telephone fees, internet usage fees, in-room movies, mini-bar charges, gratuities, babysitting, pet fees and other incidentals. The property will assess these fees, charges, and surcharges upon checkout. Please check with the property for additional information on incidental charges.
7. Reservations do not include services not specified in the reservation confirmation.
8. Minimum age for the primary traveler is 18 years of age at time of stay, but some properties have different age requirements for booking.
9. Travel Suppliers will attempt to notify guests of property renovation or refurbishment as reasonably soon as Travel Suppliers are notified by the property; however, the Program and Aspire are not liable if the property has failed to notify you in advance.
10. Reservations are restricted to a maximum of 21 days. If you need stay for more than 21 days, you will need to make another reservation.
11. Reservations are restricted to a maximum of 11 months in advance.
12. Availability of accommodation in the same property for extra guests is not guaranteed.
13. Check-in hours may be limited depending on the property. Please refer to the Check In & Check Out instructions section of the email confirmation you received at the time of booking.
14. Instructions for gaining access to the property will vary based on the type of property booked. The
Check In & Check Out instructions section of the email confirmation you received at the time of booking will contain this information.

Hotels and Other Travel Products
Packages and tours containing an air component will be subject to policies regarding flights. Hotel requests for specific features (non-smoking, bedding) are not guaranteed by Operator or Supplier. Generally, although not guaranteed, bedding in the U.S. and Canada hotels is as follows: Single consists of a room with one bed; Double consists of a room with either one large bed for two people or two single beds; and Triple/Quad consists of a room with two beds accommodating up to 3-4 people. Requests for rollaway beds and cribs may result in additional charges payable directly to the hotel. Star ratings are for informational purposes only and are not a guarantee or warranty of any kind by Operator. All content of this site is correct, but it is subject to amendment without notice. All content is published in good faith, but Operator cannot guarantee the accuracy of all information provided by suppliers. Operator reserves to the right, in its sole discretion, to cancel any bookings made on this site for Groups and/or charge purchasers credit card for any additional fees and costs related thereto.
Most advertised air inclusive package prices are per person, double occupancy and include room, air & all applicable taxes. Hotel only prices are per room including all taxes. Reservations depend on availability of travel products and are subject to confirmation upon payment. Rates do not apply to conventions, and customers using these rates in connection with attending a convention will be assessed additional surcharges and/or Operator may cancel the reservation. Air inclusive package prices include federal segment fees, airport passenger facilities charges (PFCs) of up to $24 per person and September 11th Security Fee of up to $10 per person. Mexico packages include foreign departure taxes, customs fees, immigration fees, airport improvement, agricultural and health fees of up $90 per person. All rates/fees are subject to change without notice. Children rates apply only when sharing a room with two paying adults and/or subject to suppliers' rules. Additional charges for cribs, rollaway beds, infant car seats and similar special request items will be the responsibility of the guest and will be paid directly to the hotel or rental car agency. Generally, children 15 and under may not travel alone and must be accompanied by an adult. Hotel check-in and other travel product age restrictions may apply. Rates do not include incidentals such as meals and beverages, shows, tours not specifically included in the package, tips, telephone calls, liquor, laundry or other items of a personal nature not otherwise specified in the quoted rates or which are excluded from the price. All personal charges must be paid at the time of service, prior to departure from the hotel, upon return of the rental car, or as designated by supplier. A major credit card or cash deposit may be required upon check-in at the hotel and at time of car rental.

International Travel
U.S. Citizens are required to present at flight check-in a valid U.S. passport. Hospital certificates are not acceptable. Children under the age of 18 years old must present a valid U.S. passport or an original

county or state-issued birth certificate or a certified copy of a county or state-issued birth certificate. Hospital certificates are not acceptable. A notarized letter of permission to carry the child outside U.S.

borders is required from any legal parent or guardian not traveling with the child. In cases of divorce, the original custody papers verifying full custody to the traveling parent eliminates the need for a notarized letter. Non-US. Citizens may require specific documentation related to their citizenship including a valid passport and visas (requirements vary by country). Visas and other special documents are the

responsibility of the traveler including all costs involved. We highly recommend all non-US. Citizens contact the United States State Department directly for documentation requirements required for

your country of origin. U.S. citizens and non-U.S. citizens are responsible for obtaining current information regarding entry requirements and security.
OPERATOR is an independent contractor which makes arrangement with third party suppliers for services and accommodations. OPERATOR is not an agent of the customer, or of other parties providing travel-related services. All travel documents are issued subject to the terms and conditions specified by such suppliers. Neither OPERATOR nor any of its agents or employees, shall be held liable for, and by accepting these documents customer waives any claim against all such parties for, a) any loss of or damage to property or injury to any person caused by reason of any defect, negligence, or other wrongful act of omission of, or any failure of performance of any kind by any other transportation company, supplier or supplier; b) any inconvenience, loss of enjoyment, mental distress or other similar matter; c)any delayed departure, missed connections, substitutions of accommodations, terminations of service, or changes in fares and rates; and d) any cancellation or double booking of reservations or tickets beyond the control of OPERATOR. In no event shall OPERATOR be responsible for any amount other than the lesser of the price paid by the customer for the booking minus any fees charged to Operator. OPERATOR reserves the right to accept, decline, retain or remove any person as a member of the tour or package program at any time. All purchases are subject to these Terms and Conditions. Operator does not endorse any particular travel product.

Legal
LIABILITY AND WARRANTY DISCLAIMER. OPERATOR AND OPERATORS SUPPLIERS/SUPPLIERS MAKE NO WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIS SITE AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, PRODUCTS, SERVICES, AND/OR OPERATION OF THE SITE ALL OF WHICH ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS SITE IS AT YOUR SOLE RISK. WE EXPRESSLY DISCLAIM ANY RESPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE SITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.
TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, OPERATOR DISCLIAMS ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR APARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE ON THIS SITE DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE.
THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT CONTRACTORS AND ARE NOT AGENTS OF OPERATOR. OPERATOR IS NOT LIABLEFOR THE ACTS, ERRORS, OMISSIONS, REPRESENATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, MISSED CONNECTION, SUBSTIUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY Operators SUPPLIERS. IN NO EVENT SHALL OPERATOR BE RESPONSIBLE FOR ANY AMOUNTOTHER THAN THE PRICE PAID BY YOU FOR THE PRODUCT AND/OR OTHER SERVICES.
OPERATOR, ITS AGENTS AND/OR EMPLOYEES WILL NOT BE, RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF THIS SITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY OPERATOR OR ITS SUPPLIERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF OPERATOR AND/OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSSIBLIITY OF DAMAGES.
SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

Event Tickets Terms & Conditions
All Ticket redemptions are final. We are unable to process refunds, exchanges or cancellations. Should the event be postponed, tickets will be honored for the rescheduled date.

General

This site acts as an intermediary between buyers and ticket brokers to facilitate the purchase and sale of event tickets and as such, is not directly involved in the actual ticket sale transaction between the buyers and ticket brokers. The following are the rules or Terms that govern use of the Web site ("Site") by you, the user of the Site (User). By using or visiting the Site, User expressly agrees to be bound by these Terms and to follow these Terms and all applicable laws and regulations governing the Site. We reserve the right to change these Terms at any time, effective immediately upon posting on the Site.

Orders
Orders through this site will be fulfilled by one of our networks of participating brokers. All redemptions are final. Since tickets are a one-of-a-kind item and not replaceable, there are no refunds, exchanges or cancellations. If an event is postponed, tickets will be honored for the rescheduled date. New tickets will not need to be issued. If an event is cancelled without a rescheduled date, User will need to contact the program headquarters for a refund. The Fulfilling Broker may require the User to return the supplied tickets at Users expense before receiving any refund User may be entitled to due to cancellation. Any shipping and handling charges are not refundable. When User receives tickets, User should keep them in a safe place. Please note that direct sunlight or heat may damage tickets.
Occasionally tickets ordered may no longer be available at the price or in the quantity originally ordered at the time the order is received. If equivalent or better seat locations are available at the same price, and User has chosen to be automatically upgraded, the Fulfilling Broker will fill the order with the alternative seat locations. If User has not chosen to be automatically upgraded, a representative from the program headquarters may contact User to discuss alternative seat locations.
For certain events, tickets may not be available for immediate shipment. In this case, a representative from the program headquarters will contact User with notification of an approximate shipping date. Tickets will be shipped when available.
When you order event tickets the email address or physical address, as applicable, must match the email address or physical address provided to Fiserv Solutions, LLC by Orange Bank & Trust Company. In the

Gift Card Terms & Conditions

Expedited shipping includes an additional fee, which will be funded by your points and is disclosed at check-out.

Expedited orders cannot be shipped to PO Boxes. These are fraud control measures required by our suppliers.

Expiration policies and non-usage fees may apply to the extent allowed by law.

Redemption of uChoose Rewards Points for a Gift Card constitutes acceptance of these terms and conditions.

Please scroll through the entire disclosure in order to click the "I agree" or "I do not agree" option.

Terms & Conditions Viewed *

Terms & Conditions Confirmation * I agree I do not agree

ACKNOWLEDGMENTS AND AGREEMENTS

Agree to Agreements By clicking the “check box” and/or by digitally signing, I/we represent to Orange Bank & Trust Company that: (1) I/We are authorized to execute this credit request on behalf of the business named in this application; (2) The information provided in this application is true and correct. Any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I/we have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq. (3) All statements made in this application are made for the purpose of obtaining a business credit; (4) Orange Bank & Trust Company will retain the original and/or an electronic record of this application, whether or not the business credit is approved; (5) Orange Bank & Trust Company may continuously rely on the information contained in the application, and I/we are obligated to amend and/or supplement the information provided in this application if any of the material facts; (6) My transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature. *

ACKNOWLEDGMENT

Agree to Acknowledgements By clicking the “check box” and/or by digitally signing, I/we represent to Orange Bank & Trust Company that: I/We acknowledge that Orange Bank & Trust Company may verify any information contained in this application or obtain any information or data relating to the business credit application, for any legitimate business purpose through any source, including a source named in this application or a consumer-reporting agency. Orange Bank & Trust Company may make inquiries to obtain business reports on the business entity named in this application. *

Borrower

Borrower Name

Signature *

Clear Signature

Title *

Date *

Orange Bank & Trust’s Executive Business Credit Card

Business Information

New York law requires that we ask if a business applicant is a minority-owned business or a women-owned business. New York law also requires us to ask business applicants for their principal owners’ ethnicity and race.

Minority-owned business status

Women-owned business status

Number of principal owners

Principal Ownership

Principal Owner 1

Demographic information about principal owners

Principal Owner 2

Demographic information about principal owners

Principal Owner 3

Demographic information about principal owners

Principal Owner 4

Demographic information about principal owners

Please include debt schedule*

Please attach last 3 years Business Tax Returns*

Personal Information

Contact Information

Background

Please attach last 3 years Personal Tax Returns*

Please fill out this document and upload*

Co-Borrower

Personal Information

Contact Information

Background

Please attach last 3 years Personal Tax Returns*

Please fill out this document and upload*

Credit Card Information

Guarantor

Co-Borrower

Beneficiary Certification

Additional Cards - Employee Setup Form

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