Eligibility Requirements

To participate in the Pilot, you must meet all of the following criteria:

• Be at least 18 years of age.
• Be a legal resident of the United States.
• Maintain an active, qualifying deposit account with FFL.
• Have no outstanding restrictions or holds on your account at the time of enrollment.
• Not currently enrolled in any conflicting FFL promotional programs.

Enrollment is subject to verification and approval by FFL. FFL reserves the right to deny or revoke enrollment at its sole discretion.

Debit Card Rewards Disclosure

1. Overview of the Rewards Program
   
   Under this Quest Pilot Program (“Pilot”), eligible cardholders earn 2% cash back on Qualifying Debit Card Transactions posted to their account each calendar month. Rewards are calculated based on posted (not pending) transactions.
   
   The Program is provided as a voluntary benefit during the Pilot and may be modified or terminated at any time at the discretion of the issuing institution.
   
2. Eligibility
   
   To participate, you must:
   
   • Be invited to participate in the Quest Pilot Program.
   • Maintain an open and active checking account linked to the debit card.
   • Be a cardholder in good standing with no restrictions on card usage.
   • Meet any additional eligibility criteria established by the institution.
   
   Joint accounts: Rewards are earned at the account level, and all posted qualifying cardholder transactions count toward monthly rewards.
   
3. Earning Cash Back
   
   3.1 Qualifying Transactions
   
   You will earn 2% cash back on Qualifying Transactions, defined as:
   
   • Point of Sale (POS) purchases using your debit card (signature, PIN, online, or contactless).
   • Recurring merchant transactions charged to your debit card.
   
   Transactions must be posted within the calendar month to be eligible.
   
   3.2 Non Qualifying Transactions (Exclusions)
   
   Cash back will not be earned on the following merchant types or transaction categories, including but not limited to:
   
   • Sports betting, wagering, fantasy sports, online gambling, or similar merchant categories.
   • Peer to Peer (P2P) Payment Services, including money transfer apps.
   • Digital Wallet Funding Transactions (e.g., loading funds into Apple Pay Cash, PayPal balance, Venmo balance).
   • Cryptocurrency related transactions, including crypto exchanges, wallets, and crypto-funded purchases.
   • Transactions relating to federally controlled substances including Cannabis.
   • ATM transactions, including Cashless ATM transactions (withdrawals, transfers, balance inquiries).
   • Any fees charged in connection with the usage of your debit card including fees relating to currency conversion.
   • Cash like transactions, including money orders, traveler’s checks, stored value cards, and other quasi cash instruments.
   • Account funding, loan payments, or internal transfers disguised as debit card transactions.
   • Any transaction deemed fraudulent, reversed, disputed, or unauthorized.
   
   The institution may amend the exclusion list to address risk, fraud, or regulatory requirements.
   
4. Rewards Posting
   
   • Cash back rewards will be credited to your linked Quest Pilot Program Goal Account within the first five business days of the month for the prior month.
   • Rewards may be forfeited if your account is closed or not in good standing at the time rewards are credited.
   • Returned, disputed, or reversed transactions will result in adjustments to previously awarded rewards.
   
5. Limits and Caps
   
   Unless otherwise specified:
   
   • There is no cap on monthly rewardable spend.
   • The institution reserves the right to impose caps or modify reward structures based on program risk assessments.
   
6. Fraud Monitoring, Risk Controls & Compliance
   
   • The institution may decline or exclude transactions that appear to circumvent program rules.
   • Excessive or abnormal transaction patterns may result in temporary holds, reviews, or removal from the Program.
   • Compliance with Regulation E obligations, error resolution, and unauthorized transaction investigations remains in effect.
   
7. Program Changes & Termination
   
   The institution may modify, suspend, or terminate the Program at any time, including reward rates, exclusions, or eligibility, with or without prior notice, subject to applicable law.
   
8. Additional Terms
   
   • Participation is void where prohibited by law.
   • Rewards have no cash value until posted to your account.
   • By using your debit card, you agree to these Program terms and any future amendments.