This document contains the official points earning terms for the Southwest Rapid Rewards® Debit Card (“Card”) issued by Sunrise Banks, N.A. (“Bank”, “we”, “us”, or “our”) and includes important conditions and limitations. Subject to these terms, you can earn Southwest Rapid Rewards points (“Point” or “Points”) when you use your Card, and your Points can be redeemed for travel, merchandise, and other rewards and benefits as part of the Southwest Rapid Rewards program from Southwest Airlines Co. (“Southwest”). For purposes of these terms, your “Card Account” refers to the deposit account linked to your Card (“Card Account”). You agree that your use of the Card indicates your acceptance of these terms and the Southwest Rapid Rewards Debit Card Account Agreement (“Account Agreement”). These terms may be updated at any time with or without notice and your continued use of the Card after any changes constitutes your acceptance of the modified terms. Capitalized terms not defined in these terms have the meaning ascribed to them in the Account Agreement.

A. Points Earning.

1. Welcome Bonus. You are eligible to receive a one-time bonus of 2,500 Points when you satisfy all of the following requirements within 90 days of Card Account opening:

• Establish and receive at least 2 direct deposits, recurring monthly or more frequently, AND
• Make at least $100 in Qualifying Purchases using your Card within ninety (90) days of opening your Card Account.

Qualifying Purchases are all purchases made using the Card, excluding any ATM withdrawals, transactions that include cash back at point of sale, quasi-cash or cash-like transactions, peer-to-peer payment app transactions, lottery tickets, casino gaming chips or similar betting transactions, disputed or unauthorized purchases, returns, refunds, adjustments, or fees of any kind, including the monthly fee, if applicable (“Qualifying Purchases”).

The welcome bonus must be earned within ninety (90) days of Card Account opening. It will be transferred to your Southwest Rapid Rewards Member Account (“Rewards Account”) within 8 weeks after the 91st day from Card Account opening, provided your Card Account is open and in good standing at the time of transfer.

2. Ongoing Rewards. You can earn Points on Qualifying Purchases you make using your Card. You will earn 1 Point for every $1 spent directly with Southwest Airlines, including flight, inflight, Southwest gift card, Getaways by Southwest^TM packages, and purchases made on Southwest.com or the Southwest Mobile App. Other Southwest Airlines related purchases, such as Southwest Charters and Southwest Cargo® are excluded. You will earn 1 Point for every $1 of Qualifying Purchases spent on Dining, and for every $1 of Qualifying Purchases spent on Subscriptions (including utilities and streaming services). You will earn 1 Point for every $2 spent on all other Qualifying Purchases. All Points earned through the use of your Card during a calendar month will be transferred to your Rewards Account after the close of each Card Account monthly statement.

We have the right in our sole discretion to determine whether a transaction is eligible to earn Points, and have the right to deny Points on a transaction that is deemed ineligible.

3. Anniversary Bonus. You may receive bonus Points based on the Qualifying Purchases you make each account anniversary year. Account Anniversary Year means the year beginning with your account open date through the close of business on the day before the 12 month anniversary of your account open date, and each 12 billing cycle thereafter (“Account Anniversary Year”). Provided your Card Account is open and in good standing, bonus Points will be transferred to your Rewards Account each Account Anniversary Year, as follows:

Annual Qualifying Purchases	Bonus Points
$5,000.00 to $9,999.99	2,500
$10,000.00 to $14,999.99	5,000
$15,000.00+	7,500

4. Annual $35 Statement Credit. A statement credit will be applied to your account when your Card is used for Southwest Airlines flight purchases (excludes Upgraded Boarding and inflight purchases) up to a maximum of $35 per calendar year. Statement credit(s) will be applied to your Card Account balance up to 140 days after your qualifying Southwest Airlines flight purchase posts to your Account. The Annual $35 Statement Credit will be issued for the year in which the transaction posts to your account. For example, if you buy a Southwest Airlines flight ticket, but the airline does not post the transaction until after the current calendar year ends, the cost of the ticket will be allocated towards the following calendar year’s Annual $35 Statement Credit.

5. Annual 7,500 Companion Pass^® Points Bonus. You will earn one bonus of 7,500 Companion Pass® qualifying points each calendar year. The bonus will be deposited into your Rewards Account by January 31 each calendar year or up to 30 days after account opening. Only one Card Account per person is eligible for one bonus of 7,500 Companion Pass qualifying points per calendar year. Card Account must be open, in good standing, and linked to an active Rewards Account at the time of transfer. You can obtain further details on Companion Pass® qualifying points in the Southwest Rapid Rewards program terms and conditions by visiting www.southwest.com/rrterms.

6. Southwest^® 20% Off Promotion Code:You will receive one 20% Off Promotion Code each calendar year (“Promotion Code”). The Promotion Code will appear in your Rewards Account each year by January 31st so long as your Card Account is open, in good standing and linked to an active Rewards Account as of December 31st of the previous calendar year. The Promotion Code will be valid within one year of delivery, the exact date of which will be listed in your Rewards Account. The Promotion Code is not valid on Basic fare bookings. The Promotion Code must be entered into the Promo Code box during checkout and will be applied to the base fare before government taxes and fees. Please note that the Department of Transportation (DOT) requires advertised fares to include all government taxes and fees, however the Promotion Code applies to the base fare only. All flights are subject to taxes, fees, and other government or airport-imposed charges of at least $5.60 per one-way trip. Applicable taxes, fees, and other government or airport-imposed charges can vary significantly based on your arrival and departure destination. The payment of any taxes, fees, and other government or airport-imposed charges is your responsibility and must be paid at the time travel is booked. Fares are subject to change until ticketed. The Promotion Code is not redeemable for cash and may not be used in conjunction with other promotion codes, special offers, or toward the purchase of a gift card or previously booked flight, or change to a previously booked flight. The Promotion Code is only valid for flights booked on Southwest.com and the Southwest app. The Promotion Code is not valid on group travel or Southwest Vacations®, Getaways by Southwest™, fares booked via swabiz.com, our Southwest Partner Services API or through Global Distribution Systems, or special fares, such as military and government fares.

Rewards Account Linking. To earn and retain Points, your Card Account must be linked to an active Rewards Account. If you do not provide a Rewards Account at sign-up, Southwest will attempt to identify an existing account for you or create and link one on your behalf. While linking is typically automatic, it is your responsibility to ensure your Rewards Account remains active to earn Points and avoid the expiration of any earned Points. There is no limit to the total Points you can earn as long as the Southwest Rapid Rewards program continues and your Card Account is open, active, in good standing and linked to an active Rewards Account. All Points earned with your Card count toward Companion Pass. For information regarding the terms of the Southwest Rapid Rewards program, including Point expiration policy, please visit southwest.com/rapid-rewards.

Suspension of Points Earning. Your Card Account must remain open and in good standing to be eligible to earn Points. We reserve the right, in our sole discretion, to suspend or stop your ability to earn additional Points if we determine that you may have engaged in fraud, abuse, misuse, or gaming in connection with earning Points, or otherwise violated these terms, the Account Agreement, the Southwest Rapid Rewards program terms and conditions, or other applicable terms. This includes, but is not limited to, manufacturing spend or engaging in transactions that are not for legitimate purposes. If our records indicate a negative Points balance in connection with your Card Account (such as when Points were earned on purchases that were subsequently returned), any new Points you earn will be automatically applied first to offset such negative balance before you may use them for any other purpose. If your Card Account is closed for any reason and you later re-open the Card Account or open another Card Account, any negative Points balance from your prior Card Account may carry over and be applied against Points earned on your new or re-opened Card Account.

Points Redemption. Southwest manages the Southwest Rapid Rewards program including redemption and is responsible for establishing terms and conditions of your participation in the Southwest Rewards Program. All Southwest Rapid Rewards program terms and conditions apply. You can obtain information regarding the redemption options available at www.southwest.com/rapid-rewards/points/how-to-redeem. All Points earned through the use of your Card will be transferred to your Rewards Account. Your Rewards Account is subject to the Southwest Rapid Rewards program terms and conditions and such conditions may be amended in the sole and absolute discretion of Southwest. We are not responsible for adding any Points to your Rewards Account, for arranging or providing for any goods or services related to the use of Points, for any delay, failure, or refusal by Southwest to add or redeem Points, or for any decision by Southwest to revoke or cancel Points or membership in the Southwest Rapid Rewards program.

Disclosures. You agree that we may share information about you, your Card usage, Card Account, and rewards or Points activity with affiliates, service providers, and rewards partners, including Southwest, to administer the rewards program and that Southwest may share information about you with us. For information about how Southwest processes your information for the Rapid Rewards® program, see the Southwest Privacy Notice, available at https://www.southwest.com/about-southwest/terms-and-conditions/privacy-policy/. You are solely responsible for any federal, state, or local taxes due as a result of any Points or rewards received. If required, we may issue a Form 1099-INT or other applicable IRS form, using a good-faith estimate of the fair market value of such rewards. Please consult a tax advisor regarding your individual tax obligations. We reserve the right to correct inaccurate Points values represented on statements, our website and/or our mobile app, at our sole discretion. We may, at our sole discretion, cancel, modify, restrict, or terminate these terms or any aspects or features of the rewards program at any time without prior notice. Southwest may change or terminate the Southwest Rapid Rewards program in accordance with its terms and conditions. For a complete explanation of the Southwest Rapid Rewards program’s terms and conditions go to southwest.com/rrterms. All interpretations of these Program Rules shall be in our sole discretion and all interpretations of the Southwest Rapid Rewards program terms and conditions shall be in Southwest’s sole discretion. Other significant terms may apply. All trademarks and service marks belong to their respective owners. We are not responsible for typographical errors or omissions in this document, website, mobile app, or any marketing materials. Points earned through use of the Card cannot be combined with other discount or reward programs unless specifically authorized by us or Southwest.

Southwest Airlines® is an airline and not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Southwest Rapid Rewards® Debit Card is issued by Sunrise Banks, N.A., pursuant to license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association.