Affinity and Co-Brand Card Programs

Each Cardholder Communication must clearly communicate the identity of the Member as the Card Issuer and otherwise must be clear and truthful and must not reflect poorly on the Corporation or any Mark.

Each Special Issuer Program Solicitation must:

1. Refer prominently to the offering exclusively as a Card and not position the offering as anything other than a Card; and

2. Prominently and integrally feature the MasterCard Word Mark and MasterCard Brand Mark; and

3. Clearly and conspicuously disclose the identity of the Card Issuer. Each Solicitation about a Special Issuer Program, including any material modification of a prior Solicitation, must be approved in writing by the Issuer prior to final production and first use.

6.2 Affinity and Co-Brand Card Programs

Affinity Card Programs and Co-brand Card Programs are Special Issuer Programs. This Rule 6.2 is applicable to both.

6.2.1 Program Partners

Subject to compliance with the Standards, an Issuer may use the area on a Card that the Standards reserve for the identification of the Issuer to instead or additionally identify a person or entity other than the Issuer. Such person or entity is referred to herein as a “Partner.” There are two types of Partners: an “Affinity Group,” which is an educational or other not-for-profit entity that promotes an institution or activities, and a “Co-brand Partner,” which is a for- profit company organized to engage in commercial activity.

Notwithstanding Rule 1.5.1, a financial institution that is eligible to be a Member may be a Co-brand Partner only if such entity is not a Member.

6.2.2 Ownership and Control of the Program

An Affinity Card Program or Co-brand Card Program must be entirely owned and Controlled by the Issuer at all times and a Partner may not own or Control any part of the Program or the Program receivables. The Corporation

exclusively determines if an Issuer is in compliance with the foregoing

requirements. In making such a determination, the Corporation may consider such factors as:

6.2 Affinity and Co-Brand Card Programs

1. Whether the Member establishes the Program policies and guidelines, such as Cardholder credit and eligibility decisions;

2. The Member’s role in setting fees and rates; 3. What the Member has at risk;

4. Whether the Member actively ensures that the Program policies and guidelines are implemented;

5. The ownership and Control of the Program receivables;

6. Whether all or a substantial portion of the receivables are financed with the Partner; and

7. The extent to which the Member, and not the Partner, is portrayed as the owner of the Program.

6.2.3 Issuer Identification on Program Cards

The following Issuer identification requirements apply to all Affinity Card Program and Co-brand Card Program Cards:

1. Neither the Card design nor any information appearing on the Card may state or infer that anyone other than the Member is the Issuer of the Card. 2. Issuer identification consisting of the Issuer’s name or the Issuer’s name

and logo must be clearly visible either on the Card face or on the Card back. The name or logo or both of a Partner may appear on the Card face in addition to the Issuer identification or on the Card back.

3. A Card that bears only the Partner’s name or logo on the Card face, but that otherwise satisfies the Issuer identification Standards is deemed (in the absence of other circumstances) to comply with these requirements. 4. In addition to, or in lieu of, appearing on the upper portion of the Card

face, the name of the Partner may be present on the fourth line of the Account Information Area.

5. If the Issuer identification does not appear on the Card face, the following statement must prominently appear and be clearly legible on the Card back: “This card is issued by (FULL, TRUE ISSUER NAME) pursuant to license by MasterCard International.” The location of this statement on the Card is at the Issuer’s discretion.

6. For Programs in which more than one Partner participates, Issuer identification on the card back must be equal or greater in size than the identification of any Partner on the Card back. See “Multiple Partners.” 7. The Issuer’s customer service telephone number must appear on the back

6.2 Affinity and Co-Brand Card Programs

6.2.4 Program Name

An Issuer may apply to the Corporation for permission to have a Card Program name appear in addition to or in lieu of the Issuer name or the Partner’s name or both on the Card face and, with such permission, may use such a Card Program name.

6.2.5 Multiple Partners

Except as may be otherwise set forth in the Standards, if a Program involves more than one Partner, only one Partner’s name or logo or both may appear on the Card face. The name or logo or both of any additional Partner(s) may appear only on the Card back.

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6.2.6 Accept All Cards without Discrimination

A Merchant that accepts any Affinity Card Program Cards or Co-brand Card Program Cards must accept all other validly presented Cards, without limitation or exception.

6.2.7 Use of the MasterCard Acceptance Mark

A MasterCard Acceptance Mark displayed at the POI must appear apart from any Partner identification and must at least have parity in size and prominence with any Program logo, Program name, or the like, and with any competing mark also displayed. The Corporation has the right to require the modification or removal of any POI display of a Program name or logo that the Corporation determines does not comply with this Rule or reflects negatively on any Mark.