1. Program Sponsor. The UFC Customer Loyalty Card Program (“the Loyalty Program”) is operated United farmers Cooperative, 705 E. 4th Street, Winthrop, MN, 55396, and is applicable exclusively and only at UFC locations for products purchased from or grain commodities sold to UFC. 2. Membership Eligibility and Fee. Membership in the Program is contingent on these Loyalty Program Terms and Conditions. You may maintain only one account. There is no enrollment fee for this Loyalty Program. The Loyalty Card is and will remain the property of UFC and must be returned on demand. 3. Program Availability. UFC reserves the right to restrict, suspend, discontinue or cancel this Loyalty Program at management’s exclusive discretion. UFC will make every reasonable effort to provide advance notice of its action(s) to all participating members and patrons. UFC accepts no responsibility should any active member(s) not receive advance notice of its intention to restrict, suspend, discontinue or cancel the Loyalty Program. 4. Non Transferability of Customer Loyalty Cards. Customer Loyalty Cards are not transferable. The Cardholder is prohibited from transferring their card to any other person for the purpose of receiving benefit of another customer’s purchases. The cardholder is also prohibited from transferring in any way whatsoever the benefit of redeeming points accumulated on the account. Only the registered Cardholder may redeem points and dollar value equivalent on credit in the account. Distinguish c-store loyalty cards from farm supply /grain loyalty cards? 5. Membership Cancellation. UFC reserves the right to cancel any participation in the Loyalty Program and revoke any and all unredeemed Loyalty Program points collected by any member(s) for reasons that include, but are not limited to: 1) violation of any or all of these Terms and Conditions; 2) misrepresentation of any information or any misuse of this Loyalty Program; 3) violation of any national law or regulation in connection with the use of membership privileges; 4) failure to pay for purchases; 5) a check that is returned for insufficient funds or is invalid for any reason; 6) a debit or credit card payment to a participating restaurant is contested for any reason and payment stopped; 7) commission of fraud or abuse involving any portion of this Loyalty Program; 8) more than one active account per member; or 9) action, in any other way, to the detriment of the Loyalty Program or any of its alliances; all as may be determined by UFC in its sole discretion. 6. Changes in Terms and Conditions. UFC reserves the right to make any changes to the program (whether material or otherwise), including the ways in which points are earned and redeemed and the eligible items, the expiration of accrued points, the limits, to modify or cancel Loyalty Program Terms and Conditions (including the number of points issued for a Qualifying Purchase), regulations, benefits, conditions of participation, rewards and reward levels in whole or part at any time, even though changes may affect the value of points or rewards already accumulated; all as may be determined by UFC in its sole discretion. You will be bound by any such changes. 7. Notice of Changes. Any such changes will be shown in these Terms and Conditions on www.ufcmn.com/co-op-cash-terms will be effective immediately unless stated otherwise. A notice that a change has been made will be placed on the web site for a reasonable period of time. Any changes to any printed version of the Terms and Conditions will be contained in the next reprinting of that printed version. UFC will attempt to notify active members regarding major Program changes, but will not be liable for failure to do so, and all participating members and patrons will nevertheless be bound. An active member is defined as any member having point activity (accrual or redemption) within the last 12 months. 8. Legal rights. Neither the Program nor any benefit offered by the Program creates, constitutes or gives rise to any legal or contractual rights by members against UFC. 9. Points have no value. UFC loyalty points are not redeemable for cash or any other form of credit and have no value until presented for redemption in accordance with the terms and conditions of this Program. Points have no fixed or ascertainable cash value. Members have no ownership interest in accrued points and accrued points do not constitute property of the members. Use of the word "earn" in marketing materials in relation to UFC points shall mean "collect" and shall not infer that the points have any value until they are presented for redemption. Points may not be purchased or sold and are not transferable except as otherwise stated herein. 10. Communications Not Received. UFC is not liable for loss of misdirected correspondence, requests, or Loyalty cards that may be lost or stolen. 11. No Guarantees on Merchandise. UFC make no guarantees, warranties or representations of any kind, expressed or implied, with respect to items of merchandise, and shall not be liable for any loss, expense (including without limitation, any legal fees), accident or inconvenience that may arise in connection with the use of such items or as a result of any defect or failure of such items. 12. Restricted by Law. This Program or participation therein is not valid and/or the awarding of UFC points and/or the granting of rewards is void where prohibited or restricted by law. 13. Program Violations. Program violations, fraud or abuse in relation to points or reward usage is subject to appropriate administrative and/or legal action by appropriate governmental authorities and by UFC, including, without limitation, the forfeiture of all point transfers, rewards, vouchers, or merchandise issued pursuant to point redemptions and any accrued points in your account, as well as cancellation of the account and your future participation in the Program. 14. Other Point Awards. UFC points may be distributed as rewards, recognition, or incentives by UFC to members and patrons, and also by other companies with whom UFC has agreements to their customers. 15. Program Interpretation. Interpretations of Program Terms & Conditions shall be at the sole discretion of UFC. UFC reserves the right to add, modify, delete or otherwise change these Terms and Conditions or any rules related to the Program at its sole discretion, with or without notice. 16. Registration of Loyalty Card is mandatory. Customer Loyalty Cards must be registered online at the website www.ufcmn.com in order that earned points are eligible for redemption. Failure to register the Customer Loyalty Card will restrict the cardholder from redeeming any earned points until such time as it is properly registered. Should it be determined that an unregistered Customer Loyalty Card has been used to purchase items, that card will be immediately cancelled without any notice. UFC will consider that unregistered Customer Loyalty Card as improperly acquired and improperly used, thus subject to cancellation. 17. Earning and Redeeming Points for Purchases. The Member may earn points from purchases or products from UFC or sales of grain commodities to UFC in accordance with program parameters that UFC reserves the right to modify from time to time in its sole discretion and without prior notice to participating members or patrons. 18. Customer Loyalty Program and the Internet. The Customer Loyalty Program is inseparably associated with Internet availability. As such, the Customer Loyalty Program is susceptible to down time whenever the Internet is offline. UFC accepts no responsibility for Internet communication challenges that negatively impact its Customer Loyalty Program. UFC will make every effort to ensure that customers receive points earned on purchases transacted during times when the Internet is unavailable. However, there can be no redemption of points during times when the Internet is unavailable. 19. Lost or Stolen Cards. In the event of loss or theft of your Loyalty Card, it is your responsibility to advise UFC as soon as possible. UFC accepts no responsibility for any unauthorized use of the card. UFC will make reasonable efforts to void the card and reduce the member’s exposure to further loss of points but accepts no responsibility for same. Furthermore, UFC will not make any restoration of points in the event of a lost or stolen card. The Customer Loyalty Card is a bearer card and, as such, the cardholder should treat the Customer Loyalty Card with the same protection and safety measures as if it were cash.