1. Cardholders will earn the following cash back rewards: 3% on groceries 2% on gas, travel (airlines, hotels, motels resorts, taxi/limo, and car rental) and universities: and 1% on all other purchases for every one U.S. dollar in eligible net purchases made on their Visa Signature Credit Cards, rounded to the nearest whole dollar Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to amount. returned. Negative cash back will be given if returns or credits exceed purchases Certain restrictions, Imitations, and exclusions apply. Visa Signature Credit Card has a $10,000 minimum limit. Visit msufcu.org/visasignature for full terms and conditions.

2. OU Credit Union offers CashBack+ to members with active accounts in good standing CashBack+ is available through the member's OU Credit Union account. This program enables members to purchase select digital gift card offers for and earn cash back at varying percentages, which is credited immediately to their CashBack+ wallet post-purchase. Not all account types qualify. Must be 18 years of age or older to participate in CashBack+. Gift card purchases are not permitted with CashBack+ gift cards, whether online or in-store. For best results ensure your device is updated to the latest operating system. OU Credit Union retains the right to modify or terminate the CashBack+ program at any time without prior notification. OU Credit Union is not affiliated with nor endorses any of the merchants featured in CashBack+. Gift card purchases are final and non-refundable. Digital gift card offers are not products of OU Credit Union, and their terms of use are subject to the respective merchants and may vary, more information can be found at prizeout.com/terms. The CashBack program is offered through Prizeout. Amounts received through Prizeout may be taxable and reported on applicable IRS forms. For more information, visit prizeout.com/terms. CashBack+ is offered through Prizeout. Amounts received through Prizeout may be taxable and reported on applicable IRS forms. For more information, visit prizeout.com/terms.