Overview of Rules
The	CashBack rebate	is	an	annual	account-
crediting	program,	which	calculates	at	a	tiered
rate	according	to	the	following	annual	net	retail
The	 CashBack rebate	 is	 calculated	 on	 net
retail	 purchases	 only.	 	 “Net	 retail	 purchases”
means	 purchases	 of	 goods	 or	 services	 that
qualify	 for	 the	 maximum	 interchange	 rate
made	 with	 the	 Card	 while	 the	 account	 is	 in
good	standing,	net	of	any	returns	or	credits.
Accounts	that	do	not	achieve	at	least	$2,500	in
net	 retail	purchases	will	not	 receive	an	annual
rebate	and	may	not	be	automatically	enrolled
in	the	subsequent CashBack	program.
Each	CashBack	program	calculates	net	retail
purchases	posted	to	the	account	beginning	on
the	January	billing	cycle	statement	and	ending
with	 transactions	posted	 to	 the	account	at	 the
end	 of	 business	 on	 the	 cycle	 billing	 date	 in
December	 of	 the	 same	 year.	 	 (Also	 known	 as
the	“Program	Year”)
4. All qualifying net retail purchases	will
be	calculated	monthly	at	the	statement	cycling
date.		The	earned CashBack	credit	for	all	net
purchases	during	the	Program	Year	will	appear
on	the	December	billing	statement.
To	earn	or	receive	the	CashBack	rebate	your
account	 must	 achieve	 total	 net	 purchases	 of
$2500	during	the	12-month	billing	cycle	program
year.		Your	account	must	be	open	and	in	good
standing	on	the	December	billing	cycle	date	for
the	rebate	to	be	credited.
Freedom	First	Federal	Credit	Union	assumes	no
tax	liability	for	the	CashBack	rebate	credited
to	your	account.
The	CashBack	 rebate	program	 is	offered	by
Freedom	First	Federal	Credit	Union,	who	reserves
the	 sole	 right	 to	 judge,	 change	 or	 discontinue
any	program	feature,	at	any	time.		This	program
is	void	where	prohibited	by	law.
Freedom First credit cards put money back in your pocket!Freedom First Credit Union
P.O. Box 1999
Salem, VA 24153
Local: 540-389-0244 Toll-Free: 866-389-0244 Fax: 540-378-8952