HOLDING CLUB CYBERCARD S.A.S is the sole administrator and organizer of the CYBERCARD POINTS program. CYBERCARD POINTS was created with the purpose of rewarding the loyalty of customers affiliated with the CYBERCARD Benefits Program, for making their purchases at commercial establishments partnered with HOLDING CLUB CYBERCARD S.A.S. These partner stores belong to different service categories and publish their products and services through the website https://reservas.cybercard.com.co/ and the CYBERCARD App.

Customer Service Channels

CYBERCARD POINTS provides different communication channels for affiliated customers, such as the website https://reservas.cybercard.com.co/ and the CYBERCARD App, where users can access to manage their points and benefits. CYBERCARD POINTS may, at any time, add, remove, or limit the use of these channels, informing customers about the new conditions and the procedures that can be carried out through them.

Point Accumulation in the Program (EARNING POINTS)

Only individual persons affiliated with the CYBERCARD Benefits Program who make purchases at establishments partnered with HOLDING CLUB CYBERCARD S.A.S and who are active in the CYBERCARD App at the time of purchase may accumulate points. The number of points earned from a transaction will be reflected immediately in the CYBERCARD App. Accounts that are closed or blocked with restrictions on earning points will NOT accumulate points. CYBERCARD POINTS will be responsible to the customer for any incorrect point accumulation, unless it is demonstrated that the error was induced by the customer, in which case CYBERCARD POINTS may determine whether to exclude the customer from the program. When an error or inconsistency results in an accumulation greater than the points the customer should have earned for a given transaction, CYBERCARD POINTS may deduct the excess points from the customer's individual account, without prejudice to the possibility of exclusion from the program as previously mentioned. When the error results in fewer points than the customer should have received, CYBERCARD POINTS will credit the missing points to the customer’s individual account. In all cases, CYBERCARD POINTS will request supporting documents that verify the transaction in order to make the appropriate adjustments. Customers may have negative point balances in their individual account for the following reasons: a. When CYBERCARD POINTS makes a debit of points and the customer does not have a sufficient balance to cover it; b. When a system error occurs, which, once identified by CYBERCARD POINTS, must be corrected by crediting the customer the corresponding points.

Redemption or Use of Points in the Program

Points earned may be used by customers affiliated with the CYBERCARD Benefits Program only for the products specified in the CYBERCARD App — a mobile application available on iOS and Android platforms — or through any channel provided by CYBERCARD POINTS. Points are not exchangeable for cash. The number of points required to redeem a product or service will be indicated at the time of redemption. The customer may choose the number of points they wish to use toward a product or service, and the remaining balance must be paid in cash. Cash and Points: the rate for each Point may be modified in favor of the customer for certain products or services. That is, HOLDING CLUB CYBERCARD S.A.S may define an exact number of points plus an exact amount of money to acquire a product or service. These will be specially marked, and to obtain the additional benefit, the customer must meet the conditions published on the product or service label. CYBERCARD POINTS may modify the established amounts at any time, whether permanently, for a limited time, or for a specific customer segment. If the minimum amount required to use points changes, it will be announced through at least one CYBERCARD POINTS channel. Points will never be earned for points spent. In the case of purchasing a product using cash plus points or cash and points, it will be up to the partner merchant to decide whether to award points for the portion paid in cash. Points used will be automatically deducted from the customer’s point balance. The transaction can only be completed if the customer has a sufficient point balance and HOLDING CLUB CYBERCARD S.A.S has available units of the product or service. A customer with a blocked account will not be able to redeem their points while the account remains in that state.