PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR PARTICIPATING IN THE BIRTHDAY BONUS PROGRAM, YOU AGREE TO BE BOUND BY THESE TERMS OF USE AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT ACCESS OR PARTICIPATE IN THE BIRTHDAY BONUS PROGRAM. You agree that we may provide notices, disclosures and amendments to these Terms of Use, and other information relating to the Birthday Bonus Program by electronic means, including posting such information and materials online at The Birthday Bonus Program is intended for personal use only. Commercial use is prohibited. The Birthday Bonus Program is not targeted towards, nor intended for use by, anyone under the age of 10. If you are between the ages of 10 and 18, you may access and participate in the Birthday Bonus Program only under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use. By signing up for the Birthday Bonus Program you agree to receive periodic marketing email and/or text messages to keep informed about initiatives, announcements and product offers. To be eligible to join the Birthday Bonus Program in accordance with these Terms of Use, you must register a physical address in the United States.