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<td align="center" valign="top" style="font-family:Arial, Helvetica, Verdana sans-serif; font-size:12px; color:#2d2d2d; line-height:14px;"><b>EARNING REWARDS & USING YOUR CARD</b><br />
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              EARNING REWARDS &amp; USING YOUR CARD
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             New cardmembers earn 10% back in rewards for Net Eligible purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, and Mark &amp; Graham (excludes Rejuvenation and GreenRow) during the first 30 days from account opening, 5% thereafter. Some approved customers will not be eligible to make same-day purchases, for example, if they do not timely complete any required authentication process and/or their applications present fraud concerns. Customers who are not eligible for a virtual card will not be able to make a purchase until their card arrives in the mail.
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