This card is issued by Citizens Alliance Bank, Member FDIC, pursuant to a license from Visa® U.S.A. Inc. This card is redeemable for specific goods and services at select merchants where Visa cards are accepted. If you receive access to certain reward funds with this card, you agree to the terms and conditions available at https://HealthyBenefitsPlus.com/ABHIL/RewardTerms (the “Website”). This card is not redeemable for cash except as required by law. Available reward fund balance does not expire.