**Membership in the JCPenney Rewards Program ("Program")is open to residents of the 48 contiguous states of the U.S., AK and PR who are 18 years of age or older. JCPenney credit cardmembers who meet those criteria are automatically enrolled in the Program.JCPenney Rewards terms vary by store. Please visit www.jcpenneyrewards.com and login/enroll to see the reward terms that apply to your account or call 1-888-527-7937.By providing an email address and participating in the Program, you agree to receive operational communications and promotional email offers and updates from JCPenney Rewards, JCPenney and its affiliates and licensees. Members may unsubscribe from JCPenney and JCPenney Rewards promotional emails at any time via the unsubscribe link in those emails. JCPenney reserves the right to amend or modify the Program at any time and in any way without notice (including, without limitation, our right to adjust the number of points or certificates earned for each dollar in purchases, the type and amount of any JCPenney Rewards certificate, and the type and amount of other Program benefits). JCPenney further reserves the right to terminate the Program or any Program benefits at any time without notice. Abuse of the Program, as determined by JCPenney in its sole judgment, may result in a member being disqualified from participation in the Program, including forfeiture of unused Rewards points or issued, but unused certificates. The Program is sponsored by and administered by JCPenney. Describes Program as of April 2016.

***To qualify for or maintain JCPenney Gold status and JCPenney Platinum status, you must meet certain requirements for dollars spent or number of unique shopping days at JCPenney or jcp.com in a calendar year. These requirements vary by market. For details on the Gold and Platinum requirements in your market, please refer to the disclosures on the back of your billing statement or see a JCPenney store associate. JCPenney Gold / Platinum Status is determined within two billing periods of meeting purchase threshold. We reserve the right to change or cancel the JCPenney Gold / Platinum Program or any or all of its benefits at any time without notice. If your account is not in good standing and/or you no longer meet our criteria, you may be ineligible for the JCPenney Gold / Platinum Program and/or unable to take advantage of JCPenney Gold / Platinum promotions. The JCPenney Gold / Platinum benefits are available only while you are a resident of the 48 contiguous United States, Puerto Rico and Alaska.The JCPenney Gold / Platinum Program is provided by Synchrony Bank.

Subject to credit approval. Minimum monthly payments required. See a JCPenney Associate in store or see online at jcp.com for details

Birthday offer available to JCPenney Platinum and Gold Credit Cardmembers who are residents of the 48 contiguous United States, Puerto Rico and Alaska. cardmembers must make at least one purchase with their JCPenney Credit Card within the last twelve months. The account must be in good standing at the time the birthday offer is issued and have a birthday on file. JCPenney requires Cardmembers who have not achieved JCPenney Gold/Platinum Status to have a valid email address on file with their Program account to receive the birthday offer. One offer per account.

Cardmembers must have made at least one purchase with their JCPenney credit card within the last 12 months. The credit card account must be in good standing at the time the Special Coupons are issued. Members with more than one account will only receive one set of Special Coupons. Coupons may have minimum purchase requirement. See coupon for full terms & conditions.