We are continuously exploring more efficient ways to operate, but unfortunately we have not been able to find recycled and/or environmentally friendly credit card plastic options approved by the card associations. That being said, GreenPay is offsetting the production of each GreenPay credit card produced by removing 10,000 lbs of CO₂ as a bonus for your first card purchase – that’s about 1/4^th of the total annual carbon emissions from a typical household of two in the US.

The GreenPay Rewards program is a service offering of Fintura Corporation.

GreenPay^SM MasterCard® credit cardholders whose accounts are open, current, and not in default are automatically enrolled as participants in the GreenPay Rewards program.

The GreenPay Rewards program provides participants with a means of retiring carbon dioxide credits (“Carbon Credits”) to offset participants’ own generation of carbon dioxide emissions and those of others.

The determination of the amount of Carbon Credits, i.e., pounds of carbon dioxide (CO₂), retired is based upon pooling the activity of all GreenPay Rewards program participants to purchase carbon offsets on the wholesale market. Fintura Corporation is a certified Associate Member of the Chicago Climate Exchange (CCX), a regulated Exempt Commercial Market under the United Sates Commodity Exchange Act. As of April 6 2007, CCX is the world’s first and North America’s only voluntary, legally binding rules-based greenhouse gas emission reduction and trading system.

Under the GreenPay Rewards program, the funding of Carbon Credit purchases by Fintura Corporation is based on net purchases charged to your GreenPay credit card account on a monthly basis and converting them to “Carbon Dollars.”

The amount of the Carbon Dollars generated is calculated by multiplying each eligible purchase during the billing cycle by:

1.60% (.0160) if the purchase is for gasoline and/or household utilities as determined by the Standard Industrial Classification (SIC) Code of the merchant as reasonably discerned by Fintura Corporation; or

.80% (.0080) for all other purchases.

The program is based on net purchases only (purchases less returns) and does not include cash advances, balance transfers, cash advances designated as purchases, cash equivalents (such as casino chips, wire transfers or lottery tickets). GreenPay Rewards are not earned on any fees or interest charges posted to your account, including late fees, over limit fees, annual fees and finance charges.

GreenPay Rewards are calculated each month. At time of calculation, GreenPay Rewards will only be calculated if you are currently enrolled in the GreenPay Rewards program and your credit card account is open, current, and not in default.

GreenPay Rewards have no cash value and cannot be redeemed for cash or applied as payment against your account.

The rules and terms of this program are subject to change without notice.

The rules and terms of this program are void where prohibited by law.

Fintura Corporation may suspend or terminate this program at any time with or without notice.

GreenPay Rewards and GreenPay are service marks of Fintura Corporation.