Gift Card Program (please print terms and conditions – expiration date etc.)

• 1. you may use this card at any participating location for payment
• 2. additional value may be added to this card any time
• 3. this is not a credit/debit card and has no implied warranties
• 4. panya group is not responsible for lost, stolen or damaged card or any unauthorized card use
• 5. card will expired 24 months after date of purchase
• 6. card holders may check their balance by either dialing customer service at 888-481-0757 or online at http://www.opticard.com/balance.htm
• 7. card is redeemable for food and merchandise only. unused value remains on card and cannot be redeemed for cash