It's Easy, It's Smart.

Keep your cash working hard for you every day. With a Janney Advantage Account, you have Janney Rewards ^SM that accumulate one point for every dollar spent using your Janney Advantage Platinum Debit MasterCard® and one point for every $100 of your money market fund sweep balance. As your points add up, you can receive exciting rewards...the kind you can really use! Choose from air travel, luxurious hotel stays, merchandise, gift certificates and car rentals. Points add up quickly.
Airline Travel

As a Janney Advantage® Member you can redeem for air travel to almost anywhere in the world!  To see the complete offering of destinations or to book your flight click here to log into the Janney Rewards online redemption system.  Below is a grid of all of the flight offerings, you will have an opportunity to select your departure and arrival cities using the online redemption system or by calling our travel services toll-free at 1-888-557-1738 between 9:00 a.m. - 8:00 p.m. ET, seven days a week.

Coach Class Reward Description	Points Required	Maximum Ticket Value	Rule Buster Points Required
One Round trip, Coach class ticket within the 50 US states.	35,000	$300	45,000
One Round trip, Coach class ticket from the 50 US to Mexico, the  Caribbean or Canada	45,000	$375	55,000
One Round trip, Coach class ticket from the 50 US to Europe	66,000	$650	76,000
One Round trip, Coach class ticket from the 50 US to Central America / South America	75,000	$700	85,000
One Round trip, Coach class ticket from the 50 US to Asia/S Pacific	90,000	$900	100,000
One Round trip, Coach class ticket from the 50 US to Africa/Middle East	100,000	$1,000	110,000
One Round trip, Coach class ticket from the 50 US to Australia/New Zealand	125,000	$1,150	142,000
One Round Trip Ticket Around the World	165,000	$3,000	185,000

Note: Please review the disclosures for flight restrictions. ¹

 
Car Rental Certificates

Cardholders may use accumulated points to obtain Hertz or Avis car rental certificates. In your neighborhood, across the country and around the world, Hertz Certificates go just about anywhere you want to travel.  Be sure to check the certificate details before making reservations.  Avis Rent-A-Car System, Inc. and its subsidiaries operate the world’s largest general-use car rental business and leisure customers with a wide range of services at more than 1700 locations in the United States, Canada, New Zealand, Australia, South Pacific, Europe, and Latin American/Caribbean region.

Hotel Guest Certificates

Cardholders may use earned points to purchase Marriott® Cheques & TravelCards®, gift certificates for The Ritz-Carlton®, and Best Western® Travel Cards® to travel in style. Use the card for accommodations, dining, recreation, the spa and more! Valid at Marriott Hotels & Resorts, JW Marriott Hotels & Resorts, Renaissance Hotels & Resorts, Courtyard, Fairfield Inn, SpringHill Suites, Residence Inn, TownePlace Suites and Marriott Vacation Club International (rentals only) locations worldwide. TravelCards® never expire. The Ritz-Carlton is a worldwide symbol of prestige and distinction in luxury lodging, synonymous with service excellence.  Personal attention to service combined with elegant furnishings, award-winning dining and exciting properties in unforgettable locations ensures every guest experience is truly memorable.  The Best Western® Travel Card® is the perfect gift and reward. It can be used to pay for charges at any of Best Western® worldwide.  And with more than 4,000 locations in over 80 countries, they can travel to far away beaches or international cities - the opportunities are endless!  The Best Western® Travel Card® is a stored value card that is fully transferable. 

Gift Cards

Clients of the Janney Rewards program will have the opportunity to redeem points for gift cards to their favorite merchants.  To name just a few: Best Buy®, BLOCKBUSTER®, Bonefish Grill, Lowe's®, Pier 1 Imports®, Starbucks, and Target.  To see the full suite of gift card options login online by clicking here.

Charity Gift Card (CGC)

Your points can be used to do good by giving the gift of money to a local or national charity.

Merchandise

The rewards site will be updated every month with new and exciting merchandise for you to choose from like Electronics, DVDs, Jewelry, Sporting Equipment and Toys, just to name a few.

Experiential
 
We would like to offer our most unique clients the chance to fulfill their dreams by driving a racecar, flying in a hot air balloon, scuba diving or tasting some of the worlds best wines.  To see all of the activities that we can offer you check out the website by clicking here!

Enrollment

Cardholders are automatically enrolled in Janney Rewards^SM as soon as they open a Janney Advantage Account and activate their Platinum Debit MasterCard®. Participation is restricted to individuals and U.S. account holders only. Corporations, trusts, partnerships and similar accounts, and individuals maintaining an Individual Retirement Account (IRA) or other retirement accounts are not eligible to participate Janney Reserves the right to terminate your Janney Advantage at any time.

Points Earned

The Cardholder accumulates points on the basis of one point per dollar of net eligible purchases posted to the Cardholder's debit card account, exclusive of cash advances and bill payment transactions through the personal computer. Clients will earn one point for every $100 in money market fund balances posted quarterly. Points do not accumulate for fees of any kind, such as finance charges and unauthorized charges. Points may not be combined with other discounts, special rates, promotions, or other award programs. Points may take up to 60 days to be posted following a qualifying purchase. Accounts will be updated monthly. Cardholders with questions about their points may call Janney Rewards^SM customer service toll-free at 1-888-557-1738 between 9:00 a.m. - 8:00 p.m. ET, seven days a week.

Redemption of Points

Cardholders are eligible to redeem points. Points redeemed and expired points will be based on a first-in, first-out process. Points are not transferable, are not redeemable for cash, and cannot be used as payment for obligations owed to Janney Montgomery Scott or any of its affiliates. Points are considered fully redeemed once your request is submitted online or confirmed over the phone.  To redeem points, please call Janney Rewards^SM customer service toll-free at 1-888-557-1738 or logon by clicking here.

Statements

Once the Cardholder has accumulated 5,000 points, quarterly statements will be sent approximately three weeks after the end of each calendar quarter. Statements are mailed under separate cover by Trilegiant Loyalty Solutions. Calendar quarters end at the end of March, June, September, and December. The statements will not show individual transactions but will show accumulated totals for points earned, less any refunds, returns, or adjustments, as well as redeemed and expired points. Balances are posted monthly and mailed quarterly. Quarterly statements will also show points that are due to expire within the following 90 days.

General Information

The Cardholder will earn points when they are posted to Janney Rewards^SM redemption system. Points cannot be earned until an account has been assigned. No retroactive credit will be given. Cardholder points may not be combined from different accounts to earn a reward. Points cannot be used in conjunction with other frequency or award programs. The points that the Cardholder earns will expire in three (3) years at the end of the quarter in which they are earned.

Janney Montgomery Scott LLC reserves the right to alter, change, or terminate Janney Rewards^SM at any time. This means that Janney Montgomery Scott may initiate changes impacting, for example, earning award points, mileage levels, rules for the use of travel awards, continued availability of travel awards, blackout dates, limited seating for travel awards and features of special offers. Janney Montgomery Scott reserves the right to cancel any reservations or void any documents in connection with such awards and travel arrangements. Janney Montgomery Scott reserves the right to disqualify Cardholders that have violated the redemption rules of Janney RewardsSM.

Neither Janney Montgomery Scott, nor any of its affiliates, nor Trilegiant Loyalty Solutions shall be liable for bodily harm and/or property damage that may result from the Cardholder's participation in Janney Rewards^SM nor for the performance by the airlines of the ticketed transportation. Janney Montgomery Scott, nor any of its affiliates, does not guarantee the availability of any flight on any airline or seats on any such flight. Janney Montgomery Scott, nor any of its affiliates does not endorse, guarantee, or warrant the goods and services by any airline. Tickets are subject to the applicable airline rules and restrictions. Lost or stolen or otherwise destroyed reward tickets, certificates, or documents are not reusable or replaceable. Janney Montgomery Scott, nor any of its affiliates, makes no representations as to current or future tax consequences regarding participation in Janney Rewards^SM. Cardholders should consult their own tax advisor for more information. Neither Janney Montgomery Scott, nor any of their affiliates, is responsible for the failure of Trilegiant Loyalty Solutions to provide the benefits under Janney Rewards^SM.

Termination

Once a Cardholder's Platinum Debit MasterCard® or Janney Rewards^SM Account is terminated, points will no longer be valid and statements will no longer be sent to Cardholders. The definition of termination is located in the Services Program Information Statement and Agreement that is sent to the Cardholder along with the Cardholder's Platinum Debit MasterCard®.
See important details in the Janney Rewards^SM brochure and the program information statement and agreement sent to you with your debit card.

Disclaimers

Marriott is not a sponsor or co-sponsor of this promotion.   Use of Marriott logos or trademarks requires written approval from Marriott International, Inc. See reverse side of TravelCard for complete terms and conditions.

The Ritz-Carlton is not a sponsor or co-sponsor of this promotion.   Use of The Ritz-Carlton logos or trademarks requires written approval from The Ritz-Carlton Hotel Company, L.L.C. See reverse side of Currency  for complete terms and conditions.

Best Western® Travel Card® can be used to pay for charges at more than 4,100 Best Western® hotels worldwide.  Travel Card is fully transferable.  Not exchangeable for cash in part or other substitutions and no change will be given.  Travel Card cannot be replaced if lost, stolen or destroyed.  Travel Cards® do not expire.  Terms are void where prohibited by law.  Issued in Arizona, USA, by Best Western® International, Inc. Best Western® International, Inc. is not a sponsor or co-sponsor of this program and is not affiliated with (insert company name).  Each Travel Card is subject to terms and conditions as published at www.travelcard.bestwestern.com. Terms and conditions subject to change without notice. The Best Western® name and logo are service marks or registered service marks of Best Western® International, Inc.   Each Best Western® hotel is independently owned and operated.  All rights reserved

Renter must meet Hertz age, driver and credit qualifications in effect at the time and place of rental. If no redemption limit appears on the face of the voucher, up to three Check Vouchers identified by the same CDP# and IT# can be used on the same rental. See voucher for complete terms and conditions.  GO TO HERTZ.COM, CALL YOUR TRAVEL AGENT OR CALL HERTZ FOR RESERVATIONS AND INFORMATION REGARDING PARTICIPATING LOCATIONS.  AT THE TIME OF RESERVATION, MENTION THE CDP# AND APPLICABLE U.S. OR INTERNATIONAL IT#. FOR U.S. RENTALS CALL 1-800-654-2210. FOR INTERNATIONAL RENTALS CALL 1-800-654-3001. VOUCHER MUST BE SURRENDERED AT THE TIME OF RENTAL.

1.

1. Airline tickets redeemed are non-refundable, non-changeable tickets. This includes taxes, destination charges and any other applicable fees. Additionally, all rewards will be subject to applicable airline penalties and/or restrictions
2. Airline ticket reservations must be booked through Janney Rewards SM for your reward points to be applicable. 
3. Dollar caps associated with each point level available for redemption. 
   NOTE: If the fare for your selected itinerary is more than the maximum dollar amount dictated by the point level at which you are redeeming, you may pay the difference with your Janney Advantage Platinum Debit MasterCard® or any other debit or credit card. If your selected itinerary is less than the dollar cap, you will not be refunded points to cap. 
4. All flights must be booked at least 14 days in advance. You must book a round trip ticket and your stay must include a Saturday night. All flights must originate in the continental United States, Alaska or Hawaii. Interim stopovers of more than four (4) hours, and en route stopovers except to make direct connections, are not allowed, except for weather delays or other acts of “GOD.” The agency will always do their best to book the airline of your choice. NOTE: A $20.00 charge will be applied when booking companion tickets. 
5. If you choose (i) to book your flight within 14 days of departure, (ii) to book a one-way flight and/or (iii) not include a Saturday night stay, you may use the Rule Buster option (i.e., use additional points to bypass the program's restrictions described in the first 2 sentences of d. above). For example, if you wish to book a round trip ticket that does not include a Saturday night stay, you may use additional points to do so. The number of points used under the Rule Buster option will vary depending on the trip booked.
6. The agency will always do their best to book the airline of your choice. NOTE: A $20.00 charge will be applied when booking companion tickets.
7. Tickets for airline reward seats are limited to class of service/fare basis; capacity controlled and are subject to availability.   
   NOTE:  Specific seat assignments cannot be guaranteed. The agency will make their best effort to request your preference. However, we recommend following-up with the airline directly to ensure your seat request. When schedule changes occur, you must re-request a new seat assignment
8. Tickets will be issued for a scheduled, US-based airline based on the lowest fare available at the time of booking as displayed or published in a U.S. airline industry computer reservation systems such as Apollo.   
9. Neither Janney Montgomery Scott LLC, Affinion Loyalty Group nor Travelers Advantage Services maintains any control over the personnel, equipment or operations of any Travel Rewards Supplier. The passage contract in use by the airlines, and other carriers will constitute the sole contract between you/your travel companions and the carriers. The responsibility of any Travel Rewards Supplier to you/your travel companion is limited to the Travel Rewards Supplier's contractual and statutory liability as a common carrier.
10. Neither Janney Montgomery Scott LLC, Affinion Loyalty Group nor Travelers Advantage Services assumes any responsibility for, and will not be liable for, any financial loss, personal injury, property loss or damage, other loss, accident, delay, inconvenience, or irregularity which you and/or your guest may suffer by reason of any act, default, non performance or wrongful, careless, negligent, or unauthorized act or omission of any Reward Supplier, its employees, or any third party.
11. Please note the following travel recommendations:
1. Contact the carrier 24 hours prior to your departure to confirm you itinerary
2. Check in at least 2 hours prior to your departure for domestic flights; 3 hours prior to departure for international flights
3. Photo ID is required at check-in for all flights.  Passport required for all international travel (other documentation may be applicable). Most countries require a minimum of 6-month validity on your passport to travel.