Initiative Name

Always On

Promotor

The Bank of N.T. Butterfield & Son Limited (the “Bank”)
65 Front Street
Hamilton HM 12,
BERMUDA

Website

https://mcrewards.butterfieldgroup.com/betterbenefits/BM/

Acceptance

Entry into the promotion constitutes acceptance of these terms and conditions (“Terms”). In case of any inconsistency between these Terms and any other published material, these Terms prevail.

Initiative Period

The Promotion will take place during the following period:
Start: January 5th, 2026, 12:01AM, Bermuda time
End: December 31st, 2026, 11:59 PM, Bermuda time
No promotions will be accepted outside this period.

Eligibility Guidelines

The promotion is open to natural persons who are legal residents of Bermuda and eighteen (18) years of age or older. Participants must be residents of Bermuda at the time of entry and must hold a personal debit or credit Mastercard issued by The Bank of N.T. Butterfield & Son Limited.

To qualify, the cardholder’s account must be in good standing, and their contact information (address, email, and phone number) must be up to date at the time of entry and at any point of validation.

Corporate, business, or other non-personal cardholders are excluded from this promotion.

Details of Promotion

The promotion consists of a series of exclusive offers for Butterfield Mastercard cardholders across select merchants in Bermuda (the “Promotion”). Unless otherwise stated, the benefits are available to all Butterfield Mastercard credit and debit cardholders and must be redeemed by using a Butterfield Mastercard credit or debit card at the participating location.

The following benefits are included in this promotion:

• Magnum Power Force Gym: Receive an $80 discount on the first month of the membership selected at Magnum Power Force Gym. The offer is valid for memberships purchased and paid for between 5 January 2026 and 16 February 2026, using a valid Butterfield Mastercard credit or debit card.
• Bermuda Restaurant Weeks: Receive $10 off when you spend $60 or more in a single transaction using your Butterfield Mastercard at participating merchants. The offer is valid every Saturday from January 16 through February 16, 2026, during dinner hours, at the following restaurants: Crown & Anchor (Hamilton Princess), The Pickled Onion, Huckleberry (Rosedon Hotel), Sunken Harbour Club (Cambridge Beaches), The Pink Beach Club (The Loren) and, The Astwood Arms.

Participating establishments are subject to their own terms and conditions of service, and it is the responsibility of the promotion beneficiary to comply with them. Offers may be subject to availability and limited capacity. For full details, please review the terms and conditions of each merchant on the promotion landing page.

Unless otherwise specified in these Terms, the offers are non-refundable, non-transferable, non-exchangeable, and cannot be redeemed for cash. All offers must be accepted as presented. No modifications will be permitted, except as provided in these Terms. The Bank is not responsible for any benefits that are lost, unavailable, declined, or tampered with in any way.

NOTWITHSTANDING THE FOREGOING, THE BANK RESERVES THE ABSOLUTE RIGHT TO WITHHOLD OR CANCEL THE PROMOTION FOR ANY REASON.

Statement of Availability

Availability of benefits under this campaign may vary by merchant and is subject to specific conditions including limited quantities, designated days and times, and cardholder tier eligibility. Some benefits may require advance registration or booking through the campaign landing page and are offered on a first-come, first-served basis.

Certain offers are only valid during specific activations or event editions, while others are redeemable exclusively within predefined hours or days of the week. The Bank does not guarantee benefit availability at any given time and reserves the right to modify, suspend, or withdraw any benefit without prior notice.

For complete details regarding the availability and conditions of each benefit, cardholders are encouraged to consult the individual terms and conditions listed on the campaign landing page.

Redemption Process

Cardholders must use their valid Butterfield Mastercard to redeem benefits at participating merchants or platforms as outlined in the campaign details. Some benefits require advance registration or booking through the campaign landing page to qualify for redemption.

Redemptions will be honored according to the terms and conditions of each offer and are subject to verification by the merchant or platform. The Bank and merchants reserve the right to refuse redemption if eligibility criteria are not met or if the promotion has ended or reached capacity.

Cardholders are responsible for following any specific redemption instructions and timelines indicated for each benefit. The Bank is not responsible for any failed or denied redemptions caused by non-compliance with these instructions or by technical issues outside its control.

Anti-Fraud Rules

Reproduction, sale, or any other unauthorised use of the benefits or promotional codes is strictly prohibited. Any attempt to manipulate or abuse the promotion will result in immediate disqualification.

Suspected Tampering of Promotion

If this campaign cannot be conducted as planned for any reason, including unauthorised intervention, fraud, or any other cause beyond the Bank’s control that compromises the administration, security, fairness, integrity, or proper conduct of the campaign, the Bank reserves the right (subject to applicable law), at its sole discretion, to cancel or disqualify any participant reasonably suspected of tampering with the promotion.

Warranties

To the greatest extent permitted by law, the Bank excludes all warranties, representations or guarantees (“Warranties”) regarding the promotion, including any Warranties which may have been made while advertising or promoting the initiative. The conduct of the initiative may involve third parties, and the Bank makes no Warranties and disclaims all liability in connection with any such third parties, their acts, or omissions.

By entering the initiative, an entrant releases and indemnifies the Bank and its related bodies corporate (including the officers, employees and agents of each) from and against all actions, penalties, liabilities, claims or demands the entrant may have against the Bank or that the Bank may incur for any loss or damage which is or may be suffered or sustained as a direct or indirect result of an entrant entering or participating in the initiative, except for any liability which cannot be excluded by law or which would cause any part of this clause to be void or unenforceable.

Privacy Policy

The Bank collects your information to include you in this initiative. Collection, use, disclosure and retention of your personal information is governed by the Bank’s Privacy Policy which can be found on the Bank’s public website at: https://www.butterfieldgroup.com/privacy-notice

Social Media

From time to time the Bank may use Facebook, YouTube, Instagram, TikTok, or Snapchat collectively, (“Social Media Providers”) to advertise or promote the Promotion and any prize winner of the Promotion. By entering the Promotion, entrants agree that the Promotion is in no way sponsored, endorsed or administered by, or associated with any Social Media Provider and to release the Social Media Providers from all liability in relation to the Promotion. Any questions, comments or complaints regarding the Promotion should be directed to the Bank and not the Social Media Providers.

Governing Law

The promotion and these Terms will be governed by the law of Bermuda. Entrants accept the non-exclusive jurisdiction of courts and tribunals of Bermuda in connection with disputes concerning the promotion.

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