Terms of Service and Acceptable Use Policy

(“User Agreement”)

EFFECTIVE JUNE 1, 2012

The following terms and conditions (the “User Agreement”) apply to your access to and use of the PlanG Holdings, Inc. (“PlanG”) website located at www.myplang.com (the “Website”) and other online services made available by PlanG to donors, registrants, nonprofits, corporations, retailers, loyalty program owners, other related third parties, and other users of the Website (collectively, the “Users”).

Please read these Terms of Service and Acceptable Use Policy carefully before establishing a Giving account (as defined below) or otherwise using the Product or Website.

PlanG

PlanG helps individuals manage and grow their giving to the nonprofits they care about most through the PlanG Product (as described below). PlanG brings everyone with a charitable impulse together into one powerful giving community. That includes nonprofits, corporations, employers, retailers and determined individuals. We are creating sustainable philanthropy by providing a space where giving is easy and generous gestures go further than ever before.

At PlanG, it’s all about you. The causes you care about. How you want to give. Who you want to join forces with. PlanG lets you express your generosity in a way that’s more personal, more efficient, and more gratifying than anything you’ve experienced before.

PlanG has collaborated with Renaissance Charitable Foundation Inc. (“Renaissance”) to accept, hold and manage all deposits made into PlanG Giving accounts. Renaissance is an independent, 501(c)(3) publicly-supported charity. PlanG provides each Accountholder (as defined below) with a Giving account to manage all of their giving along with access to resources online that help Accountholders grow their giving by interacting with partners that help contribute to their Giving account. PlanG also provides extensive information about charities and affiliated/partner organizations, online communication tools, and online campaign tools that may or may not allow for personalization.

The PlanG Product

The PlanG Product is an online charitable giving service developed and provided by PlanG. Product Users who establish PlanG accounts (in each case, an “Accountholder”) are able to make Deposits (as defined below) as a gift to Renaissance Charitable Foundation Inc., which subsequently makes Donations (as defined below) to IRS qualified §501(c)(3) publicly-supported charities identified by the Accountholder through an internet platform (the “PlanG Platform”). Product Users can access the PlanG Platform through the Website.

As used in this User Agreement, the “Product” includes the PlanG Platform (including all associated hardware, software and networks), and all logos, designs, text, images, graphics, videos, software and other materials and content of PlanG or its licensors available through the Website, and the selection and arrangement thereof (collectively, “Content”). PlanG may, temporarily or permanently, change, suspend, terminate, discontinue or make improvements to any aspect of the Product or Content, including access and availability, at any time with or without notice to you. You agree that PlanG will not be liable to you or any third party for any changes to, or suspension or discontinuance of the Product. New functionality or features that enhance the Product are also part of the Product.

The Website is offered free of charge to Accountholders and provides information and services to help users manage and grow their giving to the nonprofits they care about most. www.myplang.com is offered under the express condition that users agree to be bound by the terms and conditions set forth in this User Agreement. PlanG reserves the right to change these terms and conditions at any time, without notice, and users must consult the most recent version of this User Agreement each time they view the Website. Use of the Website constitutes your acceptance of all of the following terms and conditions, in their current form or as modified.

Registration; Account Security

If you choose to apply to become an Accountholder, you agree to provide accurate, true, current and complete information about yourself and for each Deposit, and to maintain and update your Giving account information promptly to keep it accurate, true, current and complete.

You will establish a user ID (your email address) and password for your PlanG giving account (a “Giving account”). Your password helps to ensure that only you, or someone you have authorized to use your Giving account (by giving them your Giving account login information), has access to your account. You are responsible for the use of your Giving account and must make sure that such use or access to your Giving account complies with this User Agreement. For your protection, keep your password in a secure place.

Renaissance Charitable Foundation, Inc.

PlanG offers you a way to make donations (each, a “Donation”) to charities of your choosing through Renaissance. Each time you use the Website or submit Deposit information on the Website, you agree to this User Agreement, including without limitation this Section. You understand that your Deposit is being made to Renaissance Charitable Foundation, Inc., a nonprofit sponsoring organization of donor advised funds, which will distribute the net proceeds of your Deposit to the nonprofit organization(s) that you indicated, as more fully described in this User Agreement.

For PlanG, a “Deposit” is any contribution to a PlanG Account including transfers made by individuals, trusts, organizations and retailers. Every Deposit is a gift to Renaissance Charitable Foundation Inc. To the extent a Deposit is a gift, the person making the Deposit may be entitled to claim an income tax charitable deduction with respect to the Deposit.

As required by the Internal Revenue Service (“IRS”) and described more particularly in the two paragraphs below, Renaissance has exclusive legal control over the Giving account, including all Deposits and Donations. In the rare event that a charity you have recommended to receive a Donation from Renaissance does not satisfy Renaissance’s criteria for receiving donations (i.e., it has been classified by the IRS as a disqualified supporting organization, it cannot or does not accept donations, it is not recognized by the IRS as a publicly-supported charity, or it is not in good standing with federal and state regulators), Renaissance will attempt to contact you by email for an alternate recommended charity (see below for more information). If you have questions about your Deposits or Donations, please contact a customer service representative at
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Your Deposits are solicited, collected, received and processed by Renaissance, a publicly-supported charity as defined in §§501(c)(3), 509(a)(1) and 170(b)(1)(A)(vi) of the Internal Revenue Code (the “Code”). PlanG is not soliciting contributions or Deposits from the public nor will it solicit contributions from the public for the purposes of making Donations for the benefit of charities. Deposits to an Accountholder’s Giving account are made directly to Renaissance, and the Accountholder can recommend a publicly-supported charity to receive a donation from Renaissance. Generally, Renaissance will Donate the deposited amount (less an administrative fee described below) to the charity recommended by the Accountholder.

As a “sponsoring organization” under §4966(d)(1) of the Code, Renaissance will maintain donor advised funds for PlanG’s account. Deposits to Renaissance made pursuant to the terms of this User Agreement shall be held in such donor advised fund accounts. You should note that while an Accountholder may make a recommendation as to the recipient of his, her or its charitable contribution to Renaissance, Renaissance has exclusive legal control over the assets contributed to it by an Accountholder and is not required, therefore, to carry out any such Accountholder’s recommendation. The Accountholder acknowledges and agrees that he, she or it has received, reviewed and accepted Renaissance’s Donor Circular in connection with such Accountholder’s charitable contribution to Renaissance. The Donor Circular is included for your information in its entirety at the end of this User Agreement.

The following disclosure notices are required by state charitable solicitation laws:

(1) FLORIDA: A COPY OF THE OFFICIAL REGISTRATION AND FINANCIAL INFORMATION MAY BE OBTAINED FROM THE FLORIDA DIVISION OF CONSUMER SERVICES BY CALLING TOLL-FREE (1-800-435-7352) WITHIN THE STATE. REGISTRATION DOES NOT IMPLY ENDORSEMENT, APPROVAL, OR RECOMMENDATION BY THE STATE OF FLORIDA. OUR FLORIDA REGISTRATION NUMBER IS CH13085. (2) MARYLAND: A copy of the current financial statement of Renaissance Charitable Foundation Inc. is available by writing 6100 W. 96th St., Suite 105, Indianapolis, IN 46278 or by calling (866) 803-0389. Documents and information submitted under the Maryland Solicitations Act are also available, for the cost of postage and copies, from the Maryland Secretary of State, State House, Annapolis MD 21401, (410) 974-5534. (3) MISSISSIPPI: The official registration and financial information of Renaissance Charitable Foundation Inc. may be obtained from the Mississippi Secretary of State’s office by calling 1‑888‑236‑6167. Registration by the Secretary of State does not imply endorsement by the Secretary of State. (4) NEW JERSEY: INFORMATION FILED WITH THE ATTORNEY GENERAL CONCERNING THIS CHARITABLE SOLICITATION AND THE PERCENTAGE OF CONTRIBUTIONS RECEIVED BY THE CHARITY DURING THE LAST REPORTING PERIOD THATWERE DEDICATED TO THE CHARITABLE PURPOSE MAY BE OBTAINED FROM THE ATTORNEY GENERAL OF THE STATE OF NEW JERSEY BY CALLING (973) 504-6215 AND IS AVAILABLE ON THE INTERNET AT www.njconsumeraffairs.gov. REGISTRATION WITH THE ATTORNEY GENERAL DOES NOT IMPLY ENDORSEMENT. (5) NEW YORK: A copy of the current financial statement of Renaissance Charitable Foundation Inc. may be obtained by writing 6100 W. 96th St., Suite 105, Indianapolis, IN 46278 or by writing the New York State Attorney General’s Charities Bureau, Attn: FOIL Officer, 120 Broadway, New York, New York 10271. (6) NORTH CAROLINA: Financial information about this organization and a copy of its license are available from the NORTH CAROLINA State Solicitation Licensing Branch at (919) 807-2214. The license is not an endorsement by the State. (7) PENNSYLVANIA: The official registration and financial information of Renaissance Charitable Foundation Inc. may be obtained from the Pennsylvania Department of State by calling toll free, within Pennsylvania, 1-800-732-0999. Registration does not imply endorsement. (8) VIRGINIA: A copy of the current financial statement of Renaissance Charitable Foundation Inc. is available upon request by writing the Office of Consumer Affairs, Department of Agriculture and Consumer Services, P.O. Box 526, Richmond, VA 23218-0526. (9) WASHINGTON: A copy of the current financial statement of Renaissance Charitable Foundation Inc. may be obtained from the Office of the Washington Secretary of State by calling toll free 1-800-332-4483. (10) WEST VIRGINIA: West Virginia residents may obtain a summary of the registration and financial documents from the Secretary of State, State Capitol, Charleston, West Virginia 25305. Registration does not imply endorsement. (11) WISCONSIN: A copy of the latest financial report filed with the Wisconsin Department of Regulation and Licensing may be obtained by writing to Renaissance Charitable Foundation Inc. REGISTRATION DOES NOT IMPLY ENDORSEMENT, APPROVAL OR RECOMMENDATION BY THE STATE.

Deposits

If you wish to make a Deposit to Renaissance through the Website, you will be asked to supply certain information relevant to your Deposit, including without limitation your credit card number or other payment account number, and your billing address. YOU REPRESENT AND WARRANT THAT YOU ARE EIGHTEEN (18) YEARS OF AGE OR OLDER AND HAVE THE LEGAL RIGHT TO USE ANY PAYMENT MEANS USED BY YOU TO INITIATE ANY DEPOSIT. By submitting such information, you grant PlanG or its payment processor the right to provide such information to third parties for purposes of facilitating the completion of Deposits initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Deposit or Donation. PlanG reserves the right, at its sole discretion, to refuse or cancel any Deposit or Donation for any reason. PlanG or its payment processor may automatically process charges against your selected payment method on the receipt page. PlanG or its payment processor will inform you if all or any portion of your Deposit or Donation is canceled or if additional or different information is required to accept your Deposit or Donation.

Your full Deposit (including the administrative fee), is tax deductible to the fullest extent permitted by law. Please consult with a professional tax advisor for details regarding tax deductibility for your particular Deposit.

Your Deposits and Donations are final and irrevocable. PlanG, on behalf of Renaissance, will attempt to contact you by email for an alternate recommended charity if the charity you initially recommend does not or cannot accept the Donation. If PlanG cannot contact you via email or does not receive a response to the email it sends within 30 days, it will work with Renaissance to select another charity with a similar mission and which Renaissance and PlanG believe meets high public standards.

Fees

For each Deposit you make to Renaissance, an administrative fee of 4.95% plus bank transaction fees are deducted to cover processing, administrative and other fees and costs of managing, processing and disbursing the Deposits and Donations made using the Product. PlanG may change the administrative fee from time-to-time, and will attempt to give you notice of any changes to the fee or other financial terms of this User Agreement.

Privacy

Please visit www.myplang.com/privacypolicy for more information about PlanG’s privacy practices (the “Privacy Policy”). The Privacy Policy further explains how PlanG gathers, uses and shares your personal information in connection with the Website and the Product, including information that you may submit in connection with making a Deposit or Donation. The Privacy Policy is incorporated into this User Agreement by reference and made a part of this User Agreement as if fully reproduced herein.

Registered User Conduct and Acceptable Use

PlanG assumes no responsibility for the accuracy of any information, opinions or ideas posted to the Website by Users and is not liable for any claims, losses or damages resulting from such information, opinions and ideas. If you post any materials, information or content on the Website, you authorize PlanG to use and publish such materials, information or content in any manner we choose and with no obligation to compensate you or anyone else for the use.

When accessing or using the Product, you agree not to: (i) use the Product for commercial purposes, (except that non-profit Users may use the Product in conjunction with their operations), (ii) interfere with the security of or abuse the Product or any other User’s enjoyment of the Product, or (iii) attempt to gain unauthorized access to restricted portions of the Product. You also agree to comply with all applicable local, state and federal and international laws and regulations.

You agree to notify PlanG immediately if you suspect fraudulent, abusive or illegal activity, or any activity which violates this User Agreement. You agree to cooperate with PlanG in any investigation of such activity.

You understand that all information, data, text, photographs, graphics, messages, or other materials publicly posted on the Website by third parties (“Public Content”) is the sole responsibility of the person from which such content originated. This means that you, and not PlanG, are responsible to evaluate and to bear all risks and liabilities for all Public Content that you upload, post, email, transmit or otherwise make available via the Website or the Product.

You agree to not use the Website or the Product to:

. upload, post, email, transmit or otherwise make available any content, including Public Content, that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party;

. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation. (Posting the same message more than once can be considered “spam” or “spamming”);

. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

. upload, post, email, transmit or otherwise make available any content, including Public Content, that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;

. impersonate any person or entity, including, but not limited to, a PlanG official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;

. forge headers or otherwise manipulate identifiers in order to disguise the origin of any content, including Public Content, transmitted through the Website or the Product;

. disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Website or the Product are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges;

. intentionally or unintentionally violate any applicable local, state, national or international law;

. “stalk” or otherwise harass another; or

. harvest or otherwise collect or store personal data about other users.

You acknowledge that PlanG and its designees have the right (but not the obligation) in their sole discretion to refuse, move, edit, or delete any Public Content that is available via the Website or the Product. PlanG and its designees shall have the right to remove any Public Content regardless of whether such communication(s) violate this User Agreement. You acknowledge and agree that PlanG may preserve Public Content and may also disclose Public Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the User Agreement; (c) respond to claims that any Public Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of PlanG, its Users and the public.

Accountholder Services
PlanG provides its Accountholders with a suite of programs, products and services that will enable Accountholders to earn dollars for their Giving account. You can find information regarding its product and service offerings at www.MyPlanG.com/shop. PlanG may offer access to additional or different programs from time to time. PlanG is not responsible for the terms and conditions of any such programs and the availability of such programs may change from time to time. PlanG encourages you to review the terms and conditions of such programs prior to participating in such programs or using the related products or services.

No Endorsement

You acknowledge that the opinions and recommendations contained in this Website are not necessarily those of PlanG or endorsed by PlanG or its partners. PlanG may provide links on the Website to other websites which are not under the control of PlanG. In general, any website which has an address (or URL) which does not contain “PlanG.com” is such a website. These links are provided for convenience of reference only and are not intended as an endorsement by PlanG of the organization or individual operating the website or a warranty of any type regarding the website or the information on the website.

PlanG does not qualify, review, or endorse any charity that may be recommended in connection with use of the Product, other than Renaissance Charitable Foundation Inc.

Proprietary Rights

All rights, title and interest in and to the Product, all trademarks and service marks appearing on the Website, including without limitation the PlanG logo, are owned by PlanG, its licensors or Renaissance and protected under applicable trademark, copyright and other proprietary and intellectual property rights. Except as expressly provided for in this User Agreement, you may not reproduce, republish, create derivative works from, upload, post or distribute the Product or the Content without the prior written permission of PlanG. You are not authorized to use any of PlanG’s or any other third party’s logos, trademarks, service marks or domain names.

PlanG respects the rights of all copyright holders. Please notify PlanG if you believe your work has been copied in connection with your use of the Website or the Product in a way that constitutes copyright infringement. Note that any person who knowingly materially misrepresents that activity or material is infringing may be liable for damages, including attorneys’ fees and costs.

Warranties and Disclaimers

You agree to assume all risk and responsibility for your use of the Product (including, without limitation, any Deposit or Donation made to Renaissance), to the fullest extent permitted under applicable law. THE PRODUCT, IN WHOLE AND IN PART, IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, PLANG MAKES NO WARRANTY: (A) THAT YOUR USE OF THE PRODUCT WILL MEET YOUR REQUIREMENTS; (B) THAT THE PRODUCT WILL FUNCTION AS INTENDED OR WILL BE UNINTERRUPTED OR ERROR- FREE; (C) THAT THE PRODUCT WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS; (D) THAT DEFECTS OR ERRORS IN THE PRODUCT WILL BE CORRECTED; (E) THAT TRANSMISSIONS THROUGH THE PRODUCT WILL BE SECURE; (F) THAT DATA COLLECTED, STORED OR PROCESSED THROUGH THE PRODUCT WILL BE SECURE OR ERROR-FREE; (G) REGARDING THE ACCURACY OR COMPLETENESS OF INFORMATION STORED IN CONNECTION WITH THE PRODUCT, INCLUDING, WITHOUT LIMITATION, DEPOSIT AND DONATION HISTORY; (H) THAT DONATIONS WILL BE DISTRIBUTED TO YOUR RECOMMENDED CHARITY; (I) AS TO THE QUALITY, ACCURACY, COMPLETENESS AND VALIDITY OF ANY INFORMATION OR MATERIALS YOU RECEIVE IN CONNECTION WITH THE PRODUCT, INCLUDING, WITHOUT LIMITATION, INFORMATION REGARDING BENEFITING CHARITIES; (J) AS TO THE GOODS OR SERVICES PURCHASED FROM MERCHANTS IN RELIANCE ON INFORMATION STORED IN CONNECTION WITH THE PRODUCT; and (K) AS TO RENAISSANCE’S PERFORMANCE IN CONNECTION WITH THE PRODUCT.

Indemnification

You agree to defend, indemnify and hold harmless PlanG, Renaissance and their affiliates and any of their respective shareholders, members, directors, officers, employees, authorized agents, vendors or service providers from any liability, claim, demand, or loss, including costs and reasonable attorneys’ fees, made by a third party due to, arising out of or in connection with your use of the Product, breach of this User Agreement, violation of applicable laws or the rights of another person or entity.

This indemnification obligation includes, but is not limited to, information or materials viewed or downloaded from this Website or another website to which it is linked that appear to you or are construed by you to be obscene, offensive, defamatory, or that infringe upon your intellectual property rights. In no event will PlanG or Renaissance or the contributors of information to this Website be liable to you or anyone else for any decision made or action taken by you in reliance on such information or for any consequential, special or similar damages, even if advised of the possibility of such damages.

PlanG reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you.

Force Majeure

Neither you nor PlanG will be liable for any delay or default in performance of its obligations under this User Agreement if and to the extent such delay or default is caused by flood, fire, earthquake, acts of God or elements of nature, riots, civil disorders or any other similar cause beyond the reasonable control of such party.

Term and Termination

You may terminate your use of the Website or the Product at any time. Likewise, PlanG may suspend or terminate your access to or use of Website or the Product immediately at any time without obligation or notice to you for any other reason, including violation of this User Agreement, or for no reason, as determined by PlanG, in its sole discretion. Upon suspension or termination, you must immediately stop using the Website or the Product.

The following sections: The PlanG Product, Registration; Account Security, Proprietary Rights, Registered User Conduct and Acceptable Use, Warranties and Disclaimers, Jurisdiction; Disputes, Indemnification, Term and Termination, and Miscellaneous, and any other provisions that should survive termination by their nature shall survive any termination of your use of the Product.

Jurisdiction; Disputes

To the fullest extent permitted by law, you agree that: (a) all disputes, causes of action and claims arising out of, or in connection with PlanG or this User Agreement will be governed by and construed in accordance with the laws of the Commonwealth of Virginia, excluding only its conflict of law provisions, and will be resolved individually, without resort to any form of class action, exclusively within the federal and state courts residing within the City of Richmond, Commonwealth of Virginia, and you waive any jurisdictional venue or inconvenient forum objections to such courts; (b) any and all claims, judgments, liabilities and/or awards shall be limited to actual out-of-pocket costs incurred, including costs associated with your use of the Product, but in no event will attorneys’ fees be due or payable; and (c) under no circumstances will you be permitted to obtain awards for, and you hereby waive, all rights to claim, punitive, special, incidental and/or consequential damages and any other damages, other than out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of PlanG, the Product or the Website, exploitation of any information or other materials issued in connection therewith, or exploitation of the Product or the Website or any content or other material used or displayed through the Product.

Miscellaneous

Nothing in this User Agreement will be construed as creating a partnership, joint venture, employment or agency relationship between you and PlanG. You do not have any authority to make any representation or create any obligation on PlanG’s behalf. Any provision of this User Agreement that is determined to be invalid or unenforceable will be deleted and replaced with a valid and enforceable provision which achieves, to the extent possible, the same objectives as the severed provision was intended to achieve. The remaining provisions of this User Agreement will continue in full force and effect. No failure of PlanG to enforce or exercise any of its rights under this User Agreement will act as a waiver of such rights. You may not assign or otherwise transfer any right or other obligation set forth in this User Agreement without PlanG’s prior written consent. This User Agreement is binding on the parties’ respective successors and permitted assigns. This User Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto with respect to the subject matter of this agreement are expressly canceled.

Renaissance Charitable Foundation Donor Circular

This Program Circular (“Circular”), which details PlanG’s donor advised fund in Renaissance, is intended to assist you in understanding the benefits of the program as well as the important policies, procedures, rules and restrictions associated with establishing and maintaining an account within PlanG. All activities of a PlanG Giving account and donor participation in the program are subject to the terms and conditions of this Circular. Renaissance reserves the right to modify the program and this Circular at any time. In the event of any such modification, this Circular will be updated and published on the PlanG’s website at https://www.myPlanG.com

The PlanG Giving account is not limited to U.S. donors. Nevertheless, all figures in this Circular are in U.S. dollars.

INTRODUCTION TO THE DONOR ADVISED FUND

A PlanG Giving account is a separate fund owned and held by Renaissance — a publicly-supported charity under the Code. For more information about Renaissance, see above.

When PlanG creates a Giving account it means that you are creating a donor advised fund account. A donor advised fund account is a charitable giving vehicle administered by a sponsoring organization (Renaissance) and created for the purpose of managing charitable deposits and donations on behalf of an organization, family or individual. A donor advised fund account offers you the opportunity to create an easy-to-establish, low cost, flexible vehicle for charitable giving as an alternative to direct giving or creating a private foundation. Donors enjoy administrative convenience, cost savings and tax advantages by conducting their charitable giving through the fund. A donor advised fund account is not a private foundation as that term is defined by the Code.

PlanG’s Giving account is a charitable vehicle that offers individuals and groups the flexibility to fund an account with tax-deductible Deposits and then recommend Donations to benefit publicly-supported U.S.-based charities in good standing at a time convenient to you, the donor advised fund account holder. A donor advised fund account can provide tax benefits, accounting conveniences and simplified charitable giving. Deposits to a PlanG Giving account can be made at any time, are irrevocable and are immediately tax deductible to the fullest extent provided by U.S. law.*

* Availability of certain U.S. federal income tax deductions are limited to U.S. donors and may depend on whether you itemize deductions or not. Rules and regulations regarding tax deductions for charitable giving vary at the state level. Please check with your tax advisor. Tax deductions discussed herein refer specifically to U.S. federal taxes.

ATTRIBUTES OF A DONOR ADVISED FUND

PlanG Giving Accountholders have the opportunity to:

Make irrevocable charitable Deposits to the PlanG Giving account from a member’s own credit card or via ACH from a checking or savings account;

Drive Giving account dollars to the PlanG Giving account through purchases at retail stores who are participants in the PlanG program;

Recommend Donations to a broad selection of qualified United States-based publicly-supported charities that are IRS-approved, and in good standing, anywhere in the United States, on your own timetable; and

Receive an immediate tax deduction up to the maximum allowed by law for contributions to publicly-supported charities.

All Deposits and Donation recommendations are subject to the review and approval of Renaissance and its Board of Directors. Renaissance Directors may delegate any of their powers and authority under this program to employees or representatives of Renaissance.

ESTABLISHING AN INDIVIDUAL ACCOUNT

An individual’s Giving account is expected to remain in operation for the lifetime of the donor. However, if your account remains inactive for eighteen (18) or more consecutive months at any time, your Giving account will be terminated and the funds in the account may be distributed by Renaissance and PlanG in accordance with their operating procedures.

Eligible Parties Any individual located anywhere in the world may be a PlanG Giving Accountholder.
Opening Unlike most other donor advised funds which require a minimum Deposit, there is no minimum Deposit to open a donor advised fund account using PlanG. The account can be established by completing an online application (found at www.myPlanG.com).
Successors In the event of death or incapacitation of the holder of a PlanG Giving account, the next of kin may contact PlanG at the address provided at the end of this Circular to obtain the login credentials to the account in order to disburse the funds. Sufficient proof of death or incapacitation must be provided.

DEPOSITS TO ACCOUNTS

Deposits may be made by credit card, debit card or ACH via the PlanG website at www.myPlanG.com. Additional funds in your PlanG Giving account may be obtained by purchasing merchandise from any of our retail partners. Dollars that are earned through retail partners will appear in your account balance at www.myPlanG.com and will be held by Renaissance until you have designated a qualified charity to receive them or the account has been terminated in accordance with the terms and conditions set forth in this Circular.

Though PlanG attempts to show all Deposits as quickly and accurately as possible in a User’s Giving account on the PlanG Website, there may be a delay with some transactions. In particular, transactions involving retail partners may take up to forty-five (45) days to accrue in your account due to restrictions established by the retailers. Such transactions will appear in your account labeled as “pending” until the retailer indicates that the transaction has cleared.

** PlanG Holdings, Inc. is a for-profit corporation which has a services agreement with Renaissance. PlanG Holdings, Inc. is also the holding company for all PlanG intellectual property.

DEPOSITS ARE IRREVOCABLE

Once a Deposit is accepted, it is an irrevocable charitable contribution to Renaissance. Accepted deposits from retailers are not refundable. In addition, if you receive dollars from shopping with our PlanG retailers, returning the merchandise will cause your PlanG Giving account to be debited the amount that was previously deposited on your behalf by any of our retailers.

CHARITABLE INCOME TAX DEDUCTION

If you are a U.S. taxpayer, you will be eligible for an itemized U.S. income tax charitable deduction on the date that you make your deposit to a PlanG Giving account, subject to applicable limits under federal law. If you are not a U.S. taxpayer, you may be eligible for such a deduction as a claim against U.S.-sourced taxable income. As always, you should consult your legal or tax advisor about your personal situation. Rewards dollars earned by shopping at retail partners may not be deducted from your taxable income.

Your deduction is for the amount of your deposit made via credit card. Any refuted charges to the credit card that are reversed are not eligible and amounts previously credited to your account balance will be withdrawn.

NON-INTEREST BEARING ACCOUNTS

All PlanG Giving accounts are non-interest bearing for the Accountholder.

RECOMMENDING A DONATION

As a PlanG Giving Accountholder, you may recommend Donations from your PlanG Giving account to qualified charitable organizations. Donation recommendations can be made online via the PlanG Website at https://www.myPlanG.com. You may request a Donation for any charity that is listed on the PlanG Website. PlanG retrieves its list of eligible charities from the GuideStar® database (www.guidestar.org) and/or IRS Publication 78. Only eligible charities will be listed on the PlanG Website.

Renaissance will review your completed and submitted recommendation. Renaissance reserves the right to deny a Donation recommendation and will notify you generally within 3-5 business days of the denial and request a recommendation for a Donation to an alternative charitable organization.

Donations are processed on a bi-weekly basis if the aggregate amount to be donated to an individual charity is at least $25.00. If other members have requested Donations to the same eligible charity(ies), these Donations are aggregated and one payment is made to the charity(ies). Charities will receive payment for the full, aggregate amount from Renaissance. Due to the costs associated with processing small donations, Renaissance reserves the right to reserve disbursement of funds until the aggregate sum is greater than $25.00.

DONATION AMOUNT AND NUMBER LIMITS

Amount

PlanG will consider Donation recommendations of any value. You are not permitted to make a Donation recommendation for an amount greater than your PlanG Giving account balance. If the amount of a Donation recommendation exceeds the balance of a PlanG Giving account, PlanG will offer the Accountholder an option to pull funds from an existing debit or credit card or use ACH to fulfill the full Donation request.

Number of Donations

PlanG Giving accounts allows Accountholders to recommend an unlimited number of Donations in any fiscal year (January 1 –December 31).

MINIMUM DONATION ACTIVITY

A PlanG Giving account is inactive if over the course of eighteen (18) months there is no activity in the account such as logging in, making a Donation, or earning dollars by shopping at retail partners. We will make every reasonable effort to contact the Accountholder via e-mail prior to end of the eighteen (18) months and encourage him/her to engage in some activity with the account. If the Accountholder(s) does not respond, we will distribute 100% of the account balance in accordance with Renaissance and PlanG’s operating procedures.

DONATION RESTRICTIONS

U.S. Publicly-Supported Charities Donations can be made only to U.S. publicly-supported charities that are IRS approved 501(c)(3) organizations in good standing. Donations cannot be made to private foundations, supporting organizations or any charity not listed on the PlanG Website.

Non-U.S. Charitable Organizations A PlanG Giving account does not distribute Donations to non-U.S. charitable organizations. It may, however, make Donations to international organizations that are registered in the U.S. or IRS-approved U.S. publicly-supported charities that fund and exercise expenditure responsibility over foreign charitable activities.

Pledges & Private Benefit, Etc. Donations may not be used to pay any pre-existing pledge or to create any private benefit (such as school tuition or scholarships sent directly to individuals), dues, membership fees, benefit tickets, or goods bought at charitable auctions. Donations also may not be used for lobbying, political contributions, or to support political campaign activities.

Currently, scholarship grants may be made to an educational institution generally and then applied, by the institution, toward a student’s education. Scholarship grants cannot follow a particular student chosen by the PlanG Giving Accountholder. The PlanG Giving Accountholder may not choose the individual who receives the scholarship.

Renaissance and PlanG will reject any Donation recommendation for improper purposes and will take remedial action if PlanG discovers that improper Donations have been made. Action may include, but not be limited to, requiring that the Donation be returned or that the donor make an additional non-deductible Deposit.

RECORD KEEPING AND REPORTING

PlanG will provide confirmations of all PlanG account transactions, usually within one business day after the transaction. Deposit confirmations serve as your receipts. Because the IRS requires receipts, they should be kept with your tax records.

SERVICE PROVIDERS, FEES AND EXPENSES

Renaissance maintains the Donor-Advised Fund for PlanG and is responsible for approving, accepting Deposits and disbursing Donations, made through www.myPlanG.com. Renaissance is soliciting contributions and will, in substantially all cases, pay the amount of each Deposit it receives from a donor (less an administrative fee) to the charity recommended by the donor.

PlanG Giving Accountholders may access their account online by logging into www.myPlanG.com with the username and password created at signup. Your account at www.myPlanG.com allows you to:

See the cash balance of the account (money that you have deposited via credit card or ACH) or through personal fundraising campaigns;

See the Deposits you have earned from retail partners;

Recommend Donations to charities; and

Review the status of Donations that have been recommended.

The Website also has general information for potential account holders and an online application.

FOR ADDITIONAL INFORMATION

Please contact Renaissance Donor Advised Fund at
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Information concerning Renaissance, including financial or charitable purposes(s) may be obtained, without cost, by writing to its principal place of business at the following address:

Renaissance Charitable Foundation Inc.

6100 W. 96th St., Suite 105

Indianapolis, IN 46278

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