Select goods or services in your Participating Retailer store or online site (where applicable) with a Gift Card and take them to the point of sale. The point of sale will instruct you to present your Gift Card, and then enter the Access PIN. The transaction will be completed when the balance has reduced on your Gift Card. No change will be given. Any Remaining Card Value can only be used in whole or part against future purchases. You agree that we can reduce the Remaining Card Value by the value of all purchases of goods and services that are authorised by you.