This Gift Card is issued by and represents an obligation of Direct Consumer Services (“DCS”). The Gift Card may be redeemed for merchandise at any Gap, Old Navy, Banana Republic, or Athleta location, including Outlet and Factory stores. The Gift Card may also be redeemed online for merchandise at gap.com, oldnavy.com, bananarepublic.com, or athleta.com. If you return merchandise originally purchased with an Gift Card, any refund will be issued in the form of a plastic gift card issued by DCS which may be used at any of these stores or websites. Any merchandise purchased with an Gift Card is subject to the applicable store or online return policies. Purchases will be deducted from the amount of this Gift Card until the value reaches zero. This Gift Card may not be used or redeemed with certain promotional offers and may not be applied as payment on any account. You may not use an Gift Card to purchase other Gift Cards. Additional value may be added to this Gift Card at any Gap, Old Navy, Banana Republic or Athleta store. Redeemable for cash when the balance is less than $5 or as otherwise required by law. Restricted to use in the USA, Puerto Rico and Canada. By purchasing this Gift Card, you agree that the laws of the State of California, without regard to principles of conflict of laws, will govern this Agreement. Limit 5 Gift Cards redeemable per online transaction.