Those percentages are the rebate amounts that the retailer has agreed to discount to the Gene Grawe Fund. Basically, if a merchant has agreed to a 10% rebate, then the Gene Grawe Fund only pays that merchant $90 for a $100 gift card. The GGF then sells that gift card to someone for the full $100 thereby securing a $10 rebate that will be used to help fund the tuition awards.