EARNIN PARTNERSHIP REWARDS TERMS OF SERVICE

Cash Out and EarnIn Card Rewards Programs

These EarnIn Partnership Rewards Terms of Service (the "Partnership Rewards Terms") govern the reward program described below that are offered in connection with the Cash Out and EarnIn Card features of the EarnIn mobile application (the "App") and related services (collectively, the "Services") provided by Activehours, Inc. ("EarnIn," "we," "us," or "our") to new customers that join EarnIn as part of the Partnership Rewards Program made available through your EarnIn Partner. These Partnership Rewards Terms are only applicable to those Members invited to participate in this program by an eligible EarnIn Partner.

A new customer of EarnIn referred to as "Member," "member," "you," or "your."

A "EarnIn Partner" is an affiliate partner for EarnIn that promotes EarnIn's products (like Cash Out, EarnIn Card or other financial wellness features) to their own audience and may earn a commission or referral fee for each qualifying user who signs up or takes a specified action (e.g., activates an account or completes a first cash out) through their unique referral link or code.

These Partnership Rewards Terms supplement, and are incorporated by reference into, the EarnIn General Terms of Service, and are in addition to the agreement you have with our applicable bank partner, including:

Evolve Bank & Trust — for Tip Yourself, specifically, the Cash Out User Agreement, and Tip Yourself Agreement;

— for EarnIn Card, specifically, the Cardholder Agreement and Security Agreement for the EarnIn Card; and

Lead Bank — for Savings Jar, specifically, the Cash Out User Agreement and Lead Bank Customer Account Terms

(each, "Bank Partner Terms") (collectively with the EarnIn General Terms of Service, the "Terms").

Capitalized terms not defined in these Partnership Rewards Terms have the meanings given to them in the EarnIn General Terms of Service.

Important: EarnIn is a financial technology company and is not a bank. EarnIn does not itself provide banking services. Banking services described in these Partnership Rewards Terms — including deposit accounts, FDIC insurance, and card issuance — are provided by EarnIn's Bank Partners, on the products identified below. Cash Out is not a banking product and is not provided by a Bank Partner.

No Bank Sponsorship: Neither Evolve Bank & Trust nor Lead Bank sponsor or administer the Partnership Rewards Program and neither is responsible for the funding, eligibility determination, or handling disputes regarding the Partnership Rewards Program.

The reward programs described in these Partnership Rewards Terms are available only to eligible EarnIn new Members who meet the requirements set forth for each program below. Already existing EarnIn members are not eligible to participate in this rewards program.

This offer is valid for new EarnIn Members only.

To receive a cash reward in the amount indicated on the marketing promotion(a "Cash Reward"), a new EarnIn Member must:

Scan the EarnIn Partner QR Code or EarnIn Partner link, download EarnIn App, and sign-up for EarnIn,

Complete a Cash Out within the timeframe specified for the offer after downloading the App, and

Open and maintain an active Tip Jar/Savings Jar account with Bank Partners - Evolve Bank & Trust and Lead Bank, within the timeframe specified for the offer, as applicable.

● EarnIn shall deposit the CashReward into the applicable Tip Jar/Savings Jar for this offer. The Tip Jar and Savings Jar is an FDIC-insured deposit account maintained by Evolve Bank & Trust or Lead Bank (as applicable), bears a zero percent (0%) Annual Percentage Yield, and is subject to no monthly maintenance fee.

● EarnIn reserves the right, in its sole discretion, to: (a) limit the offer to one (1) Cash Reward per Member; (b) modify, suspend, or discontinue the offer at any time without prior notice; and (c) deny, withhold, or claw back any Cash Reward obtained through fraud, abuse, or violation of these Partnership Rewards Terms.

If you did not complete a Cash Out, or did not open and maintain an active Tip Jar/Savings Jar account, within ninety (90) days of the offer, you will not receive the Cash Reward.

This offer is valid solely for new EarnIn Members. Existing EarnIn members are not eligible for this promotion.

New EarnIn Card Members may qualify to earn purchase credits, provided by EarnIn, calculated at the amount specified for the offer, up to the applicable maximum specified for the offer per calendar month, applied to their monthly EarnIn Card statement (the "Monthly EarnIn Card Reward"). Credits must be earned through qualifying card spend within the calendar month in which they are available. Any unused or unearned portion of the applicable monthly maximum does not roll over and expires at the end of each month. This Monthly EarnIn Card Reward is available for a limited period following the Member's EarnIn Card activation, provided the Member remains in good standing.

A new EarnIn Card Member is required to:

● Scan the Affiliate Partner QR Code, download EarnIn App, and sign-up for EarnIn,

● Successfully open a EarnIn Card account and activate your EarnIn Card within the timeframe specified for the offer;

● Pay the applicable EarnIn Card monthly access fee; and

● Maintain the EarnIn Card account, in good standing.

● A Member who maintains a EarnIn Card in good standing shall earn a reward for purchases of EarnIn Partner products and services made with the EarnIn Card at EarnIn Partner locations, up to the applicable maximum specified for this offer.

● The Monthly EarnIn Card Reward will be applied to the Member's EarnIn Card balance on a specified day each month, for a limited period, up to the applicable annual maximum specified for this offer.

● In the event the Member's outstanding balance is less than the applicable Monthly EarnIn Card Reward amount, such balance shall be credited first, and any remaining amount shall thereafter be credited to the Member's secured account balance.

● If a Member's qualifying purchases in a given month are less than the applicable maximum, the Member earns a Monthly EarnIn Card Reward equal to the amount of qualifying purchases made that month; any unused portion is forfeited and will not carry over to the next month.

● If a Member's qualifying purchases in a given month exceed the applicable maximum, the Monthly EarnIn Card Reward remains capped at the applicable maximum for that month, regardless of the amount of qualifying spending.

Example: You see a Partnership Rewards promotion offering a $10 Monthly EarnIn Card Reward You scan the EarnIn Partner QR Code, download the App, and sign up for EarnIn as a new Member. Within the timeframe specified for the offer, you activate your EarnIn Card account. For up to twelve (12) months following activation, your Monthly EarnIn Card Reward is equal to $1 for every $1 you spend using your EarnIn Card, up to a maximum of $10 per calendar month, provided you remain in good standing.

If you spend $6 using your EarnIn Card in a given month, you earn a $6 Monthly EarnIn Card Reward (i.e., $1 for every $1 spent).

If you spend $15 using your EarnIn Card in that same month, your Monthly EarnIn Card Reward remains capped at $10, regardless of the additional qualifying spend.

Beginning with the thirteenth (13th) month following your EarnIn Card activation, you will no longer receive the Monthly EarnIn Card Reward.

You may be disqualified from receiving rewards under the following circumstances:

● Your account is closed, suspended, or in violation of the Partnership Rewards Terms or Terms;

● Fraudulent activity, misrepresentation, or abuse of the rewards system;

● If you are not a new EarnIn Member (i.e., already has or had an EarnIn account);

● You failed to complete the required actions within the allowed timeframes; and

● You have reached your maximum reward limit for the calendar year.

EarnIn reserves the right to withhold or revoke rewards, suspend your participation, or take legal action in response to abuse or violations.

EarnIn may modify, suspend, or discontinue any reward program described in these Partnership Reward Terms, or any individual Member's eligibility to participate, at any time and upon reasonable advance notice, subject to applicable law. All modifications are effective immediately and apply to current and future rewards.

Participation in the rewards program does not establish any agency, partnership, joint venture, or employment relationship between you and EarnIn.

These Partnership Reward Terms are governed by the General Terms of Service, including the provisions related to Governing Law and Dispute Resolution by Binding Arbitration. Participation in this program constitutes agreement to resolve any disputes arising from the rewards program through those binding provisions. Disputes with any Bank Partner are governed by the respective agreements between you and that Bank Partner.

If you receive more than $2,000 in rewards in a calendar year from EarnIn across any of our cash rewards programs, other rewards, promotions, marketing compensation, credit balance forgiveness, or other programs, we're required to report it to the IRS and provide you with the applicable form. Please consult a tax advisor if you have questions about how this might affect your taxes.

For additional questions or resources, please visit the applicable EarnIn Partner or contact EarnIn Support in the EarnIn app.