WeWin Game & Sweepstakes Official Rules

NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A CLASS ACTION FORMAT.

Earnin is a financial app that offers innovative tools to empower people to reach financial goals. Among these tools people can access their earned wages early, save towards financial goals, plan financially and receive overdraft alerts. Earnin is free to join. Visit https://www.earnin.com/wewin/ to learn more.

As part of WeWin, Earnin allows individuals to save money by making deposits into jars. For each $10 deposit, an individual will earn a ticket. Each evening at 9:00 pm ET a new WeWin number is revealed. Match numbers on your WeWin tickets each week for a chance to win exciting prizes up to $10 million dollars (see Rule #7 below)!

1. Eligibility:

The WeWin Weekly Game & Year End Sweepstakes (collectively the " Game") is open only to legal permanent residents of the 50 United States (and the District of Columbia), eighteen (18) years of age or older or who have reached the legal age of majority in their state or jurisdiction of residence prior to time/date of entry. Void where prohibited by law or regulation. Proof of residency and age will be required to claim your prize.

Employees, officers, directors and agents of Activehours, Inc. (d/b/a EarninⓇ), 200 Portage Ave, Palo Alto, CA 94306 (the " Sponsor"), Cohen-Friedberg Associates, LLC, Framingham, MA 01702 www.cfapromo.com (the " Administrator"), the Game insurance provider, and each of their respective parent companies, affiliated companies, subsidiaries, licensees, distributors, prize providers, sweepstakes agencies, and their advertising/promotional agencies (collectively, the "Promotion Entities" ), and each of their immediate Family Members and/

or Household Members of such individuals are not eligible to participate in the Game. " Immediate Family Members" shall mean parents, step-parents, children, step-children, siblings, step-siblings, and their respective spouses or legal partners, regardless of where they live. " Household Members" shall mean people who share the same residence at least three (3) months a year, whether related or not.

2. Acceptance of Rules/Entry Conditions & Release:

Entry in the Game does not constitute entry into any other promotion, game, contest or sweepstakes. Each person who is a registered Member of Earnin (or see alternate means of entry Rule #4 Section #2) and participates in the Game is an entrant in the Game (" Entrant").

Each Entrant agrees to: (a) comply with and be bound by these Official Rules and the decisions of Sponsor and/or Administrator which is legally binding and final in all matters relating to this Game; (b) defend, indemnify, release and hold harmless the Sponsor, Administrator and their respective parent, subsidiary, and affiliated companies, celebrities, and any other person and organization responsible for sponsoring, fulfilling, administering, advertising or promoting the Game, and all of their respective past and present officers, directors, employees, agents and representatives (collectively, the " Released Parties") from and against any and all claims, expenses, and liability, including but not limited to negligence and damages of any kind to persons and property, including but not limited to invasion of privacy (under appropriation, intrusion, public disclosure of private facts, false light in the public eye or other legal theory), defamation, slander, libel, violation of right of publicity, infringement of trademark, copyright or other intellectual property rights, property damage, or death or personal injury arising out of or relating to a participant's entry, creation of an entry or submission of an entry, participation in the Game, acceptance, possession, attendance at, defect in, delivery of, inability to use, use or misuse of any prize (including any travel or activity related thereto) and/or the broadcast, exploitation or use of entry.

3. Game Timing:

The Weekly Game begins each Sunday at 9:01 p.m. Eastern Time (" ET") (or in the case of technical difficulty after that Sunday's WeWin number has been revealed whichever is later) starting with the first Weekly Game starting Sunday December 6, 2020, and ends on or about Sunday, December 19, 2021 at 9:00 p.m. ET (the " Game Entry Period").

Eastern Time shall control for all purposes of this Game. The Sponsor's designated server will be the official timekeeper for this Game.

4. How to Get a Ticket for Weekly Game:

There are three (3) ways to get a ticket for the Weekly Game

1) Visit https://www.earnin.com/wewin/ and download the free App. To enter, sign up for a TipYourself Account ("Account") or using an existing Account. You will automatically receive one (1) ticket for each $10 you place in either a new or existing Account. Pending manual deposits or pending AutoSave deposits will be included to calculate the current balance to determine the number of Game Tickets to be received for that week's Game. A single Earnin's Tip Yourself Account may not exceed a total balance of $2,000.

  1. To receive a Game Ticket without making a purchase or establishing an Account, send a self-addressed-stamped envelope (" SASE") along with a 3"x5" card to include your full name, complete mailing address, mobile telephone number, email address, age and indicating the 6 daily and 1 WeWin numbers you would like to play or state AUTOSELECT to have Earnin choose your numbers. Place the SASE and card in a standard business envelope and mail to Earnin's WeWin Game Entry, PO Box 46, Palo Alto, CA 94301. Limit one (1) Game Ticket request per outer envelope. Issued Game Tickets will be valid for the Game date week printed on the Game Ticket only. The Game Ticket validity date will be determined after the mail-in was received (not postmarked).

No photocopies, facsimiles or mechanical reproductions will be accepted. Sponsor is not responsible for lost, late, mutilated, misdirected, illegible, incomplete, inaccurate, stolen, or postage due entries or mail. Personal Information collected in connection with the Sweepstakes will be used in accordance with Sponsor's privacy policy.

A duplicate of your issued Game Ticket numbers will be created and the Sponsor will play your Game Ticket for you during the validity week. If your Game Ticket qualifies to win a prize, the Sponsor will automatically issue you a check in the winning amount.

  1. Bonus Tickets : From time to time the Sponsor will offer a certain number of Game Tickets, as determined by the Sponsor in its sole discretion, for a Member to perform certain tasks. An example is "Refer a Friend" to join Earnin. Once the referred friend becomes a Member and deposits their first $10 into their Earnin Tip Yourself Account, you will earn a single use Bonus Game Ticket(s) (" Bonus Tickets"), valid for the next week's Game only.

Use of any automated system to enter the Game is prohibited and will result in disqualification. Sponsor is not responsible for lost, late, incomplete, invalid, unintelligible or misdirected entries all of which will be ineligible to win a prize. In the event of a dispute as to any Member Entrant, the authorized Earnin Member's account holder's mobile number used when registering will be deemed to be the Entrant. For all other Game Ticket entries, the name and phone number used to receive a Game Ticket will be deemed the Entrant. Limit: Two hundred (200) Game Tickets per Entrant per Game week not including Bonus Tickets, regardless of method of obtaining a Game Ticket.

5. Automatic Entry into Year End Sweepstakes

Once an Entrant receives a Game Ticket (full (7 digits), partial (7 or less digits)) or via the alternate means of entry (See Rule #9) they are automatically entered in Year End Sweepstakes.

How to Play/Picking Your Numbers for Weekly Game

When joining WeWin, for your first Game Ticket, you will have the option to select your own 6 daily numbers (1-70) and WeWin number (1-70) (" Game Ticket"). Additional Game Tickets earned will have their set of numbers randomly assigned by the Earnin system game computer.

Once the Game Ticket Number has been assigned to your account (excluding Bonus Tickets), and you maintain at least the $10 minimum balance in your Earnin Tip Yourself Account, that assigned Game Ticket will continue to be valid with the same set of numbers for the following week's Games. The Game Ticket will become void and not available to win any prize if the minimum balance should fall below $10 in your Earnin Tip Yourself Account. For example: If you have $200 in your Earnin Tip Yourself Account, you have twenty (20) Game Tickets. If your balance falls to $100, the Earnin system game computer will void ten (10) of your previous twenty (20) Game Tickets starting with the last generated Game Ticket issued to your account.

The Game will reveal one (1) daily number (1-70) each day Monday thru Saturday (the " Daily Number") and will reveal one (1) WeWin number (1-70) each Sunday (the " WeWin Number"). When all seven (7) numbers have been revealed, that week's Game ends and a new weekly Game will begin. Each day's number will be revealed at or about 9:00 p.m. ET. A Game Ticket that contains seven (7) numbers will be a standard ticket (" Standard Ticket")

Partial Play: Partial Play Game Tickets will only be issued once an Entrant has been issued their first Game Ticket. If you do not have the minimum of $10 in your Earnin's Tip Yourself Account by the start of a Game week you are not eligible for a Standard Ticket. However, if you do achieve the minimum of $10 (by adding sums that bring the total to at least $10 or an additional $10 or more) later in that week you will receive an auto generated "Partial Play" ticket. (i.e. if on Wednesday of that week's Game, you achieve a $10 minimum balance, Earnin will auto generate your one (1) Partial Play Game Ticket issued. The Partial Play Game Ticket will not be able to select previously revealed winning numbers for that week . Partial Play Game Tickets will not contain any previously revealed weekly or WeWin Numbers. Partial Play tickets are not eligible to win the $10,000,000 Grand Prize and are valid for the stated week's Game only and does not carry forward to any other Game Week.

6. Weekly Game Reveal Days and Times:

Seven numbers (six (6) Daily Numbers and one (1) WeWin Number) will randomly be selected and revealed on the following schedule:

Revealed Number: Day: On or about time:
Daily Number #1 Monday 9:00 p.m. ET
Daily Number #2 Tuesday 9:00 p.m. ET
Daily Number #3 Wednesday 9:00 p.m. ET
Daily Number #4 Thursday 9:00 p.m. ET
Daily Number #5 Friday 9:00 p.m. ET
Daily Number #6 Saturday 9:00 p.m. ET
WeWin Number Sunday 9:00 p.m. ET

All daily and WeWin Numbers will be announced within the Earnin Mobile App each day after 9:00 p.m. ET (pending any technical issue delays as they may arise). Each participating Member will receive a weekly summary of their WeWin Game results via email.

7. Prizes and Odds of Winning the Weekly Game:

Prize Level Prize Amount: Match & Win Odds of winning:
Prize Level #1 $0.10 Cents Match the WeWin Number on Sunday 1 in 122
Prize Level #2 $0.25 Cents Match one (1) Number in any order + the WeWin Number 1 in 201
Prize Level #3 $1.00 Match two (2) Numbers in any order + the WeWin Number 1 in 963
Prize Level #4 $0.15 Cents Match three (3) Numbers in any order 1 in 160
Prize Level #5 $10.00 Match three (3) Numbers in any order + the WeWin Number 1 in 11,014
Prize Level #6 $2.50 Match four (4) Numbers in any order 1 in 4,399
Prize Level #7 $250.00 Match four (4) Numbers in any order + the WeWin Number 1 in 303,509
Prize Level #8 $500.00 Match five (5) Numbers in any order 1 in 346,396
Prize Level #9 $5,000.00* Match five (5) Numbers in any order + the WeWin Number 1 in 23,901,351
Prize Level #10 $25,000.00* Match six (6) Numbers in any order 1 in 131,016,217
Prize Level #11 Grand Prize $10,000,000* ** Match six (6) Numbers in any order + the WeWin Number 1 in 9,178,118,950

* If there are multiple winners in any of the indicated Prize levels, the winners will split the Prize equally.

** 10,000,000 Grand Prize payable in installments of $344,827.59 per year for twenty nine (29) years or the winner(s) may select to take a single lump sum payment of $6,500,000.

General Note: The Sponsor, from time to time, may and at its absolute sole discretion, adjust the prize awards. Adjustments may not be made to the Grand Prize.

8. WEEKLY PRIZE AWARDS: At the conclusion of each week's Game (after the WeWin number is revealed), the Earnin system will calculate each Member's eligible Game Tickets' winnings based on Rule #6 above. The total winnings per Member per completed Game week will be deposited into the Member's Earnin's Tip Yourself Product. Should the Earnin's Tip Yourself Account reach its maximum allowable deposit, the funds will be deposited into that Members linked bank account or paid via check to the winner, as determined by the Sponsor in its absolute sole discretion. AMOE winners see Rule # 4-2.

Prize is non-transferable and no substitution will be made except as provided herein at the Sponsor's sole discretion. Winner is responsible for all taxes and fees associated with prize receipt and/or use. All federal, state, and local tax liabilities, as well as any other costs and expenses not specified herein as being awarded, are the sole responsibility of the Winner. Prize will be awarded only if the potential prize winner fully complies with these Official Rules.

9. BONUS SWEEPSTAKES : Entry into the Sweepstakes begins when a Member receives their first Game Ticket during the Game Entry Period. The last chance to enter is December 19, 2021 at 8:59 p.m. prior to the last WeWin Game Number is revealed. LIMIT: One (1) entry per Member. A random drawing will be conducted by the Administrator on or about December 20, 20201 from all eligible entries received during the Game Entry Period.

To enter without establishing an Earnin's Tip Yourself Product, send a postcard to Earnin's WeWin Game Entry, PO Box 2214, Framingham, MA 01703-2214. Limit: One (1) entry per Member. No photocopies, facsimiles or mechanical reproductions will be accepted. Sponsor is not responsible for lost, late, mutilated, misdirected, illegible, incomplete, inaccurate, stolen, or postage due entries or mail. Personal information collected in connection with the Sweepstakes will be used in accordance with Sponsor's privacy policy.

10. ALL POTENTIAL WINNERS ARE SUBJECT TO VERIFICATION BY SPONSOR. SPONSOR'S DECISIONS ARE FINAL AND BINDING IN ALL MATTERS RELATED TO THE ADMINISTRATION, OPERATION, SELECTION OF THE WINNER AND OTHER MATTERS RELATED TO THE GAME. AN ENTRANT IS NOT A WINNER OF ANY PRIZE, EVEN IF THE APP SHOULD SO INDICATE, UNLESS AND UNTIL ENTRANT'S ELIGIBILITY AND THE POTENTIAL WINNING SELECTIONS HAVE BEEN VERIFIED AND ENTRANT HAS BEEN NOTIFIED THAT VERIFICATION IS COMPLETE. SPONSOR WILL NOT ACCEPT SCREEN SHOTS OR COPIES OF SCREEN CONTENT OR OTHER EVIDENCE OF WINNING IN LIEU OF ITS VALIDATION PROCESS. ANY ISSUED GAME TICKET OR POTENTIAL WINNER NOTIFICATION THAT OCCURS AFTER THE SYSTEM HAS FAILED FOR ANY REASON IS DEEMED DEFECTIVE, VOID, AND WILL NOT BE HONORED.

11. Verification of Potential Winner

Potential winner will be notified via the Earnin App or using the email address / phone number provided when registering for the Game or on file with the Sponsor. Failure by potential winner to respond to the initial verification within ten (10) days of notification will result in disqualification. Any winner of a prize valued at $600 or more will be required to complete and return an Affidavit of Eligibility, Release of Liability and Publicity Release (where permitted by law), and W-9 tax payer request for identification (collectively, the " Affidavit") by the date specified by Sponsor, or an alternate potential winner (Sweepstakes potential winner only) may be selected. In the event: (a) potential winner cannot be reached for whatever reason after a reasonable effort has been exerted or the potential winner notification or Affidavit is returned as undeliverable; (b) potential winner declines or cannot accept, receive or use the prize for any reason; (c) of noncompliance with the above or within any of the aforesaid time periods; (d) potential winner is found to be ineligible to enter the Game or Sweepstakes; (e) potential winner cannot or does not comply with the Official Rules; or (f) potential winner fails to fulfill the Affidavit-related obligations, the potential winner shall be disqualified, and the Game prize will remain unawarded or in the case of the Sweepstakes winner, an alternate winner will be selected from all remaining eligible entries received.

12. Publicity

Except where prohibited or restricted by law, winner's acceptance of any prize constitutes the winner's irrevocable consent to the Released Parties, and each of their respective agents, successor, and assigns or other designee's use of each winner's name, likeness, photograph, voice, statement, opinions, biographical information, prize and/or state/city of residence for advertising and promotional and publicity purposes in any and all media or format, worldwide, in perpetuity, without any permission, notification, payment or consideration except for the awarding of the prizes to the winners. You may be required to sign a document confirming your consent.

13. General Conditions

Sponsor may cancel or modify the Game (excluding the Sweepstakes) or these Official Rules if fraud, technical failures or any other factor beyond its control or for any reason, impairs the integrity of the Game, as determined by the Sponsor in its absolute and sole discretion. In such event, all future Games and prizes will become void and not awarded. Sponsor may award the Sweepstakes prize at random from among the eligible entries received up to the time of the cancellation. Sponsor's failure to enforce any provision of these Official Rules shall not constitute a waiver of that provision.

The Released Parties shall not have any obligation or responsibility, including any responsibility to award any prize to Entrants, with regard to: (a) entries that contain inaccurate information or do not comply with or violate the Official Rules; (b) entries, prize claims or notifications that are lost, late, incomplete, illegible, unintelligible, damaged or otherwise not received by the intended recipient, in whole or in part, due to computer, human or technical error of any kind; (c) Members who have committed fraud or deception in entering or participating in the Game or claiming the prize; (d) telephone, electronic, hardware, software, network, Internet or computer malfunctions, failures or difficulties; (e) any inability of the winner to accept the prize for any reason; (f) if a prize cannot be awarded due to delays or interruptions due to Acts of God, natural disasters, epidemic, pandemic, terrorism, weather or any other similar event beyond Sponsor's reasonable control; or (g) any damages, injuries or losses of any kind caused by any prize or resulting from awarding, acceptance, possession, use, misuse, loss or misdirection of any prize or resulting from participating in this Game or any promotion or prize related activities. Sponsor reserves the right, in its sole discretion, to disqualify any individual it finds to be (a)tampering with the entry process or the operation of the Game, or with any Website promoting the Game; (b) acting in violation of the Official Rules; or (c) entering or attempting to enter the Game multiple times through the use of multiple email addresses or the use of any robotic or automated devices to submit entries. If Sponsor determines, in its sole discretion, that technical difficulties or unforeseen events compromise the integrity or viability of the Game, Sponsor reserves the right to void the entries at issue, and/or terminate the relevant portion of the Game, including the entire Game or Sweepstakes, and/or modify the Game or Sweepstakes and/or award the prize from all eligible entries received as of the termination date (excluding the Grand Prize).

14. Limitations of Liability

The Released Parties are not responsible for: (a) any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilized in the Game; (b) technical failures of any kind, including, but not limited to malfunctions, interruptions, or disconnections in phone lines or network hardware or software; (c) unauthorized human intervention in any part of the entry process or the Game or the Sweepstakes; (d) technical or human error in the administration of the Game or the processing of registrations and Game Ticket Numbers; or (e) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, from entrant's participation in the Game or receipt or use or misuse of any prize. If for any reason an entrant's registration is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, Member's sole remedy is another Game Ticket. No more than the stated number of each prize will be awarded.

15. Use of Personal Data. Sponsor will be collecting personal data about Members online, in accordance with their privacy policies. Please review Sponsor's privacy policies at https://www.earnin.com/privacyandterms/. By participating in the Game, Entrants hereby agree to Sponsor's collection and usage of their personal information and acknowledge that they have read and accepted the Sponsor's privacy policy. Entrant agrees they are supplying information to the Sponsor.

16. Disputes

Entrant agrees that: (a) any and all disputes, claims and causes of action arising out of or connected with this Game, or any prizes awarded, shall be resolved individually, without resort to any form of class action; (b) any and all disputes, claims and causes of action arising out of or connected with this Game or any prizes awarded, shall be resolved exclusively by the United States District Court or the appropriate California State Court located in the state of California; (c) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Game, but in no event attorneys' fees; and (d) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Game, shall be governed by, and construed in accordance with, the laws of the State of California, without giving effect to any choice of law or conflict of law rules (whether of the State of California or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of California.

17. Game/Sweepstakes Results

For a legally required winners list (prizes valued at $25 or more), send a self-addressed envelope to WeWin Winners List (Game Week requested*), C/O Marketing, 200 Portage Ave, Palo Alto, CA 94306. *You must indicate which week's Game play you are requesting a Winners List for. For example, all Game weeks begin on a Monday. One request per Game Week per outer envelope.

®Earnin is a registered trademark of ActiveHours, Inc.

Facebook®, Apple® , Google® and any other service marks, logos, or other marks in connection with this Sweeps or any prize is not meant by Sponsor to imply the endorsement of the respective owner(s) of such marks, or any affiliation of the respective owner(s) of such marks with Sweepstakes advertisements or the Sweepstakes.