Greenlight® Money Moves Video Contest OFFICIAL RULES

Dates: June 10, 2024 – June 24, 2024

NO PURCHASE IS NECESSARY TO ENTER OR WIN THIS CONTEST. VOID WHERE PROHIBITED OR RESTRICTED BY LAW. ODDS OF WINNING WILL DEPEND ON THE TOTAL NUMBER OF ELIGIBLE ENTRIES RECEIVED. ENTRANTS WAIVE THE ABILITY TO BRING CLAIMS IN A  CLASS ACTION FORMAT.

THIS CONTEST IS IN NO WAY SPONSORED, ENDORSED, ADMINISTERED BY OR ASSOCIATED WITH INSTAGRAM OR FACEBOOK.

• SPONSOR: Greenlight Financial Technology, Inc., a Delaware corporation (“Sponsor”) will serve as the sponsor of the Greenlight^® Money Moves Contest (the “Contest”). 

• PURPOSE: This Contest’s purpose is to solicit creative videos from individuals, Primary Accountholders, and Cardholders (both as defined below) to share a video showcasing how their child is earning money this summer and how such child will manage their summer earnings (each, a “Video”). 

• ELIGIBILITY: This Contest is open only to legal residents of the 50 United States and the District of Columbia (excluding Puerto Rico and all United States territories and possessions), who are 18 years of age or older at the time of entry. Employees (and their immediate families or those living in the same household) of Sponsor and Community Federal Savings Bank (“CFSB”) and their respective affiliates, subsidiaries, divisions, parents and related companies, suppliers, printers and advertising, promotional and judging agencies are not eligible to enter or win. Individuals who appear on the U.S. Government Department of Treasury’s Specially Designated Nationals and Blocked Persons List are also not eligible to enter or win. An “Entrant” is an eligible person who has entered this Contest and is in compliance with these Official Rules. Each Entrant’s eligibility and each Entry (defined below) is subject to verification. 

• CONTEST PERIOD: The Contest begins on 12:01 a.m., E.T. on June 10, 2024, and ends on 11:59 p.m., E.T. on June 24, 2024 (the “Contest Period”). Each Entrant must submit their Entry (defined below) within the Contest Period. 

• HOW TO ENTER: An Entrant may enter this Contest by submitting a Video which meets the requirements of Section 6 of these Official Rules (each, an “Eligible Video”) only via one or more of the entry methods described below. An Eligible Video successfully submitted via one of the entry methods listed below is an “Entry” for the purposes of these Official Rules. 

• Instagram Entry Method: Commencing at the beginning of the Contest Period, each Entrant may submit their Eligible Video and enter this Contest by (i) posting an Eligible Video to Entrant’s Instagram Account Feed (each a “Instagram Post”), (ii) tagging the Sponsor (@greenlightcard) in the Instagram Post, (iii) placing “#GLMoneyMovesChallenge” in the Instagram Post, and (iv) becoming a follower @greenlightcard on Instagram (if not already following).

• Facebook Entry Method: Commencing at the beginning of the Contest Period, each Entrant may submit their Eligible Video and enter this Contest by (i) posting an Eligible Video to Entrant’s Facebook Account Feed (each a “Facebook Post”), (ii) tagging the Sponsor (@greenlightcard) in the Facebook Post, (iii) placing “#GLMoneyMovesChallenge” in the Facebook Post, and (iv) becoming a follower @greenlightcard on Facebook (if not already following).

For an Entry to constitute a valid Entry, an Entrant must follow the provided instructions and supply any and all information required by Sponsor in its sole discretion. Entrants cannot submit an Entry on behalf of a third party. Entrants must abide by all terms of service, privacy policies and other requirements of Instagram and/or Facebook (as applicable) in order to participate in the Contest via an online service provider. Entries will be deemed made by the “authorized account holder” of the Instagram and/or Facebook account (as applicable) the entry is submitted from at the time of entry. The “authorized account holder” is the person who is assigned to the Instagram and/or Facebook account (as applicable) by the online service provider. All Entrants must have a non-private account in order to participate in the Contest. Entrant acknowledges and agrees that the Contest is in no way sponsored, endorsed or administered by, or associated with Instagram or Facebook, or any of their affiliates. If any Entry fails to comply with any of these Entry Requirements or any other provisions of these Official Rules, at the Sponsor’s sole discretion, Sponsor reserves the right to disqualify the Entrant.

All Entries must be received by 11:59 p.m., E.T., on the last day of the Contest Period (June 24, 2024), regardless of the method of entry. Sponsor’s database clock will be the official timekeeper for this Contest. No responsibility is assumed by the Sponsor for any inability of a potential entrant to successfully enter the Contest for any reason.

For clarification, each valid Entry will constitute one entry for the Primary Accountholder and not the Cardholder.

As used herein, the “Primary Accountholder” is the individual, at least 18 years of age, who opens and is responsible for the primary Greenlight account (the “Primary Account”). The Primary Accountholder has the ability to request the issuance of up to five Greenlight Prepaid Mastercard cards (“Greenlight Cards”) for the Primary Accountholder’s children or dependents, each of which will be considered a sub-account of the Primary Account, and each child or dependent will be considered an authorized user of the Primary Account (each, a “Cardholder”). This structure of the Greenlight program allows the Primary Accountholder to identify, monitor and approve Greenlight Card transactions by each individual Cardholder. 

To open a Greenlight account and receive a Greenlight Card, please visit https://www.greenlightcard.com/ and complete the enrollment process. Any Entry will be presumed to have been made by the Primary Accountholder with whom the Greenlight Card is associated – a decision that the Sponsor will make in its sole discretion – and no other individual (including Cardholders) will have any right or claim to that Entry. 

Each Cardholder associated with a Primary Accountholder may contribute only one entry to the Contest during the Contest Period. Each Primary Accountholder can only submit up to a maximum of one (1) Entries for the Contest during the Contest Period. 

For the avoidance of doubt, the Primary Accountholder shall be the Entrant (as defined herein) and any associated Cardholder who may have completed an Entry (i) shall not be considered an Entrant for purposes of this Contest and (ii) shall have no right to receive the Prize (defined below).

Regardless of entry method, each Entrant may enter the Contest one (1) time.

• ELIGIBLE VIDEOS: In order to be an Eligible Video, all of the requirements of this Section 6 must be met. Any Video Entry submitted using the Instagram Entry Method, or the Facebook Entry Method, must be 60 seconds or less. The Video Entry must showcase how a Primary Accountholder’s child is earning money this summer and how such child will manage the summer earnings (i.e., the purpose set forth above). The Video Entry should use creativity and include the child discussing one (1) financial topic, this topic may include how the child will earn money this summer and how the child will manage the earnings (via savings, investing, spending, etc.). In addition, Videos must meet the following requirements in order to be an Eligible Video: 

• Videos may not feature any depiction of criminal or violent acts, and may not violate local, state, or federal laws or regulations. 

• Videos must not depict any actions that place the participants at risk or in physical danger. In producing the Entry, Entrants must obey all applicable local, state, and federal laws and regulations. 

• Videos must not (a) contain any false, inaccurate or misleading material, (b) violate any law or regulation, (c) be libelous, inflammatory, threatening or harassing, (d) instigate others to commit illegal activities, (e) contain any obscene, offensive, demeaning, or illicit content, (f) contain any viruses, worms, or other computer programming intended to or that could interfere with the ability of others to enjoy the Website, all within the Sponsors sole judgment and discretion.

• Any Video containing pictures or depictions of credit cards or debit cards must not display the full cardholder name, card number or card expiration date. This information must be blurred, obscured or redacted.

• If the Video contains pictures or depictions of debit cards, it must include footage of your Greenlight Card.

• All entries must be received by the end of the Contest Period. 

Any Entry that violates any of these Official Rules will not be eligible for the competition.

Each Video submitted must be an original work (i.e., a work that does not infringe another person’s rights), and Entrants must maintain significant personal control over the content and aesthetics of the video (producing, directing, writing, editing, etc.). By submitting an Entry, the Entrant certifies that the Entrant has the necessary authorization to use the images, audio, text, and any other content contained therein. An Entrant SHOULD NOT enter if they are in violation, or uncertain of their rights to, any copyrights, patents, trademarks, video, music or other intellectual property included in the Entry. If an entity or person other than the Entrant owns the rights to all or part of the submitted Video, the Entrant must obtain written consent/permission from the owner or an authorized representative of the owner. Entrants will be held fully liable under the law for any copyright or other intellectual property violations. 

Videos must be submitted in the required video format(s) and must not include any persons other than the Entrant, unless the Entrant obtains releases in writing from the person(s) appearing in the Video to submit the Video as part of the Entrant’s Entry in this Contest. By submitting an Entry, the Entrant certifies that the Entrant has the necessary authorization from the person(s) appearing in the Video to submit the Video as part of the Entrant’s Entry in this Contest. Any release forms need to be sent upon request by Sponsor (in connection with the Instagram Entry Method or the Facebook Entry Method). In addition, the Video(s) also must not contain any visible brand names, logos, trademarks or other intellectual property owned by any company other than Sponsor. 

Videos that are incomprehensible, inappropriate for any reason, corrupted, late, illegible, mechanically reproduced, contain false information, damaged, misdirected, mutilated, garbled or incomplete, altered, contain disparaging or inappropriate information, or otherwise irregular in the sole discretion of Sponsor, that have been submitted or generated using robotic, programmed, script, or any other automated means, or illicit means, or do not conform with or satisfy any or all of the conditions set out in these Official Rules, as determined by Sponsor in its sole and absolute discretion, may be judged void and disqualified. 

FINALLY, PLEASE CONSIDER THE FOLLOWING SAFETY TIPS WHEN PROVIDING VIDEO CONTENT TO SPONSOR:

Pre-Screen: Please pre-screen any Video you provide to Sponsor. It is Sponsor’s hope that any Video you provide to Sponsor can be a fun and cute way to show how Sponsor makes money management for kids a little easier. 

The Golden Rule: Never post or submit anything to Sponsor – words, pictures, links, emails, blogs, comments and tweets, that you are not comfortable sharing with everyone else in the world. The Internet is a global distribution medium, and once something is published, it cannot easily be retracted. There is a saying which is very appropriate here: “once you squeeze out the toothpaste you cannot ever put toothpaste back into the tube.”

Ask Your Child for Permission to Post: Involve your children in the process. Ask them if they are comfortable with you sharing their photos or other content. Sponsor suggests that you let them have input in which photos or other content may be shared with us.

Consider the Background Appearing in Your Photos: Be cognizant that background information in your photos can reveal much information about you and can be a safety concern. For example, photos taken in front of your home could have your home address visible in the background. Photos taken in front of a local landmark could also reveal places you frequent. Sponsor does not know your local area and we will have no way of knowing what backgrounds could pose a safety concern.

Check Your Child’s Clothing: A child’s T-shirt could contain a school logo or summer camp or other information that could also reveal their location.

GPS: Some phones embed GPS into media. Please turn off the location service when taking a Video on your mobile device that you will provide to Sponsor.

Don’t Post or Provide Sponsor with Content of Children Who Are Not Yours: If you are not the parent or legal guardian of a child, you do not have permission to post the content of that child. 

LICENSES:

By entering this Contest, each Entrant authorizes Sponsor to edit, alter, copy, exhibit, publish, distribute and use any image, audio, video or data submitted as an Entry (or any portion of an Entry) of Entrant (“Media Content”), including names, without payment or any other consideration, in future advertisements, promotion materials, Sponsor-related websites and mobile applications, social media channels, trainings, educational activities and any derivative works without any additional compensation or award. Entrant understands that future use of Entrants submitted Media Content may not credit the Entrant or any Cardholder.

Sponsor may also use the Media Content in any advertising, such as online digital, social media, television, print or radio, as well as any flyers, brochures, annual reports, press kits or any other print or digital communications. This authorization extends to all languages, media, formats and markets now known or in the future.

Each Entrant acknowledges this authorization shall continue indefinitely, unless the Entrant otherwise revokes this authorization in writing, or each Cardholder revokes this authorization in writing upon reaching majority age. 

Each Entrant acknowledges that each Entrant waives any right that the Entrant or any Cardholder may have (i) to inspect or approve any finished product in which such Entrant’s likeness or a Cardholder’s likeness appears, including written or electronic copy and (ii) to royalties or other compensation arising from or related to the use of any Media Content. 

Each Entrant understands and agrees that these materials, including any Media Content, shall become the sole property of Sponsor and may not be returned.

Each Entrant agrees to not submit any Entry or Eligible Video (or any portion of an Entry or Eligible Video) to any other third party and provides Sponsor with the exclusive license with regard to the Media Content.

• PRIZES: There will be a total of six (6) prizes (each a “Prize” and collectively, the “Prizes”), awarded to six (6) Entrants. Odds of winning a Prize depend on the total number of eligible entries received for the Contest and are equal regardless of method of entry. The Prizes are as follows: 

Approximate retail value (“ARV”) for all Prizes is $7,000. All Prizes will be awarded. Any difference between ARV and actual value will not be awarded. The Prize will be awarded as indicated on the terms and conditions set forth herein. The ARV of the prize represents Sponsor’s good faith determination. That determination is final and binding and cannot be appealed. If the actual value of the prize turns out to be less than the stated ARV, the difference will not be awarded.

GREENLIGHT TERMS: The receipt and use of a Prize is subject to terms, conditions and policies specified by the Sponsor. The acceptance and use of each Prize is subject to the Sponsor’s Terms of Service, which may be found at https://www.greenlightcard.com/terms.html. Such terms and conditions may include any or all of the following, as well as others: Prize may not be redeemable for cash, or used for payment on accounts, or used for the payment of prior purchases; Prize is non-refundable; purchases and amounts spent or deducted may be non-refundable; Prize may expire on a designated date; and Prizes may be redeemable only by legal residents of the United States. The Sponsor’s Terms of Service are in addition to those terms in these Official Rules.

If a Winner does not have a Greenlight account, then Greenlight will pay a Winner through a PayPal or Venmo account (a third-party service, use of which is subject to the terms, conditions, and privacy policies of PayPal and/or Venmo).  If a Winner does not already have a PayPal or a Venmo account, the Winner can go to https://www.paypal.com or https://venmo.com (as applicable) to create a free PayPal or Venmo account.  Winners’ first and last name needs to be an exact match to their PayPal or Venmo account information and their PayPal or Venmo account needs to be verified. Prizes may be distributed in an alternative manner at Sponsor’s sole discretion.   If a Winner does not have a Greenlight, Paypal or Venmo account, the Winner must create a Greenlight, PayPal or Venmo account to collect a Prize. A Winner's failure to notify Greenlight of Winner’s Greenlight, Paypal or Venmo account within three (3) days after being notified by Sponsor that Entrant is a Winner, will be considered that Winner's forfeiture of the Prize and Sponsor may, at its option and sole discretion, choose not to award the Prize at all. If an Entrant is found to be ineligible, Sponsor may, at its option and sole discretion, choose not to award the Prize at all.

• SELECTION OF WINNERS AND JUDGING CRITERIA: All Entries received during the Contest Period will be judged by a committee of three (3) judges (the “Committee”) selected solely by Sponsor, in its discretion. There will be six (6) Entrants selected as the winners of the Prizes (the “Winners”) by the Committee, in its sole discretion, on or before July 1, 2024, from among all Entries received during the Contest Period. Three (3) Winners will be selected from the Instagram Video Entries and three (3) Winners will be selected from the Facebook Video Entries. Any decision of the Committee is final with respect to selecting the Winners.

WINNER: The Winner(s) will be selected by the Committee based on each Entry’s (a) content showcasing the child will earn money this summer and how the child will manage the earnings (via savings, investing, spending, etc.), (b) originality (i.e. is there a cohesive story line that is unique) (40%), (c) engagement with the video (number of likes and comments on the post) (40%), and (c) overall production quality and aesthetics (i.e. camera angles, shot quality, professional video editing, transitions, etc.) (20%). 

Sponsor will use reasonable efforts to contact the Winners within one (1) week after the determination of the Committee that the Winners are entitled to Prizes under these Official Rules. 

• PRIZE CONDITIONS: No substitution for any Prize will be permitted. If necessary due to unavailability of the Prize, a prize of equal or greater value will be awarded at the discretion of Sponsor. Each Prize is not transferable or assignable. Each potential Winner shall have three (3) days after the applicable Prize notification to appropriately respond to the Sponsor. Entrants and Winners may be required to execute and return an Affidavit of Eligibility and Publicity/Liability Release, an IRS Form W-9 (i.e., Request for Taxpayer Identification Number and Certification) and any other required tax documents within fifteen (15) days of delivery by Sponsor. Failure to return all required documents in this time period may result in the Winner being disqualified and an alternate Winner selected. If a Prize notification is returned to Sponsor as undeliverable or if an Entrant is found to be ineligible or a Winner declines to accept a Prize for any reason, an alternate Winner will be selected. By entering this Contest and/or accepting the Prize, the Winner and Entrants hereby consent (except where prohibited by law) to the disclosure and reasonable use by Sponsor and CFSB of the Winner’s and Entrants’ photograph, voice, likeness and/or image, hometown address, contents of the entry form and the name and age of the Winner and Entrants without any further compensation for any future promotional activity related to this Contest.

• ADDITIONAL TERMS AND CONDITIONS: The following are conditions to winning a Prize and additional terms and conditions binding on Entrants:

• All federal, state, local tax liabilities and any applicable fees associated with accepting a Prize or participation in this Contest are the sole responsibility of the Winners. Sponsor may, in its sole discretion, withhold from the amount of any Prize any and all federal, state, and local tax liabilities and any applicable fees associated with accepting a Prize or participation in this Contest.

• If a Winner declines a Prize, or if an Entrant has not complied with these Official Rules, such person shall be disqualified, and another person will be chosen for the Prize. 

• No transfer, substitution, division or splitting of Prizes is allowed except in the sole discretion of Sponsor.

• Sponsor shall not be held responsible in the replacement of any lost or stolen Prizes.

• Acceptance of the Prize constitutes permission by an Entrant to the Sponsor, CFSB and their authorized agents to use Entrant’s and Cardholder’s names and/or likenesses for purposes of advertising and trade without further compensation, in perpetuity and in any and all media now known or hereafter discovered, unless prohibited by law.

• Decisions of Sponsor are final with respect to all matters related to the conduct of the Contest. An Entrant may be disqualified from participating in this Contest and/or winning a Prize for cheating or other bad faith acts in the sole discretion of Sponsor.

• By participating in this Contest, Entrants and Winners agree to be bound by these Official Rules. 

• CONDUCT OF PARTICIPATION: By entering the Contest, Entrant affirms that he or she has read and agrees to abide by these Official Rules and the decisions of Sponsor. Sponsor reserves the right to disqualify any Entrant acting in violation of these Official Rules or found tampering with the entry process or with the operation of the Contest or the Website. As a condition of entering this Contest, each Entrant agrees that: (a) under no circumstances will the Entrant be entitled or permitted to obtain awards for, and the Entrant expressly waives all rights to claim, punitive, incidental, and consequential damages, and any other damages, other than actual, out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased, and in no event shall attorney’s fees be recoverable by either party; and (b) any and all disputes, claims and causes of action arising out of or connected with the Contest or any Prize awarded shall be resolved individually, without resort to any form of class action. ANY ATTEMPT BY AN ENTRANT OR ANY OTHER INDIVIDUAL TO DELIBERATELY DAMAGE ANY WEBSITE RELATED TO SPONSOR OR THE CONTEST OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM SUCH ENTRANT TO THE FULLEST EXTENT PERMITTED BY LAW.

• LIMITATIONS OF LIABILITY: Released Parties (as defined herein) are not responsible for any incorrect or inaccurate Entry or Entries, errors in calculations, theft, tampering, destruction, or unauthorized access to, or alteration of entries; printing or other errors; and any entries or mail which are late, lost, delayed, incomplete, misdirected, stolen, mutilated, illegible, postage due or any combination thereof. Sponsor reserves the right to modify, suspend or terminate the Contest or these Official Rules in the event that it becomes necessary due to circumstances beyond Sponsor’s control, as determined by Sponsor in its sole and exclusive discretion, including without limitation, Acts of God, pandemic, epidemic, “shelter in place” and similar orders and other governmental actions. Without limiting the generality of the foregoing, Sponsor may decide to postpone deadlines herein, or terminate the Contest early. In the event the Contest is terminated early, the Winners will be selected from all eligible Entries received at the time of termination. 

• RELEASE OF LIABILITY; INDEMNITY: By participating, Winners and Entrants (and the parent or legal guardian thereof if a Winner or Entrant is under the age of 18 or is deemed a minor in his/her state of residence) agree to release, discharge, indemnify and hold harmless Sponsor, CFSB, Instagram, Facebook and each of its respective affiliated entities, affiliates, subsidiaries, parent corporations and companies, and all of its respective officers, directors, shareholders and principals, employees, representatives, and agents (collectively, “Released Parties”), from and against any claims made by any Winners and Entrants or any other third parties related in any way to the operation of this Contest, as well as any other claims, damages or liability due to any injuries, damages or losses (whether alleged, threatened, or actual) to any person or property of any kind resulting in whole or in part, directly or indirectly, from participation in this Contest or any related activity. Winners and Entrants (and the parent or legal guardian thereof if a Winner or Entrant is under the age of 18 or is deemed a minor in his/her state of residence) assume all liability for any injury or damage caused, or claimed to be caused, by participation in this Contest or acceptance, use or redemption of any Prize.

• MISCELLANEOUS: The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. In the event that any provision of these Official Rules is determined to be invalid or otherwise unenforceable or illegal, the other provisions will remain in effect and will be construed in accordance with their terms as if the invalid or illegal provision were not contained herein. Sponsor's failure to enforce any term of these Official Rules will not constitute a waiver of that provision. Entrants and Winners agree to waive any rights to claim ambiguity of these Official Rules. Headings are solely for convenience of reference and will not be deemed to affect in any manner the meaning or intent of the documents or any provision hereof. In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Contest-related materials and/or privacy policy or terms of use on the website, these Official Rules shall prevail, govern and control and the discrepancy will be resolved in Sponsor’s sole and absolute discretion.

• PRIVACY/ PUBLICITY / USE OF PERSONAL INFORMATION: 

By participating in the Contest, eligible Entrant and/or Winner hereby consent to Sponsor’s or authorized agents’ collection, use, and disclosure of Entrant’s and/or Winner’s personal information for the purposes of administering the Contest, and prize fulfillment. Each Entrant acknowledges that he/she has read, understood and accepted the Sponsor’s Privacy Policy, which provides more information about Sponsor’s privacy practices and is located at https://www.greenlightcard.com/privacy.html. The Sponsor’s Privacy Policy is in addition to those terms in these Official Rules concerning privacy, use of personal information, and publicity.

Entrants may be offered the optional opportunity to receive coupons, newsletters, informational materials, marketing communications, or other special promotions, or other offers from Sponsor and/or third-party service providers. Entrants will not be contacted for marketing purposes unless they have provided their express consent.

By accepting a Prize, Winner agrees, on behalf of Winner and the Cardholder(s), to Sponsor's and CFSB’s use of his/her name(s), city/province(s) of residence, picture(s), biographical information, statements, voice and likeness in any advertising and publicity Sponsor and its respective successors, assigns and licensees may conduct relating to the Contest in any media or format, whether now known or hereafter developed, including but not limited to the Internet, at any time or times in perpetuity, without further compensation or notice, and hereby releases Released Parties from any liability with respect thereto. Winner may be required to sign a further release regarding the grant of these publicity rights, unless prohibited or restricted by law.

• WINNERS LIST AND OFFICIAL RULES: A person may obtain copies of the Official Rules or a list of the Winner by sending a self-addressed, stamped envelope that reads: Winner List – or – Official Rules, Greenlight “Greenlight Money Moves” Contest, c/o Greenlight Financial Technology, Inc., 303 Peachtree Street, NE, Suite 4300, Atlanta, GA 30308; all requests must be received within six (6) months after the end of the Contest Period.

The Sponsor reserves the right to amend the above rules at any time.