GREENLIGHT REFERRAL SCHOLARSHIP SWEEPSTAKES

NO PURCHASE IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. A PURCHASE WILL  NOT INCREASE YOUR CHANCES OF WINNING. VOID WHERE PROHIBITED OR RESTRICTED  BY LAW. 

1. SWEEPSTAKES PERIOD: The Greenlight Referral Scholarship Sweepstakes (the “Sweepstakes”) begins 12:00  a.m. Eastern Time (“ET”) on November 19, 2024 and ends 11:59 p.m. ET on January 7, 2025 (the “Sweepstakes  Period”).  

2. ELIGIBILITY: The Sweepstakes is open to legal residents of the fifty (50) United States and the District of  Columbia who are 18 years of age or older as of the date of entry (“Entrant”). Employees of Greenlight Financial  Technology, Inc. “Sponsor”) and each of their affiliates, subsidiaries, advertising and promotion agencies  (collectively, “Released Parties”) and their immediate family members (spouses, parents, children, and siblings  and their spouses) and household members of each (whether related or not) are not eligible to participate or  win. The Sweepstakes is void wherever prohibited, and subject to all federal, state and local laws.  

3. HOW TO ENTER: There are two ways to enter the Sweepstakes: 

A) Via Referral Link: During the Sweepstakes Period, eligible Greenlight Primary Accountholders aged 18 and  older (“Advocates” or “Entrants”) may invite their friends and family to sign up for a Greenlight account  using their unique Advocate Referral link (“Referral”). The Referral link will be sent by the Advocate, not  Greenlight. Referrals who then sign up for a Greenlight account via the Referral link during the  Sweepstakes Period earn the Advocate one (1) entry in the Sweepstakes and earn themselves one (1)  entry in the Sweepstakes (the “Referral Entry”). Referrals cannot register for a Greenlight account/earn  Referral Entries using multiple Referral links. Referrals who complete Greenlight account registration are  opted-in to receive marketing emails from Greenlight. Entries must be complete by 11:59 p.m. ET on  January 7, 2025 to be eligible for the Sweepstakes. Normal Internet/phone access and data/usage charges  imposed by your online/phone service may apply. 

B) Via Mail: Consumers who do not wish to have a Greenlight account or do not wish to participate by  making a Referral, may hand print their name, complete mailing address, telephone number, email  address and date of birth on a plain 3”x5” piece of paper and mail in a hand-addressed stamped envelope  to: Greenlight Referral Scholarship Sweepstakes Entries, P.O. Box 7748, Melville, NY 11775-7748 (“Mail-in Entry”) to receive one (1) entry into the Sweepstakes. Mail-in Entries must be postmarked by January 7, 2025 and received by January 14, 2025 to be included in the Sweepstakes drawing. Mechanically  reproduced/photocopied/illegible/incomplete or postage-due Mail-in Entries are automatically void.  

Referral Entries and Mail-in Entries shall collectively be referred to as “Entry” or “Entries”. There is a limit of  five (5) Entries per Entrant regardless of method of Entry or combination of methods of Entry during the  Sweepstakes Period. 

4. RANDOM DRAWING: One (1) potential Grand Prize (“Grand Prize”) winner will be selected in a random drawing  from among all eligible Entries received and postmarked during the Sweepstakes Period, on or about January  17, 2025. Drawing will be conducted by an independent judging organization whose decisions are final on all  matters relating to this drawing. Approximate odds of winning the Grand Prize are dependent upon the number  of eligible Entries received.  

5. NOTIFICATION: The Grand Prize winner will be notified by email/phone and will be required to complete a  Declaration of Eligibility/Release of Liability/Publicity Release (where legal) within five (5) days of notification  attempt or Grand Prize will be forfeited and an alternate will be selected. If Grand Prize notification is  returned as non-deliverable, or if the potential winning Entrant fails to return the completed Declaration of  Eligibility/Release of Liability/Publicity Release within the required period, an alternate potential winning  Entrant will be selected and contacted (in accordance with these Official Rules). If the winning Entrant does  not comply with these Official Rules, then the potential winning Entrant may be disqualified, and an alternate  potential winning Entrant will be selected and contacted (in accordance with these Official Rules). The  potential winning Entrant is subject to verification by Sponsor and its agents, whose decisions, as to the  administration and operation of the Sweepstakes and the selection and confirmation of the potential winner  is final and binding in all matters related to the Sweepstakes. 

6. PRIZE AND APPROXIMATE RETAIL VALUE (“ARV”): Grand Prize (1 winner): $5,000 awarded as a check made  payable to the winner. All applicable federal, state, and local taxes are the winner’s responsibility. A 1099 tax  statement will be filed with the IRS for the winner for the total value of the prize. Winner may not substitute,  assign, or transfer prize. 

7. GENERAL RULES: Acceptance of the Grand Prize constitutes permission for the Sponsor and its agencies to  use the winning Entrant’s name and/or likeness for purposes of advertising and trade in any and all media  now known or otherwise developed without further compensation or review, including a winner list, unless  prohibited by law. In the event there is a discrepancy or inconsistency between disclosures or other  statements (in any and all media/medium) contained in any Sweepstakes materials and the terms and  conditions of the Official Rules, the Official Rules shall prevail, govern and control. Entries become the  property of the Sponsor. The Sponsor and its agencies are not responsible for technical, hardware, software  or telephone incompatibility or malfunctions of any kind, lost or unavailable network connections, or failed,  incorrect, incomplete, inaccurate, garbled or delayed electronic communications caused by the user or by any  of the software, products, equipment or programming associated with or utilized in the Sweepstakes or by  any human error which may occur in the processing of (or failure to process) the Entries in the Sweepstakes or  for any liability for damage to any computer system resulting from participation in connection with the  Sweepstakes. In the event of a dispute as to any Referral Entry, the authorized account holder of the email  address associated with the Entrant will be deemed to be the Entrant. Proof of submission of Entry does not  constitute proof of delivery or receipt of such information, or eligibility for the Sweepstakes. The Sponsor is  not responsible for the failure of any email or Entry to be received by the Sponsor for any reason. The Sponsor  reserves the right at its sole discretion to disqualify any individual that tampers or attempts to tamper with  the entry process or the operation of the Sweepstakes; violates these Official Rules; is suspected of cheating,  fraud, or acting in an unsportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or  harass any other person. Any Entrant who uses or is suspected of using cheating, fraudulent means,  unauthorized entry methods, or otherwise attempts to participate multiple times, or with multiple identities, 

social media accounts, e-mail and/or addresses will be disqualified. Any attempt by any person to  deliberately undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil  law, and, should such an attempt be made, the Sponsor reserves the right to seek damages from any such  person to the fullest extent permitted by law. The Sponsor's failure to enforce any term of these Official  Rules shall not constitute a waiver of that or any other provision. If, for any reason, the Sweepstakes is not  capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized  intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor which corrupt or  affect the administration, security, fairness, integrity or proper conduct of the Sweepstakes, then the Sponsor  reserves the right in its sole discretion to cancel or terminate the Sweepstakes and select the winning Entry in  a random drawing from among all eligible non-suspect Entries received prior to such action. By participating  in the Sweepstakes, the Entrants agree that the Released Parties, their respective parent, subsidiaries,  affiliates, agents, representatives, suppliers, distributors and advertising and promotional agencies, and all of  their respective shareholders, officers, directors, employees, members, representatives, agents, successors  and assigns, will have no liability whatsoever for, and will be released and held harmless by Entrant for any  threatened or actual claims, actions and liability for any bodily injury, loss, cost or damages of any kind to  persons, including death and property, damages sustained due in whole or in part, directly or indirectly, from  Entry creation, the acceptance, possession, use or misuse of the Grand Prize, if applicable, or participation in  the Sweepstakes or in any related activity. By entering the Sweepstakes, you hereby represent and warrant  that you have read these Official Rules and are fully familiar with its contents and agree to be bound thereto.  

8. GOVERNING LAW & VENUE: Except to the extent pre-empted by federal or other applicable state law, the  Sweepstakes shall be governed by the laws of the State of Georgia, without giving effect to any conflict of law  provisions thereof. By participating in the Sweepstakes, Entrants agree that any and all disputes which cannot  be resolved between Entrant and Sponsor, and causes of action arising out of or connected with the  Sweepstakes, shall be resolved individually, without resort to any form of class action, exclusively before a  court located in Georgia, having competent jurisdiction, which court shall apply the laws of the State of  Georgia without giving effect to any conflict of law provisions thereof. 

9. PRIVACY: Any personally identifiable information collected during your participation in the Sweepstakes will  be collected by Sponsor and used by it and its agents for purposes of the proper administration and fulfillment  of the Sweepstakes as described in these Official Rules, for any additional opt-in information you agreed to  upon participation, and in accordance with Sponsor's Privacy Policy, posted at  

https://privacy.greenlight.com/policies and as allowed by law. 

10. WINNER LIST: For the name of the winner, send a stamped, self-addressed envelope postmarked by March  18, 2025 to: Greenlight Referral Scholarship Sweepstakes Winner, 100 Marcus Dr. Attn: BV, Melville, NY  11747. 

11. SPONSOR: The Sweepstakes is sponsored by Greenlight Financial Technology Inc., 303 Peachtree Street NE,  Suite 4300, Atlanta, GA 30308. 

VOID WHERE PROHIBITED OR RESTRICTED BY LAW OR WHERE BONDING, REGISTRATION, OR OTHER  REQUIREMENTS WOULD BE REQUIRED BUT HAVE NOT BEEN MET.