Nest Egg Rewards Program Terms and Conditions

General

These Terms and Conditions govern the WISE LOAN Cash Rewards Program (“Program”), and your participation in the Program. The Program allows WISE LOAN customers to receive Cash Rewards for certain activities and transactions (“Cash Rewards”), which may be applied to receive a discounted amount on a future WISE LOAN or by election of the customer,paid directly to the customer upon successfully paying the loan in full.
*The Nest Egg Reward values are subject to change at WISE LOAN’s sole discretion. WISE LOAN may also issue Cash Rewards for other activities on an ad hoc or promotional basis from time to time in its discretion.

Current Activities Required to Qualify for the Nest Egg Rewards program:

• Successful repayment in full of a WISE LOAN according to the loan’s original terms
• Completion of other activities that WISE LOAN may designate from time-to-time in these Terms and Conditions Nest Egg Rewards for Making Successful, On Time Regularly Scheduled Payments

Nest Egg Rewards will be awarded to a customer making the successful and timely payment in full of all scheduled payments due on a WISE LOAN in accordance with the customer’s loan agreement. Nest Egg Rewards earned by making successful, on–time payments in full are subject to a holding period of ten (10) calendar days so that WISE LOAN can ensure the processing and application of any payments the customer has made. A customer’s payment is not considered “successful” if any portion of the payment is returned or otherwise cannot be processed or if the payment is a partial payment. Nest Egg Rewards will not be issued for a loan pay off that is a result of a refinancing. Nest Egg Rewards will not be issued for a loan that is not paid off in full.

Modifications to and Termination of the Program

WISE LOAN reserves the right to modify or terminate the Program or any aspect of the Program, including, without limitation, Reward Discounts, Reward Discount thresholds, Reward Values and the criteria by which Nest Egg Rewards are awarded at any time without notice. Nest Egg Rewards already earned will be available for a future WISE LOAN or paid directly to the customer upon any exercised termination.

Maintenance Fee on Unredeemed Nest Egg Balance

The Cash Rewards available through the Program are documented in Wise Loan’s system as a record that evidences certain monetary consideration that the customer has earned and is held by Wise Loan for the customer’s benefit and use. The accumulated or stored value of the customer’s Cash Rewards shall be subject to reasonable account maintenance fee for Wise Loan’s ongoing maintenance of the customer’s Cash Rewards account. The funds held in a customer’s Cash Rewards account do not expire; however, Wise Loan will assess an annual maintenance fee in an amount equal to twenty percent (20%) of any unredeemed balance in the customer’s Cash Rewards account after 12 months of continuous inactivity or dormancy, from the time of the last activity on the customer’s Cash Rewards account or the account balance reaches $0.00, whichever occurs first.

Privacy

WISE LOAN will handle any non-public personal information a customer provides in connection with the Program as described in the Privacy Policy.