NEST EGG REWARDS PROGRAM

Earn $10-$50 per $1000 borrowed…

depending on how many loans you've paid off as agreed.

EARN Rewards Cash 2 Ways:

Take out a WiseLoan and repay it on time.

Receive $1-$5 in your Nest Egg Rewards account for every $100 you have borrowed and successfully repaid. The amount you receive depends on the number of loans you've paid off as agreed. Learn More

The amount is added to your rewards balance as soon as the loan is successfully paid in full.

Refer a friend.

Receive $25 in your Nest Egg Rewards account for every friend who takes out a loan with us.

The amount is added to your rewards balance as soon as your friend's loan agreement is signed.

SPEND Rewards Cash 3 Ways:

Cash deposited into your bank account.

Receive the full cash value of your Nest Egg Rewards Balance, electronically deposited into your bank account.

Deposit may take up to 5 business days.

Add it to your next WiseLoan.

Whatever the amount of your next WiseLoan, you can add the cash value of your Nest Egg Rewards Balance to the loan amount.

Reduce a payment.

Apply the cash value of your Nest Egg Balance to reduce a payment on your existing loan.

How Much Can You Earn?

You are eligible for the Nest Egg Rewards Program if:

• You have taken out an installment WiseLoan of any amount.
• For each loan, you have paid back 100% of the principal, interest
and fees within the original terms of the loan.

The amount of Nest Egg Cash Reward Dollars
you receive is based on the number of loans
you've successfully paid.

Number of
Successfully
Paid Loans
Nest Egg Cash
Rewards per
$1000 Borrowed
1 $10
2 $20
3 $30
4 $40
5 $50

*These 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.

Nest 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.
*These 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 Cash 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

Cash Rewards for Making Successful, On Time Regularly Scheduled Payments
Cash 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. Cash 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. Cash Rewards will not be issued for a loan pay off that is a result of a refinance. Cash 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 Cash Rewards are awarded at any time without notice. Cash Rewards already earned will be available for a future WISE LOAN or paid directly to the customer upon any exercised termination.

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

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