LENDIO FEEDBACK  INTERVIEW INCENTIVE PROMOTION TERMS AND CONDITIONS ELIGIBILITY

This opportunity to participate in a process wherein you will provide feedback to Lendio on certain topics via providing a video response to questions provided by Lendio through Zoom service (“Interview”) (together the Survey and the Interview are referred to as the “Offering”). The Offering is open only to Qualifying Entrants. A Qualifying Entrant meets all of the following criteria: (1) an individual who is eighteen (18) years of age or older, (2) schedules a 30 minute interview through a Calendly link (3) completes 30 minute interview through Zoom with application feedback (4) has downloaded the Lendio mobile app (5) has completed the Lendio app on boarding process which includes linking a bank account or accounting software, and (6) who dresses and presents themselves professionally. Indecent, inappropriate, or unprofessional attire or backgrounds will cause the entry to not qualify for Gift Card. Limit one gift card per business Lendio reserves the right to cancel this offer at any time. By participating in the Offering as described in these terms and conditions (the “Offering Terms“), You represent and warrant that you are eighteen years of age at the time of purchase and otherwise fully agree and comply with these Interview Terms.

HOW TO CLAIM YOUR GIFT CARD: Starting November 28, 2022, any individual who receives a message from Lendio notifying them of their eligibility to participate in the Offering is eligible to receive the free gift card so long as they complete the Offering on or before January 28, 2023, or after twenty gift cards are provided, whichever occurs first.

To receive a Visa Gift Card in the amount of $100.00, You must schedule an interview through a Calendly link, complete the scheduled interview through Zoom with application feedback, have downloaded the Lendio mobile app and completed on boarding process which includes linking a bank account or accounting software This recorded interview will take 30 minutes. Lendio reserves the right to not pay out a gift card for incomplete, or short answers.. Please provide this information in the Zoom interview, however, Lendio reserves the right to request this information if it is not provided in the Zoom interview, and may withhold the gift card until this information is provided.

Within ten (10) days of completion of the transaction, Lendio will send to the email associated with your account a method by which you can claim a Visa gift card in the amount of $100.00 USD (the “Gift Card”). In its sole discretion, Lendio may alter the method of delivery on a case-by-case basis. Lendio is not responsible for any inability to access the Promotion or claim a Gift Card due to difficulty accessing the internet, service outage or delays, computer difficulties and other technological problems. The Gift Card will expire when the “valid thru” date printed on the front of the Card has passed. If you have funds remaining on the Gift Card, but the card expires, please contact 1 (888) 524-1283. To request a replacement Card. Additional terms for the Gift Card can be found at the following links:

Tremendous Rewards Cardholder Agreement

Tremendous Gift Rocket Prepaid Gift Agreement

Sutton Bank Privacy Disclosure

RESTRICTIONS AND AVAILABILITY: The Gift Card is provided only to those individuals who meet the eligibility requirements. Limit (1) one Gift Card per individual. Gift cards available to the first twenty (20) eligible individuals. Total prize pool is two thousand dollars ($2,000) USD paid out in one hundred dollar ($100) USD increments.

OTHER RULES: This Promotion is subject to all applicable laws and is void where prohibited. Gift Card recipients (each a “Recipient“) assume all liability for any injuries or damage caused or claimed to be caused by participation in this Promotion or by the use or misuse of the Gift Card.

If, in Lendio’s opinion, there is any suspected or actual evidence of fraud, electronic or non-electronic tampering or unauthorized intervention with any portion of this Promotion, or if fraud or technical difficulties of any sort (e.g., computer viruses, bugs) compromise the integrity of the Promotion, Lendio reserves the right to terminate the Promotion and distribute the Gift Cards in its sole discretion. Any attempt to deliberately damage Lendio’s website or undermine the legitimate operation of the Promotion may be in violation of U.S. criminal and civil laws and will result in disqualification from the Promotion. Should such an attempt be made, Lendio reserves the right to seek remedies and damages (including attorney’s fees) to the fullest extent of the law, including pursuing criminal prosecution.

Photo/Video Release: By participating in the Lendio Feedback Interview, I hereby authorize Lendio, Inc. (“Lendio”), and those acting pursuant to its authority to: (i) record my image, likeness and/or voice on a video, audio, photographic, digital, electronic, or any other medium (together “recordings”); (ii) use my name, video and audio recordings of me, and biographical material in connection with such recordings; and (iii) take, edit, alter, copy, enhance, crop, exhibit, publish distribute, and make use of any and all recordings taken of me to be used in and/or for any lawful promotional materials in any medium (e.g. print publications, video, internet, etc.) for promotional, advertising, education, and/or other lawful purposes. This authorization also covers any and all recordings provided by me to Lendio. I hereby release and hold harmless Lendio from any reasonable expectation of privacy or confidentiality associated with the recordings.

This authorization extends to all languages, media, formats, and markets now known or later discovered. This authorization shall continue indefinitely unless I otherwise revoke this authorization in writing. I waive the right to inspect or approve any finished product in which my likeness appears, including written or electronic copy. I release and waive any claims or rights of compensation or ownership regarding such uses, including any right to royalties or other compensation arising or related to the use of the photograph. I release Lendio, its contractors, employees, and any third parties involved in the creation or publication of marketing materials from liability for any claims by me or any third party in connection with my participation including without limitation any claims related to blurring distortion, alteration, optical illusion, digital alteration, use in composite form, whether intentional or otherwise, or use of a fictitious name, that may occur do to processing, publication or dissemination of the image, likeness or voice I understand and agree that all such recordings shall remain the property of Lendio. I certify that I am 18 years of age or older.

DISCLAIMER: GIFTS CARDS ARE PROVIDED ON AN “AS IS” BASIS, WITHOUT FURTHER WARRANTY OF ANY KIND. LENDIO HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE GIFT CARDS.

LIMITATION OF LIABILITY: BY PARTICIPATING IN THE PROMOTION, PARTICIPANTS, ON BEHALF OF THEMSELVES AND THEIR HEIRS, EXECUTORS, ASSIGNS AND REPRESENTATIVES, RELEASE AND HOLD THE LENDIO, ITS SUBSIDIARIES, AFFILIATED COMPANIES, UNITS AND DIVISIONS, AND THE CURRENT AND FORMER OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AGENTS, SUCCESSORS AND ASSIGNS OF EACH OF THE FOREGOING, AND ALL THOSE ACTING UNDER THE AUTHORITY OF THE FOREGOING, OR ANY OF THEM (INCLUDING, BUT NOT LIMITED TO, ADVERTISING AND PROMOTIONAL AGENCIES AND GIFT CARD SUPPLIERS) (EACH A “RELEASED PARTY“), HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, ACTIONS, INJURY, LOSS, DAMAGES, LIABILITIES AND OBLIGATIONS OF ANY KIND WHATSOEVER (COLLECTIVELY, THE “CLAIMS“) WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, WHICH PARTICIPANT EVER HAD, NOW HAVE, OR HEREAFTER CAN, SHALL OR MAY HAVE, AGAINST THE RELEASED PARTIES (OR ANY OF THEM), INCLUDING, BUT NOT LIMITED TO, CLAIMS ARISING FROM OR RELATED TO THE PROMOTION OR PARTICIPANT’S PARTICIPATION IN THE PROMOTION (INCLUDING, WITHOUT LIMITATION, CLAIMS RELATING TO THE RECEIPT, OWNERSHIP, USE, MISUSE, TRANSFER, SALE OR OTHER DISPOSITION OF THE GIFT CARD. All matters relating to the interpretation and application of these Terms and Conditions shall be decided by Lendio in its sole discretion.

DISPUTES: As a condition of participating in the Promotion, participants agree that any and all disputes that cannot be resolved between participant and Lendio, and causes of action arising out of or connected with the Promotion or these Terms and Conditions, shall be resolved individually, without resort to any form of class action, exclusively before a court of competent jurisdiction located in the State of Utah and participant irrevocably consents to the jurisdiction of the federal and state courts located in the State of Utah with respect to any such dispute, cause of action, or other matter. All disputes will be governed and controlled by the laws of the State of Utah (without regard for its conflicts-of-laws principles). Further, in any such dispute, under no circumstances will participant be permitted to obtain awards for, and hereby irrevocably waives all rights to claim, punitive, incidental, or consequential damages, or any other damages, including attorneys’ fees, other than participant’s actual out-of-pocket expenses (i.e., costs incurred directly in connection with participant’s participation in the Promotion), and participant further irrevocably waives all rights to have damages multiplied or increased, if any. EACH PARTY EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY. All federal, state, and local laws and regulations apply.

PRIVACY AND ADDITIONAL TERMS: Information collected from participants in connection with the Promotion is subject to Lendio privacy policy, which may be found at https://www.lendio.com/agreements/privacy-policy/. All transactions are subject to Lendio’s Terms of Use: https://www.lendio.com/agreements/terms-of-use/.

BY PARTICIPATING, YOU AGREE THAT YOU HAVE READ AND AGREE TO THESE TERMS AND CONDITIONS.