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NO PURCHASE NECESSARY. PURCHASE OR SIGNING UP FOR ANY SERVICES WILL NOT INCREASE CHANCES OF WINNING. MEMBERSHIP IS NOT REQUIRED TO PARTICIPATE IN THE PRIZE DRAWING.

PROGRAM OVERVIEW
Spero Financial offers two (2) separate quarterly referral giveaway programs: the Member Referral Program (member-to-member referrals) and the Employee Referral Program (employee-to-member referrals). Both programs run on a quarterly basis. Each program operates independently with its own entries, drawings, and prizes.

PROGRAM 1: MEMBER REFERRAL PROGRAM

PROMOTION ENTRIES — MEMBER REFERRAL
Automatic Entries: An eligible Spero Financial member in good standing ("Referring Member") will receive one (1) entry when: (1) The Referring Member submits a referral through Spero’s official Refer A Friend form during the Promotion Period; and (2) The referred individual ("Referred Person") becomes a new Spero member and either opens a qualifying Spero Checking Account or is approved for and opens any qualifying consumer loan within 30 days of the end of the Promotion Period and remains in good standing at the time of drawing.

The Referred Person who becomes a new Spero member and either opens a qualifying checking account or is approved for and opens a qualifying consumer loan within 30 days of the end of the Promotion Period will also receive one (1) entry into the drawing.

Qualifying Spero Checking Accounts include any consumer checking product offered by Spero Financial at the time of account opening, such as Aspire, Kasasa Cash, Kasasa Cash Back, Rewards+, Rewards, Rewards 50, Simply, and Student Checking. Student Checking will qualify as long as the Referred Person is 18 years or older.

Eligible Consumer Loans include the following: Auto, Motorcycle, Boat, PWC, Power Sport, and Recreational Vehicle Loans, Savings or Certificate-Secured Loans, Credit Card, and Personal Loans.

Membership must be approved and accounts/loans must be fully established by 11:59:59 PM ET within 30 calendar days of the final day of the Promotion Period to qualify.

Manual Entries: Spero Financial members and non-members who wish not to make a referral and/or open an account may be entered for a chance to win by sending an email during the promotion period using the subject line: Quarterly Referral Giveaway Entry to [email protected] and include your legal name, mailing address, and phone number. Manual entries must be received by Spero Financial no later than 11:59:59 PM ET on the final day of the Promotion Period to be eligible.

PROMOTION PERIOD — MEMBER REFERRAL
The Member Referral Program consists of a series of separate quarterly drawings (each a "Quarterly Sweepstakes"). Each Quarterly Sweepstakes begins at 12:00 AM ET on the first day of each calendar quarter and ends at 11:59 PM ET on the last day of the same calendar quarter. All times are Eastern Time and denote the time Spero Financial receives the entry. Non-winning entries do not roll over.

Spero Financial may discontinue offering future Quarterly Sweepstakes at any time by ceasing to announce subsequent Quarterly Sweepstakes periods. This will not affect any Quarterly Sweepstakes already underway.

NUMBER OF ENTRIES — MEMBER REFERRAL
Automatic Entries: Referring Members will receive one (1) entry per qualifying referral resulting in a new membership and either a checking account or consumer loan opened within 30 days of the end of the Promotion Period. Referred Persons who become a new Spero member and either open a qualifying checking account or are approved for and open a qualifying consumer loan within 30 days of the end of the Promotion Period will also receive one (1) entry into the drawing. There is no limit to the number of qualifying referrals a Referring Member may submit; however, each referral must result in a new membership and either a qualifying checking account or consumer loan to receive an entry.

Manual Entries: Manual entries are limited to one (1) per eligible person per quarter.

PRIZE DRAWING — MEMBER REFERRAL
Spero Financial will randomly select two (2) winners each quarter:

• One (1) winner from eligible Referring Members.
• One (1) winner from eligible Referred Persons.

Each winner will receive a $500 prize. Prizes will be deposited into the winner’s Spero primary share (membership) account. A check will be issued at Spero Financial’s discretion. Drawings will take place within 45 days following the end of each Promotion Period. The selection of winners is final. Winners do not have to be present to win.

ELIGIBILITY — MEMBER REFERRAL
At the time of the drawing, you must be 18 years of age or older, a U.S. Citizen or U.S. Lawful Permanent Resident, have a mailing address located in the U.S., and all accounts and loans with Spero Financial must be in good standing. All employees and volunteers of Spero Financial and their immediate family members residing in a single household are not eligible to enter the Member Referral Program.

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PROGRAM 2: EMPLOYEE REFERRAL PROGRAM

PROMOTION ENTRIES — EMPLOYEE REFERRAL
Automatic Entries: An active Spero Financial employee ("Referring Employee") will receive one (1) entry when: (1) The Referring Employee submits a referral through Spero’s official Refer A Friend form during the Promotion Period; and (2) The referred individual ("Referred Person") becomes a new Spero member and either opens a qualifying Spero Checking Account or is approved for and opens any qualifying consumer loan within 30 days of the end of the Promotion Period and remains in good standing at the time of drawing.

The Referred Person who becomes a new Spero member and either opens a qualifying checking account or is approved for and opens a qualifying consumer loan within 30 days of the end of the Promotion Period will also receive one (1) entry into the Employee Referral drawing.

Qualifying Spero Checking Accounts and Eligible Consumer Loans are the same as defined under the Member Referral Program above. Membership must be approved and accounts/loans must be fully established by 11:59:59 PM ET within 30 calendar days of the final day of the Promotion Period to qualify.

Referring Employees may not refer themselves, individuals with whom they share a household, other Spero Financial employees, individuals with whom share a household with an existing Spero Financial employee, or existing Spero Financial members.

PROMOTION PERIOD — EMPLOYEE REFERRAL
The Employee Referral Program consists of a series of separate quarterly drawings that run concurrently with the Member Referral Quarterly Sweepstakes. Each quarterly period begins at 12:00 AM ET on the first day of each calendar quarter and ends at 11:59 PM ET on the last day of the same calendar quarter. All times are Eastern Time. Non-winning entries do not roll over.

Spero Financial may discontinue offering future Employee Referral quarterly drawings at any time. This will not affect any drawing already underway.

NUMBER OF ENTRIES — EMPLOYEE REFERRAL
Referring Employees will receive one (1) entry per qualifying referral resulting in a new membership and either a qualifying checking account or consumer loan opened within 30 days of the end of the Promotion Period. There is no limit to the number of qualifying referrals a Referring Employee may submit; however, each referral must result in a new membership and a qualifying product to receive an entry.

The Referred Person will also receive one (1) entry into the Employee Referral drawing per qualifying referral.

PRIZE DRAWING — EMPLOYEE REFERRAL
Spero Financial will randomly select two (2) winners each quarter from the Employee Referral Program:

One (1) Referring Employee winner, who will receive:

• 8 hours of Vacation Time
• $50 Spero Shop gift certificate

One (1) Referred Person winner, who will receive a $500 prize deposited into their Spero primary share (membership) account. A check will be issued at Spero Financial’s discretion.

Drawings will take place within 45 days following the end of each Promotion Period. The selection of winners is final. Winners do not have to be present to win.

Vacation time is awarded to winning Referring Employees will be processed in accordance with Spero Financial’s standard HR policies and procedures. The $50 Spero Shop gift certificate will be issued in the manner designated by Spero Financial.

ELIGIBILITY — EMPLOYEE REFERRAL
Referring Employees must be active, full-time or part-time Spero Financial employees in good standing at the time of drawing. Referred Persons must be 18 years of age or older, a U.S. Citizen or U.S. Lawful Permanent Resident, have a mailing address located in the U.S., and all accounts and loans with Spero Financial must be in good standing at the time of drawing. Referring Employees may not refer themselves, individuals with whom they share a household, other Spero Financial employees, individuals with whom share a household with an existing Spero Financial employee, or existing Spero Financial members.

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GENERAL RULES — APPLICABLE TO BOTH PROGRAMS

APPLICABLE LAWS & TAXES
Void where prohibited by law. All federal, state, and local laws and regulations apply. Prize winners are responsible for all federal, state, local and other taxes or assessments that may be associated with or imposed upon the winner of any prize in this promotion. Employee Vacation Time reward is considered compensation and will be subject to applicable payroll taxes and withholding in accordance with Spero Financial’s standard payroll practices.

ACCEPTANCE OF PRIZE
By accepting a prize, the winner consents to use of his/her name and photograph or likeness for advertising and promotional purposes such as the credit union’s newsletter, website, Twitter, Facebook, Instagram, and other channels without compensation. Failure of the entrant to follow the rules of the promotion will void the entry.

RELEASE OF CLAIMS
All winners, members of any winner’s household, relatives, and persons who use any prize awarded by Spero Financial and such person’s heirs, assigns, executors, and administrators release and exempt Spero Financial and its directors, officers, staff, agents, and volunteers from any and all claims, actions, demands, or damages which they have now or anytime in the future arising from use of any prize, including personal injury or death. Spero Financial is not responsible for lost, late, misdirected, or incomplete entries. Late, misdirected, or incomplete entries will be disqualified. If prize winnings are deposited to your account with Spero Financial, you understand and agree that anyone authorized to conduct transactions on such account will have unlimited access to the prize funds once the deposit is completed.