YELL Consumer Incentive Program

Rules and Terms

Last update — 06/30/2025

Incentive Program Details

• Bonus: Any bonus will be transferred by YELL into the YELL account of the Customer
  within 7 business days of earning the Bonus.
• Customer: A Customer is an individual who created a YELL account and completed
  the onboarding Customer verification process.
• Notification: Customers will be notified by email and app notification.
• Qualifying Transaction: A Qualifying Transaction is the purchase of goods or
  services using the YELL wallet as the form of payment. Qualifying Transactions
  exclude (1) gambling and purchases of CBD products, (2) sending money directly to
  other YELL Customers via direct peer-to-peer transfer, and (3) transfers between
  connected accounts and the YELL wallet.
• Referral limitation: The referral Bonus can be earned no more than 10 times.
• Updates: YELL, at its sole discretion, reserves the right to update, modify, or suspend
  the sign-on Bonus and referral Bonus offerings. During suspension, these offerings
  will be temporarily unavailable to new Customers.

Sign-on Bonus

Any new Customer will receive a one-time Bonus of $10 after spending their first $100 in
Qualifying Transactions with YELL. A Qualifying Transaction is the purchase of goods or
services using the YELL wallet as the form of payment.

Referral Bonus

A referral Bonus of $5 will be provided to the referring customer and the referred Customer
if the referred Customer (1) has not previously held a YELL account, and (2) signs up for a
new YELL account using the referring Customer’s unique referral code.

Incentive Program Monitoring Disclosure

At YELL, we regularly monitor our incentive programs to ensure compliance with all applicable laws,
regulations, and internal policies—while protecting both individual consumers and business
customers from abuse or misuse. By participating, you acknowledge and agree that:

• Monthly Audits & Spot Checks: We review eligibility, rewards, and redemptions on a
  monthly basis, supplemented by random checks without prior notice.
• Event-Driven & Annual Reviews: Specific incidents may trigger immediate investigations,
  and a comprehensive year-end evaluation helps assess overall program effectiveness.
• Data Analytics & Manual Reviews: We use automated tools and manual verification to
  detect suspicious activities, unusual redemption rates, or policy violations.
• Participant Feedback & Record-Keeping: Feedback channels and detailed logs allow us to
  address concerns and maintain transparency for potential regulatory audits.

If potential misuse is identified, YELL may suspend or terminate participation, require restitution, or
adjust future incentive terms. We will cooperate with any regulatory or law enforcement inquiries as
needed. For more details or to request a summary of how your incentives are monitored, please
review our Incentives Programs (this document) or contact our customer support team.

Additional Disclosures

Please note that Bangor Savings Bank is not managing, sponsoring, or facilitating this incentive and sweepstakes program. All services, offerings, and communications related to these programs are provided solely by YELL Payment and are in no way affiliated with, endorsed by, or representative of Bangor Savings Bank. Bangor Savings Bank is not responsible for any liabilities, obligations, or claims arising from participation in this program.

YELL Payment is a financial technology (fintech) company, not an FDIC insured depository institution. Banking services provided by Bangor Savings Bank, Member FDIC. FDIC insurance coverage protects against the failure of an FDIC insured depository institution. Pass through FDIC insurance coverage is subject to certain conditions. The YELL Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.