Last Updated: February 5, 2025

General
 The following terms and conditions (the “Terms”) are applicable to the Lion’s ShareSM Loyalty Program (the “Lion’s Share Program”) that ML Plus LLC and its affiliates (collectively, “MoneyLion”) provides to Credit Builder Plus members (“member”, “you” or “your”) for engaging in certain membership-related activities. The Lion’s Share Program is offered at the sole discretion of MoneyLion. By participating in the Lion’s Share Program, you agree that you have read, understand and are bound by these Terms.  

These Terms supplement and become a part of your Credit Builder Plus Membership Agreement with ML Plus LLC (the “Membership Agreement”) and unless specifically stated in these Terms, terms defined in the Membership Agreement will have the same meaning in these Terms. In the event of a conflict between these Terms and the Membership Agreement, these Terms will control for purposes of the Lion’s Share Program only. Your use of any MoneyLion services or products, including making purchases with the MoneyLion-branded debit card or RoarMoney^SM virtual debit card (a “Debit Card”) associated with your deposit account (“Deposit Account”) provided by MoneyLion’s partner bank, Pathward N.A., Member FDIC (the “Bank”) constitutes your acceptance of the Lion’s Share Program. The Bank has no duties, obligations, or relationship relating to the Lion’s Share Program. The Bank is not affiliated in any way with the Lion’s Share Program and does not endorse or sponsor this offer. These Terms are subject to other agreements you enter into with MoneyLion and its affiliates and service providers, including, without limitation, the MoneyLion Terms of Service and Privacy Policy.

The terms and conditions of the Lion’s Share Program are subject to change or cancellation from time to time for any reason or no reason. MoneyLion may provide notice of changes to the Lion’s Share Program as and if required by applicable law. You should check these Terms frequently in order to understand the current terms and conditions that apply to the Lion’s Share Program. Your continued participation in the Lion’s Share Program will confirm your acceptance of any changes made to the program.

Loyalty Program Overview and Eligibility 
The Lion’s Share Program is a way for MoneyLion to reward and thank its loyal members for utilizing the MoneyLion app, making certain purchases with their Debit Cards or taking certain other qualifying actions. You must apply to and be accepted as a MoneyLion Credit Builder Plus Program (“CB+ Program”) member to be eligible for the Lion’s Share Program. By signing up for a CB+ Program Membership and thereby becoming a “CB+ Program Member”, you will automatically be enrolled in the Lion’s Share Program. Additionally, you must be a CB+ Program member and have an open and active Deposit Account to earn and be entitled to receive Lion’s Share Monthly Rewards (as defined in the Section entitled Participation and Benefits). MoneyLion reserves the right at any time to limit the number of participants in the Lion’s Share Program or in any individual Tier (defined below).

MoneyLion may limit or terminate your participation in the Lion’s Share Program or terminate any rewards, discounts, or special offers you have earned under the Lion’s Share Program if you have violated these Terms, if you are not a MoneyLion member in good standing, if you have defaulted on any obligations under your Membership Agreement or any other agreement with MoneyLion, or if you have been inactive for a period of time determined solely by MoneyLion. 

Participation and Benefits 
The rewards and benefits you are entitled to receive under the Lion’s Share Program are dependent upon how frequently you take certain actions related to your CB+ Program Membership. The Lion’s Share Program is divided into different loyalty tiers (“Tiers”), which provide different levels of rewards and benefits under the program. There are four unique Tiers in the Lion’s Share Program: Bronze, Silver, Gold, and Platinum. Your program Tier is determined at the end of each calendar month based on (i) how many days during that calendar month you logged into your MoneyLion App (as defined in the Terms of Service) and viewed any screen and (ii) how many Qualified Purchases (defined below) you made with your Debit Card during that month. The table below describes how you can earn status in a particular Tier. To make the “Lion’s Share Monthly Reward(s)” distribution, MoneyLion will deposit the equivalent dollar value of the amount listed below, in the form of Rewards Points (as defined in the MoneyLion Rewards Program Terms and Conditions), into the CB+ Program Member’s MoneyLion Rewards Account.

MoneyLion Lion’s Share^SM Loyalty Program
Terms and Conditions

CB+ Program Members must meet requirements with respect to both Qualified Purchases and Days of MoneyLion app logins to qualify for any given tier. CB+ Program Members who earn status in a Tier for a given month will be entitled to Rewards Points equivalent to the dollar values listed above for that month (the “Lion’s Share Monthly Reward(s)”), as further described below.  Additionally, earning status in a Tier may also make you eligible for certain rewards, benefits, and offers applicable to that Tier, which may change from time to time and may be offered on a limited basis. Information regarding rewards, benefits, and offers available to a particular Tier may be posted in the FAQ or may be communicated through other media (e.g., via email, direct communications, marketing communications, social media, etc.). 

For purposes of the Lion’s Share Program, “Qualified Purchases” are purchases for goods or services of at least $10.00 that you make with your Debit Card that post to your account during a particular calendar month, after subtracting any returns, credits or other adjustments. Qualified Purchases do not include balance transfers, cash advances, loan proceeds, ATM transactions, finance charges, fees, interest charges, gambling transactions, peer-to-peer transfers from services such as PayPal, Cash App, or Venmo, unauthorized/fraudulent transactions, and certain other charges. Transactions that are not Qualified Purchases (including those that are shown as pending or authorized but not posted to your account by the end of a calendar month) do not count toward your Tier status for that month. Purchases that otherwise constitute Qualified Purchases that are shown as pending or authorized at the end of a calendar month and post to your account in the following month will count toward your Tier status in the following month. MoneyLion receives transaction data regarding purchases (including as to whether a purchase is pending, authorized, or posted to an account) from third-party merchants and payment processors. MoneyLion will not be responsible for any failure of a merchant or payment processor to provide timely or accurate information regarding a purchase to MoneyLion.

Lion’s Share Program Tiers are determined at the end of each calendar month.  For clarity, you must re-qualify for a particular Tier status each month; Tier status is not maintained from month-to-month without re-qualification. MoneyLion reserves the right, in its sole discretion, to change how you earn status in each Tier and how it evaluates and defines each purchase and/or action required to earn status in a Tier.

Lion’s Share Monthly Rewards 
At the beginning of each month, each participant in the Lion’s Share Program who is a qualifying CB+ Program Member and who has earned status in a Tier will be entitled to a Lion’s Share Monthly Reward. The Lion’s Share Monthly Reward for the Platinum Tier will have an equivalent dollar value of $19.99 per month. Currently, the Lion’s Share Monthly Payments are $10.00 for the Gold Tier, $5.00 for the Silver Tier, and $2.00 per month for the Bronze Tier.

Any Lion’s Share Monthly Rewards to which you are entitled will be credited to your MoneyLion Rewards Account (the “Rewards Account”) in the form of Rewards Points. MoneyLion may, in its discretion, allow members to apply Lion’s Share Monthly Payments in different manners, such as applying the amounts toward outstanding amounts you owe on any loan you have borrowed from MoneyLion or its affiliates or partner banks. MoneyLion has sole discretion with respect to how Lion’s Share Monthly Rewards are awarded under the Lion’s Share Program. The Lion’s Share Monthly Payments will be treated for tax purposes as a discount against a member’s monthly Membership Fee. 

To be eligible for Lion’s Share Monthly Rewards, your Deposit Account must be open and in good standing, with a positive cash balance, and you must be a CB+ Program Member in good standing (which may include being current on payments in connection with any loan you have borrowed from MoneyLion or its affiliates or partner banks).

Generally, Lion’s Share Monthly Rewards will be awarded on a monthly basis within five business days of the end of the applicable month in which you earned status in a qualifying Tier. Earned Lion’s Share Monthly Rewards will be reflected in your Rewards tab. If your Deposit Account is closed before the Lion’s Share Monthly Rewards are awarded or if your Deposit Account or your CB+ Program Membership is not in good standing at the time Lion’s Share Monthly Rewards are to be awarded, all Lion’s Share Monthly Rewards for the current month will be forfeited.

The Rewards Program is void where prohibited by federal, state or local law. Lion’s Share Monthly Rewards are non-negotiable and cannot be redeemed for any benefit except those designated by MoneyLion. Lion’s Share Monthly Rewards do not have value until they are awarded pursuant to these Terms. Until they are awarded, Lion’s Share Monthly Rewards are not property, and may not be brokered, bartered, attached, pledged, gifted, sold, or unless specifically authorized by MoneyLion, transferred to anyone else under any circumstances, including, but not limited to: disability, death, or in connection with any domestic relations dispute and/or legal proceeding.

If any transaction(s) that led to your eligibility to receive a Lion’s Share Monthly Reward is either refunded, credited, or otherwise rescinded after Lion’s Share Monthly Rewards have been awarded, MoneyLion may, in its discretion, withhold subsequent Lion’s Share Monthly Rewards or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit to your Deposit Account or Advisory Account.

MoneyLion’s decisions regarding Lion’s Share Monthly Reward discrepancies shall be final.  Unless specifically authorized by MoneyLion, Lion’s Share Monthly Rewards may not be combined with other discounts, special rates, promotions, or other reward programs offered by MoneyLion.

Expiration

Your unredeemed Rewards Points will expire upon the earlier of (a) the date that you no longer have a MoneyLion account in good standing (including if your action is closed for misuse, fraud or any other permitted purpose) and (b) 365 days after the date that you last earned Reward Points. Unless MoneyLion has made an error, your Rewards Points will not be reinstated after expiration.

Miscellaneous
MoneyLion can immediately suspend or disqualify you from the Lion’s Share Program, in whole or in part, at any time and for any reason. MoneyLion will suspend or disqualify you from the Lion’s Share Program if you violate any terms and conditions governing your MoneyLion Deposit Account or CB+ Program Membership, engage in fraud or suspected fraud (or if someone associated with your Deposit Account does so), misuse or “game” the Lion’s Share Program or if MoneyLion has reason to believe that you have taken another similar action, in its sole discretion. If MoneyLion suspends or cancels your participation in the Lion’s Share Program, this action may prevent you from earning and/or using Lion’s Share Monthly Rewards or other rewards and benefits available under the Lion’s Share Program and/or require MoneyLion and the Bank to close your Deposit Account. You are responsible for all transactions and other activities resulting from the use of your Deposit Account and associated Debit Card.

The Lion’s Share Program is available for personal, family, and household use only. MoneyLion reserves the right to disallow or remove Lion’s Share Monthly Rewards and any other rewards or benefits under the Lion’s Share Program awarded for transactions made for other than personal, family, or household use.

You agree to release MoneyLion, the Bank and their respective parents, subsidiaries, affiliates, directors, officers, employees, contractors, agents and representatives from all liability for loss, claim, expense, or damages sustained by you, in connection with the receipt, ownership or use of any Lion’s Share Monthly Rewards or other rewards and benefits provided under the Lion’s Share Program. The foregoing parties shall not be liable for incidental, punitive, exemplary, indirect or consequential damages (including lost profits), and the sole extent of liability, if at all, shall not exceed $100. Neither MoneyLion nor the Bank is responsible for typographical errors and/or omissions in any Lion’s Share Program document.

You are responsible for determining any tax liability arising from participation in the Lion’s Share Program. Consult your tax advisor concerning tax consequences.

Disclosures

Rewards are subject to terms and conditions.

RoarMoney℠ demand deposit account is provided by, and MoneyLion Debit Mastercard® is issued by, Pathward®, National Association, Member, FDIC. RoarMoney is a service mark of MoneyLion. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. MoneyLion is not itself a bank or a FDIC-insured institution and the FDIC's deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association is a FDIC-insured depository institution.

Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder loans and other exclusive services.

Credit Builder loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are offered by affiliates of MoneyLion and subject to approval. The Credit Builder loan may require a portion of the loan proceeds to be deposited into a Credit Reserve Account maintained by ML Wealth LLC and held in non-marginable securities by DriveWealth LLC, member SIPC and FINRA. Not available in all states.

Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Credit Reserve Account, see Investment Account FAQs and ML Wealth LLC’s FORM ADV. Please also refer to your Loan Agreement.

Credit score improvement is not guaranteed. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations.