Referral Bonus Terms

Effective: August 2025

These Referral Program Terms (the “Program Terms”) govern participation in the Qwik

Referral Program (the “Program”). By participating, you agree to these Program Terms as

well as the Qwik Terms of Use.

Eligibility

The Program is open to individuals who:

- Have been approved for a Qwik Card,

- Remain in good standing with Qwik, and

- Complete at least one qualifying purchase with their Qwik Card during the Program period.

Participants who meet these requirements are referred to herein as “you.”

Referral Bonus

- When you refer a new user who is approved for a Qwik Card and makes their first

qualifying transaction, you will be eligible to receive a referral reward (the “Referral

Bonus”).

- The Referral Bonus will be awarded in an amount randomly selected between $10 and

$200, determined by Qwik at its sole discretion.

- Most participants will receive a bonus between $10 and $25 based on a weighted

distribution.

Referral Restrictions

- You may only refer individuals with whom you have a direct, personal relationship.

- Referral links may not be distributed through mass email, public posting, social media, paid advertising, or any other method of commercial solicitation.

- Attempts to exploit the Program, including making token purchases without genuine intent

to use the Qwik Card, are prohibited and may result in account closure and forfeiture of any Referral Bonus.

Limits & Taxes

- The maximum cumulative Referral Bonuses you may earn under the Program is $250.

- If your Referral Bonuses in a calendar year exceed $599, Qwik may require you to submit a completed Form W-9 prior to disbursement.

- You are responsible for any federal, state, or local taxes associated with the Referral Bonus.

Program Changes

Qwik may modify, suspend, or terminate the Program at any time, with or without notice, at its sole discretion.