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Stash Stock-Back® Trial Rewards Program 

Terms and Conditions

Effective August 12, 2020 (the “Effective Date”) for Stock-Back® participants who receive an invitation directly from Stash to participate in the program described herein 

General Description

The Stash Stock-Back® Trial Rewards Program (the “Program”) is a rewards program offered by Stash Financial, Inc. and/or its affiliates (collectively, “Stash”) to its customers that supplements its Stash Stock-Back® Rewards program – a rewards program offered by Stash in which a Stash debit account holder may choose to participate that enables such holder to earn fractional shares of stock of certain publicly-traded companies and/or exchange-traded funds on certain qualifying purchases made using a Stash Debit card. The Program enables Eligible Participants to earn Daily Stock-Back® Rewards during their respective Offer Period, as further described below. 

The Program is subject to the terms and conditions stated herein (the “Program Terms”). By choosing to participate in this Program, you are accepting and agreeing to these Program Terms. These Program Terms form an agreement between you and Stash with respect to the Program. You should read these Program Terms carefully.

Eligibility For Participation

To be eligible to receive an invitation from Stash to participate in this Program, you must satisfy each of the following conditions on or after the Effective Date (each, an “Eligible Participant”): (i) have both a Stash Invest account and a Stash Banking account for at least 30 days, both of which must be in good standing (as further described below), (ii) be enrolled as a participant in the Stash Stock-Back® Rewards program, which is governed by the Stock-Back® Rewards Terms and Conditions (the “Stock-Back® Program Terms”) and adhere to the Stock-Back® Program Terms and meet the eligibility requirements set forth therein, (iii) have linked a funding account (e.g. an external bank account) to your Stash Banking account and Stash Invest account through Plaid Inc. or Quovo, Inc., and (iv) have not made any deposits into your Stash Banking account following the date that you opened your Stash Banking account.

See the full Stock-Back® Program Terms referenced above, which you agreed to when you joined that program, for important disclosures about that program. The Stock-Back® Program Terms are incorporated herein by reference with the same force and effect as though fully set forth herein. The funding account (e.g. an external bank account) that is linked to your Stash Banking account and Stash Invest account through Plaid Inc. or Quovo, Inc. shall be referred to hereunder as your “Linked Funding Account”. Stash reserves the right to determine who to send invitations to hereunder and whether to rescind any invitations that are not accepted in accordance with these Program Terms.

Stash and/or Green Dot Bank reserve the right to determine in its and/or their sole or joint discretion whether an account is closed and/or in good standing. An account in good standing for purposes of this Program is an account for which all required account opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way. If either your Stash Banking account or your Stash Invest account is closed or not in good standing for any reason at any time, you will no longer be deemed an Eligible Participant and you will forfeit your eligibility to receive Daily Stock-Back® Rewards. A Stash Invest account is a taxable brokerage account advised by Stash Investments LLC.

Qualifying Purchases

The term “Qualifying Purchases” hereunder shall mean each point-of-sale purchase or online purchase made by an Eligible Participant using their debit and/or credit card associated with their Linked Funding Account that was authorized by such Eligible Participant and a hold was placed on their debit and/or credit card associated with their Linked Funding Account during their respective Offer Period (as defined below). The following transactions, however, made by an Eligible Participant with a debit and/or credit card associated with their Linked Funding Account will not constitute Qualifying Purchases and thus are ineligible for purposes of this Program: (1) transactions conducted at an ATM, cash teller withdrawals, and cash withdrawals at point-of-sale, (2) the purchase of money orders or other cash-equivalents (cash-equivalents include, but are not limited to: third-party gift cards or gift certificates, prepaid open loop cards, coupons, currency, virtual currency, coins, paper money, negotiable items not yet deposited, U.S. treasury bills and commercial paper), (3) transactions conducted through peer-to-peer (“P2P”) payment services and third-party payment accounts (including but not limited to services such as Venmo®, Square, Inc.’s CashApp® and PayPal® and other similar services), and (4) transactions made with your Stash Debit card. In addition, transactions deemed by Stash in its sole discretion as manufactured spend will not constitute a Qualifying Purchase. 

We reserve the right to determine in our sole discretion whether a particular transaction constitutes a Qualifying Purchase hereunder. Eligible Participants will not earn Daily Stock-Back® Rewards hereunder if they do not make any Qualifying Purchases during their respective Offer Period, as further described below. 

Daily Stock-Back® Rewards

Each Eligible Participant that receives an invitation to participate in this Program must accept their invitation in accordance with the interactive instructions displayed through the Stash mobile application in order to enter the Program. Each Eligible Participant that enters the Program will be eligible to receive Daily Stock-Back® Rewards during the next seven (7) calendar days from the date they successfully enter the Program (their “Offer Period”), as described below. 

Accordingly, on each calendar day during an Eligible Participant’s Offer Period, Stash will select the Qualifying Purchase with the highest dollar value made by that Eligible Participant on that given calendar day at a merchant that Stash has made available through the the Stash Stock-Back® Rewards program for purposes of calculating their Daily Stock-Back® Reward. If, however, the Eligible Participant did not make a Qualifying Purchase on that given calendar day at a merchant that Stash has made available through the Stash Stock-Back® Rewards program, then Stash will alternatively select the Qualifying Purchase with the highest dollar value made by that Eligible Participant on that given calendar day for purposes of calculating their Daily Stock-Back® Reward. Stash will select the Qualifying Purchase attributable to each Daily Stock-Back® Reward in its sole discretion. If an Eligible Participant does not make any Qualifying Purchases on a given calendar day during their respective Offer Period, then they will not receive a Daily Stock-Back® Reward for that calendar day. Eligible Participants will only be eligible to receive (a) one (1) Daily Stock-Back® Reward per calendar day during their respective Offer Period, and (b) three (3) Daily Stock-Back® Rewards total during their respective Offer Period. If an Eligible Participant receives three (3) Daily Stock-Back® Rewards prior to the end of their Offer Period, their Offer Period will end immediately and they will be removed from the Program.

A “Daily Stock-Back® Reward” is one (1) base Stock-Back® reward attributable to the Qualifying Purchase that Stash has selected on that given calendar day (as described above), as described in the Stock-Back® Program Terms; provided, however, that each Daily Stock-Back® Reward shall be limited to a maximum cash value of ten cents ($0.10). All Daily Stock-Back® Rewards will be fulfilled and credited in the manner noted in the Stock-Back® Program Terms.

Further, if publicly-traded stock of the merchant (or a subsidiary thereof, if applicable) attributable to the Qualifying Purchase that Stash has selected to calculate your Daily Stock-Back® Reward is not available through the Stash Stock-Back® Rewards program or otherwise capable of being fulfilled for any reason, or if the Qualifying Purchase is made at a merchant that issues publicly-traded units in a master limited partnership, your Daily Stock-Back® Reward arising from that Qualifying Purchase will be in shares of a predetermined exchange-traded fund available on the Stash platform (the “Default ETF”). Stash will determine the Default ETF in its sole discretion and may change the Default ETF from time-to-time without notice to you.

For example, if you are an Eligible Participant and you accept an invitation to participate in the Program on September 1, 2020, then your “Offer Period” will be from September 1, 2020 through September 8, 2020 and you will be eligible to earn up to three (3) Daily Stock-Back® Rewards during that time period. If you then make one or more Qualifying Purchases on September 1, 2020, then, if applicable, Stash will select your Qualifying Purchase with the highest dollar value made at a merchant that Stash has made available through the Stash Stock-Back® Rewards program. If you did not, however, make a Qualifying Purchase at a merchant that Stash has made available through the Stash Stock-Back® Rewards program on September 1, 2020, then Stash will alternatively select your Qualifying Purchase with the highest dollar value made on September 1, 2020. You will then receive one (1) Daily Stock-Back® Reward attributable to the Qualifying Purchase selected from September 1, 2020. This cycle will then repeat on each calendar day during your respective Offer Period until the earlier of: (1) the end of your Offer Period, or (2) the calendar day during your Offer Period that you receive your third Daily Stock-Back® Reward. 

Each Daily Stock-Back® Reward will be limited to a maximum cash value of $0.10, and shall be fulfilled by Stash in its sole discretion. Daily Stock-Back® Rewards will be fulfilled within five (5) business days following the end of your Offer Period. 

Other Program Information

Stash Investments LLC is an SEC registered investment adviser. You may view our Wrap Fee Brochure and our Advisory Agreement at https://www.stash.com/disclosurelibrary. You remain responsible for ancillary fees that are not included in the monthly Wrap Fee. A list of such ancillary fees is included in our Advisory Agreement.  

Stash may implement multiple, varying versions of its Stock-Back® Rewards program and/or promotions related to its Stock-Back® Rewards program as of or after the Effective Date (each, an “Additional Stock-Back® Rewards Program”). Any rewards prescribed under each Additional Stock-Back® Rewards Program are independent from this Program. The Additional Stock-Back® Rewards Programs offered to you may be different than the Additional Stock-Back® Rewards Programs offered to another client. Separate terms and conditions will govern any such Additional Stock-Back® Rewards Program. 

Investing Involves Risk. Information shown is strictly for illustrative and educational purposes only and should not be considered a solicitation to buy, an offer to sell, or a recommendation for any security in any jurisdiction where such an offer, solicitation or recommendation would be unlawful or unauthorized. Any preliminary information provided to prospective clients prior to Stash accepting a signed advisory agreement does not constitute investment advice and should not be relied on as such. Investment products and services are offered by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed and May Lose Value.

A Stash Banking account is subject to approval by Green Dot Bank, Member FDIC. You must pass Green Dot Bank’s customer identification procedures and otherwise be approved by Green Dot Bank for a Stash Banking account, and you must agree to electronic delivery of disclosures, Green Dot Bank’s deposit account agreement, and any other account documentation required for opening in order to open a Stash Banking account. There is no guarantee that you will be approved to open a Stash Banking account.

As described in Stash’s Privacy Policy, Stash uses Plaid Inc. (“Plaid”) and Quovo, Inc. (“Quovo”) (which were used to link each Eligible Participant’s external funding source to their Stash Banking account and Stash Invest account) for account linking services and to gather your data from your other financial institutions. This data may include historical transaction information from your external funding source. By accepting your invitation to participate in this Program, you agree to give permission for Stash to use the historical transaction information from your external funding source provided by Plaid or Quovo to choose your Daily Stock-Back® Rewards.

When determining whether a transaction is deemed a “Qualifying Purchase” and/or when calculating each Daily Stock-Back® Reward hereunder, you acknowledge and agree that Stash relies on information it receives from Plaid and Quovo. Stash hereby makes no representation or warranty that the information it receives from Plaid and Quovo is accurate or timely. If Stash receives transaction data from Plaid and Quovo that is delayed, incorrect, incomplete or mismatched, Stash will use reasonable efforts to determine whether such transaction constitutes a “Qualifying Purchase” and/or is eligible for a Daily Stock-Back® Reward hereunder. You hereby acknowledge and agree that neither Stash nor any of its affiliates shall be liable for any delayed, incorrect, incomplete or mismatched information that Stash receives from Plaid or Quovo in connection with this Program. If you believe that a reward has not been properly credited to you in accordance with these Program Terms, you agree to notify Stash promptly.

All references to the “Stash Debit card” or “debit card” hereunder refers to a permanent Stash Debit card issued by Green Dot Bank, Member FDIC. Debit Account Services are provided by Green Dot Bank and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation. © 2020 Green Dot Bank. All rights reserved. 

This Program is sponsored by Stash Cash Management LLC, a wholly-owned subsidiary of Stash Financial, Inc. and an affiliate of Stash Investments LLC. The Program is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any rewards earned by this Program. 


Stash reserves the right to amend or cancel this Program or these Program Terms at any time. You can only participate in this Program if you received an invitation to participate in this Program directly from Stash. Stash is not responsible for any failure on your part to meet the standards for qualifying for this Program. Stash may withhold or recover any Daily Stock-Back® Rewards if Stash determines that such rewards were obtained under wrongful or fraudulent circumstances, or were awarded to you in error, or that you received an invitation to participate in this Program in error, or that inaccurate or incomplete information was provided when opening your account(s), or that any terms of our Advisory Agreement, Terms of Use, or these Program Terms have been violated. Promotion available to U.S residents only. The value of any cash or stock rewards received by you may be taxable income to you. You are responsible for any federal or state taxes resulting from receipt of any rewards and should consult your tax advisor if you have questions about the tax treatment of any rewards.