US - GH Weekend Reward Points Campaign

US - GH Weekend Reward Points Campaign

Terms and Conditions

Effective Date: July 18th, 2026

1. Introduction

These Terms and Conditions (“Terms”) govern your participation in the LemFi First Transfer Reward Campaign (“Campaign”) and the earning, receiving, conversion, or redemption of LemFi Reward Points (“LemFi Points”) awarded under this Campaign.

LemFi Points are offered through Pomelo Technology US Inc., a Delaware corporation, and Pomelo Two LLC, a Delaware limited liability company (collectively, “LemFi”, “we”, “our” or “us”). LemFi Points are not affiliated with, issued by, sponsored, endorsed, administered, or serviced by Community Federal Savings Bank.

These Terms apply to all LemFi customers (“LemFi Customer(s)”, “user(s)”, “you”, “your”) participating in the Campaign and who earn, use, redeem, or convert LemFi Points. These Terms are supplemental to, and must be read together with, the current applicable LemFi Customer Terms (“Customer Terms”).

2. Campaign Period

The Campaign begins on July 18th, 2026, and ends on July 19th 2026, at 11:59 PM EST (“Campaign Period”).

3. Eligibility

The Campaign is open only to individuals who:

• Are eighteen (18) years of age or older;
• Reside in one of the fifty (50) states of the United States or Washington D.C.;
• Received marketing communication directly from LemFi regarding this Campaign, or otherwise were notified by LemFi of eligibility for this Campaign; and
• Successfully completed a qualifying international money transfer of at least $200 USD to Ghana during the Campaign Period.

LemFi reserves the right to verify eligibility at any time.

4. How to Participate

Eligible Users who complete a successful single international money transfer of at least $200 USD to Ghana during the Campaign Period will receive $10 in LemFi Points.

• The qualifying international money transfer must be successfully completed and must not be canceled, reversed, refunded, or charged back.
• Transactions below $200 USD are not eligible for the reward.
• Only the first successful qualifying international money transfer is eligible under this Campaign.
• LemFi Points will be credited to the eligible New User’s LemFi account within five (5) business days after the qualifying international money transfer is completed.
• Limit of one (1) reward per eligible New User.
• Incentives are restricted to a total capacity of 300 qualifying participants during the Campaign Period, with distribution occurring on a sequential basis until the allotment is depleted.
• This Campaign shall conclude immediately upon the fulfillment of rewards for the 300-user threshold, notwithstanding any remaining time in the Campaign Period.

5. Disqualification Criteria

Participants may be disqualified for the following reasons:

• If a LemFi user cancels, reverses, refunds, or disputes their qualifying transaction;
• If a LemFi user violates these Terms or the Customer Terms; or
• If LemFi reasonably determines that a participant engaged in fraudulent, abusive, suspicious, or improper activity, including but not limited to:
• Creating fraudulent accounts; or
• Manipulating transactions or Campaign mechanics to improperly obtain rewards.

6. LemFi Points

What are LemFi Points?

LemFi Points are promotional reward points that you may earn, convert, or redeem toward future qualifying international money transfers made through LemFi , subject to these Terms and any applicable promotional campaign terms.

7.How LemFi Points Are Earned?

LemFi Points may be earned when a new user performs one or more of the following qualifying activities (“Qualifying Activities”), where expressly offered by LemFi:

• When a first-time transaction of at least $200 is made by a new user who applies a valid Referral Code during sign-up or at the time of their first transfer.

• When a new user performs certain actions specified by LemFi (“Action Based Incentives”), including but not limited to:

• LemFi Account Activation: New user successfully completes the required Know Your Customer (“KYC”) verification and fully activates their LemFi account;

• Participation in LemFi’s Limited Time Promotional Campaign: promotional campaign may differ and provided the campaign offers LemFi Points as a reward, new users participation in such campaigns may result in earning the LemFi Points;

• User Incentives: LemFi Points may be offered to new users,who successfully perform one or more of the qualifying activities within a specified period;

• Participation in Volume Boost Campaigns: New users may be awarded LemFi Points upon completion of international money transfer(s) meeting minimum thresholds during a defined campaign period (“Campaign Period”), and

• Participation in specific Promotional Campaigns: New users may earn 10% of the qualifying transaction amount, capped at a maximum of 50 LemFi Points for transfers above $500, where expressly stated.

8. What are not LemFi Points:

LemFi Points are promotional rewards only and are not property, cash, have no cash value unless expressly specified by LemFi; are not accepted by third parties; and do not constitute a financial product.

9. Eligibility Conditions to Earn LemFi Points:

You may earn the LemFi Points only if:

• You are a new LemFi user;
• You complete one or more Qualifying Activities or participate in Action-Based Incentives;
• You are not subject to any restrictions imposed by LemFi;
• You comply with the Customer Terms; and
• You comply with applicable LemFi promotional campaign terms (“Promotional Campaign Terms”).

10. Additional Restrictions

Lemfi Points will not be awarded, earned or used for:

• Domestic transfers or transfers to restricted or unapproved countries;
• Refunds, reversals, or failed transactions;
• Fraudulent, abusive, or non-genuine activity;
• Any other restrictions applied by LemFi at its sole discretion; or
• Transfers, sales, or assignments of LemFi Points to another user.

11. Redeeming Lemfi Points

LemFi Points may be redeemed only toward future international money transfers of more than $1 to the LemFi approved countries, provided you have sufficient LemFi Points. LemFi Points do not expire, unless otherwise expressly stated in a specific campaign. Where expiration or conditions apply, they will be clearly disclosed in the applicable Promotional Campaign Terms. Failure to meet campaign requirements will result in points not being awarded.

12. Suspension, Termination, and Corrections

• LemFi may suspend or terminate your participation if you breach these Terms or the Customer Terms;
• LemFi may withdraw or cancel LemFi Points at its sole discretion, without prior notice, if fraud or abuse is suspected;
• LemFi reserves the right to correct errors or reverse invalid LemFi Points at its sole discretion; and
• Where LemFi Points have been redeemed but were granted in error, LemFi may withhold future LemFi Points of equivalent value or quantity.

13. Disputes Resolution & Arbitration

Any dispute arising out of or relating to these Terms shall first be attempted to be resolved through good-faith mediation, either informally or through the American Arbitration Association (“AAA”) under its Commercial Mediation Procedures. If mediation is unsuccessful, disputes shall be resolved by binding arbitration administered by the AAA in accordance with its Commercial Arbitration Rules. Judgement on the arbitrator’s award may be entered in any court of competent jurisdiction.

14. Taxation

Participants are solely responsible for any applicable federal, state or local taxes arising from r participation in this Campaign or receipt of any Reward..

15. Privacy

Your personal information may be shared with Pomelo Technology US Inc., and Pomelo Two US LLC group entities as permitted by law. Please visit and review our Privacy Notice for further information.

16. Complaints

If you have any questions or complaints, please contact:
customersupport@lemfi.com or complaints@lemfi.com

17. General Exclusions & Liability

LemFi is not responsible for delays or failures caused by events beyond its reasonable control.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER LEMFI NOR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, SUBCONTRACTORS, AGENTS, SUCCESSORS, AND ASSIGNS SHALL BE LIABLE TO ANY LEMFI CUSTOMER OR ITS REPRESENTATIVES UNDER THESE TERMS(WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, IN LAW OR EQUITY, OR OTHERWISE) FOR LOST PROFITS OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES OF ANY KIND, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

These Terms may be updated at any time without prior notice. The most current version will be available on LemFi’s website.