“Complete Your Account and Get $10” Promotion — Official Terms and Conditions

These official terms and conditions (the “Terms”) govern the “Complete Your Account and Get $10” promotion (the “Promotion”), sponsored and offered by Comun, Inc. (“Común”). Participation in the Promotion constitutes the participant’s full and unconditional agreement to these Terms.

Note: This offer is provided by Común, not by Community Federal Savings Bank (“CFSB”), and CFSB is not a party to this offer.

Legal Notice

Común is a financial technology company and is not a bank. Banking services are provided by Community Federal Savings Bank; Member FDIC. The Común Visa debit card is issued by CFSB, pursuant to a license from Visa U.S.A. Inc., and may be used anywhere Visa debit cards are accepted. Funds in your account are FDIC-insured up to $250,000 per ownership category through Community Federal Savings Bank, Member FDIC, in the event of CFSB’s failure.

Remittance services are provided by Service UniTeller, Inc. (“UniTeller”). UniTeller is licensed to provide remittance services in all states where such license is required. Remittance fees start at $2.99 but may vary. Please check the Común app for more details.

1. Definitions

“Común DDA” means the demand deposit account provided by CFSB through Común.

“Participant” means an eligible individual who: (1) was selected by Común to participate in the Promotion, (2) who started their registration with Común, (3) did not have an approved Común DDA at the time of selection for this Promotion, and (4) meets the eligibility requirements set forth in these Terms.

“Bonus” means a cash reward of ten U.S. dollars ($10 USD) that Común will credit to the Común DDA of an eligible Participant who satisfies all Promotion requirements.

“Promotional Fee” means the remittance transaction fee reduced to $0.00 USD for the first eligible Remittance Transaction completed by a Participant during the Promotional Period, instead of the standard remittance fee.

“Promotional Exchange Rate” means the promotional exchange rate that Común may offer to an eligible Participant for their first Remittance Transaction during the Promotional Period. Exchange rates are determined at the time of transfer and may vary.

“Remittance Transaction” means an international money transfer initiated by a Participant through the Común app to an eligible receiving country.

Undefined terms have their ordinary meaning.

2. Promotional Period

The Promotion begins on June 25, 2026 at 12:00 a.m. CT and ends on June 30, 2026 at 11:59 p.m. CT (the “Promotional Period”).

To qualify for the Bonus and the promotional benefits described in these Terms, the Participant must complete all required actions during the Promotional Period. Común’s computer systems will be the official timekeeping device.

3. Eligibility

The Promotion is open only to users who meet all of the following requirements:

1. Are residents of the United States.
2. Are eighteen (18) years of age or older.
3. Started their registration with Común before or during the Promotional Period.
4. Were selected by Común to participate in this Promotion.
5. Received a direct communication from Común about this Promotion by email, SMS, push notification, or any other method Común may determine in its discretion.
6. Did not have an approved Común DDA at the time of selection for this Promotion.
7. Successfully complete approval for their Común DDA during the Promotional Period.
8. Successfully complete their first eligible Remittance Transaction from their Común DDA during the Promotional Period.
9. Have a valid, active Común DDA in good standing at the time the Bonus is credited.

This offer is personal, non-transferable, and available only to eligible users selected by Común. The Promotion is void where prohibited by law. Común reserves the sole discretion to determine whether any individual qualifies as an eligible Participant, and Común’s determination will be final and binding.

Común employees, contractors, and their immediate family members are not eligible to participate in this Promotion.

4. Promotion Details

During the Promotional Period, eligible Participants who successfully complete their Común DDA and complete their first eligible Remittance Transaction may receive the following benefits:

1. A $10 USD Bonus credited to their Común DDA.
2. A $0.00 USD Promotional Fee on their first eligible Remittance Transaction.
3. Access to a Promotional Exchange Rate on their first eligible Remittance Transaction, when available in the Común app.

To receive the Bonus, the Participant must satisfy all of the following conditions:

1. Successfully complete approval for their Común DDA.
2. Complete their first international Remittance Transaction from their Común DDA before the end of the Promotional Period.
3. Send a Remittance Transaction with a minimum amount of $10 USD.
4. Maintain their Común DDA active and in good standing at the time the Bonus is credited.

Only successful and fully processed Remittance Transactions qualify. Cancelled, failed, refunded, disputed, or reversed transactions are not eligible. Peer-to-peer transfers within the United States, self-transfers, or other non-remittance transactions, as determined by Común in its sole discretion, do not qualify.

5. Promotional Fee and Promotional Exchange Rate

The $0.00 USD Promotional Fee applies only to the Participant’s first eligible Remittance Transaction completed during the Promotional Period. Any transactions that are initiated or completed after the Promotional Period are not eligible for this Promotion.

No promotional code or manual redemption is required to receive the Promotional Fee, provided that the Participant is eligible and the Remittance Transaction qualifies.

Exchange rates are determined at the time of transfer and may vary. The Promotional Exchange Rate, when available, will be displayed in the Común app before the Participant confirms the Remittance Transaction. The $0.00 USD Promotional Fee does not guarantee any specific exchange rate and does not affect any additional fees or charges that may apply for certain transfer methods, delivery options, or receiving countries.

Please check the Común app for complete details about applicable fees, exchange rates, supported countries, and delivery options.

6. Fulfillment and Bonus Payment

The Bonus will be credited to the Participant’s Común DDA within five (5) business days after verification of the first eligible Remittance Transaction, provided that such remittance has not been cancelled, failed, refunded, disputed, or reversed.

Each Participant may receive a maximum of one (1) Bonus during the Promotional Period, for a total maximum of $10 USD in rewards.

If the Remittance Transaction that triggered the Bonus is reversed, disputed, refunded, or cancelled within thirty (30) days after the Bonus is paid, Común reserves the right to claw back the corresponding Bonus amount from the Participant’s Común DDA.

7. Eligible Countries

The Promotion applies to Remittance Transactions sent to countries supported by Común’s remittance service at the time of transfer. For an updated list of supported countries, delivery options, and applicable fees, please check the Común app.

8. Exclusions

The Promotion does not apply to:

1. Users who were not selected by Común to participate in this Promotion.
2. Users who did not receive a direct communication from Común about this Promotion.
3. Users who already had an approved Común DDA before being selected for this Promotion.
4. Users whose Común DDA application is denied, cancelled, closed, or not approved.
5. Transactions initiated outside the Promotional Period.
6. Cancelled, failed, refunded, disputed, or reversed transactions.
7. Peer-to-peer transfers within the United States.
8. Self-transfers.
9. Transfers to countries not supported by Común’s remittance service.
10. Accounts that are suspended, restricted, closed, or not in good standing.
11. Transactions that violate or, in Común’s sole judgment, are reasonably likely to violate applicable laws, regulations, or Común’s internal policies.
12. Users involved in suspected or actual fraud, promotional abuse, technical manipulation, or any activity inconsistent with genuine product use.

9. Verification, Fraud, and Limitations

Común reserves the right to verify the Participant’s eligibility, approval of the Común DDA, validity of the Remittance Transaction, and compliance with these Terms before crediting the Bonus.

Común may deny, withhold, revoke, or claw back the Bonus, and may disqualify the Participant from this or future promotions, in cases of suspected or actual fraud, abuse, technical manipulation, misuse of the Promotion, breach of these Terms, or violation of applicable laws.

Fraudulent or abusive activities include, but are not limited to:

1. Creating multiple accounts to obtain promotional benefits.
2. Using false, duplicate, or unauthorized information.
3. Sharing a device, payment method, government-issued ID, or other relevant information across multiple accounts.
4. Completing remittances followed by the immediate withdrawal of the same funds within 24 hours.
5. Cancelling, disputing, reversing, or requesting a refund of the Remittance Transaction used to qualify.
6. Any pattern that Común determines, in its sole discretion, to be inconsistent with genuine product use.

The Participant must remain in good standing with Común throughout the Promotional Period and at the time the Bonus is credited to their Común DDA.

10. No Guarantee of Approval

Participation in this Promotion does not guarantee approval for a Común DDA. Approval for a Común DDA is subject to applicable identity verification, compliance, eligibility, risk review, internal policy, and legal requirements.

Users whose Común DDA application is denied, cancelled, closed, or not approved will not be eligible to receive the Bonus or any benefits under this Promotion.

11. Modification and Termination

Común reserves the right to modify, suspend, or terminate this Promotion at any time without prior notice, including in the event of technical failure, fraud, abuse, operational error, regulatory changes, or other circumstances beyond its control.

Común reserves the right to disqualify any Participant suspected of fraud, abuse, technical manipulation, or violation of these Terms.

12. Limitation of Liability

By participating, the Participant agrees that Común, CFSB, UniTeller, and all of their respective affiliates, directors, officers, employees, contractors, and agents are not responsible for:

1. Technical failures of any kind.
2. Lost, delayed, incorrect, or undelivered communications.
3. Failed, delayed, cancelled, refunded, reversed, or misdirected transactions.
4. Unauthorized account access or fraud.
5. System errors, human errors, or operational issues.
6. Any injury, loss, claim, or damage arising from participation in the Promotion or use of the Bonus.

13. General Conditions

Participation in this Promotion constitutes acceptance of these Terms and all decisions made by Común, which are final and binding.

The value of this Promotion may constitute taxable income. Participants are responsible for any applicable taxes.

This Promotion is non-transferable, may not be sold, exchanged, or redeemed for any other benefit, and is not valid with any other offer unless expressly stated otherwise by Común.

Engaging in fraudulent or abusive activities may result in revocation of the benefit, clawback of the Bonus, and denial of future eligibility in promotions, services, or products offered by Común.

Any dispute related to Bonus eligibility, attribution, or payment must be submitted to Común’s customer service team within thirty (30) days after the end of the Promotional Period, meaning no later than July 30, 2026. Común’s determination regarding Bonus eligibility, attribution, and payment will be final.

This Promotion is governed by the laws of the State of New York, without regard to conflict of law principles.

14. Privacy

Personal information collected in connection with this Promotion will be used in accordance with Común’s Privacy Policy, which can be found at:

https://www.comun.app/legal/politica-de-privacidad-de-comun

15. Sponsor

Comun, Inc.
33 W 17th Street
New York, NY 10011

‍