GSDB Rewards Program

Terms and Conditions

To participate in the GSDB Rewards Program, you must:

• Be located in Michigan, Indiana, or GSDB's service area in northern Ohio
• Be 18 years of age or older
• Be legally eligible to work in the United States

Current GSDB employees may participate and earn the team-member rate described in Section 3(b).

GSDB reserves the right to deny or revoke Program membership at any time and for any reason, including but not limited to non-compliance with these Terms.

• Referrals must be submitted through the Green Shield Rewards app or another GSDB-authorized channel.
• GSDB will determine, at its sole discretion, the origin of a referral and whether it qualifies.
• All referrals must be tracked through the Green Shield Rewards app under the referring Member's account.

(a) Referral Network (3-Level Commission)

• Member: An individual enrolled in the GSDB Rewards Program who refers leads and/or recruits other Members.
• Referral / Lead: A prospective customer submitted by a Member who books a qualifying appointment with GSDB.
• Recruit: A new Member who joins the Program after being invited by an existing Member.
• Qualifying Sale: A sale of GSDB deck-building services to a referred customer. There is no minimum job size.

Commission under this Program is a flat dollar amount for each Qualifying Sale, not a percentage of the job value. The amount depends on the Member's position relative to the sale:

• Level 1 (Direct): The Member who directly referred the customer earns $500 per Qualifying Sale.=
• Level 2: The Member who recruited the Level 1 Member earns $250 per Qualifying Sale made to a customer referred by that Level 1 Member.
• Level 3: The Member who recruited the Level 2 Member earns $250 per Qualifying Sale in that same referral chain.

Commission is hard-capped at 3 levels. No commission is paid to any Member positioned 4 or more levels above the referring Member, regardless of how long the referral chain grows.

(b) GSDB Team Member Rate

• Current GSDB employees earn $1,000, instead of $500, on each Qualifying Sale they directly refer (Level 1). Team members continue to earn $250 at Level 2 and $250 at Level 3 on Qualifying Sales in their referral chain.
• GSDB determines team-member status. The team-member rate applies to Level 1 only.

• Members may refer and recruit an unlimited number of individuals.
• Each Qualifying Sale may generate commission, provided all Program terms are met.

100% of earned commission is paid by check only, issued on the first Friday on or after the 15th of the month following the month in which the Qualifying Sale is marked measure-complete (e.g., a sale marked measure-complete between October 1–31 is paid on the first Friday on or after November 15).

All Members, including GSDB team members, are paid by check.

Members must have a fully verified Green Shield Rewards account, including a completed W-9 where required, to receive payment.

GSDB will generate and track IRS Form 1099 for any Member paid more than $2,000 in a calendar year, where required by law.

GSDB will invalidate any referral suspected of fraud, including but not limited to:

• Fake, duplicate, or self-referred accounts
• Submitting the same individual as a referral under more than one Member or referral slot
• Unsolicited mass referrals
• Any other manipulation of the referral or recruiting process

There is no cap on the number of referrals, recruits, or total commission a Member may earn, provided the Member complies with all Program terms and the 3-level commission structure described in Section 3.

Commission and other Program payouts may be considered taxable income and must be reported to the IRS. Members are solely responsible for any tax liabilities arising from their participation in the Program.

Referrals remain valid for 24 months, tied to the referring Member rather than a home address.

By participating, you consent to GSDB collecting, storing, and using your personal information — including your name, contact information, and referral/commission activity — to operate the Program.

Your information will be used solely to administer the GSDB Rewards Program and will not be sold or shared with unrelated third-party businesses. GSDB may share your information with service providers who help operate the Program (e.g., the Green Shield Rewards platform provider, payment processors) under confidentiality obligations, or as required by law.

GSDB reserves the right to modify these Terms and the commission structure at any time. Changes will be communicated through the Green Shield Rewards app or other Program communications, and continued participation constitutes acceptance.

GSDB may suspend or terminate a Member’s account for:

• Violating these Terms
• Fraudulent or abusive behavior
• Any conduct deemed harmful to the Program

Qualifying Sales referred before termination may still be eligible for commission at GSDB's discretion.

GSDB's total liability under this Program is limited to the commission amount earned by the Member. GSDB is not responsible for indirect, incidental, or consequential damages.

You agree to indemnify and hold harmless GSDB, its affiliates, and their officers and employees from any claims or damages arising from your participation in the Program.

These Terms are governed by the laws of the State of Michigan.

Any dispute shall first be addressed through mediation in Kent County, Michigan. Unresolved disputes will be settled under Michigan law.

If any part of these Terms is found unenforceable, the remaining sections will remain valid and enforceable.

These Terms constitute the entire agreement between you and GSDB concerning the GSDB Rewards Program.