1. Compliant Official Rules Nuvia Life “Holiday Referral Thank-You Campaign” — Official Rules Sponsor: Nuvia Life (Florida License #W231359) info@getnuvialife.com 1. Eligibility Open to Florida residents 18+. Employees, and contractors, of Nuvia Life are not eligible. Void where prohibited. 2. How to Enter (No Purchase Necessary) Participants may enter by submitting referrals between November 15 – December 20, 2025 through: Referral form: www.getnuvialife.com/refer Email: info@getnuvialife.com Entries must include: Referrer’s full name Referrer’s email or phone Referral’s first/last name Referral’s phone or email Confirmation the referrer has permission to share their information Referrals must be viable — contactable and willing to schedule a meeting or insurance review. 3. Reward Eligibility Participants who refer two (2) or more viable leads who successfully complete a consultation, review, or meeting with Nuvia Life will receive a $25 digital gift card. The first 15 qualified participants to reach this benchmark will receive the gift card. A completed meeting means: The referral shows up for a scheduled call, video meeting, or review The referral engages in a legitimate conversation about needs or goals No purchase is required 4. Grand Prize Drawing Each viable referral who completes a meeting generates one (1) entry into the $200 Holiday Gift Card Drawing. Drawing will occur December 22, 2025. Winner chosen at random via neutral method (e.g., random number generator). Odds depend on total entries. Winner notified within five (5) days. 5. Additional Condition (Facebook Follow) To receive the $25 gift card reward or to be eligible for the grand prize, the participant must “Like” and “Follow” the official Nuvia Life Facebook page (@GetNuviaLife) by December 20, 2025. 6. Compliance Notice This promotion complies with FL Statute §626.9541(1)(h) (anti-rebating). Gift cards are nominal promotional items and not contingent on purchasing insurance. Rewards are based solely on referrals and completed meetings, not sales or premiums. 7. Privacy Information collected is used only to track referrals and administer rewards. No information is sold or shared. 8. Taxes If any participant receives $600+ in rewards during a calendar year, Nuvia Life may require a W-9 for 1099 reporting. 9. Sponsor Nuvia Life Florida License #W231359