Complex sentence: A contestant must solve the puzzle in order to keep any cash, prizes, or extras accumulated during that round except for the Wild Card, which is kept until the contestant either loses it to Bankrupt or uses it.
Split into simpler sentences: A contestant must solve the puzzle in order to keep any cash, prizes, or extras accumulated during that round. If a contestant has picked up the Wild Card, it is kept until the contestant either loses it to Bankrupt or uses it.