Refer-A-Friend Checking Account Offer: The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual referred to DFCU Financial who completes an offer’s requirements. To make a referral, the Referrer must submit a valid email address for both the Referrer and each Referred person. A Member may receive up to ten (10) Mastercard® Reward Cards ($500 value) within a calendar year. To earn a $50 Mastercard® Reward Card, the Referred person must open a new DFCU Financial Checking account and complete the following requirements within 90 days after account opening: Make two (2) direct deposits of $100 or more, AND Make five (5) debit card transactions (PIN or Signature) The referred party must not have had a DFCU Financial Checking account in the last 60 days or have received a $50 Mastercard® Reward Card for previously completing the necessary requirements. Account must be open at the same time the reward is paid. Customer must be 18 years or older to qualify. Offer is subject to change (at DFCU Financial’s discretion) at any time without notice.

Refer-A-Friend Auto Loan Offer: The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual referred to DFCU Financial who completes an offer’s requirements. To make a referral, the Referrer must submit a valid email address for both the Referrer and each Referred person. A Member may receive up to ten (10) Mastercard® Reward Cards ($500 value) within a calendar year To earn a $100 Mastercard® Reward Card, the Referred person must open a new DFCU Financial auto loan with a minimum loan balance of $15,000 within 6 months of completing their referral registration All deposit and loan accounts must meet applicable membership, identity verification and credit criteria before being opened. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. DFCU Financial reserves the right to amend, suspend or terminate the referral program at any time without notice. Offer pertains to only U.S. residents. Offer not valid on existing DFCU Financial auto loan refinances Please allow up to 4-6 weeks, after completing all requirements of this offer, for delivery of your Reward Card. Each Reward Card amount may be reported to the IRS, state, and local tax authorities if required by applicable law. Recipient is responsible for any federal, state, and/or local taxes on reward items. Mastercard® is a registered trademark of Mastercard, Inc. Mastercard® is not a participant or sponsor of this promotion.