Firelands Federal Credit Union - Refer-A-Friend Offers:

The person making the referral (Referrer) will earn a $50 Visa^® Reward Card for each individual referred (Referred Person) to Firelands Federal Credit Union who registers for the offer, opens a new Firelands Federal Credit Union personal checking account, credit card account, or money market account and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must register for the program and share the offer with their friends, family, or coworkers. A Referrer may receive up to ten (10) Visa Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Visa Reward Card for each Referred Person who fulfills the requirements.

To earn up to $150 in Visa Reward Cards, the Referred Person must register by following the link provided in the referral email or on social media and complete one or more of the offers listed below:

Checking Account:

To earn a $50 Visa Reward Card the Referred Person must open a new Firelands Federal Credit Union checking account and complete the following within 60 days of account opening:

• Sign up for online banking, AND
• Set up a direct deposit, OR complete ten (10) or more debit transactions (excluding ATM transactions)

Credit Card:

To earn a $50 Visa Reward Card the Referred Person must open a new Firelands Federal Credit Union credit card.

Money Market:

To earn a $50 Visa Reward Card the Referred Person must open a new Firelands Federal Credit Union money market account and complete the following within 60 days of account opening:

• Fund the new account with $5,000 or more, AND
• Maintain an average balance of $5,000 or more for 60 days

The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Firelands Federal Credit Union or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Visa Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided.

Firelands Federal Credit Union employees are ineligible to participate in this offer. This offer can be changed at any time without notice.

Please allow 4-6 weeks after completion of all requirements for delivery of the Visa Reward Card. The Visa Reward Cards are subject to Terms and Conditions delivered with the card. Rewards Cards may be reported as income to the IRS.

Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

Federally Insured by NCUA.