Harmony Bank - Refer-A-Friend Account Offers:

The person making the referral (Referrer) will earn a Visa^® Reward Card for each individual referred (Referred Person) to Harmony Bank who registers for the offer, opens a new Harmony Bank 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 $500 in Visa Reward Cards within a calendar year, but only one Referrer may receive a Visa Reward Card for each Referred Person who fulfills the requirements. A Referrer may earn a $50 Visa Reward Card for qualified Personal Checking referrals and a $100 Visa Reward Card for qualified Business Checking referrals.

The person being referred (Referred Person) can earn up to $150 in Visa Reward Cards. 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:

Personal Checking Offer:

To earn a $50 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Harmony Bank personal checking account, and meet the following requirements within 60 days of account opening:

• Enroll in digital banking, AND
• Complete ten (10) or more debit card transactions (excluding ATM transactions)

Business Checking Offer:

To earn a $100 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Harmony Bank business checking account, and meet the following requirements within 60 days of account opening:

• Enroll in digital banking, AND
• Complete ten (10) or more debit card transactions (excluding ATM transactions)

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 Harmony Bank 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.

Harmony Bank 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.

Harmony Bank Member FDIC