DFCU Refer-A-Friend Checking Account Offer: The person making the referral (Referrer) will earn a $175 Mastercard® Reward Card for each individual referred to DFCU Financial who completes the Checking Account offer 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 $2,750 in Mastercard Reward Cards within a calendar year. To earn a $175 Mastercard® Reward Card, the Referred person 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 Mastercard Reward Card for previously completing the necessary requirements. Account must be open at the same time the reward is paid. Member must be 18 years or older to qualify. Offer is subject to change (at DFCU Financial’s discretion) at any time without notice.

DFCU Refer-A-Friend Auto Loan Offer: The person making the referral (Referrer) will earn a $175 Mastercard® Reward Card for each individual referred to DFCU Financial who completes the Auto Loan offer 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 $2,750 in Mastercard® Reward Cards within a calendar year. To earn a $175 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.

DFCU Refer-A-Friend Mortgage Offer: The person making the referral (Referrer) will earn a $275 Mastercard® Reward Card for each individual referred to DFCU Financial who completes the Mortgage offer 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 $2,750 in Mastercard® Reward Cards within a calendar year. To earn a $175 Mastercard Reward Card, the Referred person must close on a DFCU Financial mortgage within 6 months of completing their referral registration. DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. DFCU Financial is an equal opportunity lender. All home lending products are subject to credit and property approval. Rates and program terms and conditions are subject to change without notice. ARM rates and payments may increase or decrease after consummation due to market-driven changes to the index. ARM rate and payment adjustments are based on the SOFR 30 day average as reported by the New York Fed. plus 3.00% margin. For the 5/6 ARM, the interest rate can increase or decrease up to 2% the first adjustment period and 1% per adjustment period after that, with a lifetime cap of 5%. For the 7/6 and 10/6 ARMs, the interest rate can increase or decrease up to 5% the first adjustment period and 1% per adjustment period after that, with a lifetime cap of 5%. 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.