InFirst Bank - Refer-A-Friend Offers:

The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each individual referred (Referred Person) to InFirst Bank who registers for the offer, opens a new account and completes the other 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, and the Referrer may receive a Visa Reward Card for each offer completed by the Referred Person. Only one Referrer may receive a Visa Reward Card for each Referred Person who fulfills the requirements.

Personal Checking Account Offer Qualifications:

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 InFirst Bank personal checking account and meet the following requirements within 60 days of account opening:

• Set up a direct deposit, AND
• Complete twelve (12) debit card transactions (excluding ATM transactions)

This offer is not available if the Referred Person already has or had a checking account with InFirst Bank within 90 days of opening the new account.

Personal Secured or Unsecured Fixed Term Loan Offer Qualifications:

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 InFirst Bank Personal Secured or Unsecured Fixed Term Loan with a minimum loan amount of $5,000 new funds borrowed within 6 months of completing the referral registration.

Certificates of Deposit and Savings Secured Loans are not eligible for this offer.

Home Equity Term Loan Offer Qualifications:

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 InFirst Bank Home Equity Term Loan with a minimum loan amount of $15,000 new funds borrowed within 6 months of completing the referral registration.

Mortgage Offer Qualifications:

To earn a $150 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new InFirst Bank mortgage within 6 months of completing the referral registration.

USDA, FHA and VA loans are not eligible for this offer.

The Referrer authorizes the sending of communications to each Referred Person. 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 email may not be recovered if the person has “opted out” of marketing material from InFirst Bank or ReferLive. 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.

InFirst Bank employees are ineligible to participate in this offer.

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. Reward 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.

Equal Housing Lender. Member FDIC.