LOC Credit Union - Account Offers:

The person making the referral (Referrer) will earn a Visa^® Virtual Reward for each individual referred (Referred Person) to LOC Credit Union who registers for the offer and completes an available offer within the specified time frame. To make a referral, the Referrer must register for the program and share the offer with their friends, family, or coworkers. A Referrer may earn up to $500 in Visa Virtual Rewards within a calendar year. Only one Referrer may receive a Visa Virtual Reward for each Referred Person who fulfills the requirements. A Referrer may earn a $50 Visa Virtual Reward for qualified Personal Checking Account referrals and a $100 Visa Virtual Reward for qualified Auto Loan referrals.

LOC Credit Union - Refer-A-Friend Personal Checking Account Offer:

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

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

LOC Credit Union - Refer-A-Friend Auto Loan Account Offer:

To earn a $100 Visa Virtual Reward, the Referred Person must register by following the link provided in the referral email or on social media and open a new LOC Credit Union auto loan with a minimum balance of $15,000 within 6 months of completing their referral registration.

To be eligible to participate, the Referred Person must open a new personal checking account or auto loan within 75 days of joining LOC Credit Union. 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 LOC 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 Virtual Reward will be issued to the Referrer after all conditions have been met in the time frames provided. This offer can be changed at any time without notice.

LOC Credit Union employees are ineligible to participate in this offer.

Please allow 2-3 weeks after completion of all requirements for delivery of the Visa Virtual Reward. The Visa Virtual Rewards are subject to Terms and Conditions delivered with the reward. Virtual Rewards 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.