People’s United Bank – Refer-A-Friend: The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each individual referred (Referred Person) to People’s United Bank who registers for the offer using the Referrer’s shared personal referral link, opens a new account and completes the offer requirements. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year. Only one Referrer may receive a Reward Card for each Referred Person who fulfills the requirements (the first Referrer that enters information for a Referred Person will be the eligible Referrer). Refer-A-Friend Personal Checking Account Offer: The Referred Person also is eligible for a reward. To earn a $50 Visa Reward Card, the Referred Person must register for the offer using the referral link shared by the Referrer, open a new People’s United Bank personal checking account with a $25 minimum opening deposit and complete the offer requirements below within 60 days of account opening. Complete one (1) direct deposit of at least $100 or more into the new personal checking account, OR Make at least ten (10) debit card purchases of at least $25 each that post to the new personal checking account The Referred Person may only receive one Visa Reward Card for opening an account and completing the requirements but may also be eligible as a Referrer. Direct Deposit transactions are limited to payroll, Social Security, pension and government benefits. PayPal® and Square, Inc. payments are excluded. Health Savings Accounts (HSA) are not eligible for this offer. The Referred Person, and any Referred Person account owner on the new personal checking account, cannot have had a People’s United Bank personal checking account in the past 180 days. Refer-A-Friend Business Checking Account Offer: To earn a $150 Visa Reward Card, the Referred Person must register for the offer using the referral link shared by the Referrer, open a new People’s United Bank business checking account and complete the offer requirements within 90 days of account opening. Complete at least five (5) deposits of at least $500 or more into the new business checking account, OR Make at least five (5) business debit card transactions or payments (ACH, check, wire) of at least $25 each that post to the new business checking account The Referred Person, and any Referred Person account owner on the new business checking account, cannot have had a People’s United Bank business checking account in the past 180 days. The Referred Person may only receive one Visa Reward Card for opening an account and completing the requirements but may also be eligible as a Referrer. The account of the Referred Person must be open and in good standing at the time the reward is paid. An account is considered to be in good standing if it has a positive balance and is not in the process of being closed. This offer may not be combined with other offers and may be withdrawn at any time without notice. People’s United will review the email address provided for the Referred Person to ensure the Referred Person has not opted out of receiving marketing information from People’s United. Email addresses for Referred Persons who have opted out will not be recovered or marketed to and will not be sent any offers under this program. Returned/invalid email addresses and non-deliverable addresses are not the responsibility of People’s United Bank or its vendors. People’s United account opening policies will be applied to any new account opening. Each person who registers for the program at ReferLive authorizes future communications including emails regarding the program unless they opt out by making an election at ReferLive or within such email. Please allow 4-6 weeks after completing all requirements of this offer for delivery of your Visa Reward Card to the physical address provided. People’s United Bank employees and their immediate family members and members of their household are not eligible for a VISA gift card reward for either the referring of new customers or for opening a new account. Each Visa Reward Card will 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. Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion. The Visa Reward Card is subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used.