Torrington Savings Bank - Refer-A-Friend Checking Account Offer:

The person making the referral (Referrer) will earn a $50 Mastercard^® Reward Card for each individual referred (Referred Person) to Torrington Savings Bank who registers for the offer, opens a new Torrington Savings Bank personal checking 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 earn up to $500 in Mastercard Reward Cards within a calendar year. Only one Referrer may receive a Mastercard Reward Card for each Referred Person who fulfills the requirements.

To earn a $50 Mastercard Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Torrington Savings Bank Journey Checking or Advantage 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
• Complete one (1) or more direct deposits totaling $200 or more

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 Torrington Savings 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 Mastercard Reward Card 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.

Please allow 4-6 weeks after completion of all requirements for delivery of the Mastercard Reward Card. The Mastercard Reward Cards are subject to Terms and Conditions delivered with the card. Rewards Cards may be reported as income to the IRS.

Mastercard is a registered trademark of Mastercard, Inc. Mastercard is not a participant or sponsor of this promotion.

Member FDIC.