Publix Employees Federal Credit Union ("we," "PEFCU," or the "Company") is offering you the opportunity to refer friends via a Referral Program ("Program") offered on the web site located at https://refer.pefcu.com/ (the "Site").

1. Binding Agreement. By using the Site or participating in the Program, you are bound by these Terms and Conditions ("Terms") and indicate your agreement to them. All of PEFCU's decisions are final and binding.

2. Privacy. The personal information collected, processed and used as part of the Program will be used in accordance with PEFCU's Privacy Statement, which is available by link on the Site.

3. Eligibility. Members must be in good standing. Referring members will receive a $50 Publix digital gift card for each eligible referral. Referred individuals must open a new checking account after June 1, 2026, and within four (4) weeks of the referral date. The checking account must remain open, complete at least ten (10) qualifying transactions, and receive a direct deposit within thirty (30) days of account opening. Referring members are limited to five (5) referral rewards per calendar year. Rewards will be provided within thirty (30) days after all program requirements have been satisfied. Existing account holders and individuals with prior accounts are not eligible. This offer is subject to change or termination at any time without notice. Federally insured by NCUA.

4. How the Program Works. You must be a legal resident of the United States of America and at least 18 years old to use the Site. Next, you must visit the Site and follow the on-screen instructions to refer friends, family members or colleagues. Once an individual makes a referral, he/she becomes a "Referrer" and will be provided with a unique referral link ("Personal Link") that allows him/her to receive the benefit or reward advertised on the Site. Referred friends ("Friends") must complete the referral as described in the referral message.

5. Restrictions. Referrers cannot refer themselves or create multiple, fictitious or fake accounts with PEFCU or participate in the Program as "Friends". No user may use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Program. In addition, you may not (i) tamper with the Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot or other device or artifice to participate or receive any benefit in the Program. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, PEFCU RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
   
   Employees of PEFCU or any of its subsidiaries, affiliates or promotional agencies are not eligible to participate.

6. Rewards. By making a valid referral, you will receive a $50 Publix digital gift card, and your Friend will receive a $50 Publix digital gift card. Referring members may earn a maximum of five (5) rewards, or $250 in gift cards, per calendar year. Rewards are subject to verification. PEFCU may delay a reward for the purposes of investigation and may refuse to verify or process any transaction for any reason.
   
   Unless otherwise stated, rewards have no monetary value and may not be redeemed for cash. They are not transferable and may not be auctioned, traded, bartered or sold.