REFERALL PROGRAM REWARDS

~Referral’s accounts are reviewed after first 90 days of PACFCU membership. After 90 days, the Referral’s account is reviewed to ensure Program reward eligibility. Within thirty (30) days of account eligibility review, if Member and Referral have met all criteria, Member and Referral are awarded a credit valued at $10.00 USD to their respective Savings account. The reward will be deposited into the member’s Savings account for each qualified Referral that meets the conditions listed above. There is a limit of ten (10) eligible referrals and $100.00 USD in referral rewards per Member per calendar year. If all conditions are met only one reward will be issued for each Referral based on the name of the Member on the referral form (in case multiple referral forms are submitted, the one with the earliest date will be rewarded).

~In order for Member and Referral to receive reward, both Member and Referral must remain members of Port Arthur Community Federal Credit Union and all of their respective accounts must remain in good standing through the time of distribution.

~Two (2) business days after account opening, the “Referral” becomes eligible to refer other individuals for the Program. In this case, the “Referral” would become known as the “Member” and the person being referred would be known as “Referral”. Above rules and limitations remain applicable and relevant to the Program and its process.

~Any questions or claims regarding unpaid rewards must be submitted to Port Arthur Community Federal Credit Union; Attention: Marketing, in writing within 120 days of Referral’s account opening.

REWARD CONDITIONS

No transfer of any reward is permitted, except at the sole discretion of PACFCU. No substitution of reward will be permitted. Taxes, if any, are the responsibility of the individuals receiving the reward (winner); a Miscellaneous Form 1099 will be issued as required by law. Port Arthur Community Federal Credit Union will not be responsible for any act of God, acts of terrorism, civil disturbances, work stoppage, force majeure, or other event, condition, or occurrence outside the control of Port Arthur Community Federal Credit Union that may cause the delay or failure to deliver any part of the reward or the entire reward.

PROGRAM LIMITATIONS

The Program and participation therein are offered at the sole discretion of Port Arthur Community Federal Credit Union, and PACFCU has the right to change the respective Program Terms and Conditions, in whole or in part, or to discontinue the Program, at any time without notice or liability to Members. PACFCU reserves the right at its sole discretion to disqualify any individual it finds to be tampering with the referral process or the operation of the Program to be acting in violation of any of these Official Rules. PACFCU’s failure to enforce any term of these Official Rules will not constitute a waiver of this provision. All Parties are subject to verification and compliance with these Official Rules.

WAIVER OF LIABILTY

Except where prohibited, all participants agree to release and hold Port Arthur Community Federal Credit Union and its subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, and all other associated with the development and execution of this program (the “Released Parties”) harmless from any and all liability with respect to, or in any way arising from, or in connection with: a) his/her participation in this program and/or the acceptance, possession, or use of any reward that may be awarded to him/her, including but not limited to, liability for personal, bodily injury, death, damages, or loss of any kind; b) unauthorized human intervention in the program; c) technical errors, programming errors, transmission defaults or interruptions related to computers, mobile phones, software, servers, or telephone or network lines; d) computer server or telephone service failure and/or delayed, garbled or corrupted data transmitted by participants; e) sending, printing, or typographical errors; f) error in the administration of the program or the procession of referrals; or g) late, lost or undeliverable mail or e-mail. The Released Parties are not responsible for i) incomplete, lost, illegible, late or stolen, or misdirected referrals, and ii) technical, hardware, software, or telephone/internet malfunctions of any kind, transmission defaults, corrupted data, hardware or software malfunctions lost or unavailable network connections, or failed, incorrect, incomplete, garbled data, or by any human or other errors that may occur in connection with the program, as applicable.

DISPUTES

Concerns regarding the Program should be addressed, in writing, to: Port Arthur Community Federal Credit Union, Attention: Marketing; 3100 Central Mall Dr. Port Arthur, Texas 77642, or dropped off to any Port Arthur Community Federal Credit Union location within 120 calendar days of Referral’s account opening.

SPONSER

The sponsor/host of the program is Port Arthur Community Federal Credit Union. The credit union is federally insured by the National Credit Union Administration (NCUA).