* $100.00 Incentive to New Members and Existing Members who refer a person 18+ to open an account with at Firstmark Credit Union (Firstmark). Refer–a–Friend promotion effective September 16, 2025. Firstmark reserves the right to change this promotion from time to time. Eligibility for friends and family of current members only. Primary account owner must be age 18 (and up) to be eligible. Youth, Trust, Memorial, and Rep Payee are not eligible for promotion. New membership and one of the following Power of the Dollar® accounts must be opened for the incentive to be paid to the current and new member: Power of the Dollar® or Power of the Dollar® MAX. A Power of the Dollar® or Power of the Dollar® MAX checking account must remain open throughout the 60-day qualification period to receive the incentive. The minimum required balance to open a Power of the Dollar® or Power of the Dollar® MAX checking account is $25.00. New and the referring member $100.00 account incentive will be paid on the 61st day. There is a limit of five (5) referrals per member in a calendar year. If an existing member has met the referral limit on previous referral programs, they are not eligible for the bonus. All eligible bonus payouts will be paid on the 61st day. If eligible referred new member does not complete the requirements, no bonus will be paid to either party. Eligible member must make ten (10) debit transactions of at least $10.00 to earn the incentive bonus. Transactions must include signature- or PIN-based debit transactions only. ATM transactions are not eligible. Member must be enrolled in Digital Banking by the 61st day to be eligible for bonus payout. Member must be in good standing with the Credit Union at the time incentives are paid—no negative balances. If an existing membership and account was closed within the last six (6) months, the applicant and referring member is not eligible for bonus payout. No other promotions or offers may be applied. Incentives are considered a bonus and will be reported to the IRS Form 1099-INT (or Form 1042-S if applicable). APY = Annual Percentage Yield. Accurate as of 09/16/2025. The Credit Union may offer other rates in the future. Compounded monthly. Fees or other conditions could reduce the earnings on the account. Power of the Dollar® MAX is a tiered APY account. Rates are subject to change. Minimum daily balance of $500 to earn APY. Balances $500 to $10,000, the Dividend Rate is 2.96% with an APY of 3.00%; Balances $10,000.01(+), the Dividend Rate will revert to 0.01% with an APY of 3.00% to 0.01%. Rates, fees, and terms applicable can be located on the Firstmark Truth-in-Savings Disclosures. The Credit Union may offer other rates for these types of accounts in the future. Firstmark reserves the right to not pay bonus in the event there is incorrect information, fraud, and/or false information provided at account opening. Federally insured by NCUA.