Union Bank & Trust Refer-A-Friend

Refer-A-Friend

If You’d Like to Refer A Friend		If You’ve Been Referred
It’s Good For You^1,2 Refer a friend who opens a new Union Bank & Trust checking account, and you’ll receive your choice of a $15 iTunes gift code or $15 cash; plus a free upgrade to a designer debit card of your choice (see the gallery of options below). It's Good for Your Friend^3,4 Your friend will get $50! Once they open a checking account and make 10 debit card transactions within two months, the $50 will be automatically deposited into their account. PLUS, they’ll get to upgrade to a designer debit card, too! Make Your Referrals Online^1,2,3 Use the Refer-A-Friend site to refer as many friends as you’d like. You can return to the site and login to check on the status of your referrals, and continue making more referrals. We’ll even e-mail you to let you know when one of them opens a checking account! Remember, for each friend who opens a checking account, you’ll receive your choice of a $15 iTunes gift code or $15 cash, and they’ll receive $50.		Open Your Account Be sure to have your RAF code handy. This code is in the email you received when your friend referred you (for example: RAF99). • Apply Online – enter the RAF Code in the Promotional Codes portion of the form • Stop by any Union Bank & Trust location • Contact our Call Center: Lincoln — (402) 323-1777 Toll-free — (800) 297-2837 Start Your Own Referrals^1,2,3 As soon as you open your account and receive your debit card in the mail, you can reap the rewards of referrals, too! Simply come back to ubt.com/friend and refer as many friends as you’d like. They’ll each get $50 and you’ll receive your choice of a $15 iTunes gift code or $15 cash!

Make A Splash

Urban Expression

Let Freedom Ring

Pretty In Pink

Classic Couture

Peace and Love

Fashionista

Bling It On

Pier Of Paradise

Oui Oui Paris

When In Rome

Rock N' Soul

Lights Out

#1 Fans

Master of the Green

Gridiron Glory

The World's Game

Wild Child

On the Catwalk

Sassy Safari

Life is Right

Be Happy

Be You

Be More

Big Blue

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¹If you choose the $15 iTunes gift code, you will receive an email containing a unique iTunes code approximately 30 days after your friend opens their checking account. This $15 gift credit is activated on the iTunes store by using the code emailed to you. A free iTunes account is required. iTunes is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or a sponsor of this promotion.

²If you choose the $15 cash, an existing Union Bank checking account is required. The $15 will be deposited to your account within 60 days after your friend opens their checking account.

³Offer good on personal checking accounts only and for persons who do not have a Union Bank checking account. Limit one per household. $50 received as a bonus when you open a new checking account and conduct 10 point-of-sale transactions with your debit card within 2 months of account opening. $50 credited to your account within 30 days of month end following your 10th qualifying transaction. No minimum balance requirement to receive bonus. $50 deposit to open account. For interest-earning accounts, various Annual Percentage Yields (APYs) available based on account balance. For example, our Interest Advantage account requires $500 minimum balance to earn .05% APY as of 3/1/13. Fees may reduce earnings. Rates subject to change. For MyStyle Checking, $50 is one of three designer features. $5 designer debit card fee waived on initial card; for MyStyle Checking the designer debit card is one of three account designer features. Bonus is considered interest and is reportable on IRS Form 1099-INT.

⁴For the Referrer and Friend, $5 designer debit card fee waived on initial card; for MyStyle Checking the designer debit card is one of three account designer features

Important Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you; we may also ask to see your driver’s license or other identifying documents.

FDIC Insurance:
For general information on FDIC Insurance, click here. For an important disclosure regarding deposit insurance on noninterest-bearing transaction accounts, click here.