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Referral Bonus Conditions: A $50 Referral Bonus (the “Referral Bonus”) will be paid to each of the Referrer and the Referral provided all conditions set out in these Terms and Conditions are met. For both the Referrer and Referral to earn the Referral Bonus, the Referral must complete the following actions (“All Actions”): enroll using a valid Refer a Friend Orange Key provided by the Referrer, successfully open their first Tangerine Account (excluding Tangerine Credit Cards), make an initial deposit/investment of at least $250 within 60 days of becoming a Tangerine Client, and maintain a minimum Account balance of $250 for at least 60 consecutive days starting on the date the initial $250 minimum deposit/investment is made. Accounts are deemed successfully opened when the Referral has satisfied the Account Terms and the Account is without restrictions of any sort. For Mortgages and other Loans, the minimum deposit requirements don’t apply. Note that the Referrer will not receive any confidential banking details regarding the Referral’s Account(s). Referrers may earn up to three (3) Referral Bonuses per calendar year (the “Referral Cap”). This means that you will only earn a Referral Bonus for your first 3 Referrals who successfully complete All Actions in a given calendar year. You won’t earn a Referral Bonus on any referrals you make in a calendar year during which you’ve already reached the Referral Cap.

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