Refer as many people as you can and add up your rewards.  Refer your family,
         friends, neighbors and relatives who have not used our services in the past 2 years and $20.00 will be credited to your account
         for each referal that uses our services. 
Reward earnings must be used within
         one year of issuance.  Reward earnings are non-transferable.
Management reserves the right to modify or revoke this
         offer.
I want to refer a friend: