a. enroll using a valid Refer a Friend Orange Key provided by the Referrer,
b. successfully open their first Tangerine Account (excluding Tangerine Credit Cards),
c. make an initial deposit/investment of at least $250 within 60 days of becoming a Tangerine Client, and
d. 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.