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¹Recommendation claim based on the results of an email survey conducted August 2016 by Union Plus to program participants of the AT&T wireless discounts through Union Plus.

²15% ON THE MONTHLY SERVICE CHARGE OF QUALIFIED WIRELESS PLANS: Available only to current members of qualified AFL-CIO member unions, other authorized individuals associated with eligible unions and other sponsoring organizations with a qualifying agreement. Must provide acceptable proof of union membership such as a membership card from your local union, a pay stub showing dues deduction or the Union Plus Member Discount Card and subscribe to service under an individual account for which the member is personally liable. Offer contingent upon in-store verification of union member status. Discount subject to agreement between Union Privilege and AT&T and may be interrupted, changed or discontinued without notice. Discount applies only to recurring monthly service charge of qualified voice and data plans, not overages. Not available with unlimited voice plans. For Family Talk, applies only to primary line. For all Mobile Share plans, applies only to monthly plan charge of plans with 1GB or more, not to additional monthly device access charges. Additional restrictions apply. May take up to 2 bill cycles after eligibility confirmed and will not apply to prior charges. Applied after application of any available credit. May not be combined with other service discounts. Visit UnionPlus.org/ATT or contact AT&T at 866-499-8008 for details.

³20% ON SELECT ACCESSORIES: AT&T will apply the Accessory Discount to the prices of select Accessories available through AT&T, which may be modified by AT&T from time to time. The term "Accessory" or "Accessories" means supplementary parts for Equipment (e.g. batteries, cases, earbuds). The Accessory Discount will not apply to Accessories purchased for use with datacentric Equipment such as modems, replacement SIM cards and car kits or to Apple-branded Accessories, and the Accessory Discount may not be combined with any other promotional pricing or offer.

⁴$200 AT&T VISA Reward Card Offer: Limited-time offer. Online only. Requires well-qualified credit and a new line or upgrade. Smartphone: Must buy a new LG G5 or V10 (excludes Certified Like-New and preowned) with AT&T Next agreement with qualified monthly wireless service plan (voice & data). AT&T Next: Requires eligible installment agreement and service. If service is canceled, remaining installment agreement balance is due. Down payment may be required. Tax due at sale. Visit att.com/next for plan details. AT&T Visa Reward Card: Remain active and in good standing to get Card within 8 weeks. May not redeem for cash or use for cash withdrawal at any cash-dispensing locations or automated gasoline pumps. Non-transferable and non-refundable. May be used to pay bill. Issued by MetaBank®, member FDIC, or CenterState Bank of Florida, NA pursuant to a license from Visa U.S.A. Incorporated. Use at U.S. locations where Visa cards are accepted through Expiration Date on Card (150 days from issuance). Purchases can be made without usage fees or bank finance charges up to the amount available on Card.  VISA cardholder terms and conditions apply and will be provided with Card. Limit: 5. Device Limits and Exclusions: Limit on total number of financed devices per wireless account apply. Activation Fee: $20.  Return or Restocking Fee: Up to $35.Subject to Wireless Customer Agreement. Credit approval required. Deposit may apply. Fees, overage, monthly, and other charges and restrictions apply. Pricing, terms, and restrictions subject to change and may be modified or terminated at any time without notice. Coverage and service not available everywhere. Other restrictions apply and may result in service termination. 

⁵$0 APPLE IPHONE 7 32GB OFFER: Limited-time offer (ends October 31, 2016, in Puerto Rico). Port-in: From eligible carriers (excludes Cricket and select others) only. Must buy eligible device within 7 days of port. Eligible Device: New Apple iPhone 7 and 7 Plus on 0% APR AT&T Next (30-month) or AT&T Next Every Year (24-month) installment agreement. $0 down for well-qualified credit or down payment may be required. Retail price is divided into monthly installments. Tax on full retail price due at sale. After all credits, get iPhone 7 32GB priced $650 ($21.67 or $27.09/month) for free. May apply max credit towards other eligible devices priced up to $970, which will be discounted but not free. Wireless: Monthly postpaid voice and data required (existing customers can add to eligible current plans). DIRECTV: Excludes streaming only services. If new customer, 24-month agreement required. Must be installed within 30 days of device activation. Bill Credit: Applied in equal amounts over entire agreement term. Both services must remain active and in good standing for up to 30 months and device must remain on its agreement for entire term to get all its credits (if cancel wireless service you will owe remaining installment balance of up to $970). If upgrade or pay up/off agreement early your credits may cease. Offer Limits: 1 per wireless acct; 2 wireless accounts per TV account. 1 free device per wireless account per 12 month period. Return:Restocking fee up to $45 may apply. See store or att.com/TVAppleoffer for offer details.

General WIRELESS Service: Subject to Wireless Customer Agreement (att.com/wca).Deposit: May apply. Limits: Purchase limits apply. Credit approval, taxes, fees, monthly, other charges, usage, speed, coverage, and other restrictions apply. Activation: $20 fee.Promotion, terms, and restrictions subject to change and may be modified or terminated at any time without notice.

DIRECTV: Subject to Equipment Lease and Customer Agreements (directv.com/legal). Residential customers only. Hardware and programming available separately. Prorated Early Termination Fee (up to $480) and Equipment Non-Return fees apply. Programming, pricing, terms and conditions subject to change at any time.

⁶FREE SAMSUNG GALAXY S7 OFFER: Limited time offer (Ends October 31, 2016, in Puerto Rico). Port-in: From eligible mobility carriers (excludes Cricket & select others) only. Must buy eligible device within 7 days of porting. Eligible Device: New Samsung Galaxy S7, S7 edge, S7 active & Note7 on 0% APR AT&T Next (30-month) or AT&T Next Every Year (24-month) installment agreement. $0 down for well-qualified credit or down payment may be required. Retail price is divided into monthly installments. Tax on full retail price due at sale. After all credits, get Galaxy S7 priced $695 ($23.17 or $28.96/month) for free. May apply max credit towards other eligible devices priced up to $880, which will be discounted but not free.Wireless: Monthly postpaid voice and data required (existing customers can add to eligible current plans). DIRECTV: Excludes streaming only services. If new customer, 24-month agreement required. Must be installed within 30 days of device activation. Bill Credit: Applied in equal amounts over entire agreement term. Both services must remain active and in good standing for up to 30 months and device must remain on its agreement for entire term to get all its credits (if cancel wireless service you will owe remaining installment balance of up to $880). If upgrade or pay up/off agreement early, your credits may cease. Offer Limits: 1 per wireless account; 2 wireless accounts per TV account. Return: Restocking fee up to $45 may apply. See store or att.com/TVSamsungoffer for offer details.

GENERAL WIRELESS SERVICE: Subject to Wireless Customer Agreement (att.com/wca). Deposit: may apply. Limits: Purchase limits apply. Credit approval, taxes, fees, monthly, other charges, usage, speed, coverage and other restrictions apply. Activation: $20 fee. Promotion, terms, and restrictions subject to change and may be modified or terminated at any time without notice.

DIRECTV: Subject to Equipment Lease and Customer Agreements (directv.com/legal).Residential customers only. Hardware and programming available separately. Prorated ETF (up to $480) and Equipment Non-Return fees apply. Programming, pricing, terms and conditions subject to change at any time.

⁷Based on overall coverage in U.S. licensed/roaming areas. Map estimates outdoor coverage. Compatible device req’d. Coverage not avail. everywhere. AT&T’s 4G LTE coverage is not equivalent to its overall network coverage.

⁸Claim based on nationwide carriers’ dropped call performance.

⁹SWITCH OFFER: Limited time (ends 12/31/16 in Puerto Rico). Each line requires an eligible port-in, trade-in, purchase, service, and final bill submission. Credits may not equal all costs of switching. Eligible port-in: From eligible carrier (excludes Cricket and select others) on their term agreement or device plan (excludes third-party agreements). Must buy eligible smartphone in same transaction. Eligible Purchase/Service: Smartphone on AT&T Next or AT&T Next Every Year Installment Agreement with eligible service (excludes prepaid, Lifeline, Residential Wireless, and select discounted plans). Account and service must remain active and in good standing for 45 days. Tax due at sale. Down payment may be required. If service is canceled, installment agreement balance (up to $950) is due. Limit: Purchase limits apply. Trade-in: Select locations. Must be smartphone on line ported, be in good working condition with minimum $5 trade-in value, and meet AT&T Trade-in program requirements. Trade-in Credit: Instant credit or private label AT&T Promotion Card issued by MetaBank™ or CenterState Bank of Florida NA, via license from Visa U.S.A. Inc. (may take 3 weeks to receive). Credit and Card valid for 5 months and for use only to purchase AT&T products and service in AT&T-owned retail stores, at att.com, or to pay wireless bill. At participating dealers get credit (with additional terms) for use at dealer. Final Bill: Must go to att.com/helpyouswitch and upload or mail final bill within 60 days showing Early Termination Fee (ETF) or device balance (including lease purchase costs) on number ported. Final Credit: Total amount equals device balance/ETF (excludes taxes, fees, service, and other charges) up to $650 minus trade-in. Get up to $640 for device plan balance or up to $340 for ETF. Within 4 weeks after meet eligible requirements, are mailed AT&T Promotion Visa Prepaid Card issued by CenterState Bank of Florida NA, via license from Visa U.S.A. Inc. Not redeemable for cash and non-transferable. For use at U.S. locations where Visa cards are accepted through date printed on card (minimum 150 days). Additional cardholder terms and conditions apply and are provided with Prepaid Card. See att.com/switch for offer details.

GENERAL WIRELESS SERVICE: Subject to Wireless Customer Agreement (att.com/wca). Services are not for resale. Deposit may be required. Credit approval, activation ($20), and other fees, monthly, overage and other charges, usage and other restrictions per line apply. Pricing, promotions, and terms subject to change and may be modified or terminated at any time without notice. Coverage and service not available everywhere. You get an off-net (roaming) usage allowance for each service. If you exceed the allowance, your service(s) may be restricted or terminated. Other restrictions apply and may result in service termination.

¹MOBILE SHARE ADVANTAGE: Prices are for service only and include monthly plan charge and per device monthly access charge. Devices: 10 per plan. Purchase additional.
Data: For use in the United States, Puerto Rico, and the U.S. Virgin Islands (“Domestic Coverage Area” or “DCA”). 10GB and higher plans also include usage in Mexico. Usage in Canada for select Connected vehicles only. Tethering and Mobile Hotspot use for up to five (5) simultaneous devices. Rollover Data: Unused data from the monthly plan allowance carries over for one bill cycle. Rollover Data automatically expires after one bill cycle and with any plan change (such as changing data amounts or termination). Rollover Data is used after your monthly plan allowance. Overage Charges and Data Speeds: No charge for overage. After all your high-speed data allotments are used, all data usage is slowed to a max of 128Kbps (2G speed) for the rest of the bill cycle. You will have basic data use for viewing a webpage or checking email. Audio and video streaming, picture and video messaging, as well as other usage, including sponsored data, will be impacted and may not be fully functional. See att.com/broadbandinfo for more details.

UNLIMITED TALK: For phones. Includes calls within the DCA (10GB and higher plans also include calls within Mexico). Service may be terminated for excessive roaming (see Wireless Customer Agreement at att.com/wca) or, for business customers, applicable wireless service agreement (“Business Agreement”). Unlimited Talk to Canada and Mexico: Included on 10GB and higher plans. For phones. Includes International Long Distance (ILD) calling from the DCA to Mexico and Canada only. You may be charged for calls to special or premium service numbers. Calls to Other Countries: Select plans also allow calling from the DCA and/or Mexico to countries other than Canada and Mexico. Per-minute pay-per-use rates apply unless an ILD service package is added to the line placing the calls. Rates subject to change without notice. For rates see att.com/worldconnect. UNLIMITED TEXT: Standard Messaging – For phones. Includes unlimited number of messages up to 1MB in size within and from the DCA (and for 10GB and higher plans also Mexico) to more than 190 countries for text messages and 120 countries for picture and video messages. AT&T may add, change, and remove included countries at its discretion without notice. Messages sent through applications may incur data or other charges. Details at att.com/text2world. Advanced Messaging – For customers with Advanced Messaging capable devices only. Both sender and recipient(s) must be AT&T postpaid wireless customers with HD Voice accounts, and both must have their devices turned on and be within AT&T owned and operated DCA only (third-party coverage and use in Mexico are excluded). Includes unlimited number of messages up to 10MB in size. Additional restrictions apply and can be found at att.com/advancedmessaging.

Mexico Service Restrictions: 10GB and higher plans also include plan usage in Mexico. Not available on WHP, WHPI, and Connected Devices. Pay-per-use roaming rates will apply. Plan usage or roaming in Mexico not available on Connected vehicles.

Connected Devices: Includes eligible connected vehicles, wearables, cases, connected wearables, and other select devices. Connected Wearable: A wireless phone designed to be worn that is capable of making/receiving calls without being connected to another wireless device. See list of devices at att.com/wearableslist. 

Wireless Home Phone (“WHP”): Wireless voice service (Commercial Mobile Radio Service or CMRS). Wireless Home Phone and Internet (“WHPI”): Is a CMRS and mobile broadband Internet access service. Plan 10GB or higher required. WHP and WHPI General: Messaging excluded. For emergency calls, provide location to 911 operator. Devices have backup battery but landline equipment with separate power will not place/receive calls (including 911) during outage. Not compatible with landline dependent services like medical alert monitoring systems. Other compatibility limitations apply. For WHP details visit att.com/getwirelesshomephone and att.com/getwirelesshome for WHPI details.

GENERAL SERVICE TERMS: Subject to Wireless Customer Agreement (at att.com/wca) or for business customers the applicable Business Agreement. Service not for resale. Credit approval required. Deposit: may be required. Activation and other fees and charges apply. Other Monthly Charges: Apply per line and may include taxes, federal/state universal service charges, Regulatory Cost Recovery Charge (up to $1.25), gross receipts surcharge, Administrative Fee, and other government assessments (including without limitation a Property Tax Allotment surcharge of $0.20 - $0.45 applied to business customers per number) which are not government-required charges. Pricing, promotions, restrictions, and terms subject to change and may be modified, or terminated at any time without notice. Coverage and service not available everywhere. You get an off-net (roaming) usage allowance for each service. If you exceed the allowance, your service(s) may be restricted or terminated. Other restrictions apply and may result in service termination. Any service discount described in your organization’s AT&T wireless service agreement (“Business Agreement”) applies only to the monthly plan charge, and not monthly device access charges. For full service terms and conditions visit att.com/wirelessterms or applicable Business Agreement.

²SWITCH OFFER: Limited time (ends 3/31/17 in Puerto Rico). Each line requires an eligible port-in, trade-in, purchase, service, and final bill submission. Credits may not equal all costs of switching. Eligible port-in: From eligible carrier (excludes Cricket and select others) on their term agreement or device plan (excludes third-party agreements). Must buy eligible smartphone in same transaction. Eligible Purchase/Service: Smartphone on AT&T Next or AT&T Next Every Year Installment Agreement with eligible service (excludes prepaid, Lifeline, Residential Wireless, and select discounted plans). Account and service must remain active and in good standing for 45 days. Tax due at sale. Down payment may be required. If service is canceled, installment agreement balance (up to $950) is due. Limit: Purchase limits apply. Trade-in: Select locations. Must be smartphone on line ported, be in good working condition with minimum $5 trade-in value, and meet AT&T Trade-in program requirements. Trade-in Credit: Instant credit or private label AT&T Promotion Card issued by MetaBank™ or CenterState Bank of Florida NA, via license from Visa U.S.A. Inc. (may take 3 weeks to receive). Credit and Card valid for 5 months and for use only to purchase AT&T products and service in AT&T-owned retail stores, at att.com, or to pay wireless bill. At participating dealers get credit (with additional terms) for use at dealer. Final Bill: Must go to att.com/helpyouswitch and upload or mail final bill within 60 days showing Early Termination Fee (ETF) or device balance (including lease purchase costs) on number ported. Final Credit: Total amount equals device balance/ETF (excludes taxes, fees, service, and other charges) up to $650 minus trade-in. Get up to $640 for device plan balance or up to $340 for ETF. Within 4 weeks after meet eligible requirements, are mailed AT&T Promotion Visa Prepaid Card issued by CenterState Bank of Florida NA, via license from Visa U.S.A. Inc. Not redeemable for cash and non-transferable. For use at U.S. locations where Visa cards are accepted through date printed on card (minimum 150 days). Additional cardholder terms and conditions apply and are provided with Prepaid Card. See att.com/switch for offer details.

GENERAL WIRELESS SERVICE: Subject to Wireless Customer Agreement (att.com/wca). Services are not for resale. Deposit may be required. Credit approval, activation ($20), and other fees, monthly, overage and other charges, usage and other restrictions per line apply. Pricing, promotions, and terms subject to change and may be modified or terminated at any time without notice. Coverage and service not available everywhere. You get an off-net (roaming) usage allowance for each service. If you exceed the allowance, your service(s) may be restricted or terminated. Other restrictions apply and may result in service termination.

³15% ON THE MONTHLY SERVICE CHARGE OF QUALIFIED WIRELESS PLANS: Available only to current members of qualified AFL-CIO member unions, other authorized individuals associated with eligible unions and other sponsoring organizations with a qualifying agreement. Must provide acceptable proof of union membership such as a membership card from your local union, a pay stub showing dues deduction or the Union Plus Member Discount Card and subscribe to service under an individual account for which the member is personally liable. Offer contingent upon in-store verification of union member status. Discount subject to agreement between Union Privilege and AT&T and may be interrupted, changed or discontinued without notice. Discount applies only to recurring monthly service charge of qualified voice and data plans, not overages. Not available with unlimited voice plans. For Family Talk, applies only to primary line. For all Mobile Share plans, applies only to monthly plan charge of plans with 1GB or more, not to additional monthly device access charges. Additional restrictions apply. May take up to 2 bill cycles after eligibility confirmed and will not apply to prior charges. Applied after application of any available credit. May not be combined with other service discounts. Visit UnionPlus.org/ATT or contact AT&T at 866-499-8008 for details.

20% ON SELECT ACCESSORIES: AT&T will apply the Accessory Discount to the prices of select Accessories available through AT&T, which may be modified by AT&T from time to time. The term "Accessory" or "Accessories" means supplementary parts for Equipment (e.g. batteries, cases, earbuds). The Accessory Discount will not apply to Accessories purchased for use with datacentric Equipment such as modems, replacement SIM cards and car kits or to Apple-branded Accessories, and the Accessory Discount may not be combined with any other promotional pricing or offer.

¹Screen Repair: $89 deductible applies. Limited to eligible devices in select markets. Same-day repair appointments available between 9 AM and 7 PM local time, subject to technician’s availability in applicable service area. Claim must be approved by 2 PM local time to be eligible for same day repair. Repairs are performed by an Asurion-certified technician and come with a 12-month warranty. Repairs may use new or refurbished parts and may contain original or non-original manufacturer parts. Declining Deductibles not applicable to screen repair and selecting screen repair option will not impact customer’s Declining Deductible eligibility. Some colors of eligible devices are not covered. Eligible devices and available markets are both subject to change at any time.
Mobile Insurance and Multi-Device Insurance are underwritten by Continental Casualty Company, a CNA company (CNA), and administered by Asurion Protection Services, LLC (in Iowa, Lic. #1001002300, in California, Asurion Protection Services Insurance Agency, LLC, CA Lic. #OD63161. In Puerto Rico, Asurion Protection Services of Puerto Rico, Inc.), a licensed agent of CAN.
 
²15% ON THE MONTHLY SERVICE CHARGE OF QUALIFIED WIRELESS PLANS: Available only to current members of qualified AFL-CIO member unions, other authorized individuals associated with eligible unions and other sponsoring organizations with a qualifying agreement. Must provide acceptable proof of union membership such as a membership card from your local union, a pay stub showing dues deduction or the Union Plus Member Discount Card and subscribe to service under an individual account for which the member is personally liable. Offer contingent upon in-store verification of union member status. Discount subject to agreement between Union Privilege and AT&T and may be interrupted, changed or discontinued without notice. Discount applies only to recurring monthly service charge of qualified voice and data plans, not overages. Not available with unlimited voice plans. For Family Talk, applies only to primary line. For all Mobile Share plans, applies only to monthly plan charge of plans with 1GB or more, not to additional monthly device access charges. Additional restrictions apply. May take up to 2 bill cycles after eligibility confirmed and will not apply to prior charges. Applied after application of any available credit. May not be combined with other service discounts. Visit UnionPlus.org/ATT or contact AT&T at 866-499-8008 for details.
 
³20% ON SELECT ACCESSORIES: AT&T will apply the Accessory Discount to the prices of select Accessories available through AT&T, which may be modified by AT&T from time to time. The term "Accessory" or "Accessories" means supplementary parts for Equipment (e.g. batteries, cases, earbuds). The Accessory Discount will not apply to Accessories purchased for use with datacentric Equipment such as modems, replacement SIM cards and car kits or to Apple-branded Accessories, and the Accessory Discount may not be combined with any other promotional pricing or offer.
 
⁴Limited time (ends 3/31/17 in Puerto Rico). Each line requires an eligible port-in, trade-in, purchase, service, and final bill submission. Credits may not equal all costs of switching. Eligible port-in: From eligible carrier (excludes Cricket and select others) on their term agreement or device plan (excludes third-party agreements). Must buy eligible smartphone in same transaction. Eligible Purchase/Service: Smartphone on AT&T Next or AT&T Next Every Year Installment Agreement with eligible service (excludes prepaid, Lifeline, Residential Wireless, and select discounted plans). Account and service must remain active and in good standing for 45 days. Tax due at sale. Down payment may be required. If service is canceled, installment agreement balance (up to $950) is due. Limit: Purchase limits apply. Trade-in: Select locations. Must be smartphone on line ported, be in good working condition with minimum $5 trade-in value, and meet AT&T Trade-in program requirements. Trade-in Credit: Instant credit or private label AT&T Promotion Card issued by MetaBank™ or CenterState Bank of Florida NA, via license from Visa U.S.A. Inc. (may take 3 weeks to receive). Credit and Card valid for 5 months and for use only to purchase AT&T products and service in AT&T-owned retail stores, at att.com, or to pay wireless bill. At participating dealers get credit (with additional terms) for use at dealer. Final Bill: Must go to att.com/helpyouswitch and upload or mail final bill within 60 days showing Early Termination Fee (ETF) or device balance (including lease purchase costs) on number ported. Final Credit: Total amount equals device balance/ETF (excludes taxes, fees, service, and other charges) up to $650 minus trade-in. Get up to $640 for device plan balance or up to $340 for ETF. Within 4 weeks after meet eligible requirements, are mailed AT&T Promotion Visa Prepaid Card issued by CenterState Bank of Florida NA, via license from Visa U.S.A. Inc. Not redeemable for cash and non-transferable. For use at U.S. locations where Visa cards are accepted through date printed on card (minimum 150 days). Additional cardholder terms and conditions apply and are provided with Prepaid Card. See att.com/switch for offer details.

GENERAL WIRELESS SERVICE: Subject to Wireless Customer Agreement (att.com/wca). Services are not for resale. Deposit may be required. Credit approval, activation ($20), and other fees, monthly, overage and other charges, usage and other restrictions per line apply. Pricing, promotions, and terms subject to change and may be modified or terminated at any time without notice. Coverage and service not available everywhere. You get an off-net (roaming) usage allowance for each service. If you exceed the allowance, your service(s) may be restricted or terminated. Other restrictions apply and may result in service termination.

This original article was published by the AFL-CIO.

This list is compiled from Union Plus, the AFL-CIO Union Label and Service Trades Department (UL&STD) and the BCTGM website. Check them out for even more gift ideas.

*Certain state restrictions apply to the real estate cash back program. To qualify for cash back reward (in cash back states), you must use a SIRVA-referred real estate agent. Program designed as a referral service to provide you the opportunity to select a real estate agent to meet your needs. You must evaluate the brokers, agents and their services and make selections and decisions based upon your best judgment, interest, priorities and concerns. Call 800.284.9756 or visit UP-RealEstateRewards.com for important program details and state restrictions. The minimum home value required for cash back or reduced commission is $75,000. There is no monetary reward for members, who use the program to buy a home, in non-cash back states. You must use a program-referred real estate agent in order to qualify for the cash back reward.

SIRVA is an independent provider of services. Union Plus is not affiliated with SIRVA and does not manage SIRVA or its programs.

SIRVA is paying Union Plus for advertising services including dissemination of information about SIRVA and its programs to participating unions and their members as well as participation in Union Plus events and programs.  No referral, recommendation, service representation or exclusivity requirement is intended by the Union Plus’s mention or dissemination of the SIRVA name and delivery of this information to participating union members.  It is important that you evaluate the information provided and make decisions based upon your own best interest, priorities, and concerns.
 

1. The Union Plus® Mortgage Assistance Program is provided and administered through the AFL-CIO Mutual Benefit Plan (“The Plan”), which is not affiliated with Wells Fargo Bank, N.A. Additional information about this program and eligibility criteria can be obtained at www.unionplus.org/assistance. 
Home equity financing is not eligible for the benefits of this program. Union Plus® is a registered trademark of Union Privilege.
Information is accurate as of date of printing and is subject to change without notice. 

2. Eligible individuals can receive the Wells Fargo My Mortgage GiftSM award approximately 6 weeks after closing on a new purchase or refinance loan secured by an eligible first mortgage or deed of trust with Wells Fargo Home Mortgage (“New Loan”), subject to qualification, approval and closing, when identifying themselves as eligible. The My Mortgage GiftSM award is not available with any Wells Fargo Three-Step Refinance SYSTEM® program, The Relocation Mortgage Program® or to any Wells Fargo team member.  Only one My Mortgage Gift award is permitted per eligible (“New Loan”).  This award cannot be combined with any other award, discount or rebate, except for yourFirstMortgageSM. This award is void where prohibited, transferable, and subject to change or cancellation with no prior notice. Awards may constitute taxable income. Federal, state and local taxes, and any use of the award not otherwise specified in the Terms and Conditions provided at receipt of award are the sole responsibility of the My Mortgage GiftSM recipient. 

Wells Fargo Home Mortgage has a services agreement with Union Privilege in which Union Privilege receives a financial benefit for providing agreed upon services. You are encouraged to shop around to ensure you are receiving the services and loan terms that fit your home financing needs.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2016 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. 7/16