Refer and Earn

Terms and Conditions and Eligibility Criteria

For referrer

1. Account should not be in arrears at point of issuance of discount code/ vouchers.
2. Referee must accept the new loan before the referrer gets to enjoy the discounted rate or vouchers.
3. For HP line and block discounting line, only applicable for next drawdown (one-time).
4. To enjoy the discounted rate, the new loan must be approved within 6 months from the acceptance of loan by the referee. The 6 months timeline also applies to drawdown from existing/new line.
5. Cap of one-time discount per referrer applies. ie. If the referrer refers more than 1 customer, he/she may opt for a one-time discounted rate and will be given vouchers for subsequent referrals.

Discount for referrer:

Product	Discount
Mortgage term loan	0.10% off the 1st year package rate
HP loan / Block Discounting drawdown from line	0.10% flat rate off package rate/existing contractual rate for 1 loan agreement/account only
Drawdown from Revolving Trade Line	0.10% off from approved rate/existing contractual rate for whole line for the period of 1 year from date of fresh drawdown if there is an existing line or first drawdown for a new line.
Drawdown from Mortgage revolving line	0.10% off from approved rate/existing contractual rate for whole line for the period of 1 year from date of fresh drawdown if there is an existing line or first drawdown for a new line.
Working Capital Term Loan	0.10% flat rate off package rate for Medical Practitioners; For other working cap packages, apply 0.10% off package rate.

Vouchers for referrer:

Amount payable in vouchers, to be rounded up to the nearest $10.

0.1% of facility limit, capped at $5,000

If the Referrer refers more than one loan under a particular borrower ("referee") concurrently, the Referrer will get vouchers for all the loans referred, subject to an overall cap of $5,000.

The referrer will be eligible to the vouchers/discount as long as there is a referral of any corporate loan product.

For referee

1. For HP line and Block Discounting line, only applicable for first drawdown (one-time).

Discount for referee:

Product	Discount
Mortgage term loan	0.10% off the 1st year package rate
HP loan / Block Discounting drawdown from line	0.10% flat rate off package rate for 1 loan agreement/account only
Drawdown from Revolving Trade Line	0.10% off from approved rate for whole line for the period of 1 year from date of first drawdown
Drawdown from Mortgage revolving line	0.10% off from approved rate for whole line for the period of 1 year from date of first drawdown
Working Capital Term Loan	0.10% flat rate off package rate for Medical Practitioners; For other working cap packages, apply 0.10% off package rate.

Hong Leong Finance reserves the right to change the terms and conditions of the Refer and Earn programme without any prior notice.