Referral Programme – Terms & Conditions

1. Eligibility

The referral programme is open to individuals who introduce third parties to the fiduciary services of Tontine Trust Europe KB ("Tontine Trust").

2. Qualifying Referral

Referral Fee Eligibility

A referral fee is payable only where a referred individual:

• Establishes an individual trust using a valid referral code; and
• Establishes and maintains a trust relationship in accordance with the Trustee’s operational and administrative requirements within the applicable 90 day qualification period..

Where a trust is established with initial funding below USD 50,000, including trusts intended to be funded gradually over time, the Trustee may, at its discretion, accept and administer such trusts; however
referral fees will only be payable in respect of trust relationships that are established and maintained in accordance with the Trustee’s operational and administrative requirements within the applicable qualification period.

Referral fees are:

• A one-time, flat fee
• Paid for introduction only
• Not based on asset value, funding schedule, or outcomes
• Not determined by contribution amounts, asset levels, or account size
• Not payable retroactively unless expressly stated

3. Funding Method Clarification

Funding a trust through:

• One off contributions
• Gradual/periodic funding over time

Does not affect the nature of the trust or the services provided.

Referral fee eligibility is determined solely by whether a trust relationship is established and maintained in accordance with the Trustee’s operational and administrative requirements.

4. No Obligation or Expectation

Establishing a trust with an intention to fund gradually:

• Does not create any obligation to reach the minimum corpus
• Does not constitute an investment commitment
• Does not guarantee referral fee eligibility

Tontine Trust makes no representation that a trust will reach any particular funding level.

5. Referral Fee

• A flat fee of USD 250 is payable each to:
  • The referrer
  • The referred individual
• Fees are paid for introduction only
• Fees are not dependent on trust value, asset performance, or outcomes and no additional fees are payable based on the size or level of assets within any trust

6. No Advice or Authority

Referrers:

• Do not provide legal, tax, or investment advice
• Do not negotiate trust terms
• Do not recommend assets or strategies
• Do not act as fiduciaries or agents

7. Compliance Obligations

Referrers must not:

• Describe trusts as investments
• Discuss returns, yield, or appreciation
• Suggest asset types or strategies
• Imply regulatory, tax, or legal avoidance

Violation may result in termination from the programme.

8. Right to Refuse or Terminate

Tontine Trust reserves the right to:

• Refuse any referral
• Amend or terminate the programme at any time
• Withhold referral fees for non-compliant activity
• Decline to establish, or discontinue, trust relationships that do not meet operational or administrative requirements

What am I referring my friend to?

You are referring them to fiduciary and administrative trust services, not investments.

Is this an investment?

No.
A trust is a legal and administrative structure, not an investment product.

Why is there a USD 50,000 minimum?

This is an administrative requirement to establish and maintain a trust.
It is not an investment minimum.
Trusts established with lower amounts may be accepted at the discretion of the Trustee; however, referral rewards are only available in respect of trust relationships that are established and maintained in accordance with the Trustee’s operational and administrative requirements.

Do I or the trust company give investment advice?

No.
Neither referrers nor the trust company provide investment advice or recommend assets.

How does the referral fee work?

If your friend establishes a qualifying trust using your referral code and the trust remains in effect in accordance with the Trustee’s operational and administrative requirements:

• You receive USD 250
• Your friend receives USD 250

This is a one-time, flat referral fee.

Do I need to explain what assets should go into the trust?

No.
You should not discuss assets, strategies, or returns.

Is this referral programme allowed?

Yes—when handled correctly.
The programme is designed to comply with applicable consumer-protection and advertising rules.

What should I say when referring someone?

Simply explain:

• What the trust company does
• That you receive a referral fee
• That you are not giving advice

The trust company will handle everything else.

When are rewards paid?

Unless agreed otherwise with Tontine Trust, rewards for qualifying trust relationships are paid within 10 business days of the end of each quarter.

How do I obtain an invitation/referral code and/or link?

1. Register an account on the Tontine platform or using one of the mobile apps.
2. Go to the Rewards section and customise your referral/invitation code which must be exactly 6 characters.
3. Copy and past your code or use the sharing links provided in the app.

Final Note

The safest approach is simple:

• Describe services, not outcomes
• Disclose the referral fee
• Do not discuss investments