Referral Programs FREE EXIT TO REFERRING BANK How the Program Works Bank refers potential borrower to SPECTRUM. SPECTRUM provides the necessary financing while allowing the borrower to return to the referring bank prior to maturity at no cost whatsoever. Advantages to Bank Bank can refinance the SPECTRUM facility prior to the maturity date with no borrower termination fees. Borrower has a strong incentive to move from SPECTRUM back to the referring bank. Bank maintains the checking accounts and other banking services of the borrower. Advantages to Borrower Additional time to complete their turnaround or restructure. Ability to graduate to the referring bank sooner than the contract would otherwise allow.