Cosign Financial Rebates Terms and Conditions

Important Notice

1 How the Rebate Program Works

• Your loan includes a surety / guarantor fee, which compensates the surety or guarantor for assuming the risk on the loan.
• If your loan is paid in full, meets all eligibility requirements, and was offered a rebate at the time of loan issuance, you may qualify for a rebate on a portion of the surety / grantor fee or Interest.
• Once your loan is fully completed, you can submit a rebate claim. The rebate is validated only after this process is complete.

This program is intended to encourage consistent, reliable repayment behavior and does not change your original loan obligations.

2 Eligibility Requirements

To qualify for a surety / grantor fee rebate, all of the following conditions must be met:

• Loan is paid in Full
• All scheduled payments were made on time
• No missed payments
• No deferrals, payment reductions, or payment rescheduling
• No collection activity, enforcement action, or third-party involvement

3 Rebate Amount

• The rebate applies only to the type of rebate offered to you. (ex. Interest rebates are applicable only to the Interest while Guarantor rebates are only applicable to the Guarantor fee)
• Rebate percentages, if applicable, are determined based on internal program criteria and promotional terms in effect at the time of loan completion.

4 How to Claim the Rebate

• SMS messages are sent only to clients who opt in. Complete your loan in full according to the agreed payment schedule
• Ensure no payment interruptions or issues occurred during the loan term
• Contact our Support team within ninety (90) days from the date of loan completion to claim for the rebate.
• Our team will review your account and confirm eligibility

Approved rebates are issued according to internal processing timelines.

5 Use and Disclosure of Personal Information

Cosign Financial may share client information with authorized parties for the purposes of:

• Loan processing (financial institutions, loan brokers, credit agencies, fraud and risk technology providers)
• Debt collection (agencies, legal representatives)
• Regulatory compliance (government authorities, legal obligations)
• Business operations (marketing, administration, information technology providers, underwriting support, risk assessment services, and model monitoring services)
• Debt Consolidation
• Credit-Rebuilding Companies

6 Important Notes

• Participation in this program is optional
• Rebates are not guaranteed and are subject to eligibility review
• Cannot be claimed when availing the Early Repayment Program
• This program does not reduce your scheduled payment amounts during the loan term
• The rebate does not affect interest calculations or the original cost of borrowing disclosure

7 Why We Offer This Program

We believe responsible repayment should be rewarded. The Surety / Grantor Fee Rebate Program is one way we recognize customers who demonstrate strong repayment behavior throughout their loan.

8 Final Disclosure

The Surety / Grantor Fee Rebate Program is a post‑completion incentive and does not alter the original loan structure, repayment obligations, or payment schedule. All loan terms remain governed by the original loan agreement.

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