*The small, small print: 1. The person referring the third party for a personal loan or home loan must be a Bank of us customer. 2. The third party who is being referred must not have an existing Bank of us home or personal loan. 3. The personal loan or home loan must be arranged with Bank of us directly. Registered intermediaries of Bank of us and Bank of us staff members and their families are not eligible to participate in this promotion. 4. The referral must be received by Bank of us at the time of application. Only one referral will be accepted per application. 5. Personal loan amount must be $10,000 or over. Home loan amount must be $50,000 or over. 6. The $50 Coles Myer gift cards will be sent out within 21 days of the loan being funded. 7. This is a limited offer and may be altered or withdrawn by Bank of us at any time and without notice. All loans are subject to our standard assessment criteria.