The document describes MetLife's Customer Loyalty Program (CLP) which rewards loyal customers for referrals. The CLP offers 5 ways to earn income: 1) Direct sales bonuses, 2) Indirect sales or "step" bonuses, 3) Sales target bonuses like cars, 4) Promotion bonuses, and 5) Retail profits from selling products. Members can earn Rs. 500 for each direct referral and Rs. 500 "step" bonus when their left and right teams each gain a new member. Larger bonuses are awarded for meeting sales targets like bikes or cars.