If I'm correct, you will receive 15% off the discounted price, bringing each point to $83.30 each. This is a fantastic deal, I am still considering this option even though we are planning on moving to FL in the next 6 months. Anywho, I believe if your friend refers you, she will receive some sort of benefit, as well as you receiving the great rate of $83.30 per point.
I'm sure others can be much more specific.
Kind regards,
Joyce