Question: what is cross sale referral? 

Answer: Say you come in to a bank and want to open a checking account.  The customer service person does this for you, but he or she will also talk about opening a savings account, getting online access for your account, getting a credit card, and other things.  They are referring other products to you.  If you get the product, they have made a successful referral.  \nThis process is called cross selling, which just means that they try to get you to buy other things while selling you what you came in for.
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