1. The Customer will be advised 14 days in advance of any changes to the Direct Debit arrangements.

2. For all matters relating to the Direct Debit Request, including cancellation, alteration or suspension of drawing arrangements or to stop or defer a payment, or to investigate or dispute a previous payment, you should:

-  Call our Customer Information Line on (02) 8923-1600

and / or

-  Send written correspondence outlining the request/issue to:

PO Box 1167 North Sydney NSW

and

-  Allow for 7 working days for the amendments to take effect

If our investigations show that your Account has been incorrectly debited, we will arrange for the Financial Institution to adjust your Account accordingly. We will also notify you in writing of the amount by which your Account has been adjusted. If, following our investigations, we believe on reasonable grounds   that your Account has been correctly debited, we will respond to your query by providing you with reasons and copies of any evidence for this finding. If we cannot resolve the matter, you can still refer it to your Financial Institution, which will obtain details from you of the disputed payment and may lodge a claim on your behalf.

3. The Customer should be aware that:

-  Account details should be checked against a recent statement from your Financial Institution

If you are in any doubt, you should check with your Financial Institution before completing.

4. It is your responsibility to ensure sufficient cleared funds are in the nominated debiting account when the payments are to be drawn.

5. If the due date for payment falls on a non-working day or public holiday, the payment will be processed on the next working day. If the Customer is in any doubt, please refer to the Point 2 for further clarifications.

6. For returned unpaid transactions, the Customer will be contacted by our office to approve an alteration to the agreement by way of:

-  An Increase in the amount of all future Direct Debits

or

-  A one off direct debit of the missed payment and any fees and charges for the returned unpaid transactions.

7. For returned unpaid transactions, the following Fees and charges will apply:

- $35.00 for each declined direct debit.

8. All customer records and account details will be kept private and confidential to be disclosed only at the request of the Customer or Financial Institution in connection with a claim made to an alleged incorrect or wrongful debit.