Direct Debit Terms and Conditions prior to 18 December 2019

• a) Will not initiate a direct debit on my/our account unless authorisation is received from me/us in accordance with the terms and conditions agreed between me/us and the Initiator of each amount to be debited from my/our account.

• b) Has agreed to send notice of the net amount of each Direct Debit and the due date of debiting after receiving authorisation from me/us under clause1 (a) but no later than the date the Direct Debit will be initiated. This notice must be provided in writing (including by electronic means and SMS where the Customer has provided prior written consent (including by electronic means and SMS) to communicate electronically) The notice will include the following message:- "The amount $....., was direct debited to your Bank account on (initiating date)."

OR

• a) Has agreed to give advance notice of the net amount of each Direct Debit and the due date of the debiting at least 10 calendar days (but not more than 2 calendar months) before the date when the Direct Debit will be initiated. This notice will be provided in writing (including by electronic means and SMS where the customer has provided prior written consent (including by electronic means and SMS) to communicate electronically): The advance notice will include the following message:- "Unless advice to the contrary is received from you by (date*), the amount of $..., will be directly debited to your Bank account on (initiating date)."

• b) May, upon the relationship which gave rise to this Instruction being terminated, give notice to the Bank that no further Direct Debits are to be initiated under the Instruction. Upon receipt of such notice the Bank may terminate this Instruction as to future payments by notice in writing to me/us.

• c) May, upon receiving written notice (dated after the date of this instruction) from a Bank to which I/we have transferred my/our bank account, initiate Direct Debits in reliance of that written notice and this Instruction from the account identified in the written notice.