accounts@activedebtrecovery.com.au 1300 853 231

Authority to Act on Your BehalfWe are ready to act for you; the current legislation requires you to sign and return this form to us before we can begin. Please sign and return this agreement as soon as you receive it so that we can start to act for you immediately.

It should take just 2 minutes...

I acknowledge that this Agreement is subject to the following Terms and Conditions at www.activedebtrecovery.com.au.

By signing and providing us with a valid instruction in relation to your direct debit request, you have understood and agreed to the terms and conditions governing the debit arrangement between you and Active Debt Recovery Australia Pty Ltd as set out in this Authority and in your Direct Debt Request Service Agreement. EXECUTED as an agreement by:

ADRA’s Authorised Officer

Name

Signature

Title

Date

Client’s Authorised Officer

Name

Signature*

Title

Date

Term of Appointment

Receivable Management Services

Return Methods

Type

Service Fees

Note: The appointment may be revoked on the giving of 90 days notice in writing, or the lesser period (of at least 30 days) as agreed by both parties. Refer to our Terms and Conditions.

Commence Date

End Date

Your Details

Your Principal Contact

Legal Name

Contact Name

Trading Name

Position

ABN

Mailing Address

Email

Phone

Suburb P/CodeState

Mobile

Your Bank Account Details

Account Name

Note: Your bank account details are required to process transactions to and from you. By providing them and signing the Engagement Agreement you request and authorise Active Debt Recovery Australia Pty Ltd (314011) to arrange a debit to your account of any amount payable by you as well as to deposit monies owed to you from the debt recovery/collection actions. Debits or credits will be made through the Bulk Electronic Clearing System (BECS) to your account held at the financial institution you have nominated above and will be subject to the terms and conditions of the Direct Debit Service which you acknowledge you have read.

BSB

Account No.

Authority to Act on Your Behalf

Call 1300 853 230 | www.activedebtrecovery.com.au

*Legislation requires a physical signature.

accounts@activedebtrecovery.com.au 1300 853 231

Service and Fee Schedule

Call 1300 853 230 | www.activedebtrecovery.com.au

COMMISSIONS, FEES & CHARGES

PAYMENT DETAILS

SERVICE DETAILS

Commission is payable on the amount recovered from the debtor at the applicable rate. The applicable rate is based on the instructed debt value not the amount recovered. ie. If the debt value is $15,000 and we recover $5,000 then the applicable rate is 20% of $5,000.

We provide Debt Recovery Services.

Commissions and deductions are payable on the receipt of a Tax Invoice or by offset from Trust Account receipts.

Rates Standard

Over $50,000 15%

$10,001 - $50,000 20%

$5,001 - $10,000 25%

$1,001 - $5,000 30%

Under $1,001 35%

Note: GST is applicable to the above rates.Debts under $500 are accepted at our discretion, 15%+GST will be added to the above Commission Rates. Debts that are older than 12 months from their invoice date, 10%+GST will be added to the above Commission Rates.

SPECIAL ACTIONS WE MAY TAKE DURING COLLECTION

We use advanced databases and search techniques. We are licensed to access property databases, Credit Reporting, other public records and social media.

Skip Trace Enquiry $45 - $135+GST

We can act as a mediator and/or broker between the parties to deliver a faster, more favourable dispute settlement than a hard-nosed collection process alone will produce. We are experts in getting you paid. Disputes exceeding one hour are charged in 6 minute increments.

Dispute Resolution Assistance $195+GST/hr

We can make payment arrangements with you debtors with your approval. We will then monitor and enforce each payment. An additional $2.20+GST is applicable for each payment processed.

Payment Arrangement $9.90+GST/Setup

We may have an option to place a 5-year default mark on your debtor’s credit file. This has tangible consequences for any debtor and is a big incentive for them to pay the debt and clear their name.

Commercial Credit Default Listing $140+GST

We may have an option to make a licencing complaint against the debtor for non-payment with some governing authorities. This can affect the debtor’s licence.

Licencing Infringement Complaint $125+GST

Costs will be quoted to you at this point and you can choose whether or not you wish to proceed.

Court Action Quoted

We engage a solicitor on your behalf and advise that the matter can escalate to a Court proceeding. This works because the debtor wants to avoid a permanent record.

Solicitors Legal Engagement Notice $80+GST

We can arrange a Face to Face Visit by our licenced Field Call Agent to make demand for payment in person. We can explain what may happen to them next if payment is not made and shows that you will not be giving up on pursuing the debt.

Face to Face Visit $145+GST

We can commence enforcement proceedings by making demand for payment and preparing and sending the debtor the required Statement of Financial Means so that enforcement options become available by the Court.

Enforcement Notice $195+GST

We will arrange a summons to an Enforcement Hearing and Warrants to seize property or redirect earnings to pay the debt.

Enforcement Hearing & Warrants Quoted

It’s important to note that most debts get paid using our standard collection techniques, however in some cases, Special Actions may be required. Pre-payment of Special Action fees may be applicable. You will be contacted prior to a Special Action commencing.

Definitions1. In this Contract, unless the context clearly indicates

otherwise:a. ADRA means ACTIVE DEBT RECOVERY AUSTRALIA PTY

LTD ABN 43 930 950 531.b. CLIENT means the party completing the Appointment

and Engagement Agreement. c. Commencement Date is the date on which the

Appointment and Engagement Agreement is signed by the CLIENT.

d. Commission means the fee payable to ADRA in return for the work to collect an outstanding debt. Commission is payable by the CLIENT on any monies received by ADRA or paid directly by the debtor or on behalf of the debtor to the CLIENT in relation to the debt and is calculated at the prevailing commission rates at the time of invoicing.

e. Debt means a legitimate charge incurred by a debtor for goods or services which has become the subject of collection action.

f. Debtor means the person(s) or corporate entity that has incurred a debt with the CLIENT.

g. Deductions mean but not limited to, special actions charges listed in the Fee Schedule as at the prevailing rates at the time of invoicing, solicitor charges, court charges, enforcement charges, office charges, search fees, disbursements and bank fees charged on Bpay, credit card transactions, EFTs and foreign currency payments received, which are legitimately incurred on behalf of or by the CLIENT and which are calculated at the prevailing rates. Deductions are payable by the CLIENT when any monies are received by ADRA or paid directly by the debtor or on behalf of the debtor, either past or present to the CLIENT until the deduction is fully paid. Deductions are payable in full before commission.

h. Fee Schedule means the accompanying list of service actions and their associated fees.

i. Services means debt collection activities including but not limited to payment demands, skip trace actions, credit default actions, solicitors actions and enforcement actions.

j. Statement Date means Friday of week or prior at the discretion of ADRA.

Interpretation2. In this Contract unless the context clearly indicates

otherwise:a. a reference to legislation or a legislative provision

includes any statutory modification, or substitution of that legislation or legislative provision and any subordinate legislation issued under that legislation or legislative provision;

b. a reference to the introduction, a clause, schedule or annexure is a reference to the introduction, a clause, a schedule or an annexure to or of this Contract;

c. clause headings and the table of contents are inserted for convenience only and do not form part of this Contract;

d. the agreement form, introduction, schedules (if any) and annexures (if any) form part of this Contract;

e. a reference to a party shall include reference where applicable to its heirs, successors in title, executors, administrator, receiver or liquidator.

Commencement of Agreement3. The CLIENT acceptance shall be effective only when it’s

Appointment and Engagement Agreement form is received by ADRA by mail, email or facsimile.

Authority to Receive Monies in Trust4. The CLIENT gives ADRA authority to direct and accept the

CLIENT’s debtor receipts into ADRA’s trust account on the CLIENT’S behalf, unless agreed otherwise in writing.

Fee Schedule5. The Fee Schedule is fixed at the Commencement date and

may be amended from time-to-time by ADRA and notified to the CLIENT in writing.

Provision of Services6. From the date of instructing ADRA to pursue a debt to

the date the debt is paid in full, the CLIENT does so on an exclusive basis and agrees:a. That no other collection agency will be instructed to

pursue the same debt. b. That ADRA shall be entitled to charge commission and

relevant deductions to the CLIENT on any monies paid directly by the debtor or on behalf of the debtor to the CLIENT in relation to the debt.

c. That ADRA shall be entitled to charge commission and relevant deductions to the CLIENT no matter whose actions or who paid for those actions that results in monies being received from the debtor. This includes but is not limited to actions by Lawyers, Agents, Courts, Tribunals, Bailiffs and the CLIENT.

d. If ADRA advises that they cannot continue to actively pursue the debt based on commercial reasons, this does not affect the enforcement of clauses 6, 6(a), (b) and (c).

7. The CLIENT covenants that the details of a debt supplied are true and correct and include all information relevant to the debt. Should ADRA suffer loss or expense due to misleading, false or insufficient details being supplied by the CLIENT, the CLIENT agrees to indemnify ADRA in full for such loss or expense.

8. The CLIENT expressly authorises ADRA to perform all acts reasonably necessary to collect a debt including legal and enforcement action. ADRA’s can instruct its choice of legal specialists to carry out part or all of the collection process. In the event a legal specialist is appointed to purse the debt the CLIENT authorises the direction of monies recovered from debtors into ADRA’s trust account.

9. In the event where ADRA initiates legal or enforcement action on the CLIENT’s request, it may do so at it’s cost in the first instance and shall be entitled to deduct from monies recovered from the debtor or invoice the legal cost and disbursements incurred on request by the CLIENT.

10. The CLIENT expressly authorises ADRA to perform all acts reasonably necessary to collect a debt including skip tracing searches, credit defaults, solicitor actions, enforcement actions and dispute resolution. In the event where ADRA initiates these actions, it may do so at its cost in the first instance and shall be entitled to deduct from monies recovered from the debtor at the prevailing rates.

11. The CLIENT can authorise ADRA to collect the CLIENT’s costs of collection action (debt collection charges, legal, interest and other third party costs) to the debtor, where the CLIENT has determined that they have the right to do so under a written agreement with the debtor and has informed ADRA in writing. When costs of collection are added (‘added collection costs’) to the debt by the CLIENT agrees that:

a. The CLIENT will invoice the debtor for the collection costs.

b. All monies paid by the debtor are allocated first to the debt before any added collection costs.

c. Commission and deductions are payable by the CLIENT on any monies received by ADRA or paid directly by the debtor or on behalf of the debtor to the CLIENT even if the added collection costs are not recovered or paid by the debtor.

d. ADRA will always endeavour to recovery the added collection costs; however ADRA is not responsible for the non-recovery or payment of the added collection costs. Non-recovery or payment does not affect the amount of commission or deductions payable by the CLIENT.

e. Commission is not payable on the added collection costs.f. The CLIENT not ADRA are recovering or attempting to

recover from a debtor the collection costs.g. ADRA will receive no benefit from the recovery of the

CLIENT’s collection costs from the debtor.12. During the time period ADRA is acting for the CLIENT, the

CLIENT covenants that ADRA acts exclusively on the debt and the CLIENT or its agents shall not negotiate with nor contact the debtor nor accept less than total payment directly from the debtor. In the event where the CLIENT breaches this clause ADRA shall be entitled to charge commission and deductions as if the debt had been paid in full.

Payments13. After collection action begins ADRA will on the next

Statement Date forward to the CLIENT a sum equivalent to any monies received on behalf of the CLIENT less any commission and deductions due, calculated according to prevailing rates.

14. The CLIENT irrevocably authorises ADRA to transfer from ADRA’s trust account to ADRA’s general account any

commission and/or deductions due at the Statement Date.15. The CLIENT covenants that the CLIENT will notify ADRA

within one working day of a debt having been paid in whole or in part, whether paid directly by the debtor or on behalf of the debtor. Further, the client agrees that ADRA shall be entitled to charge commission and relevant deductions to the CLIENT.

16. In the event where the CLIENT accepts a return of goods, other goods or services, offset or credit in satisfaction of a debt, ADRA shall be entitled to charge commission based on the original debt value allowed by the CLIENT to the debtor, plus other deductions.

17. The CLIENT’S instructions to ADRA to recover a debt pursuant to this agreement commences from the date of receipt of instructions by ADRA and should the CLIENT thereafter at any time instruct ADRA whether expressly or by conduct (thirty days (30) of non-response to ADRA communication) to terminate recovery proceedings for any reason whatsoever ADRA shall be entitled to charge commission and deductions as at the date of termination regardless of the ultimate outcome of further recovery collection action as if the debt has been paid in full.

18. Unless otherwise specifically stated, all commission rates, prices and amounts listed are exclusive of GST.

19. All GST levied by the Commonwealth Government on ADRA’S commission shall be borne by the CLIENT and ADRA shall provide a Tax Invoice. Payment is due on receipt of invoice.

20. In the event that the CLIENT fails to pay ADRA’s invoice by the due date: a. ADRA is entitled to suspend all further performance of

the services for the CLIENT until payment is made in full on all outstanding invoices; and

b. ADRA is entitled to charge interest at the Penalty Interest rate of 15% pa on all overdue amounts (including late payment charges and amounts other than the service fee), calculated daily on all monies due but unpaid. Payments received from the CLIENT will be credited first against any interest charge and all such charges shall be payable on demand; and

c. In the event that the CLIENT’S payment is dishonoured for any reason the CLIENT shall be liable for any dishonour fees incurred by ADRA; and

d. The CLIENT will pay or reimburse to ADRA any costs or expenses incurred by it or its legal advisers and other parties acting on ADRA’s behalf;

e. The CLIENT understands that information may be exchanged on any overdue accounts, loan repayments, and/or any outstanding monies owing which are overdue by more than sixty (60) days, and may include notifying other credit providers of a default by the CLIENT, as well as information about the CLIENT’S creditworthiness or credit history that credit providers are allowed to exchange under the Privacy Act 1988.

Terms & Conditions

Call 1300 853 230 | www.activedebtrecovery.com.au

Terms & Conditions

Call 1300 853 230 | www.activedebtrecovery.com.au

Limitation of Liability21. Both parties warrant that they will not act in any manner

which may besmirch the name and reputation of the other.22. The CLIENT indemnifies, and will hold harmless, ADRA

and its officers, employees, shareholders, agents and contractors (those indemnified) from and against any and all damages that those indemnified may sustain or incur arising from or in connection with this agreement.

23. The CLIENT agrees that ADRA shall not under any circumstances be liable for any claim, loss or damage sustained or incurred by the CLIENT or any other party arising in any way as a result of the performance or non-performance of the Services or part thereof.

24. The CLIENT warrants that they have assessed the suitability of the Services for their purpose, and any advice, recommendation, information or representation given or provided by ADRA as to the quality or performance of the Services or their suitability for a particular purpose or otherwise in relation to the Services shall be accepted by the CLIENT at its own risk and without any liability or responsibility on the part of ADRA.

25. ADRA recommends that you obtain independent legal advice from your independent legal practitioner as to whether our Services are appropriate. ADRA does not and is not qualified to give legal advice.

26. The provision of Services does not confer on the CLIENT any license or rights under any patents, trademarks or copyright, which is the property of ADRA or any other person.

27. ADRA shall be bound by no covenants, representations or warranties other than those specified in this Agreement.

Right of Refusal28. ADRA reserves the right to refuse to act as agent against

any one or more debtors and may at any time by notice in writing; cease to act for the CLIENT in relation to any debt.

Waiver29. The failure of ADRA to enforce any right or part of any right

under the Contract shall not be considered a waiver of that right or part of a right and shall not prevent ADRA enforcing that right or part of a right in the future.

Dispute Resolution30. The CLIENT agrees that if any dispute arises over any form

or instruction (including any question of identity, authority or any telephone, facsimile, computer or e-mail order) issued by the CLIENT, the internal records of ADRA will be conclusive evidence of what was instructed or recorded by the CLIENT.

Notices31. A notice or other communication required or permitted

to be given by a party to another shall be in writing and delivered personally or sent by pre-paid post or facsimile or email to that party’s address or facsimile number or email as notified in writing to each party from time to time.

32. A notice or other communication is deemed given if: a. Personally delivered, upon delivery;b. Mailed, on the expiration of two business days after posting;c. Sent by facsimile, on confirmation of successful

dispatch by the sender machine, ord. Sent by email.

Privacy 33. Subject to the Privacy Act 1988, ADRA may collect, use

or disclose CLIENT information to agents, contractors and other third parties. In particular, these may include debtors, mailing houses, debt collection / mercantile agents, archivers, valuers, call-centre operators, solicitors, accountants, process servers, bailiffs, funders, securitisers and assignees. The CLIENT expressly authorises such collection and disclosure.

Jurisdiction34. This Agreement is deemed to be made in the State of

Queensland and the relevant Queensland Court hereunder shall determine all disputes.

Direct Debit Request (DDR) Agreement35. This is your Direct Debit Service Agreement with ACTIVE

DEBT RECOVERY AUSTRALIA PTY LTD (314011) 43 930 950 531. It explains what your obligations are when undertaking a Direct Debit arrangement with us. It also details what our obligations are to you as your Direct Debit provider.

36. Please keep this agreement for future reference. It forms part of the terms and conditions of your Direct Debit Request (DDR) and should be read in conjunction with your DDR authorisation.

How to Contact Us37. You can contact us directly or alternatively contact your

financial institution. These should be made at least 7 working days prior to the next scheduled drawing date.

38. You may contact us as follows:Phone: 1300 853 230Email: support@activedebtrecovery.com.auMail: Locked Bag 10 GCMC QLD 9726

39. All communication addressed to us should include your Customer Number.

Definitions40. In this agreement, unless the context clearly indicates

otherwise:a. account means the account held at your financial

institution from which we are authorised to arrange for funds to be debited.

b. agreement means this Direct Debit Request Service Agreement between you and us.

c. banking day means a day other than a Saturday or a Sunday or a public holiday listed throughout Australia.

d. debit day means the day that payment by you to us is due.

e. debit payment means a particular transaction where a debit is made.

f. direct debit request means the Direct Debit Request between us and you.

g. us or we means ACTIVE DEBT RECOVERY AUSTRALIA PTY LTD, (314011)) you have authorised by requesting a Direct Debit Request.

h. you means the customer who has signed or authorised by other means the Direct Debit Request.

i. your financial institution means the financial institution nominated by you on the DDR at which the account is maintained.

Debiting your account41. By signing a Direct Debit Request or by providing us with

a valid instruction, you have authorised us to arrange for funds to be debited from your account. You should refer to the Direct Debit Request and this agreement for the terms of the arrangement between us and you. We will only arrange for funds to be debited from your account as authorised in the Direct Debit Request. We will only arrange for funds to be debited from your account if we have sent to the address nominated by you in the Direct Debit Request, a billing advice which specifies the amount payable by you to us and when it is due. If the debit day falls on a day that is not a banking day, we may direct your financial institution to debit your account on the following banking day. If you are unsure about which day your account has or will be debited you should ask your financial institution.

Amendments by us42. We may vary any details of this agreement or a Direct Debit

Request at any time by giving you at least fourteen (14) days written notice.

Amendments by you43. You may change, stop or defer a debit payment, or

terminate this agreement by providing us with at least 7 days notification by writing to Locked Bag 10 GCMC QLD 9726 or by telephoning us on 1300 853 230 during business hours or arranging it through your financial institution, which is required to act promptly on your instructions.

Your obligations44. It is your responsibility to ensure that there are sufficient

clear funds available in your account to allow a debit payment to be made in accordance with the Direct Debit Request. If there are insufficient clear funds in your account to meet a debit payment:a. you may be charged a fee and/or interest by your

financial institution;b. you may also incur fees or charges imposed or

incurred by us; andc. you must arrange for the debit payment to be made by

another method or arrange for sufficient clear funds to be in your account by an agreed time so that we

can process the debit payment. You should check your account statement to verify that the amounts debited from your account are correct.

Dispute45. If you believe that there has been an error in debiting your

account, you should notify us directly on 1300 853 230 and confirm that notice in writing with us as soon as possible so that we can resolve your query more quickly. Alternatively you can take it up directly with your financial institution. If we conclude as a result of our investigations that your account has been incorrectly debited we will respond to your query by arranging for your financial institution to adjust your account (including interest and charges) accordingly. We will also notify you in writing of the amount by which your account has been adjusted. If we conclude as a result of our investigations that your account has not been incorrectly debited we will respond to your query by providing you with reasons and any evidence for this finding in writing.

Accounts46. You should check:

a. with your financial institution whether direct debiting is available from your account as direct debiting is not available on all accounts offered by financial institutions.

b. your account details which you have provided to us are correct by checking them against a recent account statement; and

c. with your financial institution before completing the Direct Debit Request if you have any queries about how to complete the Direct Debit Request.

Confidentiality47. We will keep any information (including your account

details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information. We will only disclose information that we have about you: - to the extent specifically required by law; or - for the purposes of this agreement (including disclosing information in connection with any query or claim).

Notice48. If you wish to notify us in writing about anything relating to

this agreement, you should write to ACTIVE DEBT RECOVERY AUSTRALIA PTY LTD Locked Bag 10 GCMC QLD 9726. We will notify you by sending a notice in the ordinary post to the address you have given us in the Direct Debit Request. Any notice will be deemed to have been received on the third banking day after posting.Terms and Conditions and DDR Service Agreement last updated 26 May 2015

This information is intended to be a general description of Active Debt Recovery Australia Pty Ltd ABN 43 930 950 531. Before acting on any information, you should consider the appropriateness of it having regard to your particular objectives and financial situation. Active Debt Recovery Australia Pty Ltd recommends that you obtain independent legal advice from your legal practitioner as to whether these products and/or services are appropriate. Active Debt Recovery Australia Pty Ltd is not qualified to give legal advice on these products and/or services. No information set out above

constitutes advice, an advertisement, an invitation, an offer or a solicitation, to purchase any product and/or service. Some products and/or services mentioned may not be suitable for you and may not be available in all jurisdictions. Active Debt Recovery Australia Pty Ltd shall not be liable to any person for any loss or damage of any kind arising from the reliance upon, or in connection with, the use of

these products and/or services. Pricing as at 31 July 2014.

Call 1300 853 230 | www.activedebtrecovery.com.au

QueenslandLicence No. 3545171Phone: 07 3188 5130

Victoria and TasmaniaLicence No. 43930950531

Phone: 03 9988 1110

NSW and ACTLicence No. 411102335

Phone: 02 8999 9380

Western AustraliaLicence No. 5354

Phone: 08 6555 1840

Head OfficeSuite 523, Level 11, 241 Adelaide Street, Brisbane QLD 4000

Locked Bag 10 GCMC QLD 9726Phone: 1300 853 230 | Fax: 1300 853 230