Common use of Your Payments Clause in Contracts

Your Payments. (a) You must pay us all sums due in this agreement on time. If you fail to pay on time, we may take action in accordance with condition 5(a)(i). (b) You authorise us to collect instalments by automated transfer from the Servicing Account. We recommend that you keep sufficient available funds in that account. (c) We may agree to collect the interest and capital repayment elements making up your instalments from separate accounts or (if they are both collected from an account you hold with us) we may show them separately on any related statements. (d) We have a right to vary the timing, frequency, number and amount of your instalments for any reason, including for example: (i) to take account of a change in our systems (provided we will take all reasonable steps to avoid any disadvantage to you as a result); or (ii) where we reasonably believe that you will not be able to make your repayments in accordance with this agreement (for example if you are experiencing temporary financial difficulties), provided that we will always exercise our rights under this condition 4(d) in a reasonable and proportionate way. (e) You may repay the Loan (or any part of it) early. You cannot redraw anything you have paid off. We will use any partial repayments to reduce the total amount outstanding in relation to the Loan. If your interest rate is fixed we will reduce the term of your Loan and if your interest rate is variable we will reduce the amount of your regular instalments. (f) You must pay us the Arrangement Fee specified in this agreement when we provide the Cash Loan or immediately after telling us you no longer want the Cash Loan. You must pay any Legal Fees and Valuation Fee specified in this agreement when they become due (which is normally when we provide the Cash Loan but may be later when they are due to a third party), even if you do not draw the Cash Loan or we do not provide it. Except where you exercise your right of withdrawal. Fees are not refundable if this agreement ends early. (g) If any Fees are indicated within this agreement as ‘estimated’, they are based on equivalent fees we typically charge other borrowers around the time we enter into this agreement, but the actual amounts we will debit may turn out to be different. We will let you know in advance the details of the actual amounts we will debit. (h) If you fail to pay an instalment in full and on time, and any part of that amount has not been paid by the time we calculate your next instalment amount, we may (at our discretion): • increase the amount of that next instalment and each of your remaining regular instalments proportionally to ensure that the full balance of the Loan is repaid within the agreed term; • extend the term of your Loan; or • increase the amount of your final instalment. This does not affect our right to take action in accordance with condition 5(a)(i). (i) We will apply any payments we receive from you against any interest before any other amounts on your account, including the outstanding capital of your Loan. This will not apply to payments made specifically for fees and/or charges or where we collect the interest and capital that make up your repayment from separate accounts.

Your Payments. (a) If you have not already paid them, you will pay us the initial or advance payment as soon as we have signed this agreement. (b) Rentals during the hire period are payable in advance as stated on page 1. (c) You must pay us all make each payment including any Value Added Tax on it without any other demand from us. All sums due in under this agreement must be paid on timetime without any set- off or deduction. Punctual payment is essential. If you fail to pay on time, we may take action in accordance with condition 5(a)(i). (b) You authorise us to collect instalments by automated transfer from the Servicing Account. We recommend a rental this will mean that you keep sufficient available funds no longer intend to comply with this Agreement (This is called repudiation). If that happens then we will be entitled to accept this and terminate this Agreement as set out in that account. (c) We may agree to collect the interest and capital repayment elements making up your instalments from separate accounts or (if they are both collected from an account you hold with us) we may show them separately on any related statementsclause 11. (d) We The rentals on page 1 have a right been calculated making assumptions that the rates of tax and of capital allowance we can set against tax, and the rules governing tax and the purposes and uses for which capital allowances can be claimed, remain the same as are known to vary apply on the timing, frequency, number and amount date of this agreement. If they change to our detriment we may adjust your instalments for any reason, including for example: (i) rentals to take account of a put us in the same after-tax position as if the change in our systems (provided we will take all reasonable steps to avoid any disadvantage to you as a result); or (ii) where we reasonably believe that you will had not be able to make your repayments in accordance with this agreement (for example if you are experiencing temporary financial difficulties), provided that we will always exercise our rights under this condition 4(d) in a reasonable and proportionate waybeen made. (e) You may repay also warrant that you are, and will during the Loan (or any part period of it) earlythis agreement remain, tax resident in the United Kingdom and that the Goods will be used during all that period for a purpose that qualifies us to claim capital allowances. You canwill not redraw anything you have paid off. We will use any partial repayments to reduce the total amount outstanding in relation to the Loan. If your interest rate is fixed we will reduce the term of your Loan and if your interest rate is variable we will reduce the amount of your regular instalmentsclaim such allowances yourself. (f) You must pay us the Arrangement Fee specified in this agreement when we provide the Cash Loan or immediately after telling us you no longer want the Cash Loan. You must pay If any Legal Fees and Valuation Fee specified in this agreement when they become due (which is normally when we provide the Cash Loan but may be later when they are due to a third party), even if you sums on page 1 do not draw include VAT, you will pay this additionally. Payments will change if the Cash Loan or we do not provide it. Except where you exercise your right rate of withdrawal. Fees are not refundable if this agreement ends earlyVAT changes. (g) If any Fees are indicated within The rentals on page 1 have been calculated assuming the rate and relevant rules for VAT applying to our sale of the Goods at the end of this agreement are the same as ‘estimated’, they are based on equivalent fees we typically charge other borrowers around known to apply when the time we enter into this agreement, but the actual amounts we will debit may turn out to be differentagreement is made. We will let you know in advance may adjust your rentals if the details VAT rate or rules change so as to reduce our after-tax rate of return for the purchase, hiring or disposal of the actual amounts goods. We can make this adjustment during the hiring or when we will debitcome to dispose of the Goods after the hiring has ended. (h) If we adjust your rentals under clause 2(d) or 2(g) we can either increase the rental shown overleaf immediately, or we can require you fail to pay an instalment in full and on time, and any part of that amount has not been paid by them as a lump sum at or after the time we calculate your next instalment amount, we may (at our discretion): • increase the amount of that next instalment and each of your remaining regular instalments proportionally to ensure that the full balance end of the Loan is repaid within hiring, or we can take part immediately and the agreed term; • extend the term of your Loan; or • increase the amount of your final instalment. This does not affect our right to take action in accordance with condition 5(a)(i)rest later. (i) We You must on demand pay interest calculated on a daily basis on all overdue sums at 3% a month. (j) You must on demand pay our costs resulting from your not complying with this agreement. You must pay a charge of £25 for each unpaid, rejected or cancelled cheque, standing order or direct debit, and for each reminder letter, notice or call we make to you. (k) If you fail to make any payment, or part of any payment, on time we will apply any appropriate anything you pay then or later in the following order: interest under clause 2(i), charges under clause 2(j), arrears of maintenance payments, further maintenance payments, arrears of rentals, further rentals and other payments we receive from you against any interest before any other amounts on your account, including the outstanding capital of your Loan. This will not apply due to payments made specifically for fees and/or charges or where we collect the interest and capital that make up your repayment from separate accountsus.

Your Payments. 3.1 You hereby irrevocably agree to pay to us all amounts of rental payments on the dates described in Section D (aFinance Details) You must of the Hire Purchase Agreement. 3.2 If you have agreed to pay hire purchase charges at a variable rate of interest under Section D (Finance Details) of the Hire Purchase Agreement, you acknowledge that the amount of each rental payment hereunder has been calculated by us with reference to an interest rate quoted or applied by us on the date of this Agreement. If at any time or times during the term of this Agreement any variation occurs in such rate, we may at any time by notice in writing to you vary any or all future rental payments hereunder to reflect that variation and each rental payment will be applied towards the notional interest and principal components of each rental payment as we may from time to time determine. Our books or any certificate given by us in relation to the amount of any rental payment payable hereunder or the application of any rental payment towards notional principal and interest will be final and binding on you. 3.3 If you have agreed to pay rental payments at a fixed rate of interest (described in Section D (Finance Details) of the Hire Purchase Agreement) we may, at our discretion, vary the interest rate applicable to your rental payments by giving you one month’s written notice and we may then vary all future rental payments. 3.4 If any payments are not received by us on or before the due date for payment under this Agreement we may( without prejudice to our other rights under this Agreement) charge you late payment interest at an uncompounded rate of 3% per month (or any other rate notified by us from time to time) to run from day to day on all sums due but unpaid until the date of payment AND the costs, charges, losses or expenses incurred by us ( including reasonable legal expenses) by reason of such late payments or otherwise in this agreement on time. If you fail to pay on time, we may take action in accordance with condition 5(a)(i). (b) You authorise us to collect instalments by automated transfer from the Servicing Account. We recommend that you keep sufficient available funds in that account. (c) We may agree to collect the interest and capital repayment elements making up your instalments from separate accounts or (if they are both collected from an account you hold with us) we may show them separately on any related statements. (d) We have a right to vary the timing, frequency, number and amount of your instalments for any reason, including for example: (i) to take account of a change in our systems (provided we will take all reasonable steps to avoid any disadvantage to you as a result); or (ii) where we reasonably believe that you will not be able to make your repayments in accordance with this agreement (for example if you are experiencing temporary financial difficulties), provided that we will always exercise enforcing our rights under this condition 4(d) in a reasonable and proportionate wayAgreement. (e) You may repay the Loan (or any part of it) early. You cannot redraw anything you have paid off. We will use any partial repayments to reduce the total amount outstanding in relation to the Loan. If your interest rate is fixed we will reduce the term of your Loan and if your interest rate is variable we will reduce the amount of your regular instalments. (f) You must pay us the Arrangement Fee specified in this agreement when we provide the Cash Loan or immediately after telling us you no longer want the Cash Loan. You must pay any Legal Fees and Valuation Fee specified in this agreement when they become due (which is normally when we provide the Cash Loan but may be later when they are due to a third party), even if you do not draw the Cash Loan or we do not provide it. Except where you exercise your right of withdrawal. Fees are not refundable if this agreement ends early. (g) If any Fees are indicated within this agreement as ‘estimated’, they are based on equivalent fees we typically charge other borrowers around the time we enter into this agreement, but the actual amounts we will debit may turn out to be different. We will let you know in advance the details of the actual amounts we will debit. (h) If you fail to pay an instalment in full and on time, and any part of that amount has not been paid by the time we calculate your next instalment amount, we may (at our discretion): • increase the amount of that next instalment and each of your remaining regular instalments proportionally to ensure that the full balance of the Loan is repaid within the agreed term; • extend the term of your Loan; or • increase the amount of your final instalment. This does not affect our right to take action in accordance with condition 5(a)(i). (i) We will apply any payments we receive from you against any interest before any other amounts on your account, including the outstanding capital of your Loan. This will not apply to payments made specifically for fees and/or charges or where we collect the interest and capital that make up your repayment from separate accounts.

Your Payments. 9.1 We will invoice you for the charges in respect of each billing period within 7 days of the start of each billing period. Each invoice will be calculated on the basis of your expected consumption and any other charges which have become payable by you under your contract. Subject to clause 9.4, we may subsequently adjust your charges (up or down) to reflect your actual consumption. 9.2 You must pay the charges shown in each invoice we send to you within 10 days of the date of the invoice. 9.3 If we are unable to obtain a valid meter reading for a site that has been taken immediately before your contract start date, we may estimate the amount of energy supplied to the site from your contract start date until we first read your meter or when your contract ends (whichever is first). 9.4 If we have not invoiced you for any charges in respect of the supply of energy to a site within 12 months of the date you consumed that energy or those charges otherwise arose, we will not invoice you for those charges and you will not have to pay them. This will not apply if we have been unable to invoice you for the correct charges due to any obstructive or unreasonable behaviour on your part. Examples of such behaviour may include circumstances in which: (a) You you have not allowed a meter to be read by us or on our behalf, or if you have attached unreasonable conditions to such access; (b) your meter is not operating correctly, and you have not allowed us to repair or replace it; or (c) you have acted unlawfully and tampered with your meter. 9.5 Unless you pay the charges by Direct Debit, you must pay us all sums due in this agreement on timeinclude your customer account number when you make your payment so that we can allocate it to your account. If you fail to pay on timedo so, we may take action not be able to match your payment to an invoice and we may mistakenly contact you about late payment (see clause 9.9). We reserve the right to charge you an administration fee for allocating your payment in accordance such circumstances, which will be deducted from the payment received. We may allocate payments to whichever debt we consider the most appropriate. For example, we may allocate such payments to the oldest debt you have with condition 5(a)(ius, regardless of the contract under which such debt arose. 9.6 We do not accept payment by cheque and any cheques received by us will be destroyed without affecting your obligation to pay the charges. 9.7 Subject to clause 9.8, all charges must be paid by you in full without any deduction, withholding, set-off or counterclaim, unless required by law, in which case you must inform us of that requirement prior to the due date for payment. 9.8 If you think an invoice is wrong, please contact us promptly and in any event before the due date for payment. You must pay the full amount of the invoice by the due date (unless we tell you otherwise) and continue to pay any subsequent invoices, but we will review your invoice and any information you have provided to us about why you think your invoice is wrong. If, after we have reviewed the matter, we agree that you have been invoiced incorrectly, we will credit any amount owed to you to your customer account or reimburse you for that amount. If we find that any additional amount is owed to us, we will include this in your next invoice. Where we have allowed you to withhold payment of all or part of a disputed invoice and we find that amount is owed to us, it must be paid to us within 5 days of the date on which we informed you of our findings (after this date, clause 9.9 will apply). 9.9 If you do not pay any charges by the due date for payment: (a) we may charge you interest on the overdue amount at the rate prescribed by the Late Payment of Commercial Debts (Interest) Act 1998 (which is currently 8% above the Bank of England base rate); (b) You authorise us to collect instalments by automated transfer from the Servicing Account. We recommend that we may charge you keep sufficient available funds in that account.an administration fee; (c) We all unpaid invoices we may agree to collect the interest and capital repayment elements making up have sent you under your instalments from separate accounts contract (or (if they are both collected from an account any other contract you hold have with us) we may show them separately on any related statements.will become immediately due and payable; (d) We have we may require you to provide credit support in accordance with clause 10 (Your credit support arrangements); and (e) we may share information about your late payment with a right to vary the timing, frequency, number and amount credit reference agency. 9.10 You must reimburse us in full for any losses or costs we incur enforcing any provision of your instalments for contract. If you are struggling to pay your invoices, please get in touch as soon as possible so that we can help to find a solution where possible. You can speak to a member of our Payments team by calling us on 00000 000 000 or contact them through our website at xxx.xxxxxxxxxxx.xxx/xxxxxxx. 9.11 If any reasonamounts are credited to your customer account, these will be shown in your next invoice and we may use them to reduce the amount payable by you under that invoice and (where applicable) any subsequent invoice (including for example: (i) any invoice sent to take you under any other contract between you and us). Where an amount credited to your customer account of a change in our systems (provided exceeds £10, we will take all reasonable steps to avoid any disadvantage refund to you as a result); or (ii) where we reasonably believe on request any such amount that you will has not be able to make your repayments already been allocated in accordance with this agreement (for example if clause 9.11. Otherwise, credit balances will be payable to you are experiencing temporary financial difficulties), provided that we will always exercise our rights under this condition 4(d) in a reasonable and proportionate way. (e) You may repay at the Loan (or any part of it) early. You cannot redraw anything you have paid off. We will use any partial repayments to reduce the total amount outstanding in relation to the Loan. If your interest rate is fixed we will reduce the term end of your Loan and if your interest rate is variable we will reduce the amount of your regular instalments. (f) You must pay us the Arrangement Fee specified in this agreement when we provide the Cash Loan or immediately after telling us you no longer want the Cash Loan. You must pay any Legal Fees and Valuation Fee specified in this agreement when they become due (which is normally when we provide the Cash Loan but may be later when they are due to a third party), even if you do not draw the Cash Loan or we do not provide it. Except where you exercise your right of withdrawal. Fees are not refundable if this agreement ends early. (g) If any Fees are indicated within this agreement as ‘estimated’, they are based on equivalent fees we typically charge other borrowers around the time we enter into this agreement, but the actual amounts we will debit may turn out to be different. We will let you know in advance the details of the actual amounts we will debit. (h) If you fail to pay an instalment in full and on time, and any part of that amount has not been paid by the time we calculate your next instalment amount, we may (at our discretion): • increase the amount of that next instalment and each of your remaining regular instalments proportionally to ensure that the full balance of the Loan is repaid within the agreed term; • extend the term of your Loan; or • increase the amount of your final instalment. This does not affect our right to take action contract in accordance with condition 5(a)(i)clause 15.3. (i) We will apply any payments we receive from you against any interest before any other amounts on your account, including the outstanding capital of your Loan. This will not apply to payments made specifically for fees and/or charges or where we collect the interest and capital that make up your repayment from separate accounts.

Your Payments. 8.1 To purchase credit and/or pay your charges, you must authorise one or more payment methods. You agree to promptly update your payment method details, so we can complete your payment transactions. We may also use any updated information regarding your payment method provided by your issuing bank or the applicable payment network. 8.2 If you wish to discuss changing your preferred payment method, please contact our Customer Services Team on 0330 390 4510 or through our website at xxx.xxxxxxxxxxx.xxx/xxxxxxx. Agreed changes to your payment method will not take effect before we can reasonably act on your request. We may use any payment method associated with your account if your preferred payment method is declined or no longer available to us for your payment transactions. 8.3 By providing us with, or otherwise authorising, a payment method, you (a) confirm that you are authorised to use the payment method and that any payment information you provide is true and accurate, (b) authorise us to collect payments in accordance with your payment plan using your payment method, and (c) authorise us to collect any other charges using your payment method as they become due. You remain responsible for any uncollected amounts. 8.4 If your payment plan involves the collection of payments towards a credit balance at regular intervals using your payment method, the initial amounts are set out in your welcome pack and reflect your expected consumption between payments. We may adjust these amounts (up or down) or the length of intervals between payments to reflect changes in your consumption of energy, but we will tell you in advance if we intend to do this. 8.5 If you are required to maintain a credit balance, unless you ask us not to do so, we will collect an emergency payment towards your credit balance using your payment method if we reasonably believe your credit balance will run out in 15 days or less. This will normally be an amount equal to your charges for your expected consumption and a period of 28 days. We may change the point in time when such payments may be collected, or how we calculate the amount to be collected, where reasonably necessary, but we will tell you in advance if we intend to do this. If you ask us not to collect these payments, you will be solely responsible for maintaining your credit balance between scheduled payment collections (if any). 8.6 If you are required to maintain a credit balance, you may check your credit balance at any time using our app and make top up payments using your payment method whenever you like. 8.7 If you are required to maintain a credit balance, we will make a VAT invoice available to you through our app, following the end of each month, for your charges in that month. The invoice will state whether those charges have been paid in full and whether any amount remains outstanding. Any outstanding amounts will be due and payable on the day the invoice is issued. 8.8 Unless clause 8.7 applies, we will invoice you at regular intervals, in accordance with your payment plan, or as reasonably necessary. You must pay the charges shown in each invoice within 10 days of the date of the invoice, unless otherwise agreed in writing with us. 8.9 If we have not made a deduction from your credit balance, or invoiced you, for any charges in respect of the supply of energy to a site within 12 months of the date you consumed that energy or those charges otherwise arose, we will not make a deduction, or invoice you, for those charges and you will not have to pay them. This will not apply if we have been unable to make a deduction, or invoice you, for the correct charges due to any obstructive or unreasonable behaviour on your part. 8.10 Subject to clause 8.11, all charges must be paid by you in full without any deduction, withholding, set-off or counterclaim, unless required by law, in which case you must inform us of that requirement prior to the due date for payment. 8.11 If you think an invoice is wrong, please contact us promptly and in any event before the due date for payment. You must pay the full amount of the invoice by the due date (unless we tell you otherwise) and continue to pay any subsequent invoices, but we will review your invoice and any information you have provided to us about why you think your invoice is wrong. If, after we have reviewed the matter, we agree that you have been invoiced incorrectly, we will credit or reimburse any amount owed to you. If we find that any additional amount is owed to us, we will deduct this from your credit balance (if you have one) or issue a new invoice. Where we have allowed you to withhold payment of all sums or part of a disputed invoice and we find that amount is owed to us, it must be paid to us within 5 days of the date on which we informed you of our findings (after this date, clause 8.12 will apply). 8.12 If you do not pay any charges by the due date for payment: (a) we may charge you interest on the overdue amount at the rate prescribed by the Late Payment of Commercial Debts (Interest) Xxx 0000; (b) we may charge you an administration fee; (c) all unpaid invoices we may have sent you under your contract (or any other contract you have with us) will become immediately due and payable; (d) we may require you to agree a new payment plan, provide credit support, maintain a minimum credit balance or authorise a new payment method in this agreement on timeaccordance with clause 9; and (e) we may share information about your late payment with a credit reference agency. 8.13 You must include your customer account number when you make any payment to us by bank transfer, so that we can allocate it to your account. If you fail to pay on timedo so, we may take action in accordance with condition 5(a)(i). (b) You authorise us to collect instalments by automated transfer from the Servicing Account. We recommend that you keep sufficient available funds in that account. (c) We may agree to collect the interest and capital repayment elements making up your instalments from separate accounts or (if they are both collected from an account you hold with us) we may show them separately on any related statements. (d) We have a right to vary the timing, frequency, number and amount of your instalments for any reason, including for example: (i) to take account of a change in our systems (provided we will take all reasonable steps to avoid any disadvantage to you as a result); or (ii) where we reasonably believe that you will not be able to make match your repayments in accordance with this agreement (for example if you are experiencing temporary financial difficulties), provided that we will always exercise our rights under this condition 4(d) in a reasonable and proportionate way. (e) You may repay the Loan (or any part of it) early. You cannot redraw anything you have paid off. We will use any partial repayments payment to reduce the total amount outstanding in relation to the Loan. If your interest rate is fixed we will reduce the term of your Loan and if your interest rate is variable we will reduce the amount of your regular instalments. (f) You must pay us the Arrangement Fee specified in this agreement when we provide the Cash Loan or immediately after telling us you no longer want the Cash Loan. You must pay any Legal Fees and Valuation Fee specified in this agreement when they become due (which is normally when we provide the Cash Loan but may be later when they are due to a third party), even if you do not draw the Cash Loan or we do not provide it. Except where you exercise your right of withdrawal. Fees are not refundable if this agreement ends early. (g) If any Fees are indicated within this agreement as ‘estimated’, they are based on equivalent fees we typically charge other borrowers around the time we enter into this agreement, but the actual amounts we will debit may turn out to be different. We will let you know in advance the details of the actual amounts we will debit. (h) If you fail to pay an instalment in full and on time, and any part of that amount has not been paid by the time we calculate your next instalment amount, we may (at our discretion): • increase the amount of that next instalment and each of your remaining regular instalments proportionally to ensure that the full balance of the Loan is repaid within the agreed term; • extend the term of your Loan; or • increase the amount of your final instalment. This does not affect our right to take action in accordance with condition 5(a)(i). (i) We will apply any payments we receive from you against any interest before any other amounts on your account, including in which case your site(s) may be disconnected and we may mistakenly contact you about late payment. We reserve the outstanding capital right to charge you an administration fee for allocating your payment in such circumstances, which will normally be deducted from the payment received. 8.14 We do not accept payment by cheque and any cheques received by us will be destroyed without affecting your obligation to pay the charges. 8.15 You must reimburse us in full for any losses or costs we incur enforcing any provision of your Loancontract. This will not apply If you are struggling to payments made specifically for fees and/or charges pay your charges, please get in touch as soon as possible so that we can help to find a solution. You can speak to a member of our Payments Team by calling us on 00000 000 000 or where we collect the interest and capital that make up your repayment from separate accountscontact them through our website at xxx.xxxxxxxxxxx.xxx/xxxxxxx.

Your Payments. 3.1 You hereby irrevocably agree to pay to us all amounts of rental payments on the dates described in Section D (aFinance Details) You must of the Hire Purchase Agreement. 3.2 If you have agreed to pay hire purchase charges at a variable rate of interest under Section D (Finance Details) of the Hire Purchase Agreement, you acknowledge that the amount of each rental payment hereunder has been calculated by us with reference to an interest rate quoted or applied by us on the date of this Agreement. If at any time or times during the term of this Agreement any variation occurs in such rate, we may at any time by notice in writing to you vary any or all future rental payments hereunder to reflect that variation and each rental payment will be applied towards the notional interest and principal components of each rental payment as we may from time to time determine. Our books or any certificate given by us in relation to the amount of any rental payment payable hereunder or the application of any rental payment towards notional principal and interest will be final and binding on you. 3.3 If you have agreed to pay rental payments at a fixed rate of interest (described in Section D (Finance Details) of the Hire Purchase Agreement) we may, at our discretion, vary the interest rate applicable to your rental payments by giving you one month’s written notice and we may then vary all future rental payments. 3.4 If any payments are not received by us on or before the due date for payment under this Agreement we may( without prejudice to our other rights under this Agreement) charge you late payment interest at an uncompounded rate of 3% per month (or any other rate notified by us from time to time) to run from day to day on all sums due but unpaid until the date of payment AND the costs, charges, losses or expenses incurred by us ( including reasonable legal expenses) by reason of such late payments or otherwise in enforcing our rights under this agreement on timeAgreement. 3.5 You and the Dealer hereby authorise and request the Lender to remit payment to the Dealer for the purpose of financing the purchase of the Goods by you. If you fail there is any amount which requires remittance by the Lender, the Lender shall pay that amount directly to the Dealer by way of bank transfer or issue of cheque. The Hirer and the Dealer hereby/authorise the Lender to apply the amount of credit to settle the Instalment in advance as specified in Section D of the agreement. 3.6 You hereby acknowledge that it is customary in the leasing or hire-purchase business for an owner to pay on timecommission relating to the supply of goods under a finance lease or hire-purchase agreement and therefore you hereby agree and consent to paying a commission, fees or other remuneration (as the case may be) to any third party in connection with this Agreement. You confirm and acknowledge that any third party which submitted this Agreement to us, or who conducted any prior negotiations with us, is and was not your agent for any purpose. You hereby acknowledge and expressly agree that if this Agreement is terminated pursuant to Clauses 6 hereof, we shall be entitled to charge you for the amount of such commission, fees or other remuneration (as the case may take action be) paid by us in relation to the Goods and this Agreement which is not reflected in the Amount Due on Termination or deduct the same from any amount due to you/by you. 3.7 If this Agreement is a Full Circle Agreement, you are required to pay to us the Guaranteed Future Value and any fees, repair costs and excess mileage charges calculated in accordance with condition 5(a)(i). (b) You authorise us to collect instalments by automated transfer from the Servicing Account. We recommend that you keep sufficient available funds in that account. (c) We may agree to collect the interest and capital repayment elements making up your instalments from separate accounts or Fair Wear & Tear Guide (if they are both collected from an account you hold with usapplicable) we may show them separately on any related statements. (d) We have a right to vary the timing, frequency, number and amount of your instalments for any reason, including for example: (i) to take account of a change in our systems (provided we will take all reasonable steps to avoid any disadvantage to you as a result); or (ii) where we reasonably believe that you will not be able to make your repayments at such times in accordance with this agreement (for example if Agreement and in such manner as you are experiencing temporary financial difficulties)may from time to time specify; and, provided that we will always exercise our rights under this condition 4(d) in a reasonable and proportionate way. (e) You may repay the Loan (or any part of it) early. You cannot redraw anything you have paid off. We will use any partial repayments to reduce the total amount outstanding in relation to the Loan. If your interest rate is fixed we will reduce the term of your Loan and if your interest rate is variable we will reduce the amount of your regular instalments. (f) You must pay us the Arrangement Fee specified in this agreement when we provide the Cash Loan or immediately after telling us you no longer want the Cash Loan. You must pay any Legal Fees and Valuation Fee specified in this agreement when they become due (which is normally when we provide the Cash Loan but may be later when they are due to a third party)once paid, even if you do not draw the Cash Loan or we do not provide it. Except where you exercise your right of withdrawal. Fees these amounts are not refundable if this agreement ends early. (g) If under any Fees are indicated within this agreement as ‘estimated’, they are based on equivalent fees we typically charge other borrowers around the time we enter into this agreement, but the actual amounts we will debit may turn out to be different. We will let you know in advance the details of the actual amounts we will debit. (h) If you fail to pay an instalment in full and on time, and any part of that amount has not been paid by the time we calculate your next instalment amount, we may (at our discretion): • increase the amount of that next instalment and each of your remaining regular instalments proportionally to ensure that the full balance of the Loan is repaid within the agreed term; • extend the term of your Loan; or • increase the amount of your final instalment. This does not affect our right to take action in accordance with condition 5(a)(i). (i) We will apply any payments we receive from you against any interest before any other amounts on your account, including the outstanding capital of your Loan. This will not apply to payments made specifically for fees and/or charges or where we collect the interest and capital that make up your repayment from separate accounts.circumstances;