In addition, we may collect new fees and fees related to this agreement, your credit account and its operation in accordance with Clause 11 (changes to this Agreement). (j) Repayments of the credit account on which the new draw relates are sufficient to repay the total amount due until the end of the repayment period. A reference to the refunds in this paragraph refers to the higher refunds in effect immediately prior to receipt of your withdrawal request and an amount that we set at the time of the new draw according to our policy and which we then apply to the maximum increase in refunds that we will make after a new draw; We can agree to amend this agreement, postpone or waive these terms without creating a new contract. (a) The interest rate will be our interest rate for variable rate personal loans, which is indicated in the details we published in the Metropolitan Newspaper on a Monday (except Christmas Day) under the title “National Australia Bank Indicator Rates” minus the margin indicated in detail. You can also find out about our indicator prices on 13 22 65 or if you are visiting nab.com.au. (b) if the National Credit Code applies to this agreement and we are not required to make a notice of delay or wait until the delay notice is elapsed before proceedings are opened against you; or (a) if the National Credit Code applies this Agreement and: To the extent that the National Credit Code applies this Agreement, our rights and remedies under this agreement apply in addition to those granted to a credit provider under this legislation. (b) on the occasion or on each anniversary date of the loan amount to which we have lent the loan amount, we can verify the amount of repayments. We will notify you of any changes to your refunds in accordance with paragraph 11 (changes to this Agreement). (a) if you have a fixed annual percentage, we will not change that interest rate for the duration of the loan; and if this agreement gives us discretion, we will exercise that discretion in a reasonable manner and in accordance with our business interests. You will receive a unique e-mail cashing code and instructions on how to exchange your eGift newsletter online within 12-15 weeks of signing your new loan agreement. You must follow the instructions and activate your cashing code within 85 days of receiving your code.
After this point, the exchange code expires and you can no longer use the Bunnings Warehouse eGift Card. Bunnings Warehouse eGift Cards have no expiration date. Please check your eGift card bunnings for usage instructions. The terms and conditions of the Bunnings Warehouse eGift Card are available on the www.bunnings.com.au/online-gift-cards-terms website.