Member direct debit request and service agreement au by liaoqinmei

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									                   Member direct debit request
                     and service agreement
                                                      After-tax contributions
                                You can use this form to set up a direct debit
                              to make regular after-tax contributions from your
                                bank account into your HESTA super account.
611 09/10




            Contact HESTA            Free call 1800 813 327                             hesta@hesta.com.au                                 hesta.com.au
                        H.E.S.T. Australia Limited ABN 66 006 818 695 AFSL No. 235249 HESTA Super Fund ABN 64 971 749 321 SPIN HST0100AU            PAGE 1
Member direct debit service agreement
After-tax contributions
First, make sure that you’ve given HESTA your TFN. We won’t be able to accept your after-tax contributions
unless we have it.

The easiest way to make after-tax contributions to your       1.3 If the debit day falls on a day that is not a business
super is to set up a direct debit from your bank account          day, we may direct your financial institution to debit
into HESTA.                                                       your account on the following business day. If you are
                                                                  unsure about which day your account has been/or will
Please read this Member direct debit service agreement            be debited, you should ask your financial institution.
before completing the Member direct debit request form on
page 4. Keep a copy of this page for your records.
                                                              2. Changes by us
Member direct debit service agreement                         2.1 We may vary any details of this agreement or a
                                                                  Member direct debit request form at any time by
This service agreement explains how your direct debit
                                                                  giving you at least fourteen (14) days written notice.
arrangement with HESTA will work.

Be sure to read it so you understand your obligations and
                                                              3. Changes by you
what you can expect from this arrangement.
                                                              3.1 Subject to 3.2. and 3.3, you may change the
Definitions                                                        arrangements made under a Member direct debit request
                                                                  form by contacting us on free call 1800 813 327.
account means the account held at your financial
institution from which we are authorised to arrange           3.2 If you wish to stop or defer a debit payment, you must
for funds to be debited.                                          notify us in writing at least fourteen (14) days before
                                                                  the next debit day. This notice should be given to us in
agreement means this direct debit service agreement
                                                                  the first instance.
between you and us.
                                                              3.3 You may also cancel your authority for us to debit your
business day means a day other than a Saturday or a
                                                                  account at any time by giving us fourteen (14) days
Sunday or a public holiday listed throughout Australia.
                                                                  notice in writing before the next debit day. This notice
debit day means the day that payment by you to                    should be given to us in the first instance.
HESTA is due.
                                                              3.4 If you wish to change your bank details, you must
debit payment means a particular transaction where                complete a new Member direct debit request form
a debit is made.                                                  and return it to us.

direct debit request means the direct debit request
between HESTA and you.                                        4. Your obligations

us or we means HESTA Super Fund (administered                 4.1 It is your responsibility to ensure there are sufficient
by Superpartners Pty Ltd ABN 57 078 907 883 AFSL                  clear funds available in your account to allow a debit
No.238761).                                                       payment to be made in accordance with the Member
                                                                  direct debit request form.
you or your means the customer who signed the
Member direct debit request form.                             4.2 If there are insufficient clear funds in your account to
                                                                  meet a debit payment:
your financial institution is the financial institution where
you hold the account that you have authorised us to debit.    4.2 a) you may be charged a fee and/or interest by your
                                                                     financial institution

1. Debiting your account                                      4.2 b) you may also incur fees or charges imposed or
                                                                     incurred by us
1.1 By signing a Member direct debit request form, you
    have authorised us to arrange for funds to be debited     4.2 c) you must arrange for the debit payment to be made
    from your account on the 21st of each month. You                 by another method or arrange for sufficient clear
    should refer to the Member direct debit request form             funds to be in your account by an agreed time so we
    and this agreement for the terms of the arrangement              can process the debit payment
    between us and you.
                                                              4.2 d) we may cease further debits.
1.2 We will only arrange for funds to be debited from
    your account as authorised in the Member direct
    debit request form.
                                                                                                                      PAGE 2
4.3 You should check your account statement to                   7.2 We will only disclose information that we have
    verify that the amounts debited from your account                about you:
    are correct.
                                                                 4.2 a) to the extent specifically required by law
4.4 If National Australia Bank Limited ABN 12 004 044 937
    (“National”) is liable to pay goods and services tax         4.2 b) for the purposes of this agreement (including
    (“GST”) on a supply made by the National in                         disclosing any information in connection with
    connection with this agreement, then you agree to                   any query or claim).
    pay the National on demand an amount equal to the
    consideration payable for the supply, multiplied by the
                                                                 8. Notice
    prevailing GST rate.
                                                                 8.1 If you wish to notify us in writing about anything
                                                                     relating to this agreement, write to HESTA at
5. Dispute
                                                                     PO Box 600, Carlton South, VIC 3053.
5.1 If you believe there has been an error in debiting your
                                                                 8.2 We will notify you by sending a notice in the post to the
    account, you should notify us directly on free call
                                                                     address you have given us in the Member direct debit
    1800 813 327 and confirm in writing with us as soon as
                                                                     request form.
    possible so we can resolve your query quickly.
                                                                 8.3 Any notice will be deemed to have been received two
5.2 If we conclude as a result of our investigations that your
                                                                     business days after it is posted.
    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
                                                                 Why HESTA asks for your TFN
    amount by which your account has been adjusted.              By law super funds can only accept personal after-tax
                                                                 contributions if your tax file number (TFN) has been quoted.
5.3 If we conclude as a result of our investigations that
    your account has not been incorrectly debited we will        HESTA is authorised to collect your TFN under the
    respond to your query by providing you with reasons          Superannuation Industry (Supervision) Act 1993 (SIS). This
    and any evidence for this finding.                            notice is to confirm the conditions under which your TFN will
                                                                 be used if you have already provided, or are in the process of
5.4 Any queries you may have about an error made in
                                                                 providing, your TFN to HESTA.
    debiting your account should be directed to us in the
    first instance so we can attempt to resolve the matter        Supplying your TFN is voluntary, and it is not an offence if
    between us and you. If we cannot resolve the matter          you choose not to provide it. However, if you do not, we
    you can still refer it to your financial institution, which   cannot process your direct debit request. HESTA is required
    will obtain details from you of the disputed transaction     by law to take the necessary steps to properly safeguard
    and may lodge a claim on your behalf.                        your TFN, and our intention is to use it only for lawful
                                                                                           #
                                                                 superannuation purposes. HESTA may disclose your TFN
                                                                 to another superannuation provider if your benefits are
6. Accounts
                                                                 transferred, unless you instruct us in writing not to disclose it
6.1 You should check:                                            to any other fund.
                                                                 #
    a) with your financial institution whether direct              Please note: new legislation may result in changes to
       debiting is available from your account, as direct        these purposes.
       debiting is not available on all accounts offered
       by financial institutions
                                                                 Advantages of providing your TFN
    b) that the account details which you have provided
       to us are correct, by checking them against a recent      to HESTA
       account statement
                                                                 • HESTA will be able to accept all types of contributions
    c) with HESTA if you have any queries about how to             to your account.
       complete the Member direct debit request form.
                                                                 • You will not have to pay the top marginal tax/medicare
                                                                   rate (currently 46.5%) on employer contributions made
7. Confidentiality                                                  to your super account/s.

7.1 We will keep any information you supply (including           • No additional tax will be deducted when you start
    your account details) on your Member direct debit              withdrawing your super benefits (other than the tax
    request form confidential. We will make reasonable              usually deducted from super).
    efforts to keep any such information we have about
                                                                 • It will make tracing different super accounts in your name
    you secure and to ensure that any of our employees
                                                                   much easier, so you can combine all your super accounts
    or agents who have access to information about you
                                                                   into one (if you wish) and receive all super benefits due
    do not make any unauthorised use, modification,
                                                                   to you when you retire.
    reproduction or disclosure of that information.
                                                                                                                           PAGE 3
            Member direct debit request
            After-tax contributions
            Use this form to set up a direct debit to make regular after-tax contributions from your bank account
            into your HESTA Super account. Complete all parts of this form in capital letters using a black pen and
            mail to HESTA PO Box 600, Carlton South, VIC 3053
             1      Request and authority to debit                                             2 Financial institution where account is held
            Mark with an X the option that fits your situation.                                 Financial institution name:
            Members must satisfy one of the following criteria to make
            after-tax contributions to their super. If your circumstances
            change, it is important that you contact us immediately.
                                                                                               Postal address:
             X       I am aged under 65 years.                                                 Street no.                Street name

             X       I am aged 65 or over and under 75 years, and have
                     worked at least 40 hours in a period of not more
                     than 30 consecutive days in this financial year.                           Suburb


            Request and authority to debit the account named in                                State                                                           Postcode
            sections 2 and 3 to pay HESTA.
            *Tax file number (see note below):
                                                                                               3       Details of account to be debited
                                                                                               (Direct debit may not be available on the full range of accounts. If in doubt, please
            HESTA member number:                                                               refer to your financial institution.)
                                                                                               Name of account holder:

            Given name/s:
                                                                                               BSB number:

            Title: Ms X Mrs X Miss X Mr X                    Other                             Account number:
            Family name:
                                                                                               Is this request to override an existing direct debit
            Postal address:                                                                    arrangement with HESTA?
            Street no.            Street name
                                                                                                        Yes                      No

            Suburb
                                                                                               PLEASE NOTE: Credit card payments cannot be accepted.
                                                                                               4       Direct debit instruction
            State                                                  Postcode                    Amount to be deducted ($):

                                                                                                         ,          .
            Telephone number (home):
                                                                                               Amount to be deducted (in words):

            Telephone number (work):
                                                                                               Frequency (mark one):
                                                                                                X       monthly                           X       quarterly
            Telephone number (mobile):
                                                                                                X       six-monthly                       X       annually

                                                                                               5       Acknowledgement
            *Under law, super funds can only accept member after-tax contributions
            if your tax file number (TFN) has been quoted. See why HESTA asks for               By signing this direct debit request you acknowledge having
            your TFN on page 3 for details.                                                    read and understood the terms and conditions governing the
                                                                                               debit arrangement between you and HESTA as set out in this
            You request and authorise HESTA (administered by
                                                                                               request and in the Member direct debit service agreement.
            Superpartners Pty Ltd ABN 57 078 907 883 AFSL No.238761),
            the user, (user ID number 051005) to arrange for any amount                        Contribution caps apply to super accounts. Any super
            HESTA may debit, or charge you to be debited, through the                          contribution over the cap is subject to extra tax. For more
            bulk electronic clearing system from an account held at the                        information on contribution caps visit ato.gov.au/super
            financial institution identified in part 3 of this form (subject to
            the terms and conditions of the direct debit service agreement                     Applicant’s signature:                      Second signatory:
            and any further instructions provided in this agreement).                           1                                          2


                                                                                                                                           If you have a joint account, please ensure
                                                                                               Date:                                       the other account holder signs here.

                                                                                                D D M M Y Y Y Y                             D D M M Y Y Y Y

                                                                                               Debits occur around the 21st of the month. HESTA must receive
                                                                                               your signed and dated form 10 working days prior to the
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                                                                                               21st of the month in which the direct debit is to begin. Forms
                                                                                               received later will not be processed until the following month.

             Contact HESTA                       Free call 1800 813 327                             hesta@hesta.com.au                                     hesta.com.au
                                    H.E.S.T. Australia Limited ABN 66 006 818 695 AFSL No. 235249 HESTA Super Fund ABN 64 971 749 321 SPIN HST0100AU                            PAGE 4

								
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