WJMac Services

Po Bo= x 2120 = &nb= sp; = Kambah Village LPO Kambah ACT 2902 = &nb= sp; = &nb= sp; = ABN 44710059959

WJMac Services Trading Terms &nbs= p; as at 01 Sept 2006= =

Dear Client

The majority of our clients/customers settle their acc= ounts on time. However the work load involved in chasing up slow payers is adding= unwanted pressure on our staff. We have therefore decided to employ a credit collect= ion Service to collect our overdue accounts.

All Accounts must be paid by the due date s= hown on the invoice. All invoices that are overdue 21 days after the due date may receive a late fee per month or part there off to cover the time of account= ing staff. Interest may also be charged at a rate equal to the latest monthly a= verage yield of 90 day Bank Accepted Bills published by the Reserve Bank of Australia before the day that payment was due. If the account remains over due after three months, WJMac Services reserves the right to ref= use to supply any more services or goods until the account is paid in full.

Ownership of all goods supplied to the clients remains= with WJMac Services until the price for which the goods were sold has been paid = to WJMac Services in full. Until ownership of the goods passes to the buyer, the buy= er possesses the goods solely as bailee for WJMac Services.

WJMac Services reserves the right to remove from the c= lient all items supplied to the client not paid for in full after the due date of= the invoice(s). Some items specially ordered for the client may not be able to = be returned. Restocking fees may apply to any goods that are returned. We also rese= rve the right to add all recovery costs of overdue invoices to your accounts.

The above conditions can be altered with talks between= the client and WJMac Services. Any changes made will be affirmed in writing. If the agreed changes are not adhe= red to, all the conditions listed here will apply back dated to the start of su= ch changes and all fees and interest may be applied.

The client is deemed to have agreed to the terms and conditions listed here when the account is first used. The terms here apply= to all accounts opened for the client.

Please call if you have any questions about the account conditions.

Privacy policy as at = 01 Nov 2006

Dear Client

Personal information

WJMac Services attaches a high importance to protecting its customers' privacy and maintaining the security of their personal information.

Personal information is information or an opinion, relating to an identifiable person, for example, a name and home address.

WJMac Services commitment to privacy

WJMac Services adheres to the National Privacy Principles contained in t= he Privacy Act 1988 (Cth), which govern the way person= al information is collected, recorded, stored, used and disclosed. WJMac Servi= ces is also bound by contracts with its customers.

WJMac Services uses the personal information it obtains from customers to provide the service that customers have requested and to communicate effectively with customers in delivering that service. WJMac Services takes= all reasonable steps to secure customers' personal information.

WJMac Services will use personal information only for purposes directly related to service delivery or as indicated in the standard customer contra= ct and in publicity directed to customers. Any other use will occur only with = the customer's consent or as permitted or required by law. For example, WJMac Services is obliged to provide information sought by taxation authorities.<= o:p>

Disclosure of personal information

Any disclosure of personal information to a third party will be:

in accordance with the Privacy Act
as <= span class=3DSpellE>authorised by the terms of the relevant contract between the customer and WJMac Services or
with the customer's consent.

WJMac Services may release a customer's personal information where: ther= e is a duty to the public to disclose that information, such as serious threat to public health or safety; it is required by law to release that information;= or there is an important public purpose, such as a government need to communic= ate reliably with customers on a matter of public significance.

WJMac Services may disclose personal information to its related corporate entities. In doing so, WJMac Services will abide by the National Privacy Principles.

There are some circumstances where WJMac Services may be required to sup= ply personal information to third parties. WJMac Services relies on third-party suppliers for product storage and to conduct activities such as mail-outs or market research. Personal information may also be disclosed to third party corporate services such as printing houses, credit agencies, mercantile age= nts and billing service providers.

The handling of information is covered by confidentiality agreements and= WJMac Services ensures that these third parties understand their obligations under the National Privacy Principles.

WJMac Services may also tell customers about new products and services or other marketing offers.

Customers who do not wish to receive marketing offers or be invited to participate in market research should advise WJMac Services on 02-62232250.=

Customers' access to their personal information

A customer has a right to view information relating to him or her and ha= ve errors (if any) corrected. The customer must provide appropriate identifica= tion and documentation in order to make a change, for example, when changing a surname following marriage. To arrange access to personal information custo= mers can call WJMac Services on 02-62232250.

Contacting WJMac Services

If customers have any questions about their rights or obligations they c= an call WJMac Services Privacy Contact Officer on 02-62232250. Enquiries can a= lso be made to the Privacy Commissioner by calling 1300 363 992 or to the ACT C= ivil and Administrative Tribunal (ACAT) on telephone 02-6207 7740.

Amendments to the Privacy Policy

This policy may be amended from time to time. Updated policies can be obtained from WJMac Services by calling the office on 02-62232250 or by visiting www.wjmac.com.au.