How To Sell Invoices To Westpac At A Discount

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1 Your Guide to Supplier Finance A Guide for Users of Westpac s Supplier Finance Portal Westpac Banking Corporation ABN

2 CONTENTS INTRODUCTION... 4 WHAT IS SUPPLIER FINANCE?... 4 SERVICES PROVIDED THROUGH THE PORTAL... 4 THE SUPPLIER FINANCE PROCESS... 4 TERMS AND CONDITIONS... 5 PAYMENTS... 6 SERVICE LEVELS... 6 CONTACT DETAILS... 6 ABOUT THIS GUIDE... 6 FREQUENTLY ASKED QUESTIONS... 8 TERMS AND CONDITIONS TERMS AND CONDITIONS FOR REGISTERING TO USE SUPPLIER FINANCE TERMS AND CONDITIONS TO BE SIGNED BY TRUSTEES TERMS AND CONDITIONS WHEN MAKING AN OFFER TERMS AND CONDITIONS FOR AUTO-DISCOUNTING PROCESS: REGISTER TO ACCESS SUPPLIER FINANCE SCREEN PAGE: SIGN IN SCREEN PAGE: REGISTER TO ACCESS THE SUPPLIER FINANCE WEBSITE SCREEN PAGE: CONFIRM BUSINESS DETAILS SCREEN PAGE: USER DETAILS SCREEN PAGE: CONFIRM DETAILS - CONFIRMATION SCREEN PAGE: CONFIRM DETAILS REGISTRATION TO ACCESS SUPPLIER FINANCE COMPLETED SCREEN PAGE: FORGOT PASSWORD SCREEN PAGE: SIGN IN SCREEN PAGE: CHANGE PASSWORD PROCESS: GETTING STARTED SCREEN PAGE: GETTING STARTED PROCESS: BUSINESS IDENTITY SCREEN PAGE: BUSINESS IDENTITY SCREEN PAGE: BUSINESS TYPE SCREEN PAGE: BUSINESS DETAILS SCREEN PAGE: BUSINESS DETAILS SUMMARY PROCESS: VIEW/OFFER INVOICES SCREEN PAGE: PENDING INVOICES SCREEN PAGE: VIEW/OFFER INVOICE SELECT INVOICES TO OFFER FOR DISCOUNT SCREEN PAGE: VIEW/OFFER INVOICES REQUEST PAYMENT PROCESS: PENDING PAYMENTS SCREEN PAGE: PENDING PAYMENTS SCREEN PAGE: PENDING PAYMENTS DETAIL PROCESS: OUTSTANDING CREDIT NOTES SCREEN PAGE: OUTSTANDING CREDIT NOTES PROCESS: SUPPLIER ACCOUNTS Page 2 of 70

3 SCREEN PAGE: BANK ACCOUNTS ACCOUNT DETAILS SCREEN PAGE: BANK ACCOUNTS PROCESS: SUPPLIER USERS SCREEN PAGE: SUPPLIER USER ADMINISTRATION SCREEN PAGE: SUPPLIER USER DETAILS SCREEN PAGE: CONFIRM USER PASSWORD RESET SCREEN PAGE: CREATE NEW SUPPLIER USER PROCESS: VIEW PAYMENT HISTORY SCREEN PAGE: PAYMENT HISTORY SCREEN PAGE: PAYMENT HISTORY DETAILS PROCESS: VIEW DISCOUNT RATES SCREEN PAGE: CURRENT DISCOUNT RATES PROCESS: INVOICE SEARCH SCREEN PAGE: INVOICE SEARCH SCREEN PAGE: INVOICE SEARCH - INVOICE RESULTS SCREEN PAGE: INVOICE DETAIL PROCESS: AUDIT HISTORY SCREEN PAGE: AUDIT HISTORY SCREEN PAGE: AUDIT HISTORY PAGE PROCESS: ADMINISTRATION SCREEN PAGE: ADMINISTRATION SCREEN PAGE: UPDATE YOUR DETAILS SCREEN PAGE: CHANGE PASSWORD SCREEN PAGE: UPDATE YOUR DETAILS WHERE CAN I FIND A COPY OF THIS GUIDE? Page 3 of 70

4 Introduction What is Supplier Finance? Supplier Finance is an on-line portal that links Buyers with their Suppliers, and enables Suppliers to choose how and when they receive payment. The portal is operated by Westpac, which also facilitates payments to the Supplier Services Provided through the Portal Keeps a full record of both current and historic invoices which have been approved for payment by the Buyer, as well as a record of payment. At the Supplier s discretion, early payment of invoices at an agreed discount (through the Supplier s sale of the invoices to Westpac). In those instances where the Supplier has not opted for early payment, receipt of the full value of invoices on their due date. In those instances where the Supplier has opted for auto-discounting, all invoices received by the portal will be automatically offered for sale to Westpac using the currently applicable discount rates. The Supplier Finance Process The steps in the Supplier Finance process are: Accessing the Portal, Registration and Viewing Invoices 1. The Buyer sends a Welcome Pack and invites the Supplier to participate in its Supplier Finance program. 2. The Buyer uploads a Business Administration File into the Supplier Finance portal containing the Supplier s initial details. 3. If the Supplier wishes to participate it will initiate the registration process by logging into the Supplier Finance portal using the URL, User ID and Password provided by the Buyer. 4. On successful completion of the registration process, the Supplier Administrator is enabled and notified via The Buyer uploads approved invoices into Supplier Finance. 6. An is sent to the Supplier to advise that its invoices have been added to the portal and these can be viewed by the Supplier by logging into Supplier Finance. Early Payment 7. The Supplier has the option of offering these invoices for sale to Westpac and thereby receive early payment (if the remaining number of days until payment is due under the invoice is greater than 7 days). 8. This will first require the Supplier to provide additional information on its business to Westpac for identification and verification (see Business Identify screen page). Page 4 of 70

5 9. Once the Supplier identification information has been verified by Westpac, the Supplier can then proceed to offer invoices to Westpac for sale and early payment. 10. First, the Supplier selects invoices for early payment. An indicative purchase price (which will be lower than the total payable under the invoice) will be displayed on the portal. 11. Second, if the Supplier is happy with the discounted purchase price, the Supplier formalises the sale by offering the invoice to Westpac by clicking on the make offer box, an is generated to the Supplier confirming the offer and the [proposed] purchase price. 12. Provided invoices are offered for sale by the Supplier and accepted by Westpac before 3:30 pm on a business day, the corresponding purchase price will be paid to the Supplier s nominated bank account that day for same day value. 13. Another is then sent to the Supplier confirming the amount credited to the Supplier s nominated account. Auto-Discounting 14. A Supplier can also opt to auto-discount all invoices approved for payment; that is, to automatically offer to sell to Westpac all its approved invoices that are entered onto the system by the Buyer. The invoices are offered to Westpac at the discount rate that is available on the system at the time they are loaded onto it. 15. A Supplier would sign-up for this option on the portal at the registration stage, and thereafter need never to review its invoices except to check that payment is made. Payment on Due Date 16. Any invoices not selected for early payment or auto-discounting will be paid on the Invoice Due Date. 17. All invoices that have been selected for early repayment or paid on Invoice Due Date can be viewed in the Payment History screen page in Supplier Finance. Terms and Conditions When registering for the various options available in the Supplier Finance portal or selling invoices to Westpac the Supplier will be asked to accept the applicable Terms and Conditions before proceeding. The reason for this is that each these activities entail different legal obligations on either Westpac or the Supplier, which are expressed in the Terms and Conditions. It is important to read these Terms and Conditions and to formally accept them before the Supplier can submit its registration to use the portal or to offer invoices for sale. In summary, these Terms and Conditions will apply in the following situations. First, when you initially register to use the portal in Step 3 above, you will be asked to accept the Terms and Conditions for using the portal. Second, if you are a Supplier whose legal entity is a trustee of a trust, you will be asked when supplying business information for verification by Westpac in Step 8 above, to confirm that you are legally entitled to sell invoices on behalf of the trust. Third, each time you offer invoices for sale to Westpac in Steps 9-11 above, you will be asked to read the Terms and Conditions of the sale and make the offer on the basis of these Terms and Conditions. Page 5 of 70

6 Fourth, if you want to register for auto-discounting in Steps 14-15, you will be asked to read and accept Terms and Conditions that provide for you to automatically offer for sale all invoices loaded onto the portal by the Buyer and to give Westpac the right to automatically purchase those invoices from you. The Terms and Conditions are posted on the portal, but a copy of each set of Terms and Conditions (current as at the date of this User Guide) are included in the next section of this User Guide. The Terms and Conditions may be updated and changed from time to time. Payments Invoices offered for sale to Westpac and accepted for early payment will be paid with same day value if selected before 3.30pm on a business day. Invoices that are not offered will be paid on their Invoice Due Date according to the normal payment terms agreement you have with the Buyer. Invoices that are within 7 days of the due date for payment under the invoice, will no longer be eligible to be offered to Westpac and will be paid on the Invoice Due Date. Any questions in relation to invoices / credit notes should be directed to your buyer sponsor. Invoices may be withdrawn from the portal. Any requests of this nature should be directed to your buyer sponsor. Service Levels Responsible Cut off Invoice selection to enable same day payment to nominated account within Business hours. Supplier 3.30pm on that business day Contact Details Your main point of contact should be the Supplier Finance Client Representative as specified by the Buyer. Your Supplier Finance Client Representative will have administrative privileges to answer / resolve any queries you have. Any Supplier Finance portal systems-related issues can be directed to Westpac Supplier Finance on Name Role Phone Supplier Finance Client Representative Westpac Supplier Finance Main contact point for most issues / queries For accessibility issues to the portal supplierfinance@qvalent.com About this Guide This is a quick reference guide to help you navigate around the many features of the Supplier Finance portal and how to use the system. Page 6 of 70

7 If you have any suggestions regarding the content of this User Guide please contact your Supplier Finance client representative. Page 7 of 70

8 Frequently Asked Questions What is the Supplier Finance program? Supplier Finance program is an online platform that allows you to view pending accepted invoices, receive remittance advices and request early settlement by offering invoices for sale to Westpac at a discounted rate. What happens if I don t elect to take up the sale and early payment option? Payment will be made to you on the invoice due date according to the normal payment terms agreement you have with the buyer. Will I receive a remittance advice? Yes, remittance advices will be available online and sent via to your nominated address. When can I get early payment? Early payment can be obtained up to 7 days prior to the invoice due date. Early payment is achieved by offering the invoices for sale to Westpac via the supplier finance platform any time the online platform is available. However, sale offers will only be accepted in Business hours. When will I get paid if I seek early payment? Proceeds of sale offers made and accepted via supplier finance platform by 3:30pm on a business day in Melbourne and Sydney will be credited to your account same day. Payment for offers received and accepted after 3:30pm will be credited to your account on the next business day. Please note that the payment will credit your nominated bank account with this value date but the actual time of the credit will vary across different banks. If this payment has not reached you by the following Business day and the system has the payment status as G (Good), please contact you Supplier Finance Client Representative to follow up. Who do I contact for further queries? Your Supplier Finance Client Representative as communicated to you by your buyer sponsor. How much will access to the system cost? Access to the system will be provided to all suppliers free of charge. How will the purchase price for my invoice be calculated? The purchase price that will be paid to you early will be calculated using the prevailing rates for the invoice term. What interest rate will I be charged? Invoices will be purchased using current market rates plus a negotiated corporate risk margin. How will payment be made? All payments will be direct credited to your nominated bank account. How do I register? Page 8 of 70

9 Follow the instructions provided within this guide. If you are still having trouble, please contact your Supplier Finance Client Representative. Who do I contact if I lose or forget my password? This can reset online through the logon page or through your Business Administrator. Are there any other costs? None from the Supplier Finance program, although your own bank may charge a fee for its services. Once I have offered my invoices for sale can I stop the transaction? No. Once the the sale offer is made it cannot be stopped. Please make sure that when selecting an invoice/s for sale and early payment, that you are certain about making theoffer. How are my Business Details updated? The buyer sponsor is the only authorised party to amend your supplier details within the portal. Any required changes should be advised to the buyer who will send these details through to the system. This includes the nominated bank account for which payments are made to for both payments taken early and those that are made on the due date. How many Administrators and Users can I have on the system? You can have as many as you like and these can be created by any administrator user. The initial registration flow however can only occur once and this administrator will have a user id set as SupplierCode_ADMIN. Where is my Batch of invoices displayed for a Due date that is within 7 days? When a batch falls within 7 days of its due date, it will no longer be available for early payment. These invoices / batches will be displayed on the Pending Payments screen with a status of Pending. This batch will now be paid to your nominated bank account on its due date according to the normal payment terms agreement you have with the buyer. When are the Interest rates updated within the portal and what happens if I select an invoice for sale and early payment prior to this time? Interest rates are updated within Supplier Finance at 11am daily. This is the earliest that current market rates are available. If an invoice is selected for sale and early payment prior to this time or after 3.30pm on a banking day, the indicative rate displayed may not be the same as the rate applicable when your offer is actually accepted. The actual rate applicable will be communicated to you in a confirmation when your request is accepted by a Westpac Trade Operation representative. Page 9 of 70

10 Terms and Conditions Terms and Conditions for Registering to Use Supplier Finance This Supplier Finance website ( this website ) is presented by Westpac Banking Corporation ABN , incorporated in Australia under the Corporations Act 2001 of Australia ( Westpac ). The Supplier s access to this website is subject to these terms and conditions ("Terms of Use"). Westpac reserves the right to change these terms and conditions at any time by providing 14 days notice to the address provided in the Supplier registration process. Access to this site The Supplier appoints the person set out above next to the heading Supplier Administrator as the Supplier Administrator to act on the Supplier s behalf on this website. The Supplier Administrator can appoint any other person as a Supplier Administrator or a Supplier User. The Supplier Administrator is also a Supplier User. The functions of the Supplier Administrator are: * Appointing, and administering the set up of, other Supplier Administrators and Supplier Users * Resetting Passwords for Supplier Users * Disabling or restricting access for Supplier Users Due to this high level of responsibility we strongly recommend that the Supplier Administrator should be nominated by the board of directors of the Supplier. Each Supplier User will have full access to all functions available to the Supplier on this website including the ability to sell invoices (if applicable). Your responsibility for the Supplier Administrator and Supplier Users The Supplier is: * responsible for ensuring that the Supplier Administrator and each Supplier User is aware of, and complies with these terms and conditions; and * responsible for all acts and omissions of the Supplier Administrator and each Supplier User in respect of this website. Contact details address as provided in the Supplier registration process unless a change is notified to Westpac by calling Availability Westpac will make reasonable efforts to ensure that this website is available to the Supplier at all reasonable times, but accepts no liability if this website is not available. Westpac may stop, suspend or alter the Supplier s access to this website without notice. Page 10 of 70

11 Login and Passwords Once the Supplier registration process has been completed to the satisfaction of Westpac in its absolute discretion, the Supplier will be issued with a unique Supplier Code and a User ID and initial Password for the Supplier Administrator. Each subsequent Supplier Administrator and Supplier User will be provided with a User ID and initial Password by a Supplier Administrator. Each Supplier Administrator and Supplier User will be prompted to change their initial Password as part of their first logon to this website. Once an Supplier Administrator or Supplier User has changed their Password, he or she must memorise this and use it with the Supplier s Supplier Code and their User ID to access this website. The Password each Supplier Administrator and Supplier User chooses must be a minimum of 8 characters and must include at least 1 letter and 1 number. It may also include some special characters and spaces. This will be that person s own confidential Password to access this website. Safety of Passwords The Supplier must ensure that each Supplier Administrator and Supplier User, does: * take steps to reasonably safeguard their Password * NOT allow anyone to observe them entering their password. * NOT disclose or allow their Password to become known to anyone else, including another Supplier Administrator or Supplier User, other employees, family or those in apparent authority such as management, the Police or Westpac staff * NOT write down, record or store their Password anywhere in written or electronic form, * choose a Password that is unique and/or is not the same as or similar to passwords used for any other services, equipment or cards the Supplier or they may use, including any non-banking services; If the Supplier or any Supplier Administrator or Supplier User believes for any reason that their Password could be known or accessible by someone else, or if the Supplier or a Supplier Administrator or Supplier User discovers any unauthorised use of their Supplier Code, User ID or Password has taken place, the Supplier or the Supplier Administrator or Supplier User must change the affected Password immediately or disable the login. Each Supplier Administrator and Supplier User may change their Password at any time. Westpac will also prompt and require each Supplier Administrator and Supplier User to change their Password for Westpac Business Online every 90 days. There is no legitimate reason for the Supplier or a Supplier Administrator or Supplier User to disclose his or her Password to anyone and the Supplier must ensure that no Supplier Administrator or Supplier User does so. Using this website Each Supplier Administrator and Supplier User is responsible for the security of their User ID and Password. Page 11 of 70

12 Anyone accessing this website or using the Supplier s Supplier Code, any User ID and Password will have access to information about your invoices and related transactions and may be able to effect transactions. Westpac will have no obligation to verify or take any steps to verify any instruction received from the Supplier or an Supplier Administrator or Supplier User or appearing to be sent by the Supplier or an Supplier Administrator or Supplier User via this website. Access rights granted to Supplier Administrators and Supplier Users by a Supplier Administrator are at that Supplier Administrator s sole discretion. Westpac is not responsible for any fraudulent acts or disclosure of information occurring due to an inappropriate allocation of these rights by that Supplier Administrator. If the Supplier appoints more than one Supplier Administrator, Westpac may take instructions from any Supplier Administrator or Supplier User. You should also initiate appropriate internal controls to minimise the risk of fraud. Links Westpac is not responsible for the information on any other website accessed via this website; that information is the responsibility of the owner of that website. Westpac has no control over it. Links to other websites are provided for convenience only and do not represent any endorsement by Westpac of the services offered by the site owner. Australian Supplier, Supplier Administrators and Supplier Users only This website has been prepared in accordance with New South Wales law for use by Suppliers that provide goods or services to Buyers resident in Australia. The Supplier confirms that it is resident in or otherwise registered as carrying on a business in Australian. The Supplier agrees to ensure that the initial Supplier Administrator and all Supplier Administrators and Supplier Users appointed are resident in Australia. Buyer knowledge The Supplier acknowledges that the Buyer will be able to view the status of the invoices uploaded by the Buyer on to the website. If the Supplier has been granted the functionality to offer receivables for sale to Westpac through this website, this means that if the Supplier offers a Receivable for sale to Westpac and Westpac accepts such offer, the Buyer will be able to see that the Supplier has sold that Receivable. No warranty and Limitation of Liability Information on this website relating to invoices is uploaded by the Buyer and Westpac takes no responsibility and accepts no liability for such information or absence of such information. Except as expressly provided otherwise in this agreement, and to the extent permitted by law, all warranties, representations, terms, conditions and undertakings, whether express, implied, statutory or otherwise arising out of or relating to this website, are expressly excluded and, in particular, Westpac does not represent or warrant to the Supplier that use of this website will be secure, error-free or uninterrupted. These Terms of Use must be read subject to certain statutory provisions in force from time to time in Australia which imply warranties or conditions or impose obligations on Westpac that cannot be excluded, restricted or modified, or cannot be excluded, restricted or modified, except to a limited extent. If those statutory provisions apply, then to the extent to which Westpac is able to do so, Westpac s liability for breach of those provisions will be limited, at Westpac s option, to the supplying of the services again, or payment of the cost of having the services supplied again. To the extent permitted by law, Westpac will not be liable to the Supplier for any loss of profits, revenue, interest or Page 12 of 70

13 goodwill or any loss of or corruption to data or for any indirect, incidental, special or consequential damages, from any cause, whether in contract, negligence or other tort, under statute, in equity or otherwise, arising out of or relating to this website or these Terms of Use even if Westpac had been advised in advance of the possibility of such loss or damage. Except as expressly provided otherwise in these Terms of Use and to the extent permitted by law, Westpac s cumulative liability to the Supplier for all claims made by the Supplier arising out of or relating to this website or these Terms of Use (including under any indemnities provided by Westpac in this agreement), whether in contract, negligence or other tort, under statute, in equity or any other basis, will not exceed in the aggregate, $1,000. Additional Terms If the Supplier has been granted the functionality to offer receivables for sale to Westpac through this website the offer for sale of such receivables will be on the terms and conditions accepted at the time of that offer. Governing Law Use of this site in relation to receivables payable by Australian Buyers shall be governed by the laws of New South Wales, in Australia. Privacy The Westpac Banking Corporation Privacy Statement (is available on Westpac s Australian website ( and is incorporated into these Terms Of Use. Page 13 of 70

14 Terms and Conditions to be Signed by Trustees As Trustee, I/We confirm that I/We am authorised by the Trust Deed to make the following declarations; the Trustee has the power and authority under the terms of the Trust Deed to enter into the arrangements contemplated by this website and that there has been no breach of trust by or, failure of, the Trustee to comply with it's duties as Trustee nor will any arise as a result of entering into these arrangements. Page 14 of 70

15 Terms and Conditions When Making an Offer 1. In making this Offer to assign a Receivable to Westpac (including by clicking the "Submit" button), I acknowledge that: (a) I am authorised by the Supplier to make this Offer to sell the invoice to Westpac on behalf of the Supplier (who is identified in the Select Account section above); (b) if the Supplier is a trustee of a trust, the terms of the trust authorise the Supplier to offer to sell and sell Invoices on behalf of the trust; and (c) these terms and conditions form part of the Offer. 2. In making this Offer (including by clicking the Submit button), I agree on behalf of the Supplier that: (a) (b) (c) (d) (e) (f) Westpac may accept or reject the Offer in its absolute discretion. Westpac may accept an Offer by changing the status of the relevant Receivable listed in Supplier Finance from Waiting Acceptance to Accepted. If an Offer is accepted by Westpac, Westpac will send notification of this to the Supplier at the address provided by the Supplier in the Supplier Finance registration process. Westpac may decline an Offer by changing the status of the relevant Receivable listed in Supplier Finance from Waiting Acceptance to [ Declined ]. If Westpac fails to either accept or decline an Offer, the Offer will be deemed to have been declined. If an Offer is declined by Westpac, Westpac will send notification of this to the Supplier at the address provided by the Supplier in the Supplier Finance registration process (except if an Offer is deemed to have been declined, in which case no notification will be provided). the Purchase Price and Discount Amount originally advised by Westpac were indicative only, and may change between the time of notification and acceptance of this Offer by Westpac. the Supplier is currently the legal and beneficial owner of the Receivable, or where the Supplier is the trustee of a trust, the Supplier is the legal owner of the Receivable and is empowered by the trust to transfer both the legal and beneficial interest in the Receivable. EITHER there is no mortgage pledge, lien, charge or other security interest over the invoice or Receivable which gives a creditor preferential right to it or its proceeds; OR the necessary discharge documents for any such security interest have been duly executed including an ASIC form 312 with the following text inserted in the description of the property released: All right title and interest to any debt whatsoever which [include full name & ABN of Buyer] (the Company) is actually or contingently liable to pay to [include full name & ABN of Supplier] including any amount under any invoice which has been delivered to the Company whether or not payment is due under that invoice. (g) if Westpac accepts this Offer prior to 3.30pm on a Banking Day Westpac will credit the Supplier s Nominated Account with the Purchase Price on the following Banking Day. If Westpac accepts this Offer after 3.30pm on a Banking Day Westpac will credit the Suppliers Nominated Account with the Purchase Price on the second banking day following such acceptance. (h) Westpac will not be responsible for any delay in accepting an Offer or processing payment of the Purchase Price if the date on which an Offer is submitted is a Saturday, Sunday or national Public Holiday. If the date specified in the Offer for payment of the Invoice Amount falls on a day that is a Saturday, Sunday or national Public Holiday, then the Discount Page 15 of 70

16 Amount will be calculated on the basis that Westpac will receive payment of the Invoice Amount on the next available day that banks are open. (i) (j) (k) Westpac may debit or credit the Supplier's Nominated Account from time to time when necessary to effect an adjustment for an error that may have occurred when Westpac processes payment of the Purchase Price, where debits are necessary to effect adjustments, Westpac will notify the Supplier and the Supplier will provide all necessary authorities to Westpac to effect the adjustment. subject to clause 2(k) below, on payment by Westpac of the Purchase Price, all right, title and interest in the Receivable will be assigned to Westpac and the hard copy of the Invoice to which the Offer relates becomes the property of Westpac and will be retained by the Supplier (on behalf of Westpac) for 7 years, at the cost of the Supplier. The Supplier will deliver to Westpac all original Invoices on request provided that the request is made within 7 years of Westpac purchasing the Receivable. if payment of the Purchase Price made by Westpac to the Supplier s Nominated Account rejects for any reason: (i) all right, title and interest in the Receivable will nevertheless be assigned to Westpac, notwithstanding the rejection of the payment of the Purchase Price; (ii) Westpac will contact the Supplier and attempt to resolve the procedural issue. If necessary, the Supplier will instruct the Buyer to correct or update the Supplier s Nominated Account in the Buyer s enterprise resource planning system and upload such update on to the Supplier Finance portal; (l) if the Supplier claims that it did not receive payment of a Purchase Price, Westpac will endeavour to assist with resolution of such claim; (m) any enquiries or complaints the Supplier may have in respect of payment of a Purchase Price will be directed to the Buyer; 4. The Supplier acknowledges that on each occasion that a Receivable is assigned to Westpac, the Invoice and the Receivable evidenced by it have been fully and unconditionally assigned to Westpac, and that the Buyer is required to make payment to Westpac of the Invoice Amount on its maturity date. 5. The Supplier acknowledges that the Buyer will be able to view the status of the invoices. This means that if Westpac accepts this Offer, the Buyer will be able to see that the Supplier has sold the Receivables relating to those invoices. 6. Further Assurances. The Supplier must upon notice given by Westpac do (and must use its reasonable endeavours to procure that anyone who has an interest in the Receivable or who claims under or in trust for the Supplier does) whatever Westpac requires in order to assign to Westpac full legal and beneficial title in and to the Receivable. This includes (without limitation): (i) executing a legal assignment of the Receivable in favour of Westpac; and (ii) giving written notice of that assignment to the Buyer, each in form and substance satisfactory to Westpac. Buyer means the company identified on the Supplier Finance portal as the debtor in respect of the Receivables loaded onto the Supplier Finance and Offered to Westpac. Discount Amount means the amount determined by applying the discount rate to the Invoice Amount. In this regard the discount rate is advised by Westpac to the relevant Supplier via . Page 16 of 70

17 Invoice means an invoice from the Supplier issued to the Buyer for goods and/or services provided by that Supplier to the Buyer. Offer means an offer made by the Supplier to Westpac to sell a Receivable(s) to Westpac in respect of an Invoice which has been lodged on the Supplier Finance portal by the Buyer. Purchase Price means, for a Receivable, the Invoice Amount less the applicable Discount Amount. Supplier Finance means the internet portal in which the Supplier can make an Offer to Westpac. Receivable(s) means the right, title and interest of the Supplier to receive payments from the Buyer under a sales contract(s) and evidenced by an Invoice. Supplier's Nominated Account means the bank account of the Supplier, as provided by the Buyer, into which the Purchase Price is to be paid. Westpac means Westpac Banking Corporation ABN Page 17 of 70

18 Terms and Conditions for Auto-Discounting 1. In selecting the Auto Discount option in Supplier Finance (including by checking the Auto Discount box and clicking the "Save" button), I confirm and agree that: (a) (b) (c) (d) (e) I am authorised by the Supplier to enter into this agreement to Offer all Receivables (evidenced by Invoices) to Westpac on behalf of the Supplier (who is identified in the registration process permitting access to Supplier Finance) and to bind the Supplier to the terms of this agreement; if the Supplier is a trustee of a trust, the terms of the trust authorise the Supplier to sell Receivables on behalf of the trust; these terms and conditions form part of each Offer; subject to paragraph (e) each Offer is irrevocable; and until such time as the Auto Discount option is disabled and deselected on behalf of the Supplier these terms will apply and each time details of Invoices are lodged onto Supplier Finance by the Buyer, the Receivables related to those invoices will be Offered to Westpac for sale in accordance with these terms. 2. In selecting the Auto Discount option (including by clicking the Save button), I agree on behalf of the Supplier that: From time to time the Buyer will load details of Invoices onto Supplier Finance. Once uploaded, Supplier Finance will notify the Supplier by that the Supplier s Invoice(s) have been so loaded (Invoice Approval Notification). Upon receipt of an Invoice Approval Notification the Supplier is deemed to automatically offer to sell to Westpac all Receivables identified in the Invoice Approval Notification at the Purchase Price. (a) (b) (c) Westpac may accept or reject the Offer in its absolute discretion. if Westpac accepts an Offer it will do so by remitting the Purchase Price to the Supplier. Westpac will confirm payment of the Purchase Price and the applicable Discount Amount by sending an notification of its remittance to the Supplier at the address provided by the Supplier in the Supplier Finance registration process. Westpac may decline an Offer in which case it will send an notification of this to the Supplier at the address provided by the Supplier in the Supplier Finance registration process. (d) (e) the Supplier is and will be the legal and beneficial owner of each Receivable, or where the Supplier is the trustee of a trust, the Supplier is or will be the legal owner of each Receivable and is empowered by the trust to transfer both the legal and beneficial interest in each Receivable. either there is no mortgage, pledge, lien, charge or other security interest over each Receivable which gives a creditor preferential right to it or its proceeds; or, the necessary discharge documents for any such security interest have been duly executed and, if applicable, lodged including an ASIC form 312 with the following text inserted in the description of the property released: All right title and interest to any debt whatsoever which [include full name & ABN of Buyer] (the Company) is actually or contingently liable to pay to [include full name & ABN of Supplier] including any amount under any invoice Page 18 of 70

19 which has been delivered to the Company whether or not payment is due under that invoice.. (f) (g) (h) (i) (j) (k) (l) if Westpac accepts an Offer prior to 3.30 p.m. on a Banking Day Westpac will credit the Supplier s Nominated Account with the Purchase Price on the following Banking Day. If Westpac accepts an Offer after 3.30pm on a Banking Day Westpac will credit the Suppliers Nominated Account with the Purchase Price on the second Banking Day following such acceptance. The Supplier warrants that the details of the Supplier s Nominated Account shown on Supplier Finance are correct. Westpac will not be responsible for any delay in accepting an Offer or processing payment of the Purchase Price if the date on which an Offer is deemed to be made is a Saturday, Sunday or national public holiday. If a payment date for payment of the Invoice Amount falls on a day that is a Saturday, Sunday or national public holiday, then the Discount Amount will be calculated on the basis that Westpac will receive payment of the Invoice Amount on the next available day that banks are open. Westpac may debit or credit the Supplier's Nominated Account from time to time when necessary to effect an adjustment for an error that may have occurred when Westpac processes payments of the Purchase Price. Where debits are necessary to effect adjustments, Westpac will notify the Supplier and the Supplier will provide all necessary authorities to Westpac to effect the adjustment. all the Supplier s right, title and interest in each Receivable will be automatically assigned to Westpac on payment by Westpac of the Purchase Price without any further act being required on the part of Westpac or the Supplier and the Invoice to which the Receivable relates becomes the property of Westpac at that time but will be retained by the Supplier (on behalf of Westpac) for 7 years, at the cost of the Supplier. The Supplier will deliver to Westpac all original Invoices on request provided that the request is made within 7 years of Westpac purchasing the Receivable; if payment of the Purchase Price made by Westpac to the Supplier s Nominated Account is rejected for any reason: (i) all right, title and interest in the Receivable will nevertheless be assigned to Westpac, notwithstanding the rejection of the payment of the Purchase Price; (ii) Westpac will contact the Supplier and attempt to resolve the procedural issue. If necessary, the Supplier will instruct the Buyer to correct or update the Supplier s Nominated Account in the Buyer s enterprise resource planning system and upload such update onto Supplier Finance; if the Supplier claims that it did not receive payment of a Purchase Price, Westpac will endeavour to assist with resolution of such claim; any enquiries or complaints the Supplier may have in respect of payment of a Purchase Price will be directed to the Buyer. 3. The Supplier acknowledges that on each occasion that a Receivable is assigned to Westpac, the Invoice and the Receivable evidenced by it have been fully and unconditionally assigned to Westpac, and that the Buyer is required to make payment to Westpac of the Invoice Amount on its due date. Westpac may deal with the Receivable and the Invoice in any manner it thinks fit. The Supplier will not challenge the validity of any assignment. 4. The Supplier acknowledges that the Buyer will be able to view the status of the Invoices. This means that if Westpac accepts any Offer, the Buyer will be able to see that the Supplier has sold the Receivables relating to those Invoices. The Supplier consents to Westpac up dating the Buyer with information concerning the Supplier s name and ABN from time to time. 5. Further Assurances. The Supplier must upon notice given by Westpac do (and must use its reasonable endeavours to procure that anyone who has an interest in each Receivable or who Page 19 of 70

20 claims under or in trust for the Supplier does) whatever Westpac requires in order to assign to Westpac full legal and beneficial title in and to each Receivable. This includes (without limitation): (i) (ii) executing a legal assignment of the Receivable(s) in favour of Westpac; and giving written notice of that assignment to the Buyer, each in form and substance satisfactory to Westpac. 6. Assignment by Westpac. Westpac may, without notice to or the consent of the Supplier, assign, transfer, sub-participate or otherwise deal with all or part of its rights or obligations under or in respect of any Receivable. 7. These terms may be updated from time to time by Westpac, in which case the revised terms and conditions will be provided to you by Westpac. 8. Terms are defined in the text above or as set out below: Banking Days means a weekday on which banks are open for business in New South Wales. A Banking Day ends at 4.00pm (5.00pm on Fridays) local time in New South Wales. Buyer means the company identified on Supplier Finance as the debtor in respect of the Receivables loaded onto Supplier Finance and offered to Westpac. Discount Amount means the amount calculated on the Invoice Amount of the relevant Receivable, at the discount rate expressed as a yield percent per annum on the number of days from the relevant date of purchase up to and including the due date of that Receivable on the basis of a year of 365 days for Australian Dollars. In this regard the discount rate used in determining the Discount Amount may vary from time to time and the then current discount rate can be viewed at any time on Supplier Finance. Invoice means an invoice from the Supplier issued to the Buyer for goods and/or services provided by that Supplier to the Buyer evidencing a Receivable and uploaded on Supplier Finance by the Buyer and that has a minimum tenor of at least 7 days before the invoice due date. Invoice Amount means the amount payable by the Buyer to the Supplier as shown in the relevant Invoice. Offer means an offer deemed to be made by the Supplier to Westpac to sell each Receivable evidenced by an Invoice which has been lodged on Supplier Finance by the Buyer to Westpac in accordance with these terms and conditions. Purchase Price means, for a Receivable, the Invoice Amount less the applicable Discount Amount, calculated as at the time of acceptance of any Offer. Receivable(s) means the right, title and interest of the Supplier to receive payments from the Buyer under a sale contract(s) and evidenced by an Invoice. Supplier Finance means the internet portal through which the Supplier can make an Offer to Westpac. Supplier's Nominated Account means the bank account of the Supplier, the details of which are provided to Westpac by the Buyer, into which the Purchase Price is to be paid. Westpac means Westpac Banking Corporation ABN (or its successors and assigns). Page 20 of 70

21 Screen Page: Sign In Process: Register to Access Supplier Finance Supplier User Guide Enter the URL provided to you by the Buyer into your internet browser. It will take you to the Sign-In screen. Click on the link Register at the bottom of the screen page to connect to the Register to access the Supplier Finance screen page, in which you create a new user account for accessing Supplier Finance. Only one administrator account can be created in this way, and any additional users must be created using an existing administrator account. The initial registration process must be completed before a User ID and Password are issued. Future access to the Supplier Finance site will be by you using your User ID and Password in the Sign In screen page. Page 21 of 70

22 Screen Page: Register to access the Supplier Finance website All details marked with a * need to be completed. The Supplier Code will be issued by your Buyer and will be communicated to you as part of your Welcome pack. Once you have entered all the required fields, please read the Terms and Conditions and check the box to show your acceptance of these Terms. Then click on NEXT to be taken to the next screen page. Supplier Code Input the Supplier Code assigned to your business by the Buyer Company ABN Input your registered business ABN issued by ABR Verification Input the verification code from shaded box below the Verification box. This is used for security purposes to avoid fraudulent activity Terms and Conditions Read the Terms and Conditions and once satisfied, click on the I accept these Terms and Conditions check box Click on NEXT to advance to Confirm Business Details screen page Click on CANCEL to abort registration and go back to Sign-In screen page Page 22 of 70

23 Screen page: Confirm Business Details This screen page allows you to confirm your business details which have been preloaded on this screen from information provided by the Buyer. If any of the details displayed are out of date or incorrect you should notify the Buyer so that they can update the details in their Business Administration file. The tick box that reads I confirm that I am an administrator for the business needs to be ticked before clicking on the NEXT or CANCEL buttons Supplier Code Supplier Name Phone Street City State Post Code Auto-populated using the information provided by the Buyer Auto-populated using the information provided by the Buyer Auto-populated using information provided by the Buyer. The address will be used by Supplier Finance to send/receive notifications Auto-populated from using information from the Buyer Auto-populated using information provided by the Buyer Auto-populated using information provided by your Buyer Auto-populated using information provided by your Buyer Auto-populated using information provided by your Buyer Click on NEXT to advance to the next screen page User Details Click on CANCEL to go back to the Sign-In screen page Page 23 of 70

24 Screen Page: User Details This screen page allows you to create an administrative user for your business. This administrator will be able to change your contact details as well as create other users. This screen also captures the security questions and answers that would be used to verify your identity, for example when we receive a password reset request. Page 24 of 70

25 User s Name User s User s Phone Number Security Question 1: Input the name of the administrative user Input the business address of the administrative user. The initial password will be sent to this address once registration is complete Input the contact number for the administrative user to be set-up. It should contain at least 9 digits Select a question from the drop down menu. A security question is a question that you may be asked to verify your identity when required Answer 1: Input an answer for security question 1 Security Question 2: Select a question from the drop down menu Please pick a question that you have not chosen as part of Security Question 1 Answer 2: Input an answer for the corresponding security question 2 Click on NEXT to advance to the next screen page Confirm Details Click on CANCEL to go bak to the Sign In screen page Page 25 of 70

26 Screen page: Confirm Details - Confirmation This screen allows you to confirm/re-edit the Business and User details entered on the previous screens pages. If the information in either the Business details or User Details section is incorrect then click on the EDIT button in the section to correct or update the information. Company ABN Supplier Code User s Name User s User s Phone Number Auto-populated using information updated by you in Register to access Supplier Finance screen page Auto-populated using information updated by you in Register to access Supplier Finance screen page Auto-populated using information updated by you in User Details screen page Auto-populated using information updated by you in User Details screen page Auto-populated using information updated by you in User Details screen page Page 26 of 70

27 Security Question 1: Answer 1: Security Question 2: Answer 2: Auto-populated using information updated by you in User Details screen page Auto-populated using information updated by you in User Details screen page Auto-populated using information updated by you in User Details screen page Auto-populated using information updated by you in User Details screen page Click on EDIT in either the Business Details and User Details sections to go to the appropriate screens to perform the required edits Click on CANCEL to go back to the Sign-In screen page Click on CONFIRM to go to the Confirm Details screen page which confirms the registration was successful Page 27 of 70

28 Screen Page: Confirm Details Registration to access Supplier Finance completed This screen page confirms the successful completion of your registration process. An will be sent to your business address to notify successful registration, and, to your user address specified in the User Details screen page to notify your username and initial password. Click on CONTINUE to go to the Sign-In screen page Page 28 of 70

29 Screen Page: Forgot Password This screen page allows you to reset your password if you forget your old password. This page can be accessed by clicking on the hyperlink Forgotten Password available in the Sign In screen page. Address Verification Input your address to which the new password can be automatically sent Enter the verification code from the shaded text box below the Verification box Click on SUBMIT to trigger the auto generation of an with your new password to the address specified Click on CANCEL to go back to the Sign-In screen page Page 29 of 70

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