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AFSL 312078 Prepared as at 15 May 2007

ELECTRONIC PAYMENT SERVICE (EPS) PRODUCT INFORMATION GUIDE

How Can Employers Use EPS?

ADP requires employers to sign a processing agreement for the provision of EPS. This processing agreement will detail the terms and conditions under which we will make EPS available to you.

To use EPS we require that you provide information about your business. We require details of the recipient organisations to which you wish to facilitate payments and details of your account held with a bank or other approved Australian deposit taking institution (eg building society, credit union etc) that permits non-cash payments to be made.

Once your business details are established in EPS, you may provide instructions on any configuration changes such as new recipient organisations to be set up or changes to the account from which your payments are made, using our online, secure internet facility, faxing, emailing (a scanned copy) or posting a completed form/s to us.

Instructions as to amounts to be facilitated for your employees will take the form of electronic data records that may come from your payroll instructions to us or that may be loaded directly by you into our online, secure internet facility and confirmed by you online.

Please visit our website www.asiapacific.adp.com for further information regarding our security and privacy policies.

What Is The Cost Of EPS?

The costs of the EPS service for your business can be obtained from the EPS Service team or an ADP sales consultant. Please note that ADP may from time to time change or introduce new fees and charges for EPS. ADP will provide you with prior written notification of the new fees and charges.

In addition to processing and event based fees, ADP will retain interest on funds held in its EPS trust account during the clearing and reconciliation period between receipt of transfer monies from employers and payment to recipient organisations.

ISSUE RESOLUTION AND COMPLAINTS

We have a simple and accessible process which you can use for any issues or complaints you have regarding EPS. In the first instance please contact the EPS Service Team by telephone on (+613) 9566 5508, by fax on (+613) 9566 5593 or by email to eps@au.adp.com.

If your issue remains unresolved, you may contact the ADP Dispute Resolution Officer (DRO) by sending an email to DRO@au.adp.com. Please provide as much detail as possible regarding the unresolved issue and the reasons why you disagree with the response from the EPS Service Team. If the DRO is unable to resolve your issue, it will be referred to the ADP Dispute Resolution Committee. If you remain unsatisfied, you may lodge your complaint with the Banking and Financial Services Ombudsman Ltd. Their contact details are GPO Box 3, Melbourne Victoria 3001, Telephone: 1300 780 808, Fax:(+613) 9613 7345

Would You Like More Information?

For further information relating to product, the cost of EPS or aspects of our services related to EPS, please contact our EPS team on (+613) 9566 5508 or email eps@au.adp.com .

AFSL-EW001 V1.0 May, 2007

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