Okay. All right. And one other page I want to show you in this document, Ms Harris, which is page 10, 4533. We see from clause 9 that commission was also payable on the cross-sale of products?That’s right. And what products were Aussie brokers selling?At that time there would have been an insurance product. There would have been mortgage protection insurance. So they would have they would have had access to products related to the customer – and the home loan. And they still do, do they not?Yes, they still do. Aussie brokers still cross-sell a variety of insurance products in connection with the home loan application?Yes. We do. We still have mortgage protection insurance, general insurance, yes. And Aussie brokers continue to be remunerated for the addition the add-on to the – home loan of the sale of one of these products?Yes, they do. And whose products are they?It will vary depending on who the product is. So, you know, Allianz provides the insurance, for example. So each of them, ALI provide the mortgage protection insurance. And ?So is a variety. So the cross-sale payment comes from those entities; is that right?Yes. Okay. And also on this page, clause 10, we see the minimum performance requirement that Aussie imposes on the broker?Yes. You must introduce at least six new settled loans each calendar month or such other amount of settled loans as may be advised to you from time to time by Aussie in its absolute discretion?That’s right. And does that sort of requirement remain in place in Aussie’s contracts with its brokers?It remains in place. Yes. It remains in place. I tender the Nair contract, Commissioner. THE COMMISSIONER: Exhibit 1.67, AHL.0001.0001.4501, contract between AHL and Nair of 3 September 2008. EXHIBIT #1.67 CONTRACT BETWEEN AHL AND NAIR DATED 03/09/2008 (AHL.0001.0001.4501)
Okay. All right. And one other page I want to show you in this document, Ms Harris, which is page 10, 4533. We see from clause 9 that commission was also payable on the cross-sale of products?That’s right. And what products were Aussie brokers selling?At that time there would have been an insurance product. There would have been mortgage protection insurance. So they would have – they would have had access to products related to the customer and the home loan. And they still do, do they not?Yes, they still do. Aussie brokers still cross-sell a variety of insurance products in connection with the home loan application?Yes. We do. We still have mortgage protection insurance, general insurance, yes. And Aussie brokers continue to be remunerated for the addition – the add-on to the home loan of the sale of one of these products?Yes, they do. And whose products are they?It will vary depending on who the product is. So, you know, Allianz provides the insurance, for example. So each of them, ALI provide the mortgage protection insurance. And ?So is a variety. So the cross-sale payment comes from those entities; is that right?Yes. Okay. And also on this page, clause 10, we see the minimum performance requirement that Aussie imposes on the broker?Yes. You must introduce at least six new settled loans each calendar month or such other amount of settled loans as may be advised to you from time to time by Aussie in its absolute discretion?That’s right. And does that sort of requirement remain in place in Aussie’s contracts with its brokers?It remains in place. Yes. It remains in place. I tender the Nair contract, Commissioner. THE COMMISSIONER: Exhibit 1.67, AHL.0001.0001.4501, contract between AHL and Nair of 3 September 2008. EXHIBIT #1.67 CONTRACT BETWEEN AHL AND NAIR DATED 03/09/2008 (AHL.0001.0001.4501)