Select the account or biller you’re paying to. e. Securely download your document with other editable templates, any time, with PDFfiller. Cancelling your direct debit in a branch. • Transfer money overseas. Bank cheques can be requested by phone or at a Macquarie Branch. Tax Payment Authority—Go to section E Adviser code (if known). No software installation. : fill, sign, print and send online instantly. PLEASE USE BLACK INK Please use this form to transfer funds overseas and/or to. Application Fee The application fee is $60. If the corporation has forfeited its right to conduct affairs for failure to file the periodic report within thirty (30) days of the first notification, the fee is the original . The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings account linked to the Macquarie CMA. Credit cards. When you modify a recurring payment, it effectively cancels the original payment, and no further payments will be made until the modification has been authorised. au or contact us using the below details: Macquarie Cash: 1800 806 310 Macquarie Wrap: 1800 025 063 1. If APRA places an ADI into liquidation, you may be entitled to payment under the scheme, with such payments being subject to a limit for each depositor. The choice of 6 sustainability themed SMA’s from Pendal and. 3. 237502 Please use this form to start, amend or cancel Recurring Payments from your relevant cash account with us, including the Macquarie Cash Management Account. Wherever possible, we encourage this method of application as processing times and potential follow-ups are significantly reduced. Withdraw/deposit cash at an ATM. By 6:30pm (Sydney time) Bank cheques and Telegraphic Transfers (International and Domestic) By 3. Access PaySuite. Authorised Signatory Authority* Government/Tax Payment Authority (Macquarie CMA only) Enquiry Authority Macquarie Access Code (if known): If your Financial Services Professional does not have a Macquarie Access Code, they will need to complete the Macquarie Registration – Representative form. a. For more information about Macquarie Cash Solutions call us on 1300 739 980 or +61 7 3233 8136 from overseas. The best recurring payment services of 2023, including Maxio (best for B2B), Zoho (best free option) and Chargebee (best for small. control of your cashflow 24 hours a day, seven days a week. Leave this ield blank if the client wishes to pay for the plans balance by cash or check over the plans term or if they are paying the full cost of the plan up front. Securely download your document with other editable templates, any time, with PDFfiller. The Macquarie Consolidator Cash Account (Cash Account) is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL 237502. You can use this form to request information for an auditor. Enquiry Authority Tax Payment Authority Macquarie ID (if known): If your Financial Services Professional does not have a Macquarie ID, they will need to complete the Macquarie Registration – Representative form. Give Macquarie faxed or email attachment instructions about your clients' accounts. No paper. Fax and Electronic Instruction Service. To make a payment from Macquarie Online Banking: Select the dollar sign from the side menu; or first click on the menu icon in top left-hand corner to display the side menu. Direct Debit Request (DDR) This form should be used to provide Macquarie Bank Limited with authorisation to debit a nominated bank account. Customer satisfaction increases while business payment. Macquarie Vision Cash product information statement: Download PDF: Macquarie Cash Solutions direct debit form: Download PDF: Macquarie Cash Solutions withdrawal form: Download PDF: Macquarie Cash. Select Single Pay. 6 • Setup recurring payments. au/help and search Authenticator to learn more. Shares are to be acquired on-market to satisfy the Dividend. Get the free Third Party Payment Form (Macquarie Bank) - Sentinel. Get Form. au and login to view your account details or call 1300 739 980 to update your details. Payroll payments: maximum of $500,000 (Included in Pay Anyone limit). The form is often used to give businesses the ongoing authority to charge the cardholder on a recurring basis — whether that’s. Standard - $99/month paid annually or $119/month paid monthly. Start with payments. Ursula Librizzi 9/9/2021. g. Use its powerful functionality with a simple-to-use intuitive interface to fill out Cash withdrawal form online, e-sign them, and quickly share them. Direct tax payments: $500,000 (separate to BPAY® and Pay Anyone limits). You can also visit us atPlease return this form by email to transact@macquarie. , Inc. Macquarie Direct Debit Request 2 of 2 For more information, please visit help. Macquarie Wrap Third Party Authority Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237492 RSEL L0001281. Recurring payment processing lets businesses automatically collect recurring customer payments. 85 billion in revenue. Amend distribution payment instructions. 3. 30am OR Sydney Melbourne Brisbane after 2. Alternatively, you can set up a recurring additional direct debit payment by calling us on 1800 007 722 (+61 2 8245 4383), 8am to 7pm (Sydney time) Monday to Friday. PROFESSIONAL OUTSOURCE SOLUTIONS: 20933: Readbet Pty Ltd: 22699: CLUB LEISURE DEVELOPMENT PTY LTD: 22715: INTERCHANGE VACATION CLUB:. Macquarie Vision Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 AFSL No. VizyPay is another payments processor targeting small business customers. a. Branch opening hours: 8am - 5pm (M-F) 133 174. Disclaimer - Hive Empire Pty Ltd (trading as finder. Insights Request a call Open an account Features and benefits of our cash ecosystem A suite of solutions purpose-built for advisers With easy online applications and reports. Make sure the information in the continuous reporting module is up-to-date before the periodic report is 'locked for review'. Recurring payments can help you get paid faster. 30pm Watch to Address Signature By completing. : fill, sign, print and send online instantly. Register for authority to transfer funds between your client's CMA and Cash XL accounts and establish authority to open term deposits. Recurring payments can be modified up until 11:59pm (Sydney time) on the business day before the next payment is due. Card has been reported as lost. Authorization reversals reverse a payment before it officially goes through and is the "quick fix" of payment reversals. 3 Macquarie Cash Solutions Third Party Authority form specifying signing instructions on the account (jointly and/or severally) 4 Trust account or self managed super fund (eg John Smith ATF The Smith Family Trust, or John Smith and Joe Blow ATF The Smith Super Fund) 4. Between January 2024 and November 2024, we’ll be phasing out our cash and cheque services across all Macquarie banking and wealth management products, including pension and super accounts. Prepare a file. New Recurring Payment Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 AFSL No. Can I schedule a. 237502 Please use this form to start, amend or cancel Recurring Payments from your relevant cash account with us, including the Macquarie Cash Management Account. Submit the form to the bank teller or the designated authority to process your cash withdrawal. App. macquarie recurring payment authority Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. Recurring payments can be modified up until 11:59pm (Sydney time) on the day before the next payment is due. Do whatever you want with a Vet. Fax and Electronic Instruction Service. Intern ational transactions. As part of our commitment to offering a high level of service to our clients, we provide a free SMSF messaging service to our Macquarie. uk **. Providing digital and electronic instructions for Cash and Wrap products Macquarie Cash and Macquarie Wrap Application forms Cash and Wrap application forms can be completed online and authorised digitally. % p. We pride ourselves on deep industry expertise and a strong relationship model. Do whatever you want with a archive. Please check your spelling or try another term. IMPORTANT: Recurring Payments can be set up or altered. We also help companies beat fraud, send invoices, issue virtual and physical cards, reduce friction at checkout, get financing, manage business spend, and much more. Complete a blank sample electronically to save yourself time and money. : fill, sign, print and send online instantly. Choose the Get form key to open the document and begin editing. (a) The required minimum distribution method. This is one of many digital improvements we’ve made as part of our commitment to provide an enhanced digital experience for you and your clients. Select the account you’re paying from. com or contact Macquarie Cash on 1800 806 310 or Macquarie Wrap on 1800 025 063. To offer the most value when establishing a banking relationship, we may look at the number of years’ profitable trading, directors and annual revenue. To open a Macquarie term deposit account, customers need to be: 18 years or older. Suite 2 / Level 3, 19 Honeysuckle Drive. For 'Later' and 'Recurring' payments it's $1,000. 237502 is the provider of the Macquarie Cash Management Reservations Forms - Asia Pacific Financials Corporate Day on 8 &a 2 Macquarie Group’s deposit products and non cash payment services Macquarie Group’s deposit products and non cash payment services Macquarie Group is a global provider of banking, financial, advisory, investment and funds management services. Whereas with Direct Debits, although making amendments is possible, advance notice needs to be given by. 2. 9% of. Your new daily online transfer limit Without Macquarie Authenticator, your new daily transfer limit is $5,000 across all your eligibleMacquarie Cash Solutions Withdrawal form Macquarie Bank Limited ABN 46 008 583 542 AFSL No. Select Next. Monthly Account Fee. By submitting application forms online, this reduces processing times. 2012 STATE LEGISLATIVE RATINGS GUIDE ILLINOIS ACU Presents 2012 State Legislative Ratings The American Conservative Union is taking our highly touted Congressional. subsequent recurring. 2. 1. 75% p. A continuous payment authority, also known as a recurring payment, is one way you can pay for services or pay back a loan. Macquarie Cash Solutions Recurring Payment Authority Download The Investment Account Change Of Name And Address Form Get This Form Now! Use professional pre-built. Cash App Pay is a reusable payment method that allows over 51 million monthly transacting actives* to safely pay businesses seamlessly using their Cash App accounts. The ACH (automated clearing house) network is slow and limited, so it’s normal for transactions to be pre-authorized. org: fill, sign, print and send online instantly. These reforms included SMSF trustees needing a solution to receive certain contribution payments and messages electronically from their employer. If you are a Macquarie Business Banking client please contact your relationship manager for applicable term deposit rates. Navigate to the Pay icon. a. Securely download your document with other editable templates, any time, with PDFfiller. 237502 is the provider of the Macquarie Cash Management. It’s often used to pay for things like payday loans, magazine subscriptions, and month-to-month services like gym memberships. This includes the Macquarie Withdrawal form and the Recurring Payment form. When you modify a recurring payment, it effectively cancels the original payment, and no further payments will be made until the modification has been authorised. 2. ”. IMPORTANT: Recurring Payments. To make a payment from Macquarie Online Banking: Select the dollar sign from the side menu; or first click on the menu icon in top left-hand corner to display the side menu. 1. 237502 and is subject to regulation by the. Recurring Payment Authority. • Pay your bills using BPAY. Form Popularity macquarie bank deceased estates contact form. Mon-Fri, 8am-7pm (Sydney time) 1800 806 310. Select the $ icon from the side menu; or first click on the menu icon in top left-hand corner to display the side menu. Tax payments – with your clients’ authority, make client payments directly to the Australian Taxation Office (ATO). Macquarie Transaction and Savings Account: 133 174 (+61 2 8245 4470), 24/7. Catalog Number 656-PPV (Rev. 30am All other withdrawal inquiry 12 noontide 48 hours. Go to macquarie. Macquarie Direct Debit Request 2 of 2 For more information, please visit help. 041. com. Super choice for employer contributions (PDF) Use this form to direct employer superannuation contributions (super clients). 99. You don't have enough money in your account. Open an Accelerator account at the same time you open your CMA to earn more on the cash you're keeping for investment opportunities, or to simply receive a higher return on your savings and access your funds. Macquarie third party authority Macquarie Bank Limited ABN 46 008 583 542 AFSL 237502 Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237492 RSEL L0001281 macquarie. We're excited to confirm that your clients can now approve Adviser Initiated Payments (AIP) via Macquarie Authenticator. com or mail to Reply Paid 85744 Sydney NSW 2001. Macquarie Bank Limited ABN 46 008 583 542 AFSL No. macquarie recurring payment authority. • View your available balance and statements online, including your annual tax summary. Efficient cashflow management strategies By consolidating your cash into one central cashflow management system you may reduce your account fees incurred elsewhere. 5 hours for bank cheque processing from request approval before arrival. Application Fee The application fee is $60. Call (407) 933-7777 or Toll Free (877) 582-7700. Please consider carefully who you appoint as a third party authority on your accounts as we may follow their instructions as if they were yours and they will have access to your account details (BSB, account number and account name), account balance and transaction history, which includes your personal information (‘Account Data’). Android Pay, the Android Logo. Get, Create, Make and. Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 AFSL No. CONSUMER LEASE APPLICATION. Request a cheque and/or deposit book used your clients' accounts. If APRA places an ADI into liquidation, you may be entitled to payment under the scheme, with such payments being subject to a limit for each depositor. pdf. Save or instantly send your ready. 237502 Please use this form to start, amend or cancel Recurring Payments from your relevant cash account with us, including the Macquarie Cash Management Account. For a recurring payment to be successfully processed, it must be authorised by 6:30pm (Sydney time) on the first payment date. a permanent resident of Australia; and. Appointment of a Financial Services Professional 3 2 Existing authorities will remain on your account if this section is not. Find the. Complete a blank sample electronically to save. On any device & OS. Select the payee (EFT) or biller (BPAY) or PayID from your payee list, or add a new payee or biller. Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. To ensure we direct you to the appropriate site, please click on the relevant button below. Online Cash and Wrap application forms can be completed and authorised online. Its main business focus is making returns by providing a diversified range of services to clients. Recurring payment authority (PDF) Use this form to arrange or cancel regular or fixed amount automatic payments from your investment cash account. The Macquarie Cash Management Account (Account) is a deposit account provided by Macquarie Bank Limited (Macquarie). Browse the PDF forms library and edit the one you need online. Please be aware that when. : fill, sign, print and send online instantly. Transfer of pension payments – in a few simple steps,To cancel recurring payments, follow the steps as listed below: Login to the platform. In some instances, pause or cancel the services until the payment issue is resolved. Macquarie Cash Solutions Recurring Payment Authority 2 of 2 Office use only: Sig Ver: MAC: WIN: ® Registered to Bpay Pty Ltd ABN 69 079 137 518 For more information call 1800 806 310 or +61 7 3233 8136 (overseas), email or visit macquarie. WILKIE, Secretary of Veterans Affairs, Appealed. Find a local Amscot to pay by cash. IMPORTANT: Recurring Payments. That entity’s obligations do not represent deposits or other liabilities of MBL. The Macquarie Cash Management Accelerator Account (Accelerator) is a high interest savings account linked to the Macquarie CMA. Select Single Pay. Select the account you’re paying from and the account you’d like to pay to (either a payee you’ve paid. 6 Authorise by entering your Macquarie Access Code (MAC) and Calculator Password at the bottom of the page, and clicking Authorise. Macquarie Group Limited (/ m ə ˈ k w ɔːr i /) is an Australian global financial services group. Please use this form to start, amend or cancel Recurring Payments from your Macquarie Vision Cash (Cash Account). Macquarie Consolidator II – Elevate - $1,000. To ensure we can process your modified payment, please approve. (125% including CLF allocation). On any device & OS. This guide covers everything you need to know about automated payments and recurring bills. 198650 ___ IN THE UNITED STATES COURT OF APPEALS FOR VETERANS CLAIMS ___ LEWIS C. au or contact Macquarie Cash on 1800 806 310 orDetermination of Substantially Equal Periodic Payments. 3400. Improve cash flow by giving clients more ways to pay you, including credit card, BPAY®, direct debit and cheque. Ask a question through AskMQ or call Revenue Services at +61 (2) 9850 6410 (Option 3 – Enquiries Only). Rul. Recurring Payment Authority. Complete a blank sample electronically toThe Macquarie Cash Management Account (Cash Account) is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL 237502. Get a snapshot of your finances Monitor your cashflow with simple visuals. Overseas telegraphic transfer request. 1. Of course, giving someone the authority to do the things we should be doing is going to take some effort. Vision Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. 1 Your Macquarie account details Account number: Account name: To authorise an Individual go to section 2. Macquarie Cash Solutions Third Party Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. Following the positive feedback on the speed and efficiency of our live chat function, we’re making it the default way to contact us for general account enquiries. Transfer funds between your accounts, make one-off or recurring payments, check your balance, search your transaction history and download statements. No software installation. Transfer funds overseas. you have informed Macquarie Bank Limited ABN 46 008 583 542Macquarie Overseas Telegraphic Transfer Request 4 of 4 For more information, please visit help. Macquarie Bank Limited ABN 46 008 583 542 AFSL No. On any device & OS. 1. Note: The specific layout and information required on the withdrawal form may vary across different banks or financial institutions. HubSpot payments. Go digital and save time with signNow, the best solution for electronic signatures. Overseas telegraphic transfer request. Setup or amend regular payments from your clients' CMA (such as pension payments). We recovered 12% of revenue through Stripe Billing’s automatic card updater. section c: payment fEE foR sERVicE altERnatiVE paymEnt pRogRam contRact contRact thRough hEalth authoRity othER - statE REason: to apply for direct bank payment from. Please note the cut-off time for transactions to take effect. (Interest at maturity) 3 months. What Are Recurring Payments? In contrast to one-time payments, recurring payments involve processing multiple transactions at regular intervals. Do whatever you want with a Weisgerber v. Third Party Authority (for Investment/Super Wrap accounts and CMA) (PDF) Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. Please ensure you’ve set it up with your Macquarie ID. TIP: If you wish to authorise the payment at a later date, or the payment needs a second level of authorisation, find it on the Pending Authorisation. Contact us. 3. 3 CoreData SMSF Service Provider Awards for 2015, 2016, 2017 and 2018. Headquartered and listed in Australia (ASX: MQG), Macquarie employs more than 20,000 staff in 34 markets, is the world's largest infrastructure asset manager and Australia's top ranked mergers and acquisitions adviser, with more than A$871 billion in assets under. 94% p. Amend distribution payment instructions. 2. Alternatively, you may write to us at Charles Schwab & Co. Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. Find out how GoCardless can help you with one-off or recurring payments. A recurring payment is a regular automatic payment that authorises a merchant or service provider to charge your debit or credit card. Term Deposit funds are locked in until maturity. a. 80% p. Unlike invoice payments, direct debit payments are automated, so once set up will always be paid at the scheduled time. Contact the business with your new payment details; Arrange a reattempt of the payment with the business. The Macquarie Authenticator app will soon become the only multi-factor authentication method for Adviser Online. Payments: Withdrawal - Cash and Investment accounts (excluding Investment Accumulator) Overnight: 2pm: Withdrawal – RTGS: Same Day: 12pm: Withdrawal – Super/Pension & Investment Accumulator accounts: Overnight 11am: Account Maintenance: Update contact or account details: 1-2 business days 4pm: Recurring payments: 1-2. This limit is separate from the $1,000 limit for 'Today' payments. From 1 March 2023, we’ll no longer accept paper signed requests for withdrawals under $100,000 for Macquarie Cash, Vision Cash and Investment Wrap accounts. Price: Credit and debit cards: You pay a flat 2. 237502 is the provider of Macquarie Vision Cash (Cash Account). Please return all relevant forms by email to transact@macquarie. New Recurring Payment Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 AFSL No. Macquarie Vision Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 AFSL No. You will be liable for their transaction. It allows you to pay your bills with BPAY and transfer funds to nominated account (s). As part of this process, the merchant should get the customer’s permission (‘standing authority’) to take payments as and when they’re due. 50% p. Overseas telegraphic transfer request. Efficient external payments – with the appropriate client authority, you can transfer funds on your clients’ behalf to other financial institutions, overnight. And if you’re busy during office hours and can’t get to a local Macquarie branch, setting up a term deposit can be as easy as going online. ”. Macquarie Accumulator - $250. A direct debit is an automatic transaction that transfers money from your account to another. a. 4. Fee Authority will be replaced with Financial Services Debit Authority). Enquiry Authority Tax Payment Authority Macquarie ID (if known): If your Financial Services Professional does not have a Macquarie ID, they will need to complete the Macquarie Registration – Representative form. From 1 March 2023 we’ll no longer be accepting manual withdrawal requests under $100,000 for Macquarie Cash,. 11 You agree to terms and conitions for Macquarie Online as set out in the Cash Management Trust product disclosure statement available from or. Recurring payments can be modified up until 11:59pm (Sydney time) on the day before the next payment is due. 2019) 10 part vi total periodic return taxable income tax rate total tax x 24. Please use this form to start, amend or cancel. See all Business; Business finance Check out our flexible loans and cash flow options to seize your next business opportunity; Business credit cards Grow your business potential with one of our business credit cards; Business accounts Accounts and term deposits to help you manage your cash flow and earn interest; Merchant and payments From. 7 days after the invoice due date, according to Illion. Begin by choosing Start Free Trial and, if you are a new user, establish a profile. en amoun om pa i ln. These services are provided for certain Macquarie accounts by MBL if stated in the relevant Account Terms and Conditions. Please use black ink and mark boxes with an (X). With the “set it and forget it” model, a customer can purchase a subscription, select the recurring billing option, and their payment method will be automatically charged at the designated time. Select Make a payment. Visit macquarie. Lite - $108/year or $6/month. You can also set-up a recurring Direct Debit by clicking Recurring schedule. 3087. Car loans. Third Party Authority (for Investment/Super Wrap accounts and CMA) (PDF) Fax and Electronic Instruction Service. To set up a recurring payment using Macquarie Business Online: Log in to Macquarie Business Online. If it isn’t authorised by this time, it’ll remain in Task Centre and can be authorised any time up until five business days after the start date you provided. Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 AFSL No. No paper. Select Make a payment. we’ll no longer accept withdrawals under $100,000 that are submitted via the Macquarie Withdrawal form or the Recurring Payment Authority form for Macquarie CMA products. COOK, Appellant, v. The Macquarie Cash Management Account, The Macquarie Cash Management Accelerator Account and Macquarie Bank Term. Indicative rate of 0. au/help or contact us using the below details: Macquarie Cash: 1800 806 310 Macquarie Wrap: 1800 025 063 Macquarie Business Savings Account: 133 174 1. macquarie. Pay Anyone: maximum of $500,000 per registered business (BRN). 4. 1 Please note you cannot appoint an Authorised Signatory on a Cash Management Accelerator Account. com. Businesses have better cash flow, and customers avoid manual payment responsibilities. com. au 2resources and the periodic summary financial statements, which corresponds to the request for payment. continued next page page 1 of 3 Macquarie Cash Solutions Overseas Telegraphic Transfer and Bank Draft Request Macquarie Bank Limited ABN 46 008 583 542 AFSL No. To set up a recurring payment using Macquarie Business Online: Log in to Macquarie Business Online. Those are just some of the ways BPAY is in your corner. Thousands of document templates in one catalog. com. a. Orders placed by 3:00pm (Sydney time) will be processed the same business day and will be active from the next business day. It’s easier to generate $2,500 monthly with one-time payments than it is to earn $50,000 monthly. The first use of any Access Method in connection with an Account will constitute your agreement to these Terms and. 237502 is the provider of the Macquarie Cash Management Reservations Forms - Asia Pacific Financials Corporate Day on 8 &a2 Macquarie Group’s deposit products and non cash payment services Macquarie Group’s deposit products and non cash payment services Macquarie Group is a global provider of banking, financial, advisory, investment and funds management services. Once you’ve been approved, we’ll make process payments to your builder at each stage of construction. Please specify the level of authority you wish to give. Macquarie Cash Solutions Recurring Payment Authority Macquarie Bank Limited ABN 46 008 583 542 ADSL No. Please use black ink and mark boxes with an (X). The Macquarie Authenticator app will soon become the only multi-factor authentication method for Adviser Online. These rates apply to financial advisers only. On any device & OS. on your clients' Macquarie Cash Management Accelerator Account balance under $2m. Strictly speaking the term “recurring payments” refers purely to a specific type of instruction given to your bank. au Important information • Please ensure all details on the form are complete and all required. Complete a blank sample electronically to save yourself time and money. Bank checks requests resided by 9. 3939. Select either Later for a single scheduled payment, or Recurring. APRA imposed a 15% add-on to the Net Cash Outflow component of the LCR. Macquarie Bank Limited ABN 46 008 583 542 AFSL 237502 is the issuer of the Macquarie Cash Management Account (CMA) and the Macquarie. a. Higher earnings generated in the current year were offset by an increase in working capital and higher incentive payments. To ensure we can process your modified payment, please approve.