218Example of Annual Fees and Costs

218 Example of Annual Fees and Costs

Example of annual fees and costs

[Insert for an allocation and PAYG points-based programs] This table gives an example of the annual fees and costs if you hold and use a [insert membership option] over a 1-year period. You should use this table to compare this product with other time-sharing schemes.

[Insert for an interval-based scheme] This table shows how much you could be paying if you use a membership to provide a week of accommodation—with and without the option of finance. You should use this table to compare this product with other time-sharing schemes.

The table below is only an example and does not reflect the actual costs you will have to pay each year. The example does not take into account any increase in levies or increases in other ongoing costs that may occur. The responsible entity can increase the cost of levies by [insert percentage amount and timeframe]. You will have to pay these levies and ongoing costs every year of your membership, even if you do not use your membership.

[Insert if relevant] If financing is facilitated, the estimate assumes you borrowed the maximum portion of the total purchase price available at the maximum interest rate for the maximum loan term for that interest rate. Financing is at the discretion of the person providing the financial accommodation and may not be available.

If you do not pay the costs associated with holding your membership your interests may be forfeited and you may also be charged forfeiture fees of between $0 and $[insert amount].

<table cellspacing="0" cellpadding="0" style="width:350.1pt; margin-left:83.92pt; border:2.25pt solid #000000; border-collapse:collapse"><tbody><tr><td colspan="3" style="width:337.05pt; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Membership Option – </span><span>[</span><span style="font-style:italic">insert name of membership option or interval required by clause 222 and the number and type of points or intervals used for the example</span><span>]</span></p><p style="margin-top:6pt; margin-bottom:6pt; text-align:justify; line-height:normal"><span style="font-weight:bold"></span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:1.55pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Type of fee or cost</span><span style="font-size:7.33pt; font-weight:bold; vertical-align:super">1</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Amount</span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Explanation of fees and costs</span></p></td></tr><tr><td colspan="3" style="width:337.05pt; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:4.28pt; vertical-align:top; background-color:#bfbfbf"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Cost of membership —before</span><span> </span><span style="font-weight:bold">[</span><span style="font-weight:bold; font-style:italic">if relevant - </span><span style="font-weight:bold">the purchase of PAYG points and] finance</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:1.55pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Levies</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of levies</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Ongoing membership fee</span></p></td><td style="width:75.35pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of ongoing membership fees</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Special levies </span><span>[</span><span style="font-style:italic">if</span><span style="font-style:italic"> </span><span style="font-style:italic">relevant</span><span>]</span></p></td><td style="width:75.35pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of any special levies</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Other annual fees and costs</span></p><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert a breakdown of the ongoing fees and costs</span><span>]</span></p></td><td style="width:75.35pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of the other annual fees and costs</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:1.55pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Accommodation usage fees</span></p><p style="margin-top:6pt; margin-left:1.55pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert a breakdown of the accommodation usage fees</span><span>]</span></p></td><td style="width:75.35pt; border:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>Assumes membership is fully utilised and bookings are made in high season.</span></p><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of accommodation usage fees</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Other fees and costs</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert a breakdown of the other fees and costs</span><span>]</span></p></td><td style="width:75.35pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of other fees and costs</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Total</span><span> of the above costs of [</span><span style="font-style:italic">insert name of membership option</span><span>]</span><span style="font-style:italic">.</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Not including </span><span>[</span><span style="font-style:italic">if relevant</span><span>,</span><span style="font-style:italic"> </span><span>the cost of purchasing any PAYG points or] finance costs</span><span style="font-style:italic">.</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>If you held this membership option, you would be charged fees and costs of </span><span style="font-weight:bold">$[</span><span style="font-weight:bold; font-style:italic">insert amount from column 2</span><span style="font-weight:bold">]</span><span> for a 1-year period.</span></p><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>This amount does not include [</span><span style="font-style:italic">if relevant, </span><span>the cost of purchasing any PAYG points or] finance costs</span><span style="font-style:italic">.</span></p></td></tr><tr><td colspan="3" style="width:337.05pt; border-top:2.25pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:4.28pt; vertical-align:top; background-color:#bfbfbf"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">[</span><span style="font-weight:bold; font-style:italic">If relevant</span><span style="font-weight:bold">] PAYG costs</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">If relevant</span><span>]</span><span style="font-style:italic"></span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold; font-style:italic">PLUS</span><span style="font-style:italic"> Cost of PAYG points</span><span style="font-size:7.33pt; font-style:italic; vertical-align:super">2</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="text-decoration:underline">[</span><span style="font-style:italic">Insert an explanation of the costs to purchase PAYG points.</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">[If relevant]</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold; font-style:italic">PLUS</span><span style="font-style:italic"> Fees and costs for purchase of PAYG points</span><span style="font-size:7.33pt; font-style:italic; vertical-align:super">2</span></p></td><td style="width:75.35pt; border-top:0.75pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of any fees and costs associated with the purchase of PAYG points.</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">If relevant</span><span>]</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Total </span><span>of all the above costs of [</span><span style="font-style:italic">insert name of membership option</span><span>]</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">including</span><span> the cost of purchasing PAYG points</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">not including</span><span> finance costs.</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">If relevant</span><span>]</span></p><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>If you held this membership option, you would be charged fees and costs of </span><span style="font-weight:bold">$[</span><span style="font-style:italic">insert amount from column 2</span><span style="font-weight:bold">]</span><span> for a 1-year period</span></p><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">including</span><span> the cost of purchasing PAYG points</span></p><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">not including</span><span> finance costs.</span></p></td></tr><tr><td colspan="3" style="width:337.05pt; border-top:2.25pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:4.28pt; vertical-align:top; background-color:#bfbfbf"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Finance costs</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Annual repayments for financing arrangements</span><span style="font-size:7.33pt; font-style:italic; vertical-align:super">3</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of annual repayments under financing arrangements</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-style:italic">Ongoing financing costs</span></p><p style="margin-top:6pt; margin-left:2.35pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert a breakdown of ongoing financing costs</span><span>]</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; border-bottom:2.25pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>[</span><span style="font-style:italic">Insert an explanation of ongoing costs</span><span>]</span></p></td></tr><tr><td style="width:101.45pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; padding-right:5.03pt; padding-left:4.28pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">Total </span><span>of all the above costs of [</span><span style="font-style:italic">insert name of membership option</span><span>]</span><span style="font-style:italic">,</span></p><p style="margin-top:6pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">including</span><span style="font-style:italic"> </span><span>[</span><span style="font-style:italic">if relevant, </span><span>the cost of purchasing PAYG points</span><span style="font-style:italic"> </span><span>and] finance costs.</span></p></td><td style="width:75.35pt; border-top:2.25pt solid #000000; border-right:0.75pt solid #000000; border-left:0.75pt solid #000000; padding-right:5.03pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span></span></p></td><td style="width:138.65pt; border-top:2.25pt solid #000000; border-left:0.75pt solid #000000; padding-right:4.28pt; padding-left:5.03pt; vertical-align:top; background-color:#ffffff"><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span>If you held this membership option, you would be charged fees and costs of </span><span style="font-weight:bold">$[</span><span style="font-style:italic">insert amount from column 2</span><span style="font-weight:bold">]</span><span> for a 1-year period</span></p><p style="margin-top:6pt; margin-left:2pt; margin-bottom:6pt; line-height:normal"><span style="font-weight:bold">including</span><span> [</span><span style="font-style:italic">if relevant, </span><span>the cost of purchasing PAYG points and] finance costs.</span></p></td></tr></tbody></table> ```