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<td style=";" width="600"><font face="Century Gothic" size="4"><strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <font size="5">terms and conditions</font></strong></font></td></tr></tbody></table><br>
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<div align="center"><font size="1">living <font color="#ff0000">red </font>&nbsp;<img src="http://www.livingred.com.au/images/W71213734.gif">&nbsp;&nbsp;240 Hoddle Street, Abbotsford VIC 3067<font color="#ff0000">&nbsp;</font>&nbsp;<img src="http://www.livingred.com.au/images/W71213734.gif">&nbsp; ph:03&nbsp;9417 0466<font color="#ff0000">&nbsp;</font>&nbsp;<img src="http://www.livingred.com.au/images/W71213734.gif">&nbsp; <font color="#000000">email </font></font><a href="mailto:info@livingred.com.au"><font color="#000000" size="1">info@livingred.com.au</font></a></div></td></tr></tbody></table><br>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><b style=""><span style="font-size: 10pt; font-family: Tahoma;"><font color="#ff0000"><font size="3">Refunds</font></font></span></b></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p>&nbsp;</o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp;&nbsp;&nbsp; Refunds are provided for the following reasons only: <o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. it is faulty or defective; <o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. it is not fit for the purpose for which it was purchased, or for which it is&nbsp; commonly&nbsp;&nbsp;&nbsp; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; used; <o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; c.it does not match any description or sample from which it was ordered.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.&nbsp;&nbsp; &nbsp;No cash refunds will be available unless the original payment method was cash and&nbsp; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp; proof of cash payment can be provided.</span></div><span style="font-size: 10pt; font-family: Tahoma;">
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><b style=""><span style="font-size: 10pt; font-family: Tahoma;"><font color="#ff0000"><br><font size="3">Lay-by<o:p></o:p></font></font></span></b></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p>&nbsp;</o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">1.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">The seller is Living Red Pty Ltd ABN 31 117 916 033<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">2.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">All goods will remain the property of Living Red until the lay-by is finalised.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">3.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">The initial payment must be no less than 20% of the total of the lay-by item(s).<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">4.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">A non-refundable service fee (which includes GST) is payable on each lay-by item. This fee is 10% of the cost of each item in the lay-by sale.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">5.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">In the event the lay-by sale is cancelled, the service fee will become the cancellation charge. If the lay-by sale is not cancelled, then the service fee is counted towards the item price. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">6.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">The lay-by must be finalized within two months of the date the lay-by was entered into. <br>Goods that are not collected by the end of the two month period will incur a storage fee of $50.00 per week or part thereof. This must be paid along with the full cost of the goods before the goods will be released. Monies already paid as part of the lay-by will be used by Living Red Pty Ltd to cover the $50.00 weekly storage fee.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">7.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">Lay-by payments are to be made at least every 14 days throughout the term of the lay-by period.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">8.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">The lay-by&nbsp;form must be presented when making payments.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">9.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">No part of the lay-by goods can be separated and collected by the customer until final payment has been made in full.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">10.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">If the lay-by sale is cancelled, the refund of deposits and payments will be made in accordance with the applicable law. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">11.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">Any change of customer address must be notified to Living Red prior to the end of the lay-by period.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 10pt; font-family: Tahoma;"><span style="">12.<span style="font: 7pt 'Times New Roman';">&nbsp;&nbsp; </span></span></span><span style="font-size: 10pt; font-family: Tahoma;">These terms may be amended by Living Red Pty. Ltd. at any time and amendments will be posted on the Living Red web site and be deemed as the terms and conditions applicable to each contract.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p>&nbsp;</o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p>&nbsp;</o:p></span></div><br><div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"></span><span style="font-size: 10pt; font-family: Tahoma;"><o:p><font color="#ff0000" size="3"><strong>Gift Certificate</strong></font></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p><br>1.&nbsp;This gift certificate is only valid when endorsed with the signature of a Living Red staff member and their staff number.<br>2.&nbsp;This gift certificate can be used to purchase goods up to the value indicated on the gift voucher. <br>3.&nbsp;Where the cost of purchase exceeds the gift certificate value, the gift certificate holder will be required to pay the difference between the purchase price and the gift certificate value.<br>4.&nbsp;This gift certificate is not redeemable for cash.<br>5.&nbsp;This gift certificate is only valid for three months from the date of issue. It is the gift certificate’s responsibility to ensure it is redeemed before the expiry date.<br>6.&nbsp;This gift certificate is redeemable only once at Living Red and must be surrendered when used. <br>7.&nbsp;This gift certificate cannot be used for the purchase of discounted goods but can be used for goods that are advertised as on sale. Discounted goods are goods where the buyer has negotiated a discount with a Living Red staff member. On sale goods are goods that have a reduced price displayed on the selling ticket. <br>8.&nbsp;Gift certificates may not be redeemed for the purchase of gift certificates. <br>9.&nbsp;Gift certificates cannot be used for or charged to a pre-existing lay-by, or order, or to discharge indebtedness<br>10.&nbsp;When redeeming this gift certificate, you must use the entire balance of the gift certificate at once. You cannot carry the remainder of the gift certificate forward. Any balance not used will be forfeited.<br>11.&nbsp;You can only use one gift certificate per purchase.<br>12.&nbsp;Lost or stolen gift certificates will not be replaced under any circumstances.<br>13.&nbsp;Living Red reserves the right to refuse to accept an order and also reserves the right to immediately suspend the fulfilment of an order if the customer is in breach of any of these terms and conditions.<br>14.&nbsp;Terms and conditions may be amended by Living Red Pty. Ltd. at any time and amendments will be posted on the Living Red web site and be deemed as the terms and conditions applicable to each contract.</o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p></o:p></span>&nbsp;</div>
<div class="MsoNormal" style="margin: 0cm 0cm 0pt;"><span style="font-size: 10pt; font-family: Tahoma;"><o:p></o:p></span>&nbsp;</div><o:p></o:p></span>
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