Yes I have been told by a lawyer in the past that it doesnt matter what you call a document, the actual substance of the document defines what it is.
In the MOU ANN however they make no mention of it involving any payment
" The MOU is non-binding & does not contain definitive terms, and as such, is incomplete in the absence of a definitive agreement. "
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- Ann: Memorandum of Understanding with NAB Financial Planning
Ann: Memorandum of Understanding with NAB Financial Planning, page-573
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