From what I can work out if you paid by Bpay after 3.00pm to 6.00pm on the 5th January and not directed payment to be made that day you will receive 20% of what you asked for up to the 8th January same deal. Holders who made early payments made before 3.00pm on the 5th receive all they payed for. At least that's how I read the NAB bank any way.
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