remembering that the purpose of the Gold accounts and subsequent loans is to reduce the tax burden to the member which is at least 33% of every dollar.

1.  Mastercard charges for the card
2.  Mastercard charge us for delivery to our office
3.  Australia Post charged us for delivery to the member priority and secured post
4.  Australia Post charges us for the envelope 
5.  We charge a small fee to process the entire thing.

the cost varies with each transaction…  If a member requires 5 cards then it gets cheaper because we only use one envelope.  remind the members that they can always just use the   

Instructions to Pay Anyone – Online Form

which avoids posting all together.