Users must not combine credits, as beneficiaries are unable to identify these transactions.

If a customer has two or more accounts or policies etc, the user may combine debit items into a single transaction provided:

• The Customer agrees to the combining of transactions in the mandate given
• The combined value must not exceed the relevant item limits set
• In the case of premium collections, ceded policies may be combined with other policies, provided the combined entry still indicates the cession by means of an asterisk (*).
• The references used must reflect as per the mandate.