To finish up our review of the exclusive dealing provision, let us consider what it means for you.

It does not mean that you or VFS can never impose conditions or restrictions on the supply of a particular product or service. Sometimes this may be appropriate. For example, we may require a customer to take out insurance as a condition of their loan. It is not appropriate however, to require this customer to take out insurance with a particular person or institution. This activity is prohibited under the Trade Practices Act.

It may not be easy to work out whether any particular exclusive dealing arrangement could result in a substantial lessening of competition in the relevant market. For this reason if you are ever concerned about the possibility, discuss the proposed arrangement with your supervisor.