depicting a man sitting on a tree branch playing an instrument, with two further people, the border decorated with flowers and Buddhist emblems, 30cm across
(a) give to us, if requested, proof of identity, and
(b) pay to us the total amount due in cash or in such other way as is agreed by us.
(2) Any payments by you to us may be applied by us towards any sums owing from you to us on any account whatever without regard to any directions of you or your agent, whether express or implied.