You can pay for your plan in a single lump sum, or you can spread the cost over an extended term up to a maximum of 10 years (120 months). Instalments made over 12 or 24 months have no handling fee. Deposit payments or payments in full can be made by cheque, bank transfer, debit card or credit card (credit card payments carry a 2.5% surcharge). Monthly instalments are made by direct debit.