A person's payment destination is where their DVA payment will be sent. This most commonly is by direct credit to an account with a [glossary:financial institution:645]. However, the pensioner may apply for exemption from direct credit and subject to approval, the payment destination may be an individual cheque payment. A pensioner may nominate a payment destination of a group payment, such as an aged care facility, which must also be appointed as an [glossary:agent:421].