As stated in Clause 7.12 of the Agreement, the Bank will conduct its arrears monitoring and follow-up business in accordance with its normal commercial practice.  Where the Bank notifies DSH of the commencement of arrears action, as it often does as a formality, no action is required of DSH.  It is only where the Bank is intending to take legal action to enforce its security that it has an obligation to inform the Commonwealth.    As the Bank's dealings with clients are matters between those parties, DSH has no responsibility to further warn clients of the possible consequences of failing to reach agreement with the Bank on the arrears problem.