Unless the Director has previously refused the application (and there has been no change in circumstances), the Director shall F1... assess the applicant's disposable income and disposable capital.

Subject to paragraph (3), the supplier shall collect the maximum contribution, if any, payable by the applicant in accordance with the provisions of the Financial Regulations.

The Director may waive (in whole or in part) any requirement that a contribution may be paid in respect of a certificate under this Part.