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AnnualReviewBEcFFin60years.MrHazeljoinedtheBoardin2010andisaprofessionalpubliccompanyDirectorwhohashadanextensivecareerinbankingandinvestmentbanking.Thisincludesknowledgeoftheregionalbankingindustry.HewasChiefGeneralManagerofAdelaideBankhisemploymentendedin1999.RiskCreditGovernanceHR.ChairmanREDFundManagementPtyLtdDirectorCentrexMetalsLimitedImpedimedLimitedMotorAccidentCommissionCoopersBreweryLimitedPrecisionGroupPtyLtdCouncilontheAgeingIncVeteransHomesMyrtleBankInc.andAdelaideFootballClubLimited.BComMelbGraduateCerticateinManagementSouthernCrossUniversityMAICD45years.MsHeyjoinedtheBoardinJuly2011andhasexperienceintheareasoftelecommunicationsmarketingandsalesincludingasCEOofEricssonintheUKandinAustralia.SheworkedwithEricssonformorethan20yearsinnancemarketingandsalesandinleadershiprolesinAustraliaSwedentheUKandtheMiddleEast.AuditRiskChangeFrameworkTechnologyGovernance.SpecialBroadcastingServiceSBSandHonoraryConsulofSwedenforVictoria.DipBITGAICD53years.MrMatthewsjoinedtheBoardin2010andhasexperienceinsmallbusinessandagri-business.HeisinvolvedinanumberofagriculturalindustrybodiesincludingPulseAustraliaandAustralianFieldCropsAssociation.HehasastrongconnectiontoregionalcommunitiesandchairedtherstcompanyinRupanyupandMinyip.AuditCredit.DirectorPulseAustraliaAustralianFieldCropsAssociationRupanyupMinyipFinanceGroupLtd.BComDipAdvAccFCAFAICD61years.MrODwyerjoinedtheBoardin2000andwasaDirectorofFirstAustralianBuildingSocietyLimitedwhichwasacquiredbyBendigoBankin2000.HehasexpertiseinaccountingandcorporatenanceandwasapartneratBDOKendallsCharteredAccountantsfor28years.AuditRiskChangeFrameworkTechnologyGovernanceChair.ChairmanMetalStormLtdDirectorQueenslandTheatreCompanyLtdBackwellLombardCapitalPtyLtdandRetravisionSouthernLtd.B.EcG.DipFinanceInvestment55years.MsRadfordjoinedtheBoardin2005andhasmorethan20yearsexperienceinthebankingindustrywithbothinternationalandlocalbanks.FollowingsevenyearswiththeVictorianStateTreasurysheranherownconsultingbusinessbetween2001and2007advisingthegovernmentoncommercialtransactions.CreditChairChangeFrameworkTechnologyGovernanceGovernanceHR.DirectorForestryTasmaniaandCityWestWater.BComMelbASAMBAMelb53years.MrRobinsonjoinedtheBoardin2005andistheManagingDirectorofCentrepointAllianceLimited.Hehasexperienceinthenancialservicessectorincludingwealthmanagementandinsurance.HispreviousmanagementrolesincludeChiefExecutiveOfcerandExecutiveDirectorofIOOFHoldingsLtdManagingDirectorandChiefExecutiveOfcerofOAMPSLimitedjointManagingDirectorofFalkinersStockbrokingManagingDirectorofWealthPointChiefFinancialOfcerofLinkTelecommunicationsandGeneralManagerCorporateServicesatMayneNickless.RiskChairGovernanceHRChair.DirectorCentrepointAllianceLimited.independentindependentMsHeyisstandingforelectionatthe2011AGM.independentindependentindependentindependent201127JimHazelBoardcommitteesOtherdirectorandmembershipsJacquelineHeyBoardcommitteesOtherdirectorandmembershipsDavidMatthewsCommunityBankBoardcommitteesOtherdirectorandmembershipsTerryODwyerBoardcommitteesOtherdirectorandmembershipsDeborahRadfordBoardcommitteesOtherdirectorandmembershipsTonyRobinsonBoardcommitteesOtherdirectorandmemberships