I first became involved with Bendigo management and the community banks through their scholarship program. It was a very lucky story with my request. At the end of the scholarship, I then had that opportunity to be a community board advisor. We have started out through the scholarship program. Come along and they get their scholarships, and we get winners because I know how much it changed my life. Bank 2025 Annual General Meeting. I'm also a fellow shareholder. It's just after 11:00 A.M. and we have a quorum. The land, water, culture, and community. Our former Managing Director, Marnie Baker, who is, please place your moment. Thanks, Vicki, and good morning. If you have not voted already or appointed a proxy, you will have been issued with a yellow voting card. MUFG staff are available to assist you. Shareholders attending virtually can ask questions and submit votes online using any web browser on any device. Instructions are in the notice of meeting and on our website. As mentioned, questions display and read aloud the proxy results. For the benefit of our people, our customers, our purpose of feeding into the prosperity of our customers is essential. This year, the board is determined to pay a full. One of the ways that Bendigo and Adelaide Bank, our unique community bank, the community bank model and will continue last financial model. A diverse and complementary mix of experience and expertise. Their perspectives and continues. Will likely result in further necessary. AUD 9.6 million for the year, which saw a total operating second half, and we continue advances. And our common equity Taso Corolis as Chief Customer Digital Officer, in addition to his executive. We are very for their hard work and commitment. Thank you. Formal business of the meeting. Shareholders in August. There is no requirement for report, and none were all questions for the auditors. Branches, including in small branches, informed by customer preferences. Instances Instances as well, we were looking at a growth. Using your banks, often 30- 60. Of Of our customers to be stable. We're doing significant progressing work to address that. Asks, what is being done to improve? We do understand that. Thank you. Is around providing customers a bit of in the recent years. Go through that platform. That's another strong capability. It will be available. Up now has 1.2 million customers. In excess of 34%. And also provide your full name. Good morning, Madam Chair. Thank you, Eric, for the AG, and we do appreciate it. We will continue to make those investments because good results from. Deal and left them to do their job. To Bendigo and Adelaide Bank and our network. Understand that bank services because we think it's an important spend time in Canberra having those. Just a quick follow-up question. To better undertake their role, life easier for our, make me. This. is. We have one question from. We're looking at how do we integrate face-to-face banking services, align with the customer's needs? That's a great question. We're looking at integrating customer service within the banking services. Statistic across all of banking in Australia. I think it's something that we're looking at. 96.45%. That Travis Dillon, who retires from office, will be the next speaker for the next round of his election. Thank you, Travis. In the AG and Food sectors, ensuring it can deliver on its promise. Business for several years and more committee and the Board Audit Committee. He'd like to ensure this was preparation of a long list. Thank you. The next question is from Michael Francis Sanderson. Access to cash. Enjoy that they're available to customers with Travis abstaining. I can confirm that the details received prior to the meeting are now 0.68% against the resolution. Motivate and retain the talent that. Requirements of CPS 511. June 30, 2025. The board recommends that shareholders vote relating to the remuneration report. Can we take any? From Stephen Mayne and Mr. Mayne, thank you for the work you continue. The FY 2025 moments over that four-year period, so not. No No impact at all on any. No, Chair. Being displayed for your information. Fit to pass an ordinary. Ended 30 June 2026. Only vest if the bank meets key requirements. Colin, is there? We're no. Thank you. Lauren, can we please? Can you please advise? percentage votes against for. Lauren. And Elwood. Our capital needs and ensuring that. Now being displayed for your information. Open votes. That does now conclude. I thank you and I.