Welcome, everybody, to the Annual General Meeting for Auswide Bank Limited, November 24, 2023. Before we start, I'd like to, in the spirit of reconciliation, acknowledge the traditional custodians of the country throughout Australia and their connections to land, sea, and community. We pay our respects to the elders, past and emerging, and extend that respect to all Aboriginal and Torres Strait Islander people today. So welcome to our annual general meeting. My name is Sandra Birkensleigh. I'm chair of the company. With me are my fellow directors, who at the far left is Bree Kenny, our non-executive director and chair of the Risk Committee. Jackie Korhonen, non-executive director and chair of the Rem C ommittee. Cameron Mitchell, non-executive director. Martin Barrett, who you all know, CEO and Managing Director. Bill Schafer, who I think you all know also Chief Financial Officer and Company Secretary, Lynne McGrath, non-executive director, and Grant Murdoch, who is non-executive director and Chair of the Audit Committee. We're joined today by our auditors from Deloitte, Mark Tretton, Tom Mason, and Augusta Pavina. And we also have in the audience our future CEO, Doug Snell. So by all means, go up and say hi to him at the end of the meeting. Welcome to all of our shareholders and our support staff. Today's meeting is being held as a hybrid meeting, with shareholders able to attend either in person or online via the Computershare meeting platform. This format allows shareholders, proxies, and guests to participate in the meeting in either a physical or virtual capacity. Virtual attendees can watch a live webcast of the meeting, and shareholders and proxies can ask questions and submit votes. If we experience a technical issue and are unable to continue, we will adjourn the meeting and release an announcement to the ASX regarding further details of the meeting. Valid proxies received are held by Computershare. Valid proxies received for each resolution will be displayed on the screens at the relevant item of business. Please note that all valid proxies that have been received within the prescribed time limits have been admitted. I confirm that I intend to vote undirected proxies given to me as Chairman of the meeting in favor of each item of business. Given this is a hybrid meeting, with shareholders able to attend either online or in person, there are a few matters I need to run through before the formal business. Only shareholders, representatives of shareholders, and proxy holders who are attending in person today and holding blue admission cards, and those attending online are entitled to ask questions or vote during this meeting. For attendees attending in person, that's all of you in this room, to ask a question, you will need to raise your hand when I invite questions at the appropriate time. Someone will have a microphone. Yes or no? We're using these. W e're using these. Right. W e're using these. Right. Okay. Online attendees can submit questions at any time. To ask a question, select the Q&A icon, type your question into the text box. Once you have finished typing, please hit the send button. Alternatively, to ask a verbal question, please follow the instructions written below the broadcast window. Please note that while you can submit questions from now on, I will not address them until the relevant time in the meeting. Your questions may be moderated, or if we receive multiple questions on one topic, amalgamated together. Finally, due to time constraints, we may run out of time to answer all of your questions. If this happens, we will answer them in due course by email or posting responses on our website. Voting today will be conducted by way of a poll on all items of business. I will shortly open voting for all resolutions. For attendees present in person, on the reverse side of your blue admission card is your voting paper and instructions. You will need to follow the instructions, mark a box beside the motion of the voting paper to indicate how you wish to cast your vote, and then lodge it in the ballot box before voting closes. Proxy holders here in person have attached to their blue admission cards, a summary of their proxy votes, which detail their voting instructions. By completing the voting paper, you will be deemed to have voted in accordance with those instructions. Proxy holders who are entitled to cast any open votes, will need to mark a box beside the motion to indicate how you wish to cast your open votes. For online attendees, if you are eligible to vote, press the vote icon and all resolutions will be activated with voting options. To cast your vote, simply select one of the options. There is no need to hit the submit button, as the vote is automatically recorded. You will receive a vote confirmation notification on your screen. You have the ability to change your vote up until the time I declare the voting closed at the end of the meeting. I now declare voting open on all items of business. I'm advised that a quorum of members is present and declare the meeting open. Are there any apologies that anyone wants to list? No. Did we have any apologies before the meeting? No, we didn't. Thank you. I note that we've appointed Jesse Yerma from Computershare as Returning Officer. Jesse, would you like to identify yourself? In the back, the only person in white. Notice of meeting. I'm advised by the Company Secretary that the notice of meeting was forwarded to all shareholders on the October 23rd, 2023, and is taken as read. It now takes us to various presentations, the first of which is mine as Chair. I'm pleased to report that Auswide Bank had a solid result for FY 2023. We met our commitments to customers and shareholders, drove positive change, all while navigating a challenging operating environment. This year, we faced inflationary pressure on wages and costs, regulatory demand on resources, significant operating costs for technology and cybersecurity, in combination with strong competition for retail deposits and loans. Through appropriate and measured responses to these challenges, we were able to deliver our sound result. January 2023 saw the start of a new strategic cycle. The next three years will be a period of growth and development at Auswide Bank. Our corporate plan reflects the commitment to our mission, core values, and to those we serve. During the formulation of the plan, we sought feedback from staff, customers, and other stakeholders. The four pillars of focus of our corporate plan are: focus on third- party and private banking for loan book and deposit acquisition. Actively pursue inorganic growth to improve our ability to scale and step change our capacity. Provide exceptional customer experience across all channels to grow and ensure retention of customers. Invest to grow and keep the promise of ensuring growth is aligned to financial metrics for stakeholders. In March 2023, our Managing Director, Martin Barrett, advised the board of his intention to retire at the end of 2023. During his 10 years as our CEO, Martin has been an inspirational leader, transforming the business, sharpening its focus and creating a platform for sustained growth. Under Martin's leadership, together with his team, we have increased the loan book over the 10 years from AUD 2.2 billion to AUD 4.4 billion, while customer deposits have grown from AUD 1.6 billion to AUD 3.4 billion over the same period. Incrementally grown in profitability and shareholder returns, culminating in a record underlying NPAT in FY 2023 of AUD 25.1 million, and a total dividend for the year of AUD 0.43 per share, which equated to a fully franked dividend yield of 7.89%. We gained our banking license on the first of April 2015, and began our journey to rationalize and bundleize the branch network to support improved customer service. In 2026, we acquired YCU, which provided a new customer base in Brisbane and was the first merger between a listed ADI and a mutual in over a decade. We've grown our private bank, offering bespoke lending and deposit opportunities with the portfolios of AUD 428 million at June 30, 2023. On behalf of my fellow board members and our staff, I want to thank Martin for his exemplary leadership and his relentless focus on the bank's mission, placing the customer at the heart of everything we do, while at the same time creating value for shareholders. We wish Martin all the best in the future, riding his bike up and down mountains in Europe, which is why he would. So thank you, Martin. This year saw the appointment of two new directors to Auswide Bank. In February, the board appointed Mr. Cameron Mitchell. Cameron is an experienced business leader with an executive career that spans more than 25 years in banking and financial services, both domestically and internationally. He has extensive experience working with regulators to ensure the highest levels of risk management and compliance. And in March, we appointed Ms. Lynne McGrath. She has extensive executive experience in the financial services sector, including retail banking, wealth management, and retail distribution. Additionally, Lynne has significant experience in digital transformation and business turnarounds. Now, at the time, we really only needed to replace one director, but we were faced with or presented with such amazing talent, we decided that we'd take both of them, and they are proving to be well worth it. Doug Snell will commence as the company's new Managing Director and Chief Executive Officer in the coming year. As a board, we remain committed to delivering long-term, sustainable and profitable growth to drive shareholder value. We look forward to the next chapter under Snell's leadership, and on behalf of my fellow directors, we welcome him to the board and look forward to working alongside him in the years ahead. It has been an extraordinary effort from everyone in the Auswide Bank team. Our results are the outcome of hard work, flexibility, and determination. I would like to acknowledge the management and staff, Auswide, for their contribution they continue to make to our business and our customers. To my fellow directors, thank you for your commitment and wise counsel. To our shareholders, customers, and partners, thank you for allowing us to stand with you and for your continued support. I will now hand to Bill Schafer to present the CFO's report. Thank you, Sandra, and good morning, everyone. I want to present an overview of the financial results for financial year 2023. Auswide delivered an underlying net profit record for the year to June 30. While marginally up on the prior year, this was achieved in a very challenging environment. The financial highlights disclose the underlying NPAT, AUD 25.1 million, which was up 0.4% on the prior year. As there were no one-off items, the statutory NPAT was equivalent to the underlying figure. The statutory NPAT was down 4.1% on financial year 2022, which included AUD 1.1 million of one-off items. The highlight of financial year 2023 was record loan book growth of 14.2% or more than 3x system, to a total of AUD 4.4 billion. Current market conditions have led to a more conservative approach to growth in financial year 2024, with a marginal decline in the loan book year to date. There was also an 11.6% uplift in customer deposits, which reached AUD 3.4 billion at the end of the financial year. However, competition in both the loan and funding markets resulted in a 6 basis points decrease in the net interest margin across the year, down from 194 to 188 basis points. The NIM for the second half of the financial year was 177 basis points, and the pressure on the margin has continued into the new financial year. Earnings per share on an underlying basis were down AUD 0.022 to AUD 0.556 and down AUD 0.049 on a statutory basis. The decline in earnings per share reflected additional capital raised to support the loan book growth. Similarly, the underlying return on equity decreased from 9.4% to 8.7% with the additional share capital that had been raised. The increased loan volumes, along with investments in people and technology, resulted in a cost-to-income ratio of 65%, which was up from 61.1% in the prior corresponding period. The board declared a final fully franked dividend of AUD 0.21. This brought the total dividend for financial year 2023 to AUD 0.43, up AUD 0.01 on the prior year. The payout ratio of 78% was within the board target of 70%-80% of net profit. The dividend declared was in line with the record profit and was balanced with capital conservation to provide for further investment. The net profit reconciliation highlights the 8.7% uplift in net interest revenue, up AUD 7.1 million on financial year 2022. The bad and doubtful debts were marginally down, reflecting arrears, which remain at historically low levels. There were several expenses noted as increasing across the year: employee benefits, fees and commissions, and general expenses. Technology and cybersecurity continue to place pressure on expense growth. There were additional investments in cybersecurity, data, and cloud governance. The ongoing demands of regulatory compliance added to the costs, including Open Banking and the National Payments Platform. There were further enhancements to the capabilities of the bank in AI to support loan retention, robotics, and internet banking. Personnel costs were up over AUD 3 million. In addition to wage increases from CPI and skill shortages, Auswide appointed additional personnel to support third-party loan processing and to assist in loan retention. In addition, as the bank has grown, staff were added to support transformation, risk, technology, and finance. The distribution of the Auswide loan book highlights the 16.7% growth in New South Wales and 28% growth in Victoria. There have also been significant advances across the rest of the country. Diversification of the loan book is being supported by the broker channel and the private bank, with 36% of the total loan book now residing outside Queensland, up from 30.4% at the end of financial year 2022. Southeast Queensland continues to be a major source of growth for the bank, with a 12% increase across the financial year. Home loan settlements at just over AUD 1.3 billion were a record for the bank. Quality low LVR lending remains a focus for Auswide, which is highlighted on the arrears slide. Total arrears at just AUD 4.4 million represents 10 basis points of the total loan book. This compares to arrears at a level of 18 basis points at June 2022 and 9 basis points at December 2022. The greater than 90 days arrears were just 4 basis points of the loan book. Adding to the credit quality is the continuing upward trend in advanced payments, which equated to AUD 244 million, or over 5% of the book. And in addition to that, there were AUD 443 million in offset accounts, representing 10.1% of the total loan book. The net interest margin has been under pressure from competition for loans and for deposits. Across the financial year, the NIM fell 6 points, from 194 to 188 basis points. Our focus has been on managing funding lines and on the product pricing, as well as increasing deposit funding. The six basis point contraction is reflective of the increases in both wholesale funding and deposit rates. The cost of deposits are being impacted as customers switched from the cheaper cost transaction accounts to the more attractive returns on their term deposits. Effects of the competition in new lending and retention of customers has continued into financial year 2024. This is combined with the elevated funding costs to put more pressure on our NIM. Capital remains well above the prudential target at 13.7%, with Tier 1 Capital at 11.4%. The capital's level remains strong and has increased to 14.18% at the October 31st, 2023. The new capital framework, which was introduced in January, delivered a benefit to our risk-weighted assets, but this was offset by the increased capital buffers introduced by our regulator. The statutory EPS and return on equity were both marginally down, as additional capital was issued during the year to support growth in risk-weighted assets from the record loan settlements. So Auswide has targeted quality lending and profitable growth across the last five years. The loan book growth and the NIM management, combined with expense control, delivered increased profitability and shareholder returns, and this enabled the board to retain that AUD 0.21 final dividend and AUD 0.43 per share total dividend for the financial year, which was up AUD 0.01 on the prior period. Thanks, Sandra. Thanks, Bill. And we now are going to receive Martin's final Managing Director report. Yep. Thank you, Martin. Thank you, Sandra. Thanks, everyone. My final report. Well, I've done it. I think what we'll do is, once you've finishedm w e'll have it framed in gold, and we'll hang it. So it's since I gave my notice and decided to kind of retire earlier in the year, certainly the time frame seems to have sped very quickly to kind of now this really being my last sort of 4 or so weeks, so quite incredible. Good morning and welcome, everybody. Fantastic to see you all here. This will be a short presentation. As you know, after nearly 11 years at the helm of Auswide, I do retire next month, so the new scruffy look is perhaps what lies ahead of me. I want to make a few points, a few comments on the current market conditions, and then a few final comments on my departure, if I can. So I kind of reflect that when I started my banking journey back in the late 1980s, yeah, that long ago, inflation was soaring and interest rates were rapidly rising. In fact, they hit a high of about 17.5% in terms of the cash rate, and many of you would remember that. It was a pretty painful time. So it's somewhat prophetic, if that's the right word, that I finish my banking career with inflation having again soared and rapidly rising kind of interest rates. The one thing that I do hope is different this time around is I hope those interest rates don't go quite so high. And I hope we don't end up in terms of consequences like we did in the early 1990s, so kind of careful balance. In relation to Auswide, we are in a sound position. You heard from Bill, we've got strong capital, record loan arrears, which is fantastic. We've got a substantially larger asset base and national distribution capability today. While this financial year is turning out to be quite a challenging one, for us and also for the industry, I do believe it is nonetheless transitory. The period we've experienced of significant and rapid inflation, and consequentially, 13 interest rate rises in 18 months, is certainly not what was forecast. Interest rate rises have led to significant customer activity in securing the best rate possible for both home lending and for deposits. Speed of change, record interest rate rises, cost of living pressures, intense competition, has tested our customer contentment on deposit and lending rates. Our hedging assumptions, expenses, and competition has been very fierce. I won't call it the least rational I've seen, but certainly close, and interestingly, it's mostly been driven by the big banks trying to recoup market share. So margin and cost pressures, therefore, have quickly become quite material headwinds for us. However, we're not alone, with numerous announcements by others on margins already made, and I suspect more to come. I was particularly interested in the three big banks that have reported in November financial year 2023. And as you would know, when they did report for their financial year, ended September 30th, 2023, all experienced pretty material margin falls across their retail banks and, consequently, profit falls in their retail banks. They've cited further margin pressures, with one of the CEOs stating that new home lending margins were the thinnest he has ever seen. Another one suggesting a peer is heading for the biggest fall in margins in banking history. That's kind of a complex environment right now, and one that's taking a little bit of time to sort itself out. There was a further element to home loan competition during the last period, and that was the introduction of cashback offers. Some were as high as AUD 6,000 per refinanced home loan. This drove a substantial increase of customer churn across the industry as home borrowers chased these offers, while also demanding the best and lowest interest rates. Some borrowers actually were switching several times within the one year to collect more of those, refinance, cashback, offers. Thankfully, we have nearly, but not totally, seen the conclusion of these offers. One major still offers, cashbacks, and a few overseas banks, continue to persist. At the time, and in hindsight, I am relieved Auswide Bank did not offer these inducements. Particularly recently, when interest rates for new home borrowing have been, at times, less than 100 basis points, so less than 1%, above term deposit rates. So very intense competition. Market does, however, appear to be steadying. I think it's got a little while to go before we reach that kind of equilibrium point again, but, new home lending margins have improved recently. But they're nowhere near the levels they were in 2022. It'll take some time. Our expectation is the worst is behind us on margins. Assisting us in this regard is we've got about AUD 600 million of low rate, fixed rate loans that mature through to the end of the financial year. They'll convert to higher rates in today's market, providing for some ongoing margin recovery. Additionally, the deposit book is settled, and it seems competition for deposits has also subdued. So with strong capital, a bigger, high-quality loan book, and a period of strong investment in the business we already made, we are ready and able to grow again as profitable lending returns. I am pleased to say that our recent loan flows have picked up and are looking positive. So we do expect a good start to the second half. So that's enough on the market and the challenging conditions. Now I just want to talk a little bit about my departure, if I can. So it's been my absolute honor to work and lead what was Wide Bay Australia and now Auswide Bank, over almost 11 years. Still blows me away, but for a company with a 57-year history, my successor, Doug, will only be the third CEO of this place. So three CEOs in kind of, like, 57 odd years. That's quite extraordinary. Of course, we all know the history with Ron Hancock and the fantastic legacy that Ron left, and my honor to be able to take from Ron. I can honestly say, I believe we have to work harder in the small bank space to succeed than is necessary in the big brands. We have all the investment demands, as well as growing regulatory and compliance obligations, and significantly fewer resources and dollars. However, we make up for that with innovation, carefully investing what makes a difference for us and our customers, a focus on efficiency, hard work, customer care, and teamwork. I've been blessed with a great team that work hard every day and do truly care about our customers, which is what makes us different, I think, and I really can't thank everyone enough. L ittle croaky voice there. I had one, so you can too. Yeah. We have, I think, achieved some strong outcomes over the years together, and I'm thankful for my team's support. They've been brilliant. I'm also thankful to our customers, of course. They've continued to support us. We've had more customers today than we've ever had in our history, which is fantastic. They've chosen Auswide Bank over others, and as everyone knows, there's plenty of others that they could choose from. So it is an honor for us to have our customers and for them to consider Auswide Bank as their bank of choice. With customers across the country, we've grown significantly in Southeast Queensland, Sydney, and Melbourne over the years, and in that table you would have seen from or that graph you would have seen from Bill. I think it's circa about 36% of our home loan customers today sit outside Queensland. So that's kind of a very big change for us over the years. The Auswide board has changed over the years, as good governance demands. However, consistently, I have been supported, challenged, and able to perform at my best, thanks to the board's support and direction. We have a great mix of skills and experience, and have successfully navigated some difficult circumstances and grabbed some great opportunities. I'd like to thank John Humphrey, our retired chair, Sandra, our excellent current chair, and the board for their support and guidance over the years. It truly has been fantastic to work with the board. They've not been easy, but the guidance has been fantastic. Well, you did a good job. Of course, I'd like to thank you, our shareholders for your ongoing support. Business is operating varying conditions, some supportive, some lesser. That has been our experience over the years. We've had some bumps along the way, but have consistently emerged stronger and more capable. The loyalty, support that we've experienced from our shareholders over many years is the foundation of this place. So I thank every one of you for your ongoing support. It's great to see some very familiar faces who've been coming along to these AGMs for some time. We are and will continue to be a successful bank working through the short-term challenges. Something I'm particularly focused on, and differentiates our bank, is delivering fairly for all our stakeholders. Getting the balance right in our community, customers, staff, and shareholder outcomes is incredibly important. It's part of the DNA of this place. I wish my team, Doug, and the board all the success for the future, and I look forward to attending an Auswide AGM or two, as a shareholder and as a customer. Thank you. So that takes us to the formal part of the meeting. We have the financial statements and reports that have been provided. These don't require a formal vote and will be adopted. But before I do that, are there any questions from the floor as they relate to the financial statements and the reports? I'll go to general questions a little later, but, specifically? No. We do have one question relating to the financial statements from Gillian King. And it relates to mandatory climate-related financial disclosures. "I was hoping to find in the annual report, Chair's or CEO's report, some mention about what Auswide is doing to prepare for this. Alas, I found nothing, despite clear signal the support would be required, and should request that we outline the steps that we've taken to prepare for the forthcoming mandatory climate-related financial disclosures and the timeframe for doing so." So the first thing that I note is that these standards have not been finalized. They're still in consultation phase. Is that correct, Mark? So whilst we have an indication, we don't have a final set of standards. Based on those current documentation, Auswide falls into what's called group two, with the commencement of the reporting from July 2026. Correct, Bill? And in the meantime, we are preparing a project plan, clearly, to understand what we will have to do between now and then. But we will be waiting for the final standards before we finalize those matters. Any other questions on the financial statements? No. Then we'll go to the resolutions. So the first resolution is the election of Cameron Mitchell. I propose that in accordance with rule 13.4 B of the company's resolution, Mr. C Mitchell, who was appointed by the board as a non-executive director of the company on F ebruary 1, 2023, and being eligible for election, be elected as a director of the company. Earlier in my chairperson speech, I gave you some background on Mr. Mitchell. I should also add, he's partnered with all levels of banking segmentation, including retail, SME, business, private, and institutional banking, to deliver customer growth, customer insight, data transformation, and strategy. He is the executive chairman and managing director of FX Risk Solutions, and I believe the chair of the Porsche Association. Not relevant. So before I put the resolution to the meeting, are there any questions in relation to Cameron Mitchell's election to board? No. There is a question online from Stephen May, which asks: Could the two directors and myself comment on the recruitment process that led to their appointments to the board earlier this year? Was there a headhunter involved, or did the board interview the candidates? Did Cameron or any of the directors try to engage in the recruitment process? So I think I'll speak on Lynne and Cameron's behalf. There was a formal process. We did use a headhunter. Whilst Lynne and Cameron were known to members of the board, it was a purely independent and objective process. And yes, the board interviewed Cameron. So any objections to Cameron's election? No. Then we elect Cameron to the board. Thank you. The second resolution is the election of Lynne McGrath. In accordance with rule 13.4 B of the company's constitution, Lynne McGrath, who was appointed by the board as a non-executive director of the company on March 1, 2023, and being eligible for election, be elected as a director of the company. I mentioned some of Lynne's extensive experience in my opening comments. A number of the roles she has held includes Group Executive, Retail Banking at BOQ, and Executive General Manager of Retail at CBA. She's currently a non-executive director of Credit Corp Group Limited, and Challenger Bank Limited. Is that still the case? Yep. She's also Chair of the Australian Digital Health Agency. Are there any questions in relation to Lynne's appointment? No. That being the case, the proxies, s orry, I forgot to mention the proxies. They're up, yeah. H ere they are here. So the proxies are, and the votes online are up on the screen. You can vote on your card if you haven't already voted for Lynne and Cameron. Sorry, I forgot to mention that. But at the moment, those resolutions are in favor of their appointments. The third resolution is in relation to the remuneration report. The resolution is that the remuneration report for the financial year ended June 30, 2023, as set out in the company's 2023 annual report, be adopted. Are there any questions in relation to the remuneration report? There's none online. There's no questions online? No. The current voting, as recorded, is shown on the screen, and those who have blue cards or online and wish to vote can mark their voting forms accordingly. That brings us to the end of the formal matters of business. We'll go to general business. I have a few questions online, but are there any other questions that anyone's got from the floor that anyone wants to ask? No. Okay, well, let me just deal with these few questions here. There's a question here regarding where Doug's going to live, and whether there's a non-compete in Martin's contract. Doug lives in Brisbane. He intends to stay there, right? And he will commute as needed between our offices, and I won't be discussing Martin's contract in this forum. There are questions about peak AGMs held earlier today, PEXA and APM and so forth. I'm not going to comment on those. And there's a question about the disclosure of the voting on the ASX. So we've put up here the votes as we've received them, but when we announce to the ASX, we will simply announce whether the vote has passed or not passed. And that's the end of the questions, I believe. No, there's another one? There's one. A gain, from Stephen May, Auswide is proudly a bank from regional Queensland. Once the new CEO starts, what will the geographic spread be in terms of where directors live? So my comment to that is, we search for the best qualified people to be on our board and where they live is not an issue as it relates to their appointment, and nor it should it be. Any other questions? Yes. This is shareholder thing. If you're both shareholders, individuals and y ou have a joint one as well, are you still only entitled to one vote? It's two, isn't it, Jess? Yeah, Two each. Two each? But why aren't they being given enough to vote then? Jess, can you deal with this? They're linked. Pardon? They're linked. T hey're linked. So before I close the voting, do you want to just pop up there and talk to Jesse? Yeah. Yeah. But how can they be linked? Well, I can't answer that. Could you ask the Returning Officer? Jess, can you come up here? Well, this gentleman has the same problem. Yeah, but his wife has sorted that out. Well, we don't know. So what you say in the box, what does linked mean? We have three votes. We have three entities in the bank. We only get two blue forms. Well, there's one blue form to count the vote, another blue form to count. I thought we should have three blue. My wife and myself, we all have it counted. Seems strange to me then. So, y es, we'll make sure all your shareholding gets counted in the vote. So Jess will work that out for you, so that there's no problem with that. Okay. Jesse? Okay. Yeah. So I'll leave the voting open until you've spoken with registry, and then once you've got an answer, we'll close voting. I know it will take a lot of convincing. Exactly. Linked means nothing to me. Okay, well, maybe they can show you on the computer where your votes will be recorded, to satisfy you. And I don't want to put words in their mouth, but if we need a third form, you can fill in a third form, I imagine. Okay. So that concludes the formal business of the meeting and general business. I'm going to leave voting open until we've resolved the issue of linked accounts. W hen Jess comes back in, she's got the voting box. Can one of you go there? Yeah, the voting box. Thank you.