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BARRY HENWOOD CHAIRMAN VALLEY COMMUNITY FINANCIAL SERVICES LTD

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Building better Communities Hurstbridge, Diamond Creek and Eltham Community Bank branches

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Eltham Launch 14 July 2010

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Eltham Branch Opening 7 October 2010

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Eltham Branch opening 7 October 2010

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Eltham Branch Our lovely staff are Cheryl, Karen, Josie, Annette and Janine

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How does Community Banking work? The Company is owned by the community via our shareholders We acquire a franchise from Bendigo and Adelaide Bank who in turn provide the Banking infrastructure The Community Bank company provides the staff, premises and all the ongoing operational expenses The Community Bank and Bendigo and Adelaide Bank share the revenue generated by the banking activities

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Together we can build a better community Whether directing profits to great community projects or providing grants to schools, charities and clubs, your local Hurstbridge, Diamond Creek and Eltham Community Bank branches continue to prove many hands make light work

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Where it all started.... The first Community Bank branches opened in 1998 in the Victorian wheatbelt towns, Rupanyup and Minyip. Today, Rupanyup and Minyip have been joined by more than 200 other communities across Australia to form one of the fastest growing banking networks community banking.

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Our contribution so far..... We have returned over $1.3 million to the community since 2001. 2002 - $9,000 sponsorships and grants 2003 - $32,000 sponsorships and grants 2004 - $42,000 sponsorships and grants $43,000 to shareholders 2005 - $84,000 sponsorships and grants $66,000 to shareholders 2006 - $155,750 sponsorships and grants $66,000 to shareholders 2007 - $247,323 sponsorships and grants $87,000 to shareholders 2008 - $388,420 sponsorships and grants $133,000 to shareholders 2009 Nearly $200,000 towards our bushfire affected communities 2010 - $322,944 sponsorships and grants $724,064.00 total dividends to shareholders over the past 10 years

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Vic/Tas State Conference VCFS was the State winner of this 2010 award

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Valley Community Financial Services Ltd. Received nomination for Northern Business Achievement Awards 2010.

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THREE WAYS WE WORK WITH OUR COMMUNITIES...... SUPPORT EMPLOYER GROUPS SPONSORSHIPS GRANTS

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Community Bank Stadium $250,000 donation, and $750,000 naming rights This is an $11 million project

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Community Bank Stadium Launch 12 October 2010

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Plenty Park Our contribution was $20,000 bringing about a $120,000 lighting project to fruition

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Diamond Creek Womens Football Club

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Diamond Creek Rotary Town Fair 2010 $70,000 sponsorship deal

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Diamond Creek Rotary Town Fair 2010

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Diamond Creek CFA Community Electronic Notice Board and a Stationary pump to fill CFA Tankers on site in bushfires approx $30,000

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Footsteps in the Ash David McGahy, Captain, Arthurs Creek CFA Sponsored $25,000 which in turn raised $125,000

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Hurstbridge Horse & Pony Club Donated $34,000 to provide a disability access ramp for riders.

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Kinglake Football Club Sponsorship of the Club

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St Andrews CFA

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Strathewen Cricket Club $3,000 sponsorship deal

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Research Junior Football Club Sponsorship agreement over 3 years totalling $10,000

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Hurstbridge Wattle Festival $15,000 sponsorship deal annually

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Eltham North Jets Basketball Club Sponsorship of the Club for $2,000

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Diamond Valley Basketball $7,500.00 sponsorship

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Hurstbridge Primary School From the date when the School was tragically burnt, the Community Bank has donated almost $100,000

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Diamond Creek Tennis Club By providing $25,000 we were able to help the Club obtain grants from local and State Government bringing about $130,000 reconstruction project

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Eltham Football Club $5,000 sponsorship deal 2010 We have just approved a sponsorship deal for 2011 for $1,000 plus a $2,000 incentive

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Doreen CFA Received $11,000 for new equipment

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Eltham Jazz Festival Major sponsor every year

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Ferguson Park Pre- School $ 18,000 was contributed towards playground facilities

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Hurstbridge CFA Grant for emergency power generator worth $35,510

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Kinglake Ranges Radio 94.5FM Community support through establishment of community radio

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North East Blaze Netball Club

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4Cs (Chicks with Cancer that Coffee and Chat) Sponsorship of the annual Girls Night In fundraiser

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So why are we doing this? We do it because working with local communities is part of how we do business every day. Your success is our success

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We can provide all your banking needs: Savings accounts Cheque accounts Home loans Personal loans Business and Commercial banking Financial planning Insurance, and, above all, Professional and friendly service.

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The Question...... If you are banking with another institution, ask yourself this simple question....... IS MY CURRENT BANK GIVING BACK TO ME AND THE COMMUNITY WHERE I LIVE?

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Best of all, the benefits come at no cost to local communities and no cost to customers

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Our Community Banks are proudly supported by our customers.

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Successful customers Successful communities Successful Community Bank branches