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Appendix 1 - Submissions received

1          Georgeson Shareholder

2          Trustee Corporations Association of Australia

2A       Trustee Corporations Association of Australia

3          Australiawide Realty Pty Ltd

4          Life Advisers Action Group

5          Deutsche Bank

6          Association of Financial Advisers

6A       Association of Financial Advisers

7          Law Institute Victoria

7A       Law Institute Victoria

8          Australian Association of Permanent Building Societies

8A       Australian Association of Permanent Building Societies

9          Australian Surety Association

10        International Banks and Securities Association of Australia

11        Australian Finance Conference

11A     Australian Finance Conference

12        Morgan Stanley Group

13        FSI Consulting Pty Ltd

14        Mr John Fielding

14A     Mr John Fielding

15        Mr Bruce Hamilton

16        The Association of Superannuation Funds of Australia Limited (ASFA)

16A     The Association of Superannuation Funds of Australia Limited (ASFA)

17        Financial Planning Association

18        Credit Union Services Corporation (Australia) Limited

19        The Institute of Actuaries of Australia

20        CDM Telemarketing

21        Law Council of Australia

21A     Law Council of Australia

21B     Law Council of Australia

22        Australian Conservation Foundation

23        Max Harris and Associates Pty Ltd

24        International Banks and Securities Association of Australia

24A     International Banks and Securities Association of Australia

24B     International Banks and Securities Association of Australia

25        NRMA Insurance Limited

26        Credit Union Services Corporation (Australia) Limited

27        Insurance Agents Association of Australia (IAAA)

27A     Insurance Agents Association of Australia (IAAA)

28        William M Mercer Pty Ltd

29        Investment and Financial Services Association Limited (IFSA)

29A     Investment and Financial Services Association Limited (IFSA)

30        Australian Payments Clearing Association (APCA)

31        APIR Systems Limited

32        Queensland Association of Permanent Building Societies

33        Goldman Sachs Australia Pty Ltd

34        Australian Financial Markets Association and Securities and Derivatives Industry Association

35        Mallesons Stephen Jaques, Solicitors

36        Clayton Utz, Lawyers

37        Financial Services Consumer Policy Centre

38        The Institute of Chartered Accountants of New Zealand

39        HCF Life Insurance Company Pty Ltd

40        The Institute of Chartered Accountants in Australia and Australian Society of Certified Practising Accountants

41        Consumer Credit Legal Service

42        Insurance Council of Australia

42A     Insurance Council of Australia

43        Mr Tony Damian

44        Australian Consumers’ Association

45        BT Financial Group

46        Consumer Law Centre of Victoria Limited

47        Securities Exchanges Guarantee Corporation Limited (SEGC)

47A     Securities Exchanges Guarantee Corporation Limited (SEGC)

48        National Institute of Accountants (NIA)

49        AMP Limited

50        Murphy Financial Services (SA) Pty Ltd

51        The Australian Institute of Chartered Loss Adjusters (AICLA)

52        QBE Insurance (Australia) Limited and American Home Assurance Company and Transport Industries Insurance

53        ComSuper

54        Freehills

55        One Stop Financial Services

56        Australian Associated Motor Insurers Limited (AAMI)

57        Arlington House Pty Ltd

58        The Securities Institute of Australia

59        Ms Helen Breier, Senior Client Adviser

60        Corporate Super Association

61        GAB Robins Australia Pty Ltd

62        Fairfax Limited

63        National Insurance Brokers Association

64        Australian Travel Agents Co-operative (ATAC)

65        Chartered Secretaries Australia

66        The Australian Federation of Travel Agents

67        Church Superannuation Funds Cooperation Committee

68        Ethical Investment Association of Australia

69        Ethical Disclosure (Group Submission)

70        News Limited

71        Reuters

71A     Reuters

72        Consumer Credit Legal Centre (NSW) Inc

73        Mr Ken Phelan

74        Australian Press Council

75        Australian Institute of Company Directors

76        World Vision Australia

77        Dr B Lokuge

78        The Mullum Trust

79        Broadcasters' Submission:

Federation of Australian Commercial Television Stations

Australian Subscription Television and Radio Association

80        SBS Corporation

81        Ms Claire Brunner

82        Ethical Investment Working Group (EIWG)

83        Glebe Asset Management Limited

84        Ms Janice Williams

85        Foster Care Workers (Group Submission)

86        Mr Ian Bowie

87        Commercial Law Firms:

Freehills

Allens Arthur Robinsons

Malleson Stephen Jaques

Blake Dawson Waldron

Clayton Utz

Minter Ellison

Corrs Chambers Westgarth and Deacons

88        Thomas Cook Travel (Australia) Pty Ltd

89        Queensland Law Society Inc

90        Native Forest Network

91        Ms Julianna O’Bryan

92        Westscheme Pty Ltd

93        Australian Stock Exchange (ASX)

94        Combined Insurance Company of Australia

95        State Chamber of Commerce (NSW)

96        Mr Tom Bostock

97        Mr Ray Freeman

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