99

Argent, Dr Neil

130

Association of Financial Advisers

121

Australia and New Zealand Banking Group Limited

106

Australia Post

122

Australian Association of Permanent Building Societies

117

Australian Bankers' Association

117A

Australian Bankers' Association (Supplementary)

80

Australian Centre for Co-operative Research and Development

66

Bank of Western Australia Ltd

82

Barraba Shire Council

53

Bendigo Bank Group

68

Blayney Shire Council

92

Boonah Shire Council

46

Borton, Mr Robin

67

Burdekin Shire Council

85

Cabonne Council

47

Cape York Community Financial Project Ltd

94

Carnarvon Chamber of Commmerce

28

Catholic Women's League (Tasmania) Inc.

70

Catholic Women's League Australia Inc.

79

Citizens Electoral Council of Australia

7

Colonel Mel Bartlett

124

Commonwealth Bank of Australia

132

Community Bank Cummins

113

Community Teleservices Australia Inc (CTSA)

44

CONFIDENTIAL

60

CONFIDENTIAL

108

CONFIDENTIAL

88

Cooktown Community Bank Committee

97

Coonabarabran Shire Council

33

Corowa Shire Council

76

Council of the City of Ballarat

40

Council of the Shire of Cardwell

73

Country Women's Association of Australia

86

Country Women's Association of NSW

83

Country Women's Association of Victoria Inc.

59

CPS Credit Union (SA) Ltd

109

Credit Union Services Corporation (Australia) Limited

109A

Credit Union Services Corporation (Australia) Limited (Supplementary)

57

Crookwell Shire Council

105

Department of Agriculture, Fisheries and Forestry - Australia

128

Department of Community Development, Sport and Cultural Affairs on behalf of the Northern Territory Government

101

Department of Family and Community Services

123

Department of Immigration and Multicultural and Indigenous Affairs

127

Department of Transport and Regional Services

4

District Council of Grant

6

District Council of Karoonda East Murray

96

District Council of Lower Eyre Peninsula

30

District Council of Robe

45

Douglas Shire Council

75

East Gippsland Shire Council

81

Edenhope and District Community Bank Steering Committee

131

Elders Rural Bank

69

Finance Sector Union of Australia

11

Glover, Mr Peter

74

Gosford City Council

41

Goulburn City Council

12

Great Lakes Council

8

Gulin Gulin & Weemol Community Council Aboriginal Corporation

56

Gunning Shire Council

50

Guyra Shire Council

17

Herberton Shire Council

87

Hindmarsh Shire Council

18

Holroyd City Council

103

Hutcheon, Mrs Wendy

63

Ipswich City Council

20

Katherine Town Council

95

Lachlan Shire Council

38

Latrobe City Council

31

Laverton Shire Council

116

Lismore City Council

43

Local Government Association of Tasmania

25

Lockhart Shire Council

54

Macedon Ranges Shire Council

22

Maitland City Council

91

Manilla Shire Council

102

Marshall, Mr Glen

65

Mataranka Community Government Council

1

McLean, Mr Neil

72

Millmerran Shire Council

107

Moore, Mr Tim

114

Municipal Association of Victoria

29

Murgon Shire Council

10

Nanango Shire Council

36

Narrandera Shire Council

118

National Australia Bank

119

National Farmers' Federation

5

Nauiyu Nambiyu Community Government Council

5A

Nauiyu Nambiyu Community Government Council (Supplementary)

34

Northern Areas Council

21

Northern Midlands Council

111

Noye, Mr Larry

19

Paroo Shire Council

2

Paterson, Mr John

3

Pittsworth Shire Council

77

Post Office Agents Association Limited

78

Professor Jon Altman

71

Provic Group Inc.

62

Queensland Country Women's Association- Norwin Branch

120

Reconciliation Australia

120A

Reconciliation Australia (Supplementary)

89

Redland Shire Council

133

Reserve Bank of Australia

16

Rosalie Shire Council

16A

Rosalie Shire Council (Supplementary)

115

Severn Shire Council

48

Sharpe, Ms Louise

24

Shire of Chapman Valley

125

Shire of Dandaragan

35

Shire of Greenough

52

Shire of Kellerberrin

42

Shire of Nannup

49

Shire of Victoria Plains

14

Shire of Woodanilling

61

Shire of Yarra Ranges

129

South Australian Government

112

St. George Bank Limited

9

Surf Coast Shire Council

13

Swan Hill Rural City Council

93

Tamworth City Council

126

Tasmanian Government

15

The Barossa Council

100

The Country Women's Association of Western Australia (Inc)

90

The Manangatang Improvement Group Inc

51

The Shire of Wiluna

26

The South Australian Country Women's Association Inc

98

Thuringowa City Council

58

Traditional Credit Union Limited

58A

Traditional Credit Union Limited (Supplementary)

58B

Traditional Credit Union Limited (Supplementary)

84

Uniting Church Synod of South Australia

37

Upper Murray Regional Library

104

Victorian Farmers Federation

39

Wagga Mutual Credit Union

64

Weddin Shire Council

55

West Tamar Council

110

Westpac Banking Corporation

27

Winton Shire Council

32

Woorinen and Beverford District Action Group

23

Yallaroi Shire Council

14/11/2002

Competition and consumer issues for Indigenous Australians (A report to the Australian Competition & Consumer Commission by the Centre for Aboriginal Economic Policy Research, the Australian National University, Canberra), September 2002

14/11/2002

Talkin’ Money Business – Proceedings of the Workshop on ‘Improving Banking and Financial Services for Indigenous Australians’, Sydney, May 2002 – Draft Report, Reconciliation Australia

18/02/2003

Talkin’ Money Business – Proceedings of the Workshop on ‘Improving Banking and Financial Services for Indigenous Australians’, Sydney, May 2002 – Final Report, Reconciliation Australia

25/02/2003

‘Our Social Accountability Policies and Practices: We believe in...’ provided by Westpac Banking Corporation

25/02/2003

‘Going the extra mile’, Regional Banking Report 2003, provided by Westpac Banking Corporation

25/02/2003

‘A fresh perspective...Our First Social Impact Report’, provided by Westpac Banking Corporation

26/02/2003

‘Use of the Internet and Internet Banking in Small Towns’, provided by Tim Moore

03/03/2003

Correspondence, dated 28 February 2003, from the Post Office Agents Association Limited (POAAL), a list of LPOs which have received EPOS and fill facilities though Rural Transaction Centre programme

03/03/2003

Commonwealth Bank Media Release of 3 March 2003, Comminsure offers emergency life insurance premium relief for farmers and graziers

04/03/2003

Summary of the Creditcare Project with contact details for all operating Rural Transaction Centres (RTCs), from the Department of Transport and Regional Services

14/03/2003

Responses (dated 12 March 2003) from the Department of Transport and Regional Services to questions taken on notice at the public hearing on 12 November 2002 and further information on the rollout of the Rural Transaction Centres Program

19/03/2003

Response from the Australian Securities & Investments Commission to a question taken on notice during the public hearing on 26 February 2003 in relation to the real time disclosure of fees and charges

25/03/2003

Announcement by the Rocky River Community Bank Project Steering Committee that it will not be proceeding with a Community Bank

22/04/2003

Email correspondence from Mr Michael McCloskey, Corporate Secretary, Australia Post, regarding a Committee question about the incidence of traditional banking facilities and/or RTCs in towns with giroPost.

08/05/2003

Correspondence dated 6 May 2003, from the Australian Competition & Consumer Commission in relation to questions taken on notice at the public hearing of 27 February 2003

23/05/2003

Value Analysis, Shareholder v Mutual Structure, provided by Heritage Building Society

27/05/2003

Email correspondence, dated 12 May 2003, from the Australian Bankers’ Association to Senator P Wong, in relation to their analysis of communities without banking services

27/05/2003

Email correspondence, dated 30 April 2003, from Ms Siobhan McDonnell, Centre for Aboriginal Economic Policy Research, to Senator P Wong, in relation to a Reconciliation Australia workshop

21/07/2003

Email correspondence, dated 17 July 2003, from the Nauiyu Nambiyu Community Council, in relation to the public hearing at Daly River on 21 July 2003 and banking issues

22/07/2003

‘Who cares ... our 2003 social impact report’, provided to the committee by Westpac Banking Corporation

22/07/2003

Tangentyere Council Annual Report 2001-2002 and copies of brochures used for electronic banking education

11/09/2003

Correspondence, dated 11 September 2003, from Nyirranggulung Mardrulk Ngadberre Regional Council, in relation to the RTC at Bulman

22/09/2003

Correspondence, dated 19 September 2003, from the Legal Practice Board, regarding the Board’s policy on credit union and authorisation to conduct Solicitors’ Trust Accounts

26/11/2003

Australian Centre for Co-operative Research Development (ACCORD), report titled Community Development Finance Institutions: Evidence for Overseas and Australia, September 2003

01/12/2003

Email correspondence, dated 1 December 2003, from Credit Union Services Corporation (Australia) Limited, in relation to remote banking Palumpa