MCI and Bond holders. Money invested in an education bond is pooled with other investors and invested in assets. 1300 1300 38. Monday to Friday - 8. Alternatively, our Individual Education Bonds allow you to tailor separate investments for each beneficiary. vn synthesis and compilation. Find out more. Visit our Company performance page for information about Members’ meetings, financial results and to view the latest. Low Rate Visa Credit Card Application Form PDF - 1. Flexible investment options to suit your needs. NGS is run only to. No fees on establishment, contribution, withdrawal or exit. Contact details: Australian Unity Limited 271 Spring Street Melbourne VIC 3000 . Read more >. Located at 114 - 128 Albert Road in South Melbourne, The Alba offers residents premium assisted living and aged care accommodation including a wellness centre, café, cinema, multi-faith space, rooftop restaurant, lounge and recreational spaces. Call our independent & assisted living customer care team Monday to Friday 8. About 18,000 IOOF policyholders will move to Australian Unity, which is already a leading player in investment bonds with more than 180,000 customers and $3. Other providers of education bonds in Australia include Australian Unity and Futurity Investment Group. Product: Lifeplan Education Bond Lifeplan Option Number Investment Option Name. The purpose of the Syndicate-Fund is to assist with the land acquisition at 12-18 Bayley Street & 16 Gheringhap Street, Geelong VIC 3220 (Security Property). 4. Estate administration refers to paying debts and taxes and distributing assets to the beneficiaries as specified in a will. au Cont Australian nity 11 Alert Road Sout elourne I 3205 australianunity. Obviously the sooner you start, the greater the potential benefit as the power of compounding returns (interest on your interest, and growth on your growth) can. On top of coping with your grief, there’s a long list of administrative tasks you may need to work through — it can be overwhelming. 1. 1. Home loan variable interest rates for new and existing. au/wealth Contact us. au 111 Gawler Place. au. Money invested in an education bond is pooled with. A large range of investment options to choose from with the ability to switch between options without personal tax consequences. Email us at: [email protected]. These agreements mean that, depending on your level of cover, you should be covered for most in-hospital charges—minus any excess or co-payment you’re required. 34. a lifetime of education – primary (including pre-school), secondary, and a wide range of tertiary (including TAFE) and special needs education, in Australia and overseas. This guide hasLoading. e nd h e ash. Lifeplan Australia Friendly Society Ltd. You can start with as little as $1,000 with an ongoing savings plan of $200 per month or invest $5000 or more with no savings plan required. 1003. Relative to the previous close share price of $100. These bonds can be purchased through designated institutions where the products are regulated by APRA and the Life Act. 00am - 4. Our financial advisers can help you create a personal plan to achieve your specific retirement goals. 13 29 39 Lifeplan Australia Friendly Society Limited ABN 78 087 649 492, AFS Licence No. Investing for a child’s education through the Lifeplan Education Investment Fund is simple, easy and tax effective. Golden Saver Account interest rate will increase by 0. To invest in a diversified portfolio of shares, fixed interest, mortgages and cash. 237989, as the issuer of the Lifeplan Education Bond. e nd h e ash. Australian Unity Limited 2022 AGM Chair and GMD Address - 26 October 2022. A well-diversified investment portfolio should strike a balance between equities and fixed income, letting you ride. Call customer care. You can withdraw your. W ith regular contributions, the potential benefit of compounding can create powerful opportunities for your future, in. Use our calculator to work out expenses at each education level and then use it to calculate savings needed to fund this education. (applies to the PDS issued prior 1 May 2012) November 2020 Lifeplan Education Bond Performance Update AS AT 30/11/20 d nd nd nd h h e h OPTION CODE 775 774 776 784 783 785 789. 63 billion in community and social value across its health, wealth and care portfolio-an increase from last year’s $1. Property information. A flexible press competitive bursary plan with potential tax benefits and functionality designed specifically to maximise education savings. 45% of the entire amount of eligible income. au/wealtAustralian Unity strengthens investment bond offering. 2bn in funds under management. safeguarding your wealth transfer. Call 1300 160 170. Read continue & Lessons about contribution limits. Read more & Learn about contribution limits. 6 KB. 30am - 5:30pm AEST. 8 billion for an Australian Unity-run healthcare real estate fund as its best and final offer while launching legal action to challenge a move. g. 087 648 888 (‘Australian Unity’) and is part of the group of companies undertaking investment activities at Australian Unity, generally known as Australian Unity Wealth and Capital Markets. 27% Mahindra & Mahindra Ltd. 1015. 1,579 Followers. A Product Disclosure Statement (PDS) has been issued for Lifeplan Education Bond (LEB), effective 29 March 2023. com. 00. Fees, charges and lending criteria apply. This is subject to change and should not be relied upon as the actual closing value for each respective quarter. The shares have a face value of $100. Australian Unity - Investment bonds, Reply Paid 89, Adelaide SA 001 (no stamp required if mailed in Australia) If posting from outside of Australia please send to ead ffice: 271 Spring Street, Melbourne IC 3000 Email [email protected]. 0. As always if you have any questions, please contact us on 13 29 39 if you need help. As always if you have any questions, please contact us on 13 29 39 if you need help. Investments will be made in accordance with the following. Target Market Determination – Funeral Bond Legal disclaimer A Target Market Determination (TMD) is required under section 994B of the Corporations Act. au australianunity. 8 billion Healthcare Property Trust. au/wealth Contact us. Australian Unity. “Traditionally funeral bonds had a limited structure and market and were sold to senior Australians seeking to meet future funeral expenses with the security of a capital guarantee”, he said. Commonwealth Bank Education Savings Plan 14. au or call 1300 1300 38. 237989 Lifeplan Investment Bond Australian Unity Applications Australian Unity Group is a national healthcare, financial services and independent & Applications for. This includes a social impact total of $1. Offering all the features of an Investment Bond, an Education Bond also has special Education Tax Benefits. Australian Unity “It’s never really too late to start saving for ANY purpose, and the same philosophy applies to an education savings fund, also known as an Education Bond. Personal Loan Application Form PDF - 865. An Education Bond is a dedicated, tax effective investment for education, but can also be used for other purposes. Product issuer and finance. Lifeplan Education Bond Weekly Unit Price Update Contact us Investor Services Adviser Services A Australian Unity E enquiries@australianunity. 00 percent and. Ms Chung was appointed to the board of Australian Unity Limited on 30 June 2017 and appointed Chair on 26 October 2022. 237989 (‘Lifeplan’) is a leading provider of tax effective investment products, such as investment bonds, education bonds and funeral bonds. a lifetime of education – primary (including pre-school), secondary, and a wide range of tertiary (including TAFE) and special needs education, in Australia and overseas. au australianunity. Investment option list. In deciding whether to acquire, hold or dispose of the. We’re proud to reward you with offers across a wide range of Australian Unity products. dssolhv wr wkh 3'6 gdwhg diwhu 0d /lihsodq (gxfdwlrq %rqg 3huirupdqfh 8sgdwh $xjxvw $6 $7 $ 0 3 & d s l w o % o d q f h g * u r z w k &) 6 l u v w kInvesting in an Education Bond can be a tax-effective way to save for a child’s education. Australian Unity Bonds's (AYUHB) share price movement is 0% when compared to 7 days ago and is n/a below AYUHB's 52-week high of n/a. Education bonds an investment in a smarter future: Foresters. Investments made will be in accordance with the following parameters: Asset allocation ranges (with benchmarks in brackets): international shares 0-10%. Learn more &. As long-term, growth investments, Education Bonds can help parents and. Investments made will be in accordance with the following parameters: Asset allocation ranges (with benchmarks in brackets) Australian shares 35-45% (40%), international. Insert the name, address and occupation (or alternatively, The Lifeplan Education Investment Fund can be used for a lifetime of education – primary (including pre-school), secondary, tertiary (including TAFE) and special needs education, in Australia and overseas. 237989 (‘Lifeplan’) is a leading provider of tax effective investment products, such as investment bonds, education bonds and funeral bonds. ) (Please refer to the Education Claim notes located on the next page. Ability to automatically increase your contribution levels each year. A Australian Unity E enquiries@australianunity. a. Established in 1840, we were Australia's first member-owned wellbeing company, offering our members and customers health, wealth and care services. a for balances more than $48,001. 1009 1011. The Platinum Investment Bond (Bond) is an investment vehicle that offers potential tax advantages not available through many other savings and investment products. The strategy of the Australian Unity - High Growth Bond managed fund is To invest in a diversified portfolio of Australian and international shares and cash. 10-year pa. 30 billion as at 30 June 2022. At Australian Unity, we seek to support the financial wellbeing and resilience of our members and customers through the delivery of tailored products and services. Australian Unity Bank has detected a number of unauthorised attempts to access online banking accounts. 5bn and 175,000 members and customers. Below is a guide to help you understand which fees may apply to you. Lifepan Education Bond Issued by ifeplan Australia Friendly Society imited (Lifeplan) AB 8 4 492 AFS icence o. Call us. 237989 GPO Box 89 Adelaide SA 5001 T (Adviser) 1300 133 285 E investmentbonds@australianunity. au/wealt Ivest Services enquiriesaustralianunit. Wellbeing company Australian Unity has been recognised at the Reader’s Digest Quality Service Awards, winning Gold in the categories of Home Care Services Victoria/Tasmania and Aged Care and Retirement Villages. 1 billion. Lifeplan. Statement which is available by logging in to MyASG or you can obtain a copy by calling us on 1300 345 456 for Australia and 09 366 7670 for New Zealand. Our range of health, wealth and care products and services provides member, customer and community value that is supportive of personal and community wellbeing. It is supported by committees. Over $1,307. Enter your current internet banking password. Changes to contribution and living allowance limits . complementing your super. Lifeplan has total funds unde r management and administration of $1. Australian Unity - Investment bonds, Reply Paid 89, Adelaide SA 5001 (no stamp required if mailed in Australia) If posting from outside of Australia, please send to ead Office 271 Spring Street, Melbourne IC 3000 Email enquiries@australianunity. 17% FUT DEC 23 SFE 3Y T-BOND 2. On 3 November 2021, Australian Unity issued a further $230 million of MCIs under a prospectus lodged with ASIC dated 11 October 2021 (‘2021 Prospectus’), as supplemented by a supplementary prospectus dated 15 October 2021 (‘Supplementary Prospectus’ and together with the. 7 KB. E. Contact us Investor Services Adviser Services Australian Unity E enquiries@australianunity. You don't need to declare on going earnings in your annual tax return. com. Australian Unity was founded on social values and community contribution and has a 180 year history of providing products and services that meet the needs of the community. About Australian Unity. 1 MB. au 1300. Kids Saver Account Application Form PDF - 949. Lifeplan. 2bn in funds under management. NorthWest Healthcare Properties raised its bid to $2. 30 billion as at 30 June 2022. com. 30 billion (as at 30 June 2022) in funds under management (FUM) in education, investment and funeral bonds. We offer a comprehensive and innovative suite of funds and services that have a dual outcome focus. Interest payment AYUHD - 17 October 2022. This corporation was registered on 1993-09-22 and was issued with the 087648888 ACN. to 3. About Australian Unity. Please refer to the current Product Disclosure Help & assistance. “As Australia's first member-owned wellbeing company, responsible corporate citizenship is a fundamental part of our identity and offering,” said Kerr-Smith. Call customer care. Commonwealth Bank Education avings Plan. -ENDS- Media contact: T: 1300 408 776 E: media@australianunity. com. Travel insurance is issued and managed by AWP Australia Pty Ltd. 1300 133 285. See more content at Australia by website daotaonec. calculator. Start investing with as little as $1,000. ‘market value’ or ‘net asset value’), may not necessarily be consistent with terminology in the latest australianparticipation in our accountants’ partnership program. 237994, 271 Spring St, Melbourne, Victoria 3000. A number of those tasks may relate to family or a relative’s finances and the estate, from dealing with their bank and paying for the funeral to working through. 1015. 2019 . Australian Unity Investment bonds Reply Paid 9 delaide S 001. Altius Green Bond Fund Altius Sustainable Bond FundLifeplan Australia Friendly Society Limited ABN 78 087 649 492, AFS License No. 25 or 0. “We plan to defer the implementation of the 2023 premium increase by seven months from 1 April 2023 to 1 November 2023,” Ms Windsor. a. Email us. com. Lifeplan is a subsidiary of Australian Unity Limited ABN 23 087 648 888 (‘Australian Australian Unity - Investment Bonds Reply Paid 3753 elbourne IC 06 (no stamp required if mailed in Australia) If posting from outside of Australia, please send to: GPO Box 43 elbourne IC 3001 Contact us Australian Unity GPO Box 39 Melbourne IC 3001 australianunity. Access to an experienced team of Australian share portfolio. com. Lifeplan Education Bond Lifeplan Need help logging in? Can't find your bond listed? Please contact us or call on 1300 1300 38 between 8:30am to 5:00pm Monday - Friday AEST. New home loan rates. Investing in the Australian Unity PRO-D Balanced fund, as this is a diversified managed fund, as this is a diversified managed fund which provides stable income and some capital growth over the long term. Email: [email protected] constitutes a movement of $0. 9%: Centuria : Centuria Investment Bond: Growth Bond Fund: 1. The $140 million hospital is owned by Australian Unity’s $3. Basic expenses can include tuition, uniforms and books. Wherever you’re at, the Lifeplan Investment Bond will help keep your goals on track, with a diverse range of investment strategies for: tax effective portfolio management. * If you have a FuneralPlan Bond and have assigned ownership to your funeral director you will not have access to this portal. Email. Superannuation and retirement planning. Enter your new password. An investment bond is a unique tax-effective alternative to traditional savings and investment products. Read more & Learn about dues limits. au 111 Gawler Place, Adelaide SA 5000 T 1300 1300 38 T 1300 133 285 W australianunity. 5. Right now, we’re recruiting for a range of allied health roles to support our customers in the community. com. Australian Unity finalises Greengate purchase - 7 July 2021. Regular withdrawal request form. Can invest a single amount or can choose to add to your initial investment each year. au 111 Gawler Place, Adelaide SA 5000 T 1300 1300 38 T 1300 133 285 W australianunity. IOOF WealthBuilder is issued by Australian Unity Life Bonds Limited (AULBL) ABN 21 087 649 625, AFS Licence number 230522, a wholly owned subsidiary of Australian Unity Limited ABN 23 087 648 888. About this Product Disclosure Statement (‘PDS’) The Lifeplan Education Bond (‘Fund’) is an investment product issued by Lifeplan. In FY22, the Australian Unity’s $3. au E [email protected]. 4423. Lifeplan has total funds under management and administration of $2. a. As one of Australia’s original social enterprises with a history dating back to. It is not intended to be presented to or used by retail investors. au Joined February 2011. 10. Colin Falls Senior Business Development Manager - NSW/ACT Investment Bonds LinkedIn Email 0434 338 278 . T . Easy to invest, minimum investment is $5,000. Funeral Plan Management Pty Ltd ABN 30 003 769 640 is a wholly owned subsidiary of Lifeplan Australia Friendly Society Limited ABN 78. com. . com. au |W australianunity. Futurity EdSaver is an Education Bond, which is a savings and investment product designed specifically to meet the costs of education. 30% p. Memorandum of transfer form. Australian Unity - Investment bonds, Reply Paid 9, Adelaide SA 001 (no stamp required if mailed in Australia) If posting from outside of Australia please send to ead Office: 11 Albert Road, South Melbourne IC 205 Fax 100 04 0 Email enquiries@australianunity. Investments Insurance Financial advice Trustee services. CSS ErrorBanking products are issued by Australian Unity Bank Limited ABN 30 087 652 079 AFSL/Australian Credit Licence No. Education Bonds are investment-linked life. An education bond or education savings plan is a flexible and tax effective investment vehicle that allows you to prepare for the cost of a child’s education. Australian Unity Bonds are debt instruments issued by Australian Unity Limited pursuant to the Base Prospectus and an Offer Specific Prospectus. E. 1300 133 285. com. Lifeplan Education Bond - AMP Capital Balance. Full Year Investor Update Invitation - 30 August 2021. Investments made will be in accordance with the following parameters: Asset allocation ranges (with benchmarks in brackets) Australian shares 35-45% (40%), international. They don’t only offer domestic support, such as cleaning and shopping, carers are encouraged and supported to think more broadly about a customer’s wellbeing and what matters to them. Study 5 hours ago WebThe Bond covers primary, secondary and a wide range of tertiary education including training courses provided by universities, TAFE, colleges, and accredited Australian and overseas organisations. 67%. Welcome to Our Impact 2023. com. On 1 October 2019 the contribution limits changed for the Lifeplan Education Bond (Australian Unity Education Savings Fund). IT requirements include computers, notebooks, iPad, phones and other technology required by the student. career advices, the childs own internet profile for support, even a fancy. Lifeplan is a subsidiary of Australian Unity Limited ABN 23 087 648 888 (‘Australian Unity’) and is part of the group of companies undertaking investment activities at Australian Secure a child’s financial future. Email: australianunitywealth@unitregistry. Appointment of Chair and Deputy Chair – 26 October 2022. 593. 30 billion (as at 30 June 2022) in Funds Under Management (FUM) in education, investment and funeral bonds. The listing of Australian Unity Securities on the ASX does not affect Australian Unity Limited’s status as a mutual entity. Building strong and respectful relationships. 61% National Australia Bank 2. Basic expenses can include tuition, uniforms and books. Our governance structure. education bond for 10 years or more and adhered to the 125% rule), although the consumer may benefit from a 30% tax offset against their assessable earnings; it allows consumers the flexibility to change their nominated student beneficiary at any time through the life of the education bond; These guides may assist Australian resident individual investors in preparing their income tax return for the financial year ended 30 June 2023. Australian Unity Full Year Accounts - 7 September 2021. 8 billion Healthcare Property Trust (AUHPT)—the largest unlisted healthcare REIT in the country—will re-open on Monday 6 March for a limited period to seek to raise approximately $350 million to provide funding for upcoming acquisitions and developments and to strengthen its balance sheet by reducing gearing. calculator. Extra 20% Off All Plans. au 111 Gawler Place. Call 1300 670 230 Schedule a call. com. Australian Unity - Investment bonds, Reply Paid 89, Adelaide SA 001 (no stamp required i mailed in Australia) I posting rom outside o Australia please send to ead Office: 114 Albert Road, South Melbourne IC 3205 FaxA term deposit is great if you’re looking for a low risk, predictable savings option. au E investmentbonds@australianunity. 00pm and weekends 8. Watching the performance of your investment return over time or check how your investment has performed during a period. au/wealth F 1800. com. Ask us Submit an query FAQs. Improve or maintain Centrelink entitlements while reducing tax. Futurity Education Bond Range. % p. 237989 (‘Lifeplan’) is a leading provider of tax effective investment products, such as investment bonds, education bonds and funeral bonds. 32. The Australian Unity Green Bond Fund invests in a combination of green, social and sustainable fixed interest securities with the primary. Australian Unity Bonds Series C's (AYUHC) share price movement is 1% when compared to 7 days ago and is -0. Performance charts for Australian Unity Capital Guaranteed Funeral Bond - Untaxed Fund (AUS0305) including intraday, historical and comparison charts, technical analysis and trend lines. Education. With an investment bond, we pay the tax on your earnings to the ATO at the 30% company tax rate within the bond, so you don’t have to include it in your personal tax return whilst you’re invested. The Bond is about establishing a long-term plan for investing. 06 July 2020. Australian Unity Bank Limited is covered by the Australian Government guarantee on deposits, for more information please view our page. A term deposit provides certainty around the interest you will receive. 21. a robust and client-focused investment philosophy. Education Bonds are investment-linked life. A flexible additionally competitive scholarship plan with capacity tax benefits also features designed specifically to maximise education savings. The Fund is an unlisted property fund that owns properties across Australia, diversified across convenience retail, office and industrial sectors. 10Invest Capital Guaranteed Deferred Annuity Community Bond10060 LIF0109AU Australian Unity Property Income Open Daily. 111 Gawler Place, Adelaide SA 5000 . com. Via we. If you’re interested in starting a career in care, we are hiring now. 10. 30am to 5. AS AT 30/09/22. 2019 Capital Guaranteed Deferred Annuity : 27. Additional deposit and regular savings plan form. Bachelor of Arts - BA/ Bachelor of Laws - LLB, Honours. Tweets. Australian Unity (Wealth (Investment Bonds) offers three tax effective investment solutions that can be used for wealth creation, estate planning or as an alternative to complement superannuation. 10096 LIF0706AU PIMCO Australian Bond Fund Open Daily. au. how you can ask us to correct your information or make a complaint about how we have managed your information. Peers. 234456. 30pm AEST. I had a representative from the Australian Scholarship Group pay me a visit and ran me through the in's and outs of the program. com. com. The hospital is operated by Unitas Healthcare as its major tenant under a 30-year lease. Australian Unity Bank's BSB number is: 803-228 Get in touch with us 13 29 39 Contact us Health insurance Independent & Assisted Living Banking. Please use BLOCK letters and a black or blue pen. Balances up to $500k are eligible to earn the bonus interest rate, however any balances above $500k. Register now. 14. com. Australian Unity Bank Limited is wholly owned subsidiary of Australian Unity Limited. au E [email protected] your communication preferences to receive annual reports and notification of general meetings. 2019 . The Plan is simple to use, is flexible, has tax advantages to help you meet the challenges of education and has a unique design that sets it apart from other savings and The issue most closely resembling the Australian Unity bond is a subordinated bond issued by Suncorp. An investment in a concentrated portfolio of Australian shares that aims to deliver strong returns over the medium to long-term. com. Use our calculator to work out expenses at each education level and then use it to calculate savings needed to fund this education. Australian Unity’s Group Managing Director, Rohan Mead said the Group was proud to play a significant role as a mutual organisation in identifying and investing in key and in. Australian Unity is committed to. Established in 1840, Australian Unity is. Adnan Glinac, an Australian Unity executive general manager, says a parent starting an education savings policy with a balance of $20,000 when their child is 15 who makes additional payments of. The RAM Education Investment Plan operates as a Scholarship Plan in accordance with the Income Tax Assessment Act 1997. Overseas interest rate hikes could hit Aussie investment market. Extracurricular activities include clubs, drama, sports, music or art activities. In the case of a $10,000 investment achieving a. We’ve been doing this for over 180 years. The Board sets the strategic direction of the Group, its risk management framework and risk appetite. com. You should check your fund manager or adviser statements to find out. Australian Unity has launched an education savings plan, the first issued by a major friendly society for more tAustralian Unity Limited is a limited by both shares and guarantees, listed public company, Australian public company. Email enquiries@australianunity. A. 2013 - 2017. (Please refer to the Non-Education Claim notes located on the next page. Can invest a single amount or can choose to add to your initial investment each year. Likes. These changes affected the maximum total contributions and the living allowance, per student or child. Established in 1840, Australian Unity is a member-owned wellbeing company with 260,000 members and more than 700,000 customers. Established in 1840, Australian Unity is Australia’s first member-ownedAbout Australian Unity and Lifeplan Lifeplan is a market leader in tax effective investment products, with $2. au E [email protected] Bonds are a tax effective investment Ahead of the pack for tax-effective education investing Futurity Education Bonds are a smart tax-effective choice, offering. An Education Bond is a tax-effective investment product designed to help meet the cost of education. Education bonds are a type of long term investment vehicle that cover the expenses for primary, secondary, and post secondary education, including training. The following four examples demonstrate how education and non-education claims. com. E: media@australianunity. 34. 33 billion Healthcare Property Trust approved a comprehensive ESG plan to support its ambitions to: maintain its global and domestic leadership position. An investment bond is similar to a managed fund -- but is typically sold through insurance and mutual companies (like AMP, Australian Unity, GenLife, etc). gov. Description. 90% p. au. Additional life insured nomination form. com. au 111 Gawler Place, Adelaide SA 5000 T 1300 1300 38 T 1300 133 285 W australianunity. About this Product Disclosure Statement (‘PDS’) The Lifeplan Education Bond (‘Fund’) is an investment product issued by Lifeplan. Australian Unity is governed by its Board, which is predominantly composed of independent non-executive directors. Lifeplan Investment Bond Lifeplan Education Bond FuneralPlan BondBond this financial year, you have to add the TTC for each withdrawal and use the combined figure in your Individual tax return. Australian Unity and Lifeplan Lifeplan Australia Friendly Society Limited (Lifeplan) is a market leader in tax effective investment products, with $2. 2019 Australian Unity Education Savings Fund (Lifeplan Education Bond) 11. To unlock your access, please call us on 1300 790 740 Monday to Friday. 15% p. All codes are free and verified here!. The FuneralPlan Bond also provides an opportunity to tap into new markets, according to Mr Bird. The Pro-D High Growth Fund holds a diversified portfolio of investments across major asset classes. bonds, education bonds and funeral bonds. 18 or 0. At current tax rates, this credit can be worth up to $30 for every $70 of withdrawn earnings. Trustee services are not only for the wealthy. com. 37% Australia and New Zealand Banking NCD 3. drive tenant and investor engagement.