Pioneering Natural Value

NAB Agribusiness Calendar 2015 The 2015 NAB Agribusiness Calendar celebrates NAB’s ongoing support for natural value. A healthy economy and healthy environment go hand-in-hand, and natural value is all about taking advantage of new opportunities that arise from an increased focus on natural capital and the environment – whether that be water and energy efficiency or advances in pest and waste management. That’s why NAB has established a Natural Value strategy, which focuses on better understanding and managing our own natural capital risks, and backing businesses to do the same. Australian farmers recognise more than anyone the importance of balancing environmental and sustainability concerns with their business operations. There is no shortage of exciting opportunities ahead as we see Australian agribusinesses increasingly taking advantage of sustainability issues that were once considered solely a risk, and leveraging new business opportunities that arise. Having supported Australian farmers and agribusinesses for over 155 years, we understand the important role our farmers play in the progress of natural value. I’m proud NAB was one of the first banks in the world to sign up to the Natural Capital Declaration to build on our understanding of the value natural capital brings to our economy. As we look to 2015, we wish all farmers a prosperous and successful year, and our team looks forward to working with you to take advantage of the opportunities ahead.

Khan Horne General Manager, NAB Agribusiness Cover photo Calendar for 2016 Pangkarra The Maitland family JANUARY FEBRUARY MARCH S M T W T F S S M T W T F S S M T W T F S 31 1 2 1 2 3 4 5 6 1 2 3 4 5 When you work with 3 4 5 6 7 8 9 7 8 9 10 11 12 13 6 7 8 9 10 11 12 the whole system 10 11 12 13 14 15 16 14 15 16 17 18 19 20 13 14 15 16 17 18 19 the soil eventually 17 18 19 20 21 22 23 21 22 23 24 25 26 27 20 21 22 23 24 25 26 takes care of itself. 24 25 26 27 28 29 30 28 29 27 28 29 30 31

For five generations the Maitland family has grown cereals, legumes and hay on their Clare Valley property. Three years ago, they expanded into manufacturing with a range of stone-milled wholegrain pasta made from their own durum APRIL MAY JUNE wheat. They grow wheat using sustainable practices, such as leaving the S M T W T F S S M T W T F S S M T W T F S previous year’s stubble to feed the soil rather than burning it off. They also 1 2 1 2 3 4 5 6 7 1 2 3 4 focus on managing rainfall as efficiently as possible. Along with seven pasta shapes, they’re now selling flour and lavosh across Australia. Their customers 3 4 5 6 7 8 9 8 9 10 11 12 13 14 5 6 7 8 9 10 11 appreciate their healthy and completely natural product which can be traced 10 11 12 13 14 15 16 15 16 17 18 19 20 21 12 13 14 15 16 17 18 from paddock to plate. 17 18 19 20 21 22 23 22 23 24 25 26 27 28 19 20 21 22 23 24 25 24 25 26 27 28 29 30 29 30 31 26 27 28 29 30

2015 School Terms JULY AUGUST SEPTEMBER TERM 1 TERM 2 S M T W T F S S M T W T F S S M T W T F S ACT 02/02 – 10/04 ACT 27/04 – 03/07 31 1 2 1 2 3 4 5 6 1 2 3 NSW 28/01 – 02/04 NSW 21/04 – 02/06 3 4 5 6 7 8 9 7 8 9 10 11 12 13 4 5 6 7 8 9 10 NT 23/01 – 02/04 NT 13/04 – 19/06 10 11 12 13 14 15 16 14 15 16 17 18 19 20 11 12 13 14 15 16 17 QLD 27/01 – 02/04 QLD 20/04 – 26/06 17 18 19 20 21 22 23 21 22 23 24 25 26 27 18 19 20 21 22 23 24 SA 27/01 – 10/04 SA 27/04 – 03/07 24 25 26 27 28 29 30 28 29 30 31 25 26 27 28 29 30 TAS 04/02 – 02/04 TAS 20/04 – 03/07 VIC 28/01 – 27/03 VIC 13/04 – 26/06 WA 02/02 – 02/04 WA 20/04 – 03/07 OCTOBER NOVEMBER DECEMBER S M T W T F S S M T W T F S S M T W T F S 30 31 1 1 2 3 4 5 1 2 3 TERM 3 TERM 4 2 3 4 5 6 7 8 6 7 8 9 10 11 12 4 5 6 7 8 9 10 ACT 20/07 – 25/09 ACT 12/10 – 18/12 9 10 11 12 13 14 15 13 14 15 16 17 18 19 11 12 13 14 15 16 17 NSW 14/07 – 18/09 NSW 06/10 – 16/12 16 17 18 19 20 21 22 20 21 22 23 24 25 26 18 19 20 21 22 23 24 NT 20/07 – 25/09 NT 05/10 – 10/12 (Urban schools only) 23 24 25 26 27 28 29 27 28 29 30 25 26 27 28 29 30 31 QLD 13/07 – 18/09 05/10 – 11/12 (Remote schools only) SA 20/07 – 25/09 QLD 06/10 – 11/12 TAS 20/07 – 25/09 SA 12/10 – 11/12 VIC 13/07 – 18/09 TAS 12/10 – 17/12 WA 20/07 – 25/09 * Northern Territory school term dates will vary for urban and remote schools and NSW school term dates will vary between Eastern and Western divisions. Some dates may be VIC 05/10 – 18/12 student-free days. Note: All public holidays, school terms and featured dates reflect Australian Eastern Standard Time (AEST)/Australian Eastern Daylight Time (AEDT) and are accurate at the time of printing but may be subject to change. WA 12/10 – 17/12 What could be more efficient than using pig manure to power the piggery? January

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DECEMBER FEBRUARY 1 2 3 S M T W T F S S M T W T F S 1 2 3 4 5 6 1 2 3 4 5 6 7 New Year’s Day 7 8 9 10 11 12 13 8 9 10 11 12 13 14 14 15 16 17 18 19 20 15 16 17 18 19 20 21 21 22 23 24 25 26 27 22 23 24 25 26 27 28 28 29 30 31 4 5 6 7 8 9 10 Devonport Cup (Devonport, TAS)

11 12 13 14 15 16 17

18 19 20 21 22 23 24 International Dairy Week Tatura, VIC, 18-22

25 26 27 28 29 30 31 Australia Day Lake Cargelligo Maiden Ewe Competition Lake Cargelligo, NSW

Betta Pork Paul and Dale Brosnan

For 37 years Paul and Dale Brosnan have been pioneers of pig farming in be generating electricity from pig manure and other by-products using one Australia. Today, their trademarked Betta Pork brand is recognised for both of the first biogas facilities of its type, then using the waste to enhance the its quality and its provenance. Their 1300-sow piggery has a new breeder soil where they grow their own feed. All five Brosnan children play a role in site which incorporates leading-edge European design and technology to the operation – and they’re all committed to the sustainable, whole-of-farm ensure they exceed market expectations for welfare. They will soon approach established by their innovative parents. The bottom line is we find ways to make our cows happy. February

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1 2 3 4 5 6 7

8 9 10 11 12 13 14 Royal Hobart Regatta Sungold Field Days Valentine’s Day (Hobart, TAS) Warrnambool, VIC, 11-13

15 16 17 18 19 20 21

22 23 24 25 26 27 28 Launceston Cup Canberra Royal Show (Launceston, TAS) ACT, 27 February - 1 March

JANUARY MARCH S M T W T F S S M T W T F S 1 2 3 1 2 3 4 5 6 7 4 5 6 7 8 9 10 8 9 10 11 12 13 14 11 12 13 14 15 16 17 15 16 17 18 19 20 21 18 19 20 21 22 23 24 22 23 24 25 26 27 28 25 26 27 28 29 30 31 29 30 31

Blackmore Wagyu David Blackmore

Good Wagyu has a melt-in-the-mouth tenderness that attracts a premium price. manure as an organic fertiliser and has planted carefully- selected paddock grasses to And the quality of David Blackmore’s Wagyu is recognised around the world thanks, reduce dust in summer and mud in winter. He also monitors every stage of the ’ he says, to a healthy farm and happy . He gives his animals plenty of space – just life to ensure consistent quality. As a result, David’s biggest day-to-day challenge is 25 cows graze on each five-acre paddock – and allows them to build up their own keeping up with the demand for his beef from some of the world’s leading chefs immunity to minimise the need for antibiotics. He takes care of the waterways, uses and restaurateurs. We’ve always invested in good people who drive us to do things in different ways. March

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1 2 3 4 5 6 7 Labour Day (WA) King Island Show Day Wagin Woolorama Field Days (King Island, TAS) Wagin, WA, 6-7 Wimmera Machinery Field Days Horsham, VIC, 3-5 ABARES Outlook ACT, 3-4

8 9 10 11 12 13 14 Labour Day (VIC) Eight Hours Day (TAS) Canberra Day (ACT) March Public Holiday (SA)

15 16 17 18 19 20 21 St Patrick’s Day Toowoomba Royal Show Lucindale Field Days Toowoomba, QLD, 19-21 Naracoorte, SA, 20-21

22 23 24 25 26 27 28 Farm World Warragul Northern Territory Cattlemen’s Warragul, VIC, 26-29 Association Conference Royal Easter Show Katherine, NT Sydney, NSW, 26 March - 8 April

29 30 31 FEBRUARY APRIL S M T W T F S S M T W T F S Hamilton Show 1 2 3 4 5 6 7 1 2 3 4 Hamilton, TAS 8 9 10 11 12 13 14 5 6 7 8 9 10 11 15 16 17 18 19 20 21 12 13 14 15 16 17 18 22 23 24 25 26 27 28 19 20 21 22 23 24 25 26 27 28 29 30

Skybury Coffee Ian and Marion MacLaughlin

When Ian MacLaughlin produced his first crop of coffee he soon realised that management and, over time, has increased the carbon content of his soil being a good farmer wasn’t enough – he also needed to be good at marketing. tenfold. He has also diversified into papaya and bananas which, as they each In order to create a point of difference, he developed his green credentials, and have different pests, makes the farm less vulnerable to disease outbreaks. His 25 years on he remains committed to the sustainable practices that underpin fruit is sought-after for its flavour and international buyers now recognise the his commercial success. He uses no organophosphates, embraces natural pest outstanding quality of his coffee. I’ve learned more about the science of growing in the last six years than in the previous 28. April

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MARCH MAY 1 2 3 4 S M T W T F S S M T W T F S 1 2 3 4 5 6 7 31 1 2 Good Friday Easter Saturday (except WA) 8 9 10 11 12 13 14 3 4 5 6 7 8 9 15 16 17 18 19 20 21 10 11 12 13 14 15 16 22 23 24 25 26 27 28 17 18 19 20 21 22 23 29 30 31 24 25 26 27 28 29 30 5 6 7 8 9 10 11 Easter Sunday (NSW) Easter Monday Easter Tuesday (TAS) Daylight Saving ends (ACT, NSW, SA, TAS, VIC)

12 13 14 15 16 17 18 Bathurst Royal Show Bathurst, NSW, 17-19

19 20 21 22 23 24 25 ANZAC Day

26 27 28 29 30 ANZAC Day Holiday (WA)

Cracknell Tomatoes Cracknell family

For 28 years Nick and Sue Cracknell grew tomatoes using traditional methods. When heated by a bio-mass boiler that burns discarded timber, the Cracknell family now their son Matthew joined the business as a partner, they invested in a new state- grow tomatoes all year round and have practically quadrupled production. They’ve of-the-art 4,032 square metre glasshouse. Nick’s main concern was loss of flavour, reduced input costs, their carbon footprint and the amount of waste going to but they’re now producing very high quality fruit and receiving regular feedback landfill. Their run-off water is disinfected with ultraviolet light, leaving nutrients from customers about their flavoursome vine-ripened fruit. With the greenhouse intact, so as well as saving water they’re able to use less fertilisers. Solutions to environmental problems aren’t environmental solutions, they’re economic solutions. May

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31 APRIL JUNE 1 2 S M T W T F S S M T W T F S 1 2 3 4 1 2 3 4 5 6 5 6 7 8 9 10 11 7 8 9 10 11 12 13 12 13 14 15 16 17 18 14 15 16 17 18 19 20 19 20 21 22 23 24 25 21 22 23 24 25 26 27 26 27 28 29 30 28 29 30 3 4 5 6 7 8 9 May Day (NT) 2015 Launceston, TAS, 7-9 , QLD, 4-9

10 11 12 13 14 15 16 Mother’s Day

17 18 19 20 21 22 23 Mildura Horticultural Field Days Mildura, VIC, 22-23

24 25 26 27 28 29 30 Campbell Town Show Campbell Town, TAS, 29-30

Ecofuels Australia Peter and Kate O’Donnell and Allan Richardson

Peter O’Donnell fuels his revegetation and mulch-producing business with canola he grows and Working with his wife Kate and partner Allan Richardson, he plans to grow the business by processes himself. The dairy heifers he exports to China are reared on a high-protein by-productincreasing their capacity for raising good quality cattle. They also have plans for new fuel plants of the process, and he uses other by-products to make fertiliser and generate power. And his and small-scale digester units that will produce power, clean water and a range of fertilisers closed loop system makes economic as well as environmental sense – over the past three years from what used to be considered waste streams. He believes that everything produced can be he has increased returns, improved margins and mitigated risk by having more stable fuel prices. used, reprocessed or sold, and that this is the key to commercially-viable sustainable practices. We’ve grown by making the most of our resources and being constantly on the lookout for new opportunities. June Sunday Monday Tuesday Wednesday Thursday Friday Saturday

1 2 3 4 5 6 Western Australia Day (WA) Farm Fest Toowoomba, QLD, 2-4

7 8 9 10 11 12 13 Queen’s Birthday (except WA)

14 15 16 17 18 19 20

21 22 23 24 25 26 27 Borroloola Show Day (Borroloola, NT)

28 29 30 MAY JULY S M T W T F S S M T W T F S End of Financial Year 31 1 2 1 2 3 4 3 4 5 6 7 8 9 5 6 7 8 9 10 11 10 11 12 13 14 15 16 12 13 14 15 16 17 18 17 18 19 20 21 22 23 19 20 21 22 23 24 25 24 25 26 27 28 29 30 26 27 28 29 30 31

Estens Estens family

When cotton-grower Dick Estens decided it was time to diversify his operations, dollars, he also had the bonus of a natural hedge for the US dollar income he he looked for a second crop that was less thirsty than cotton, and resilient earns from cotton. Now he is busy building an export market for orange juice enough to survive frequent and heavy summer storms. Oranges fit the bill and, with the aim of establishing a sustainable citrus industry in North West New when he bought half of Grove Juice in 2008, he satisfied another criterion – a South Wales and South Queensland. guaranteed market before he started planting. As his juice sells in Australian When you understand the biological processes you can work with the land rather than against it. July

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JUNE AUGUST 1 2 3 4 S M T W T F S S M T W T F S 1 2 3 4 5 6 30 31 1 Alice Springs Show Day (Alice Springs, NT) 7 8 9 10 11 12 13 2 3 4 5 6 7 8 Alice Springs Show 14 15 16 17 18 19 20 9 10 11 12 13 14 15 Alice Springs, NT, 3-4 21 22 23 24 25 26 27 16 17 18 19 20 21 22 28 29 30 23 24 25 26 27 28 29 5 6 7 8 9 10 11 Tennant Creek Show Day (Tennant Creek, NT)

12 13 14 15 16 17 18 Katherine Show Day (Katherine, NT) Katherine Show Katherine, NT, 17-18 Australian Sheep & Wool Show Bendigo, VIC, 17-19 19 20 21 22 23 24 25 Royal Darwin Show Darwin Show Day Darwin, NT, 23-25 (Darwin, NT)

26 27 28 29 30 31 Australian Grains Industry Conference VIC, 28-29

Jillamatong Martin Royds and Patricia Solomon

Martin Royds is often asked what sprays he uses to keep his farm completely productivity and his farm, such as planting trees and slowing the flow of water free from weeds. In fact, he hasn’t sprayed for almost 20 years. Since adopting through his land. Today, his cattle graze on 80 different herbs and grasses and, a holistic approach to the land he’s run more cattle and raised healthier stock. as these include a high concentration of native grasses, the pasture is highly And, as he spends little or nothing on fertiliser, weedicides, fungicides and resistant to drought – even when the Shoalhaven River stopped flowing in the animal treatments, he’s able to invest in practices that have a positive impact on dry of 2009 his creek kept on running and his farm stayed green. We’ve created a renewable and sustainable cycle of production where nothing is wasted. August

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30 31 JULY SEPTEMBER 1 S M T W T F S S M T W T F S 1 2 3 4 1 2 3 4 5 5 6 7 8 9 10 11 6 7 8 9 10 11 12 12 13 14 15 16 17 18 13 14 15 16 17 18 19 19 20 21 22 23 24 25 20 21 22 23 24 25 26 26 27 28 29 30 31 27 28 29 30 2 3 4 5 6 7 8 Bank Holiday () Mallee Machinery Field Days Brisbane Royal Picnic Day (NT) Speed, VIC, 5-6 National Show Brisbane, QLD, 7-16 Sheepvention Hamilton, VIC, 3-4

9 10 11 12 13 14 15 Royal Queensland Show Day (Brisbane Metro)

16 17 18 19 20 21 22 Ag Quip Field Days Gunnedah, NSW, 18-20

23 24 25 26 27 28 29 Dowerin Machinery Field Days Dowerin, WA, 26-27

Mackay Sugar Australia’s largest grower-owned sugar producer, Mackay Sugar, has been in business They also have a ‘nothing is wasted’ approach to business, employing a closed-loop system for over 140 years. They were already burning bagasse, a sugarcane by-product, to which re-uses and recycles all of their by-products. They are currently exporting half of power their four mills when, 15 years ago, they saw that this process could potentially their sugar to Korea, Japan, China, Indonesia and Malaysia. CEO Quinton Hildebrand provide a second income stream. They developed a co-generation plant, and this says they plan to continue diversifying their product range for both export and domestic is now feeding enough clean electricity into the grid to power a third of Mackay. sales. Their next environmental target is for the region to be carbon neutral. We used to be the odd one out. Now, more and more people are recognising that they must look after their soil. September

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AUGUST OCTOBER 1 2 3 4 5 S M T W T F S S M T W T F S 30 31 1 1 2 3 Ag Show Toowoomba Newdegate Field Day Royal Show Toowoomba, QLD, 1-3 Newdegate, WA, 2-3 Adelaide, SA, 4-12 2 3 4 5 6 7 8 4 5 6 7 8 9 10 9 10 11 12 13 14 15 11 12 13 14 15 16 17 16 17 18 19 20 21 22 18 19 20 21 22 23 24 23 24 25 26 27 28 29 25 26 27 28 29 30 31 6 7 8 9 10 11 12 Father’s Day

13 14 15 16 17 18 19 Mingenew Expo Royal Show Mingenew, WA, 17-18 Melbourne, VIC, 19-30

20 21 22 23 24 25 26 Henty Machinery Field Days South Gippsland Dairy Expo Henty, NSW, 22-24 South Gippsland, VIC, 23-24 Perth, WA, 26 September - 3 October

27 28 29 30 Queen’s Birthday (WA) Family and Community Day (ACT)

Mara Seeds Pty Ltd Stuart and Katina Larsson

Stuart and Katina Larsson have always maintained an edge by doing things continue to develop award-winning products under their SOFT label (Sustainable differently. In the early days, they exported tropical Rhodes grass to the Middle Organic Farming Techniques), including supplementary stock feed and a range East and pioneered soy bean farming in Australia. Ten years ago they switched to of Biochar products designed to reduce the cost of irrigation as they increase organic farming, and were once again leading the way. Now, while still raising beef, soil fertility. And, by funding research at Central Queensland University, they’re growing soy beans and selling cereal into domestic and overseas markets, they securing the science they need to shape innovative strategies for the future. Recycling water and waste is good for business, good for the environment and valued by our local communities. October

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SEPTEMBER NOVEMBER 1 2 3 S M T W T F S S M T W T F S 1 2 3 4 5 1 2 3 4 5 6 7 Burnie Show Day (Burnie, TAS) 6 7 8 9 10 11 12 8 9 10 11 12 13 14 Burnie Show 13 14 15 16 17 18 19 15 16 17 18 19 20 21 Burnie, TAS, 2-3 20 21 22 23 24 25 26 22 23 24 25 26 27 28 27 28 29 30 29 30 4 5 6 7 8 9 10 Daylight Saving starts Labour Day Day (ACT, NSW, SA, TAS, VIC) (ACT, NSW, QLD, SA) (Launceston, TAS) Royal Launceston Show Launceston, TAS, 8-10

11 12 13 14 15 16 17 Flinders Island Show Day Geelong, VIC, 15-18 (Flinders Island, TAS) Wandin Silvan Field Days Wandin, VIC, 16-17

18 19 20 21 22 23 24 Royal Hobart Show Day Hobart, TAS, 21-24 (Hobart, TAS) Australian National Field Days Orange, NSW, 22-24

25 26 27 28 29 30 31

Thomas Foods International Thomas family

Thomas Foods International is Australia’s largest family-owned agribusiness with 2,500 to treat and store four megalitres – enough to irrigate 120-hectares of pasture. Covered employees across Australia and the USA. CEO Darren Thomas is confident that every wastewater storage lagoons enable the group to produce up to 8,000 cubic metres of methane investment in sustainability benefits their employees, the environment and the overall regional daily, via the latest biogas production technology, offsetting natural gas use and reducing economy. The family is committed to running their facilities in the most environmentally carbon emissions. They’re also committed to the highest standards of animal health and sustainable way. Their wastewater storage treatment facility uses state-of-the-art technology welfare and demand that their supply chain adheres to the same exacting standards. Every time we do something green we save money. November

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1 2 3 4 5 6 7 Recreation Day (TAS) Day (Melbourne metro)

8 9 10 11 12 13 14 Remembrance Day

15 16 17 18 19 20 21

22 23 24 25 26 27 28 Devonport Show Day (Devonport, TAS) Devonport Show Devonport, TAS, 27-28

29 30 OCTOBER DECEMBER S M T W T F S S M T W T F S 1 2 3 1 2 3 4 5 4 5 6 7 8 9 10 6 7 8 9 10 11 12 11 12 13 14 15 16 17 13 14 15 16 17 18 19 18 19 20 21 22 23 24 20 21 22 23 24 25 26 25 26 27 28 29 30 31 27 28 29 30 31

Country Valley John and Sally Fairley

John Fairley’s family has been farming the same Picton property for over and plan to install a renewable energy plant that will eventually make them 150 years. Today, he and his wife Sally are combining sustainable land-care independent of the grid. Meanwhile, the milk they bottle and sell under their own practices with green technology to reduce their dependence on fossil fuels Country Valley brand name is increasingly popular, with many people prepared and synthetic inputs as well as costs. They spread nothing but manure on their to pay a higher price for a premium-quality natural product. Demand has grown pastures, use minimal antibiotics, have solar panels to power their milking shed to the point that they also process milk from seven other like-minded farmers. Decreasing chemical inputs is good for the environment, and good for the hip pocket, too. December

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NOVEMBER JANUARY 1 2 3 4 5 S M T W T F S S M T W T F S 1 2 3 4 5 6 7 31 1 2 8 9 10 11 12 13 14 3 4 5 6 7 8 9 15 16 17 18 19 20 21 10 11 12 13 14 15 16 22 23 24 25 26 27 28 17 18 19 20 21 22 23 29 30 24 25 26 27 28 29 30

6 7 8 9 10 11 12

13 14 15 16 17 18 19

20 21 22 23 24 25 26 Christmas Eve Christmas Day Boxing Day (except SA)

27 28 29 30 31 Boxing Day Holiday New Year’s Eve (except SA) Proclamation Day (SA)

Tahbilk Purbrick family

Established in 1860, Tahbilk is home to some of the oldest shiraz and marsanne it to the public, the number of visitors to the winery has doubled. A program vines in the world. The Purbrick family have been custodians of the estate for of revegetation, organic waste treatment and reducing carbon emissions from five generations and are committed to leaving both a successful business and a vine to customer enabled them to achieve emissions neutral status in 2012 with sustainable environment for generations to come. They developed a wetlands the help of some purchased carbon credits. Now they’re on track to achieving and wildlife reserve from some of their low-lying land and, since they opened a natural carbon balance by 2020. More bankers in more places

Your NAB Agribusiness Bankers are located in: NAB Agribusiness contacts:

NSW QLD VIC SA TAS National Albury Atherton Alexandra Adelaide Burnie Khan Horne General Manager, NAB Agribusiness 0419 682 623 Armidale Ayr Ararat Clare Hobart John Avent Head of Agribusiness, QLD/NT 0408 384 640 Bathurst Beaudesert Bairnsdale Gawler Launceston Geoff Rose Head of Agribusiness, NSW/ACT 0428 265 682 Bega Brisbane Ballarat Jamestown NT Neil Findlay Head of Agribusiness, VIC/TAS 0429 001 886 Cooma Bundaberg Kadina Matt O'Dea Head of Agribusiness, SA/WA 0409 396 469 Benalla Darwin Cowra Charleville Mt Gambier Garry Gale Head of Agribusiness, Development 0414 440 842 Bendigo Katherine Deniliquin Chinchilla Colac Murray Bridge Andrew Mooney Head of Operations & Fulfillment 0429 125 966 Dubbo Cloncurry Echuca Naracoorte ACT VIC East Maitland Dalby Nuriootpa Geelong Canberra Forbes Emerald Port Lincoln Glenn Cox Regional Agribusiness Manager, Melbourne & Geelong 0427 821 181 Hamilton Goulburn Gatton Renmark Lloyd Neilson Regional Agribusiness Manager, Western 0412 747 361 Hastings Grafton Gayndah Strathalbyn Dave Davies Regional Agribusiness Manager, Central Victoria 0429 001 885 Horsham Kathryn Davies Regional Agribusiness Manager, South East Victoria 0429 565 944 Griffith Goondiwindi WA Gunnedah Gympie Kilsyth South Liz Duncan Regional Agribusiness Manager, South West Victoria 0427 175 797 Inverell Hughenden Leongatha Albany NSW and ACT Melbourne Bunbury Lismore Ingham Peter Steele Regional Agribusiness Manager, Sydney & Hunter 0414 440 734 Mildura Corrigin Moree Innisfail Tom Chatfield Regional Agribusiness Manager, Northern NSW 0427 101 107 Monbulk Esperance Mudgee Kingaroy Karl Sinclair Regional Agribusiness Manager, Central & West NSW 0429 001 889 Sale Geraldton Narrabri Longreach Ian O'Callaghan Regional Agribusiness Manager, New England & North Coast NSW 0467 774 714 Shepparton Kojonup Nowra Mackay Darren Kuhl Regional Agribusiness Manager, Southern Tablelands & South Coast 0477 726 492 Swan Hill Kununurra Orange Mareeba Nicole Killen Regional Agribusiness Manager, Riverina 0477 387 661 Penrith St George Wangaratta Narrogin Singleton Rockhampton Warragul Northam QLD and NT Sydney Roma Warrnambool Perth Gary King Regional Agribusiness Manager, South East QLD & NT 0404 083 285 Tamworth Toowoomba Wagin Greg Roberts Regional Agribusiness Manager, Central QLD 0418 762 895 Taree Townsville Jason Lipp Regional Agribusiness Manager, Darling Downs 0428 297 250 Wagga Wagga Stanthorpe Jason Coonan Regional Agribusiness Manager, South West QLD 0427 645 871 Yass Warwick Geoff Howard Regional Agribusiness Manager, North QLD 0429 001 911 Young SA Malcolm Pridham Regional Agribusiness Manager, SA South 0429 001 884 Brian O'Grady Regional Agribusiness Manager, SA North 0477 738 477 With over 620 Agribusiness specialists living and working in local communities across Australia, there’s WA always someone to help you navigate the daily business challenges and realise the opportunities. David Wallace Regional Agribusiness Manager, WA South 0427 004 703 Andrew Clark Regional Agribusiness Manager, WA North 0428 240 277 Talk to a NAB Agribusiness Manager near you or visit nab.com.au/agribusiness TAS David Martin Regional Agribusiness Manager, 0429 313 718 January - Betta Pork February - Blackmore Wagyu March - Skybury Coffee April - Cracknell Tomatoes

May - Ecofuels Australia June - Estens July - Jillamatong August - Mackay Sugar

September - Mara Seeds October - Thomas Foods International November - Country Valley December - Tahbilk

Pioneering Natural Value NAB Agribusiness Calendar 2015

Inside cover - Pangkarra 2015 Rainfall chart January February March April May June DATE DAY MM DAY MM DAY MM DAY MM DAY MM DAY MM 1 THU SUN SUN WED FRI MON 2 FRI MON MON THU SAT TUE 3 SAT TUE TUE FRI SUN WED 4 SUN WED WED SAT MON THU 5 MON THU THU SUN TUE FRI 6 TUE FRI FRI MON WED SAT 7 WED SAT SAT TUE THU SUN 8 THU SUN SUN WED FRI MON 9 FRI MON MON THU SAT TUE 10 SAT TUE TUE FRI SUN WED 11 SUN WED WED SAT MON THU 12 MON THU THU SUN TUE FRI 13 TUE FRI FRI MON WED SAT 14 WED SAT SAT TUE THU SUN 15 THU SUN SUN WED FRI MON 16 FRI MON MON THU SAT TUE 17 SAT TUE TUE FRI SUN WED 18 SUN WED WED SAT MON THU 19 MON THU THU SUN TUE FRI 20 TUE FRI FRI MON WED SAT 21 WED SAT SAT TUE THU SUN 22 THU SUN SUN WED FRI MON 23 FRI MON MON THU SAT TUE 24 SAT TUE TUE FRI SUN WED 25 SUN WED WED SAT MON THU 26 MON THU THU SUN TUE FRI 27 TUE FRI FRI MON WED SAT 28 WED SAT SAT TUE THU SUN 29 THU SUN WED FRI MON 30 FRI MON THU SAT TUE 31 SAT TUES SUN MONTHLY RAINFALL PROGRESSIVE TOTAL TOTAL DAYS OF RAIN RECORDED 2015 Rainfall chart July August September October November December DATE DAY MM DAY MM DAY MM DAY MM DAY MM DAY MM 1 WED SAT TUE THU SUN TUE 2 THU SUN WED FRI MON WED 3 FRI MON THU SAT TUE THU 4 SAT TUE FRI SUN WED FRI 5 SUN WED SAT MON THU SAT 6 MON THU SUN TUE FRI SUN 7 TUE FRI MON WED SAT MON 8 WED SAT TUE THU SUN TUE 9 THU SUN WED FRI MON WED 10 FRI MON THU SAT TUE THU 11 SAT TUE FRI SUN WED FRI 12 SUN WED SAT MON THU SAT 13 MON THU SUN TUE FRI SUN 14 TUE FRI MON WED SAT MON 15 WED SAT TUE THU SUN TUE 16 THU SUN WED FRI MON WED 17 FRI MON THU SAT TUE THU 18 SAT TUE FRI SUN WED FRI 19 SUN WED SAT MON THU SAT 20 MON THU SUN TUE FRI SUN 21 TUE FRI MON WED SAT MON 22 WED SAT TUE THU SUN TUE 23 THU SUN WED FRI MON WED 24 FRI MON THU SAT TUE THU 25 SAT TUE FRI SUN WED FRI 26 SUN WED SAT MON THU SAT 27 MON THU SUN TUE FRI SUN 28 TUE FRI MON WED SAT MON 29 WED SAT TUE THU SUN TUE 30 THU SUN WED FRI MON WED 31 FRI MON SAT THU MONTHLY RAINFALL PROGRESSIVE TOTAL TOTAL DAYS OF RAIN RECORDED ©2014 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686. A112232-1014