Bendigo Bank Elanora Branch Chair's Report

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Supporting youth in our community Shareholder news Board observer New Directors Summer Advert space To further expand educational opportunities We welcome Peter Dirkx and Sean Powell Shareholder dividend 2020/21 for youth, the Board reignited the Board Please supply advert from as appointed Directors of Tugun & District The Board of Directors are pleased to declare a fully Observor Program, which allows students to Outfit at Finances Limited. Peter has a long history franked shareholder dividend of 7c per share for the gain first hand experience on how a local, with Community Bank Tugun, starting out financial year ending 30 June 2020. The total amount 95mm width x 140mm height. public company operates. We welcomed as the inaugural Branch Manager when of dividends paid to the shareholders is $552,000 at Year 10 students of PBC State High School, the branch opened in 2003. Peter has since a return of 92c per share on investment. The dividend At approval stage, select the Xalia Smith and Isabella Edge to the embarked on a new career at HOTA as will be paid directly to a nominated account on program where they attended parts of the high resolution pdf option for Corporate Partnership Manager. Peter brings a wealth of 4 December 2020. If you have closed your account monthly Board meetings and participated knowledge and history to the Board. or changed address, please notify us by contacting downloading. in the Virtual Youth Hub committee to May Executive Assistant Maris Dirkx on 0421 215 596 or by assist with this initiative. Their perspective Sean, who resides in the local area, 2020 email at [email protected] Note: Bart’n’Print does not have and input are very valuable to the project is a solicitor of the Supreme Court of and their questions at Board meetings Queensland and Solicitor of the High access to Outfit We continue to support youth programs and initiatives, which will provided an insight to young adults learning Court of Australia and specialises in assist in providing opportunities and experiences of benefit to youth experiences. They also participated in a wills and estates, commercial and estate on their journey to adult life. These opportunities include areas such litigation for a local practice. He is well Newsletter Q&A at the recent AGM where they spoke Staff news as sport, education, health, support services, events and much of their experience and the benefits of the qualified in his field and is a member of the Community Bank • Tugun more. We were pleased to again offer the Community Bank Tugun program. Congratulations to both Xalia and Queensland Law Society and the New South Wales Allan celebrates 10 years Scholarship Program where two local students received $5,000 Isabella and we wish them well for their Law Society. Congratulations to Branch Manager each to assist with the costs associated with furthering their studies future endeavours. Both Peter and Sean are warmly welcomed to the team as Chair’s report Bendigo Bank Elanora Allan Merlehan who celebrated 10 years of through tertiary education. Both recipients are volunteer Directors. from PBC SHS, with Regan Hickey now attending service with Community Bank Tugun earlier Welcome to the 2020/21 Summer edition of branch Queensland Conservatorium of Music and this year. Allan is dedicated to his role in the newsletter which is jam packed with some studying a Bachelor of Music (Jazz) and Jackson assisting our customers with all of their great community stories. Due to the impact of Following the announcement by Bendigo North is attending Southern Cross University, financial needs as well as being a great the pandemic on families, businesses and our Bank that the corporate branch at Elanora undertaking a Bachelor of Sport and Exercise leader to his team. Well done Allan! partner organisations, this has proved to be a will be closed, the Board of Directors Science. We would like to congratulate both very difficult year within our community. considered the viability and benefits to Regan and Jackson on their achievements. We Talk to us today the company to purchase a portion of the Debbie joins our team I am pleased to see that the imposed restrictions are pleased to announce that the 2021 Scholarship Elanora branch book. Community Bank due to COVID-19 has eased somewhat and Program is now open. Further information can Welcome to Debbie Hinton, Customer our lives are resembling some kind of normality. We realise The Board ensured that due diligence be found at www.bendigobank/scholarships Tugun Service Officer to the Tugun team. Debbie however, that this is not the case for all, particularly with reduced was exercised by obtaining legal and Applications close on 27 January 2021. Shop 1-3, 482 Golden Four Drive, Tugun QLD 4224 joins us from the Elanora branch and brings employment opportunities and the challenges of living so close to financial advice. After prudent deliberation, over 10 years banking experience. She is a P 07 5559 5700 the QLD/NSW border. Importantly though, we hope you and your the company agreed to proceed with welcoming familiar face for Elanora branch the partial purchase of the book of $56 E [email protected] loved ones have remained safe and healthy. customers and is enjoying working at the million in lending and deposit business. The branch management and staff have been outstanding in bendigobank.com.au/tugun branch and assisting our customers. The acquisition will provide an increase in focusing on ensuring that our customers are well supported during Our new Complete Home Loan… income for the business and further business /TugunCommunityBankBranch these challenging times, and they continue to assist those who development opportunities. …takes care of you completely. Great rates and 100% offset make the Cameron and Hayley tie the knot are facing financial hardship due to their circumstances. I would The merge has provided Elanora branch Complete Home Loan one of our most exciting home loans yet! We’re open: Congratulations to like to take the opportunity to acknowledge and thank our Branch customers a convenient alternative to 9.30am - 5.00pm Monday to Friday Cameron McDonald, Manager Allan Merlehan and his team Lorne, Cameron, Julie, So whether you’re buying your ﬁrst or next home, reﬁnancing or investing, maintain their Bendigo Bank products 9.00am - 12 noon Saturday Customer Relationship Bronwyn, Debbie, Renae and Jennifer for their ongoing dedication the Complete Home Loan has you covered. and services whilst banking with a branch Officer and his fiancee’ to our customers and business. that continues to support community Chat to a home loan specialist today, phone Allan on 07 5559 5700 or Hayley who tied the knot If you are not already a customer, we invite you to consider the organisations in the local area including search Bendigo Bank home loans. Directors on 31 October 2020 at wide range of Bendigo Bank products and services. Your banking Lisa Fitz Gerald (Co-chair), Elanora. Community Bank • Tugun Tweed Heads. After having will help contribute to the support of local community projects Cameron Window (Co-chair), Bob Marshall, to reschedule the wedding and initiatives as a portion of the profits generated from your We are confident that the Elanora branch Colin Woodward, Norbert Benton, Chris Crawford, due to the pandemic banking business is returned to the community in sponsorship and customers will be welcomed by our Tugun Kelly Sawden, Peter Dirkx, Sean Powell restrictions, Cameron grants. You can contact our Branch Manager Allan Merlehan or staff as well as a familiar face with Debbie Hinton, Customer Service Officer, now Tugun & District Finances Limited and Hayley celebrated his team on 07 5559 5700 for further information. with family and friends joining our team. Shop 1-3, 482 Golden Four Drive, Tugun QLD 4224 Lisa Fitz Gerald with celebrations held in ABN 57 102 056 306 Co-Chair Queensland and New South Wales. We wish Cameron and Hayley our very best wishes for a happy future together.

Terms and conditions, fees, charges and lending criteria apply. All information including interest rate is current as at 7 September 2020 and may be subject to change. Full details available on application. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879. A1419239 OUT_1673368, 24/11/2020 Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879. (BNPNL0522) (11/20) bendigobank.com.au

BNPNL0522 Tugun.indd 1 25/11/20 2:47 pm Regrettably, the pandemic forced us to cancel the Community Sponsorship Program this year. We are continuously assessing New kitchen for Seahawks Annual General the impact of the pandemic on our business, if any, whilst still managing to work behind the scenes on a very exciting project, Youth Hub as well as maintaining existing partnership commitments. You will read more about these projects and partnerships overleaf. Meeting We have kept you informed over the last We aim to return the Community Funding Program in 2021 to further assist local community organisations. two years on our involvement in the Youth The Annual General Meeting is a Hub project which originally stemmed as requirement to report on the financial Currumbin Alley Boardriders an idea from our Community Forums held year to our shareholders as well as in 2018 and 2019. Both City of Gold Coast an opportunity to bring together our Currumbin Alley Boardriders is a community based club councillors, Division 14 Cr. Gail O’Neill and community partners and connect with which prides itself on being the only Boardriders club on Division 13 Cr. Daphne McDonald have other community representatives. the Gold Coast and offers free junior development and worked tirelessly for a Community Youth This year, 40 people attended the event, high performance programs. Our sponsorship supports the Hub which will be located at the Palm where after the formal processes were club to continue with hosting competitive surf competitions Beach Aquatic Centre. We are grateful to completed, we had an informative and enabling members to compete in both club and high both councillors for their commitment to our presentation by the President of the performance levels such as national and state titles. Director community and we look forward to seeing Virtual Youth Hub, Shiike’ Vanderwerff, Sean Powell attended the recent Bendigo Bank day and the start of development works. The Tugun Seahawks Junior Rugby League Club were pleased to as well as a Q&A with our 2020 Scholarship enjoyed watching some great surfing. receive sponsorship funding to assist with the upgrade of their kitchen In the meantime, we have been working on recipients and Board Observors about For more information, visit: www.alleyboardriders.com.au to provide an extensive range of food and beverage for members and delivering a Virtual Youth Hub to enable their respective programs. families on game days, training nights and other events. The upgrade young adults and parents, convenient Storyfest on the Road will also increase the opportunity to generate more income for the club. access to information on various support services, community organisations and We continued the trail with Storyfest on the Road earlier For more information, visit: www.tugunseahawksjrlc.com this year where we visited Elanora State School with local clubs to help navigate and encourage a author Lucas Proudfoot who provided an entertaining New trailer for a community garden positive life pathway for youth. workshop on story writing to students. The students listened attentively whilst Lucas shared his story writing experiences. The students had an opportunity to create their own story with guidance from the much loved author. We look forward to getting back on the road in 2021 where Tugun Lights Up returns for we will visit another local school to help foster the love of another year presented by books and reading and writing. A committee of over 30 volunteer community members have worked Looking after our wildlife Division 14 Cr Gail O’Neill in For more information on Storyfest, visit: together since July 2020 to bring the partnership with Community www.storyfest.com.au The devastating bushfires across the nation earlier in the year highlighted the Bank Tugun, a Tugun Progress project to fruition. The website will vulnerability of wildlife during such a disaster where millions of animals were Association event – will be a New wheels for Pacific SLSC be a convenient resource for youth to injured or lost. The Tugun Village Business Networking event in March was celebration not to be missed. encourage active involvement in our Pacific Surf Life Saving Club is a small family club focused community and seek guidance, if needed. held at CWS Animal Hospital to help raise awareness of the plight of injured, Be sure to save the date: on educating and developing members to ensure they have The HubbleGC website and social media sick or orphaned wildlife in our local area. Over 80 business and community Saturday 5 December 2020 organisation representatives attended the event to help support the wonderful the necessary life saving skills for patrols on Pacific beach. A platforms will be launched during the 4.00 – 8.30pm Southern Beaches Community Garden, located in Tugun provides work of the hospital staff and volunteers and raise much needed funds to tractor was provided to the club to assist with the large amount 2020/21 summer. Keep an eye out for more Toolona Street, Tugun members and locals an opportunity to share in the love of gardening support their efforts. To further assist the great work of the hospital, the Board of equipment that needs to be moved such as the patrol arena information on our Facebook page at as well as free workshops and sharing knowledge on sustainable of Directors were pleased to provide $15,000 over three years to help maintain The much loved event will and inflatable rescue boards. The tractor will assist volunteer TugunCommunityBankBranch or why not and environmentally friendly gardening ideas. The sponsorship of a rescue vehicles on the road to collect injured wildlife. return with a wide range of life savers to do their work more efficiently and effectively. come and say hello at our stall at Tugun galvanised trailer ensured the club had a convenient and efficient way entertainment for the whole Lights Up. For more information, visit: currumbinsanctuary.com.au/wildlife-hospital For more information, visit: www.pacificslsc.com to transport tools, equipment, fertiliser and green waste for community family including Christmas based projects and events. Markets, roving performers, Christmas Storyfest, children’s For more information visit: entertainment, live music and www.southernbeachescommunitygarden.com/ local business specials. Supporting local artists This is a COVID safe event. Healthy break for nippers The 2020 Artist Peer Award at SWELL Sculpture Festival is voted by the fellow We hope you can join us! Palm Beach Surf Club has the largest Nippers program in artists of SWELL in recognition of the creative talent and interpretation. It was the Point Danger branch and runs weekly training sessions For more information visit a pleasure to again sponsor the award with the ‘Umbrella Effect’ taking out for local nippers. The club is a family orientated club which www.tugunlightsup.com.au the award which was created by three young artists from the Gold Coast. The provides programs in all aspects of life saving. We were sculpture is referencing the current imbalance of our environment, climate and pleased to support the fruit break initiative where nippers culture which is represented with the three umbrellas positioned upside down and are provided with nutritious snacks during training sessions. on an angle. Congratulations to the winners. We also supported the purchase of a BBQ to help with For more information, visit: www.swellsculpture.com.au fundraising efforts for the club. For more information, visit: w w w . p a l m b e a c h s u r f c l u b . c o m . a u

BNPNL0522 Tugun.indd 2 25/11/20 2:47 pm Supporting youth in our community Shareholder news Board observer New Directors Summer Advert space To further expand educational opportunities We welcome Peter Dirkx and Sean Powell Shareholder dividend 2020/21 for youth, the Board reignited the Board Please supply advert from as appointed Directors of Tugun & District The Board of Directors are pleased to declare a fully Observor Program, which allows students to Outfit at Finances Limited. Peter has a long history franked shareholder dividend of 7c per share for the gain first hand experience on how a local, with Community Bank Tugun, starting out financial year ending 30 June 2020. The total amount 95mm width x 140mm height. public company operates. We welcomed as the inaugural Branch Manager when of dividends paid to the shareholders is $552,000 at Year 10 students of PBC State High School, the branch opened in 2003. Peter has since a return of 92c per share on investment. The dividend At approval stage, select the Xalia Smith and Isabella Edge to the embarked on a new career at HOTA as will be paid directly to a nominated account on program where they attended parts of the high resolution pdf option for Corporate Partnership Manager. Peter brings a wealth of 4 December 2020. If you have closed your account monthly Board meetings and participated knowledge and history to the Board. or changed address, please notify us by contacting downloading. in the Virtual Youth Hub committee to May Executive Assistant Maris Dirkx on 0421 215 596 or by assist with this initiative. Their perspective Sean, who resides in the local area, 2020 email at [email protected] Note: Bart’n’Print does not have and input are very valuable to the project is a solicitor of the Supreme Court of and their questions at Board meetings Queensland and Solicitor of the High access to Outfit We continue to support youth programs and initiatives, which will provided an insight to young adults learning Court of Australia and specialises in assist in providing opportunities and experiences of benefit to youth experiences. They also participated in a wills and estates, commercial and estate on their journey to adult life. These opportunities include areas such litigation for a local practice. He is well Newsletter Q&A at the recent AGM where they spoke Staff news as sport, education, health, support services, events and much of their experience and the benefits of the qualified in his field and is a member of the Community Bank • Tugun more. We were pleased to again offer the Community Bank Tugun program. Congratulations to both Xalia and Queensland Law Society and the New South Wales Allan celebrates 10 years Scholarship Program where two local students received $5,000 Isabella and we wish them well for their Law Society. Congratulations to Branch Manager each to assist with the costs associated with furthering their studies future endeavours. Both Peter and Sean are warmly welcomed to the team as Chair’s report Bendigo Bank Elanora Allan Merlehan who celebrated 10 years of through tertiary education. Both recipients are volunteer Directors. from PBC SHS, with Regan Hickey now attending service with Community Bank Tugun earlier Welcome to the 2020/21 Summer edition of branch Queensland Conservatorium of Music and this year. Allan is dedicated to his role in the newsletter which is jam packed with some studying a Bachelor of Music (Jazz) and Jackson assisting our customers with all of their great community stories. Due to the impact of Following the announcement by Bendigo North is attending Southern Cross University, financial needs as well as being a great the pandemic on families, businesses and our Bank that the corporate branch at Elanora undertaking a Bachelor of Sport and Exercise leader to his team. Well done Allan! partner organisations, this has proved to be a will be closed, the Board of Directors Science. We would like to congratulate both very difficult year within our community. considered the viability and benefits to Regan and Jackson on their achievements. We Talk to us today the company to purchase a portion of the Debbie joins our team I am pleased to see that the imposed restrictions are pleased to announce that the 2021 Scholarship Elanora branch book. Community Bank due to COVID-19 has eased somewhat and Program is now open. Further information can Welcome to Debbie Hinton, Customer our lives are resembling some kind of normality. We realise The Board ensured that due diligence be found at www.bendigobank/scholarships Tugun Service Officer to the Tugun team. Debbie however, that this is not the case for all, particularly with reduced was exercised by obtaining legal and Applications close on 27 January 2021. Shop 1-3, 482 Golden Four Drive, Tugun QLD 4224 joins us from the Elanora branch and brings employment opportunities and the challenges of living so close to financial advice. After prudent deliberation, over 10 years banking experience. She is a P 07 5559 5700 the QLD/NSW border. Importantly though, we hope you and your the company agreed to proceed with welcoming familiar face for Elanora branch the partial purchase of the book of $56 E [email protected] loved ones have remained safe and healthy. customers and is enjoying working at the million in lending and deposit business. The branch management and staff have been outstanding in bendigobank.com.au/tugun branch and assisting our customers. The acquisition will provide an increase in focusing on ensuring that our customers are well supported during Our new Complete Home Loan… income for the business and further business /TugunCommunityBankBranch these challenging times, and they continue to assist those who development opportunities. …takes care of you completely. Great rates and 100% offset make the Cameron and Hayley tie the knot are facing financial hardship due to their circumstances. I would The merge has provided Elanora branch Complete Home Loan one of our most exciting home loans yet! We’re open: Congratulations to like to take the opportunity to acknowledge and thank our Branch customers a convenient alternative to 9.30am - 5.00pm Monday to Friday Cameron McDonald, Manager Allan Merlehan and his team Lorne, Cameron, Julie, So whether you’re buying your ﬁrst or next home, reﬁnancing or investing, maintain their Bendigo Bank products 9.00am - 12 noon Saturday Customer Relationship Bronwyn, Debbie, Renae and Jennifer for their ongoing dedication the Complete Home Loan has you covered. and services whilst banking with a branch Officer and his fiancee’ to our customers and business. that continues to support community Chat to a home loan specialist today, phone Allan on 07 5559 5700 or Hayley who tied the knot If you are not already a customer, we invite you to consider the organisations in the local area including search Bendigo Bank home loans. Directors on 31 October 2020 at wide range of Bendigo Bank products and services. Your banking Lisa Fitz Gerald (Co-chair), Elanora. Community Bank • Tugun Tweed Heads. After having will help contribute to the support of local community projects Cameron Window (Co-chair), Bob Marshall, to reschedule the wedding and initiatives as a portion of the profits generated from your We are confident that the Elanora branch Colin Woodward, Norbert Benton, Chris Crawford, due to the pandemic banking business is returned to the community in sponsorship and customers will be welcomed by our Tugun Kelly Sawden, Peter Dirkx, Sean Powell restrictions, Cameron grants. You can contact our Branch Manager Allan Merlehan or staff as well as a familiar face with Debbie Hinton, Customer Service Officer, now Tugun & District Finances Limited and Hayley celebrated his team on 07 5559 5700 for further information. with family and friends joining our team. Shop 1-3, 482 Golden Four Drive, Tugun QLD 4224 Lisa Fitz Gerald with celebrations held in ABN 57 102 056 306 Co-Chair Queensland and New South Wales. We wish Cameron and Hayley our very best wishes for a happy future together.

BNPNL0522 Tugun.indd 2 25/11/20 2:47 pm Regrettably, the pandemic forced us to cancel the Community Sponsorship Program this year. We are continuously assessing New kitchen for Seahawks Annual General the impact of the pandemic on our business, if any, whilst still managing to work behind the scenes on a very exciting project, Youth Hub as well as maintaining existing partnership commitments. You will read more about these projects and partnerships overleaf. Meeting We have kept you informed over the last We aim to return the Community Funding Program in 2021 to further assist local community organisations. two years on our involvement in the Youth The Annual General Meeting is a Hub project which originally stemmed as requirement to report on the financial Currumbin Alley Boardriders an idea from our Community Forums held year to our shareholders as well as in 2018 and 2019. Both City of Gold Coast an opportunity to bring together our Currumbin Alley Boardriders is a community based club councillors, Division 14 Cr. Gail O’Neill and community partners and connect with which prides itself on being the only Boardriders club on Division 13 Cr. Daphne McDonald have other community representatives. the Gold Coast and offers free junior development and worked tirelessly for a Community Youth This year, 40 people attended the event, high performance programs. Our sponsorship supports the Hub which will be located at the Palm where after the formal processes were club to continue with hosting competitive surf competitions Beach Aquatic Centre. We are grateful to completed, we had an informative and enabling members to compete in both club and high both councillors for their commitment to our presentation by the President of the performance levels such as national and state titles. Director community and we look forward to seeing Virtual Youth Hub, Shiike’ Vanderwerff, Sean Powell attended the recent Bendigo Bank day and the start of development works. The Tugun Seahawks Junior Rugby League Club were pleased to as well as a Q&A with our 2020 Scholarship enjoyed watching some great surfing. receive sponsorship funding to assist with the upgrade of their kitchen In the meantime, we have been working on recipients and Board Observors about For more information, visit: www.alleyboardriders.com.au to provide an extensive range of food and beverage for members and delivering a Virtual Youth Hub to enable their respective programs. families on game days, training nights and other events. The upgrade young adults and parents, convenient Storyfest on the Road will also increase the opportunity to generate more income for the club. access to information on various support services, community organisations and We continued the trail with Storyfest on the Road earlier For more information, visit: www.tugunseahawksjrlc.com this year where we visited Elanora State School with local clubs to help navigate and encourage a author Lucas Proudfoot who provided an entertaining New trailer for a community garden positive life pathway for youth. workshop on story writing to students. The students listened attentively whilst Lucas shared his story writing experiences. The students had an opportunity to create their own story with guidance from the much loved author. We look forward to getting back on the road in 2021 where Tugun Lights Up returns for we will visit another local school to help foster the love of another year presented by books and reading and writing. A committee of over 30 volunteer community members have worked Looking after our wildlife Division 14 Cr Gail O’Neill in For more information on Storyfest, visit: together since July 2020 to bring the partnership with Community www.storyfest.com.au The devastating bushfires across the nation earlier in the year highlighted the Bank Tugun, a Tugun Progress project to fruition. The website will vulnerability of wildlife during such a disaster where millions of animals were Association event – will be a New wheels for Pacific SLSC be a convenient resource for youth to injured or lost. The Tugun Village Business Networking event in March was celebration not to be missed. encourage active involvement in our Pacific Surf Life Saving Club is a small family club focused community and seek guidance, if needed. held at CWS Animal Hospital to help raise awareness of the plight of injured, Be sure to save the date: on educating and developing members to ensure they have The HubbleGC website and social media sick or orphaned wildlife in our local area. Over 80 business and community Saturday 5 December 2020 organisation representatives attended the event to help support the wonderful the necessary life saving skills for patrols on Pacific beach. A platforms will be launched during the 4.00 – 8.30pm Southern Beaches Community Garden, located in Tugun provides work of the hospital staff and volunteers and raise much needed funds to tractor was provided to the club to assist with the large amount 2020/21 summer. Keep an eye out for more Toolona Street, Tugun members and locals an opportunity to share in the love of gardening support their efforts. To further assist the great work of the hospital, the Board of equipment that needs to be moved such as the patrol arena information on our Facebook page at as well as free workshops and sharing knowledge on sustainable of Directors were pleased to provide $15,000 over three years to help maintain The much loved event will and inflatable rescue boards. The tractor will assist volunteer TugunCommunityBankBranch or why not and environmentally friendly gardening ideas. The sponsorship of a rescue vehicles on the road to collect injured wildlife. return with a wide range of life savers to do their work more efficiently and effectively. come and say hello at our stall at Tugun galvanised trailer ensured the club had a convenient and efficient way entertainment for the whole Lights Up. For more information, visit: currumbinsanctuary.com.au/wildlife-hospital For more information, visit: www.pacificslsc.com to transport tools, equipment, fertiliser and green waste for community family including Christmas based projects and events. Markets, roving performers, Christmas Storyfest, children’s For more information visit: entertainment, live music and www.southernbeachescommunitygarden.com/ local business specials. Supporting local artists This is a COVID safe event. Healthy break for nippers The 2020 Artist Peer Award at SWELL Sculpture Festival is voted by the fellow We hope you can join us! Palm Beach Surf Club has the largest Nippers program in artists of SWELL in recognition of the creative talent and interpretation. It was the Point Danger branch and runs weekly training sessions For more information visit a pleasure to again sponsor the award with the ‘Umbrella Effect’ taking out for local nippers. The club is a family orientated club which www.tugunlightsup.com.au the award which was created by three young artists from the Gold Coast. The provides programs in all aspects of life saving. We were sculpture is referencing the current imbalance of our environment, climate and pleased to support the fruit break initiative where nippers culture which is represented with the three umbrellas positioned upside down and are provided with nutritious snacks during training sessions. on an angle. Congratulations to the winners. We also supported the purchase of a BBQ to help with For more information, visit: www.swellsculpture.com.au fundraising efforts for the club. For more information, visit: w w w . p a l m b e a c h s u r f c l u b . c o m . a u

BNPNL0522 Tugun.indd 1 25/11/20 2:47 pm