• Net profit after tax of $28.8 million (up 29.6%), impacted by

former head office sale and new head office lease costs

• Loan balances grew to $5.6 billion (up 4%)

• Member retail deposits grew to $3.7 billion (up 6%)

• Total assets under management and advice grew to $8 billion

VIC1

6

ACT 2

SA 38

NT 4

WA 2

NSW 1

VIC 16

• Gives us a significant point of difference to our competitors

• Helps position us as a genuine alternative to the big banks

• We remain as safe and secure as a bank:

- Authorised Deposit-Taking Institution (ADI)

- Regulated to the same strict standards by Australian Prudential

Regulation Authority (APRA)

- Guaranteed by the Government’s $250,000 deposit guarantee

- $8 billion in assets under management and advice

- BBB+ / Stable / A2 Standard & Poor’s credit rating

• Member growth increased by 10%

• Total residential lending settlements increased by 29%

• Personal loan settlements increased by 17%

• 22,920 general insurance policies sold, up 19%

• Mutual aid sales by dollar grew by 16%

• Mortgage repayment protection grew by 64%

• Risk protection policies sales grew by 14%

• Low turnover rate – 10.3% versus 17% finance industry average

• 87% employee engagement

• 90% of staff agree we’re living up to our values

• $1 million invested into 52,380 hours of training

• $11 million milestone

• $1,573,130 was raised in 2013

• 996 groups participated in 2013

• $30,000 raised in

2013 through

workplace

programs

• 1,160 hours of

volunteering

• Current regulation unfairly favours the Big Four banks

• Big bank domination has increased

• Federal Government has announced financial system inquiry

• People’s Choice is working with Customer Owned Banking

Association to ensure our interests are addressed

• Better, tougher competition will provide more choice and

reduce fees and charges

• Q1 performance strong across lending, deposits, insurance

and financial planning

• Industry-leading member growth continues

• Focus on digital presence, with innovative products to match

• Understanding data to improve relationship management

To receive and consider the Financial Report of the Company

and the consolidated entity and the Reports of the Directors and

Auditor for the financial year ended 30 June 2013.

The non-executive Directors have extensive business acumen and

bring accountability and judgement to the Board’s deliberations to

ensure optimum benefit to members, employees and the wider

community.

The amount proposed will:

a) allow the Company to continue to be able to attract and retain

Directors with appropriate experience, calibre and integrity, particularly

in the light of the significantly increased responsibilities under the

Corporations Act 2001, Financial Services Rules and regulations and

other regulatory requirements and community expectations; and

b) respond to market rate increases for Directors.

The average increase for each Director for 2013 will be 2.25%

The total amount of remuneration, if approved by members, will be

divided among the 7 non-executive Directors in the proportion and

manner agreed by them.

“That the total amount of Director remuneration for the period

effective from 31 October 2013 until the conclusion of the next

Annual General Meeting will be a maximum of $648,265

inclusive of superannuation.”

Proxy voting intentions for Resolution 3

Voting Direction Proxy Holder

Total Percentage Chair Other

For 4536 14 4550 59.6%

Against 2085 17 2102 27.4%

Undirected 986 16 1002 13.0%

Total 7607 47 7654 100.0%

Abstain 587 3 590 -

To consider and if

thought fit, to approve

the following resolutions

in accordance with the

Constitution:

“That Ms Jan McMahon, being one of two candidates nominated

for the 2013 Director Election, be appointed to one of the two

vacant Director positions.”

Proxy voting intentions for Resolution 4(a)

Voting Direction Proxy Holder

Total Percentage

Chair Other

For 6523 34 6557 81.5%

Against 544 2 546 6.8%

Undirected 938 14 952 11.7%

Total 8005 50 8055 100.0%

Abstain 189 0 189 -

“That Mr John Cossons, being one of two candidates nominated

for the 2013 Director Election, be appointed to one of the two

vacant Director positions.”

Proxy voting intentions for Resolution 4(b)

Voting Direction Proxy Holder

Total Percentage

Chair Other

For 6428 21 6449 80.8%

Against 466 9 475 5.9%

Undirected 1065 18 1083 13.4%

Total 7959 48 8007 100.0%

Abstain 235 2 237 -