ANZ Retired Officers' Club (VIC)


Peter Pritchard's toast to ANZ Bank

Thank you for the opportunity to propose the toast to the Bank. It is a privilege to stand here before you.

In reflecting what I would say this afternoon, I thought back to my first days in Banking and the journey that I have taken over my nearly 40 years with ANZ. It was one of change and excitement. I can say that ANZ has played a significant part in my life. The Bank has also changed from when I joined.

Let me take you on a journey through time and share some reflections and changes along the way.

As a young lad of 16 years having completed school I applied for a number of jobs. After a very brief time in an accounting firm, I decided that that was not for me and being offered I accepted a job with ANZ Bank.

On 20th January 1969 I commenced in Sydney at 555 George Street Sydney branch. This was the beginning of a wonderful career and a journey that has had a profound impact on my life.

In doing some research I discovered that 555 George Street Sydney branch was initially the Bank of Australasia Southern Branch, which commenced on the site in rented premises in 1879. Forty four years after the Bank of Australasia was established by Royal Charter in 1835. The existing building was completed in 1886 and in 1902 the Bank purchased the property for 10,000 pounds. In 1912 alterations to the property were completed and the premises were unchanged until 1998 when the branch closed after 119 years. Things do change. The building was renovated into a pub “Three wise monkeys” and opened in 2000 for the Sydney Olympics. The building is on the City of Sydney Heritage Register and the Register of the National Estate. It still functions as a pub.

In 1969 Banking was less complicated. Man landed on the moon in that year,

banking was beginning to enter the age of computers. Male Bank Officers usually

wore short pants and long white socks. 1969 saw the agreement to merger of ANZ

Bank with the ES&A to form our present organisation. Group Day was actually 23

June 1969 when ANZ Banking Group became owner of all shares in the merging

Banks. The formal merger was concluded on 1 October 1970.

Little did I know then, what changes were to occur in the next four decades?

In reflecting on the past, I decided to look at the 1969 Annual Report for the Bank and compared it to the 2012 Annual Report. So what has changed?

  • The 1969 Annual Report was 47 pages. The 2012 Annual Report was some 216 pages. It is interesting to note that last year’s 2011 Annual Report was a massive 232 pages.
  • In 1969 the Bank’s Total Assets were $3,397m; in 2012 they had increased to $642,127m.
  • In 1969 Shareholders’ funds were $122m now $41,220m.
  • In 1969 Net Profit was $14.844m now $5,661m and
  • Dividends paid in 1969 were $6.572m now $3,918m.
  • Shareholders in 1969 numbered some 28,582, today there are over 439,000 shareholders.

1969 also saw the Bank acquire the current 55 Collins Street site for its then Head Office and building commenced at 20 Martin Place Sydney for its NSW State Offices.

1969 also saw the introduction of cash dispensing machines in November, at 370 Bourke Street Melbourne branch and 97 Castlereagh St Sydney branch, but customer response was limited. By April 1971 cash dispensing machines in Melbourne and Sydney had registered 11 and 14 transactions for the month respectively. It would take many more years until 1980 before ATMs’ were evaluated and ultimately launched in April 1982 as Night and Day Bank and by April 1984 there were 139 ATM’s.

When I commenced with ANZ in 1969, I learnt terms such as ledgers, proof machines and batching, white and green sheets, rems, DO Cards, advance applications, understood about term deposits, savings accounts, balancing the ledgers and looking after the stationery orders and the delights of going to the pub with the boys. EMANZA had arrived and the branch converted to computer in 1970 and the Bank moved into a new age. Later in 1974 Bankcard was launched.

It was not all work. There was some play. Branches’ were also a lot of fun, practical jokes seemed to be the norm. One time we left a dead rat in a voucher box and enjoyed the screams when the ledger girl found it. We discovered that air-conditioning was not designed to blow air back in the branch. It took a lot of explaining regarding the thick plume of dust that covered most of the lunch room. Or the practical joke played on the internal auditor who took over our car park in the lane at the back of the branch. His car was quite wide, so he placed some stones down the middle of the lane to assist him to park. As usual we decided to help him by moving the line of stones one way by 6 inches and the following day by a foot the other way. The third day we returned the line of stones to the middle position. Some minor panel work was subsequently required.

Social events were a feature of my early days in Sydney. PWE’s or Pleasant Wednesday Evenings were always a lot of fun as we met other ANZer’s. I also recall the P&K club…pie and keg club that many of the fellows were members. Each quarter they would meet at a member’s house for a night of drinking, eating pies (to assist with the drinking) and to cheer the movies that were projected on the rear wall of the house. It was a wonder that there were no objections from the neighbours with the blue projections on the wall.

My time at Sydney (Martin Place and George St) was a fantastic learning opportunity. Appointed as an advance clerk, I had the fortune to have as bosses, Bruce Arthur and Terry Stapleton and also PBO Manager Ted Povey. They were truly inspirational managers. Later in Branch Lending under Ken Fildes and then Area Banking at South Sydney under Dick Hughes.

During this time in Sydney I had my first overseas experience. A Shipboard agency cruise was offered and I accepted. We departed Pitt and Hunter Streets branch in the armoured van with two Melbourne colleagues and several cases of cash for the cruise. On the ship we worked hard, during the day exchanging currency with queues’ that never seemed to stop. At least after the day’s work we could experience shipboard life, and go ashore as tourists. After a while it became more fun and less work. So much so that one of my colleagues found his future wife on board, the other colleague decided to stay in Sydney for the weekend when we returned from the cruise with his new girlfriend. His wife wasn’t very pleased when he finally returned home. For my part I managed to escape unscathed from the experience, but it introduced me to what lay beyond Sydney and Australia.

Looking back again to 1969, the Bank had some 1,312 branches. Today we have 1,381 and more than a hundred thousand ATM and EFTPOST machines just in Australia!

The Bank in 1969 apart from its branches in Australia and New Zealand boasted an international network that included Fiji, Papua, New Guinea, British Solomon Islands, New Hebrides and London, with rep offices in New York and Tokyo. Today the Bank extends to 32 markets globally and is amongst the largest 20 banks in the world.

People were and will always be an important part of the Bank. In 1969 the makeup of the 18,140 staff was mainly, Anglo Saxon, and based mainly in Australia and New Zealand. Today the 48,239 staff come from all walks and cultural backgrounds and spread across more than 30 countries. Australia accounts for 21,000 staff, New Zealand some 9,000 staff the balance 18,000 are offshore.

In 1979, saw me Melbourne bound with a transfer to Esanda. What excitement. I was told that my transit accommodation would be located in Parkville, which I thought was a lovely sounding place, not far from the CBD. Even better the accommodation was called Freeway Gardens and it would be close to transport. It certainly was close to transport…a train line beside the property, the rattle of trams across the intersection and a freeway to the airport….what was better was my apartment faced it all. I learnt that you need to question what was said.

Esanda proved to be a different culture to the Bank but my boss Glen Twidale was an excellent mentor. For three years I had leasing in my blood, then an opportunity to undertake an overseas study with Ian McRobinson to research factoring. At that time overseas travel was First Class and having a glass of champagne as we took off from Melbourne headed for London, was something that is hard to describe…it was one of life’s pleasures.

Visiting London HO was an eye opener. Lunch around the old Board table with the London Executives was like going back in time, it was stately. At the end of the meal the port decanter was brought out by a waiter and the host passed it to the left. The decanter was not to touch the table; you filled your glass and passed it on. Only when it returned to the host, and if he decided to go again, it would continue its journey. When the host decided to end the lunch, he would put the decanter down when it returned to him. At that time Roy Ashton the General Manager Personnel was also in London, afterwards did we learn that London HO was downsized and some of the customs disappeared? Such was life for London staff.

Life always takes sudden turns and a transfer to Vanuatu in 1988 to head up a Trust Company that had previously been jointly owned with HSBC. Returning to Melbourne in 1990, the Australian Banks were experiencing credit issues with some of its larger corporate customers and I joined the Corporate Support team, which later morphed into the Asset Management Group charged with Corporate Workouts. In four years I learnt much about bad lending from the mistakes of others. It was an intense period, of long hours, difficult customer conversations and the satisfaction of achieving a turnaround of many customers. Reflecting now I can say it was the best part of my banking career.

Change was always evident in Banking. I lost count of the numerous restructures, name changes, acquisitions and realignments that seemed to be part and parcel of life. People came and went. Despite this I continued with my career in Credit and Risk roles. Roles that saw me travel throughout Australia and New Zealand, as well as to numerous countries. At least I got to see the world, although sad to say not at the pointy end of the airplane.

In early 2008 I took long service leave for six months, intending to return to the Bank on a part time basis…but having experienced the delights of semi retirement I elected to retire in September 2008 and have never looked back. Looking back over nearly a 40 year banking career, I can say that I enjoyed my time at ANZ and I would do it all again. I had a lot of fun; I worked with many wonderful people and had many interesting experiences as a banker. The Bank has seen incredible change over the past 40 years and no doubt there will be more to come.

The Bank has been a significant part of my life in many ways. My wife Maree worked for the Bank for a number of years so ANZ has been in the family. On the day that I retired my son Christopher commenced his career with the Bank. So my story lives on.

I am grateful for the opportunity to have worked at ANZ and to have been part of its history. I will always continue as a loyal customer and shareholder.

ANZ Bank has a proud heritage going back some 177 years to 1835. We have all been part of its history. We can only dream as to the future and wonder what will happen next.

Would you now please charge your glasses and be upstanding to toast. Our Great Bank…ANZ forever.

Ed Tanner inc funeral arrangements

We regret to advise that Ed Tanner passed away in hospital on 6 Dec 2012 aged 77 after complications following a back operation . Our condolences to Elaine, Greg and the family.

A Service of Thanksgiving for the life of Ed  was held on FRIDAY Dec 14 at 11am at Croydon Uniting Church. A large group of family, friends and ANZ colleagues attended, Ed's 5 sons Ross, Craig, Paul, Greg and Andrew did the readings and paid tribute to their Dad. Those in attendance included Bob Wheeler, Pat Munday, Neil Pickering, Neil McMillan, Eamon Veaney, Des Shady, Peter Kariotis, John Winders, Warren Taylor and Henry Carr.

Ed was originally from Queensland and played an important role in International Division Melbourne  for many years.

Below are photos taken by Dick Milnthorpe in the UK in 2011

Below, a tribute from Greg Watson who worked with Ed for many years


“I was saddened to hear of Ed’s passing. I clearly recall my time working with Ed and his dry, irreverent sense of humour. He was a high achiever, although modest about his many achievements. However, he could also be quite forthright when the occasion demanded. I learnt a lot from Ed. Evelyn and I extend our sincere condolences to Ed’s family and friends.
Greg Watson”

and from Louis Hebrard
Thanks for sharing this sad news Eamon. I last chatted with him not that long ago at a nursery where he was buying some plants. I will always remember him as a gentle but stern character with a great intellect and who had no time for nonsense.
anecdote from Richard Ham
I remember years ago Ed was appointed Assistant Manager - Technical in the old International Department. Ed was amused by this because there was no Manager so, he asked John Holberton ... assistant to whom?

from Dick Milnthorpe
I had known Ed since 1969, but we became close friends in 1976 during the setting up of the NY Branch. Ed was an expert on Bills and Credits and was instrumental in the design of the subsequently installed system for NY and LA branches and later in Melbourne. He was also closely involved in the installation of the SWIFT system in Australia and NZ, and the integration of the International Division systems to SWIFT which enabled the Bank to extend its services to foreign banks. Ed was a "Banana Bender" and proud of it. He and Elaine loved touring the Outback and travelled all around Australia as well as overseas. His health was never robust and he had always suffered from Arthritis, and had many other health problems as he grew older. He died in hospital after having had an operation on his back.
One last memory of Ed was that when he was over here some years ago we visited Oxford and Eton. Thereafter he used to tell people that he and I went to Eton and Oxford together !! "Not a lot of people know that"!
He was a great Aussie who had a wonderfully laconic sense of humour and will be sadly missed by all his friends.

Traralgon golf day results and photo gallery

A small but select Group of golfers and supporters turned up for the latest golf day at Traralgon. 20 men and 3 ladies competed for the president's trophy. A number of partners chose the other option of shopping, massages and cinema instead.

Once again the weather was kind to us , not too hot and dry (apart from the unbelievable stupidity of the ground staff who chose to time the sprinklers to come on as we approached the greens).

The overall winner with 41 points off a 22 handicap was Barry King with Des Shady as runner-up

The Ladies competition was very close with Joyce Challis scoring 35 points from Kathy Shady and Sandy Bourke.

Nearest the pin awards were won by John Inglis, Barry King , Dal Crocker and Joyce Challis

The event was again superbly organised by John Brown who announced that he would be stepping down from the role as the anzroc Treasurer position is taking up more of his time than anticipated.

John has requested that if anyone is prepared to take on the role to please contact him, it is not an onerous job and it was pointed out that it does not need to be a member of the anzroc committee.

There was some discussion that the next November golf day may be held at Rosebud Country Club this will be confirmed in due course

Below is a series of photos taken on the day


Mansfield trip February 2013



The get together is open to all members/ partners and singles and for full details you can contact Kevin Mitchell on 98076201 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

ANZ Retired Officers Club Getaway

Venue: Alzburg Resort 39 Malcolm St Mansfield

2 Nights Mon 25 Feb & Tue 26 Feb 2013

(Open to members/ partners and singles).


Accommodation cost for 2 nights & Dinner


Standard Motel 3 Stars, self contained with kitchenette.

Cost: $150.00 P/P Twin Share includes Buffet Dinner


Delux Apartment 4 Stars, 2 bedrooms, living room, full kitchen & spa bath

Cost: $ 125.00, P/P Quad Share includes Buffet Dinner

Resort Facilities: Swimming Pool / Sauna / Spa / Tennis Courts / Function Room/Volleyball / Games Room / Table Tennis / Dining Room / BBQ


Golf Course and Pokies Venue 2 km.

Other attractions within easy driving distance. Information available.


Day 1.  Mon  25 Feb. Arrive any time after midday.

Explore Alzburg Resort and Mansfield Township at your leisure.

Social Golf, Tennis or relax around the pool.

6.30pm. BBQ Dinner,  BYO food & drink.


Day 2. Tue 26 FebEarly Morning Golf Competition.

Non Golfers Social Walk, Tennis or other passive activities,                                                                 or maybe just relax around the pool.

6.15 pm: BYO Pre Dinner drinks and nibbles around pool.

7.00 for 7.30pm: 2 Course, Pizza & Pasta Dinner & Dessert

Resort Dining Room .

Bar facilities available at your own expense.  “Music for Dancing”.

Day 3 Wed 27 Feb Check out of unit by 11.00am, but continue to enjoy the facilities at the Alzburg for as long as you like.

Please Note: Booking arrangements, you are requested to pay your accommodation and  Dinner in full by Cheque payable to

Alzburg Resort, or by Credit Card.

Name: ________________________-------/------/------/------ exp ---/---


ANZROC Mansfield Booking Form for 2013


Phone No:___________________ Email:_____________________


Accommodation (please circle) Motel /Apartment.

If sharing an apartment please indicate who with……………………………


Golf  Competition: Name _______________________H’cap_____



Attached booking cheque for $                payable to Alzburg Resort

Please forward this booking form together with full payment by

25 Jan 2013 to Kevin Mitchell Unit 2/29 McLochlan St

Mount Waverley 3149

Phone Kevin on 9807-6201 if you require further information.

Note: there is extra cost involved for Sole Share

President's 38th Annual Report





I am lost for words what can I say

My reign as President ends today

In relinquishing this most honoured throne

My final address will be partly in poem

Now for those who think this is out of line

I trust my apology will be considered fine

Firstly congratulations to John McPhee

Who has taken over the Presidency

On committee John has been a long term resident

And I know he will be a hard working President

Our membership numbers are nine seventy nine

An easy number with which to rhyme

We are delighted to see our lady members increase

A trend we are hoping in the future won’t cease

Birthday card’s to our members are a most welcome treat

When John Vanselow retired Kathy Trace took over this feat

Competent, compassionate and also always on time

Thank you Kathy I always look forward to mine

Peter Pritchard took over the secretary’s role

Like a duck to water he is in full control

The budget was balanced by Treasurer John De F Brown

May be in line for the position in old Canberra Town

We thank Alan Forrest our Auditor supreme

Has checked all our records and pronounced squeaky clean

Functions and outings take a huge time to plan

And this year we have found David Knuckey our man

With wife Glen by his side and Noel Beanland as well

Without exception this year all events went real swell

Gary Mason fulfills one of our most difficult positions

Finding guest speakers from bankers to nutrition’s

The ANZROC website continues to grow

Thanks Eamon and Elina for making it go

Joan Nathan, Gary and Eamon as the Committee for Welfare

Assist to resolve issues for our members with care

Thanks Kevin Mitchell who has been here for years

Master of humour, speeches and of course pouring beers

George Cooper collects at our meetings in true Scottish tradition

Your efforts are shown n our financial position

Col Edwards, John Duke, Con La Fauci, John Stevens

And Debbie who records our members joining and leaving

For Ron Adams I struggled, there are no words that suffice

Fantastic, magnificent, and whilst they are nice

In frustration I decided to go back to the start

And look for a phrase from the bottom of my heart

Ron for all you’ve done thanks, from our members one and all

Who I now ask to stand and applaud, a man who really stands tall



On behalf of our committee and all our members, I convey a very warm welcome and thank you for your attendance here today at our 38th Annual General Meeting.


I particularly thank all our members for their support in attending meetings and functions organised by our hard working committee throughout the year.


I look back on the past two years as President of this wonderful club and it is with a touch of sadness that I present my final President’s Report and complete the two year reign the position embodies .


It has been a period of change, brought on somewhat through matters outside our control and also the desire to broaden our scope to provide a greater presence to our country members as well as the introduction of Member and partner functions.


Of course these functions could not be run without such a hard working and willing committee behind our club. Their only reward being in the enjoyment and benefits our members receive through their efforts


As at 30/9/2012 our membership was 979 compared with 981 last year.  It is most pleasing that 39 new members have joined since last year and we are delighted to welcome you to our midst.

Sadly however, on the other side of the ledger 30 serving members passed away during the year.

It is particularly pleasing that among our new members there is a strong representation of  lady members who have  joined during the year and we sincerely welcome you all and hope this trend will continue



It is with great sadness that 30 members passed away throughout the year and our thoughts and prayers are with the surviving members of their families and friends. They were respectfully remembered with a moments silence during our monthly meetings and representation at funeral services wherever possible. I would like to thank John Duke who continues to ensure deceased members notices are inserted in the daily Herald Sun newspaper.



Financial Statements for the year to 30/9/12 are tabled showing funds on hand of $22,903.63.  This is an excellent turnaround from funds on hand last year of $19,942.68.

Our Treasurer John Brown is to be thanked and commended on the production of the comprehensive treasurer’s reports, cash flow analysis and most particularly his input into our austerity measures to balance our budget.

Thanks also to our Honorary Auditor Alan Forrest and also our lovable Scot George Cooper for lightening our wallets in the collection of our meeting subsidies


We gratefully acknowledge the support of ANZ Global Services and Operations in providing financial assistance to the ROC which defrays the level of membership fees and subsidises functions, including our Christmas Luncheon.

This support by the Bank recognises the past service of retirees and their role in building a foundation which has assisted the ANZ Bank to become so respected on the world financial stage. We believe this support is returned by our members continuing client loyalty to the Bank and our promotion of the ANZ Brand. We encourage this continuing support


Attendance at our meetings this year has been somewhat inconsistent with numbers of members at our 100 Queen Street functions in particular being down


We would greatly appreciate feedback from members relative to the format and location of our meetings as the committee is desirous of presenting an agenda that caters to the vast majority of our member’s wishes


We acknowledge and appreciate the Bank’s provision of meeting facilities for many of these functions.


We have had some excellent speakers over the past year and thanks to Gary Mason for his continuing efforts to unearth speakers of interest for the enjoyment of our members. If members have ideas/contacts with a background/story that would be of interest to our members then please put these suggestions forward to Gary or our committee


The ROC ANZAC Remembrance Luncheon is a most important day on our calendar and thanks once more to Kevin Mitchell who makes this a very special occasion.


The suburban/country luncheon concept, which welcomes ANZROC partners as well as members of the ANZ Ladies Club, has once more been very successful.

The St Patrick’s luncheon in March whilst still well attended was down on numbers from last year

The Greensborough RSL luncheon was also very successful and I am sure that everyone who attended will be eager for us to retain this location also for a future luncheon


The Ballarat Train trip and luncheon was a tremendous day and I am sure the train/lunch concept will remain on the “to do list” for some time.


The Waltzing Matilda luncheon, whilst small on numbers attending, was thoroughly enjoyable with the private function room, food quality and cost being excellent


All these functions take a considerable amount of time and effort to organize and on behalf of all our members, thanks to David and Glenda Knuckey, Kevin Mitchell and Lyn and Les Stevens for organising these respective events.


We were pleased that Mike Smith CEO and other ANZ Executive again attended the luncheon and to Wendy Black for her Toast to The Bank. Mike Smith responded with an enlightening and entertaining insight as to the organizations excellent performance and solidarity at a time when so much of the world’s financial structure was in turmoil


Wendy in proposing the toast to ANZ gave members present a thumbnail sketch of her lifetime in ANZ from childhood as the daughter of a Bank of Australasia Manager growing up in country Victoria through her years in ANZ beginning as a junior officer and rising to Executive Assistant to a number of senior executives in ANZ several of whom were in the audience. Wendy spoke fondly of her marriage to Eric Black who at the time was an Executive in the bank.. Undoubtedly the many anecdotes about her life spent in the banking community were from the heart and members were reminded of their time in the Bank working with colleagues who have become lifelong friends. The toast was acknowledged with enthusiasm.

(Sadly Eric passed away recently and our prayers and thoughts are with Wendy at this sad time)

This function continues to provide a wonderful opportunity for members to come from far and wide and catch up with old acquaintances.


Kathy Trace, ably backed up by Joan Nathan continue the fine tradition set by John Vanselow in achieving an amazing  percentage of cards homing to our members on their actual birthday’s through rain, hail or shine.  We also greatly appreciate our member’s responses which are incorporated into the monthly ANZROC Newsletter and prove so popular with our readers


ANZ Shared Services supports the distribution of our newsletter. Postage and stationery costs are avoided where internet transmission is available, so please let Ron Adams know if you are able to use this medium. I know that the comprehensive ANZROC newsletter is much appreciated by members in hearing about what’s going on and helping to maintain and renew friendships. Our thanks to Ron Adams for presenting the newsletter and the incredible volume of work Ron processes on behalf of our club.  Thanks also go to Debbie Jerkovic of Wirth Words for maintaining the membership register and formatting the newsletter.


The position of Secretary and Newsletter production was split at our previous AGM with Peter Pritchard elected Secretary attending to all the Club Secretarial issues and Ron Adams continuing in the role as Newsletter Editor.

How fortunate our club is to have two such likeable, competent and efficient administrators in these roles and I am personally indebted to Peter and Ron for their help and support throughout my term as President



What a terrific initiative this has been and the usage is slowly but surely increasing. For those members who do not have a computer facility, I encourage you to ask your grandchildren to help you visit and enjoy this wonderful innovation and trip down memory lane looking at the multitude (and growing) selection of photos and information recorded on this site.

Thank you Eamon once more for your time and the dedication you give to this project. We are also appreciative of the many hours of development work undertaken by yourself as well as  the technical assistance, trouble shooting  and support graciously provided by Elina Law.


The Welfare Sub-Committee currently comprises Gary Mason, Eamon Veaney and Joan Nathan

This important initiative is still in the formative stage and is an area of interest I wish to assist with following my term as President. The subcommittee has also assisted the club executive in issues re the Privilege (discount) Package, visitation/communication with our ‘not so well’ members etc



The ANZROC executive has continued to liaise with ANZ Shared Services through Roger Munday and Parik Dhody, our responsible contacts with the Bank. The objective of these meetings is to maintain close contact with the Bank and seek to strengthen the relationship between the Bank and ANZ ROC membership.

These members are also our contact points to address any member Welfare/Privilege Package concerns.

We sincerely thank Roger and Parik for their ongoing support


During the year the Club also organized:

  • Golf and luncheon function at Latrobe Golf course
  • Annual overnight golf /dinner outing at Traralgon
  • Annual Golf/holiday trip to Alzburg Inn at Mansfield.

These events were all well attended and most enjoyable.  Thanks to John Brown, David Woods, Kevin Mitchell and Eamon Veaney for organising these great outings


Your Committee continues to seek ideas to improve the welfare of members and to promote engagement between members and we particularly welcome members input.


It has been a pleasure serving our members as President during the past two years and in particular the committee who have been such a supportive and capable group, without whom we could not provide the range of benefits and functions we all enjoy so much throughout the year.


To all our members, families and friends I wish you a healthy and wonderful Christmas and   New Year and a year to follow full of good health and happiness


Neville Pearson                                                                                                                                                              President