Appointed Chairman on 14 May 2021.Trustee from 26 August 2020 to 13 May 2021.

Franchisee Awards (6):* 2019 WINNER of the National Retail Association, Franchisee of the Year Award.* 2016 WINNER of Michel's Patisserie Brand Contribution Award.* 2016 WINNER of the National Retail Association, Supreme Award for Retailer of the Year.* 2016 WINNER of the National Retail Association, Franchisee of the Year Award.* 2016 WINNER in Hunter Business Awards, Customer Service (-20).* 2015 WINNER in Lake Macquarie Business Awards, Excellence in Retail Practices.National TV Appearances:* profiled 3 times on The Franchise Show on Channel 7 in 2016 & 2017.

As CEO, I significantly increased the credit unions presence & involvement in the local & wider communities of the Sunshine Coast.Increased the professionalism & image of the credit union with a major building renovation and grounds upgrade, redesigned branding, redesigned website, new banking system and transformed the staff with new uniforms and increased training to focus on providing our members with more competitive interest rates and introduced a wider range of products & services to assist members financial well being.MCU supports the community in the form of annual community donations and sponsorships.MCU's main point of difference is its strong support of the environment through green designed loan products with discounted interest rates. MCU is an award winning brand, and has won several awards from the acclaimed Money magazine, mainly for its environmentally-designed loans. I am particularly proud of being a part of MCU's 2009 prestigious award for the Best Socially Responsible Product, Green Appliance Loan. The Credit Union was a finalist for 2 consecutive years in the Sunshine Coast Business Awards.MCU opened a Sub-branch in Woodford on 15th May 2010 and established a finance broking business in February 2010 named MCU Financial Services Pty Ltd (Managing Director).Board member on the Credit Union's independent Community Charitable Trust, President Maleny Rotary Club & Vice President Maleny Chamber of Commerce.Financial Highlights; 2009 Net Profit After Tax increased 11.2% and Assets increased 20.9%; 2010 Net Profit After Tax increased 17.7% and Assets increased 6.5% and 2011 Net Profit After Tax before Abnormal Expenses increased 13.7%.

One of the largest Australian Mortgage Managers owned 90% by Ken Sayer and 10% by Macquarie Bank. Currently Mortgage House has a loan portfolio of approximately $5 billion (as at 27/8/08). Managed the mortgage aggregator business.

One of the oldest Australian mortgage managers established in 1991. AIMS issues its own residential mortgages backed securities, which are rated AAA by international credit rating agency, Standard & Poors. At the time, AIMS had over $2 billion in mortgage loans under management (as at 31/8/07).Highlights:* Represented AIMS on the MFAA (Mortgage Finance Association of Australia) National Lenders Committee, 2005 to 2007.* Trained Mortgage Lenders nationally in both the Chinese Specialist Teams and Lending Team.* Opened new branch offices.* Published lending related articles for AIMS.* Managed the Third Party Broker Team.* Worked with the owner of AIMS to design and launch new products.

One of the largest Australian Mortgage Managers owned 90% by Ken Sayer and 10% by Macquarie Bank. Mortgage House’s main office is located in Parramatta and in June 2001 embarked on its strategy to move into the wider community by opening branches. At the time I resigned (3/6/04) from Mortgage House, the loan portfolio was approximately $3 billion.Highlights:* Facilitated & negotiated the sponsorship of the Brisbane Broncos NRL club.* Sourced licencees to open Mortgage House Branches.* Opened & managed 10 branches.* Managed the in-house lending team.

A community credit union. A medium sized credit union, with approximately $120 million in assets, revenue $10 million plus, total staff 60, 17,681 members and 4 branches (as at 27/3/2001). Now part of Unity Bank.To enhance the Credit Union in the local community, sponsored the Bankstown Bruins Basketball senior teams and the Bankstown Women's Netball senior teams.Member in waiting in the Padstow Rotary Club.Company directorships held:* Redidata Pty Ltd* Shared Enterprises Ltd* Transaction Solutions Pty Ltd* CU Technology Development LtdSome highlights were being invited to the official opening of Paul Keating Park in Bankstown in 2000, and meeting him, where he was an inspiration to me when I worked in the Money Markets; and being involved in community security around the 2000 Olympic Games as some of the American Team stayed in Bankstown and supporting the Torch Relay through Bankstown.Converted the Credit Union's Banking System to Fiserv from FCS.

Branch based lending, loans administration and financial planning.Member of Sawtell Rotary from 1995 to 1996,Part time Accounting Teacher at Coffs Harbour TAFE, 1995.

CUSCAL is the primary trade association and services provider for Australian credit unions. I was transferred from the Association of New South Wales Credit Unions Ltd to join this newly created company and position. (Funds under management were $2.5 billion as at 21 January 1994.)CUSCAL managed credit unions surplus liquidity invested with CUSCAL as well as the cash and fixed interest funds invested by credit union members in the NCU Approved Deposit Funds. Highlights:* The NCU Capital Maintenance Fund, ranked by independent rating agencies in some quarters as No.1 for return.* Negotiated a $100 million Standby Line from the National Australia Bank.* Designed the company's first state of the art Treasury Dealing Room.* Represented the company on the Australian Payments Clearing Association Ltd (APCA) - Reform of the Clearing House Working Party Four, and then Special Purpose Committee 4 (SPC4), 1991 – 1994.* Oversaw the Treasury Dealing Team evolve from a one person state representative into a national team of 5 professional treasury dealers and 8 retail deposit dealers,* Instrumental in obtaining membership into AFMA (Australian Financial Markets Association), being one of the first Corporations to join the membership comprising of banks, merchant banks, official money market dealers, which provided rights to insert "live" buy and sell prices on securities on the Reuters trading screens.* Joined the Company in Austraclear, national safe keeping of securities and settlement system for money market transactions.* Facilitated an Investment Policy and Assets & Liabilities Gap Policy with Standard & Poors Credit Rating agency for the company as part of our risk management profile.

Commenced with the Commercial Banking Company of Sydney Ltd. The bank was taken over by the National Australia Bank in 1982.Worked in the bank's St.Ives and Moná Vale branches and from 1978 in the Money Market operations.Money Market Responsibilities:* Managed the bank's surplus money market funds.* Managed the bank's Exchange Settlement Account.* Managed the bank’s LGS Ratio with the Reserve Bank of Australia.* Traded bank bills & promissory notes.