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Challenger Finance

Listed on the Australian Securities Exchange, Challenger is a diversified financial services organisation that is committed to providing a broad range of investments and financial products and services to institutional and retail clients.
Challenger is the largest provider of retail annuities in Australia, with its Life business growing substantially as a result of recent acquisitions. The company is well-positioned to serve the retirement income market, with investor interest in guaranteed, long-term income streams growing as a result of sharemarket volatility and greater awareness of the mounting pressure on public age pension schemes.

Challenger is one of Australia's largest non-bank lenders with a mortgage book of $19.8 billion^, funding commercial loans as well as a range of residential mortgage products offered by a network of preferred lenders under their own brands. The company's more recent acquisition of interests in the distribution and aggregation segment of the market have made it one of the largest mortgage industry participants, with a network of 5,500 brokers and more than $71 billion^ in mortgages under administration.

As one of Australia's largest fund managers, Challenger offers a wide range of investment choices across a variety of asset classes and investment styles. The firm is a quality investment manager in its own right, has acquired early interests in number of leading boutique funds and also acts as a gateway to other expert investment managers.

With operations in Sydney, Melbourne, Brisbane, Adelaide, Perth and London, Challenger also benefits from strategic relationships with key international partners Colony Capital LLC, The Bank of Tokyo-Mitsubishi UFJ and Mitsubishi UFJ Securities.

^At 31 December 2008

Citibank

Citibank in Australia is part of Citigroup, one of the world's largest financial services organisations. Citibank commenced consumer operations in Australia in 1985 when it was the first foreign bank to be granted a banking licence.

By combining local expertise with the strength of Citibank's worldwide consumer banking network, we are able to offer some of the world's leading range of financial services including deposit accounts, foreign currency deposits and investments as well as credit cards, mortgages, insurance and charge cards.

St George - Bank SA

We've been a part of the fabric of South Australia since its early years, having opened our first branch in 1848.

BankSA is the largest financial institution in South Australia and the State's main provider of housing, personal finance and rural banking services. The Bank also plays a key role in the community as a sponsor of major State events and through the BankSA & Staff Charitable Fund, makes donations to approximately 100 South Australian and Northern Territory-based charities each year.

Whatever stage of life you're at, we can help you achieve your goals.
Whether it's to own your first home, pay off your home loan faster, protect your assets adequately, earn an attractive rate on your investments or plan for your retirement, we can help you achieve your goals - while still having enough money left to enjoy life. We help South Australians get the best from their money, so they can live their lives to the full.

We take the same approach to our many customers in commercial and rural businesses. With a full range of lending and investment products, merchant card services and EFTPOS, import and export finance services and leasing, we cater to the financial requirements of South Australian businesses across all sectors.

In addition, we provide a wide range of funds management, life and general insurance services and superannuation and investment services.

And we're a leading innovator, being the first South Australian bank to provide transaction banking services to our customers over the Internet.

Finally, as the Bank of South Australians, we have the largest network of branches and ATMs in South Australia - more than 120 branches located in metropolitan and rural South Australia as well as branches in the Northern Territory.


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