<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <html xmlns="http://www.w3.org/1999/xhtml"> <head> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8" /> <title>Untitled Document</title> <style type="text/css"> body { margin-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; } .black a { color:#000001; text-decoration:none; } p { margin-bottom: 15px; margin-top: 0px; margin-left: 0px; margin-right: 0px; } @media only screen and (max-device-width: 480px) { img[class="hide"], td[class="hide"], table[class="hide"] { display: none !important; } table[class="resize325"] { width:325px !important; } img[class="logo"] { width:301px !important; height:62px !important; } } .update a:link { color: #004F39; text-decoration: none; } .update a:visited { color: #004F39; text-decoration: none; } .update a:hover { text-decoration: underline; color: #004F39; } .update a:active { color: #004F39; text-decoration: none; } .green a:link { color:#005037; text-decoration:none; font-weight:normal; } .green a:visited { color: #005037; text-decoration: none; } .green a:hover { text-decoration: underline; color: #005037; } .green a:active { color: #005037; text-decoration: none; } .white a:link { color:#FFFFFF; text-decoration:none; } .white a:visited { color: #FFFFFF; text-decoration: none; } .white a:hover { text-decoration: underline; color: #FFFFFF; } .white a:active { color: #FFFFFF; text-decoration: none; } </style> <meta name="robots" content="noindex,nofollow"></meta> <meta property="og:title" content="FSU Online: Financial System Inquiry &#8211; contribute to FSU submission; Hurry! Recruit and Win comp closes in one week; and more"></meta> </head> <body style="margin-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;" > <table width="99%" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td><table width="700" border="0" align="center" cellpadding="12" cellspacing="0" class="resize325"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="0%" border="0" cellspacing="0" cellpadding="0" class="hide"> <tr> <td class="black" style="font-family:Arial, Helvetica, sans-serif;font-size:11px;color:#000001;text-align:left;vertical-align:top;" >FSU Online 21 February 2014</td> <td style="font-family:Arial, Helvetica, sans-serif;font-size:11px;color:#000001;text-align:left;vertical-align:top;" >&nbsp;&nbsp;|&nbsp;&nbsp;</td> <td style="font-family:Arial, Helvetica, sans-serif;font-size:11px;color:#000001;text-align:left;vertical-align:top;" ><a href="http://email.theorchardagency.com.au/t/r-e-pdyyuhl-l-r/" 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style="font-family:Arial, Helvetica, sans-serif;color:#000001;font-size:11px;" >Issue No.1 of 2014, Friday 21 February</span><br /> <br /> <span style="font-family:Arial, Helvetica, sans-serif;color:#005037;font-size:13px;font-weight:bold;" ><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-n/" target="_blank" style="color:#004F39;text-decoration:none;" >Update your personal/payment details</a></span></td> </tr> <tr> <td height="27" align="left" valign="top" style="font-size:0px;line-height:0px;" ></td> <td height="27" align="right" valign="top" style="font-size:0px;line-height:0px;" ></td> </tr> </table></td> </tr> <tr> <td align="left" valign="top" class="green" style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:16px;font-weight:normal;text-align:left;vertical-align:top;" > <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="15"></td> <td><ul style="padding-top:0px;padding-bottom:0px;padding-right:0px;padding-left:0px;border-bottom-width:1px;border-bottom-style:solid;border-bottom-color:#FFFFFF;margin-top:0;margin-bottom:0;margin-right:0;margin-left:0;list-style-type:none;list-style-position:outside;list-style-image:none;line-height:150%;" > <li style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:16px;font-weight:normal;text-align:left;vertical-align:top;list-style-type:none;line-height:150%;padding-top:0px;padding-bottom:0px;padding-right:0px;padding-left:0px;" ><a href="#toc_item_0" style="color:#005037;text-decoration:none;font-weight:normal;" >Financial System Inquiry  call for contributions</a></li> <li style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:16px;font-weight:normal;text-align:left;vertical-align:top;list-style-type:none;line-height:150%;padding-top:0px;padding-bottom:0px;padding-right:0px;padding-left:0px;" ><a href="#toc_item_1" style="color:#005037;text-decoration:none;font-weight:normal;" >Fix finance pay</a></li> <li style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:16px;font-weight:normal;text-align:left;vertical-align:top;list-style-type:none;line-height:150%;padding-top:0px;padding-bottom:0px;padding-right:0px;padding-left:0px;" ><a href="#toc_item_2" style="color:#005037;text-decoration:none;font-weight:normal;" >International Women&rsquo;s Day 2014: Inspiring Change</a></li> <li style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:16px;font-weight:normal;text-align:left;vertical-align:top;list-style-type:none;line-height:150%;padding-top:0px;padding-bottom:0px;padding-right:0px;padding-left:0px;" ><a href="#toc_item_3" style="color:#005037;text-decoration:none;font-weight:normal;" >Recruit and Win! Only one week to go!</a></li> <li style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:16px;font-weight:normal;text-align:left;vertical-align:top;list-style-type:none;line-height:150%;padding-top:0px;padding-bottom:0px;padding-right:0px;padding-left:0px;" ><a href="#toc_item_4" style="color:#005037;text-decoration:none;font-weight:normal;" >New York is the finance capital of the world - so why are bank workers treated worse than in other countries around the world?</a></li> </ul></td> <td width="15"></td> </tr> <tr> <td><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="20" height="20" class="hide" style="display:block;" /></td> <td></td> <td></td> </tr> </table> </td> </tr> <tr> <td height="5" bgcolor="#005037" style="font-size:0px;line-height:0px;" ><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="5" height="5" style="display:block;" /></td> </tr> <tr> <td height="20"></td> </tr> <tr> <td><a name="toc_item_0"></a><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="15"> <tr> <td bgcolor="#FEE7B3"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top" class="green" style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:18px;font-weight:normal;text-align:left;vertical-align:top;" >Financial System Inquiry  call for contributions</td> </tr> <tr> <td height="15"></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" class="green" style="font-family:Arial, Helvetica, sans-serif;color:#000001;font-size:14px;text-align:left;vertical-align:top;" ><p style="margin-bottom:15px;margin-top:0px;margin-left:0px;margin-right:0px;" > On the 20th of December 2013, federal Treasurer Joe Hockey <strong>announced the final terms of reference for the Financial System Inquiry.</strong> This inquiry will be the most broad reaching and exhaustive report into the finance sector since the 1997 Wallace inquiry. Its implications for people working in the finance sector are immense.<br /> <br /> It is tremendously important that people working in the finance sector have a say in the future of the industry. This is why the Finance Sector Union is encouraging and facilitating submissions from members like you. I invite FSU members to submit contributions that will go towards the Union&rsquo;s final submission to the inquiry: the more input from members, the stronger our collective voice will be.<br /> <br /> <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-p/" style="color:#005037;text-decoration:none;font-weight:normal;" >Please read the Terms of Reference</a>&nbsp;carefully before making your contribution to the FSU&rsquo;s final submission. Contributions will be accepted between now and March 15th. You are encouraged to frame your contribution within the scope of one of the terms of reference so that your input can translate easily to the ultimate submission. For example: If you have well developed ideas in relation to 3.1:<em> the role and impact of new technologies, market innovations and changing consumer preferences and demography </em>we encourage you to address that point directly. Contributions should be brief and directly relevant to the inquiry.<br /> <br /> Further information can be found on the <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-x/" style="color:#005037;text-decoration:none;font-weight:normal;" >Finance System Inquiry website.</a><br /> <br /> The FSU submission comprising your contribution will be made available to members as soon as possible.<br /> <br /> For advice, questions or to submit your contribution please email to <a href="mailto:fsuinfo@fsunion.org.au" style="color:#005037;text-decoration:none;font-weight:normal;" >fsuinfo@fsunion.org.au</a> with FSI Submission in the subject line.<br /> <br /> <strong>Leon Carter</strong><br /> FSU National Secretary</p> </td> <td valign="top"><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="25" height="25" class="hide" style="display:block;" /></td> <td width="0" valign="top"><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-m/" target="_blank"><img label="Thumbnail 160px x 160px" border="0" src="http://i1.createsend1.com/ei/r/93/6D4/2BA/csimport/leon_pic.122849.jpg" width="160" class="hide" height="160" style="display:block;" /></a></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td height="15" style="font-size:0px;line-height:0px;" ></td> </tr> </table><a name="toc_item_1"></a><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="15"> <tr> <td bgcolor="#FFFFFF"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top" class="green" style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:18px;font-weight:normal;text-align:left;vertical-align:top;" >Fix finance pay</td> </tr> <tr> <td height="15"></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" class="green" style="font-family:Arial, Helvetica, sans-serif;color:#000001;font-size:14px;text-align:left;vertical-align:top;" ><p style="margin-bottom:15px;margin-top:0px;margin-left:0px;margin-right:0px;" > FSU workplace leaders participated in a national video hook-up in February to hear an address by National Secretary Leon Carter setting out the goals of the Our Jobs Our Future campaign in 2014, before planning local activities during afternoon workshops.<br /> <br /> Over the course of the day our LEC members shared their experiences of the impact of insecure pay, particularly the intensely stressful nature of performance assessment and management. Members talked about feeling pressured, being unnecessarily micro-managed and in some extreme cases members experienced bullying and/or harassment.<br /> <br /> Workers who are consistent high performers providing great customer service are finding themselves facing performance management intervention, with the threat of being fired if they don&rsquo;t push more products or achieve the unreasonable targets that have been set.<br /> <br /> For those that do meet their targets, the &ldquo;reward&rdquo; is often a bigger target or a higher bar to jump in the next and subsequent years.<br /> <br /> Workers talked about the stress of unfair and unachievable targets being compounded by financial worries, as they try to get by and keep the bills at bay without a guaranteed annual pay increase.<br /> <br /> Over the last 10 years or so, employers in the industry have made a concerted push towards what is often referred to as a &ldquo;performance pay system&rdquo;, in an attempt to erode the guaranteed pay system that finance workers had.<br /> <br /> Secure pay provides a guaranteed outcome so workers can plan for the future, and that&rsquo;s good for everyone.<br /> <br /> That&rsquo;s why FSU workplace leaders are committed to campaigning to fix the broken pay models that exist in our industry.<br /> <br /> Some of those workplace leaders <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-c/" style="color:#005037;text-decoration:none;font-weight:normal;" >feature in this new film.</a></p> </td> <td valign="top"><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="25" height="25" class="hide" style="display:block;" /></td> <td width="0" valign="top"><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-q/" target="_blank"><img label="Thumbnail 160px x 160px" border="0" src="http://i2.createsend1.com/ei/r/93/6D4/2BA/csimport/melina_evarts.115415.JPG" width="160" class="hide" height="160" alt="Melina&#32;Evarts&#32;-&#32;STG" style="display:block;" /></a></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td height="15" style="font-size:0px;line-height:0px;" ></td> </tr> </table><a name="toc_item_2"></a><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="15"> <tr> <td bgcolor="#FFFFFF"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top" class="green" style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:18px;font-weight:normal;text-align:left;vertical-align:top;" >International Women&rsquo;s Day 2014: Inspiring Change</td> </tr> <tr> <td height="15"></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" class="green" style="font-family:Arial, Helvetica, sans-serif;color:#000001;font-size:14px;text-align:left;vertical-align:top;" ><p style="margin-bottom:15px;margin-top:0px;margin-left:0px;margin-right:0px;" > 8th March is International Women&rsquo;s Day and the theme for 2014 is "Inspiring change", a call to inspire positive change everywhere.&nbsp; Keep an eye on Facebook and Twitter for IWD event details, FSU Fem Facts, and to meet some of our inspiring FSU women - women like NSW/ACT President Louise Arnfield <em>(opposite).<br /> <br /> I really do that think that as women finance workers we should participate wherever we can to raise our voice to let others know about the issues that don&rsquo;t just affect us: they affect our families, our friends and our communities, so IWD is an ideal avenue for that.</em><br /> <br /> <strong>Lou Arnfield,</strong> CBA</p> </td> <td valign="top"><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="25" height="25" class="hide" style="display:block;" /></td> <td width="0" valign="top"><img label="Thumbnail 160px x 160px" border="0" src="http://i3.createsend1.com/ei/r/93/6D4/2BA/csimport/lou_arnfield_pic.115623.jpg" width="160" class="hide" height="160" alt="Louise&#32;Arnfield" style="display:block;" /></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td height="15" style="font-size:0px;line-height:0px;" ></td> </tr> </table><a name="toc_item_3"></a><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="15"> <tr> <td bgcolor="#FFFFFF"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top" class="green" style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:18px;font-weight:normal;text-align:left;vertical-align:top;" >Recruit and Win! Only one week to go!</td> </tr> <tr> <td height="15"></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" class="green" style="font-family:Arial, Helvetica, sans-serif;color:#000001;font-size:14px;text-align:left;vertical-align:top;" ><p style="margin-bottom:15px;margin-top:0px;margin-left:0px;margin-right:0px;" > Congratulations to the many finance workers who have already won terrific prizes during our <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-a/" style="color:#005037;text-decoration:none;font-weight:normal;" >Summer Recruitment Competition</a>. There&rsquo;s just one week to go until the competition closes and the major prize draw occurs, so make sure you let us know about your new recruits and get their membership forms in to the FSU office by close of business Friday 28th February to be in the running for a chance to win!<br /> <br /> <em>Bela Romer has gone great guns this month and was presented with a wifi-enabled iPad by FSU Vic/Tas Branch Secretary Darren Martin.</em></p> <table width="0%" border="0" cellspacing="0" cellpadding="0"> <tr> <td height="10" style="font-size:0px;line-height:0px;" ></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="5"> <tr> <td align="center" valign="middle" bgcolor="#4D8E78" class="white" style="font-family:Arial, Helvetica, sans-serif;color:#FFFFFF;font-size:14px;text-align:center;vertical-align:middle;font-weight:bold;" ><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-f/" style="font-weight:normal;color:#FFFFFF;text-decoration:none;" >Read more</a></td> </tr> </table></td> </tr> </table></td> <td valign="top"><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="25" height="25" class="hide" style="display:block;" /></td> <td width="0" valign="top"><img label="Thumbnail 160px x 160px" border="0" src="http://i4.createsend1.com/ei/r/93/6D4/2BA/csimport/bela_romer.120620.JPG" width="160" class="hide" height="160" alt="Recruit&#32;&amp;&#32;Win&#32;winner&#32;-&#32;Bela&#32;Romer" style="display:block;" /></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td height="15" style="font-size:0px;line-height:0px;" ></td> </tr> </table><a name="toc_item_4"></a><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="15"> <tr> <td bgcolor="#FFFFFF"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top" class="green" style="color:#005037;font-family:Arial, Helvetica, sans-serif;font-size:18px;font-weight:normal;text-align:left;vertical-align:top;" >New York is the finance capital of the world - so why are bank workers treated worse than in other countries around the world?</td> </tr> <tr> <td height="15"></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%" align="left" valign="top" class="green" style="font-family:Arial, Helvetica, sans-serif;color:#000001;font-size:14px;text-align:left;vertical-align:top;" ><p style="margin-bottom:15px;margin-top:0px;margin-left:0px;margin-right:0px;" > The Committee for Better Banks (CBB), Communication Workers of America (CWA) and UNI Finance Global Union (UNI) have joined forces to campaign for better working conditions for finance workers in the United States and throughout the world. The delegation organized a day of action in New York City on February 18th to highlight key inequalities and injustices faced by America&rsquo;s finance workers, bringing together bank workers from across the world to march on Wall Street and show their solidarity for the cause of America&rsquo;s downtrodden employees.</p> <p style="margin-bottom:15px;margin-top:0px;margin-left:0px;margin-right:0px;" > UNI Global Finance says US bank workers have not been able to express their rights to organize together in a union. This means that the employees don&rsquo;t have a voice and are not able to bargain collectively for fair pay and better working conditions. According to a Committee for Better Banks report, there exists a tale of two banking industries. The outsized wealth and power of Wall Street is evidenced in salary raises of CEO&rsquo;s like Jamie Dimon, who in 2013 received a 74% pay increase making his salary closer to $20 million, after being fined $20 billion dollars in regulatory and criminal charges. Meanwhile, average bank worker wages are so low that almost one third of bank tellers in America receive public assistance. Over a third of tellers are living at or below poverty level in contrast to the executives of Wall Street.<br /> <br /> <strong><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-e/" style="color:#005037;text-decoration:none;font-weight:normal;" >Find out more about the Global Day of Action and read the report</a><br /> <br /> <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-s/" style="color:#005037;text-decoration:none;font-weight:normal;" >Join the campaign</a></strong></p> </td> <td valign="top"><img border="0" src="http://i5.createsend1.com/ti/r/19/53C/4EC/160445/images/spacer.gif" width="25" height="25" class="hide" style="display:block;" /></td> <td width="0" valign="top"><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-g/" target="_blank"><img label="Thumbnail 160px x 160px" border="0" src="http://i5.createsend1.com/ei/r/93/6D4/2BA/csimport/wolf.122535.JPG" width="160" class="hide" height="160" style="display:block;" /></a></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td height="15" style="font-size:0px;line-height:0px;" ></td> </tr> </table></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="15"> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td align="left" valign="top"><table border="0" cellspacing="0" cellpadding="0"> <tr> <td><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-w/" target="_blank"><img src="http://i10.createsend1.com/ti/r/19/53C/4EC/160445/images/fb.gif" alt="Facebook" width="37" height="38" border="0" style="display:block;" /></a></td> <td width="12"></td> <td><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-yd/" target="_blank"><img src="http://i1.createsend1.com/ti/r/19/53C/4EC/160445/images/yt.gif" alt="YouTube" width="38" height="38" border="0" style="display:block;" /></a></td> <td width="12"></td> <td><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-yh/" target="_blank"><img src="http://i2.createsend1.com/ti/r/19/53C/4EC/160445/images/tw.gif" alt="Twitter" width="37" height="38" border="0" style="display:block;" /></a></td> </tr> </table></td> <td align="right" valign="bottom"><table border="0" cellspacing="0" cellpadding="0" class="hide"> <tr> <td style="font-family:Arial, Helvetica, sans-serif;font-size:11px;color:#000001;font-style:italic;text-align:right;vertical-align:bottom;" >Authorised by Leon Carter, National Secretary</td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td height="15"></td> </tr> <tr> <td height="5" bgcolor="#005037" style="font-size:0px;line-height:0px;" ></td> </tr> <tr> <td><table width="100%" border="0" cellspacing="0" cellpadding="20"> <tr> <td align="center" valign="middle" class="black" style="font-family:Arial, Helvetica, sans-serif;font-size:11px;color:#000001;text-align:center;vertical-align:middle;" ><a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-yk/" target="_blank" style="color:#000001;text-decoration:none;" >Privacy Policy</a> | <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-yu/" target="_blank" style="color:#000001;text-decoration:none;" >Disclaimer</a> | <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-jl/" target="_blank" style="color:#000001;text-decoration:none;" >Contact Us</a> | <a href="http://email.theorchardagency.com.au/t/r-l-pdyyuhl-l-jr/" target="_blank" style="color:#000001;text-decoration:none;" >Home Page</a> | <a href="http://email.theorchardagency.com.au/t/r-u-pdyyuhl-l-y/" style="color:#000001;text-decoration:none;" >Unsubscribe</a></td> </tr> </table></td> </tr> </table></td> </tr> </table></td> </tr> </table> </body> </html>