Ann: Appendix 4C - quarterly, page-30

I think that you may be missing the point that I am making about the "Moral hazard" issue.......

It is my own view that if the Co was aware of the so called " Moral Hazard " issue whilst dealing with the CBA during the Pilot period then they should have immediately terminated any agreement they had with the CBA and put Co funds / time / effort to better use elsewhere...... and the moral hazard situation should have been reported to s/holders as price sensitive material.

I for one would also like the Co to fully disclose by way of a Co announcement as to what this " Moral Hazard " actually entailed and why the Co continued on doing business with them..........

IMO, a full and frank disclosure would be appreciated rather than this cone of silence on this particular issue and also as to actually why the CBA deal/agreement never evenuated... !! ??