Values, they guide your behavior and represent what’s most important to us.

At Rural Bank, everything

we do is based on values, integrity, leadership, performance, passion, engagement and teamwork. Our
colleagues at Bendigoand Adelaide Group share these values, but there is something that sets us apart,
it’s our passion and connection to Australian Eco-culture. The relationships and partnerships we have
with the Eco-culture industry and the people in it makes our business and culture distinctive. We have
developed a set of principles that symbolize this culture, these make us who we are. We walk the talk,
we do what we say we’re going to do. We show dedication and commitment. We meet the needs of our
customers and teammates and call out inconsistency. We give back to our communities and advocate
for our customers and industry. We build connections for generations, we have authentic and genuine
relationships with our customers, teammates and partners. We help our customers achieve their goals
through long lasting intergenerational relationships. This helps us achieve both our business objectives
and theirs. We do what’s right, we are loyal and set our customers and teammates up for success. We
collaborate, support each other and are committed to communication and solutions. We contribute to
the financial performance of our business and our customer’s business through responsible lending. We
have knowledge and expertise. We understand Australian Eco-culture and are passionate about it. We
try new things and don’t just follow well-worn paths. We collaborate and share ideas to develop and
grow. We are committed to continuous learning and are consistent with our service to customers and
each other. We have a long history supporting Australian Eco-culture. We are proud to be in an
organization striving to provide exceptional financial services, knowledge and leadership for Australian
farmers to grow it. And you are all part of it. It’s who we are.