The way money moves in Australia is rapidly changing. Since 1966, Cuscal has been helping lead that change. In fact, for Nathan Churchward, the future of payments is where his best work happens. As Head of Product Solutions and Innovation, his role sits at the intersection of technology, strategy, and possibility. Read on to find out how Nathan and his team lead the way forward with integrity, curiosity, and technical insight.
Building what’s next
At Cuscal, innovation isn’t a side project. It’s built into our identity. Nathan and his team combine deep industry expertise with curiosity and experimentation, exploring how emerging technologies and new forms of digital money could improve settlement, liquidity, and real-time payment capabilities across the financial system.
This is the kind of work that sets Cuscal apart: we don’t just deliver payment products, we create capability. Our systems underpin how millions of Australians move money, every hour of every day. For Nathan, that connection between innovation and real-world impact is the best part of the job.
“The work is complex, but it’s also incredibly rewarding,” says Nathan. “We can see the ripple effect of what we do. When we improve our products, services, and systems. We allow our clients to thrive, and that makes a difference for people across the whole country.”
Evolution in motion
Since joining us in 2014, Nathan has seen transformation and innovation become part of Cuscal’s DNA. Recently, agile ways of working, a public listing and a stronger focus on growth have all contributed to Cuscal’s evolution.
“Cuscal has always been evolving,” says Nathan. “The difference now is that we’re more deliberate and every part of the business is focused on reaching its potential.”
Nathan’s own career is a reflection of that progress. Starting in product management before taking on innovation leadership, Nathan has had a front-row seat to every phase of our transformation.
Over the years, Nathan has seen Cuscal grow to support a diverse range of banks, payment services providers, and others in the financial services industry. All powered by a shared drive to deliver better, faster, and safer payment solutions.
“What’s kept me here is that I’ve never stopped learning. Every few years, the business shifts or the market shifts, and you adapt. You get to contribute to that change here and see it take shape in real time.”
That sense of movement isn’t just about technology; it’s about people. Collaboration sits at the heart of how Nathan and his team work, and he sees that as one of Cuscal’s greatest strengths.
“When people share an objective, it builds momentum,” he says. “We learn together, we deliver together and we celebrate together. That energy is what keeps us moving forward.”
The road ahead
For Nathan, the excitement lies in what’s to come. Digital currencies, tokenisation, and artificial intelligence (AI) are reshaping how the financial world operates. With nearly half of Australia’s banks relying on Cuscal’s technology to power their payments, every new capability we build has a ripple effect across the whole payments industry.
“We’re not just watching change happen,” says Nathan. “We’re part of shaping it. The future of payments is about connection, real-time value and intelligence, and we’re in a perfect position to lead that next chapter.”
“At Cuscal, you get both depth and breadth. You see how the entire payments system fits together;- issuing, acquiring, data, and innovation where you get to influence it. If you want to understand how it all works and help shape where it’s heading, this is the place to do it.”
Away from the office, Nathan’s curiosity doesn’t switch off. He’s known for his love of dance music and his uncompromising taste in coffee. This combination of rhythm and focus feels fitting for someone who thrives on forward momentum.
“I’ve always been drawn to things that have energy and impact,” he says. “That’s true at work and outside it. When you find that rhythm, you want to keep building on it.”
For Nathan, that rhythm is the sound of progress, and for Cuscal, it’s a future we’re building together.
Join Nathan for an accomplished career that’s growing.
Important Information: Information in this article is current as at 29 April 2026 and is subject to change. This article represents personal opinions and views only. This article is provided for general information purposes only and does not have regard to the situation or needs of any reader and must not be relied upon as advice. Before acting on this information, consider its appropriateness to your business Cuscal Limited ABN 95 087 822 455.
Cuscal Limited (ASX:CCL) (Cuscal) has advised the market today that it has entered into an exclusive arrangement with Retail International Holding S.A.S. (Worldline) to acquire 100% of Paymark Limited, (Paymark), a leading payments services provider in New Zealand, (the Acquisition).
Because Worldline is a French company, the agreement is subject to a mandatory French regulatory consultation process customary for a transaction of this nature. Subject to the completion of that process, completion of the Acquisition is expected to occur by the end of this financial year.
The Acquisition expands Cuscal’s market position in New Zealand, providing immediate national‑scale relevance in an on-strategy economy and supports Cuscal’s ability to serve clients operating across Australia and New Zealand.
Paymark is a core part of New Zealand’s payments infrastructure, processing more than 1.5 billion transactions each year and serving all major New Zealand banks, alongside a broad base of enterprise and merchant clients. It is a well‑established business with an experienced leadership team and a strong reputation in the New Zealand market.
Commenting on the Acquisition, Cuscal Managing Director Craig Kennedy said: “Paymark represents a strategically aligned opportunity where value creation will be driven by strong standalone economics, limited integration, and the opportunity to deliver sustainable, long-term returns for our shareholders. We are excited by the opportunity to expand our presence in New Zealand and look forward to welcoming the Paymark team to Cuscal.”
The Acquisition will be funded via an equity raise, comprising a fully underwritten Institutional Placement of A$30 million. Cuscal will also undertake a non-underwritten Share Purchase Plan for up to A$3 million, which would cover all transaction costs.
About Cuscal Cuscal is a leading payments and regulated data services provider, connecting banks, fintechs, and corporates to Australia’s payments infrastructure since 1966. Our mission is to partner with forward-thinking businesses to deliver innovative and secure payment solutions that drive growth in the economy.
Anya FitzGibbon has always understood that technology is only as powerful as the people using it. As Head of AI and Data at Cuscal, she’s making artificial intelligence (AI) accessible for everyone, not to replace human work, but to allow more people to do the work they love.
Connecting people with possibility
Fresh off the plane on a working holiday, Anya FitzGibbon couldn’t believe her luck that her first job in Australia gave her a view of the Sydney Opera House and Harbour Bridge. Manning the IT help desk for an investment firm, she spent her days helping people navigate tech issues, watching Sydney’s bustling streets from her window.
It was a constant reminder that while technology was all around, people remained at the heart of her impact.
“I really do believe tech is here to help people. What it can do for us individually is boundless, it’s only limited by our imaginations. I think that was why I eventually moved into software development. Though I wasn’t the strongest developer, I understood what people needed.”
Over the next two decades, the former backpacker built a life in Australia, with her career spanning the finance, energy, and investment sectors. It was in her previous role as Head of Data Governance that she truly found her stride in the emerging world of AI.
“I really sank my teeth into the world of AI. Not just developing a strategy but bringing it to life through lasting cultural change. While I love tech, I understand the importance of keeping it simple, translating it into plain terms so people aren’t afraid of it and can make the most of it.”
In a way, it wasn’t too dissimilar to Anya’s first job at the IT help desk where she helped people navigate technology in a way that makes their lives easier, just at a larger scale.
Anya’s unique blend of skills prepared her perfectly for what came next. When she saw Cuscal advertising a role as Head of AI and Data, she knew it was a rare opportunity to combine two disciplines she enjoyed. But she didn’t expect to find such a welcoming culture, even before her first day.
“Every step of the recruitment process was amazing. I met people who were passionate about people, progress, and change, just like I am. It seemed to be a good fit. It left me wanting to join the organisation – obviously in that role, but I probably would have done anything!” Anya laughs.
Going the distance
Still in her early days as Head of AI and Data, Anya is putting people at the forefront of her AI strategy. By engaging with leaders across the business to understand their specific challenges and hosting initiatives like AI breakfasts and ‘Copilot Connect’ sessions, she is actively dismantling the fear often associated with AI adoption.
“You can’t underestimate the impact change has on people. It can make or break what you’re doing,” Anya says. “I always try to understand the organisation I’m working with first. It’s about getting buy-in and showing people how to use new tech effectively. Once you remove the mystery, you remove the fear.”
One of Anya’s first initiatives was to ensure everyone at Cuscal had access to AI tools, procuring Microsoft Copilot licenses for everyone in the organisation. She also reimagined the onboarding process, replacing lengthy training sessions with a streamlined approach that makes AI accessible from day one.
Anya is aware that everyone moves at different speeds when it comes to new technology, so her approach is designed to support everyone.
“The way I see it, we have our ‘long-distance runners’ and our ‘sprinters.’ We need to try and get everyone in the organisation to develop literacy around AI, to run at least one kilometre. To do that, we’re using micro-learning and sharing prompts to spark ideas. The best innovations won’t come from me, they’ll come from the people using these tools every day.”
More human than ever before
Anya is enlisting the ‘sprinters’ of Cuscal to test a new initiative: the ‘Agentic Talent Hub.’ She’s building AI agents designed to reduce the organisation’s administrative burdens.
“Having AI handle routine tasks means we can be more human than ever before. I was speaking to someone in our procurement team who told me that the real value they provide is negotiating good pricing, but it’s hard to do that when 60% of the role is administration.”
If the agents prove their value, Anya will be able to scale them to help more people.
“That would be a win-win. Procurement can do what they’re best at, and Cuscal will get the better prices we want. That’s so exciting about the Agentic Talent Hub, it means more people doing the work they enjoy and creating a rhythm where we’re improving everyone’s day-to-day life.”
Anya’s mission isn’t just about efficiency; it’s about improving the lives of the people behind the screen. For the busy mum of three, that means more time spent with her family, out on her road bike or teaching weekly pilates classes. It’s about a future built on balance, where AI means more humanity, not less.
“AI is super powerful, but it doesn’t have to be scary. Whether it’s writing an email, giving you a dad joke or solving a complex problem, there is a nugget of pure joy in AI for everyone. Just finding that nugget is the challenge.”
Join Anya for an accomplished career that’s growing.
Important Information: Information in this article is current as at 26 March 2026 and is subject to change. This article represents personal opinions and views only. This article is provided for general information purposes only and does not have regard to the situation or needs of any reader and must not be relied upon as advice. Before acting on this information, consider its appropriateness to your business Cuscal Limited ABN 95 087 822 455.
Fraud and scams are rising, and they’re shaking customer confidence at its foundation. Every scam attempt is a moment of vulnerability for your customers. Based on Cuscal’s Quarterly Insights research with over 2,000 Australian consumers, 57% of respondents face scam attempts weekly, and almost one in three has been impacted. Behind every statistic is a person who wants to feel safe when they bank with you.
Trust Starts with Security
Security and trust go hand in hand. Customers expect robust protection, but they also value reassurance that you genuinely have their best interests at heart. Trust drives loyalty, and loyalty translates into retention and revenue. When customers feel both protected and valued, they stay.
Security as a Strategic Advantage
As confirmed by our latest survey and qualitative community study, communication plays a critical role in building that trust. Nine out of ten respondents believe their financial institution should do more to protect them, and 86% want regular updates on new scam tactics. Security has evolved beyond compliance. Today, it’s a competitive advantage and a core promise that influences why customers choose you and stay with you.
Our insights point to five essentials:
Visible, robust protection such as multi-factor authentication and real-time alerts.
Proactive education through scam alerts via SMS, in-app notifications, and targeted campaigns.
Empathetic support with fast, human responses when things go wrong.
Transparent communication that keeps customers informed every step of the way.
Customisable security options that give customers control and confidence.
Strengthening Your Fraud Defences
Fraud prevention goes beyond protection. You’re earning trust when it matters most, and that trust becomes the foundation of lasting customer relationships. Cuscal can help you deliver on that promise with advanced fraud monitoring for cards and real-time payments, AI-driven detection tools, and comprehensive financial crime solutions that keep you ahead of emerging threats.
Stay Ahead of Fraud Threats
Explore the full report for practical strategies, real-world case studies, and industry benchmarks that can help you stay ahead of emerging threats.
Get the White Paper
Complete the below form and we will email you the PDF.
Important Information: Information in this web copy and White Paper are current as at 04 March 2026 and is subject to change. This information is provided for general information purposes only and not for the purpose of providing legal, financial or investment advice. The information contained in the web copy and White Paper does not constitute an offer, a solicitation of an offer or to enter a legally binding contract. The web copy and White Paper contains material provided by third parties. While such material is published with the necessary permission, Cuscal does not accept any responsibility for the accuracy or completeness of any such material. Although Cuscal has made every effort to ensure the information is free from error, Cuscal does not warrant the accuracy, adequacy or completeness of the information. Except where contrary to law, Cuscal intends by this notice to exclude liability for the information. This web copy and White Paper is not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
Digital settlement is often discussed in broad, abstract terms. As a future state enabled by new forms of money and new technology. What is less frequently explored is what becomes visible when those ideas are tested inside real, regulated financial markets, alongside existing infrastructure, risk frameworks, and operating realities.
Cuscal participated in Project Acacia across multiple use cases, contributing not only insight informed by our role across payments and market infrastructure, but also practical capability through the use of our existing payments rails. Being directly involved in how funds moved, and where friction emerged, sharpened our understanding of where digital settlement delivers the most value in practice. What stood out was not digital settlement as a replacement for existing systems, but as an evolution that works with them.
This article reflects on those experiences through three use cases Cuscal was directly involved in, offering a grounded view of how digital settlement begins to take shape when tested inside real markets.
What is Project Acacia?
Project Acacia was designed to explore how digital forms of value, including tokenised assets, stablecoins and wholesale central bank digital currency (CBDC), could be used to support settlement in wholesale markets.
Rather than pursuing a single model, the project brought together 24 innovative use cases from a diverse range of organisations, spanning major banks, superannuation funds, asset managers, payment providers and fintech’s. By combining existing banking and payments infrastructure with stablecoin technology and live market participants, the pilots created a realistic setting to test how digital settlement works in practice.
What participation revealed in practice
Participating in Project Acacia provided Cuscal with the opportunity to observe digital settlement in action across a range of real-world scenarios. The three use cases that follow reflect different aspects of how digital settlement interacts with existing market structures, infrastructure, and participant needs.
Across each, Cuscal provided connectivity via our payments rails and acted as both stablecoin issuer and distributor of wholesale central bank digital currency, enabled by our status as an authorised deposit-taking institution with an RBA Exchange Settlement Account.
Use case one: Compressing settlement in wholesale markets with Imperium Markets
Imperium Markets led a use case focused on one of the most entrenched features of wholesale markets: settlement delays that are widely accepted as normal, despite the cost and risk they introduce.
What was tested, and why it mattered In many wholesale transactions, agreements are reached instantly, but settlement still occurs one or two days later. That timing gap has practical consequences. The financial impact created by the timing gap between agreement and settlement is borne either by the investor, when issuance is delayed until the funds are received, or by the issuer, who absorbs the administrative costs associated with delayed or corrected provisioning as part of normal business operations. The same tension appears again at maturity when proceeds cannot be reinvested immediately because settlement lags the financial event.
This use case tested whether digital settlement could meaningfully reduce that gap. Transactions executed on Imperium’s ASIC-licensed marketplace were settled using a stablecoin backed by wholesale central bank digital currency, allowing the asset and the payment to move together. The same mechanism was also used for coupon and maturity payments, extending digital settlement across the full lifecycle of the asset.
What we learnt by being involved What stood out for us was how quickly long-accepted frictions became visible once settlement moved closer to real time. Settlement times were reduced from days to under 30 minutes, without changing the underlying economic transaction.
More importantly, the use case showed that compressing settlement windows does not require reinventing markets. It requires rethinking how and when value moves. For wholesale markets, that shift has direct implications for liquidity, reinvestment, and how settlement risk is shared.
Use case two: Enabling two-way exchange between bank accounts and tokenised value with Australian Payments Plus
Australian Payments Plus (AP+) led a use case exploring how Australia’s existing payments infrastructure could support a seamless two-way exchange between money held in bank accounts and tokenised forms of value.
What was tested, and why it mattered While tokenised assets and digital currencies are gaining attention, moving money between bank accounts and tokenised environments often involves additional steps or bespoke processes. In practice, that effort matters. If converting money into tokenised form feels cumbersome, it becomes a deterrent to holding or using tokenised value at all.
This desktop proof-of-concept explored how the New Payments Platform (NPP) could function as an on and off ramp, enabling conversion between bank account money and tokenised value using existing rails. The working concept, referred to as an NPP Coin Service, examined what technical adaptations, application programming interfaces and settlement enhancements would be required, alongside risks related to financial stability, privacy, security, and regulatory obligations.
What we learnt by being involved For us, this use case reinforced that digital settlement only delivers value if it fits naturally into how participants already operate. Reducing the effort required to move between bank accounts and tokenised value is not a nice-to-have. It is a prerequisite for adoption.
Exploring the NPP as an on and off ramp highlighted the potential of existing payments infrastructure to support digital settlement, provided these connection points are deliberately designed rather than treated as an afterthought.
Use case three: Enabling interoperability between tokenised currencies with Australian Payments Plus
AP+ also led a use case focused on a growing challenge in digital settlement markets: how transactions work when multiple tokenised currencies coexist.
What was tested, and why it mattered As more institutions issue or prefer different forms of tokenised value, fragmentation becomes inevitable. A participant may hold one tokenised currency, only to find it is not accepted by the party they want to transact with. Over time, this uncertainty becomes a barrier to adoption.
This use case explored whether a neutral, scheme-based token interchange could reduce that friction. The concept allowed a payment to be made in one tokenised currency and received in another, without requiring either party to hold multiple instruments. Wholesale central bank digital currency was used as a neutral interchange asset to support coordinated exchange between privately issued tokens.
What we learnt by being involved For us, this use case reinforced that early-stage markets rarely standardise quickly. Expecting participants to converge on a single tokenised currency too early risks slowing adoption rather than accelerating it. What became clear is that interoperability can matter more than uniformity. A neutral interchange layer has the potential to reduce fragmentation, lower barriers to participation and allow different tokenised currencies to coexist without limiting who can transact with whom.
What participation revealed
One of the most valuable aspects of participating in Project Acacia was the opportunity to step back from familiar systems and see them through a different lens. Testing digital settlement in a live, regulated environment prompted deeper questions about how existing processes evolved, why certain frictions are accepted as normal, and where alternative approaches might better serve today’s markets.
Taken together, the use cases show where digital settlement aligns most closely with how markets actually operate today. Not as a single solution, but as a targeted evolution that addresses specific points of friction where timing, risk and complexity already impose real cost.
From our participation in Project Acacia, it became clear that progress will be shaped less by technology alone, and more by how thoughtfully new capabilities are integrated into the financial system as it exists today.
About Cuscal
Cuscal has played a foundational role in shaping the nation’s payments ecosystem for over 60 years as Australia’s largest independent provider of end-to-end payments and regulated data solutions.
We combine the licensing, infrastructure, and regulatory oversight of an Authorised Deposit-taking Institution (ADI) with the innovation, agility and client focus of a fintech. From real-time payments, card issuing, and acquiring, to fraud monitoring, digital wallets, regulated data services and more. Our clients trust us to simplify complexity, reduce risk, and help them compete.
References Treasury Today, ‘Cuscal IPO raises AU$337m on ASX’, Treasury Today website, article, Feb 2026, accessed 5 February 2026, <https://treasurytoday.com/asa-asia-winners-2025/cuscal-ipo-raises-au337m-on-asx/>
Digital Finance Cooperative Research Centre, ‘Project Acacia’, Digital Finance Cooperative Research Centre website, project overview, accessed 30 January 2026, <https://dfcrc.com.au/projects-cbdc-acacia/>
Digital Finance Cooperative Research Centre, ‘Project Acacia: Summary of use cases’, Digital Finance Cooperative Research Centre website, project summary report, August 2025, accessed 30 January 2026, <https://dfcrc.com.au/wp-content/uploads/2025/08/Project-Acacia-summary-of-use-cases.pdf>
Reserve Bank of Australia, ‘Project Acacia: Exploring the role of digital money in wholesale markets’, Reserve Bank of Australia website, media release, 18 June 2025, accessed 30 January 2026, <https://www.rba.gov.au/media-releases/2025/mr-25-18.html>
Reserve Bank of Australia, ‘Reserve Bank and Digital Finance CRC to explore central bank digital currency’, Reserve Bank of Australia website, media release, 15 November 2024, accessed 30 January 2026, <https://www.rba.gov.au/media-releases/2024/mr-24-25.html>
Important Information: Information in this article is current as at 16 February 2026 and is subject to change. This article represents personal opinions and views only. This article is provided for general information purposes only and does not have regard to the situation or needs of any reader and must not be relied upon as advice. Before acting on this information, consider its appropriateness to your business. This article is not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
Aligning pre IPO shareholders for a secondary selldown
Securing approval from the Australian Prudential Regulation Authority (APRA)
Developing a comprehensive prospectus
Effectively communicating a nuanced and complex, business model to the market
Best Practice and Innovation: What Set Cuscal Apart
Treasury Today Asia highlighted three aspects of Cuscal’s IPO execution that contributed to its Best IPO Listing award win:
Disciplined, Collaborative Preparation – Cuscal maintained a structured yet agile preparation process, underpinned by real-time scenario planning and capital allocation modelling. time scenario planning and capital allocation modelling.
Innovative Three Tier Offer Structure – The IPO featured institutional, broker firm, and employee/director priority allocations, ensuring broad participation and guaranteed access for internal stakeholders.
Strong Risk and Governance Framework – A disciplined approach to risk management and investor communication facilitated a smooth process in a complex and highly scrutinised environment.
Read the Case Study originally published on Treasury Today’s website for more information.
References Treasury Today, ‘Cuscal IPO raises AU$337m on ASX’, Treasury Today website, article, Feb 2026, accessed 5 February 2026, <https://treasurytoday.com/asa-asia-winners-2025/cuscal-ipo-raises-au337m-on-asx/>
Important Information: Information in this article is current as at 11 February 2026 and is subject to change. The article and case study contains material provided by third parties. While such material is published with the necessary permission, Cuscal does not accept any responsibility for the accuracy or completeness of any such material. Although Cuscal has made every effort to ensure the information is free from error, Cuscal does not warrant the accuracy, adequacy or completeness of the information. Except where contrary to law, Cuscal intends by this notice to exclude liability for the information. This web copy and video are not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
Since joining Cuscal in 2023, Senior Group Corporate Counsel Josh Temkin has embraced complex challenges including a standout career milestone, helping lead Cuscal through its successful ASX listing. Now, with major strategic and regulatory projects ahead, Josh is energised by the opportunity to help shape the future of Australia’s payments landscape. Driven, curious and always ready to lean in, pushing Cuscal forward.
Watch the video about Josh and hear his story.
Important Information: The information in this video and web copy is current as at 9 February 2026 and is subject to change. This information is provided for general information purposes only and not for the purpose of providing legal, financial or investment advice. This web copy and video are not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
IT Change Manager Anchal Gandotra brings a powerful perspective to Cuscal’s mission: every tap, transfer and transaction we enable has a real impact on people’s lives. Since joining Cuscal, Anchal has embraced complex challenges, stepped confidently into new leadership opportunities and helped drive meaningful, client focused improvements across our systems and teams. Her journey reflects what’s possible in a place that backs potential, values curiosity and empowers people to make their mark.
Watch the video about Anchal and hear her story.
Important Information: The information in this video and web copy is current as at 9 February 2026 and is subject to change. This information is provided for general information purposes only and not for the purpose of providing legal, financial or investment advice. This web copy and video are not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
Client Partnership Manager Simon Riordan brings a problem solver’s mindset and a genuine client first approach to every challenge. From helping fast moving fintechs implement complex payment solutions to navigating the balance between innovation and regulation, Simon thrives on connecting the pieces and finding the right path forward. At Cuscal, he’s discovered a culture where ideas flow, collaboration is real and doing right by clients isn’t just encouraged, it’s expected.
Watch the video about Simon and hear his story.
Important Information: The information in this video and web copy is current as at 9 February 2026 and is subject to change. This information is provided for general information purposes only and not for the purpose of providing legal, financial or investment advice. This web copy and video are not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
When Lalita Sateesh Babu joined Cuscal in 2021, she stepped straight into the pioneering world of Open Banking and helping shape a new era of data, payments and innovation. Today, as a leader in Operational Risk and Regulatory Compliance, she brings curiosity, integrity and a solutions‑focused mindset to every challenge. Lalita’s journey is a testament to the opportunities at Cuscal: continuous learning, broad exposure across the business and the chance to make meaningful impact in a rapidly evolving industry.
Watch the video about Lalita and hear her story.
Important Information: The information in this video and web copy is current as at 9 February 2026 and is subject to change. This information is provided for general information purposes only and not for the purpose of providing legal, financial or investment advice. This web copy and video are not to be distributed to any other party without Cuscal’s prior written consent. Cuscal Limited ABN 95 087 822 455.
