













BEGIN:VCARD
VERSION:3.0
N:Hamer;Rosemary;;;
FN:Rosemary Hamer
TITLE:Special Counsel
ORG:Sparke Helmore Lawyers
ADR;TYPE=work:;;Level 33\, 500 Bourke Street\, Melbourne Vic. 3000;;;;
TEL;TYPE=work:+61 3 9291 2323
EMAIL;TYPE=work:rosemary.hamer@sparke.com.au
URL;TYPE=WORK:https://www.sparke.com.au/people/rosemary-hamer/
CATEGORIES:All.Commercial Insurance.Liability,All.Commercial Insurance.Life 
 / Accident & health,All.Commercial Insurance.Professional Indemnity
TZ:+11:00
PHOTO;ENCODING=b;TYPE=jpeg:/9j/4gxYSUNDX1BST0ZJTEUAAQEAAAxITGlubwIQAABtbnRy
 UkdCIFhZWiAHzgACAAkABgAxAABhY3NwTVNGVAAAAABJRUMgc1JHQgAAAAAAAAAAAAAAAQAA9t
 YAAQAAAADTLUhQICAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA
 AAAAABFjcHJ0AAABUAAAADNkZXNjAAABhAAAAGx3dHB0AAAB8AAAABRia3B0AAACBAAAABRyWF
 laAAACGAAAABRnWFlaAAACLAAAABRiWFlaAAACQAAAABRkbW5kAAACVAAAAHBkbWRkAAACxAAA
 AIh2dWVkAAADTAAAAIZ2aWV3AAAD1AAAACRsdW1pAAAD+AAAABRtZWFzAAAEDAAAACR0ZWNoAA
 AEMAAAAAxyVFJDAAAEPAAACAxnVFJDAAAEPAAACAxiVFJDAAAEPAAACAx0ZXh0AAAAAENvcHly
 aWdodCAoYykgMTk5OCBIZXdsZXR0LVBhY2thcmQgQ29tcGFueQAAZGVzYwAAAAAAAAASc1JHQi
 BJRUM2MTk2Ni0yLjEAAAAAAAAAAAAAABJzUkdCIElFQzYxOTY2LTIuMQAAAAAAAAAAAAAAAAAA
 AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAWFlaIAAAAAAAAPNRAAEAAAABFs
 xYWVogAAAAAAAAAAAAAAAAAAAAAFhZWiAAAAAAAABvogAAOPUAAAOQWFlaIAAAAAAAAGKZAAC3
 hQAAGNpYWVogAAAAAAAAJKAAAA+EAAC2z2Rlc2MAAAAAAAAAFklFQyBodHRwOi8vd3d3LmllYy
 5jaAAAAAAAAAAAAAAAFklFQyBodHRwOi8vd3d3LmllYy5jaAAAAAAAAAAAAAAAAAAAAAAAAAAA
 AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAABkZXNjAAAAAAAAAC5JRUMgNjE5NjYtMi4xIERlZm
 F1bHQgUkdCIGNvbG91ciBzcGFjZSAtIHNSR0IAAAAAAAAAAAAAAC5JRUMgNjE5NjYtMi4xIERl
 ZmF1bHQgUkdCIGNvbG91ciBzcGFjZSAtIHNSR0IAAAAAAAAAAAAAAAAAAAAAAAAAAAAAZGVzYw
 AAAAAAAAAsUmVmZXJlbmNlIFZpZXdpbmcgQ29uZGl0aW9uIGluIElFQzYxOTY2LTIuMQAAAAAA
 AAAAAAAALFJlZmVyZW5jZSBWaWV3aW5nIENvbmRpdGlvbiBpbiBJRUM2MTk2Ni0yLjEAAAAAAA
 AAAAAAAAAAAAAAAAAAAAAAAAAAAHZpZXcAAAAAABOk/gAUXy4AEM8UAAPtzAAEEwsAA1yeAAAA
 AVhZWiAAAAAAAEwJVgBQAAAAVx/nbWVhcwAAAAAAAAABAAAAAAAAAAAAAAAAAAAAAAAAAo8AAA
 ACc2lnIAAAAABDUlQgY3VydgAAAAAAAAQAAAAABQAKAA8AFAAZAB4AIwAoAC0AMgA3ADsAQABF
 AEoATwBUAFkAXgBjAGgAbQByAHcAfACBAIYAiwCQAJUAmgCfAKQAqQCuALIAtwC8AMEAxgDLAN
 AA1QDbAOAA5QDrAPAA9gD7AQEBBwENARMBGQEfASUBKwEyATgBPgFFAUwBUgFZAWABZwFuAXUB
 fAGDAYsBkgGaAaEBqQGxAbkBwQHJAdEB2QHhAekB8gH6AgMCDAIUAh0CJgIvAjgCQQJLAlQCXQ
 JnAnECegKEAo4CmAKiAqwCtgLBAssC1QLgAusC9QMAAwsDFgMhAy0DOANDA08DWgNmA3IDfgOK
 A5YDogOuA7oDxwPTA+AD7AP5BAYEEwQgBC0EOwRIBFUEYwRxBH4EjASaBKgEtgTEBNME4QTwBP
 4FDQUcBSsFOgVJBVgFZwV3BYYFlgWmBbUFxQXVBeUF9gYGBhYGJwY3BkgGWQZqBnsGjAadBq8G
 wAbRBuMG9QcHBxkHKwc9B08HYQd0B4YHmQesB78H0gflB/gICwgfCDIIRghaCG4IggiWCKoIvg
 jSCOcI+wkQCSUJOglPCWQJeQmPCaQJugnPCeUJ+woRCicKPQpUCmoKgQqYCq4KxQrcCvMLCwsi
 CzkLUQtpC4ALmAuwC8gL4Qv5DBIMKgxDDFwMdQyODKcMwAzZDPMNDQ0mDUANWg10DY4NqQ3DDd
 4N+A4TDi4OSQ5kDn8Omw62DtIO7g8JDyUPQQ9eD3oPlg+zD88P7BAJECYQQxBhEH4QmxC5ENcQ
 9RETETERTxFtEYwRqhHJEegSBxImEkUSZBKEEqMSwxLjEwMTIxNDE2MTgxOkE8UT5RQGFCcUSR
 RqFIsUrRTOFPAVEhU0FVYVeBWbFb0V4BYDFiYWSRZsFo8WshbWFvoXHRdBF2UXiReuF9IX9xgb
 GEAYZRiKGK8Y1Rj6GSAZRRlrGZEZtxndGgQaKhpRGncanhrFGuwbFBs7G2MbihuyG9ocAhwqHF
 IcexyjHMwc9R0eHUcdcB2ZHcMd7B4WHkAeah6UHr4e6R8THz4faR+UH78f6iAVIEEgbCCYIMQg
 8CEcIUghdSGhIc4h+yInIlUigiKvIt0jCiM4I2YjlCPCI/AkHyRNJHwkqyTaJQklOCVoJZclxy
 X3JicmVyaHJrcm6CcYJ0kneierJ9woDSg/KHEooijUKQYpOClrKZ0p0CoCKjUqaCqbKs8rAis2
 K2krnSvRLAUsOSxuLKIs1y0MLUEtdi2rLeEuFi5MLoIuty7uLyQvWi+RL8cv/jA1MGwwpDDbMR
 IxSjGCMbox8jIqMmMymzLUMw0zRjN/M7gz8TQrNGU0njTYNRM1TTWHNcI1/TY3NnI2rjbpNyQ3
 YDecN9c4FDhQOIw4yDkFOUI5fzm8Ofk6Njp0OrI67zstO2s7qjvoPCc8ZTykPOM9Ij1hPaE94D
 4gPmA+oD7gPyE/YT+iP+JAI0BkQKZA50EpQWpBrEHuQjBCckK1QvdDOkN9Q8BEA0RHRIpEzkUS
 RVVFmkXeRiJGZ0arRvBHNUd7R8BIBUhLSJFI10kdSWNJqUnwSjdKfUrESwxLU0uaS+JMKkxyTL
 pNAk1KTZNN3E4lTm5Ot08AT0lPk0/dUCdQcVC7UQZRUFGbUeZSMVJ8UsdTE1NfU6pT9lRCVI9U
 21UoVXVVwlYPVlxWqVb3V0RXklfgWC9YfVjLWRpZaVm4WgdaVlqmWvVbRVuVW+VcNVyGXNZdJ1
 14XcleGl5sXr1fD19hX7NgBWBXYKpg/GFPYaJh9WJJYpxi8GNDY5dj62RAZJRk6WU9ZZJl52Y9
 ZpJm6Gc9Z5Nn6Wg/aJZo7GlDaZpp8WpIap9q92tPa6dr/2xXbK9tCG1gbbluEm5rbsRvHm94b9
 FwK3CGcOBxOnGVcfByS3KmcwFzXXO4dBR0cHTMdSh1hXXhdj52m3b4d1Z3s3gReG54zHkqeYl5
 53pGeqV7BHtje8J8IXyBfOF9QX2hfgF+Yn7CfyN/hH/lgEeAqIEKgWuBzYIwgpKC9INXg7qEHY
 SAhOOFR4Wrhg6GcobXhzuHn4gEiGmIzokziZmJ/opkisqLMIuWi/yMY4zKjTGNmI3/jmaOzo82
 j56QBpBukNaRP5GokhGSepLjk02TtpQglIqU9JVflcmWNJaflwqXdZfgmEyYuJkkmZCZ/Jpomt
 WbQpuvnByciZz3nWSd0p5Anq6fHZ+Ln/qgaaDYoUehtqImopajBqN2o+akVqTHpTilqaYapoum
 /adup+CoUqjEqTepqaocqo+rAqt1q+msXKzQrUStuK4trqGvFq+LsACwdbDqsWCx1rJLssKzOL
 OutCW0nLUTtYq2AbZ5tvC3aLfguFm40blKucK6O7q1uy67p7whvJu9Fb2Pvgq+hL7/v3q/9cBw
 wOzBZ8Hjwl/C28NYw9TEUcTOxUvFyMZGxsPHQce/yD3IvMk6ybnKOMq3yzbLtsw1zLXNNc21zj
 bOts83z7jQOdC60TzRvtI/0sHTRNPG1EnUy9VO1dHWVdbY11zX4Nhk2OjZbNnx2nba+9uA3AXc
 it0Q3ZbeHN6i3ynfr+A24L3hROHM4lPi2+Nj4+vkc+T85YTmDeaW5x/nqegy6LzpRunQ6lvq5e
 tw6/vshu0R7ZzuKO6070DvzPBY8OXxcvH/8ozzGfOn9DT0wvVQ9d72bfb794r4Gfio+Tj5x/pX
 +uf7d/wH/Jj9Kf26/kv+3P9t////7gAhQWRvYmUAZEAAAAABAwAQAwIDBgAAAAAAAAAAAAAAAP
 /bAIQAAgICAgICAgICAgMCAgIDBAMCAgMEBQQEBAQEBQYFBQUFBQUGBgcHCAcHBgkJCgoJCQwM
 DAwMDAwMDAwMDAwMDAEDAwMFBAUJBgYJDQoJCg0PDg4ODg8PDAwMDAwPDwwMDAwMDA8MDAwMDA
 wMDAwMDAwMDAwMDAwMDAwMDAwMDAwM/8IAEQgAYgBSAwERAAIRAQMRAf/EAKkAAAICAwEBAQAA
 AAAAAAAAAAgJBgcABAUKAQMBAQAAAAAAAAAAAAAAAAAAAAAQAAEEAgEDAgUFAQAAAAAAAAQDBQ
 YHAQIIABAREwlwMzQ1NxIyFBU2GREAAgEDAgMFBQUFBAsAAAAAAQIDEQQFABIhMQZBUWEyE3Ei
 MxQHEIFCNDWRwWIkFYIjQzbwsdFysmNEVCVFFhIBAAAAAAAAAAAAAAAAAAAAcP/aAAwDAQECEQ
 MRAAAAeMCMSIWgBkSAIAfOWEfD6VSUcLYFCGyFSEgRU9G52jCjyvRCIFpKxj4YgtEZ6NVMBpK2
 PMkcsOwboXuCsVmN+MBaKsEAF+hLBDBKnPIEMWMBqOgK+PpbYPQQwOo0ALMwGw7oMIJ5fh3iam
 mEyXQYDSScoEX6YQUuonA3I6ph5gwqSVFFF7HbLuKuGAl3mHhWGWBAkAIaGyFmJ/AsDtDwPNSM
 RCwKmJmFYEaItA+N0mBSpeA1wsAsQ2iKCCDiHTO8R03R4hPi0jSA+FEH4kgNA//aAAgBAgABBQ
 D4H//aAAgBAwABBQD4H//aAAgBAQABBQCek/wIgxh7aDEKaAI3Hz1aQT3HkzckocR5xeMkb6P5
 q2zU77WNoQq3on4x14x14x1cJPoxIBDXTX3CbWPaUFNRvU0wjjanWB7AcrOrRZ3Dpy2Jbx0sOO
 SFnlrB2uNb1cDo4115yTFwmXIhcrOy0VatlDKPrGW6uNwwp7ZYw8RaPzxP2xJ0elGu0qdtZK6W
 FJl4XCZO8GyJ/aGct6cOO1chiSyFm6AjJPDcUPb1A1tOWvhXH1oDyZ7Io401v1kJd6WtWAPUjL
 qSnGWL19VmzbEUR7nrOEGM0/jkibZBLoa1A01HGsq7+yenjOQRnAaQwBKLTssMDaRTvj6hZ0bY
 +HIbSPxhr7SPNMiou15vYdLtZqUh7J56CRSJxZUKwQoc7ANrjArdYWjR65AxFxeKySBwUDacVP
 cqcbddBuyOfOwCKuerQeI61gKEDl6WRSbitGAa7sK022u65tKok604/SB8upjak2Vp7TX3K7vV
 6qO5pdKqfIMSHCMNzqhWsgEkzTrSkx2cYBDpbH07J5QOvE256k5HUreCHYvT9BXEAzJtWPjyug
 Sgemtok5uTWZWdiW25hxZV9VC9wiRKr8jw3vIJlWe4xyKhpn/QaWdE4zobwCdxSR5SwFqPjgwH
 DmJRYFM2IMu4YcUzkdq54vIjlymTMTT3aSFsgf2e3To3bqL8XHZVmu9rIOxIcMQDptvCRym4hI
 oBttm0TKzgpp570Q8CKJa+FhB/HTj+6Bfk4/8A2DH9Vr8on7jz6/Ayn0BH3nX5XX//2gAIAQIC
 Bj8AD//aAAgBAwIGPwAP/9oACAEBAQY/AM3ODtb5dlU+JGrcGtdgJ9p4nQnmkighClpJ7iVIY0
 VeJLPIyqB7dZHD/SrH/wBSyllO8C9VXqyfJwsh2O0EC7fmDUcC5CEd+vWzH1Z6hgDyFmtLOUWl
 vHzoPQhRFoO7jp7ez+p/UvUmJhkiuK/1KeUhI12kNVvVQKKVANDTjXnqBOpo4OusFbOLa8hywE
 V+ICwDJb3qKzgqF931A6n8VOYx/WXQ2XiyuLvVUXENQtzZz7Qz211DUtFKleKn2iqkE8tctctS
 wA0a8lSMDvqQP36HDgoA/ZrC/TTHXstlFfqt7k0jWu+IJxZhWu4yPsTjQKrHzNwoi3EtKBNoEf
 3ULcTTUcQSJHfaFUyMzsezgKHVpf2bXWJvlkUm5QFoiD2TW0hKkHv4eGsXeWOJghnyT3EuTtIa
 RRwtCVEkisaEJIze7u5Vp2ax/WbyQ4vCoY8f1FiIp5TDeY8cPSuI1DJI8fF4386tyahYHDdT9P
 30WTwfUFnDf4q/hYPHLBOgdGBFRxB+3BWANfUuBI6+C8f3aXkAKEk8hrre2ubZLGx6A+X6XsY4
 yWBis0Leqx4DfJJKzMB5eWjbQ799N0juFVvAkAnbUfedRy2sQEhZQJ0UGWRmNAsZYcB/F+zViL
 XBZK5acAXV44McKhxWhMgPqjwPbp8nj7CS8t7eCGK7sbR3SZ4YV4DcisxG8lu+vfq4OG6iJzdu
 5FziLtfTnCg1KDgQzcD8QcR211119GMnem7g6NuhlumAWZ1itbx2W6hQtxVUmowQ02FyOVPttr
 yMUgtQwj7jUUGupep4JPl3wePkuYrgIJGjYc5ERqKzooLKDwrSusjdXr3UM1zcTzOkzGWciVjI
 WeWpLM26pJ5k6hxWJtkaW4kCe6OG48CzsKlj4ahucjbLkhg4xcUYbka4lcxRGnEHaFZwO2mrWL
 aHjoGVga8R3jn2a2yKGJX31XtBFOzV3cWWGgwHUkavJYdQWUQgnEvEj1CgBdSedddS9LyyxXNz
 mugYcrPcuS0kkT3CJzNP7yKaJ0LfiQrXiPt2qtB3Aa+osEVsbtLfEteXWMTi17BaSxzyW3DkJF
 ShpxpXX/23SOIkt8Dl4UkvLG1nW5+XYkAOyRqrxxOahdwoCtCdX3Vl0xvM9eKYLWZ/dFuxHvGN
 RwJAqajSWuTw+TkyebYXkVra2byuLVAEhV2O1QQvveb8WobLqvIX/Rk13xsUzljJbK9WABVyCt
 K+OobnEz2d9DLGG/qNo6vHIBxFCv7dSXObzVjgYWQhbjIXEcAZiu6ilyC3Du46+mv1Mwd2uRjz
 mC6rwE17HuoLTGzWkyI4YChM1yxBI4jwp9vdx1dY+8Ba1v4JLW5A5+nMhjYjxANR466s6M+Str
 Cd7mSa+khjijjljEcUdtLAEAba6DcQeAZm566W6SjWNMFi4xkMjaolRtZikasOABJBPHUUvRPW
 Oe6Rv4CHvbTHXio13AvEwwPL8Lh2BgCPd3LwOslJnOqur8vmUvPXxgzUNzNb2drRjNbyKwczli
 wEcrmqKuyjBmOvqFjL9FyJxvrTYuWMNFHcKqExkQipT3uDAabq7p36qYq4yaWyrYxXmPMl1Y3i
 MA0DxzIY1tDzBRfV4ba0rrou1yEq3t/0t0xnTmb+Hd6Bu8jloERU9Q7/ACWjkFuNKDkPt+/Rhm
 VWjlGxg3loe/w1e9aXPTVpiXtr5bXpl4K/PLjbdPTkS/qdtJjKLhVUnadoPHjrP5RwGmyWUaKe
 fh7sFkqQRKK8gW3GnjqG4kureJIQTOZXUKopQgsTrD9GWSwYibqczmLqLKTLb2MaQIHY7dwYmQ
 NRK0BNdZK/gvIGlcvZZGO0YPCwJAjkjpxCnnw11FgnK2XVHS93Lj8/jZWCz20yEhWfl6iMlGRx
 UEHnrqPOiN4lyl3Fa2ySKVPp2UdGcEgEh5ZJCOz7aeOl2IxJ8tATWmvqnFcZVb/qW8x1rj+ncf
 CWkS0sUKXlxGWVjGKz1Z383ki5Jq/tLmoM5e5p2UZvUP8Ar1091L9NM0lpncVC17lsRegTxZGI
 1LJHvO1JUAqhPAiqnVraYy06U6zumlW1kxlxLJgskkjSiCNxHOWjZWcsQw4bV3cRrA21n0BnLe
 +zlxJb2+NznUcEdkZ/e3TtbWKSSC3h2V3MRWqgA1Gp+uupMwMhR/5nEY+NoLa+VX/lopS7M/pN
 LUncalA1acdWOMjIYWsdJJACA8jEvI4BJoGdiaV4cvtvcf0bJi8RLIZIkzM2Ojd4jxAaCF3dSR
 2NJWnPbrpHPZH6g9S9UZnrHHpc9XZDK5CSVmvld0lhijTZHBEhWixxqBTnXV9GzbZJbJpJvbI5
 SlO2oWp1ZZIf3bRh0Dc0Oxijox7AVYEd1e7WMwz5L5HL2G+wlMlSrJuLW7keB90+2up8z0ugwu
 Xim/8AIwxrFcWcj14SLFLTYzdpQg6ylx1Rk5sxlLuFLOGAqkUMSqeEUKqW21/ExPAVoNYXA57E
 W/XPQXV3TttnXFhEtrlsRMk8lpdC3kdtlwsm1WVZdpoCoZa6B+m/X2OzWSWJZbvpuVja5W3BXc
 wlsbgJMNvIsFK9zH7bh4y22OZi3aPMaaNtUt/R83f27p2LvZZkr2CqyV1ciRyGltY4ok7m9Rxx
 9g1f4mXbtvaS48OaKLkDYyE8gJUO3jwqBqOTEvLDe29IxtYo42mmx686cuOoke7wxneJVea5ku
 A7AUA9QRIwZh7eepZ83fR3960iorW8bJBGoA3hFclySeBLGvgNT2bMTb9P9H4q0WPnwlaSd6A8
 Obasr6wnmtL+2n9XF5O0neC4t3Q1Esc0ZWSNhT8LA6xeN6i6ptuuemrcRw3YzdmtxkI05eqbqE
 xSykcyGJJHbu1+g9Cfpnz36vc/D/734fwf+X8Xw1eWjkkeq5hJ7V3Gg+7s19WujbqRI5yuM6gx
 6mlXUb7K4X/gJ1ORbB7BbRUkYcZFcncKU8OI1FI0LNCzCOZGHaTw/bq0+ftplu3C1lC7twHee2
 g1/UIohFawxGVkp7zJGpY+HIdmsf8ANcLi4jWeZGatGmO+n3Agfdr6lxWc6TR4KHEYe6ZCGAur
 ezR7hAQae40gB8db5n9NNrIjUrQkcWI1azzUaViWd+VRXhx8Rrz/APRV56kuXIh3SNRebAqePg
 K6wOMhmaIdVWtziYGDBd880fr28bHgKM8RFO8jUzXSiQjFwQyFuAf+ZcrQ8/dDV8K6aCSFRMwA
 QuvPuDEdx5HVpIRD87bhUaMKSWA7RyrqPFWtRJlJorWtOEcW7fM3s2KRTx11T19cFUj6ftXksr
 VvLLeP7lrFTtDORUd2r/PdQ3D5PM5y9mv8pkZGJkmurhzJPIT4sxp4CmjHDKGM22ONG91lB5kM
 OBqPZq3glRkqODDip4dhHDXm/wDVbeXb/s8dXP5D8zL5va3l8O7w19N/gf5kw35D81+ei+D/AB
 93hXWU/I/A/wAP4f5g+Tw7vDS/luQ8/m/s6tfgeZuXPl+H9+sN8Ly3nPl8NfL49/hq18v+YrD4
 f5bt/MeHd/Fqx/T+3n/vHnqb9P8AgLz/AHaP6d8E+by8vxfu1/gfof8Ap/b1/9k=
UID:urn:uuid:7393fce5-a850-4664-89fd-95dd66a986a9
REV:20260312T042929Z
PRODID:ez-vcard 0.8.5
END:VCARD

