













BEGIN:VCARD
VERSION:3.0
N:O'Sullivan;Matthew;;;
FN:Matthew O'Sullivan
TITLE:Partner
ORG:Sparke Helmore Lawyers
ADR;TYPE=work:;;Sparke Helmore Building\, Level 7\, 28 Honeysuckle Dr\, New
 castle NSW 2300;;;;
TEL;TYPE=work:+61 2 9260 2472
TEL;TYPE=cell:+61 448 158 665
EMAIL;TYPE=work:matthew.o'sullivan@sparke.com.au
URL;TYPE=WORK:https://www.sparke.com.au/people/matthew-osullivan/
CATEGORIES:All.Property Environment and Finance.Banking & Finance
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/EAKwAAAIDAQADAQAA
 AAAAAAAAAAgJBQYHCgIDBAEBAQAAAAAAAAAAAAAAAAAAAAAQAAEEAgIBAQcEAwAAAAAAAAYDBA
 UHAggAARE0cBITMxQVCSEjNTY3GBkRAAIBAwMBBAYFCQUJAAAAAAECAxEEBQASBiExQRMHUWGB
 IjM1MkIjFDRxkbFSYnIVNgjBgkNjFvChslPDVGRlNxIBAAAAAAAAAAAAAAAAAAAAcP/aAAwDAQ
 ECEQMRAAAA3AvoYIHJi4FAew389B8ZZxLJrZjAucF8iS+nRoHqfOWYSobAJWHRGkGUgFgxHTUb
 EWUTIa6DMNJKwYaDEKeOjANEsgpI1QEUIIuItIMUWsNlGQlgFnlrM4IgvBghqQKYfAbhYxWhfz
 UTGQJyWCXBLHaF7LKJ3NMPEw018WqWstJ0GkeWETeasXUVcGGACB4OvHJkUSAmk1cMYVSLmKAF
 0PHASG4EsJeNGKEGKLXPMZqfQczx+hWGbg7Eede5yrE+P0PScx5Xy0kuS5bjrYOWc0EZIGEclp
 9JNH//2gAIAQIAAQUA9h//2gAIAQMAAQUA9h//2gAIAQEAAQUAQV68B+HWUsOIZKYWZvcFiZVZ
 X5HZ2Ia57z7EuHGoe70jNzOKqSiSnXEfP1nGzjPtQEyyzltidhiB8Xk0hi4F35e56SaNpqWwEj
 mSB3GkWzorbYRn356b9eXfGqfhUDQyVkwusi+0bzCtJ9eBTFxTlaQWJSHjSHW3FeRKte0ufu4C
 Z1/tbu56pber41T8qAjZTOU0sbykndC2GeLaWTyVbk7DLvu/xRUiqEahXKElpAbC8lTjb1fIto
 36zE1WjKV1LcuBi4+tvV0T+37OIK8Hv9iyoxQrKfSMxeyq1wr83/HqrHzMGm4wwcfWJcRY94qR
 DBTN1WdJREPKr6VUfgfXq1QlY6oqXEWwKzBxMYm9rR1NG7tGG7KRDU2fxnH2/DjeVVzUFH2akg
 7XbtDOYN5A0tW39qZJ/La+HrdocKzTVlOSZLH3VsLVIhHAtbtvWcbKeFQnPvKT2CK8qymp8YnC
 WzCcAqqOF7pAYmAV2uvdBz3ocEti631e/PaefuOfidcaL+8uEKdfctiane3jQGvVuoBZufSATN
 yt42FHlSTF4k9efjaB3w2/V/TmXf7vv98brd4LgTnvOVgcu+kt4dUyCAMSs6sF05n3ksVYa+6j
 TB86r1hEhrAE3ZiNe9o42Wi56L+LxJfysMkEEJK2/wDkgAQwZ0DyJ3Wp21VvVnYtjaYkNIzxR0
 yYNs3c00Hom9Z6SnL1ry/rnqFH/pDuTwz2qN5Fd5KSxRIyzdxL5sMUa3qAdwJR0BrKvjmbcVrZ
 UPadeTY4oXZFMinLFSuXlL6h5xT57L01W/5kk/400/rmvf8ARKt/mp30qHoG3zef/9oACAECAg
 Y/AA//2gAIAQMCBj8AD//aAAgBAQEGPwAgSN1Y16+vVud7E+jcdRpGpdyK0r3AVJPoAHadJxjg
 fFMj5lxY7IJa8hz2NG60IRwtzFbSA0RkBqkkxWOQghf1tcgseA+Wlj/FJLho+N8hzF4lxZ2kCk
 AvdQwShJZgvvGMPtUkKS1Ot5Jf+cV3d3k0h8S3nwlhHiogT2Q2abZYgvpBao6murfiPm0be/tc
 rQ43neOVFit3PTbdRL73hn9alU7+laJLFIs0ToskUsZDI6OKqysOhBB6EaOovynXs0QD2Mf06t
 wFLM3QKO0k9gGpfKXiUseI4NxqcQ8/5ILlqZu7aJXNnHJbKzxwWj7kkRW3PINxrGu0tkra1xww
 c9/cPPLhsg11awMrVKy2DsAFQUBch3b6Xu0oLmzskha1unrNBbMzKxQ1EsRpvjZT0IIKkerppk
 gxN/fJtIE9tA7SRd4O0LQqPR+bWNu723vrG+tbqJXuFjaOaGJHB8ZFfo6soNV7enb6bXB31z/A
 uRwX13Fx/AXjKDcWfiPJD93etC2w1ER94UPTs1UdhHTUX5Tr2aP7x/TpYUkaGS4hlhjuE6vE0q
 FBIg72QncPWNT/ANN+N5TkY4I+QZaHmXKFSWB48Hj2Bub2WzYqRJIgIVHHWSQdetdYsw+XMWfX
 DxGHF/6huZr8RoxJJ8IssJYkkklT19WiuE8u+N4cyGsjWmOt0JI+iC22vs0xt8VaWhIJbwIVTa
 PWqgfn1b5i1tYre9wt9FJZzIu1pPE+misOwEdevTWJy9nP/B5C4kM0FV8Ca3lVCzUIKlG2srEV
 U9A1DrBc2uIRBl1musRySNE2RnI46UwTyRCpoktBIo7t1NR+3Xs0aD6xp+fUUcbCKaVGS3lZQy
 pKwIjZlPRgrUJB7R0157ZXm80eV8yYxD/qfOeAEaR5LuVJW8Q+8wmaJSB0G1VoKaqFpTqaVp00
 0rCikdR2dfVqaQ+69BQGvd2Ega5MlvA8slmoncINzgLUBgvfSvZ207NQY27IsZeW4yW3x9ygBH
 3ySJk8As3u/bUp1+sRXWD4/BcxW3JHEF/kcfTa089zAsckiDpU7rc7hT3e/Udezrr2aYstep7v
 XqxnMYPhyoSvpowNPbr+qF/ucnKMmc1jcNj0sYy8l3kbi7yNy0TE7dqKvUbyKKANReWmd4vxnG
 XMxmjE+O5ZYZW5LoWUIYbc0QinvKx3A9gNDqe7jwizSzWf3y2nmceBbui7iJQOrLT0aPM/Mjz/
 ABwDiV3kjguOWfHOMTTwTZJEWUxzyxiU1VHUkHrQ1pQjT43NZjE82sMzBMmJ5biABaZK2Q7J4p
 4q/Y3ETdCpoR0qFOvMHy+R5prDB3Vnl+GSyq80jY69VriBqLTc9vKHR+u4rQmvdkMvdYhbfk2A
 xgsbi9acXNYrydpleFgqbFf3gQwL16luukYmlDr6Q+jXTbAB1OoD0LRsGAPYSDWh1/U3we9yF8
 rc75BY5W7zNq5tMg2HzePeRYo7iNtyMN09uZE94DdSjGoh8wsTxH+AzWDWcs+NimlFs0liES28
 OEFY4UAjUuFBLke91Zq2uIyYEuNurR0nJIrtaPbQjtoNTY6wsMHnsBJyCbNY4XllBffdMkY1gn
 lTxB7s2xFAkoGA909ANTvxzFw46+y08VzlrqD7N7i4jUIJZ0QiNmK9A23dTo1deWF3Jua0yuAv
 bbNWUce9Tc2DtLbCU1BWOVJCrP8AUIUjqdcy5fgHkt+Jcnu7CLj2IazW1Fq+Njltr+QMo+0+83
 FZKnr066RCenaR6aa7/h7dPWdu09/r1Gvik9OvXWOuWkjE03GV8aMCkzLFkX2OfSgMjAeg19Os
 uIM1Fg+C+U+Pa9y1yVrFdZq8RksbZ0qokWFS07pX3jsFRq3x+FykWVymElgx+eFxhUghndkaRp
 IR47sqMsZO36SjvOsjeLyrH22K8xHklzPFZSYY48kEH3d7NWJ8M7RtYE++vXt1dSZBhZQ2ytPJ
 cze5HGsRq5qadBrIZCSC6ynFrWxuMbb2lozpPeWiLE9xFGykhUlKharRipNOuuJcZxeMTCWNjY
 q9thEQRrYxzEypaqor0hVgtSSxI3MdxOk9uvZp+v1jT8+o/Uv9uvJzzKlh8XA3NzkeGcxdgdiW
 d6kd9bMzj6LLLA5QnpWusNg/LXmUeL4/ybH5fnNleXFql5aSXEl1bxyW8iMQpdoQYYpKN4TUfa
 aafHHyi5NbSeLd3csIzls0s95OoSK8e69/dMtCRuUFexhTU/MIrSfigjtiqcdlvBev99M0jC7n
 vdiso8JkUQKD1Ukt1GuJcJ4M4ymMkwOPtLvNsoaS8k8CFGJWpLEtU9O0kejWJ4lcXl5Fj48EuW
 z8ttI0V0r2V3BdxRpNHQpFM8AjepG5Nyjo2nY9rEk+3rpG1/d04Pcx/TqPr2L/AG6535f4Qgcr
 aCDO8F3UCvmsQxuLW3YnuuF3wflca43lspJeTNLgY+PNi7qN0vbRbdt9xE6tVRtuFYNQhhQ7h2
 at+SYvOy2djnbbx73GrMXs5ZNu1at1ZHqKCgq3bXVvhMbi1s8XhZNl1HcTlmnuNpVQ0jHoEUFm
 r6fTqzuYbqd7uERrNLMXl2hB9qqU6hQoCrQdfTrOeZd3aeHc84+6xWFoZNy2uBjDN40iiu1p7g
 kwrWpRKlQOuuhBB6qw6gg9hH5dD1a7f8PUlD9c/p1EK/V66jYEqVAIYGhFO+usj/UZ5bW1xfca
 yV6b/wAw8DYpLNPgMswH3vJiG3LSG1udqSTIqkxSVLDa9UuuQ4/ORtjsnCkJit3UJFcbNihqjp
 QEFmUdpHfXWEwd00mNs7Np2libfNMyzmn3icqu8lnXaqgV9A1b3/I4MhxLgKXBOSy08aRX2ZjS
 gSCziLFkRqVZ3oFB6Vao1j8RxuwgwuNxSIbO1twNoZAFV2JHvsdo94/o6a8+vIfzGyNzJ5G2fJ
 pL3hGdYSXc/GJMkkd7dWxUb5HsBLcOVRQTBT3V2dFx3IsBkrXOcfy8CXWKzuPmS5s7mCQVSSGe
 Msjqw7CDrt+pqQg9jtX8+nznLs9juKYW3j3z5XL3MdpAF9IMhBb8iAn1aylh5Gwzc15mYWjsub
 5Gze34/jjTrdwxTlJr9x/hLsSIt1cso2nyky/Kb64ynKOZvneR5PJ3Uplnu2zOYu7hJZ5G+k0i
 tU17jTs6a5LxLy18tcLJx7il9cWGf5w0IjGVydqxjnfGwWyxosUEqsokJdpWDHYFozT+UfLeGW
 GT8xnWXJ8G59d3EsgylxEjPdWIttwiguVgG+ERgiRFkX6fakdtCIo0XbGoptCjuUdgA/MPXrJZ
 O+kKWtjH4klDR3b6ka1+vI1FUdtTrzcz+Tnjnv8AJ8juZJWjG1UChFSIdSfslASvfSuhD5X+aH
 IuDWpuRNJisdeP9wkdujM9lN4luSTQk+H179f/AFCz+UbfkGL+J/z/AIHxv2uz9nV1acTht+HW
 XiMq3UA+8X7AEivjygrGf3E9ujlM9kbvNTxvva5vppLiQue5TIzbfSdtNY7A2viPd8hvoLJFiU
 ySMJHC0VB29vQatlsccmIh8v8AgQezxUO3banGYguI12+7VWj7u/WPzV0yT3PIYjcWG6RQ5W9+
 0F0yIrbmEjMFVqEn3lI1D5l8bv7fjqcHyKXWDzNxdFri2y9k6zm7KwmkvhtSgdgGBao6nWE8xV
 SPEvdRSR8rsJD4aY7K2hEd7GS22kRciSEno0bpTv1DleS5JuOcNt42ucJaFGa6leKviXpgpUtt
 qI6jopqBUk65Rl4S7QZXL311ayS9XaGS4cxM3dUpSunq+0sPc9bdooO/X4N/k27u+J6O3t1cfg
 PjSfE/fP8Au9Hq0n4Dv/J2ns15WfKv5kg/E/C7R9PWY/C/LLn8b8v/AAz/AB/8j9f9iurf5H8Z
 vlnyztX5P/43/R265v8ALP50svxHy/8ACL8X/J/W9e3WB+Q/z5b/AIr+VPlw+P8A+y/7b9mmue
 dnybO/i/mfy+4/Dftfq+zVh8s+DH/wDs1J8r9v0/7vq1/g/Jv9v72v/9k=
UID:urn:uuid:88e0fd26-db14-4f97-b6c1-e23eaa0866c0
REV:20260312T034847Z
PRODID:ez-vcard 0.8.5
END:VCARD

