Bendigo and Adelaide Bank will top up its capital through a share purchase plan aimed at retail investors. They will be able to buy $7000 worth of ordinary shares at the lower of $10 per share or a five per cent discount to the volume weighted average share price over the five days ending on and including the closing date of the offer on 19 December 2008.It isn't clear how much Bendigo could expect to raise this way. The bank recently shelved a planned sale of $75 million in converting preference shares given unfavourable marker conditions.