The ANZ shareholder privilege package has been discontinued effective 30 March 2007. However, we will continue to honour most of the ongoing product offers for eligible shareholders who are currently using them. Shareholders with a minimum holding of 300 shares are eligible for these privileges.

Australian shareholders

For eligible shareholders currently using the product offers

For shareholders who are currently using the package, benefits on facilities in place as at 30 March 2007.

Note: If you applied for a product i.e. home and contents insurance, car insurance etc and this was set up prior to March 2007 you will still be able to receive the discount offered as long as you do not change or update these products – once these products have been updated or changed all discounts will no longer apply.

No discounts will apply to any new products taken out after March 2007.

These shareholder benefits will continue to apply while you hold more than 300 ANZ shares, until further notice from ANZ.

To find out more about the removal you can see the answers to some frequently asked questions, or you can call ANZ Investor Relations on (03) 8654 7682.

 

Bank Cheques

You are entitled to receive a fee free bank cheque (if your cheque meets or exceeds $500). To obtain this discount you must hold a transaction or savings account with ANZ that was set up prior to 30 March 2007.

To obtain the discounts on bank cheques and travellers cheques, you will need to retain your 2006 Shareholder card and present it to branch staff.

The discount only applies to bank cheques purchased in an ANZ branch.

These benefits continue to apply while you hold more than 300 ANZ shares, until notice.

 

Purchase of Travellers Cheques+

Commission free purchase of Amex Travellers Cheques

Discount is only available through the Australian Branch Network and the ANZ Bureau de Changes on presentation of a valid ANZ Shareholder Privilege card.

 

ANZ Access Advantage account

Unlimited free ANZ transactions on an everyday bank account* Receive a waiver on the monthly account service fee when your salary of other regular source of income (being a minimum of $500 per month) is directly credited to your ANZ Access Advantage Account.

To be eligible for this discount your ANZ Access Advantage account should have been opened prior to March 2007

Only one concession per shareholder/joint shareholder.

* Non-ANZ ATM fees apply.

ANZ Assured quarterly credit facility fee waived. Receive a waiver on this fee where the facility has a credit limit of $500 and is attached to an ANZ Access Advantage Account.

Only one ANZ Assured concession per shareholder/joint shareholder.

 

General terms and conditions

All Australian resident ANZ shareholders with a minimum holding of 300 shares were issued with a 2006 Shareholder Privilege Card ('The Card').

The Card can be used only for personal banking, insurance and investment purposes. For example, if a Company is a shareholder, the Card may only be used by the person that company selects and who has signed the back of the Card for his or her own personal banking, insurance and investment needs.

It cannot be used to obtain concessions or privileges in relation to accounts or services provided to the Company. Benefits are available for the shareholder only (i.e. the person who has signed the reverse of the Card) and cannot be transferred to family members.

Applications for the products and services offered can be in more than one name, so long as the shareholder is one of the parties. Concessions and benefits are not available in conjunction with any other discount or special offer. The ANZ Shareholder Privilege Package offer is reviewed annually. ANZ reserves the right to add to, change or remove privilege offers, at any time.

Individual product Terms and Conditions are available on application. Fees and charges apply. All interest rates are subject to change unless otherwise stated. All applications for credit are subject to ANZ's normal credit approval criteria.

ANZ's recommends you read the Product Disclosure Statement, which is available by calling 13 13 14 or visiting www.anz.com, before deciding to acquire the product.

+ This product is issued by American Express International Inc., ABN 15 000 618 208.

New Zealand shareholders

For eligible shareholders currently using the product offers

For shareholders who are currently using the package, benefits on facilities in place as at 30 March 2007 will continue until further notice, with the exception of bank cheques. Discounts on bank cheques will now only be available to eligible shareholders who hold an everyday or savings account with ANZ as at 30 March 2007. To obtain the discounts on bank cheques, you will need to retain your 2006 Shareholder card and present it to branch staff.

These shareholder benefits will continue to apply while you hold more than 300 ANZ shares, until further notice from ANZ. More information about the previous offers provided under the package is included below.

 

For shareholders not currently using the product offers

To find out more about the removal you can see the answers to some frequently asked questions , or you can call 0800 269 296. For general enquiries contact ANZ Share Registry 0800 174 007.

 

Current interest rates

For the latest ANZ interest rates, visit anz.co.nz.

The ANZ Shareholder Privilege Package applies to both new and existing accounts. Full terms and conditions for the ANZ Shareholder Privilege Package, including eligibility criteria, are set out at the end of this brochure.

For full details of these visit any ANZ branch or call us on 0800 269 296.

 

Exclusive Shareholder benefits

 

Everyday banking

Everyday accounts
No monthly account or transaction fees on an ANZ everyday account. (Service charges apply)

ANZ Overdraft
No Overdraft Management fee (an approval fee may apply).

Bank cheques
No fee for bank cheques over $500

 

ANZ Personal Loans

Receive a discount of 0.50% p.a. off the ANZ Standard Personal Loan rate.
Note: The discount applies to loans over $3,000 for a minimum term of six months. An Application fee of $250 applies.

 

Home and property

ANZ Flexible Home Loan

  • 0.25% p.a. discount off the ANZ Flexible Home Loan rate on loans up to $500,000.
  • 0.50% p.a. discount off the ANZ Flexible Home Loan rate on loans of over $500,000.

ANZ home loan floating rate

  • 0.25% p.a. discount off the ANZ Home Loan floating rate on loans up to $500,000.
  • 0.50% p.a. discount off the ANZ Home Loan floating rate on loans over $500,000.

ANZ Home Loans

  • $100 off the Application fee on loans up to $250,000.
  • No Application fee on loans over $250,000.

The above fees are current as at 1 November 2005.

 

Credit cards

No annual fee for the first year on your new ANZ Visa or ANZ MasterCard.

Note: This offer does not include ANZ Visa Gold, ANZ MasterCard Gold, or Qantas ANZ Visa, or current ANZ Visa or MasterCard accounts.

 

General terms and conditions

 

General Terms and Conditions of ANZ Shareholder Privilege Package
All New Zealand resident ANZ shareholders holding at least 300 shares will be issued with an ANZ Shareholder Privilege ("Card"). Only holders of a Card are eligible for the shareholder privileges offered in this brochure. The Card can only be used for personal banking requirements. For example, if a company is a cardholder, the Card may only be used by the person that company selects, and who has signed the back of the Card, for his or her own personal banking requirements, not for the company's. Except as described above, neither the Card nor privileges are transferable. Applications for the products and services offered in the ANZ Shareholder Privilege Package can be in more than one name, as long as a cardholder is one of the parties. Subject to the ANZ Shareholder Privilege Package, ANZ's lending criteria and standard terms, conditions and fees for the products and services offered in this brochure apply. The offers contained in this brochure may be changed at any time. All amounts quoted are in New Zealand dollars.

 

Everyday banking

Transaction and savings accounts
These privileges cannot be taken in conjunction with any other special offer on ANZ transaction accounts and are available only on application. The privileges apply to only one ANZ transaction account per shareholder or joint shareholder. Additional ANZ transaction accounts are available on application. Service charges still apply. A copy of the current disclosure statement published by ANZ Bank New Zealand and full details of terms, conditions and fees may be obtained from any ANZ branch or by calling 0800 269 296.

Personal overdrafts
This ANZ Shareholder Privilege Package applies to new or existing personal overdrafts, but the privilege will not be backdated. It cannot be taken in conjunction with any other special offer on personal overdrafts. The privilege applies to only one ANZ Overdraft per shareholder or joint shareholder. Personal overdrafts on additional accounts are available on application. ANZ lending criteria and current overdraft application fees apply. Full details of terms, conditions and fees may be obtained from any ANZ branch or by calling 0800 269 296.

Personal loans
ANZ lending criteria and an Application fee apply. Minimum loan amount is $3,000 and minimum term is six months. This privilege cannot be taken in conjunction with any other special offer on personal loans. Full details of terms, conditions and fees may be obtained from any ANZ branch or by calling 0800 837 123.

 

Home and property

Home and residential investment loans
ANZ lending criteria apply. Subject to the ANZ Shareholder Privilege Package an Application fee applies (up to $500 for owner-occupied property. Up to 1% of loan amount for all other lending). For loans over 85% of the property value, a Low Equity Premium will apply. A monthly charge of $12.50 applies to ANZ Flexible Home Loans. This privilege cannot be taken in conjunction with any other special offer or package on ANZ home loans. It applies to new or existing ANZ home loans, but will not be backdated. Fees referred to are current as at 1 November 2005 Full details of terms, conditions and fees may be obtained from any ANZ branch or by calling 0800 ANZ HOME (0800 269 4663).

 

Credit cards

ANZ lending criteria apply. The ANZ Shareholder Privilege Package only applies to new ANZ Visa and ANZ MasterCard credit cards.