Saving could be simpler than you think!

1. This offer is available only to the individual to whom the communication is addressed and who opens an ANZ Online Saver account (plus an eligible ANZ Deposit account including ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Access Deeming, ANZ Progress Saver, ANZ V2 PLUS, ANZ Premium Cash Management Account, ANZ Everyday Visa Debit and ANZ Private Cash accounts) on or before 06 November 2009. Customers are required to complete an identity check, and will be sent further information after the account is opened. This offer adds 0.75% p.a. bonus interest to the standard variable ANZ Online Saver interest rate (which, as at 07 October is 3.50% p.a. but is variable and subject to change) (the "Bonus Interest Rate"). The Bonus Interest Rate (the standard interest rate component of which remains variable) will apply until 08 March 2010. On 09 March 2010, the Bonus Interest Rate will revert to the then current standard variable ANZ Online Saver interest rate. This offer is for new accounts only and is not available with other offers. Fees and charges apply.

2. Ensure sufficient funds are available in the ANZ deposit account if direct deposits are set up.

3. Temporary service interruptions may occur. Technical requirements apply.

This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends that you read the Terms and Conditions, which are available by calling 13 13 14 before deciding to acquire the product. ® Registered to BPAY Pty Ltd ABN 69 079 137 518