Euro Medium Term Note Programme

Each person accessing this Website confirms that they are a person who is entitled to do so under all applicable laws, regulations and directives in all applicable jurisdictions.

The materials on this website page (the "Materials") and the web pages accessed through this web page (together, the "Website") are of a general nature only and do not contain investment recommendations or advice (including, but not limited to, financial product advice). The information is not to be relied upon as being accurate, complete or up to date. All information is subject to change without notice. Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") recommends that, before making any investment decision or otherwise acting upon information contained or referred to in this Website, investors should seek independent professional advice that takes into account their financial situation, investment objectives, particular needs and/or other personal circumstances.

Nothing in the Website is, or is to be construed as, an offer of or invitation, inducement, solicitation or recommendation to subscribe for, underwrite or purchase securities in any jurisdictions (including, but not limited to, any securities of ANZ or any of its controlled entities) in which such offer is or may be prohibited, restricted or subject to any requirement for filing, registration, authorisation, licence or consent. The Website shall not form the basis of any contract or commitment whatsoever. No sale of any securities described on this Website will occur in any jurisdiction in which such offer, invitation, inducement, solicitation, recommendation or sale would be unlawful.

The materials on the Website are intended for use by authorised users only and may not be published, copied or distributed to any other person.

You will not engage in any activities related to the Website that are contrary to applicable law or regulation or the terms of any agreements between you and ANZ.

The Website may contain other proprietary notices and copyright information, the terms of which must be observed and followed.

In Australia

The Materials are for distribution only to persons who are not a "retail client" within the meaning of section 761G of the Corporations Act 2001 of Australia and are also sophisticated investors, professional investors or other investors in respect of whom disclosure is not required under Part 6D.2 or Chapter 7 of the Corporations Act 2001 of Australia and, in all cases, in such circumstances as may be permitted by applicable law in any jurisdiction (including Australia) in which an investor may be located.

In New Zealand

The Materials are for distribution only:

(a) to persons who are wholesale investors as that term is defined in clauses 3(2)(a), (c) and (d) of schedule 1 to the Financial Markets Conduct Act 2013 of New Zealand (the "FMC Act"), being a person who is:

      (i) an "investment business";

        (ii) "large"; or

        (iii) a "government agency",

        in each case as defined in schedule 1 to the FMC Act; and

(b) in other circumstances where there is no contravention of the FMC Act, but (without limiting paragraph (a) above) excluding any "eligible investor" (as defined in the FMC Act) or any person that meets the investment activity criteria specified in clause 38 of schedule 1 to the FMC Act.

In the European Economic Area

The Materials are being shown to you solely for your information on the basis that you are a person who may lawfully view such information in accordance with the laws of the jurisdiction in which you are located. Your access to the Materials may be restricted by applicable law, and you must seek your own advice in relation to and observe any such restrictions. The Materials are confidential and may not be retransmitted, distributed to any other person or copied or published, in whole or in part, via any medium or in any form for any purpose.

If the final terms (or pricing supplement, as the case may be) in respect of any of the securities described on this Website includes a legend entitled "Prohibition of Sales to EEA Retail Investors", such securities are not intended to be offered, sold or otherwise made available to and should not be offered, sold or otherwise made available to any retail investor in the European Economic Area. For these purposes, a "retail investor" means a person who is one (or more) of: (i) a retail client as defined in point (11) of Article 4(1) of Directive 2014/65/EU ("MiFID II"); or (ii) a customer within the meaning of the Insurance Mediation Directive (Directive 2002/92/EC (as amended)) ("IMD"), where that customer would not qualify as a professional client as defined in point (10) of Article 4(1) of MiFID II; or (iii) not a qualified investor as defined in Directive 2003/71/EC, as amended, including by Directive 2010/73/EU. Consequently no key information document required by Regulation (EU) No 1286/2014 (the "PRIIPs Regulation") for offering or selling such securities or otherwise making them available to retail investors in the EEA has been prepared and therefore offering or selling of such securities or otherwise making them available to any retail investor in the EEA may be unlawful under the PRIIPs Regulation. In respect of such securities, retail investors should not access the Website nor act upon any of the Materials.

In the United Kingdom

The Materials on this website page do not constitute an offer or invitation to sell, or any solicitation of any offer to subscribe for or purchase any securities, and nothing contained herein shall form the basis of any contract or commitment whatsoever. Other than the base prospectus and any supplementary prospectuses thereto, the Materials have not been approved by the UK Financial Conduct Authority.

United States

The Materials relate to borrowing facilities of ANZ, ANZ Bank New Zealand Limited and ANZ New Zealand (Int’l) Limited. The securities offered under these facilities have not been registered under the US Securities Act of 1933, and may not be offered, sold or delivered within the United States or to U.S. persons (as defined in Regulation S under the US Securities Act of 1933).