Investments in the Bonus Bonds Scheme (the 'scheme') and are not deposits in ANZ Bank New Zealand Limited, Australia and New Zealand Banking Group Limited, or their
subsidiaries (together the 'ANZ Group'), nor are they liabilities of ANZ Group. ANZ Group does not stand behind or guarantee the scheme. Investments are subject to investment risk, including possible delays in repayment, and loss of income and principal invested. ANZ Group will not be liable to you for the capital value or performance of your investment. ANZ Investment Services (New Zealand) Limited is the manager and issuer of the scheme.