ANZ Interest Rate Changes

Interest Rate Changes Effective 1 July 2010

ANZ Online Call	Rate
All Balances	3.25% p.a.

ANZ Call Deposit	Rate
$0 - $19,999	1.00% p.a.
$20,000 - $99,999	1.25% p.a.
$100,000 - $249,999	2.25% p.a.
$250,000 - $499,999	2.25% p.a.
$500,000 plus	3.25% p.a.

ANZ Advantage	Rate
$0 - $4,999	0.50% p.a.
$5,000 - $19,999	1.00% p.a.
$20,000 - $49,999	1.50% p.a.
$50,000 - $99,999	1.50% p.a.
$100,000 plus	3.00% p.a.

ANZ Serious Saver	Rate
Base Rate	0.50% p.a.
Bonus Rate*	3.00% p.a.
Total Available Rate	3.50% p.a.

*Bonus interest is earned when you make a deposit of $10 or more and make no withdrawals within your account’s monthly key date cycle (the day you opened your account is the start of each monthly cycle).

ANZ Equip Saver	Rate
Base Rate	0.50% p.a.
Bonus Rate*	3.00% p.a.
Total Available Rate	3.50% p.a.

ANZ Youth Account	Rate
All Balances	2.75% p.a.

ANZ Private Banking Premier Account	Rate
$0-$19,999	1.75% p.a.
$20,000-$49,999	2.50% p.a.
$50,000-$99,999	2.75% p.a.
$100,000 plus	3.35% p.a.

ANZ Private Banking Call Account	Rate
$0-$499,999	3.35% p.a.
$500,000-$999,999	3.35% p.a.
$1,000,000-$4,999,999	3.35% p.a.
$5,000,000 plus	3.40% p.a.

ANZ Call Fund
From 1 July 2010, the rate of return on the ANZ Call Fund will be 3.25% p.a.

Eligibility criteria apply. Interest rates are subject to change. Full details for all ANZ accounts, including terms, conditions and fees, and a copy of our Disclosure Statement are available from any ANZ branch.

A minimum investment of $2,000 is required for the ANZ Call Fund (‘the Fund’). Rates of return are subject to change. Returns are paid quarterly in the form of additional units. The Fund is a unit trust issued and managed by UDC Finance Limited (‘UDC’). Trustees Executors Limited is the trustee. ANZ National Bank Limited is the promoter of the Fund. UDC is a wholly owned subsidiary of ANZ National Bank Limited. The terms and conditions of the Fund set out in the Investment Statement apply. A copy of the Investment Statement and Prospectus for the Fund and a copy of the Disclosure Statement prepared under the Securities Markets Act 1988 are available on request from any branch of ANZ, free of charge. Units in the Fund do not represent deposits or other liabilities of ANZ National Bank Limited and are subject to investment risk including possible delays in repayment and loss of income and principal invested. No person guarantees (either partially or fully) UDC or the capital value or performance of the Fund.

ANZ National Bank Limited.

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