ANZ FOREIGN CURRENCY DEpOsITs

Whatever your business foreign currency needs, an ANZ Foreign Currency Account or Term Deposit can provide the flexibility to meet the ever-changing requirements of your supply chain.

ANZ Foreign Currency Accounts and ANZ Foreign Currency Term Deposits can be denominated in any major currency, enabling your business to manage its foreign currency transactions more effectively and efficiently.

foreign currency can be held in anticipation of a more favourable future exchange rate, or currency can be bought at a favourable rate and held until payments are due.

ADDiTionAl benefiTs

Three AccounTs To help mAnAge your cAsh flow

AnZ foreign currency AccounT:
An effective way to manage your day-to-day foreign currency transactions. Easy access to your funds makes this account attractive for settlement of your foreign currency receipts and pending payments.

Overdraft facilities2 may be available on ANZ Foreign Currency Accounts. Registered users can also view account details and carry out transactions online via ANZ OnLine, ANZ Weblink and ANZ Transactive3.

seeking opporTuniTies for success

As your long-term banking partner for business growth, ANZ is committed to the ongoing success of your business. We strive to keep abreast of the issues facing your industry and apply our innovative thinking, our breadth of expertise and our global perspective to bring you clever ideas and insightful solutions that could open up a wealth of possibilities for your business. We welcome the chance to discuss your latest challenges and opportunities at any time.

AnZ foreign currency invesTmenT AccounT:

For short to medium term investment of surplus working capital, aimed at allowing you to earn a higher rate of interest while still having full access to your funds. A split tiered interest structure applies.

AnZ foreign currency Term DeposiT:

An ANZ Foreign Currency Term Deposit is a convenient medium to long-term investment product providing certainty of returns via a range of competitive fixed interest rates and fixed terms1.

conTAcT DeTAils
The Foreign Currency Deposits outlined in this brochure are available to business customers only. Full details of the Terms and Conditions of the products and services in this brochure, applicable fees and a current set of Terms and Conditions published by ANZ, are available from your Relationship Manager or by calling 133 199.

miTigATe exchAnge risk, mAximise opporTuniTies

ANZ Foreign Currency Accounts allow you to transact efficiently with overseas trade partners. By netting your foreign currency transactions you eliminate the exchange risks associated with buying into and out of currency. At the same time, you have the opportunity to turn exchange rate fluctuations to your advantage; recently received

ANZ FOREIGN CURRENCY DEpOsITs

AnZ foreign currency AccounT minimum bAlAnce fees Balance UsD $10,000 equivalent >> A monthly account fee may apply >> Other fees and charges may apply for transactions over the account (e.g. International Money Transfers) >> payable on a split tiered basis >> Calculated daily and paid in arrears: (a) at month end; or (b) where the period is longer than 30 days, as agreed between you and the Relationship Manager; and (c) at the date of account closure >> Interest rates are available on anz.com >> ANZ OnLine >> ANZ Weblink >> ANZ Transactive3 >> ANZ Foreign Exchange Centre or any ANZ Branch >> Enquiries via 133 199 AnZ foreign currency invesTmenT AccounT Balance UsD $25,000 equivalent >> A flat monthly account fee will apply >> Other fees and charges may apply for transactions over the account (e.g. International Money Transfers) >> payable on a split tiered basis >> Calculated daily and paid in arrears: (a) at month end; or (b) where the period is longer than 30 days, as agreed between you and the Relationship Manager; and (c) at the date of account closure >> Competitive Foreign Currency Investment Account interest rates are available on anz.com >> ANZ OnLine >> ANZ Weblink >> ANZ Transactive3 >> ANZ Foreign Exchange Centre >> Enquiries via 133 199 >> same currency sweeps AnZ foreign currency Term DeposiT Equivalent of UsD $75,000 must remain on deposit at all times >> No monthly account fee >> Other fees and charges may apply1 please speak to your Relationship Manager for details >> Competitive, fixed, Foreign Currency Term Deposit interest rates are available upon application to ANZ >> Calculated for the term and paid on maturity >> Interest can be: (a) credited to a nominated ANZ account or; (b) reinvested with the principal

inTeresT

Access

>> ANZ Foreign Exchange Centre or any ANZ Branch >> Enquiries via 133 199

ADDiTionAl >> Overdraft facility available2 feATures >> Corporate drafts issuing: pre-printed drafts available currencies

>> Minimum term of 7 days >> Maximum term upon application to ANZ

Our foreign currency accounts offer the convenience of holding your funds in a wide range of currencies, including: AnZ foreign currency AccounT >> Canadian dollar >> Euro >> British pound >> Hong Kong dollar >> Japanese yen >> New Zealand dollar >> singapore dollar >> swiss franc >> United states dollar AnZ foreign currency invesTmenT AccounT >> Euro >> British pound >> New Zealand dollar >> United states dollar AnZ foreign currency Term DeposiT >> Canadian dollar >> Euro >> British pound >> Hong Kong dollar >> Japanese yen >> New Zealand dollar >> singapore dollar >> swiss franc >> United states dollar

please contact us if you wish to open an account in a different currency, as we may be able to accommodate your request.
The information contained in this document is intended as general information only.
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Penalties may apply for breaking an ANZ Foreign Currency Term Deposit before it matures. The balance must not fall below the USD $75,000 equivalent. A current Term Deposit Investment Statement is available on request by calling 133 199. ANZ credit criteria apply. An establishment fee and monthly management fee may apply. Debit interest applies. Details are available upon application. ANZ Transactive is only available to registered users.

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Australia and new Zealand banking group limited (AnZ) Abn 11 005 357 522. ANZs colour blue is a trade mark of ANZ. Item No. 76031 05.2010 W190356