Small Business Banking. It s your business

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1 Small Business Banking It s your business

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3 No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just manage your business day-to-day, get access to a Small Business Specialist who can provide you with simple and convenient financial solutions to suit your business.

4 Small business banking made simple Whether you re just starting up or getting set for global expansion, get access to an experienced Small Business Specialist who will take the time to understand your needs and offer you personalised guidance, so you can get on with running your business. Convenient business banking 1 Your business could be running 24/7, every day of the year and we ll be there with every transaction and tick of the clock, helping to make your money work for you. Access your money anytime, anywhere 2 Everyday business transaction accounts Transact in more places with an ANZ Business Visa Debit card Online, phone and fast deposit services Easy payment solutions 3 Whether you need a simple solution for receiving EFTPOS payments from customers, or access to credit, there are solutions to meet your day-to-day business needs. Process sales or get access to credit Merchant payment solutions Business credit cards Page 8 Page 12 Enjoy convenient access to your money Our ANZ Business Visa Debit card provides you with convenient access to your money via ATMs, online, over the counter, over the phone and overseas, anywhere Visa is accepted at over 29 million locations worldwide. With the added peace of mind that all your transactions will be protected by ANZ Falcon TM fraud protection. Refer to page 18 for important things you need to know.

5 4 5 Financing your growth 3 When it comes to financing your business, access to vehicles, equipment or assistance with managing fluctuating cash flow cycles, we can provide you with the capital and flexibility you need. Choose the products that work for you Business and Asset Finance Business Credit and Indemnity/Guarantees Page 14 Investing surplus funds 1 It s good to know that we have a range of simple and uncomplicated short/long term investment options on how and where to grow your money. Invest and protect for now or later Short and long term investments Business Insurances 4 Page 16 ANZ Business Banking at a glance Do you have more complex business needs? We recognise that our larger and specialised business customers have unique business needs. Talk to an ANZ Business Relationship Manager, available through one of our Business Centres, about our suite of tailored products and services or visit anz.com/myindustry for information about a range of industry solutions.

6 The people who mean business Turn your vision into reality Get started with some help from our free online courses, track and identify your business priorities with a range of free business tools and templates, or simply get some guidance from other small business owners online. Join The ANZ Small Business Hub today at thesbhub.com.au

7 6 7 Whatever you want to do and wherever you want to go, talk to the people who know about business. We re available when you need us through any of our branches, Business Centres or over the phone. Start. Get off on the right foot with simple financial solutions, support and tools to help you build an effective business plan. Grow. With the support of a reliable and strong bank and a Business Specialist who understands your industry, we can help you get to where you want to be. Manage. Your Small Business Specialist will guide you through with knowledge and advice on ways to manage your cash flow to managing customer payments.

8 Flexible and simple business banking Simplify your business accounts No matter what stage your business is at, we offer business packages tailored to suit your business financial goals. Simply start with an ANZ Business Advantage Account and you ll receive an ANZ Business Visa Debit card 5, for no additional fee 6. Then select from a range of products and services to suit your business needs, bundle them together and pay just one monthly fee.

9 8 9 Keep things simple. Our everyday business accounts give you the flexibility to choose an account that works for you and your business. Everyday Transaction Accounts 1 What you may need Solutions Benefits A simple, low-cost transaction account to cover your essential business banking needs. An everyday transaction account with greater control and a high volume of monthly transactions. A transaction account to hold funds in trust for your clients. A transaction account to help you manage your GST requirements more effectively. ANZ Business Advantage Account ANZ Business Extra Account ANZ Statutory Trust Account ANZ GST Payment Account An unlimited number of ANZ transactions 6 giving you the certainty of knowing how much you ll pay each month. A high level of control and access with the option of an ANZ Business Visa Debit card 5. An unlimited number of ANZ transactions per month 6 with ANZ Internet Banking for Business available at no extra charge. A high level of control and access with the option of an ANZ Business Visa Debit card 5. Assists your business to operate in line with relevant government legislation. Provides a simple method for keeping your GST collections separate from your daily operating funds. Transact in more places with our new ANZ Business Visa Debit card What you may need Solution Benefits Convenient access to your money directly from your ANZ Business Advantage Account or ANZ Business Extra Account 5. ANZ Business Visa Debit card Access your available funds via the Visa network, and get the added security of ANZ Falcon TM fraud monitoring when you use your card for ATM, EFTPOS, online, over the phone and overseas transactions. No additional card or application fee 6 applies. Get simple and convenient access to your business banking transactions around the clock 2. 24/7 Banking What you may need Solutions Benefits Fast and easy way to make deposits at the branch. Perform your business banking anytime, anywhere. High daily payment-limits and the ability to cater for business accounts with 1 or more to sign (up to maximum of nine). Ability to access your accounts via the telephone. ANZ Fast Deposit ANZ Internet Banking ANZ Internet Banking for Business ANZ Phone Banking Allows you and your staff to drop off pre-prepared deposits to branches with no queuing. Reduce the time spent doing your business banking and decrease your fees. Provides your business with greater flexibility and convenience. Saves time while also being secure and convenient. Refer to page 18 for important things you need to know.

10 Convenient access to your money An ANZ Business Visa Debit card provides you with a better way to access your available funds in more places directly from your ANZ Business Advantage or ANZ Business Extra Account, for no additional fee 5. Benefits at a glance Access your available funds (including access to an ANZ Business Overdraft connected to your account) via the Visa network worldwide Transact in more places, online, over the counter, over the phone and overseas, anywhere Visa is accepted at over 29 million locations worldwide Withdraw cash at any ATM that displays the Visa or PLUS symbols 7 Deposit funds via ANZ Internet and Phone Banking, ANZ branches and selected ANZ ATMs Simplify your banking by separating your business and personal expenses with an ANZ Business Visa Debit card for business purposes and an ANZ Access Visa Debit card for personal use Choose from three card colours Enjoy peace of mind knowing all your transactions will be protected by advanced security features including: - ANZ Falcon TM, monitoring suspicious transactions - Visa Zero Liability, simply press the Credit `CR button when making EFTPOS and ATM transactions and shop with confidence knowing you won t be liable for unauthorised purchases made on your card 8 - ANZ Fraud Money Back Guarantee 8 - Verified by Visa - Security microchip Provides you with another payment option other than cheque or cash No additional card or application fee 6 ANZ Visa paywave - The new contactless payment feature is more convenient, quick and secure. You don t need to sign or enter a PIN for purchases under $100 at any merchants who have a contactless terminal Refer to page 18 for important things you need to know.

11 Remember to press Credit CR when you use your ANZ Business Visa Debit card for EFTPOS and ATM transactions to activate the Visa Zero Liability policy and protect yourself from any unauthorised transactions made on your card

12 Easy payment solutions 3 Get paid faster with our range of advanced merchant solutions. Merchant Payment Solutions 3 What you may need Solutions Benefits Process credit, debit and/or charge card payments electronically. Ideal for business customers who are present at the time of the sale (ie to swipe card). Secure and portable terminal to suit businesses on the move. EFTPOS terminal for businesses that want to integrate with their existing Point of Sale (POS) system. Secure online payment solution for accepting payments online, via phone or by batching. Online payment solution for accepting payments online, via phone or by batching. MultiPOS Turbo MultiPOS Mobile ANZ POS Plus egate epos Reliable and fast transaction speed with the added security of Chip Card processing. Portable wireless device with widespread card acceptance and the added security of Chip Card processing. Operators no longer have to enter transaction details twice. Search and view transactions as and when they occur. Provides real-time authorisation of transactions. A convenient and simple way for customers to shop online. 24-hour high-speed credit card payment processing solution with unlimited transaction volumes. Pay your suppliers conveniently whilst managing business expenses and minimising paperwork. Business Credit Cards 3 What you may need Solutions Benefits One simple account that can help manage your cash flow. A way to control your business travel and entertainment expenses. An efficient and cost effective way to manage your general business purchasing needs. ANZ Business One Visa ANZ Corporate Card ANZ Visa Purchasing Card Choose the option that best suits the needs of your business, such as earning reward points, having interest free days or choosing a low ongoing interest rate. Enjoy the benefit of ANZ Visa paywave, the new contactless payment feature which is convenient, quick and secure. You don t need to sign or enter a PIN for purchases under $100 at any merchants who have a contactless terminal. Help minimise the amount of paperwork associated with managing business expenses. A flexible buying tool that streamlines the purchasing process from office stationery to retail purchases. Refer to page 18 for important things you need to know.

13 Receiving money or making payments internationally? We have a wide range of solutions to suit your international business transactions. For information and advice, simply speak to your Small Business Specialist today

14 Financing your growth 3 Build your business on your terms. We have business lending and credit facilities for you to choose from to suit your business cycles, cash flow, budget and timeline. Business Finance What you may need Solutions Benefits A low cost, flexible business loan for customers with residential security for amounts above $25,000. A no frills low cost business loan for amounts above $50,000. A capital boost with flexible repayment and interest rate options for amounts above $10,000. ANZ Business Mortgage Loan ANZ Business Saver ANZ Business Loan Access to amounts from $25,000 for any period up to 30 years. Get the additional option of a Business Mortgage Offset Account. A low variable rate of interest for the life of the loan. Choose the repayment and interest rate options (fixed or variable) that suit your business.

15 14 15 Financing vehicles and business equipment 3 With ANZ Asset Finance, you can fund vehicles or business equipment without using your working capital. Our Small Business Specialists will work with you to help you find a solution with repayments to suit your unique cash flow cycles. Asset Finance What you may need Solutions Benefits Your unique needs will determine which Asset Finance solution is most suited to you. Choose from: Chattel Mortgage Offer to Hire (Hire Purchase) Finance Lease Novated Lease Preserve your important working capital Immediate access to vehicles and equipment Tailor repayments to match your cash flow Potential tax benefits may apply 9 Business Credit and Indemnity/Guarantee 3 What you may need Solutions Benefits Cover seasonal and working capital requirements for amounts above $2,000. Funding for important investment opportunities such as shares or property for amounts above $25,000. A formal guarantee from ANZ to pay a financial obligation to a third party. ANZ Business Overdraft ANZ Business Credit Facility ANZ Indemnity/ Guarantees A permanent line of credit when you need it. Manage your business assets by separating working capital from investment capital. Free up valuable funds for other purposes. Interested in learning more about how vehicle and/or equipment finance can benefit you? Speak to your Small Business Specialist today. Refer to page 18 for important things you need to know.

16 Investing surplus funds Generate income on cash you don t need to use right away. Our online savings, term deposit and cash management accounts are the smart place to park your funds for short periods. Short term investments 1 What you may need Solutions Benefits A regular income from cash investments from $5,000 without access to your funds. Full access at a competitive rate A low cost savings account with high interest linked to another ANZ transaction account ANZ Term Deposit ANZ Business Premium Saver ANZ Business Online Saver An investment with no entry fees and a choice of terms from seven days to five years. Enjoy a great interest rate and full access to your savings at a low cost, with no account keeping fees and up to 5 free transactions per month (excluding ANZ ATMs). An online savings account with a great interest rate, no fees and instant access to savings. We ve got you covered 4 As your business grows, so may your assets. Help protect your business assets by receiving clear and simple business insurance, or ask us about income protection to help cover the unexpected. Speak to your ANZ Small Business Specialist today about what s right for you. The most important investment of all - you If you already have or would like to establish a self managed superannuation fund, talk to us today to arrange specialist advice specifically for you. Refer to page 18 for important things you need to know.

17 When you re ready to talk, we ll listen Get access to a Small Business Specialist through any ANZ branch and talk about how ANZ could help your business save you time, money and stress. Starting with an A-Z Review, we ll take the time to get to know you and your business with questions like: Are you starting your business for the first time? Are you looking for growth opportunities? What are you looking to achieve in the short (1-3 years) or long term (5-10 years) and do you have a plan already in place as to how you re going to achieve them? What are the key business challenges that you re facing over the next 12 months? How do you plan to meet them? Once we ve developed a deeper understanding of your business, where it s at and where you want it to go, we ll work with you to customise a solution to suit your business banking needs. See a change coming? Thinking about moving to the coast, country or the city? If you re going to set up a business once you re there, check out the services and support we can offer you in rural, regional and metropolitan Australia. Simply speak to your Small Business Specialist today.

18 Important things you need to know 1 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 you read the terms and conditions and fees and charges for each product which are available by calling or visiting anz.com before considering whether you will acquire or hold the product. 2 Temporary service interruptions may occur. Technical requirements may apply. 3 All applications for credit facilities, Indemnity/Guarantees and Merchant Payable solutions are subject to ANZ s normal credit assessment approval criteria. Fees and charges apply. Full details of relevant term and conditions and fees and charges are available on application or by calling ANZ sources Business, Farm & Commercial Motor Insurance from OnePath General Insurance Pty Ltd ABN (OnePath GI). The issuer of these insurances is by QBE Insurance (Australia) Limited ABN AFSL (QBE), the holder of an Australian Financial Services Licence. ANZ receives a commission of up to 20% of the net premium within 3 months from the issuer if you purchase the insurance but is not acting as your agent. OnePath GI is owned by ANZ an authorised deposit taking institution (ADI) under the Banking Act 1959 (Cth). The issuer(s) are not an ADI. Except as set out in the contract terms including the Product Disclosure Statement of the issuer(s), this product is neither a deposit or other liability of ANZ or any member of the ANZ Group, other than the relevant issuer(s). None of them stand behind or guarantees the issuer(s). The information provided is general in nature only and does not take into account your personal needs and financial circumstances and you should consider whether the product is appropriate for you by reading the Product Disclosure Statement before acquiring or continuing to hold the product, which is available by visiting any ANZ branch, calling or visiting anz.com. See ANZ Business Banking Transaction Accounts Fees and Charges booklet for full definition. 5 Eligibility and terms and conditions apply. Please refer to the ANZ Business Transaction Accounts Terms and Conditions. 6 Additional fees and charges apply to certain services, such as non-anz operator fees, overseas ATM fees and international transactions. 7 We recommend you use ANZ ATMs wherever possible to help minimise transaction fees. Fees may apply at non-anz ATMs. 8 You won t be liable for unauthorised transactions on your ANZ Business Visa Debit Card. Terms and conditions apply - please refer to the ANZ Business Transaction Accounts Terms and Conditions for further detail. 9 ANZ recommends that you seek independent tax or financial advice where appropriate. Consult your accountant or tax advisor for further information about possible tax benefits. TM ANZ Falcon is a trade mark of Australia and New Zealand Banking Group Limited. Falcon is a trade mark of Fair Isaac Corporation.

19 18 19 Find out more Contact an ANZ Small Business Specialist today on Visit smallbusiness.anz.com to find a Small Business Specialist near you

20 Find out more Visit your nearest ANZ branch Call an ANZ Small Business Specialist today on Australia and New Zealand Banking Group Limited (ANZ) ABN AFSL Australian Credit Licence Number ANZ s colour blue is a trademark of ANZ W Visit anz.com/smallbusiness anz.com