MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio, or starting a new practice, we ve got a range of options and a specialist team dedicated to helping you.

What we can offer you at a glance Great personal banking benefits, including: Preferential home loan interest rate discounts An ANZ Freedom account with no monthly account or transaction fees Option of an ANZ Visa Debit card, with no annual card fee when linked to your ANZ Freedom account Take up a new ANZ personal credit card and you ll pay no annual fee (including additional card fee) for the first 12 months saving you up to $150*. Special benefits and discounts on our business banking, including: A Business day-to-day account with no account or transaction fees for the first year A Visa Business card with no annual card fee for the first year Discounted EFTPOS facilities Free interactive workshops covering topics such as Business Planning and Marketing. If you re studying or about to finish, you can enjoy these discounts while you study and for your first year as a graduate: An ANZ Freedom account with no monthly account or transaction fees Option of an ANZ Visa Debit card with no annual card fee when linked to your ANZ Freedom account Option of an interest free overdraft (on application). As a MAS Member you ll get priority service from a dedicated team of Banking Consultants and Business Banking Managers just by calling 0800 112 212. *$150 is the annual fee for an ANZ Airpoints Visa Platinum card. The additional card fee is $25. Lending criteria, terms, conditions and fees apply to all lending facilities. Full details are contained in the ANZ Credit Card Conditions of Use and a copy of our Reserve Bank disclosure statement are available from anz.co.nz or any branch.

2-3 When you re buying a home As a MAS Member you can enjoy great discounts on home loans from ANZ. They re available for your own home or residential investment properties and include: Preferential discounts off our home loan rates Choose from floating, flexible or fixed interest options Talk to your MAS adviser about special discounts available. No monthly fees on our ANZ flexible Home Loan No loan approval fee Specialist staff who can answer all your home buying and home financing questions. This includes our Mobile Mortgage Managers who can come to you whenever and wherever it s convenient for you. MAS may receive a commission from ANZ upon the drawdown of any new home loan under the MAS home loan package offered to Members. With the exception of MAS advisors, loan applications through mortgage advisors (brokers) are not eligible for package discounts and concessions.

For your everyday banking ANZ Freedom Account With an ANZ Freedom account, you ll get the freedom to bank any way you want and save money on bank fees. You can make as many automated and manual transactions as you like in our branches, over the phone, online or when you use cheques, EFTPOS or ANZ ATMs. ANZ Visa Debit An ANZ Visa Debit card is like an EFTPOS Card, only better as you can use it anywhere Visa is accepted using funds from your everyday or savings account. So with an ANZ Visa Debit card you can make purchases online, over the phone, at ATMs, and for EFTPOS transactions both within New Zealand and overseas. You ll pay no annual card fee for an ANZ Visa Debit card if it s attached to an ANZ Freedom account. Please note that currency conversion charges and some fees apply when you use your card overseas.

4-5 Other products you might be interested in Credit Cards A credit card can be a good way to manage your money. They re great for everyday purchases or buying items over the phone and online. If you re looking for a credit card look no further. Take up a new ANZ personal credit card and you ll pay no annual fee (including additional card fee) for the first 12 months saving you up to $150*. MasterCard Multi-currency Cash Passport With a Multi-currency Cash Passport from MasterCard, you get a convenient, secure, flexible and cost-effective way to take cash with you anywhere in the world, so you can relax and enjoy your trip. Make your next overseas trip easier get your Multi-currency Cash Passport now at any ANZ branch. To find out about other credit cards available, visit anz.co.nz *$150 is the annual fee for an ANZ Airpoints Visa Platinum card. The additional card fee is $25. Our lending criteria and fees apply. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch. Multi-currency Cash Passport is an unsecured debt security issued by Travelex Card Services Limited, a member of the Travelex group. A prospectus is available free of charge from cashpassport.co.nz. Multi-currency Cash Passport MasterCard is not guaranteed by any member of the Travelex group, by ANZ Bank New Zealand Limited or any of its related companies or any other entity. ANZ Bank New Zealand Limited receives a commission in respect of customers who acquire Multi-currency Cash Passport services through ANZ Bank New Zealand Limited. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

When you re setting up or running a business/practice Whether you re just starting out in your own business/practice or you have an established business/practice, as a MAS Member you ll enjoy special benefits that will save you money and help your business/practice succeed. These include: No account or transaction fees on your day-to-day business account for the first year No annual account fee on a Visa Business card for the first year Reduced rates for EFTPOS facilities, including your EFTPOS terminal rental, credit card processing fees and network connection fees Your own dedicated Business Banking Manager Access to our free hands-on, practical workshops on key business issues, from managing your cashflow to managing your staff. They re run by our Specialist Business Managers all around the country Access to our unique online Business Resource Centre, www.anz.co.nz/bizhub, giving you 24 hour access to invaluable tools, resources and information on all aspects of business. At ANZ we go beyond banking to help your business succeed.

6-7 As a MAS Member you ll enjoy special benefits that will save you money and help your business/practice succeed. When you re studying We understand that when you re studying, you have unique financial needs. That s why we offer you a tertiary package to help you through this key part of your life. With our Tertiary Plus package you can enjoy a range of benefits, including: No monthly account or transaction fees on your ANZ Freedom account Option of an ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account An interest-free overdraft up to $1,000 for your first year of study, and up to $2,000 in subsequent years to help you manage your money. Graduating soon? We also know that after you graduate it can take a while to get on your feet financially. That s why we also offer a Graduate Plus package with special benefits to help your transition into full-time work. With our Graduate Plus package you can enjoy a range of benefits, including: No monthly account or transaction fees on your ANZ Freedom account Option of an ANZ Visa Debit card with no annual card fee when linked to an ANZ Freedom account An interest-free overdraft up to $2,000 to help you manage your money. Fees are subject to change. Lending criteria apply. Automated transactions include EFTPOS, Mobile Phone Banking, ATM transactions, automatic payments, bill payments, direct debits, direct credits, and also include transactions made through Phone Banking and Internet Banking. Manual transactions include cheques and transactions handled by our staff at branch or by phone. Service and access fees (non-standard fees) still apply.

Switching to ANZ is simple If you re not an ANZ customer already, switching to us is a lot simpler than you may think. In fact, we can manage the majority of the process for you you may not even need to talk to your current bank. Or, if you d prefer to manage the process yourself, we ll provide information and checklists that show you how. To take up this exclusive banking package: Call us on 0800 112 212 For general information on ANZ products and services: Visit us in person at any ANZ branch Visit us online at anz.co.nz We look forward to being of service now and in the future.

8 1-2 9 Medical Assurance Society Package Terms and Conditions These Terms and Conditions record the details of the Medical Assurance Society Package offered by ANZ Bank New Zealand Limited ( ANZ ) to current Members of Medical Assurance Society (MAS). The benefits that are available under the Package are set out in this brochure (as at 26 August 2014) and are subject to change. You agree to these Terms and Conditions when you accept any of the Benefits provided under this Package. 1. Eligibility 1.1 All persons who are current Members of MAS are eligible for the Package ( MAS Members/You ). 1.2 You must make a personal application or register for the Package with ANZ. 1.3 You must comply with these Terms and Conditions and any specific terms and conditions that may apply to the products or services provided under the Package. 1.4 Eligibility for the Package ceases once you are no longer a MAS Member. Any Benefits that you have been receiving under the Package may be withdrawn by ANZ from that time. 2. Termination and Variation 2.1 ANZ may vary any of the Benefits provided under the Package. 2.2 ANZ will notify you of the change at least 14 days before the change will take effect. 2.3 ANZ will terminate any of the Benefits under the Package if: 2.3.1 either MAS or ANZ terminates their agreement to provide the package; or 2.3.2 you are no longer a Member of MAS. 3. Individual Product and Services Terms and Conditions Apply 3.1 The terms and conditions of ANZ s products or services, and any applicable fees, will apply to the extent they are modified by the Package, and these Terms and Conditions. 3.2 If any of the terms and conditions of ANZ s products or services are inconsistent with these terms and conditions, it will be these terms and conditions that will apply. 4. Confidentiality 4.1 You agree not to communicate, supply or make known to anyone (other than financial advisors) the existence or contents of the Package and any of its Benefits. 4.2 You agree to protect as confidential the terms and conditions of this agreement. 4.3 This clause survives termination of this Agreement. 5. Application of Benefits 5.1 The Benefits under the Package will not be applied retrospectively to any existing products or services held by you. 5.2 You are only entitled to the benefits of one Package. If you hold more than one Package you must select your preferred Package or, ANZ will apply the benefits of the first Package you applied for. 5.3 Any applications made for products or services where Benefits may apply, can only be made in joint names if you are named as one of the joint account holders. For the avoidance of doubt, family members are not eligible for Benefits under the Package on their own account. They may be entitled to the benefits offered to you under the Package where they hold products or services jointly with you. 5.4 Applications for products and services for which Benefits are available can be made in the name of a Family Trust or LTC s, only where you are a trustee or director of that entity. 5.5 If you wish to hold more than one product or service of the same type, the additional product or service will not be eligible for the benefits under the Package. This provision does not, however, apply to home loans. 5.6 You may take advantage of any specials or limited time offers the Bank may make publicly available, from time to time, in relation to any of its products or services. The Benefits under the Package will not apply to these offers. 5.7 Benefits provided under the Package are not exclusive to you. ANZ may, from time to time offer these benefits to the public. 5.8 With the exception of MAS advisers, loan applications through mortgage advisers (brokers) are not eligible for MAS package discounts and concessions. 6. Personal Information 6.1 You agree that MAS can on request from ANZ, provide ANZ with information about your Membership status to ensure you are still eligible for the benefits under the MAS package. 6.2 You agree that ANZ can confirm on request from MAS, that you are an existing customer who is receiving some or all of the benefits under the MAS package. 7. General Terms and Conditions 7.1 ANZ s lending criteria apply to all applications for credit. 7.2 For low deposit or low equity lending, a low equity premium on a graduated scale will apply and we may ask you to give us a Registered Valuer s report. 7.3 The Benefits are not transferable and cannot be exchanged for cash. Package details and interest rates are subject to change. Lending criteria, terms, conditions and fees apply. A copy of our Reserve Bank Disclosure Statement is available online at anz.co.nz or a request for a copy can be made at any ANZ branch free of charge. ANZ Bank New Zealand Limited.

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