Bonus Bonds the much more fun investment Key Information. bonusbonds.co.nz

Bonus Bonds the much more fun investment Key Information. bonusbonds.co.nz

This brochure is current as at 11 September 2015 and is not (and is not required to be) an Investment Statement or prospectus for the purposes of the Securities Act 1978. This brochure should be read in conjunction with the current registered prospectus and a summary of the Bonus Bonds terms and conditions which can be requested from an ANZ branch or downloaded from bonusbonds.co.nz. Investments in the Bonus Bonds Trust (Trust) are not deposits in ANZ Bank New Zealand Limited or Australia and New Zealand Banking Group Limited (together ANZ Group), nor are they liabilities of ANZ Group. ANZ Group does not stand behind or guarantee the Trust. 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. In any month, the number of Bonus Bonds prizes and total payout are subject to change. ANZ Investment Services (New Zealand) Limited is the manager of the Bonus Bonds Trust. ANZ New Zealand Investments Limited is the investment manager of the Bonus Bonds Trust, and ANZ is a distributor of units in the Bonus Bonds Trust. In the brochure 'we', 'our' and 'us' means ANZ Investment Services (New Zealand) Limited, a subsidiary of ANZ Bank New Zealand Limited. As part of our commitment to you, this document meets the WriteMark Plain English Standard. If you have any questions about this booklet please ask at any branch, phone us on 0800 266 374, or send us an email from our website.

What are Bonus Bonds? Bonus Bonds are a unique investment product. By buying Bonus Bonds, you get chances to win a share of thousands of cash prizes each month instead of earning interest or receiving investment gains. Bonus Bonds are one of New Zealand s largest investment products. When this brochure was published, over $3 billion was invested in Bonus Bonds. You can cash in Bonus Bonds whenever you want giving you easy access to your investment whenever you need it. 1

How much does a Bonus Bond cost? Each Bonus Bond costs $1. We can change this price in special circumstances, but have never done so, and don t expect to in the future. You can invest as much as you d like into Bonus Bonds provided you invest a minimum amount of $20 each time. We can change the minimum amount at any time. Who can buy Bonus Bonds? Any individual person can buy Bonus Bonds for themselves or jointly with other people. Companies, incorporated clubs and societies, and trusts can t buy Bonus Bonds unless they were a Bondholder on 13 September 2013 and still hold Bonus Bonds. 2 Bonus Bonds

How do Bonus Bonds prizes work? Each eligible Bonus Bond puts you in a monthly draw to win prizes. Even old Bonus Bonds you ve forgotten about are entered. If you win a prize, we ll either email or write to you and then: pay your prize in cash into your bank account, or issue you with more Bonus Bonds. Other than prizes, we don t distribute any income or provide any returns on your investment in Bonus Bonds. The number and amount of prizes will change each year. In the twelve-month period 1 April 2014 to 31 March 2015, the Trust awarded over two million one hundred thousand prizes, totaling more than $60 million. The much more fun investment bonusbonds.co.nz 3

When are prize draws held? Prize draws are held once a month on the first business day of the month, with results announced on the second Tuesday of each month and details are published on bonusbonds.co.nz. A Bonus Bond is only eligible for a draw after you own it for at least one calendar month. We ll enter it into the draw on the first day of the following month. For example, if you buy Bonus Bonds in March, those Bonus Bonds won t be in the monthly prize draw in April, but they will be in any monthly prize draws from the first day of May onwards. Bonus Bonds remain eligible to win prizes in every monthly draw until you cash them in. 4 Bonus Bonds

What are your chances of winning? In the August 2015 prize draw, the chance for any individual eligible Bonus Bond to win a prize was 1 in 18,943. The main factors that will change the prize pool, and therefore your chances of winning a prize, are: the Trust s investment performance the number of Bonus Bonds eligible for each monthly prize draw. For most prize draws over the next year, we expect that the chance of any Bonus Bond winning a prize will range between 1 in 20,000 to 1 in 35,000. The Trust Deed requires us to manage the prize pool so that your chances of winning a prize are no better than 1 in 9,600. The much more fun investment bonusbonds.co.nz 5

What are the main benefits? An investment in Bonus Bonds has six main benefits. Monthly prizes: you could win a share of thousands of prizes each month, including a top prize of $1 million. See bonusbonds.co.nz for details of recent prize draws including the total value, number and denominations of prizes. Access to our special prize draws: we also hold occasional special prize draws to promote Bonus Bonds. We set the entry rules for these draws and we pay the prizes out of our management fee not out of the Trust. No income tax on prizes: if you win a prize, you won t have to pay any income tax on it. See our prospectus for more information on taxation. Low risk: the Trust s investments are conservatively managed, which reduces the risk that you ll receive less than you paid for your Bonus Bonds when you cash them in. Easy access to your investment: it s easy to cash your Bonus Bonds in, so your money is generally available if you need it. See our prospectus for more information on cashing in. You re always connected: keep up to date with your Bonus Bonds through MyBonusBonds; our secure online service that allows you to access and manage your Bonus Bond investments. 6 Bonus Bonds

What are the risks? Like any investment, Bonus Bonds involve some risk. You should consider the following risks when assessing an investment in Bonus Bonds. You might not win a prize, so you might receive no gain from your investment. Inflation may mean your investment has less purchasing power by the time you cash in your Bonus Bonds. Changes in interest rates or financial markets may affect the Trust s investment performance as assets could lose value or issuers might be unable to meet their obligations. These changes could impact the amount, and number, of prizes. These changes may be to your advantage or disadvantage. The price for each Bonus Bond could fall below $1, which would mean that you could receive less money than you put in when you cash in your Bonus Bonds. Any changes in the number of Bonus Bonds eligible for each monthly prize draw will change the odds of you winning a prize. These changes may be to your advantage or disadvantage. In some circumstances, your cash-in payment might be delayed. The laws affecting Bonus Bonds could change, which, for example, might reduce the prizes available every month or your eligibility for them. You need to decide how any risks apply to your personal circumstances. We recommend that you talk to an authorised financial adviser about the investment options available to you. More information on risks can be found in our prospectus. The much more fun investment bonusbonds.co.nz 7

How do you buy your first Bonus Bonds? The first time you buy Bonus Bonds, you need to fill out an application form. These are available at bonusbonds.co.nz, or at any ANZ branch. For your application to be successful, you ll need to supply us with acceptable proof of your identity and home address. You ll also need to give us information such as the country you were born in, your occupation, and which country you pay tax in. How do you buy more Bonus Bonds? You can buy additional Bonus Bonds for yourself and others: online at MyBonusBonds at any ANZ branch by automatic payment or bill payment. How do you cash in your Bonus Bonds? You can cash in some (or all) of your Bonus Bonds by giving us a completed Cash-In Request form or lodging a request through MyBonusBonds. 8 Bonus Bonds

If you cash in your Bonus Bonds when will you get your money? Normally, we pay within five business days, or two business days if your request is made through MyBonusBonds. If you need urgent payment when you cash in your Bonus Bonds, you can make an emergency cash-in request: at an ANZ branch online through mybonusbonds.co.nz. A fee will apply. If you cash in your Bonus Bonds, how much will you get? You ll currently get $1 for each Bonus Bond you cash in. In an emergency, a cash-in fee is applicable and this will reduce how much you get back. Refer to the prospectus for more information on the price of Bonus Bonds. If you complete an emergency cash-in through: an ANZ branch, we charge a fee of $60; we ll make payment in cash or to an ANZ bank account that day, or overnight to other banks MyBonusBonds, we charge a fee of $15; we ll make payment on the next business day. You must complete and submit your emergency Cash-in request before 3.30pm at an ANZ branch or before 7pm through MyBonusBonds. The much more fun investment bonusbonds.co.nz 9

What are the fees? When you invest in Bonus Bonds, you currently pay no direct fees, unless you need an emergency cash-in. However, the Trust: pays us an annual management fee for administering and managing the Trust and its Register. At the date of this brochure, our management fee is 1.15% of the gross value of the Trust plus GST (GST is calculated on only 10% of our fee). However, this is currently under review and may change. pays the Trustee an annual fee to perform its responsibilities as Trustee. At the date of this brochure, the Trustee fee is 0.03% of the gross value of the Trust plus GST (GST is calculated on 100% of the Trustee s fee). Prior to 1 April 2015 GST was calculated on 75% of the Trustee's fee. reimburses us and the Trustee for any expenses we incur when carrying out our duties. This includes the reimbursement of expenses we incur for services we ve delegated to third parties, including: the selection and management of the Trust s investments the administration and management of the Trust s Register. No dollar limit applies to our management fee, the Trustee fee, or the amount that we and the Trustee may be reimbursed for expenses. Any fees paid, or expenses reimbursed, by the Trust will reduce the prize pool. 10 Bonus Bonds

The table below illustrates the total fees and expenses incurred by the Trust as a percentage of the average gross value of the Trust (being the total expense ratio). This percentage: is calculated on actual expenses incurred for the previous financial years, and is shown before tax. Year ending 31 March 2015 Year ending 31 March 2014 Year ending 31 March 2013 Bonus Bonds Trust 1.29% 1.28% 1.28% Bonus Bonds are not guaranteed Bonus Bonds are not guaranteed by anyone (including ANZ Group, Trustee Executors Limited and the Government). Bonus Bonds uses an award-winning investment manager Bonus Bonds investments are managed by ANZ New Zealand Investments Limited, ANZ s award-winning fund manager. ANZ Investments has an outstanding record of investment performance in New Zealand. See investments.anz.co.nz for their full awards history. The much more fun investment bonusbonds.co.nz 11

You re in good company When this brochure was published: over $3,000,000,000 (that s over three billion dollars) was invested in Bonus Bonds over 1.3 million people own one or more Bonus Bonds. The Trust currently has a Standard & Poor s fund credit rating We seek to manage the Trust to a Standard & Poor s fund credit rating standard of AAf. This rating indicates that, in Standard & Poor s opinion, the Trust s portfolio holdings provide very strong protection against losses from credit defaults. Credit defaults occur if a person does not meet their financial obligations. Credit ratings are subject to change. You can find out more about Standard & Poor s credit ratings at standardandpoors.com. Standard & Poor's is not connected to ANZ Investment Services (New Zealand) Limited, Bonus Bonds or the Trust. A credit rating from Standard & Poor's is not a recommendation to buy, sell, or own Bonus Bonds. We and ANZ Investments are subsidiaries of ANZ We and ANZ Investments are subsidiaries of ANZ Bank New Zealand Limited. 12 Bonus Bonds

Help us keep in contact with you If your name or address changes, you must let us know so that we can update the Register (which is the official record of Bonus Bonds ownership). For more information Visit bonusbonds.co.nz Email bonusbonds@anz.com Phone 0800 266 374 or +64 3 474 1299 from overseas Visit an ANZ branch The much more fun investment bonusbonds.co.nz 13

This brochure is for information purposes only. Its content is intended to be of a general nature. It does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser that takes into account your individual circumstances before you acquire a financial product. 09/15 ANZBB15467 BOND009A