Australian Housing Dynamics and Affordability
DISCLAIMER
This document has been prepared by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (the "Bank") for the information of intended recipients only (being persons who meet the
requirements described in the following paragraphs). This document is intended to be general background information on the Bank's and its affiliates' business current at the date of this presentation. This
document is highly confidential and being given solely for the information of such recipients and may not be shared, copied, reproduced or redistributed to any other person in any manner.
This document (and its presentation) does not constitute or form part of and should not be construed as, an offer to sell or issue or the solicitation of an offer to buy or acquire any notes, securities or
other financial products ("Securities") of the Bank or any other person in any jurisdiction or an inducement to enter into investment activity or to effect any transaction or to conclude any legal act of any
kind.
The distribution of this document in certain jurisdictions may be restricted by law in certain jurisdictions and persons into whose possession any document or other information referred to in it comes
should inform themselves about and observe any such restrictions. Any failure to comply with these restrictions may constitute a violation of the securities laws of any such jurisdiction. This document is
not directed to, or intended for distribution to or use by, any person or entity that is a citizen or resident or located in any locality, state, country or other jurisdiction where such distribution, publication,
availability or use would be contrary to law or regulation or which would require any registration or licensing within such jurisdiction.
Without limiting the preceding paragraphs, this document and the information contained in it are not an offer of Securities for sale in the United States and are not for publication or distribution to
persons in the United States. This document is being given to you on the basis that you have confirmed your representation that you are not located or resident in the United States and, to the extent
you purchase any Securities mentioned in it you will be doing so pursuant to Regulation S under the U.S. Securities Act of 1933, as amended (the "Securities Act").
NO SECURITIES HAVE BEEN, NOR WILL BE, REGISTERED UNDER THE SECURITIES ACT, OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR OTHER JURISDICTION AND MAY NOT BE
OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT IN CERTAIN TRANSACTIONS EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT. ANY INVESTMENT DECISION TO
PURCHASE ANY SECURITIES IN THE CONTEXT OF A PROPOSED OFFERING, IF ANY, SHOULD BE MADE ON THE BASIS OF ANY APPLICABLE FINAL, THE TERMS AND CONDITIONS OF THE SECURITIES AND
THE INFORMATION CONTAINED IN THE APPLICABLE OFFERING CIRCULAR PUBLISHED IN RELATION TO ANY OFFERING AND NOT ON THE BASIS OF THIS DOCUMENT, WHICH DOES NOT CONSTITUTE OR
FORM PART OF AN OFFER OR SOLICITATION OF AN OFFER TO PURCHASE OR SUBSCRIBE FOR ANY SECURITIES IN THE UNITED STATES OR ANYWHERE ELSE.
Without limitation to the foregoing:
•
In the United Kingdom
The content of this document has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000 (as amended, the "FSMA"). Reliance on this document for
the purpose of engaging in any investment activity may expose the individual to a significant risk of losing all of the property or other assets invested.
This document may not be distributed to any persons in contravention of section 21 of the FSMA. Accordingly, the information contained in this communication is made to or directed at solely the
following categories of persons within the United Kingdom:
(a) those persons falling within the definition of Investment Professionals (contained in article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005) ("FPO"); or
(b) any other persons to whom it can lawfully be communicated in accordance with the FPO,
(together, "relevant persons").
This document and the investments to which this communication relates will only be available to relevant persons in the United Kingdom described above and no one falling outside such categories is
entitled to rely on, and they must not act on, any information in this document.
The information contained in this document is provided for information and discussion purposes only and is not, and may not be relied on in any manner as, legal, tax or investment advice.
This document, as well as any subsequent solicitation related to any investment opportunity, does not constitute an offer or solicitation in any jurisdiction in which such an offer or solicitation is not
authorised or in which the person making such an offer or solicitation is not qualified to do so or with respect to any person to whom it is unlawful to make an offer or solicitation. It is the responsibility of
each investor (including an investor outside of the United Kingdom) to satisfy itself as to full compliance with the laws and regulations of the relevant jurisdiction and where in any doubt to seek
appropriate legal advice.
ANZ
4View entire presentation