Investor Presentaiton

Climate Bond Standards Certification Climate Bonds Climate Bond Certified 15 May 2015 Katharine Tapley Director, Low Carbon Solutions Australia and New Zealand Banking Group Ltd. Level 12, 100 Queen St., Melbourne, Victoria, 3000 Australia Dear Katharine Re: Confirmation of approval for request for Climate Bond Standards certification I'm very pleased to inform you that, at its meeting on Tuesday 21 April, the Climate Bond Standards Board approved the certification of the proposed ANZ Climate Bond, as per the application documents and verification report provided by Australia and New Zealand Banking Group Ltd. That certification comes into force once the bond is placed on offer. Members of the Climate Bond Standards Board are: • California State Teachers Retirement Service (CalSTRS) represented by Paul Shantic, Co-Director of Fixed Income. California State Treasurer John Chiang, represented by California State Deputy Treasurer Alan Gordon. CDP (formerly the Carbon Disclosure Project), represented by Chris Fowle. Institutional Investors Group on Climate Change (IIGCC), represented by Eric Borremans. The International Cooperative and Mutual Insurance Federation represented by Shaun Tarbuck. Investor Group on Climate Change represented by Andrew Major of HESTA. Investor Network on Climate Risk, represented by Peter Ellsworth. The Natural Resources Defense Council, represented by Douglas Sims. I also confirm that the text of the Certification Agreement between the Climate Bond Standards Board and Australia and New Zealand Banking Group Ltd. has been agreed. Accordingly I confirm that Australia and New Zealand Banking Group Ltd. may use the "Climate Bond Certified" logo in its information materials about the proposed bond, and we will ensure the bond is identified as a Climate Bond in all listings we manage. Attached for your reference is a guide to usage of the "Certified Climate Bond" logo. Congratulations and best wishes, Searklindy Sean Kidney Chair, Climate Bond Standards Board CEO, Climate Bonds Initiative 72 Muswell Hill Place, London N10 3RR United Kingdom | www.climatebonds.net The Climate Bonds Initiative is a not-for-profit company registered in the United Kingdom Companies House number 7455730 ANZ 9

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