Investor Presentaiton

ANZ Capital Notes 9 SUMMARY OF OPTIONAL EXCHANGE DATES AND EXCHANGE OPTIONS The diagram below summarises certain events that may occur while the ANZ Capital Notes 9 are on issue, and what Holders may receive if those events occur. The events depend on a number of factors including ANZGHL's share price, the occurrence of contingencies and in some cases election by ANZBGL. As a result the events may not occur. Issue Date Optional Exchange Dates 20 March 2024 20 March 2031 20 June 19 September 20311 2031 7 Years 6 Months If ANZBGL chooses, and certain conditions are met, Notes may be Converted, Redeemed or Resold on these dates 2 Years Mandatory Conversion Date 20 September 2033 Notes will be Converted on this date if the Mandatory Conversion Conditions are satisfied, or the first Distribution Payment Date after this date on which the Mandatory Conversion Conditions are satisfied. There are certain other events that could occur at any time which may result in Notes being Converted, Redeemed, Resold or Written Off 1. As 20 September 2031 is not a Business Day, this date has been brought forward to the preceding Business Day. Potentially perpetual 6

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