Investor Presentaiton

ANZ is proposing to issue its first Green Bond Asset Pool Climate Bond Certified • • Future assets will be added and verified for eligibility as new business is written and/or CBI criteria is released for other potential classes (expected for geothermal and transport assets) Disclosure Information on ANZ's Eligible Asset pool will be updated annually on anz.com Post-issuance assurance will be provided by Ernst & Young to verify on-going compliance with CBI standards. Assurance statements will be published on anz.com, commencing circa six months after the initial transaction and on annual anniversary of issue date thereafter Surplus Funds & Non-Contamination . • ANZ expects to maintain a portfolio of Eligible Assets whose aggregate volume exceeds the principal amount of ANZ Green Bonds. However, there can be no assurance (and there is no legal obligation) that that this will be the case nor that ANZ Green Bonds will retain CBI certification for the life of the deal Should ANZ's portfolio of Eligible Assets fall below the principal value of ANZ's outstanding Green Bonds¹ or ANZ Green Bonds lose CBI certification for any reason, this does not constitute an Issuer Event of Default nor does it entitle investors to early repayment of principal or interest Further, CBI may revise its standards subsequent to the Issue Date and ANZ Green Bonds may subsequently no longer comply with the then current CBI Standards 1 Note that if the aggregate volume of ANZ's portfolio of Eligible Assets falls below the principal amount of ANZ Green Bonds, ANZ may, in its absolute discretion, apply the surplus funds to allowable products under the CBI standards - eg. Government securities ANZ, 7

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