AGRIBUSINESS. Agribusiness AS DEDICATED AS YOU ARE. As dedicated as you are

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1 AGRIBUSINESS Agribusiness AS DEDICATED AS YOU ARE As dedicated as you are

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3 Whether you re an established farmer or new to the land, it s important to find people who are willing to roll up their sleeves and work with you. Someone who s dedicated to your business, understands your industry and gives you the support, advice and access to the tools you need.

4 A choice of flexible solutions Every season brings new opportunities. Making sure you have the financial flexibility you need to manage the inevitable cycles of prices and seasons is key. From everyday banking to financing machinery for the farm, our solutions can provide you with the versatility you need to help manage your business. Financing your growth When it comes to financing your business or project, we can provide you with the capital and the flexibility you need. Business Finance 1 ANZ All Seasons Facility ANZ Revolving Agri Line ANZ Agri Finance ANZ Business Loan ANZ Commercial Bills ANZ Business Overdraft Page 8 Page 9 Preserving working capital ANZ Asset Finance gives you access to vehicles and equipment without having to pay for them upfront, helping you preserve your working capital. Financing vehicles and equipment 1 Chattel Mortgage Offer to Hire (Hire Purchase) Finance Lease Novated Lease Turn your vision into reality. A good business plan helps you stay on track and reach your goals. Visit thesbhub.com.au for a step-by-step guide to developing an effective business plan today.

5 4 5 Simple everyday banking Make everyday money management easier, with accounts that may help you track and manage your money. Everyday Business Banking 2 ANZ Business Advantage Account ANZ Business Extra Account Access your money anytime, anywhere 3 ANZ Business Visa Debit card Business Credit Cards 1 ANZ Business One Visa Credit card Page 10 Refer to page 18 for important things you need to know. Investing for now or later Even out fluctuating cycles during the year or generate income on surplus cash. Short and long term investments 2 ANZ Business Premium Saver ANZ Business Online Saver ANZ Term Deposit ANZ Farm Management Deposit Account Page 12 Help minimise your risk It s good to know you re protected in an unpredictable world with our comprehensive agri-insurance and risk management products. Tools to help manage and protect your risk 2 Interest Rate Risk Management Commodity Price Risk Management Foreign Exchange Risk Management ANZ Farm Insurance Page 14 Products for all seasons Products for all seasons

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8 Financing your growth Business Finance 1 Start, grow and manage your business with finance that s designed with you in mind. A range of redraw, interest rate options and repayment terms can give you flexibility through the seasons. What you need Solution Benefits Longer term capital funding with seasonal flexibility. ANZ All Seasons Facility Specifically designed for expanding agribusinesses Minimum $1m facility limits (for eligible customers) Fully redrawable at your discretion within approved limit Access a mix of products and interest rates A revolving line of credit suited to your cash flow. ANZ Revolving Agri Line Flexible line of credit linked to a transaction account Ideal for seasonal income Suited to larger established operators - minimum facility limit $250K ANZ Business Visa Debit card 6 A capital boost with flexible repayment and interest rate options. ANZ Agri Finance Choose suitable repayment options with redraw access back to your funds A capital boost with flexible repayment and interest rate options for amounts above $10,000. ANZ Business Loan Choose the repayment options that suit your business Choice of fixed or variable interest Finance to cover major cash needs. ANZ Commercial Bills Highly flexible repayment structures Drawn amount can be adjusted at each rollover Cover working capital requirements for amounts over $2,000. ANZ Business Overdraft A line of credit when you need it Refer to page 18 for important things you need to know.

9 8 9 Financing vehicles and equipment 1 With ANZ Asset Finance you can fund vehicles and agricultural equipment without using your working capital. Our specialists will work with you to find a solution with seasonal repayments to suit your unique cash flows. To find out more, talk to one of our Asset Finance Managers today. What you need Solution Benefits Your agribusiness needs will determine which ANZ Asset Finance solution is most suited to you. Choose from: Chattel Mortgage Offer to Hire (Hire Purchase) Finance Lease Novated Lease Preserve your important working capital Immediate access to vehicles and equipment Tailor repayments to match your cash flow Potential tax benefits may apply 4 Interested in learning more about how vehicle and equipment finance can benefit you? Speak to your Agribusiness Manager to arrange an appointment with an Asset Finance Manager today.

10 Simple everyday banking Everyday Business Banking 2 Keep things simple. Our everyday business accounts give you the flexibility to choose an account that matches your day-to-day transaction levels, including the added convenience of our ANZ Business Visa Debit card. What you need Solution Benefits A simple, low-cost transaction account to cover your essential business banking needs. ANZ Business Advantage Account Unlimited number of ANZ transactions 5 giving you the certainty of knowing how much you ll pay each month. ANZ Business Visa Debit card 6 An everyday transaction account with greater control and a high volume of monthly transactions ANZ Business Extra Account Unlimited number of ANZ transactions 5 High level of control and access ANZ Business Visa Debit card 6 ANZ Internet Banking for Business available at no extra charge Convenient access to your money directly from your ANZ Business Advantage Account, ANZ Business Extra Account or ANZ Revolving Agri Line ANZ Business Visa Debit card 6 Access to your available funds via the Visa network worldwide Added security of ANZ Falcon TM fraud monitoring when you use your card for ATM, EFTPOS, online, over the phone and overseas transactions. No additional card or application fee 5 One simple account that can help manage your cash flow and expenses. ANZ Business One Visa credit card 1 Great range of ANZ Business One Visa credit cards to choose from, including options to earn reward points, extend cash flow, choose a low interest rate or access premium rewards and travel benefits. ANZ Visa paywave, the contactless payment feature. No need to enter a PIN for purchases under $100 at any merchants who have a contactless terminal. Remember to press Credit CR when you use your ANZ Business Visa Debit card for EFTPOS and ATM transactions to activate the Visa Zero Liability policy and protect yourself from any unauthorised transactions made on your card 8. Refer to page 18 for important things you need to know.

11 Convenient access to your money An ANZ Business Visa Debit card provides you with a better way to access your available funds in more places directly from your ANZ Business Advantage, ANZ Business Extra or ANZ Revolving Agri Line, for no additional fee 6. Benefits at a glance Access your available funds (including access to an ANZ Business Overdraft connected to your account) via the Visa network worldwide Transact in more places, online, over the counter, over the phone and overseas, anywhere Visa is accepted at over 29 million locations worldwide Withdraw cash at any ATM that displays the Visa or PLUS symbols 7 Deposit funds via ANZ Internet and Phone Banking, ANZ branches and selected ANZ ATMs Simplify your banking by separating your business and personal expenses with an ANZ Business Visa Debit card for business purposes and an ANZ Access Visa Debit card for personal use Choose from three card colours Enjoy peace of mind knowing all your transactions will be protected by advanced security features including: ANZ Falcon TM, monitoring suspicious transactions Visa Zero Liability, simply press the Credit `CR button when making EFTPOS and ATM transactions and shop with confidence knowing you won t be liable for unauthorised purchases made on your card 8 ANZ Fraud Money Back Guarantee 8 Verified by Visa Provides you with another payment option other than cheque or cash No additional card or application fee 5 ANZ Visa paywave. The new contactless payment feature is more convenient, quick and secure. You don t need to sign or enter a PIN for purchases under $100 at any merchants who have a contactless terminal. Use your compatible iphone or Android phone to tap and pay with your ANZ Business Visa Debit card when you re out and about. 10

12 Investing for now or later Whether it s business finance, investments, or managing risk that you re after, we have a number of specialists that will help you work out what it is you need. Speak to your Agribusiness Manager today.

13 12 13 Short and long term investments 2 Make your cash work hard for you in the off season. Our investment accounts give you the option to manage your cash flow and generate income at the same time. What you need Solution Benefits Full access at a competitive rate ANZ Business Premium Saver Enjoy a great interest rate and full access to your savings at a low cost, with no account keeping fees and up to 5 free transactions per month (excluding ANZ ATMs). A low cost savings account with high interest linked to another ANZ transaction account ANZ Business Online Saver An online savings account with a great interest rate, no fees and instant access to savings A regular income from cash investments from $5,000 without access to your funds. ANZ Term Deposit An investment with no entry fees and a choice of terms from seven days to five years An account that helps you manage uneven cash flow. ANZ Farm Management Deposit Account Earn competitive interest and be eligible for possible tax concessions by depositing pre-tax earnings for future needs 4 Refer to page 18 for important things you need to know.

14 Help minimise your risk Tools to help manage and protect your risk 2 Help protect your assets with farmer-friendly insurance and tools to assist you to develop a risk management strategy that can help to even out the inevitable fluctuations in interest rates, prices and foreign exchange. Things to consider Useful tools Features A choice of loans designed to protect you from adverse interest rate movements. Interest Rate Risk Management 2 Develop a risk management strategy to hedge your exposure to interest rate moves Advice and solutions to hedge your exposure to fluctuations in commodity prices. Commodity Price Risk Management 2 Diagnose your commodity price risk and hedge your exposure Advice and solutions that can help you manage your foreign exchange risk. Foreign Exchange Risk Management 2 Manage your foreign exchange risk 24 hour access to the market 3 Insurance that is primary producer-friendly. ANZ Farm Insurance 9 Comprehensive cover for your farm and assets Choice of monthly or annual payments Refer to page 18 for important things you need to know.

15 Worried about risk? Access one of our ANZ Specialists who can help you develop an appropriate risk management strategy to help minimise risk in your business today

16 When you re ready to talk, we ll listen Find out more Speak to your local Agribusiness Manager today or visit agribusiness.anz.com

17 16 17 Whether it s on the farm, in the office or over the phone, ANZ Agribusiness Managers are ready to talk business. Your Agribusiness Manager will take the time to get to know your business by understanding what s important to you. Here are some of the ways we can assist: Helping you achieve both short and long term goals Helping you identify key business challenges and opportunities for you, your family and your business Managing generational transfer and succession planning Determining the most effective use of your capital

18 Important things you need to know 1 All applications for credit facilities are subject to ANZ s normal credit approval criteria. All ANZ credit products are available subject to meeting our normal credit assessment criteria. Fees and charges apply to our credit products. Full details of relevant term and conditions and fees and charges are available on application or by calling This material does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the terms and conditions and fees and charges for each product which are available by calling or visiting anz.com before considering whether you will acquire or hold the product. 3 Temporary service interruptions may occur. Technical requirements may apply. 4 ANZ recommends that you seek independent tax or financial advice where appropriate. Consult your accountant or tax advisor for further information about possible tax benefits. 5 Additional fees and charges apply to certain services, such as non-anz operator fees, overseas ATM fees and international transactions. 6 Eligibility and terms and conditions apply. Please refer to the ANZ Business Transaction Accounts Terms and Conditions. 7 We recommend you use ANZ ATMs wherever possible to help minimise transaction fees. Fees may apply at non-anz ATMs. 8 You won t be liable for unauthorised transactions on your ANZ Business Visa Debit Card. Terms and conditions apply - please refer to the ANZ Business Transaction Accounts Terms and Conditions for further detail. 9 Any advice is general and does not take into account your objectives, financial situation and needs and you should consider whether it is appropriate for you. ANZ recommends you read the relevant Product Disclosure Statement and Financial Services Guide, available by calling or visiting your local ANZ branch before deciding to acquire or hold a product. ANZ Farm Insurance is issued by QBE Insurance (Australia) Limited ABN AFSL (QBE). In arranging this insurance ANZ is acting under authority given to it by QBE, and in doing so is acting on behalf of QBE and not as your agent. ANZ and its related corporations do not accept any liability in respect of this insurance or guarantee the payment of any claim or benefit. ANZ receives a commission from QBE for arranging this insurance. 10 Mobile payments available on compatible devices and eligible ANZ cards. Terms and conditions apply. Find out more at anz. com/mobilepayments Apple, the Apple logo, iphone and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc. TM ANZ Falcon is a trade mark of Australia and New Zealand Banking Group Limited. Falcon is a trade mark of Fair Isaac Corporation.

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20 Find out more Visit your nearest ANZ branch Call us on Visit anz.com/agri Australia and New Zealand Banking Group Limited (ANZ) ABN AFSL Australian Credit Licence Number Item No W anz.com