These publications are published by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (“ANZBGL”) in Australia on its Institutional website. 

If you choose to access these materials, you agree that the Website Terms of Use apply.  These publications are intended as thought-leadership material.  They are not published with the intention of providing any direct or indirect recommendations relating to any financial product, asset class or trading strategy.  The information in these publications is not intended to influence any person to make a decision in relation to a financial product or class of financial products.  It is general in nature and does not take account of the circumstances of any individual or class of individuals.  Nothing in these publications constitutes a recommendation, solicitation or offer by ANZBGL or its branches or subsidiaries (collectively “ANZ”) to you to acquire a product or service, or an offer by ANZ to provide you with other products or services.  All information contained in these publications is based on information available at the time of publication. While the publications have been prepared in good faith, no representation, warranty, assurance or undertaking is or will be made, and no responsibility or liability is or will be accepted by ANZ in relation to the accuracy or completeness of these publications or the use of information contained in these publications.  ANZ does not provide any financial, investment, legal or taxation advice in connection with these publications.

If you are resident or located in the United States of America, you agree that you are not acting on behalf of a natural or individual (including yourself) “U.S. person” (as defined in Regulation S of the U.S. Securities Act of 1933, as amended) and you agree not to transmit or otherwise send any information on this website to any natural or individual person in the USA or to publications with a general circulation in the USA.

If you are resident or located in New Zealand, you are a “wholesale client” under the Financial Advisers Act 2008 (NZ), as amended.

Please confirm that the above statements are correct.