ANZ E*TRADE Online Investing is a co-branded name on the E*TRADE Australia website and Online Investing service under an alliance arrangement between the E*TRADE Australia Group and ANZ.

The ANZ E*TRADE Online Investing service is not provided by ANZ; it is provided by E*TRADE Australia. ANZ do not have any liability to you in respect of:

1. the ANZ E*TRADE Online Investing service,
2. any information, product or service offered by any third party on or through the ANZ E*TRADE Online Investing website, or
3. E*TRADE Australia Group’s and their related corporations, activities and services.

Similarly, the E*TRADE Australia Group and their related corporations do not have any legal liability to you in respect of ANZ’s activities and services. Any financial services provided by ANZ are separate and distinct services.

The information made available on the ANZ E*TRADE Online Investing website has not been prepared on the basis of the investment objectives, financial situation or particular needs of any particular person.

The E*TRADE Australia Group does not provide investment advice. ANZ does not provide investment advice in relation to ANZ E*TRADE or any services made available on or through the ANZ E*TRADE Online Investing website.

Before making an investment decision, it is the responsibility of each user of the ANZ E*TRADE Online Investing service to consider (with or without the assistance of a professional adviser) whether the information available on the ANZ E*TRADE Online Investing website is appropriate to your needs, objectives, circumstances and investment risks. If you are uncertain about your investment decision, you should consult your own professional adviser.

Neither ANZ nor E*TRADE Australia is offering and should not be construed as offering to sell or solicit offers to purchase or subscribe for any investment, nor should be construed as making any recommendations regarding buying or selling any investments. ANZ is not acting as a representative of E*TRADE in providing the ability to effect securities transactions through the ANZ E*TRADE Online Investing website.

Investments made through the ANZ E*TRADE Online Investing service do not represent deposits or other liabilities of ANZ. Investments are subject to investment risk, including possible delays in repayment and the loss of income and capital invested. ANZ does not guarantee the performance of the ANZ E*TRADE Online Investing service. Neither ANZ nor the E*TRADE Australia Group guarantees the return from any investments that are made available through the service and do not incur any liability for those investments.

The E*TRADE and E*TRADE Australia trademarks are owned by E*TRADE Securities, Inc., a wholly owned subsidiary of E*TRADE Group, Inc., and are licensed to E*TRADE Australia. "ANZ", "anz.com" and all associated trademarks are trademarks of Australia and New Zealand Banking Group Limited and are used under licence.

In this disclaimer, E*TRADE Australia means ETRADE Australia Securities Limited (ABN 93 078 174 973), E*TRADE Australia Group means E*TRADE Australia and ETRADE Australia Limited (ABN 12 003 042 082), and ANZ means Australia and New Zealand Banking Group Limited (ABN 11 005 357 522).

To download the ANZ E*TRADE Account Opening Booklet containing the E*TRADE Terms and Conditions, refer to the "Join ANZ E*TRADE" page contained on anz.com.