Use of ANZ FX Online Dealing to enter into transactions is conditional on you and one or more members of the ANZ Group having entered into a written ANZ FX Online agreement ("Agreement") setting out the terms and conditions governing use of ANZ FX Online services by that User. Where such an Agreement has been entered into, all use of ANZ FX Online services is subject to the terms and conditions of that Agreement.

In New Zealand, ANZ FX Online Dealing is supplied by ANZ National Bank Limited and use of ANZ FX Online Dealing by New Zealand residents is therefore conditional on you having entered into a written Agreement with ANZ National Bank Limited.

In the United Kingdom, the ANZ Group is regulated by the Financial Services Authority for the conduct of investment business in the United Kingdom. In the United Kingdom ANZ FX Online is only available to intermediate customers and market counterparties and is not available to private customers as defined in the Financial Services and Markets Act 2000. Private customers should not rely on any information contained on the ANZ FX Online website.

Where a written Agreement has not been entered into by you, your use of any information, graphics, materials and functionality forming part of ANZ FX Online is governed by the following terms and conditions and the ANZ Website Terms of Use and the ANZ Privacy Statement for the web site operated by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) under the domain name "www.anz.com". You acknowledge and accept that your use of ANZ FX Online indicates your acceptance of the applicable terms and conditions.

If your use of ANZ FX Online does not require a digital certificate, ANZ will give you a password ("ANZ Password") to enable you to use ANZ FX Online. You must not send or disclose your ANZ Password to any other person. You must not keep your ANZ Password in any form, whether encoded or unencoded, in a location where it is capable of being copied or used by any person other than you. You are solely responsible for any loss caused by use of your ANZ Password by you or any other person, including any use not approved or contemplated by you. You must immediately notify ANZ if you know that your ANZ Password has been compromised or become known to a third party, or if you know of any unauthorized use of your ANZ Password. In these circumstances you must immediately change your ANZ Password.

When you are connected to ANZ FX Online, after a period of inactivity you may be automatically disconnected (timed-out) from ANZ FX Online. ANZ is not responsible for any loss of data or other material that may occur as a result of such disconnection.