Terms and conditions

Signature Priority Banking Koala Family Program

General terms and conditions

The Koala Family Program (the "Program") is only applicable to individual customers of Australia and New Zealand Banking Group Limited, Hong Kong Branch (the "Bank", which expression shall include its successors and assigns).
To participate in the Program and enjoy Program privileges, customers MUST open a Savings Plus Account (the "Account"). Unless specified otherwise, "Customer" as referred to in these terms and conditions is a customer of the Bank, who has successfully opened an Account and deposited the required initial fund of HKD40,000/USD5,000/AUD5,000/CAD5,000/NZD6,500/GBP3,000.
The Bank reserves the right to amend these terms and conditions and/or modify or discontinue any Program privileges at any time without prior notice and reserves the right of final decision in the case of any dispute.
For the specific privileges as set out under the Specific Terms & Conditions, such Privileges will be available to Customers until the mentioned promotion period or until further notice by the Bank.
Should a Customer be in breach of these terms and conditions or any other applicable Bank's general terms and conditions (whether in relation to a deposit account or otherwise), the Bank may at its sole discretion refuse to grant any Program privileges or deduct the equivalent value of any granted Program privileges from the Customer's account with the Bank regardless of whether the Customer has fulfilled the specific conditions of the Program privileges.
The Program privileges outlined in this web page cannot be used in conjunction with any other promotion offer of the Bank.
In the case of any discrepancy between the English and Chinese versions, the English version shall prevail.

Specific terms and conditions

Preferential savings interest rates

A Customer is entitled to an interest on his or her Savings Plus Account balance calculated at a preferential savings interest rates on a tier basis as set out below:

Currency	Account balance	Preferential savings interest rate (p.a.)	Currency	Account balance	Preferential savings interest rate (p.a.)
HKD	HKD40,000 < HKD500,000 >=HKD500,000	0.00% 0.01% 0.02%	USD	USD5,000 < USD65,000 >= USD65,000	0.00% 0.01% 0.02%
AUD	AUD5,000 < AUD65,000 >= AUD65,000	0.00% 0.50% 1.50%	NZD	NZD6,500 < NZD85,000 >= NZD85,000	0.00% 0.30% 1.00%
CAD	CAD5,000 < CAD65,000 >= CAD65,000	0.00% 0.05% 0.10%	GBP	GBP3,000 < GBP40,000 >= GBP40,000	0.00% 0.05% 0.10%

The above preferential savings interest rates are quoted as of 12 March 2012 and are subject to change. The Bank may at its sole discretion adjust such interest rates from time to time with prior notice to Customers.

Investment product privilege

1.50% subscription fee for Mutual Funds Regular Investment Savings Plan ("RISP") (including initial and subsequent contribution):

Applicable to new RISPs only.
Not applicable to B class Mutual Funds. Please contact our staff for Mutual Fund classes.
Minimum contribution per month is HKD1,000 per fund.
The monthly contribution MUST be debited from the customer’s savings account.

Bank charges privilege

For Customers who have maintained a total portfolio balance of HKD1,000,000 or above, the international telegraphic transfer for remittance of funds to overseas via the Account by telegraphic transfer will be waived. For avoidance of doubt,　other bank’s charges applicable to such remittance transaction will continue to apply.

Preferential time deposit interest rate

A Customer is eligible to enjoy a preferential time deposit interest rate if the Customer places a time deposit with the Bank within the Promotion Period with New Funds of at least HKD500,000 (or equivalent).
The preferential time deposit interest rate only applies to the time deposit placed with the required New Funds. It does not apply to any existing time deposits maintained with the Bank and it also does not apply to any subsequent time deposit renewal (including renewal of the time deposit applying such preferential interest rate).
The preferential time deposit interest rate is not applicable to a time deposit set up via online channels.
"New Funds" for preferential time deposit interest rate privilege above refers to funds newly injected by Customers into the Bank and received by the Bank through external means, including by telegraphic transfer (T/T), CHATS, cash deposit or any other bank's cheque deposit/cashier's order. It excludes funds transferred from any other account maintained with the Bank (regardless of whether it is a Private Banking, Commercial Banking and Corporate and Institutional Banking account of the Bank in Hong Kong or elsewhere).
The Preferential Interest Rates quoted in the promotion leaflet are based on the time deposit interest rates offered by the Bank as of 12 March 2012 for a deposit amount of HKD500,000 or above (or equivalent). They are for reference only and are subject to change without notice. Before placing time deposits, please check with our staff for the applicable preferential time deposit interest rates.

Foreign exchange discount

Discount rates for foreign exchange trading of AUD, CAD, USD, NZD and GBP will be offered until 30 June 2012. Detail of discount rates is as follow:

Currency	Discount rate on foreign currencies trading (Basis points)
AUD/USD	8
NZD/USD	8
USD/CAD	8
GPB/USD	10
HKD/USD	30
AUD/HKD	60
NZD/HKD	60
CAD/HKD	60
GBP/HKD	80

To enjoy this offer, the trading of the above foreign currencies must be concluded through Savings Plus Account.

Order must be placed through your Relationship Manager, transactions via internet banking and phone banking are not applicable.

This document does not constitute any offer or solicitation to buy or sell products or securities. Investments are not bank deposits or other obligations of, or guaranteed by ANZ or its subsidiaries or its affiliates, and involve risks, including the possible loss of principal amount invested. Potential investors should refer to the relevant investments' offering documents for detailed information including the risk factors prior to subscription. Investors should not make an investment decision based solely on this document. Investors should seek independent legal/financial/tax advice whenever deemed necessary before entering into investment transactions.