Your DCI holdings will be transferred to DBS and renamed as Currency Linked Investment ("CLI"). For certain currency pairs, the currency convention shown on statements or advices may be different from what is used by ANZ. Please be assured that this will not impact the nature, fixing result and/or redemption amount of the product.

For ANZ Signature Priority Banking customers, your holdings will be transferred to a DBS Wealth Management Account or Investment ID Account under investment products accounts (“IPA”). Please refer to FAQ no.2 below for more details.

For ANZ Private Bank clients, your holdings will be transferred to Wealth Management Accounts at DBS Private Bank.

For ANZ Signature Priority Banking customers, your RISP will be transferred to an Investment Fund Account under investment products accounts and renamed as an Investment Fund Savings Plan. For customers with a RISP, a discount of 4% on the prevailing subscription fee will apply and the debit dates will be changed starting from September 2017:

• 8^th of each month (originally the 5th of each month at ANZ); and
• 18^th of each month (originally the 20th of each month at ANZ).

If your RISP original monthly contribution amount is in USD or EUR, your debit amount will be charged in HKD after the Transfer. The equivalent of your monthly contribution amount in HKD will be determined at an exchange rate of USD/HKD: 7.7 and EUR/HKD: 8 and debited from your DBS Multi-Currency Savings Account.

For ANZ Signature Priority Banking customers, your equities holdings will be transferred to a DBS Wealth Management Account (“WMA”) or a Securities Account under investment products accounts ("IPA"). Please refer to FAQ below for more details.

Various channels are available for equities trading:

1. DBS Online Equity Trading platform
   Online access to 7 global stock markets (Hong Kong, United States, Singapore, Canada, Japan, United Kingdom and Australia). Customers are reminded to transfer money to their Multi-Currency Settlement Account during 9:00am-7:00pm on Monday to Friday (except public holidays) for settlement purpose. This service is available to WMA only.
2. DBS iBanking and DBS digibank
   Online and mobile access to local equities trading. Mobile trading is applicable to IPAs only.
3. DBS Phone Banking
   Customers with Securities Account will receive a DBS Phone Banking PIN by post in mid-September 2017 to their current address as registered with ANZ. Before receiving the PIN, you may trade by calling 852 2961 2338 and please be prepared to answer a few questions to facilitate identity verification. This service is applicable to IPAs only.
   
   For customers with WMA, you can perform equity trading by calling DBS at 852 2290 8033.

The above 3 channels are not available for ANZ accounts under CIES. Customers with ANZ accounts under CIES can only perform equity trading by calling DBS at 852 2290 8033.

For ANZ Private Bank clients, your holdings will be transferred to Wealth Management Accounts at DBS Private Bank. You can call your Relationship Manager or Investment Counsellor for order placement.

Please note that for stocks traded in Norway and Sweden, the settlement currency will be in the respective local currency instead of USD as executed at ANZ. Alternatively, you may trade directly using our Online Equity Trading platform ("OET") with access to 7 global stock markets (Hong Kong, United States, Singapore, Canada, Japan, United Kingdom and Australia). Clients are reminded to transfer money to their Multi-Currency Settlement Accounts between 9.00am and 7.00pm, Monday to Friday (except public holidays), for settlement purposes. For details about fees relating to equities, please contact your Relationship Manager.

All investments will be transferred to DBS at the Effective Time. You may view your holdings in the upcoming statement and/or via DBS iBanking and DBS digibank from 9.00am on Monday, 11 September 2017.

For ANZ Signature Priority Banking customers, your holdings will be transferred to a DBS Wealth Management Account (“WMA”) or investment products accounts (“IPA”). Please refer to FAQ below for more details. Please note that for customers with an IPA, phone banking service will be in place for your convenience.

To facilitate settlement, the following settlement accounts will be opened for you:

• Multi-Currency Settlement Account for WMA; and
• Save & Cheque Account and Multi-Currency Savings Account for IPA.

For ANZ Private Bank clients, your holdings will be transferred to a WMA at DBS Private Bank.

If you are an existing DBS customer with IPA and your ANZ holdings are being migrated to IPA:

• ANZ Dual Currency Investment will be transferred to an additional Investment ID Account
• ANZ mutual funds including those resulted from your RISP (as of 8 September, 2017) will be transferred to your existing DBS Investment Funds Account
• Securities held in ANZ will be transferred to your existing DBS Securities Account

Your existing Power of Attorney with ANZ ("POA") will not be applicable to any existing DBS WMA and/or IPA which are already held by you prior to the Transfer.

If you are an existing DBS customer with IPA or WMA and your ANZ holdings are being migrated to another types of account, i.e. WMA or IPA respectively:

• If you have equities holdings in both your Securities Account under IPA and your WMA, a Corporate Action Fee and Custodian Fee will be imposed on holdings in both accounts. You are advised to consolidate all product holdings into a single account. Please contact your Relationship Manager for assistance.