Customer Charter Our commitment to you ANZ’s commitment to you ANZ is committed to providing you with banking that is simple to understand and delivered in a responsible manner by our people, in accordance with the highest standards of integrity. This Customer Charter sets out the specific service standards you should expect us to meet. It reflects both the products and services that we currently offer and the high standards towards which we aspire. Welcome to ANZ. Accessible and Secure Empowering 01Give you easy and convenient ways to access your money when you need it 05Provide you with quick, friendly and reliable service Continue to enhance internet and mobile phone banking functionality Aim to serve you within 5 minutes in our branches Extend branch hours in our busiest branches Aim to answer your call to our call centre within 60 seconds Provide easy access to telephone banking services Aim to notify you on home loan applications within 4 business days Provide ATM’s in convenient locations 06Solve problems quickly and fairly 02Help you find the right product to meet your needs Aim for first point problem resolution and resolve escalated complaints within 2 business days and a maximum of 5 business days 03Protect your money from fraud with the ANZ fraud money back guarantee Straight Forward 04Provide easy, simple to understand products, with no hidden fees We will provide clear product choices and transparent fees We will write all communication in plain language Let you know who is responsible for resolving your complaint if we expect this to take longer than 2 business days Offer to have your complaint reviewed by our Customer Advocate, if we can’t resolve it to your satisfaction Provide you with information on external financial services dispute resolution if you are not satisfied with the steps taken by ANZ to resolve your complaint ANZ is committed to ensuring our products and services meet your expectations and we value any feedback you have regarding how we are performing. Response Centre will work closely with you to resolve your complaint. We aim to resolve your complaint in two business days and within a maximum of five business days. Our ‘Your Feedback’ brochure provides more detail regarding how to lodge your feedback and our complaints escalation process. ANZ Customer Advocate If you are not satisfied with the resolution offered by our Customer Response Centre, you can have your complaint reviewed by ANZ’s Customer Advocate who provides a free, independent review of your complaint. Making a suggestion Your feedback helps us create a better bank for our customers, staff, shareholders and the community. If you have a suggestion about how we can improve our services, please let us know. Paying a compliment Should you have received exceptional service from one of our staff or found something you particularly liked, please tell us about it. Making a complaint If we make a mistake, or our service doesn’t meet your expectations, we want to know. Here’s how to get in touch with us: Talk to our staff at your local ANZ Branch or Business Centre Call our Customer Response Centre toll free on: 1800 805 154 (8am-7pm AEST weekdays) Lodge your complaint online at anz.com Email: yourfeedback@anz.com Write to: ANZ Customer Response Centre Locked Bag 4050 South Melbourne, VIC 3205 Write to: Level 7 / 833 Collins St Melbourne VIC 3000 Call: +61 3 8654 1000 Email: customeradvocate@anz.com Financial Ombudsman Service If you remain concerned with the outcome of your complaint, you can contact the Financial Ombudsman Service. Please note that before the Financial Ombudsman Service can investigate your complaint, they do require you to have first provided us with the opportunity to address the complaint. Internet: fos.org.au Call: 1300 780 808 Write to: GPO Box 3 Melbourne VIC 3001 For further information on how complaints can be made about specific products or services, please refer to our ‘Your Feedback’ brochure. Most often we will be able to resolve your complaint on the spot. If it cannot be resolved promptly, the specialists in our Customer Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ’s colour blue is a trade mark of ANZ. 54220 12.2010 W214955