Australia & New Zealand Banking Group Ltd.

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"New customers must have a 'No Deforestation, peat, exploitation (NDPE) policy or commit to one within a time-bound period. Existing customers are expected to adopt a NDPE policy within a time-bound period. ANZ also requires independent specialist or verifier statements to provide assurance of performance requirements or certification under RSPO or ISPO. Irrespective of their certification status, all palm oil customers must satisfy a strict assessment prior to credit approval that they are not involved in any deforestation activities and are not involved in any new development on peat, regardless of depth. Group Risk Appetite Statement (RAS) Our Group Risk Appetite states that physical climate risks - of which forests related activities are impacted by - are to be considered and managed as a contributor to credit risk"

"New customers must have a 'No Deforestation, peat, exploitation (NDPE) policy or commit to one within a time-bound period. Existing customers are expected to adopt a NDPE policy within a time-bound period. ANZ also requires independent specialist or verifier statements to provide assurance of performance requirements or certification under RSPO or ISPO. Irrespective of their certification status, all palm oil customers must satisfy a strict assessment prior to credit approval that they are not involved in any deforestation activities and are not involved in any new development on peat, regardless of depth. Group Risk Appetite Statement (RAS) Our Group Risk Appetite states that physical climate risks - of which forests related activities are impacted by - are to be considered and managed as a contributor to credit risk"

"New customers must have a 'No Deforestation, peat, exploitation (NDPE) policy or commit to one within a time-bound period. Existing customers are expected to adopt a NDPE policy within a time-bound period. ANZ also requires independent specialist or verifier statements to provide assurance of performance requirements or certification under RSPO or ISPO. Irrespective of their certification status, all palm oil customers must satisfy a strict assessment prior to credit approval that they are not involved in any deforestation activities and are not involved in any new development on peat, regardless of depth. Group Risk Appetite Statement (RAS) Our Group Risk Appetite states that physical climate risks - of which forests related activities are impacted by - are to be considered and managed as a contributor to credit risk"

"New customers must have a 'No Deforestation, peat, exploitation (NDPE) policy or commit to one within a time-bound period. Existing customers are expected to adopt a NDPE policy within a time-bound period. ANZ also requires independent specialist or verifier statements to provide assurance of performance requirements or certification under RSPO or ISPO. Irrespective of their certification status, all palm oil customers must satisfy a strict assessment prior to credit approval that they are not involved in any deforestation activities and are not involved in any new development on peat, regardless of depth. Group Risk Appetite Statement (RAS) Our Group Risk Appetite states that physical climate risks - of which forests related activities are impacted by - are to be considered and managed as a contributor to credit risk"

"New customers must have a 'No Deforestation, peat, exploitation (NDPE) policy or commit to one within a time-bound period. Existing customers are expected to adopt a NDPE policy within a time-bound period. ANZ also requires independent specialist or verifier statements to provide assurance of performance requirements or certification under RSPO or ISPO. Irrespective of their certification status, all palm oil customers must satisfy a strict assessment prior to credit approval that they are not involved in any deforestation activities and are not involved in any new development on peat, regardless of depth. Group Risk Appetite Statement (RAS) Our Group Risk Appetite states that physical climate risks - of which forests related activities are impacted by - are to be considered and managed as a contributor to credit risk"

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas, activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas, activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."

We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."

We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."

We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."

We have strengthened our Policy in several areas, including: ... - require customers with palm oil operations to have established ‘No Deforestation, development on Peat, Exploitation of people’ (NDPE) policies or commit to a NDPE policy within a time-bound period, and certification of practices under the Roundtable on Sustainable Palm Oil or equivalent standards; ..."

We are committed to working with customers that support social and environmental sustainability in their approach. We recognise that one of the most valuable contributions we can make, is to inform and work with our customers to understand risks and opportunities posed by their operations and to manage their social and environmental impacts. [...] The Policy outlines the social and environmental considerations to be taken into account by our bankers when determining business transactions. It incorporates our Human Rights Standards, including our ‘zero tolerance’ for improper land acquisition and involuntary resettlement, and labour rights issues such as modern slavery." https://www.anz.com.au/about-us/esg-priorities/fair-responsible-banking/responsible-business-lending/

"We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies"

"For project finance and project-related corporate loans , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies"

"For project finance and project-related corporate loans , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies"

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."  

"We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."  

"We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."  

"We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."  

"We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."  

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"ANZ acknowledges the socio-economic value of the forest industries and is committed to supporting businesses in their efforts to meet customer demands for responsibly produced timber and associated products. There is no one globally accepted standard of sustainable forest management yet there is a growing requirement from the users of forest products for greater assurance that timber-based products are sourced from well managed forests. Forest management certification has emerged as a widely accepted assurance process to confirm operating practices are consistent with a recognized forest management standard. "

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas , designated national parks and conservation areas8 , activities that threaten species listed in CITES9 or relevant national legislation, activities that result in the broad-scale conversion of Critical Habitat10 and High Conservation Value Areas, and/or activities which are illegal and which threaten established traditional rights."

"The standards contained in this policy are directly applicable to all ANZ financial products and services that involve material exposures to client activities in forests5 and which potentially impact on biodiversity6 . This includes but is not limited to: native forest management; plantation establishment and management (including palm oil and rubber); timber harvesting and down-stream processing; forest and timber products trading; the conversion of forests to plantations and other land uses; and activities carried out by ANZ clients in forests that have significant impacts on the environment and biodiversity. "

"ANZ requires independent specialist or verifier statements to provide assurance ofperformance requirements or certification. ANZ does not endorse any one certificationscheme but seeks those that demonstrate international good practice."

"Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."

"Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."

"Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."

"Our Forestry and Forests policy provides a framework comparable with internationally recognised certification schemes such as those endorsed under the Programme for Endorsement of Forest Certification (for example the Australian Forest Certification Scheme) and Forest Stewardship Council accredited schemes. ANZ requires independent specialist or verifier statements to provide assurance of performance requirements or certification. ANZ does not endorse any one certification scheme but seeks those that demonstrate international good practice."

 "We will not tolerate land acquisitions by our customers that we consider to be improper, including [...] where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"For project finance and project-related corporate loans1 , ANZ applies the Equator Principles. This includes Principle 5, which requires customers to demonstrate effective stakeholder engagement with affected communities in a structured and culturally appropriate manner. Projects with adverse impacts on indigenous people require their free, prior and informed consent (FPIC), consistent with the special circumstances described in the International Finance Corporation (IFC) Performance Standard [...] We will not tolerate land acquisitions by our customers that we consider to be improper, including those: 1. that are illegal under local laws (such as acquisitions obtained by inappropriate force, or that deny normal or customary access to landholders or land users) 2. where our customers do not follow land acquisition or involuntary resettlement processes in line with international standards, such as the IFC Performance Standards 3. that are subject to the Equator Principles, and where the land acquisition process followed is not consistent with the Equator Principles and IFC Performance Standards, including the right to free, prior and informed consent where it applies."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."

"Our progress in 2019 and focus for 2020 This year we have focused on improving our human rights performance in: • our lending policies, which now require our customers to have grievance mechanisms in place, especially for large infrastructure projects; ..."; "We have strengthened our Policy in several areas, including: - an expectation that customers maintain appropriate grievance mechanisms in line with the United Nations Guiding Principles for Business and Human Rights, especially relevant for large projects, eg. mining or others with significant community impacts (land acquisition for soft commodities such as palm oil and sugar). We will also reflect these expectations in our Human Rights Standards;.."