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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, and/or activities which are illegal and which threaten established traditional rights."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"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 [...] 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."

"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; ..."

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"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; ..."

"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 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 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 suppliers, whether directly or through their supply chain, are therefore required to comply with all applicable laws and in all cases to adhere to the following principles detailed in this code as a condition of doing business with ANZ. [...] Promote an inclusive and respectful workplace whereby race, religion, age, sexual orientation, gender, pregnancy, maternity, and/or disability are no impediment to recruitment and/or ongoing employment. Foster gender balance and greater diversity in the workforce, leadership pipeline and senior executive ranks while ensuring that recruitment and advancement is based wholly on merit"

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"Currently, we commit to conducting social and environmental screening for corporate customers, which includes an assessment of their human rights performance. This screening may result in the need for Public Information 5 remediation of affected stakeholders by the customer, which if required by us is documented and tracked in action plans as part of the customer file. "

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"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 [...] 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."

"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. "

"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. "

"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. "

"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. "

"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. "

"Exclusion zones – ANZ will not knowingly support client activities which impact on the following areas and circumstances; World Heritage Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 Areas7 , 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 Areas11, 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 will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"ANZ will not knowingly support customer activities that significantly impact on culturally or environmentally sensitive areas including World Heritage Areas, wetlands on the Ramsar list, designated national parks and conservation areas, activities that threaten species listed in CITES, the IUCN Red List or relevant national legislation, activities that result in the broad-scale conversion of intact native forests and High Conservation Value Areas, or activities which are in breach of agreed international treaties and agreements."

"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."

"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 [...] 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."