AMP LIMITED — Annual Report 2011

Mar 28, 2012

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29 March 2012

Manager Company Announcements Office Australian Securities Exchange Level 4, 20 Bridge Street Sydney NSW 2000

Manager Market Information Services Section New Zealand Stock Exchange Level 2, NZX Centre, 11 Cable Street Wellington New Zealand

Announcement No: 08/2012

AMP Limited (ASX/NZX: AMP)

(Also for cross-release to AMP Group Finance Services Limited (ASX: AQNHA & NZX: AQN010)

Part 1: Annual Report 2011

Part 2: Shareholder Review 2011

Part 3: Notice of Annual General Meeting 2012, Proxy Form and Mobile Voting Flyer

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Shareholder Review 2011 A summary of AMP’s 2011 fi nancial results

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In a world of endless possibilities AMP is creating a better tomorrow for our customers, our advisers and our shareholders.

With innovative investment opportunities and quality advice for everyone, we are helping people turn their into realities. possibilities

AMP Limited ABN 49 079 354 519. Unless otherwise specifi ed, all amounts are in Australian dollars. Information in the review is current as at 2 March 2012.

1

[we are] Who

AMP is the leading independent wealth management company in Australia and New Zealand. We help people and organisations build fi nancial security and we’ve been doing this since 1849.

We provide:

• superannuation, retirement income and other investment products for individuals

• superannuation services for businesses

• income protection, disability and life insurance

• selected retail banking products, and

• investments in shares, fi xed income, property, infrastructure and multi-asset funds.

We believe fi nancial security can help people turn their possibilities into realities.

In March 2011, AMP merged with the Australian and New Zealand businesses of AXA Asia Pacifi c Holdings. Together we are helping more people own tomorrow.

2

Our 2011 performance

Net profi t attributable to shareholders of $688 million ▼ 11%

AMP’s net profi t attributable to shareholders in 2011 was $688 million, compared with $775 million in 2010.

Underlying profi t of $909 million ▲ 20% AMP delivered an underlying profi t of $909 million in 2011. This compares with an underlying profi t of $760 million in 2010.

These fi gures include a nine-month contribution from AXA. Underlying profi t is AMP’s preferred measure of profi tability as it removes merger related costs and some of the impact of investment market volatility. It is the earnings base on which the board determines the dividend payment and refl ects the underlying performance of AMP.

The main difference between the two reported numbers comes from the movements in investment markets and costs from the AXA transaction. A reconciliation of Net Profi t and Underlying Profi t can be found on pages 9 and 59 of the AMP Annual Report 2011.

Dividend

Final dividend of 14 cents per share

This brings the total dividend for 2011 to 29 cents per share. The fi nal dividend will be 50 per cent franked and will be paid on 5 April 2012.

The payout ratio for the full 2011 dividend is 84 per cent of the underlying profi t from 2011, which is within AMP’s target payout range of 75–85 per cent of underlying profi t. AMP has set a new target payout range of 70–80 per cent of underlying profi t.

Full year profi t $ million

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2007 2008 2009 2010 2011
Net profi t attributable to shareholders
Underlying profi t
Dividends and payments to shareholders
cents per share
2007 2008 2009 2010 2011
Final dividends 2 cent Cobalt sale
Interim dividends Capital return
985
909
882
810
739 772 775 760
688
580
46
40 40
22
21 4040 16
30 30 29
16 15 14
22 22
14 15 15
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AMP Shareholder Review 2011

Key performance indicators

– – $909m $581m $1.2b

15.1%

Underlying Underlying profi t AMP Financial AMP Capital return on equity increased by 20% Services net external net decreased on 2010. cashfl ows cashfl ows 11.1 percentage This includes were down were down points. a nine-month from infl ows of from infl ows of This refl ects contribution $789m in 2010. $2.6b in 2010. the merger from AXA. with AXA. Net cashfl ows from customers and clients saw the outfl ows in more traditional platforms and products mask good infl ows in new platforms and products.

$215m 52% Value of risk AMP Capital new business funds: increased by 52% met or $107m to exceeded their $215m. benchmark The value of risk in 2011. new business Performance almost doubled was affected in 2011 following by volatile local the merger with and overseas AXA and good markets. The new business target is 75%. growth.

Where our earnings came from

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Wealth management
Financial advice,
superannuation and
investment products 31%
10%
Banking
Home loans and bank 7%
9%
deposit accounts
Insurance 25% 18%
Life insurance,
income protection and
trauma insurance for
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Life insurance, income protection and trauma insurance for Australian customers

Investment management (AMP Capital) Investments in shares, fixed income, property, infrastructure and multi-asset funds

New Zealand

Financial advice, superannuation and insurance products for New Zealand customers

Closed products

Insurance and superannuation products no longer sold by AMP but still managed for our customers

4

Message from the Chairman

“Our 2011 results show a new, stronger, more competitive AMP”

In 2011, your company embarked on a journey that has made the Australian and New Zealand fi nancial services sector more competitive. Our 2011 fi nancial results demonstrate that we are making good progress, showing a new, stronger, more competitive AMP. An AMP that is reaching more customers and clients – in Australia, New Zealand and in targeted overseas markets – with more innovative products and investment capabilities.

We have achieved much of this through our merger with AXA. The combination of our two great companies is creating a strong and unique platform for future growth. The merger itself is progressing well on all our key measures and, very importantly, the company is maintaining its momentum with an expanding adviser force, sales growth and faster than anticipated synergies emerging.

We have taken signifi cant steps to grow your company, while anticipating market, regulatory and demographic change. These investments are yielding results, positioning us well on our journey to build a more competitive company and fi nancial services landscape.

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a payout ratio of 84 per cent of underlying profi t in 2011, which is within our target range of 75 to 85 per cent of underlying profi t. In the future, the target dividend payout range will be 70 to 80 per cent of underlying profi t, to fund business growth.

Your board has a bias to holding more capital rather than less, because of ongoing market volatility and ahead of anticipated changes in regulatory capital requirements. This bias stood us in very good stead in the second half of 2011 given falling investment markets. AMP remains strongly capitalised, with $1.5 billion in surplus capital above minimum regulatory requirements at 31 December 2011.

Conclusion

I believe that our investment in growth and our track record of adapting to change will ensure your company can deliver strong performance for clients and shareholders.

Dividend and capital position

Your board has declared a fi nal 2011 dividend of 14 cents per share, which will be 50 per cent franked. The dividend represents

Peter Mason AM Chairman

AMP Shareholder Review 2011

Message from the Chief Executive Offi cer

“We are building a company that is fi t for the future”

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Our 2011 fi nancial performance shows a new, more competitive AMP emerging. While our net profi t of $688 million was down 11 per cent on 2010, as a result of investment market movements and costs from the AXA merger, our underlying profi t rose. It increased 20 per cent to $909 million, refl ecting the merger with AXA and some good momentum across our key products and channels.

This includes pleasing sales of our contemporary wealth management products, like AMP Flexible Super and North, and of our risk insurance and banking products. We also attracted more than $1 billion in net cashfl ows from investors in Asia.

Challenging markets, however, did negatively impact our results, particularly the revenue earned by the parts of our business most exposed to investment markets.

A new AMP

What we are now building is a new, more competitive AMP with a formidable Australian and New Zealand business and growing investment management opportunities offshore.

As a merged company, we offer a broader range of products, services and investment capabilities and more ways to access them. We operate a range of advice brands, which comprise Australia and New Zealand’s largest and most qualifi ed fi nancial planning network.

Increasingly, international investors are also accessing our leading investment capabilities through our distribution alliances in Asia and Europe.

Integration

What I’ve been most pleased about in 2011 is the integration of the AXA business, which is tracking well. We are delivering on the key integration objectives and delivering the benefi ts of the merger faster than we expected. As we’ve brought the two companies together we have been able to maintain business momentum while also establishing a stronger base for growth.

Conclusion

Ultimately, our goal is to build a stronger, more competitive company that is very well placed to meet the changing needs of more customers and clients, both domestically and in selected offshore markets. We are building a company that is fi t for the future.

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Craig Dunn

6

AMP Financial Services

“We’ve shown real strength in the Australian and New Zealand markets and we’re in a great position to build on this in 2012”

What we do

AMP Financial Services provides customers in Australia and New Zealand with:

• superannuation, retirement income and other investment products for individuals

• superannuation services for businesses and employer-sponsored schemes

• income protection, disability and life insurance, and

• selected banking products.

What we did in 2011

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418,612 87,007 22,960 12,734 65,713 2,893
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418,612	87,007	22,960	12,734	65,713	2,893
Welcomed	Helped	Helped 22,960	Helped 12,734	Helped 65,713	Helped 2,893
418,612 new	87,007 people	retirees start	people enjoy	people protect	grieving
customers	roll over their	the next stage	the thrill of	their families’	families by
	superannuation	in their life	buying a home	future with	paying out
				a new life	life insurance
				insurance	claims
				policy

AMP Shareholder Review 2011

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Craig Meller Managing Director, AMP Financial Services

Operating earnings $ million

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07 08 09 10 11
766
663 637 647 639
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Our progress in 2011

• Provided more ways to reach more Australians and New Zealanders with quality advice and services.

• Expanded our advice network to more than 4,100 planners and advisers across nine brands: AMP Financial Planning, AXA Financial Planning, Charter Financial Planning, Hillross, Genesys, ipac, Tynan Mackenzie, and Spicers and Advice First in New Zealand.

• Tripled the amount of money invested through our low cost retail superannuation product AMP Flexible Super.

• Increased cashfl ows into our market-leading North platform by 72 per cent.

• Maintained good growth in both the AMP and AXA personal insurance products.

• Grew deposits at AMP Bank by 50 per cent.

Our plans for 2012

We are focused on delivering outstanding growth by:

• delivering quality products and services that meet the needs of our customers

• building a professional fi nancial planning force with above market growth and productivity

• capitalising on our broader distribution footprint, and

• continuing to maintain a tight focus on capital and costs.

8

AMP Capital

“We’ve made signifi cant progress in strengthening our investment house”

What we do

AMP Capital is one of Asia Pacifi c’s largest investment managers, managing around $123 billion in funds for investors. Through a team of 240 investment professionals and a carefully selected global network of investment partners, AMP Capital invests in shares, fi xed income, property, infrastructure and multi-asset funds. It also manages property and infrastructure assets.

AMP Capital has established operations in Australia and New Zealand and a growing international presence with offi ces in Bahrain, China, Hong Kong, India, Japan, Luxembourg, Singapore, the United Kingdom and the United States.

What we did in 2011

1.6% 917 $5.6b Managed Visited 917 Paid over around 1.6 companies $5.6 billion per cent of across Australia in distributions the Australian and Asia to investors stock market to further (tax year to understand 30 June 2011) their business

$6b $8.1b $750m Actively Helped Invested managed store owners an additional $6 billion for turn over $750 million infrastructure $8.1 billion in for Japanese investors our shopping customers centres

AMP Shareholder Review 2011

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Stephen Dunne n g Director, p ital

Operating earnings $ million

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07 08 09 10 11
150
136
91 87 83
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Our progress in 2011

• Formed an alliance with Japanese bank, Mitsubishi UFJ Trust and Banking Corporation (MUTB) that signifi cantly increases our access to Japan’s institutional investors and high net worth clients.

• Appointed to manage a new €1 billion infrastructure fund by Ireland’s National Pensions Reserve Fund.

• Received $1.1 billion in investments from Asia.

• Established new investment capabilities in Asian Fixed Income and Asian Quantitative Equities.

• Established a new dynamic asset allocation capability.

Our plans for 2012

We will expand our business domestically and internationally by:

• increasing delivery of outstanding investment outcomes to clients

• partnering with AMP Financial Services to take advantage of our increased distribution capabilities

• further developing alliances in high-growth countries such as Japan, China and India, and

• expanding our domestic and international pension funds client base.

10

The new AMP

We are growing domestically and overseas

Leading

Leading market positions

• No.1 for retail and corporate superannuation in Australia and New Zealand.[1]

• No.1 for risk insurance in Australia and No.2 in New Zealand.[1]

• No.3 KiwiSaver provider.[2]

• Top 10 global infrastructure investor.[3]

Larger

Larger, more diverse customer base

• Now with more than fi ve million retail and 350 institutional clients across Australia and New Zealand.

• Now with 47 institutional clients from Asia, Europe, North America and the Middle East and relationships with seven leading Japanese distributors.

Broader

Broader domestic presence

• Largest, most qualifi ed fi nancial advice network with more than 4,100 fi nancial advisers and more than 1,400 practices.

• 7,000 mortgage brokers selling AMP Bank products.

Growing

Growing international presence

• Growing international footprint through alliance with Mitsubishi UFJ Trust and Banking Corporation, providing access to 80 per cent of Japan’s institutional investors.

• – Now servicing 33 pension fund clients across six countries.

Outstanding

Outstanding products, services and investment capabilities

• Award-winning superannuation, banking and risk products.

• Internationally recognised infrastructure and property capabilities.

• 1 Source: Plan for Life – QDS Retail 30 September 2011. 2 Source: Fund Source Research Limited September 2011.

• 3 Source: Towers Watson Global Alternatives Survey 2011.

AMP Shareholder Review 2011

Our growth strategy

We are positioning the business to succeed in a changing wealth management world

Deliver

Deliver quality services and products that respond to the needs of fast-growing consumer segments

We will continue to improve and extend our products and services so they meet consumer needs for simpler, value for money services and also meet new regulatory requirements. We will continue to develop and refi ne our investment capabilities to deliver outstanding investment outcomes to clients.

Build

Build a professional aligned planner force, with above market growth and productivity

Our strategy is to attract new fi nancial planning practices and train and recruit new fi nancial planners through the Horizons Academy. We will help planners increase their productivity and strengthen the professionalism of our advice network.

Capitalise

Capitalise on a broader, more productive distribution footprint

We will provide more people with fi nancial advice through the largest and most qualifi ed advice network in Australia and New Zealand. We will strengthen our relationships with independent fi nancial advisers, grow our self-managed superannuation fund capability and assist more employers with their superannuation plans. Customers will have increased choice in how they would like to interact with our company.

Pursue

Pursue targeted international expansion of investment management business

Our strategy is to take our investment capabilities into high-growth markets, like Japan, China and India by partnering with prominent local distributors. We will also attract new pension fund clients through our expertise in property, infrastructure and fi xed income assets.

Adapt

Adapt to changing markets through disciplined cost and capital management

The merger with AXA is providing opportunities to remove costs and achieve benefi ts from the increased size of our business. We intend to retain a strong capital position to ensure we have the strength and fl exibility to continue to support business growth.

12

The AMP Limited Board

Further information on the AMP Limited Board of Directors is available at www.amp.com.au and in the AMP Annual Report 2011

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Pete r Mason AM i rman m (Hons), MBA, n .DBus (UNSW), C D

Chairman since September 2005 and Director since 2003, Peter is a member of the People and Remuneration Committee and the Nomination Committee.

Peter has 40 years experience in investment banking and is currently a Senior Advisor to UBS Investment Bank. He is a Director of Singapore Telecommunications, David Jones, the University of New South Wales Foundation, Headspace National Youth Mental Health Foundation and Taylors Wines. He is Chairman of the UBS Australia Foundation and the Centre for International Finance and Regulation and Trustee of the Sydney Opera House Trust.

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Pa tty Akopiantz A , MBA

Craig Dunn Executive Offi cer M anaging Director m , FCA

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m
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Chief Executive Offi cer and Managing Director since January 2008, Craig is a member of the Diversity Advisory Committee and a Director of AMP Life and The National Mutual Life Association of Australasia Limited. Prior to becoming CEO, Craig was Managing Director, AMP Financial Services from 2002–2007. He is an Advisory Board Member with the Australian Government’s Financial Literacy Foundation, a member of the Australian Government’s Financial Services Advisory Committee, a Leaders Forum Member of the Australian Institute for Population Ageing Research, a Panel Member of the Australian Financial Centre Taskforce and an Executive Member of the Australia Japan Business Co-operation Committee.

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Ric k Allert AO A

Director since March 2011, Patty is a member of the People and Remuneration Committee and a Director of AMP Bank.

Patty has over 25 years senior management and consultancy experience, primarily in the retail and consumer industries both in Australia and overseas. She is a Director of Ausgrid and the NSW State Library Foundation and a Member of Chief Executive Women.

Director since March 2011, Rick is a member of the Audit Committee.

Rick has over 40 years of senior business appointments. He is Deputy Chairman of Gerard Lighting Group, Chairman of Western Desert Resources, the Aboriginal Foundation of South Australia and a Director of Genesee & Wyoming, Cavill Power Products and RG & RT Trott and a Member of the Australian Forces Entertainment Board.

AMP Shareholder Review 2011

Cather ine Brenner L B, MBA

Director since June 2010, Catherine is a member of the Diversity Advisory Committee, Chairman of AMP Life and a member of the AMP Life Audit Committee. She is also Chairman of The National Mutual Life Association of Australasia Limited (NMLA) Board and a member of the NMLA Audit Committee.

Catherine is a former Managing Director, Investment Banking at ABN AMRO. She is a Director of Boral and Coca-Cola Amatil, a Trustee of the Sydney Opera House Trust and a Member of the Takeovers Panel and Chief Executive Women.

Paul Fegan A

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Director since August 2009, Paul is Chairman of the Audit Committee and a Director of the AMP Bank Board. Paul has over 30 years experience in the fi nancial services industry. He was Group Managing Director, Strategy and Corporate Services with Telstra and Chief Executive Offi cer and Managing Director of St George Bank.

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Dr Nor a Scheinkestel ons), PhD, FAICD

Director since September 2003, Nora is Chairman of the Nomination Committee and the Diversity Advisory Committee. She is a Director of AMP Bank and AMP Capital Holdings and a member of the Audit Committee of each.

Nora runs a consulting practice assisting government, corporate and institutional clients in areas such as corporate governance and project and structured fi nance. She is a Director of Orica, Pacifi c Brands and Telstra. She is an Associate Professor at the Melbourne Business School at Melbourne University and a Member of the Takeovers Panel.

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Brian C lark
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Director since January 2008, Brian is a member of the Nomination Committee, Diversity Advisory Committee and People and Remuneration Committee. Brian has held a variety of senior roles at telecommunications companies, most recently in the United Kingdom as Group Human Resources Director for Vodafone. He is a Director of Boral.

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John Pa lmer ONZM c , FNZID

Director since July 2007, John is Chairman of the People and Remuneration Committee, a Director of AMP Life and The National Mutual Life Association of Australasia. John has extensive experience as a director and chairman of companies in the agricultural and fi nance sectors. He is Chairman of Air New Zealand and Solid Energy NZ and a Director of Rabobank Australia and Rabobank New Zealand.

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Professo r Peter Shergold AC n s), MA, PhD, FAICD

Director since May 2008, Peter is a member of the Audit Committee and Diversity Advisory Committee. He is a Director of AMP Life and The National Mutual Life Association of Australasia and a member of the Audit Committee of each.

Peter holds the Professorial Chair of the Centre for Social Impact and is Chancellor and Chair of the board of trustees of the University of Western Sydney. Peter is Chairman of QuintessenceLabs, the National Centre for Vocational Education Research, the NSW Public Service Commission Advisory Board and Deputy Chairman of the Sydney Writers’ Festival. He is a Director of Corrs Chambers Westgarth, the General Sir John Monash Foundation and the National Centre for Indigenous Excellence.

14

Board, CEO and executive remuneration

Below, and on the following pages, is information on the remuneration received by members of the AMP Limited Board and management team in 2011. The table below shows the cash and other benefi ts actually received by the management team in 2011. Further information on remuneration can be accessed in the AMP Annual Report 2011 at www.amp.com.au/2011annualreport

CEO and executives

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Actual share
income as
a result
remunerationFixed Cash STI1 Total cash during 2011of vesting remunerationTotal
$’000 $’000 $’000 $’000 $’000
Craig Dunn 2011 1,664 1,344 3,008 – 3,008
Chief Executive Offi cer 2010 1,400 1,960 3,360 – 3,360
and Managing Director
Craig Meller 2011 1,030 798 1,828 – 1,828
Managing Director, 2010 925 1,320 2,245 – 2,245
AMP Financial Services
Stephen Dunne 2011 1,030 863 1,893 – 1,893
Managing Director, 2010 925 925 1,850 – 1,850
AMP Capital
Paul Leaming [2] 2011 1,002 564 1,566 – 1,566
Chief Financial Offi cer 2010 930 840 1,770 – 1,770
Brian Salter 2011 753 450 1,203 – 1,203
General Counsel 2010 707 760 1,467 – 1,467
Lee Barnett 2011 747 465 1,212 1 [3] 1,213
Chief Information Offi cer 2010 693 650 1,343 – 1,343
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AMP Shareholder Review 2011

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Actual share
income as
a result
remunerationFixed Cash STI1 Total cash during 2011of vesting remunerationTotal
$’000 $’000 $’000 $’000 $’000
Paul Sainsbury [4] 2011 650 426 1,076 – 1,076
Integration Director
Matthew Percival 2011 552 345 897 – 897
General Manager, 2010 513 650 1,163 – 1,163
Public Affairs
Fiona Wardlaw 2011 625 390 1,015 – 1,015
General Manager, 2010 580 475 1,055 – 1,055
Human Resources
Jonathan Deane 2011 513 330 843 – 843
Director, 2010 475 425 900 – 900
Group Strategy
Total 2011 8,566 5,975 14,541 1 14,542
Total 2010 7,148 8,005 15,153 32 15,153
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Footnote:

• 1 With effect from 1 January 2011, STI Deferral applies to the management team and other senior leaders such that 40% of their short-term incentive (STI) earned is deferred into rights to AMP Limited shares. The amounts shown represents 60% of the STI earned payable in cash.

• 2 On his retirement (31 December 2011), Paul Leaming was paid $0.5 million in accrued annual leave and long-service leave. This amount is not included above as it did not form part of his 2011 remuneration rather, it was the payment of leave he had accrued throughout his 14 years service at AMP.

• 3 This amount represents the value of matching shares that vested during 2011 as a result of participation in the Employee Share Acquisition Plan (see section 3.4.2 in the AMP Annual Report 2011).

• 4 Paul Sainsbury was appointed as Integration Director on 1 January 2011 but was not a member of the executive team in 2010.

16

Board, CEO and executive remuneration continued

Directors of AMP Limited

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Post-
employment
Short-term benefi ts benefi ts
AMP Limited
Board and Fees for Other Additional Number
committeefees1 other groupboards1 short-termbenefi ts dutiesboard2 annuationSuper- Total of AMPshares
$’000 $’000 $’000 $’000 $’000 $’000 held
Peter Mason 2011 576 – – 100 16 692 474,698
Chairman 2010 550 – – 30 15 595 414,811
Patricia Akopiantz [3] 2011 141 5 4 – 14 164 10,846
2010 – – – – – – 5,116
Richard Allert [3] 2011 143 – 4 15 13 175 67,237
2010 – – – – – – 59,120
Catherine Brenner 2011 172 153 6 55 33 419 38,305
2010 87 102 3 – 17 209 27,634
Brian Clark 2011 198 125 6 – 30 359 43,941
2010 182 123 6 – 28 339 32,482
Paul Fegan 2011 209 50 6 55 27 347 23,487
2010 177 38 6 20 22 263 14,505
Richard Grellman [4] 2011 69 62 2 40 16 189 63,643
2010 205 164 6 20 36 431 58,425
John Palmer 2011 204 109 6 15 29 363 62,238
2010 194 98 6 – 27 325 49,621
Nora Scheinkestel 2011 193 150 6 – 31 380 112,253
2010 190 143 6 – 31 370 96,472
Peter Shergold 2011 192 108 6 30 28 364 32,784
2010 175 85 6 – 24 290 22,031
Total 2011 2,097 762 46 310 237 3,452
Total 2010 1,760 753 39 70 200 2,822
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Footnote:

• 1 Details of the non-executive directors’ committee memberships and directorships of subsidiary boards are provided on pages 12 and 13.

• 2 Relates to additional work performed as part of the AXA transaction.

• 3 The 2010 holdings for Patricia Akopiantz and Richard Allert are as at 30 March 2011, the date they were appointed to the AMP Limited Board.

• 4 In addition to the amounts shown, Richard Grellman received his frozen retirement allowance of $240,340 upon his retirement from the AMP Limited Board on 12 May 2011. The 2011 shareholding is at 9 June 2011 following the non-executive director share plan purchase relating to his May fees.

AMP Shareholder Review 2011

Information for shareholders

Annual General Meeting

AMP’s 2012 Annual General Meeting (AGM) will be held at 10am (AEST) on Thursday 10 May 2012 at the Savoy Ballroom, Grand Hyatt Melbourne, 123 Collins Street, Melbourne, Australia.

The meeting will also be webcast live via the website: www.amp.com.au/agm

Full details of the 2012 AGM are in the Notice of Meeting which can be found at www.amp.com.au/shareholdercentre

Key dates for shareholders in 2012

5 April Payment date for the 2011 fi nal dividend 10 May Annual General Meeting 16 August 2012 half year fi nancial results announced 12 October Payment date for the 2012 interim dividend

The AMP Shareholder Centre website

www.amp.com.au/shareholdercentre

Our website provides you with access to your shareholding and important information about your shares.

On the website you can:

• login to view your latest dividend statement and payment history

• update your bank account and address details

• elect to receive your AMP shareholder communications online

• see the AMP share price on both the ASX and NZX, and

• read the latest news and reports from AMP.

AMP Annual Report 2011

The full AMP Annual Report 2011 can be found at www.amp.com.au/2011annualreport

is committed to actively reducing its impact on the environment and has printed this document on paper derived from certifi ed well managed forests and manufactured by an ISO 14001 certifi ed mill. The document has also been printed at an FSC accredited printer.

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18

Need help?

Contact the AMP Share Registry

Email	ampservices@computershare.com.au
Internet	www.amp.com.au/shareholdercentre
Australia	AMP Share Registry
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	MELBOURNE VIC 8060
	Phone 1300 654 442
	Fax 1300 301 721
New Zealand	AMP Share Registry
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	Victoria Street West
	AUCKLAND 1142
	Phone 0800 448 062
	Fax 09 448 8787
Other countries	AMP Share Registry
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	AUSTRALIA
	Phone +613 9415 4051
	Fax +612 8234 5002
**Registered off ce **	Level 24, 33 Alfred Street
of AMP Limited	Sydney NSW 2000, Australia
	Phone +612 9257 5000 Fax +612 9257 7178

AMP Limited is incorporated and domiciled in Australia. Company Secretary: Darryl Mackay