Australia and New Zealand Banking Group Ltd. — Capital/Financing Update 2007

Nov 14, 2007

Media / ASX Announcement

15 November 2007

New Finance Facilities – ANZ and AssetSecure

The Company is pleased to announce that it has commenced a restructuring of it finance facilities. Agreement has been entered into with the ANZ Bank and AssetSecure to refinance the company’s borrowings, with the first tranche completed and the second tranche expected to be completed in December.

These facilities have replaced the previous CCH receivables funding facility.

The company considers this to be a significant development as it will increase the company’s working capital and will significantly reduce its costs of borrowing in the vicinity of 3% to 4% per annum.

Yours faithfully,

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Leath Nicholson Company Secretary – Bill Express Limited