CRT and ANZ have joined together to be able to offer you professional financial solutions through your local CRT store. Combining ANZ and CRT ensures you and your business will receive the most professional advice on a range of rural finance matters. AgStock provides transactional banking services including deposits, withdrawals, visa payments and appointments with visiting staff from ANZ’s Tumut branch.

The establishment of the agency supports ANZ’s commitment to providing customers with greater access to banking services in the Gundagai area. ANZ are committed to delivering a high level of service to the community and becoming the leading bank in regional and rural Australia. AgStock is pleased to be associated with the ANZ Bank to bring our customers greater choice and flexible options.

FMD's are special deposit accounts and savings tools that let you set aside pre-tax income in the good years to establish cash reserves to help meet costs in leaner years. It also is a risk management tool to help deal with uneven income streams due to climate changes and market risks. Subject to conditions, deposits to ANZ FMDs may be deducted from your taxable income in the tax year  the deposit is made. Withdrawals are subject to tax in the tax year that they are made. Any interest received on a deposit is assessed as income in the year that it is earned. Naturally, you should seek independent taxation advice to find out the precise effect on your cash flow, any taxation implications and the appropriate account structure for your specific needs.

ANZ Farm Management Deposit Rates as at 30/06/10

At Call $50,000-$99,999                               Current Rate 4.50% p.a.

Fixed Term $50,000-$99,999 for 12 mths      Current Rate 6.60% p.a.

Off Farm Investing

ANZ offers a number of residential investment loans to help achieve your wealth goals. With such a wide range of options,

are confident that we can assist you to build your own property portfolio and manage it the way you like to. A benefit of

borrowing to invest is that you may be eligible to receive a tax deduction for the interest paid on the loan. Of course the right

investment options for you will depend on your individual circumstances. So we’ll take your personal factors into account and

tailor an investment strategy that will be right for you.

To find out more information and current interest rates go to the ANZ website

www.anz.com

or contact your local ANZ Branch

Cnr Wynyard & Russell Streets, Tumut NSW 2720

Ph: (02) 6947 1633 Fax: (02) 6947 3800

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