DISCLAIMER - INTENDED ADDRESSEES
Please note that the information contained in the Prospectus may be addressed to and/or targeted at persons who are residents of particular countries (specified in the Prospectus) only and is not intended for use and should not be relied upon by any person outside these countries and/or to whom the offer contained in the Prospectus is not addressed. Prior to relying on the information contained in the Prospectus you must ascertain from the Prospectus whether or not you are part of the intended addressees of the information contained therein.
This publication does not constitute an offer of the covered bonds (the Covered Bonds ) or the guarantees provided by Westpac New Zealand Limited and Westpac NZ Covered Bond Limited (the Guarantees ) for sale in the United States, and is not for distribution in or into the United States. The Covered Bonds and the Guarantees have not been and will not be registered under the United States Securities Act of