From: Adjudication

Sent: Monday, 20 April 2015 3:40 PM

To: 'Grant.Gilham@esanda.com'

Subject: TRIM: Third line forcing notification N98224 lodged by Australia and New Zealand Banking Group Limited t/a Esanda [DLM=Sensitive:Legal]

HP TRIM Record Number: D15/50769

Security Classification: Sensitive: Legal

Dear Mr Fernandez

I refer to the third line forcing notification lodged with the Australian Competition and Consumer Commission (the ACCC) by the Australia and New Zealand Banking Group Limited t/a Esanda on 08 April 2014.  It has been allocated the registration number N98224. The notification and this email will be placed on the ACCC’s public register which is available on the ACCC’s website.

The protection from legal action provided by the notification commences automatically 14 days after the lodgement date, unless the ACCC objects.

On the basis of the information that you have provided, and that the parties will disclose all relevant terms and conditions to customers, the ACCC does not object to the notification at this time.

If at any time circumstances change, or the ACCC receives further information, such that it is satisfied that the public benefits from the third line forcing conduct do not outweigh the public detriments, the ACCC may remove the protection provided by the notification.

Please contact Tess Macrae on (03) 9290 1835 or by email to adjudication@accc.gov.au if you have any questions about this matter.

Regards

Dr Richard Chadwick
General Manager | Adjudication Branch
Australian Competition & Consumer Commission
23 Marcus Clarke Street Canberra 2601 | http://www.accc.gov.au