0001047469-02-008210 Sample Contracts

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Australia & New Zealand Banking Group LTD • December 24th, 2002 • Commercial banks, nec • Victoria

This letter sets out the terms of your employment, and constitutes your employment agreement with ANZ ("employment agreement"). This employment agreement replaces all existing agreements, arrangements, or understandings between you and ANZ. (References to ANZ include any corporation related to ANZ under the Corporations Act 2001.)

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RETIREMENT AGREEMENT DATED 8th February 2002. BETWEEN
Your Retirement Agreement • December 24th, 2002 • Australia & New Zealand Banking Group LTD • Commercial banks, nec

Australia and New Zealand Banking Group Limited A.C.N.005 357 522 (hereinafter called "ANZ") of Level 6, 100 Queen Street, Melbourne in the State of Victoria

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