Help 

Frequently Asked Questions 

Your nib shares

What type of securities does nib holdings limited (nib) have on issue?
Ordinary shares.

What stock exchange is nib listed on?
The Australian Securities Exchange (ASX), trading under the code ‘NHF’.

What is Issuer Sponsorship?
Issuer Sponsorship replaced share certificates in 1997. Issuer Sponsorship enables shareholders to hold their securities in 'paperless' form (like the Clearing House Electronic Subregister System (CHESS) of the ASX), but without being tied to a particular broker. However, unlike CHESS, shareholders cannot hold securities in different companies under the one identifying holder number. Your security holder reference number (SRN) typically begins with the letter 'I' (which may look like the numeral '1' in some fonts).

Instead of receiving share certificates, holders receive holding statements (like CHESS) which show all details and movements such as purchases and sales. Statements are issued when you first become an nib shareholder, and are dispatched within five business days of the end of any month in which transactions occur.

One of the important things to remember about Issuer Sponsorship is that your SRN should be treated like a bank account PIN and not be disclosed to third parties (except when authorised by you for a particular purpose - eg. trading, etc.). Please quote your SRN in any correspondence with nib's share registry provider. This will enable nib to correctly identify you and fulfil your requests.

What is Broker Sponsorship?
Broker Sponsorship enables shareholders who are regular traders with a particular broker to have all of their holdings in different companies recorded under one holder identification number (HIN). Your HIN begins with the letter 'X'. It is extremely important that the confidentiality of your HIN is maintained.

Broker sponsored holdings are maintained on ASX's CHESS system. Your broker can explain this to you in more detail.

Another very important thing to know about Broker Sponsorship is that nearly all changes (changes of address, etc.) must be made through your sponsoring broker. This is to ensure that their records about you are completely correct.

How many nib shares do I hold?
You can determine the number of nib shares you hold through the following link.

How can I transfer my nib shares to a family member or other person?
If you wish to transfer your nib shares to another person, and not through selling your shares on the stock exchange (i.e. in an off-market transfer), you will need to complete a transfer of ownership form quoting your SRN. Click here to download a transfer of ownership form.

What happens if the holder dies?
If the nib shareholding is in the sole name of the deceased, the solicitor or representative of the estate should notify nib's share registry provider of the death and whether or not an application for probate is being made. nib will then advise the procedures for dealing with the holding. If the deceased is a joint holder, you should forward a certified copy of the death certificate with a request that the holding be registered in the name of the surviving holder. The request should include the holding's SRN. Click here for nib's contact details.

I sold some of my nib shares during the financial year. Can I have a history of my holding?
To access a history of your holding visit www.nib.com.au/easyupdate or contact Computershare, nib's share registry provider.

I want to sell my nib shares, but my broker needs my SRN/HIN – where do I find this?
Your SRN/HIN is in the top right area of your nib holding statement.

I can’t locate my SRN / HIN. Can you give it to me over the phone or internet?
For security reasons we cannot give you your SRN/HIN over the phone or the internet. However, we can send you a replacement holding statement to your registered address. This statement will contain the number. Please contact Computershare, nib’s share registry provider.

What happens if my SRN or holding statement has been stolen?
Please contact Computershare, nib’s share registry provider, immediately. A lock will be placed on the holding to prevent any unauthorised trading. A new statement will then be issued advising you of your new SRN/HIN.

How do I amalgamate several holdings of nib shares?
a)
For Issuer Sponsored shareholders 

If the names, addresses and banking instructions are identical, and they are Issuer Sponsored, the nib shareholdings can be amalgamated. Simply write, fax or e-mail Computershare (nib’s share registry provider), quoting each SRN and requesting that they be amalgamated.

Where the names, addresses or banking instructions are not identical, please contact Computershare for specific instructions.

b) For Broker Sponsored shareholders 

If one or more of your nib shareholdings is Broker Sponsored, you will need to contact your broker to arrange the amalgamation. Computershare is not permitted to make changes to Broker Sponsored holdings.

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Buying and selling nib shares

What is the E*TRADE online share trading service?
E*TRADE is a convenient, low-cost way to buy and sell nib shares online.

  • It's free to open an account*. Simply apply online.
  • Learn more about the share market through E*TRADE tutorials and free product trials.
  • You can also access more information about share trading through E*TRADE’s the New Investor Website, or by calling the New Investor Hotline.

To buy and sell nib shares, shareholders can open a share trading account with E*TRADE.

To learn more visit nib.com.au/shareholders

Who is E*TRADE Australia?
In 1998, E*TRADE helped pioneer online trading, establishing Australia’s first straight-through online share trade provider.

They have long been at the forefront of online trading and have received numerous industry awards for their online service and innovation.

E*TRADE was awarded Best Innovative Feature in Money magazine’s Best of the Best awards in 2011 for Global Shares and in 2010 for Tax Tools. It also picked up an AFR Smart Investor Blue Ribbon award in 2010 for the Fully Featured Online Broker of the Year.

How do I access the E*TRADE service?
To access the E*TRADE site and open an account to begin trading, visit nib.com.au/shareholders.

For security reasons, you will be asked to provide documentation that verifies your identification. Please visit the website for more details.

Why is nib providing this service?
nib shares are listed on the Australian Securities Exchange (ASX). To buy or sell shares on the ASX, you are required to do so through a registered stockbroker such as E*TRADE. You can also find a list of stockbrokers by visiting the ASX website at www.asx.com.au

nib has established an arrangement^ with E*TRADE Australia to help make trading nib shares easier. Whether it’s buying more shares, selling your existing shares, or keeping track of the value of your holdings, E*TRADE provides a range of solutions to meet your needs.

Do I have to use this service?
No. You do not have to buy additional nib shares or sell your current nib shares. However, if you are interested in buying or selling shares, E*TRADE can help make it easier for you to place trades. You also can buy or sell shares through other stockbrokers. To find a list of stockbrokers visit the ASX website at www.asx.com.au

Who can I contact for more information?
Simply email E*TRADE at service@etrade.com.au or call 1800 786 257. Lines are open Monday to Friday 8am - 8pm AEDT. The E*TRADE Client Service Consultants are always happy to help.

The E*TRADE Online Investing service is provided by ETRADE Australia Securities Ltd (trading as "E*TRADE Australia") (ACN 078 174 973, AFSL No.238277), an ASX and Chi-X Australia Participant. E*TRADE Australia is a subsidiary of ANZ and is a separate entity from ANZ. ANZ does not have any liability to you in respect of any information, product or service offered by E*TRADE Australia. Similarly, E*TRADE Australia does not have any liability to you in respect of ANZ’s activities and services. © 2003 E*TRADE Financial Corporation and E*TRADE Australia. All rights reserved. E*TRADE and the Asterisk Logo are registered trademarks of E*TRADE Financial Corporation or its subsidiaries and are used with permission.

^ nib and its related bodies corporate do not provide you with any financial product advice. nib and its related bodies corporate encourage you to seek your own independent advice before making any financial decisions. nib and its related bodies corporate are each not licensed in Australia to provide financial product advice in relation to shares in nib (or any other type of financial product). You have no cooling off rights in relation to your financial decisions in respect of shares in nib.

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Closure of verifications for unverified policyholders

When did verifications close for eligible policyholders?
Eligible policyholders must have verified their details by Friday 1 October 2010 or they are no longer be eligible for nib shares.

  • For eligible policyholders who verified their details online at nib.com.au/shareholders, verification must be completed by midnight on Friday 1 October 2010
  • For eligible policyholders who verified their details through nib’s shareholder call centre by dialing 1300 664 316, verification must be completed by 7.00pm (AEST) on Friday 1 October 2010 (being when the call centre closes)
  • For eligible policyholders who verified by returning a verification form (or equivalent) in the mail, verification must be completed received by last mail on Friday 1 October 2010

What happens if I didn’t verify my details?
If you verified your details before 1 October 2010, any nib shares you are entitled to will be allocated to you along with any other entitlements such as dividends after deducting applicable tax or expenses. Unclaimed dividends can only be paid when shareholders provide nib’s share registry with their banking details.

If you did not verify your details before this time, you are no longer eligible for nib shares.

Why did nib close verifications for unverified policyholders?

Under the terms of the nib Overseas Policyholders and Unverified Policyholders Trust that holds the shares, on the third anniversary of the company’s listing, 1 October 2010, or as soon as reasonably practical, the Trustee must dispose of all Trust property in such a manner as directed by the nib Board.

The Board has recommended to shareholders the cancellation of the shares held by the Trustee for nil consideration. The Board will seek approval of such a selective capital reduction at nib’s 2010 Annual General Meeting to be held on 26 October 2010.

Has nib attempted to contact the Unverified Policyholders?
Yes. Over the past three years, nib has attempted to contact eligible policyholders on numerous occasions to remind them to verify their details, including by way of written correspondence, placing advertisements in major newspapers, announcements made to the ASX and reminding policyholders when they contact our Customer Care Centre.

Who was eligible for nib shares?
All nib Policyholders at 20 March 2007, who remained a Policyholder until 19 July 2007, the time of the Eligible Policyholders’ Scheme Meeting were eligible to receive nib shares.

Why did I have to verify my details?
To enable you to receive any nib shares allocated to you under the Demutualisation, nib must have verified that your name and address details were correct.

If I verified my details before 1 October 2010, how quickly will I receive my nib shares?
If you verified your details before 1 October 2010, you should allow up to one week for verification to be reflected on nib's share register. A new shareholders pack will be mailed to you detailing your nib shareholding.

Who can I contact for more information?
If you have any questions regarding the verification closure, please contact nib’s share registry on 1300 664 316.

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Unsolicited Offers

nib welcomes ASIC injunction against Hassle Free Shares

nib has welcomed the Federal Court of Australia’s decision to grant an injunction to the Australian Securities and Investment Commission (ASIC) against Hassle Free Share Sales Pty Ltd (Hassle Free Share Sales) following an unsolicited offer to nib shareholders for their shares on 16 December 2010.

What does the injunction mean?

The injunction will prevent Hassle Free Share Sales and its sole director, Suzanne Forster, from making any unsolicited offers to nib shareholders for the next five years.

It will protect nib shareholders from future unsolicited offers from Hassle Free Share Sales which significantly undervalues the market price of nib shares.

The injunction also prevents the registration of any nib shares received by Hassle Free Share Sales as a result of the unsolicited offer made by the company on 16 December 2010.

What if I have already returned an acceptance or transfer form?

Any acceptance or transfer forms that may have been returned by nib shareholders to nib’s share registry, Computershare, in relation to the 16 December 2010 offer will not be processed.

nib shareholders who accepted this offer from Hassle Free Share Sales will retain their nib shares, they will not be sold.

If you have any questions regarding your shareholding please contact nib’s share registry on 1300 664 316.

Does this injunction apply to previous unsolicited offers?

No. The injunction only applies to the unsolicited offer made by Hassle Free Share Sales on 16 December 2010.

Who are Hassle Free Shares?

Hassle Free Share Sales is a company that has previously made unsolicited offers to shareholders of nib and other listed companies.

These offers are not from nib. nib does not endorse any unsolicited offer from this or any other company, and strongly recommends that nib shareholders seek their own independent advice before making a decision whether to accept an unsolicited offer to acquire nib shares.

What kind of offer did Hassle Free Share Sales make for my nib shares?

nib is aware of an offer that Hassle Free Share Sales has made on 16 December 2010 of $0.52 per nib share. This offer is well below nib’s current share price and does not reflect the true value of nib shares.

How did Hassle Free Share Sales get my details?

Hassle Free Share Sales got your details from nib’s share register.

In May 2010 nib provided a copy of its share registry to Hassle Free Share Sales. Prior to recent amendments, under the Corporations Act, nib was required to provide a copy of its share register when requested. The nib share register provided to Hassle Free Share Sales in May 2010 contained each shareholder’s name, address and number of shares held as at that date.

Following recent amendments to the Corporations Act, which commenced on 13 December 2010, it is now an offense for a person to use information from a company register to make an unsolicited off-market offer to purchase securities.

Who can I contact for more information?

nib shareholders are urged to contact nib’s share registry on 1300 664 316 if they have any questions regarding their shareholding.

Recent Changes to the Corporations Act

Recent legislative changes have resulted in reforms to rules regarding access to share registers.

On 13 December 2010, The Corporations Amendment Regulations 2010 (No. 10), which specifies improper purposes and fees for copies of registers came into effect.

This means that from this date:

  • Companies and registered schemes can refuse to provide a copy of their share register where the information is being sought for an improper purpose;
  • A person seeking a copy of the register must make an application, stating their name, address and the purpose for which they seek a copy of the register. A company may deny access to a copy of the register if this information is not provided. It is an offence to make a misleading statement in an application for a copy of a register;
  • It is an offence to use a copy of the register for an improper purpose (unless approved by the company); and;
  • A new fee structure will apply for supplying copies of the register.

What is deemed to be an improper purpose?

The regulations state the following as improper purposes:

  • The solicitation of a donation from a member of a company;
  • The solicitation of a member of a company by a broker;
  • Gathering information about the personal wealth of a member of a company; and
  • Making an unsolicited offer to purchase financial products off-market.

What does this mean for nib shareholders?

If nib receives a request for nib’s share register, we will review the purpose of this request to ensure it is not going to be used for an improper purpose.

As such, your shareholder details will not be distributed to any company for an improper purpose.

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AGM, Results and Dividends

When will the next Annual General Meeting be held?
The 2014 Annual General Meeting will be held on 29 October 2014. More information is available here.

What results has nib announced?

To find out more about nib's financial results visit www.nib.com.au/shareholders

What dividends have been declared on nib ordinary shares?

nib's dividend policy reflects a payout ratio of fully franked dividends between 60-70% of earnings in addition to returning capital by way of dividends, subject to availability of full franking credits.

On 24 February 2014 nib announced an interim dividend of 5.25 cents per share (fully franked). The interim dividend will be paid on 4 April 2014.

Dividends

Dividend Amount Ex Dividend Date Record Date Date Payable % Franked Type Further Information
5.25c 03/03/2014 07/03/2014 04/04/2014 100% Interim 5.25c FRANKED @ 30%
5.0c 05/09/2013 11/09/2013 04/10/2013 100% Final 5.0c FRANKED @ 30%
5.0c 04/03/2013 08/03/2013 05/04/2013 100% Interim 5.0c FRANKED @ 30%
5.0c 03/09/2012 07/09/2012 05/10/2012 100% Final 5.0c FRANKED @ 30%
4.25c 05/03/2012 09/03/2012 05/04/2012 100% Interim 4.25c FRANKED @ 30%
9.0c 30/08/2011 05/09/2011 30/09/2011 100% Final 9.0c FRANKED @ 30%
4.0c 07/03/2011 11/03/2011 08/04/2011 100% Interim 4.0c FRANKED @ 30%
5.0c 30/08/2010 03/09/2010 27/09/2010 100% Final 5.0c FRANKED @ 30%
2.0c 05/03/2010 12/03/2010 08/04/2010 100% Interim 2.0c Franked @ 30%
4.4c 14/09/2009 18/09/2009 09/10/2009 100% Final 4.4c Franked @ 30%
3.0c 04/03/2009 11/03/2009 03/04/2009 100% Interim 3c Franked @ 30%
2.1c 15/09/2008 19/09/2008 10/10/2008 100% Final 2.1c Franked @ 30%

nib has determined that it will pay all dividends to shareholders by direct credit only. Direct credit payment delivers a number of benefits including:

  • immediate cleared funds – you will not have to wait for the funds to clear before accessing your money;
  • improved security of dividend payments – removing the risk that dividend cheques may be lost in the mail or subject to fraud or theft;
  • generates savings that benefit all shareholders.

To allow payments to be made by direct credit you need to provide nib with your direct credit instructions. You can do this by visiting www.nib.com.au/easyupdate or by completing a Direct Credit Request form.

Does nib offer a Dividend Reinvestment Plan (DRP)?
A dividend reinvestment plan or DRP generally allows shareholders the opportunity to reinvest either the whole or part of their dividend into shares in a company. 

It is generally used as a means of preserving capital in a business and typically involves issuing new shares.

nib has no immediate need to retain capital within the business through a DRP and it may dilute shareholder returns.

The Board will consider implementing a DRP in the future, if such a plan would ultimately benefit the business' capital position and our shareholders. We will continue to keep shareholders informed of any future plans for such a program.

In the interim it is worth noting that if shareholders wish to invest their dividends in nib shares, nib has an arrangement with E*TRADE to make trading nib shares easy. For more information click here.

Tax File Number
Under Australian taxation laws, if you are an Australian resident securityholder or subject to Australia’s taxation laws, and you do not provide nib with your TFN, ABN or Exemption code details, tax may be deducted from payments of unfranked dividends at the highest marginal rate plus the Medicare Levy. As such it is important that you provide nib with your details if you do not wish any tax to be withheld from future dividend payments.

To provide your Tax File Number click here.

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Capital Return

What is the Capital Return?
At a General Meeting held on Tuesday 5 July 2011 nib shareholders approved a Capital Return of approximately $75 million (approximately $0.1607 per ordinary share) (“Capital Return”) (“General Meeting”).

These funds will be sourced from nib’s existing cash reserves. The number of shares on issue in nib will not change as a result of the Capital Return.

When will the Capital Return be paid?
The Capital Return will be paid to nib shareholders on 21 July 2011. nib shares will trade “ex” of the Capital Return from 7 July 2011, with the Record Date for determining entitlement to participate in Capital Return set at 7.00pm on 13 July 2011.

How will the Capital Return be paid?
The Capital Return will be paid by direct credit into your nominated bank account. To update your direct credit instructions please click here or phone 1300 664 316.

Are there any tax implications of the Capital Return?
nib applied to the Australian Taxation Office (“ATO”) for a class ruling in relation to the tax treatment of the Capital Return for certain shareholders (“Class Ruling”). The ATO published the Class Ruling on 14 June 2011. The Class Ruling is consistent with the information contained in Part 7 of the nib notice of meeting which was lodged with the ASX on 30 May 2011. The Class Ruling is available on the ATO website and on nib’s website.

The tax consequences for a shareholder with respect to the Capital Return may vary depending upon a shareholder’s individual circumstances. Shareholders should consult their own tax adviser as to the potential tax consequences for them with respect to the Capital Return.

My bank statement is showing a payment from Dulux Group Limited Division, is this to do with my nib shares?
On 21 July 2011, a payment representing a Capital Return of $0.1607 per share, based on the number of nib shares you held on the record date of 13 July 2011 was made into your nominated bank account. The Capital Return was approved by shareholders at the General Meeting on 5 July 2011.

Regrettably during the Capital Return payment process, an error occurred during the transfer of funds to nib shareholders whose nominated account is with a credit union.

As a result, your account statement relating to the Capital Return will have DULUXGROUP LIMITED DIV displayed in the remittance header, instead of NIB HOLDINGS LIMITED.

This incorrect reference does not affect your Capital Return payment. All payments processed by credit unions, including the payment amount are correct. A payment advice statement was recently sent to your registered postal or email address to confirm the correct payment into your account.

The error has not resulted in any breach of your privacy.

nib regrets any inconvenience and confusion caused as a result of this incorrect reference on your credit union records relating to the Capital Return payment. If you have any further questions relating to this matter, or any enquiry relating to your nib shareholding please contact nib’s share registry on 1300 664 316 or visit nib.com.au/shareholders.

Will this affect my Capital Return payment?
This incorrect reference does not affect your Capital Return payment. All payments processed by credit unions, including the payment amount are correct. A payment advice statement was recently sent to your registered postal or email address to confirm the correct payment into your account.

The error has not resulted in any breach of your privacy.

Are all shareholders affected by this payment reference error?
No. Only shareholders who have a nominated account with a credit union have been affected by the payment reference error.

We are contacting all affected shareholders by their registered postal or email address to advise them of the error.

Where can I get more information about my Capital Return payment?
If you have any further questions relating to your Capital Return payment, or any enquiry relating to your nib shareholding please contact nib’s share registry on 1300 664 316 or visit nib.com.au/shareholders.

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Tax Information

What is the cost base of nib shares for Australian Capital Gains Tax (CGT) purposes?
The Australian Taxation Office (ATO) has advised that the cost base of nib shares acquired by nib policyholders through the demutualisation is $0.85 per share. If you acquired your nib shares in another way (i.e. by purchasing them on-market), your cost base should broadly be equal to what you paid for your shares.

Your cost base will be relevant in determining any capital gains tax (CGT) implications that arise with respect to your nib shares.

Has nib engaged in any transaction since the time of demutualisation which may have affected the cost base of your nib shares?
nib returned $0.1607 of capital per nib share to its shareholders on 21 July 2011 (Capital Return). If you continue to hold your nib shares after 21 July 2011, your cost base will be reduced by the amount of capital which was returned to you per share. For example, if you acquired your nib shares through the demutualisation and received the $0.1607 of capital per nib share under the Capital Return, your cost base from 21 July 2011 will be $0.6893 per share.

The ATO has issued Class Ruling 2011/56 which outlines the tax implications for certain nib shareholders with respect to the Capital Return (including the effect on the cost base of nib shares) and may be relied upon by the class of nib shareholders to whom the Class Ruling applies. You should consult with your tax adviser as to the implications which will arise to you with respect Capital Return and the affect it may have on your cost base in your nib shares.

Am I liable to pay CGT on my nib shares?
If you were a nib eligible policyholder who received nib shares and sold them in the sale facility prior to the listing of nib, you would not have made a capital gain or capital loss on your nib shares.

If you were a nib eligible policyholder who received nib shares and did not sell them in the sale facility prior to the listing of nib, you would not have made a capital gain or capital loss at the time your nib shares were issued to you. However, if you dispose of your nib shares, this will constitute a CGT event and you may generate a capital gain or capital loss in connection with that event. You will make a capital gain if the capital proceeds you receive on the disposal of your shares is greater than your cost base as at the time of the CGT event. You will make a capital loss if you capital proceeds are less than your reduced cost base.

If you make a capital gain on disposal of your nib shares and are an individual, trust or complying superannuation fund, you may be eligible for a discount on your capital gain if you held your nib shares for at least 12 months before the time of the CGT event.

What should I do?
The information provided above is general in nature only and should not be relied upon as a complete statement or analysis of the tax laws applicable to the particular circumstances of a nib shareholder. Each nib shareholder is encouraged to consult their own tax adviser regarding the consequences of acquiring, holding or disposing of their nib shares or to contact the ATO. Further information, including a fact sheet regarding the cost base of nib shares can be found at the ATO website www.ato.gov.au.

Should I provide my Tax File Number (TFN) or Australian Business Number (ABN)?
You are not required to quote your TFN or ABN. However, if you choose not to provide your TFN, ABN or exemption category, and you are an Australian resident for taxation purposes, nib is required to deduct tax at the highest tax rate, plus the Medicare levy, from any unfranked portion of your dividend. Collection of TFNs is strictly regulated by taxation laws.

If you wish to quote your TFN or ABN or exemption category please click here.

How do I provide my TFN?
Please click here or by contact nib’s share registry, Computershare on 1300 664 316.

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Change of Name or Address

How do I advise nib's share registry of a change of address?

  • Online by clicking here. You will require your SRN/HIN and Postcode to update your nib shareholding details.
  • Write a letter to nib's share registry provider. The letter MUST include reference to nib holdings limited, your Shareholder Reference Number, your name and old address, your new address, and your signature.

Computershare’s mailing address is:
nib Share Registry
Computershare Investor Services Pty Limited
GPO Box 2975
Melbourne VIC 3001

If your holding is broker sponsored in CHESS you must notify any change of address to your sponsoring broker.

Can I correct the spelling of my name?
To have the spelling of your name corrected you must complete a 'Name Correction Request and Indemnity Form' and send it to the share registry. There can be no change of beneficial interest in making a correction in this manner. If your holding is broker sponsored in CHESS you must ask your broker to make the correction for you. Please click here to contact nib's share registry provider.

Can I have my nib shareholding changed to my married name?
To enable your shares to be registered in your married name, you must write to nib's share registry provider requesting the change, quoting your SRN and enclosing a copy of your marriage certificate. If your holding is broker sponsored in CHESS you must ask your broker to make the change for you. Please click here to contact nib's share registry provider.

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Contact Us

Please direct all general shareholder enquiries to nib on 1300 664 316.

Corporate Head Office
Please direct all general shareholder enquiries to nib on 1300 664 316.

Policyholder and Customer Enquiries
If you would like to make a nib customer or policyholder enquiry, please contact the nib Customer Care Centre on 13 14 63.

Investor Relations and Media Enquiries
Please direct investor relations and media enquiries to nib’s Corporate Affairs:
Phone: +61 2 4914 1777
Email: corporate.affairs@nib.com.au
Fax: +61 2 4925 2224

Share Registry
If you have any queries relating to your nib shareholding please contact Computershare (nib's share registry provider)
Phone: 1300 664 316
Email: nibshareregistry@computershare.com.au
Web: https://www-au.computershare.com
Fax: +61 2 8235 8150
Post: nib holdings
C/- Computershare Investor Services Pty Ltd
GPO Box 2975
Melbourne VIC 3001

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