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The following page contains information about how to invest in Vanguard funds through the BPAY® facility and via direct credit payments.

It is a condition of using the BPAY® facility that you obtain and read the current Product Disclosure Statement (PDS) for the fund into which you are investing prior to making each and every investment in a fund, as the PDS may be updated or replaced between the time you last invested and when you make your next investment. A copy of the most up-to-date PDS (including any supplementary PDS) will be provided free of charge upon request. Alternatively you can download a copy by visiting the Vanguard website at www.vanguard.com.au/offerdocuments or request a copy from institutional services on 1300 655 101.

By accepting, you represent and warrant that you understand the above condition and that you have received the PDS for the relevant fund.

BPAY® is a service and registered trademark of BPAY® Pty Ltd ABN 69 079 137 518

The following pages contain information relating to the Vanguard FTSE Emerging Markets Shares ETF. For regulatory reasons, access to this information is restricted. This information is not intended for persons present in the United States of America. If you accept the below terms and conditions, you represent and warrant that you are not physically present in the United States of America.

The Vanguard FTSE Emerging Markets Shares ETF has not been and will not be registered under the Securities Act or under any relevant securities laws of any state or other jurisdiction of the United States and may not be offered, sold, taken up, exercised, resold, renounced, transferred or delivered, directly or indirectly, within the United States except pursuant to an applicable exemption from the registration requirements of the Securities Act and in compliance with any applicable securities laws of any state or other jurisdiction of the United States. The Vanguard FTSE Emerging Markets Shares ETF has not been approved or disapproved by the SEC, any state securities commission in the United States or any other US regulatory authority, nor have any of the foregoing authorities passed upon or endorsed the merits of the offering of the Vanguard FTSE Emerging Markets Shares ETF or the accuracy or adequacy of this document. Any representation to the contrary is a criminal offence in the United States. Accordingly, Vanguard Investments Australia Limited is not offering the Vanguard FTSE Emerging Markets Shares ETF in the United States and none of these documents constitute or will constitute an offer or an invitation to apply for or an offer or an invitation to acquire any interests in the Vanguard FTSE Emerging Markets Shares ETF in the United States.

The following pages contain information relating to the Vanguard FTSE Europe Shares ETF. For regulatory reasons, access to this information is restricted. This information is not intended for persons present in the United States of America. If you accept the below terms and conditions, you represent and warrant that you are not physically present in the United States of America.

The Vanguard FTSE Europe Shares ETF has not been and will not be registered under the Securities Act or under any relevant securities laws of any state or other jurisdiction of the United States and may not be offered, sold, taken up, exercised, resold, renounced, transferred or delivered, directly or indirectly, within the United States except pursuant to an applicable exemption from the registration requirements of the Securities Act and in compliance with any applicable securities laws of any state or other jurisdiction of the United States. The Vanguard FTSE Europe Shares ETF has not been approved or disapproved by the SEC, any state securities commission in the United States or any other US regulatory authority, nor have any of the foregoing authorities passed upon or endorsed the merits of the offering of the Vanguard FTSE Europe Shares ETF or the accuracy or adequacy of this document. Any representation to the contrary is a criminal offence in the United States. Accordingly, Vanguard Investments Australia Limited is not offering the Vanguard FTSE Europe Shares ETF in the United States and none of these documents constitute or will constitute an offer or an invitation to apply for or an offer or an invitation to acquire any interests in the Vanguard FTSE Europe Shares ETF in the United States.