ANZ said it had reached an agreement with about 20,000 employees in its Australian workforce to extend the Enterprise Agreement 2015-2016 for another year. As part of the agreement, ANZ will pay three per cent salary increases in 2017 for eligible employees, apply a three per cent increase to salary range minimums and maximums; extend a flexi part-time trial in the branch network for 150 employees; and simplify the agreement by ending outdated 'district allowances' that have applied to a limited range of remote locations. The new agreement and will take effect following approval from the Fair Work Commission from 13 October. The Australian Securities and Investments Commission has released guidance for public companies and crowd-funding platform operators to support them in using the new crowd-sourced funding regime, which commences on 29 September 2017. ASIC's "Crowd-sourced funding: Guide for intermediaries" will assist crowd funding platform operators ('intermediaries') seeking to provide a crowd-funding service, particularly as this is a new type of financial service and there are unique gatekeeper obligations for operating platforms for CSF offers. S&P Global Ratings today said that its ratings on Genworth Financial Mortgage Insurance Pty Ltd. (A+/Negative) are unchanged following the extension of Genworth's supply and service contract with National Australia Bank. The contract covers the provision of lenders' mortgage insurance for NAB's broker business until November 20, 2018. "Our base-case scenario assumed that NAB's broker business (10 per cent of gross written premiums in 2016) would be retained by GFMI, and so, our ratings on GFMI remain unchanged. Our negative outlook reflects the continued pressure on GFMI's competitive position and earnings profile," S&P stated in media release.