ANZ ONLINE SAVER STATEMENT

STATEMENT NUMBER 12
06 MARCH 2019 TO 06 SEPTEMBER 2019

MISS S A LAWSON
11/62 WESTBURY ST
ST KILDA EAST VIC 3183

WELCOME TO YOUR ANZ ACCOUNT AT A GLANCE

Account Details
Opening Balance:
LAWSON SIMONE ADELE

Branch Number (BSB)

$
281.71
013-427 Total Deposits:

Account Number
$
14,546.15
1932-65741
Total Withdrawals:

$
7,678.93
Closing Balance:

$
7,148.93

NEED TO GET IN TOUCH?

XPRCAP0021-1909070513

ANZ Internet Banking Enquiries: 13 13 14

anz.com Lost/Stolen Cards: 1800 033 844

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. AFSL 234527. Aust. Credit Licence No. 234527.
RTBSP03I_MAIL
 ANZ ONLINE SAVER STATEMENT
Account Number 1932-65741

Transaction Details
Please retain this statement for taxation purposes

Date Transaction Details Withdrawals ($) Deposits ($) Balance ($)

2019 blank blank
06 MAR OPENING BALANCE 281.71
11 MAR ANZ M-BANKING FUNDS TFER 280.00 blank 1.71
TRANSFER 757824 TO 4072209028496042
29 MAR TRANSFER blank 919.21 920.92
FROM SIMONE LAWSON LAWSON SIMONE
29 MAR CREDIT INTEREST PAID blank 0.04 920.96
26 APR TRANSFER blank 914.93 1,835.89
FROM SIMONE LAWSON LAWSON SIMONE
26 APR ANZ M-BANKING FUNDS TFER 100.00 blank 1,735.89
TRANSFER 680312 TO 4072209028496042
26 APR ANZ M-BANKING PAYMENT 608.00 blank 1,127.89
TRANSFER 416513 TO COURTNEY LEARY
29 APR ANZ M-BANKING PAYMENT 590.73 blank 537.16
TRANSFER 385183 TO COURTNEY LEARY
EFFECTIVE DATE 28 APR 2019
30 APR CREDIT INTEREST PAID blank 0.39 537.55
07 MAY ANZ M-BANKING PAYMENT 22.00 blank 515.55
TRANSFER 105079 TO RUTH
08 MAY ANZ M-BANKING FUNDS TFER 60.00 blank 455.55
TRANSFER 188781 TO 4072209028496042
08 MAY ANZ M-BANKING FUNDS TFER 100.00 blank 355.55
TRANSFER 188313 TO 013128471847961
09 MAY TRANSFER blank 1,480.70 1,836.25
FROM SIMONE LAWSON LAWSON SIMONE
09 MAY ANZ M-BANKING FUNDS TFER 200.00 blank 1,636.25
TRANSFER 893039 TO 4072209028496042
13 MAY ANZ M-BANKING FUNDS TFER 1,250.00 blank 386.25
TRANSFER 225043 TO 013128471847961
20 MAY TRANSFER blank 1,833.45 2,219.70
FROM SIMONE LAWSON LAWSON SIMONE
20 MAY ANZ M-BANKING FUNDS TFER 219.70 blank 2,000.00
TRANSFER 938031 TO 4072209028496042
27 MAY ANZ M-BANKING FUNDS TFER 150.00 blank 1,850.00
TRANSFER 405606 TO 013128471847961
27 MAY ANZ M-BANKING FUNDS TFER 200.00 blank 1,650.00
TRANSFER 175914 TO 013128471847961
EFFECTIVE DATE 25 MAY 2019
30 MAY ANZ M-BANKING FUNDS TFER blank 1,350.00 3,000.00
TRANSFER 355187 FROM 471847961
31 MAY CREDIT INTEREST PAID blank 0.49 3,000.49
24 JUN ANZ M-BANKING FUNDS TFER blank 850.00 3,850.49
TRANSFER 509058 FROM 471847961
24 JUN ANZ M-BANKING PAYMENT 846.00 blank 3,004.49
TRANSFER 382214 TO NAOMI ENRIGHT
27 JUN ANZ M-BANKING FUNDS TFER blank 300.00 3,304.49
TRANSFER 518760 FROM 471847961
blank TOTALS AT END OF PAGE $4,626.43 $7,649.21

Page 2 of 4
 ANZ ONLINE SAVER STATEMENT
Account Number 1932-65741

Date Transaction Details Withdrawals ($) Deposits ($) Balance ($)

27 JUN ANZ M-BANKING FUNDS TFER blank 350.00 3,654.49
TRANSFER 742177 FROM 471847961
28 JUN ANZ M-BANKING FUNDS TFER blank 350.00 4,004.49
TRANSFER 477995 FROM 471847961
28 JUN CREDIT INTEREST PAID blank 1.12 4,005.61
01 JUL ANZ M-BANKING FUNDS TFER blank 250.00 4,255.61
TRANSFER 529713 FROM 471847961
EFFECTIVE DATE 30 JUN 2019
01 JUL ANZ M-BANKING FUNDS TFER blank 750.00 5,005.61
TRANSFER 326248 FROM 471847961
11 JUL ANZ M-BANKING FUNDS TFER blank 900.00 5,905.61
TRANSFER 204169 FROM 471847961
23 JUL ANZ MOBILE BANKING PAYMENT 205320 850.00 blank 5,055.61
TO NAOMI ENRIGHT
30 JUL ANZ M-BANKING FUNDS TFER blank 1,750.00 6,805.61
TRANSFER 734958 FROM 471847961
31 JUL CREDIT INTEREST PAID blank 1.00 6,806.61
01 AUG ANZ M-BANKING FUNDS TFER blank 194.00 7,000.61
TRANSFER 341848 FROM 471847961
19 AUG ANZ MOBILE BANKING PAYMENT 886840 75.00 blank 6,925.61
TO RUTH
23 AUG ANZ M-BANKING FUNDS TFER 50.00 blank 6,875.61
TRANSFER 136758 TO 013128471847961
26 AUG ANZ M-BANKING FUNDS TFER 450.00 blank 6,425.61
TRANSFER 067152 TO 013128471847961
EFFECTIVE DATE 25 AUG 2019
26 AUG ANZ MOBILE BANKING PAYMENT 991181 780.00 blank 5,645.61
TO NAOMI ENRIGHT
EFFECTIVE DATE 25 AUG 2019
26 AUG ANZ MOBILE BANKING PAYMENT 662148 847.50 blank 4,798.11
TO NAOMI ENRIGHT
EFFECTIVE DATE 24 AUG 2019
29 AUG ANZ M-BANKING FUNDS TFER blank 1,000.00 5,798.11
TRANSFER 116606 FROM 471847961
30 AUG ANZ M-BANKING FUNDS TFER blank 600.00 6,398.11
TRANSFER 880627 FROM 471847961
30 AUG CREDIT INTEREST PAID blank 0.82 6,398.93
06 SEP ANZ M-BANKING FUNDS TFER blank 750.00 7,148.93
TRANSFER 642970 FROM 471847961
blank TOTALS AT END OF PAGE $3,052.50 $6,896.94
blank Withdrawals ($) Deposits ($) Balance ($)
TOTALS AT END OF PERIOD $7,678.93 $14,546.15 $7,148.93

This Statement Includes

Interest earned on deposits $3.86
XPRCAP0021-1909070513

Page 3 of 4
 ANZ ONLINE SAVER STATEMENT
Account Number 1932-65741

Yearly Summary Previous Year to 30/06/2019 ($)

Interest earned on deposits 2.17

Protecting your privacy

Protecting your privacy is crucial to the way we do business. That’s why we’ve simplified our Privacy Policy to better explain
how we manage and protect your personal information, particularly when providing a product or service to you.

Watch our short video and read our updated Privacy Policy at www.anz.com.au/privacy.

New Profile menu in ANZ Internet Banking

The new Profile menu in ANZ Internet Banking lets you securely manage your contact information and security details. You
can find the new menu in the top right corner of ANZ Internet Banking.

We recommend keeping your contact information up to date, because we may use these details for security purposes (e.g. to
verify transactions), and to send you information about your accounts.

You can also control which ‘Offers & Promotions’ you receive and how you’d like to hear about them. You can select as many
as you like and make changes any time.

Visit www.anz.com.au to explore your Profile today.

IMPORTANT INFORMATION
PLEASE CHECK THE ENTRIES AND CALL 13 13 14 REGARDING ANY ERRORS ON THIS STATEMENT.
All entries generated are subject to authorisation and verification and if necessary, adjustments will appear on a later statement.
If you have a complaint or unresolved issue with ANZ's product or service please call our National Feedback Line 1800 805 154 and advise us.
Further information in relation to ANZ's dispute resolution process and this product (including details of benefits or fees and charges) is available
on request and you can access this information by reviewing the Terms and Conditions, and Fees and Charges brochures which can be found at
www.anz.com or by calling 13 13 14.

Page 4 of 4
IMPORTANT INFORMATION ABOUT YOUR ANZ
CARD AND PASSWORD SECURITY
We are writing to remind you about how to protect your card
and password security and what to do if you have a query
about a disputed transaction on your ANZ card.
ANZ’s Electronic Banking Security Guidelines
Guidelines for your card and password security
Your ANZ card, password, PIN (Personal Identification Number),
Telecode and other usernames or passwords are the key to
accessing your accounts electronically. The security of your
ANZ card, password, PIN, Telecode and other usernames or
passwords is therefore very important.
These guidelines are designed to help you keep your card,
password, PIN, Telecode and other usernames and passwords
secure. By following these guidelines you can assist in
preventing misuse of your ANZ card, password, PIN, Telecode
and other usernames or passwords.
Card security
To help protect your card, you must:
• sign the back of your card immediately on receipt;
• destroy your card on the expiry date by cutting it
diagonally in half (including any embedded microchip on
the card, magnetic strip and card validation code);
• not let anyone else use your card;
• regularly check that you still have your card;
• ensure that you retrieve your card after making a
transaction;
• take reasonable steps to protect your card from loss or
theft; and
• notify ANZ immediately if you become aware that your
card or card account details (for example, the number and
expiry date of your card) has been lost or stolen, or has
been used by someone else.
If you use your eligible cards with your compatible device,
you must:
• not leave your device unattended;
• not allow another person to use your device to make
purchases or payments;
• lock your device when not in use and take all other
reasonable steps necessary to stop unauthorised use of
your device;
• notify ANZ immediately if your device service is suddenly
disconnected without your permission (which may indicate
you have been subject to mobile phone porting); and
• remove your eligible cards from your device prior to
disposing of the device.
Security of your password, PIN, Telecode, Passcode or
other username
To help protect your password, PIN, Telecode, passcode or
other username, you must:
• not disclose your password, PIN, Telecode, passcode or
other username to anyone including a family member or
friend. You may, however, disclose your ANZ Phone Banking
Password (Security Code) to an ANZ officer, or where the
account is a small business account, to an authorised user
• take care to prevent anyone else seeing your password,
PIN, Telecode, passcode or other username being entered
in electronic equipment or hearing you disclose your
Phone Banking Password (Security Code) to an ANZ officer,
or where the account is a small business account, to an
authorised user;
• not enter your password into a web page which has been
accessed by a link from an email, even if the email may
appear to have been sent by ANZ. When accessing ANZ
Internet Banking you should always enter www.anz.com
into your browser using the keyboard of your computer;
• not write or indicate your PIN on your card or device (even
if it is disguised) or keep a record of your PIN (even if it is
disguised) with anything carried with or liable to loss or
theft simultaneously with your card or device;
• try to commit your password, PIN, Telecode, passcode or
other username to memory and not write or indicate your
password, PIN, Telecode, passcode or other username
anywhere without reasonably disguising it;
• not choose a password, PIN, Telecode, passcode or other
username which has an easily retrieved combination (for
example, repeated numbers or letters);
• not choose a password, PIN, Telecode, passcode or other
username that is easily identified with you (for example,
your birth date, car registration, telephone number or your
name or part of it); and
• notify ANZ immediately if you become aware that your
password, PIN, Telecode, passcode or other username
record has been lost or stolen, or become known or used
by someone else.
What is NOT a reasonable attempt to disguise a
password, PIN, Telecode, passcode or other username
If you record your password, PIN, Telecode, passcode or other
username, you must make a reasonable attempt to disguise
it. The following are examples of what is NOT a reasonable
attempt to disguise your password, PIN, Telecode, passcode or
other username:
• recording the password, PIN, Telecode, passcode or other
username in reverse order;
 • recording the password, PIN, Telecode, passcode or other
username as a telephone number where no other numbers
are recorded;
• recording the password, PIN, Telecode, passcode or other
username as a telephone number with the password,
PIN, Telecode, passcode or other username in its correct
sequence;
• recording the password, PIN, Telecode, passcode or other
username among other numbers or letters with any of
them marked to indicate the password, PIN, Telecode,
passcode or other username;
• recording the password, PIN, Telecode, passcode or other
username disguised as a date (including your birth date) or
as an amount; or
• recording the password, PIN, Telecode, passcode or other
username in an easily understood code.
You must not use any other form of disguise that may be easily
discovered by another person.
For general enquiries, contact our ANZ Customer
Service Centre on 13 13 14, 24 hours, 7 days. Hearing
and speech impaired customers can utilise the TTY
service: 1300 366 255. Alternatively, you may wish to
contact us at our ANZ website, www.anz.com
What to do if you need to dispute a
If we’re satisfied after an investigation that you’re entitled to
have the transaction reversed, we’ll credit your account for the
amount originally debited for the transaction. Otherwise, you
will be liable for the transaction.
LOSSES FROM UNAUTHORISED TRANSACTIONS
Liability for losses resulting from unauthorised transactions will
be determined under the ePayments Code.
You may be held liable, or partly liable, for
unauthorized transactions if you contributed to the
loss through:
• fraud;
• failing to comply with an applicable security requirement;
• unreasonably delaying reporting any security breach,
misuse, loss or theft; or
• by leaving your card in an ATM.
VERIFIED BY VISA TRANSACTIONS
It’s only possible to reverse a transaction that’s been
authenticated using Verified by Visa where ANZ is liable, as
explained in your Electronic Banking Conditions of Use.
ANY QUESTIONS?
If you have any questions, please visit anz.com or call us on
13 13 14 for ANZ Access and ANZ Access Visa Debit card.

transaction on your ANZ card

WHAT YOU NEED TO KNOW
ANZ has a process in place to help you with disputed
transactions. This includes transactions which you did not
authorise. Even if you authorised a transaction, you may be
entitled to have a transaction reversed (a “chargeback”) where
you have a dispute with a merchant in some situations. For
example, you may be entitled to reverse a transaction where
the merchant has not provided you with the goods or service
you paid for.

WHAT YOU CAN DO IF THIS HAPPENS

If you believe you’re entitled to have a transaction reversed,
you should let us know immediately.
If you’re disputing a transaction on the basis that you did
not authorise it then you should contact ANZ as promptly as
possible to assist us in investigating this for you.
For other types of disputes, the operating rules for the
applicable card scheme will impose time limits for raising
a dispute. Generally, under the scheme rules ANZ must
lodge a fully detailed claim on your behalf within 120 days.
We recommend that you raise your dispute with us as soon
as possible, so that we have sufficient time to get all of the
information and documents ready to lodge a claim for a
chargeback within the time limit. If you do not notify us of
your disputed transaction and provide us with all necessary
details in time for ANZ to meet this deadline, ANZ may not be
able to assist you in having the disputed transaction reversed.
To make sure this doesn’t happen, it’s important to review your
statements carefully.

anz.com

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit License Number 234527. Item No. 50371 11.2018 W603845
IMPORTANT INFORMATION ABOUT YOUR ANZ
CARD AND PASSWORD SECURITY
We are writing to remind you about how to protect your card
and password security and what to do if you have a query
about a disputed transaction on your ANZ card.
ANZ’s Electronic Banking Security Guidelines
Guidelines for your card and password security
Your ANZ card, password, PIN (Personal Identification Number),
Telecode and other usernames or passwords are the key to
accessing your accounts electronically. The security of your
ANZ card, password, PIN, Telecode and other usernames or
passwords is therefore very important.
These guidelines are designed to help you keep your card,
password, PIN, Telecode and other usernames and passwords
secure. By following these guidelines you can assist in
preventing misuse of your ANZ card, password, PIN, Telecode
and other usernames or passwords.
Card security
To help protect your card, you must:
• sign the back of your card immediately on receipt;
• destroy your card on the expiry date by cutting it
diagonally in half (including any embedded microchip on
the card, magnetic strip and card validation code);
• not let anyone else use your card;
• regularly check that you still have your card;
• ensure that you retrieve your card after making a
transaction;
• take reasonable steps to protect your card from loss or
theft; and
• notify ANZ immediately if you become aware that your
card or card account details (for example, the number and
expiry date of your card) has been lost or stolen, or has
been used by someone else.
If you use your eligible cards with your compatible device,
you must:
• not leave your device unattended;
• not allow another person to use your device to make
purchases or payments;
• lock your device when not in use and take all other
reasonable steps necessary to stop unauthorised use of
your device;
• notify ANZ immediately if your device service is suddenly
disconnected without your permission (which may indicate
you have been subject to mobile phone porting); and
• remove your eligible cards from your device prior to
disposing of the device.
Security of your password, PIN, Telecode, Passcode or
other username
To help protect your password, PIN, Telecode, passcode or
other username, you must:
• not disclose your password, PIN, Telecode, passcode or
other username to anyone including a family member or
friend. You may, however, disclose your ANZ Phone Banking
Password (Security Code) to an ANZ officer, or where the
account is a small business account, to an authorised user
• take care to prevent anyone else seeing your password,
PIN, Telecode, passcode or other username being entered
in electronic equipment or hearing you disclose your
Phone Banking Password (Security Code) to an ANZ officer,
or where the account is a small business account, to an
authorised user;
• not enter your password into a web page which has been
accessed by a link from an email, even if the email may
appear to have been sent by ANZ. When accessing ANZ
Internet Banking you should always enter www.anz.com
into your browser using the keyboard of your computer;
• not write or indicate your PIN on your card or device (even
if it is disguised) or keep a record of your PIN (even if it is
disguised) with anything carried with or liable to loss or
theft simultaneously with your card or device;
• try to commit your password, PIN, Telecode, passcode or
other username to memory and not write or indicate your
password, PIN, Telecode, passcode or other username
anywhere without reasonably disguising it;
• not choose a password, PIN, Telecode, passcode or other
username which has an easily retrieved combination (for
example, repeated numbers or letters);
• not choose a password, PIN, Telecode, passcode or other
username that is easily identified with you (for example,
your birth date, car registration, telephone number or your
name or part of it); and
• notify ANZ immediately if you become aware that your
password, PIN, Telecode, passcode or other username
record has been lost or stolen, or become known or used
by someone else.
What is NOT a reasonable attempt to disguise a
password, PIN, Telecode, passcode or other username
If you record your password, PIN, Telecode, passcode or other
username, you must make a reasonable attempt to disguise
it. The following are examples of what is NOT a reasonable
attempt to disguise your password, PIN, Telecode, passcode or
other username:
• recording the password, PIN, Telecode, passcode or other
username in reverse order;
 • recording the password, PIN, Telecode, passcode or other
username as a telephone number where no other numbers
are recorded;
• recording the password, PIN, Telecode, passcode or other
username as a telephone number with the password,
PIN, Telecode, passcode or other username in its correct
sequence;
• recording the password, PIN, Telecode, passcode or other
username among other numbers or letters with any of
them marked to indicate the password, PIN, Telecode,
passcode or other username;
• recording the password, PIN, Telecode, passcode or other
username disguised as a date (including your birth date) or
as an amount; or
• recording the password, PIN, Telecode, passcode or other
username in an easily understood code.
You must not use any other form of disguise that may be easily
discovered by another person.
For general enquiries, contact our ANZ Customer
Service Centre on 13 13 14, 24 hours, 7 days. Hearing
and speech impaired customers can utilise the TTY
service: 1300 366 255. Alternatively, you may wish to
contact us at our ANZ website, www.anz.com
What to do if you need to dispute a
If we’re satisfied after an investigation that you’re entitled to
have the transaction reversed, we’ll credit your account for the
amount originally debited for the transaction. Otherwise, you
will be liable for the transaction.
LOSSES FROM UNAUTHORISED TRANSACTIONS
Liability for losses resulting from unauthorised transactions will
be determined under the ePayments Code.
You may be held liable, or partly liable, for
unauthorized transactions if you contributed to the
loss through:
• fraud;
• failing to comply with an applicable security requirement;
• unreasonably delaying reporting any security breach,
misuse, loss or theft; or
• by leaving your card in an ATM.
VERIFIED BY VISA TRANSACTIONS
It’s only possible to reverse a transaction that’s been
authenticated using Verified by Visa where ANZ is liable, as
explained in your Electronic Banking Conditions of Use.
ANY QUESTIONS?
If you have any questions, please visit anz.com or call us on
13 13 14 for ANZ Access and ANZ Access Visa Debit card.

transaction on your ANZ card

WHAT YOU NEED TO KNOW
ANZ has a process in place to help you with disputed
transactions. This includes transactions which you did not
authorise. Even if you authorised a transaction, you may be
entitled to have a transaction reversed (a “chargeback”) where
you have a dispute with a merchant in some situations. For
example, you may be entitled to reverse a transaction where
the merchant has not provided you with the goods or service
you paid for.

WHAT YOU CAN DO IF THIS HAPPENS

If you believe you’re entitled to have a transaction reversed,
you should let us know immediately.
If you’re disputing a transaction on the basis that you did
not authorise it then you should contact ANZ as promptly as
possible to assist us in investigating this for you.
For other types of disputes, the operating rules for the
applicable card scheme will impose time limits for raising
a dispute. Generally, under the scheme rules ANZ must
lodge a fully detailed claim on your behalf within 120 days.
We recommend that you raise your dispute with us as soon
as possible, so that we have sufficient time to get all of the
information and documents ready to lodge a claim for a
chargeback within the time limit. If you do not notify us of
your disputed transaction and provide us with all necessary
details in time for ANZ to meet this deadline, ANZ may not be
able to assist you in having the disputed transaction reversed.
To make sure this doesn’t happen, it’s important to review your
statements carefully.

anz.com

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit License Number 234527. Item No. 50371 11.2018 W603845