Progress Saver Account Statement: Welcome To Your Anz Account at A Glance

PROGRESS SAVER ACCOUNT STATEMENT
STATEMENT NUMBER 5
02 NOVEMBER 2018 TO 02 MAY 2019
Account Details
KAHARUDDIN NORLELA BINTI MD AZIZ
Branch Number (BSB)
NORLELA BINTI MD AZIZ KAHARUDDIN 012-712
1/21 ERSKINE RD Account Number
GRIFFITH NSW 2680 2243-78993
WELCOME TO YOUR ANZ ACCOUNT AT A GLANCE

RAINY DAY
Opening Balance:
- Your Target $0.00
$
55.00
Total Deposits:
$
20.13
Total Withdrawals:
0.00
$
Closing Balance:
$
75.13 *Values in the graph represent the closing balance of your account on the last
business day of each month
Do you have a goal worth saving for? Log on to your Internet Banking to set up a recurring payment. Alternatively, you
can call us on 13 13 14, or come in to any ANZ branch to set up a savings plan. Remember to receive bonus interest you
must deposit at least $10 or more and make no withdrawals in a month.
NEED TO GET IN TOUCH?

XPRCAP0021-1905030341
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.
RTBSP06I_MAIL
PROGRESS SAVER ACCOUNT STATEMENT
Account Number 2243-78993
Transaction Details
Please retain this statement for taxation purposes
Date Transaction Details Withdrawals ($) Deposits ($) Balance ($)

2018 blank blank
02 NOV OPENING BALANCE 55.00
2019 ANZ ATM blank
21 JAN GRIFFITH BRANCH GRIFFITH NS 20.00 75.00
31 JAN BONUS CREDIT INTEREST PAID blank 0.13 75.13
blank TOTALS AT END OF PAGE $0.00 $20.13
blank Withdrawals ($) Deposits ($) Balance ($)
TOTALS AT END OF PERIOD $0.00 $20.13 $75.13
This Statement Includes

Interest earned on deposits $0.13
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.
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 2 of 2
NOTIFICATION OF CHANGES
TO FEES AND CHARGES
We’re writing to let you know about changes

to the fees and charges of your ANZ Account
relating to Overseas Transaction Fees. The
description of the Overseas Transaction Fee in
the ANZ Personal Banking Account Fees and
Charges booklet, and ANZ Business Banking
Transaction Account Fees and Charges booklet
is replaced with the following:
Overseas Transaction Fee

ANZ will charge 3% of the value of any International
Transaction charged or credited to your ANZ account.
It may not always be clear to you when use of your ANZ
account is an International Transaction, for example
where the merchant or financial institution processing a
charge or credit is located outside of Australia.
For the purpose of the Overseas Transaction Fee, an
International Transaction is any purchase (including
a purchase of items directly convertible to Australian
currency cash), cash withdrawal or credit (including a
refund or reversal in respect of a purchase) processed to
your ANZ account:
• In a currency other than Australian currency; or
• Where the merchant or financial institution accepting
or processing the transaction, credit, refund or reversal
is outside of Australia; or
• Which is considered by Visa to require conversion
into Australian currency (for example, where the
transaction, credit, refund or reversal is submitted on
behalf of a merchant to a financial institution by an
intermediary that is outside of Australia).
For an International Transaction using an ATM or branch,
the Overseas Transaction Fee is calculated on the value
of the International Transaction and any ATM operator or
branch fee that applies to the International Transaction.
The Overseas Transaction Fee is debited to your ANZ
account at the same time as the debit or credit is
processed to your account.
There is no change to the Overseas ATM Transaction
Fee. The Overseas Transaction Fee does not apply to
ANZ Rewards Travel Adventures credit card accounts.
In the ANZ Business Banking Transaction Account
Fees and Charges booklet, the following paragraph is
being deleted: For using an ATM overseas, the overseas
transaction fee is calculated on the value of the
withdrawal or purchase including any fee charged
by the ATM operator. There is no charge for point of
sale refunds.
For a list of current fees applicable to your ANZ account,
see the ANZ Personal Banking Account Fees and
Charges booklet and ANZ Business Banking Transaction
Account Fees and Charges booklet available at
https://www.anz.com.au
anz.com
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.
Australian Credit Licence Number 234527. Item No. 96092 12.2018 W604244
TO FEES AND CHARGES


your ANZ account:
sale refunds.
anz.com
TO FEES AND CHARGES


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

Progress Saver Account Statement: Welcome To Your Anz Account at A Glance

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PROGRESS SAVER ACCOUNT STATEMENT

WELCOME TO YOUR ANZ ACCOUNT AT A GLANCE

NEED TO GET IN TOUCH?

ANZ Internet Banking Enquiries: 13 13 14

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

This Statement Includes

Protecting your privacy

We’re writing to let you know about changes

Overseas Transaction Fee

We’re writing to let you know about changes

Overseas Transaction Fee

We’re writing to let you know about changes

Overseas Transaction Fee

transaction on your ANZ card

WHAT YOU CAN DO IF THIS HAPPENS

transaction on your ANZ card

WHAT YOU CAN DO IF THIS HAPPENS

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