ANZ ACCESS ADVANTAGE STATEMENT

STATEMENT NUMBER 39
25 NOVEMBER 2022 TO 27 JANUARY 2023

MISS YING CHAN

33A FLEETWOOD RD
LYNWOOD WA 6147

WELCOME TO YOUR ANZ ACCOUNT AT A GLANCE

Account Details
Opening Balance:
YING CHAN

Branch Number (BSB)

$
6,584.06
016-270 Total Deposits:

Account Number
$
15,314.19
3009-71159
Total Withdrawals:

$
17,188.60
Closing Balance:

$
4,709.65

NEED TO GET IN TOUCH?

XPRCAP0021-2301280354

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.
RTBSP05I_MAIL
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3009-71159

Transaction Details
Please retain this statement for taxation purposes

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

2022 blank blank
25 NOV OPENING BALANCE 6,584.06
28 NOV VISA DEBIT PURCHASE CARD 4060 198.31 blank 6,385.75
TAOBAO.COM MELBOURNE
EFFECTIVE DATE 24 NOV 2022
28 NOV ANZ MOBILE BANKING PAYMENT 074412 700.00 blank 5,685.75
TO YING QI CHAN
EFFECTIVE DATE 27 NOV 2022
28 NOV ANZ MOBILE BANKING PAYMENT 071543 5,600.00 blank 85.75
TO YING QI CHAN
EFFECTIVE DATE 27 NOV 2022
30 NOV ANZ M-BANKING FUNDS TFER blank 25.80 111.55
TRANSFER 832981 FROM 470072818
30 NOV REVERSAL OF ACCOUNT SERVICING FEE blank 5.00 116.55
MINIMUM $2000 IN DEPOSITS RECEIVED
30 NOV ACCOUNT SERVICING FEE 5.00 blank 111.55
01 DEC TRANSFER blank 51.80 163.35
FROM MEDIBANK PRIVATE 450016750938
02 DEC PAY/SALARY blank 58.70 222.05
FROM RLB WA PTY LTD RLB WA PAYMENT
02 DEC VISA DEBIT PURCHASE CARD 4060 15.48 blank 206.57
CHEMIST WAREHOUSE PERTH
EFFECTIVE DATE 29 NOV 2022
02 DEC PAYMENT 20.00 blank 186.57
TO SMARTRIDER #05694616322120110
05 DEC PAYMENT FROM MR GUAN LIN DONG blank 600.00 786.57
RETURN
EFFECTIVE DATE 03 DEC 2022
05 DEC PAYMENT 58.00 blank 728.57
TO LEEMCHIRO 83349135
05 DEC ANZ M-BANKING FUNDS TFER 630.00 blank 98.57
TRANSFER 498801 TO 016494470072818
08 DEC PAYMENT 20.00 blank 78.57
TO SMARTRIDER #05694616322120753
08 DEC PAYMENT 34.99 blank 43.58
TO VODAFONE AUS A1-36928A01B
09 DEC PAYMENT FROM MISS YING QI CHAN blank 300.00 343.58
09 DEC PAYMENT 114.50 blank 229.08
TO MEDIBANK PRIVATE 006281426477
12 DEC EFTPOS 33.36 blank 195.72
KEE HEONG BAK KUT TEH EAST VICTORIAAU
13 DEC VISA DEBIT PURCHASE CARD 4060 155.00 blank 40.72
KIMCHI HOUSE EAST VICTORIA
EFFECTIVE DATE 09 DEC 2022
14 DEC PAYMENT FROM HAOTIAN DENG blank 400.00 440.72
14 DEC PAYMENT FROM YING HUAN CHAN blank 3,000.00 3,440.72
CHERLY
14 DEC PAYMENT 20.00 blank 3,420.72
TO SMARTRIDER #05694616322121311
blank TOTALS AT END OF PAGE $7,604.64 $4,441.30

Page 2 of 7
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3009-71159

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

14 DEC ANZ M-BANKING FUNDS TFER 400.00 blank 3,020.72
TRANSFER 170473 TO 016494470072818
16 DEC PAYMENT 42.10 blank 2,978.62
TO MEDIBANK PRIVATE 006631459144
19 DEC ANZ M-BANKING FUNDS TFER blank 80.00 3,058.62
TRANSFER 016380 FROM 470072818
19 DEC PAYMENT 20.00 blank 3,038.62
TO SMARTRIDER #05694616322121957
19 DEC PAYMENT 58.00 blank 2,980.62
TO LEEMCHIRO 83614917
22 DEC PAY/SALARY blank 4,313.02 7,293.64
FROM RIDER LEVETT BUC RLB WA WAGES
23 DEC EFTPOS 74.40 blank 7,219.24
UNIQLO AUSTRALIA PTY LTD CANNINGTON AU
23 DEC EFTPOS 279.00 blank 6,940.24
UNIQLO AUSTRALIA PTY LTD CANNINGTON AU
23 DEC ANZ MOBILE BANKING PAYMENT 261938 2,000.00 blank 4,940.24
TO YING QI CHAN
23 DEC ANZ M-BANKING FUNDS TFER 2,000.00 blank 2,940.24
TRANSFER 285601 TO 016494470072818
28 DEC PAYMENT FROM HAOTIAN DENG blank 17.00 2,957.24
EFFECTIVE DATE 27 DEC 2022
28 DEC PAYMENT FROM HAOTIAN DENG blank 400.00 3,357.24
EFFECTIVE DATE 26 DEC 2022
28 DEC PAYMENT FROM MR GUAN LIN DONG blank 450.00 3,807.24
RETURN
EFFECTIVE DATE 27 DEC 2022
28 DEC VISA DEBIT PURCHASE CARD 4060 30.00 blank 3,777.24
WOOLWORTHS/100 ST GEORGES PERTH
EFFECTIVE DATE 22 DEC 2022
28 DEC VISA DEBIT PURCHASE CARD 4060 59.42 blank 3,717.82
7-ELEVEN 3074 BENTLEY
EFFECTIVE DATE 23 DEC 2022
28 DEC VISA DEBIT PURCHASE CARD 4060 105.35 blank 3,612.47
NP CAROUSEL SUPE CANNINGTON
EFFECTIVE DATE 23 DEC 2022
28 DEC ANZ M-BANKING FUNDS TFER 400.00 blank 3,212.47
TRANSFER 404997 TO 016494470072818
28 DEC ANZ MOBILE BANKING PAYMENT 405100 3,000.00 blank 212.47
TO YING QI
30 DEC PAYMENT 58.00 blank 154.47
TO LEEMCHIRO 83845371
30 DEC REVERSAL OF ACCOUNT SERVICING FEE blank 5.00 159.47
MINIMUM $2000 IN DEPOSITS RECEIVED
30 DEC ACCOUNT SERVICING FEE 5.00 blank 154.47
2023 blank
09 JAN ANZ M-BANKING FUNDS TFER 18.80 173.27
TRANSFER 696742 FROM 470072818
09 JAN VISA DEBIT DEPOSIT blank 32.13 205.40
GST TOURIST REFUND SYDNEY
EFFECTIVE DATE 05 JAN 2023
blank TOTALS AT END OF PAGE $8,531.27 $5,315.95
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 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3009-71159

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

09 JAN ANZ M-BANKING FUNDS TFER blank 80.00 285.40
TRANSFER 392884 FROM 470072818
EFFECTIVE DATE 08 JAN 2023
09 JAN EFTPOS 28.80 blank 256.60
MINGS BBQ HOUSE\NORTHBRIDGE WA AU
EFFECTIVE DATE 08 JAN 2023
09 JAN PAYMENT 114.50 blank 142.10
TO MEDIBANK PRIVATE 006429871549
10 JAN PAYMENT 20.00 blank 122.10
TO SMARTRIDER #05694616323010957
10 JAN EFTPOS 32.05 blank 90.05
KEE HEONG BAK KUT TEH EAST VICTORIAAU
11 JAN PAYMENT 34.99 blank 55.06
TO VODAFONE AUS A1-36B853045
13 JAN ANZ M-BANKING FUNDS TFER blank 32.00 87.06
TRANSFER 665898 FROM 470072818
13 JAN VISA DEBIT PURCHASE CARD 4060 13.40 blank 73.66
PRESOTEA PERTH PL PERTH
EFFECTIVE DATE 09 JAN 2023
13 JAN VISA DEBIT PURCHASE CARD 4060 15.40 blank 58.26
SQ *BBQ NOODLE HOUSE PERTH
EFFECTIVE DATE 11 JAN 2023
16 JAN VISA DEBIT PURCHASE CARD 4060 33.80 blank 24.46
AGRMASTER PTY LTD PERTH
EFFECTIVE DATE 13 JAN 2023
16 JAN PAYMENT 42.10 blank 17.64DR
TO MEDIBANK PRIVATE 006832595067
16 JAN PAYMENT 58.00 blank 75.64DR
TO LEEMCHIRO 84136869
17 JAN REVERSAL OF PAYMENT blank 42.10 33.54DR
EFFECTIVE DATE 16 JAN 2023
17 JAN REVERSAL OF PAYMENT blank 58.00 24.46
EFFECTIVE DATE 16 JAN 2023
17 JAN PAYMENT FROM MISS YING QI CHAN blank 300.00 324.46
17 JAN DISHONOUR FEE 6.00 blank 318.46
17 JAN DISHONOUR FEE 6.00 blank 312.46
17 JAN PAYMENT 20.00 blank 292.46
TO SMARTRIDER #05694616323011640
18 JAN ANZ M-BANKING FUNDS TFER 10.00 blank 282.46
TRANSFER 447918 TO 016494470072818
19 JAN ANZ M-BANKING FUNDS TFER blank 10.00 292.46
TRANSFER 795823 FROM 470072818
19 JAN ANZ M-BANKING FUNDS TFER blank 82.40 374.86
TRANSFER 796131 FROM 470072818
19 JAN ANZ MOBILE BANKING PAYMENT 796221 126.60 blank 248.26
TO LOW C H
23 JAN PAYMENT FROM HAOTIAN DENG blank 43.85 292.11
23 JAN PAYMENT FROM MINGYANG GE blank 43.85 335.96
23 JAN PAYMENT FROM MISS SAU FONG CINDY CHAN blank 136.25 472.21
blank TOTALS AT END OF PAGE $561.64 $828.45

Page 4 of 7
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3009-71159

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

23 JAN PAYMENT FROM MR GUAN LIN DONG blank 600.00 1,072.21
RETURN
EFFECTIVE DATE 21 JAN 2023
23 JAN ANZ MOBILE BANKING PAYMENT 791666 2.95 blank 1,069.26
TO LOW C H
23 JAN EFTPOS 7.58 blank 1,061.68
SQ *SHOU JAPANESE KITC \GREENWOOD AU
23 JAN PAYMENT 20.00 blank 1,041.68
TO SMARTRIDER #05694616323012040
23 JAN EFTPOS 31.82 blank 1,009.86
SQ *SHOU JAPANESE KITC \GREENWOOD AU
23 JAN ANZ MOBILE BANKING PAYMENT 793712 300.00 blank 709.86
TO YING QI CHAN
24 JAN PAYMENT 42.10 blank 667.76
TO MEDIBANK PRIVATE 006482862052
25 JAN PAY/SALARY blank 4,128.49 4,796.25
FROM RIDER LEVETT BUC RLB WA WAGES
25 JAN VISA DEBIT PURCHASE CARD 4060 69.80 blank 4,726.45
CHIN S NOODLE HOUSE LEEMING
EFFECTIVE DATE 21 JAN 2023
27 JAN VISA DEBIT PURCHASE CARD 4060 16.80 blank 4,709.65
SANI & IS PTY LTD PERTH
EFFECTIVE DATE 23 JAN 2023
blank TOTALS AT END OF PAGE $491.05 $4,728.49
blank Withdrawals ($) Deposits ($) Balance ($)
TOTALS AT END OF PERIOD $17,188.60 $15,314.19 $4,709.65

This Statement Includes

ANZ bank charges $12.00

Fee Summary
Fees Charged for period: 01 NOV 2022 to 30 NOV 2022
Summary of ANZ Transaction Fees Transactions Fee Per Amount Total
Total Free Additional Transaction Waived Charge
($) ($) ($)
SERVICE FEES
MONTHLY ACCOUNT SERVICE FEE 5.00 0.00
Total Account Service Fees $0.00
Total Bank Account Fees Charged $0.00
Please note: Overseas transaction fees, overseas ATM fees and non ANZ ATM operator fees not included
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Page 5 of 7
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3009-71159

Fees Charged for period: 01 DEC 2022 to 30 DEC 2022

Summary of ANZ Transaction Fees Transactions Fee Per Amount Total
Total Free Additional Transaction Waived Charge
($) ($) ($)
SERVICE FEES
MONTHLY ACCOUNT SERVICE FEE 5.00 0.00
Total Account Service Fees $0.00
Total Bank Account Fees Charged $0.00
Please note: Overseas transaction fees, overseas ATM fees and non ANZ ATM operator fees not included

Please note: Your fee cycle may not always reconcile with your statement cycle. This statement date ends on 27/01/23 and the monthly fee cycle, as
appears above, ended on 30/12/22.

ANZ Fee Saving Tip

Use Internet Banking to view your bills electronically with BPAY ViewTM.
Go to the ‘View Bills’ option in Internet Banking to register. You can also pay bills directly from your account using BPAY®.

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518

TMBPAY View is registered to BPAY Pty Ltd ABN 69 079 137 518

Page 6 of 7
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3009-71159

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.
Further information in relation to 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 anz.com or by calling
13 13 14.
If you have a complaint about an ANZ product or service, please contact us and we will try to resolve the issue as quickly as possible. Our
customer complaints guide is available at https://www.anz.com.au/support/contact-us/compliments-suggestions-complaints/, alternatively
you may wish to:

Call · General enquiries 13 13 14 Write ANZ Complaint Resolution Team Visit At your nearest ANZ branch.
us: · If you’re overseas +61 3 9683 9999 to us: Locked Bag 4050, us: If you have a Relationship Manager,
· ANZ Complaint Resolution Team on South Melbourne VIC 3205 please feel free to contact them.
1800 805 154 or ANZ online complaints form:
· If you’re deaf, hard of hearing and/or https://www.anz.com.au/support/contact-us/compliments-suggestions-complaints/feedback/
have a speech impairment, call
133 677 or visit the National Relay
Service at:
https://nrschat.nrscall.gov.au/nrs/
internetrelay

If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA).
AFCA provides fair and independent financial services complaint resolution that is free to consumers.

Call: 1800 931 678 (free call within Australia), Write Australian Financial Complaints Authority Limited
or +61 1800 931 678 (International) to: GPO Box 3,
Online: Email: [email protected] Melbourne VIC 3001
Web: www.afca.org.au

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Page 7 of 7
IMPORTANT INFORMATION ABOUT
YOUR ANZ CARD AND PASSWORD
SECURITY FOR RETAIL CUSTOMERS

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 accounts, cards, password, PIN, Telecode, and
other user names or passwords.
Liability for losses resulting from unauthorised transactions will
be determined under the ePayments Code and not under these
guidelines. For further details please see the ANZ Electronic Banking
Conditions of Use, contained in your ANZ Product Disclosure
Statement or product terms and conditions as applicable.
You may be held liable or partly liable for unauthorized transactions
if you contributed to the loss through fraud or a breach of the
passcode security requirements set out in these guidelines, if you
unreasonably delay reporting a security breach (such as losing your
card or someone gaining access to your PIN or passwords) or where
an unauthorized transaction occurs because your card was left in
an ATM.
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.
If you have allowed another person’s biometric information to be
registered on your device, they may be able to use their biometric
information to make a transaction and you may be taken to have
authorised the person to transact on your card using your digital wallet.

Passcode security requirements

These requirements help to protect your personal identification
numbers (PIN) or other passwords, Telecode or usernames
(‘passcodes’). You may be held liable or partly liable for
unauthorized transactions if you contribute to a loss through a
breach of these requirements.
To help protect your PIN and passcodes, you must not:
• voluntarily disclose any of your PIN or passcodes 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;
• write or record your PIN or passcodes on your card, or on any
other device given to you by ANZ that is used to perform
transactions (‘device’) without making a reasonable attempt to
protect it;
• keep a record of your PIN or passcodes with anything carried
with, or liable to loss or theft simultaneously with, your card or
device without making a reasonable attempt to protect it;
• keep a written record of your PIN or passcodes without making
a reasonable attempt to protect it;
• choose a PIN or passcode that represents your birth date or a
recognisable part of your name;
You must also notify ANZ immediately if you become aware that
your card or device has been misused, lost or stolen, or that the
security of your PIN or passcode has been breached.
A reasonable attempt to protect the security of a PIN or passcode
record includes:
• disguising your PIN or passcode among other records;
• hiding or disguising the PIN or passcode in a place where it
would not be expected to be found;
• keeping a record of the PIN or passcode in a securely locked
container; or
• preventing unauthorised access to an electronic record of the
PIN or passcode (for example, by password protecting it).

Other recommendations
We recommend you also consider the following steps to help keep
your PIN or other passcodes safe:
• never enter your PIN or passcode into a web page which has
been accessed by a link from an email, even if the email appears
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;
• take care to prevent anyone else seeing your PIN or passcode
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;
• avoid choosing a PIN or passcode with an easily retrieved
combination (for example, repeated numbers or letters);
• aim to disguise your PIN or passcode in a way that is difficult for
another person to discover. Consider avoiding:
– recording the PIN or passcode in reverse order;
– recording the PIN or passcode as a telephone number
where no other numbers are recorded or where the
numbers are in their correct sequence;
– recording the PIN or passcode disguised as a date (including
your birth date) or as an amount; or
– recording the PIN or passcode in an easily understood code
(for example, A for 1, B for 2).
What to do if you need to dispute a transaction
on your ANZ card
ANZ has a process in place to help you with any incorrect or
unauthorised transactions charged to your card.
You may be entitled to have a transaction reversed (a chargeback)
in some situations where you have a dispute with the merchant.
If you believe you’re entitled to have a transaction reversed, you
should let us know immediately. The Visa Scheme rules impose
time limits for raising a dispute. Generally, under the scheme
rules ANZ must lodge a fully detailed claim on your behalf
within 120 days1. However, we recommend that you raise your
dispute with us as soon as possible. If you do not notify us of your
disputed transaction and provide us with all necessary details and
documentation in time for ANZ to meet this deadline, ANZ may not
be able to assist you in having the disputed transaction reversed.
In some cases, such as where the ePayments code applies, the
time limits under the Scheme rules may not apply to your disputed
transaction. However, you should still let us know about your
dispute as soon as you can.
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.
If we’re not notified in time, we may not be able to investigate your
claim, which means you’re likely to be liable for the transaction.
Therefore, it’s important to review your statements carefully.

VISA SECURE AND EFTPOS SECURE

Visa Secure and eftpos Secure provides an extra level of protection
for online Visa purchases at participating retailers utilizing One Time
Password via SMS sent to your mobile phone number held by ANZ.
It’s only possible to reverse a transaction that’s been authenticated
using Visa Secure or eftpos Secure where ANZ is liable, as provided
in the Electronic Banking Conditions of Use contained in your
product Terms and Conditions or Conditions of Use.

ANY QUESTIONS?
For general enquiries, contact our ANZ Customer Contact Centre
on 13 13 14, 24 hours, 7 days. Hearing and speech impaired
customers can utilise the TTY service by calling 133 677.
Alternatively, you may wish to contact us at our ANZ website,
www.anz.com

1
For transactions performed using the eftpos system, longer time limits
may apply.

anz.com
Australia and New Zealand Banking Group Limited ABN 11 005 357 522.
Australian Credit Licence Number 234527. Item No. 50371 11.2022 WZ127087