ANZ ACCESS ADVANTAGE STATEMENT

STATEMENT NUMBER 10
15 OCTOBER 2021 TO 17 DECEMBER 2021

MR M M RAFIQUE
79A ARMSTRONG RD
WILSON WA 6107

WELCOME TO YOUR ANZ ACCOUNT AT A GLANCE

Account Details
Opening Balance:
RAFIQUE MUHAMMAD MOHSIN

Branch Number (BSB)

$
122.69
016-263 Total Deposits:

Account Number
$
21,983.39
3197-15083
Total Withdrawals:

$
20,966.66
Closing Balance:

$
1,139.42

NEED TO GET IN TOUCH?

XPRCAP0021-2112180456

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 3197-15083

Transaction Details
Please retain this statement for taxation purposes

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

2021 blank blank
15 OCT OPENING BALANCE 122.69
18 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 4.00 126.69
EFFECTIVE DATE 17 OCT 2021
18 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 22.00 148.69
EFFECTIVE DATE 17 OCT 2021
18 OCT PAYMENT FROM ADEED ASLAM blank 40.00 188.69
18 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 60.00 248.69
EFFECTIVE DATE 17 OCT 2021
18 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 800.00 1,048.69
EFFECTIVE DATE 17 OCT 2021
18 OCT PAYMENT FROM UBER BV blank 1,138.66 2,187.35
IBOOOU0YG8CQF0A
18 OCT TRANSFER blank 163.95 2,351.30
FROM DIDI MOBILITY (A PAID BY DIDI X1989
18 OCT TRANSFER blank 46.11 2,397.41
FROM OLA U648908205306284
18 OCT VISA DEBIT PURCHASE CARD 3080 11.48 blank 2,385.93
DING *93151985 EZETOP.COM
EFFECTIVE DATE 15 OCT 2021
18 OCT ANZ MOBILE BANKING PAYMENT 168143 40.00 blank 2,345.93
TO M RAFIQUE
18 OCT VISA DEBIT PURCHASE CARD 3080 52.82 blank 2,293.11
7 ELEVEN 3025 CARLISLE
EFFECTIVE DATE 16 OCT 2021
18 OCT VISA DEBIT PURCHASE CARD 3080 108.13 blank 2,184.98
SPUD SHED BENTLEY
EFFECTIVE DATE 14 OCT 2021
18 OCT ANZ MOBILE BANKING PAYMENT 579691 205.00 blank 1,979.98
TO M RAFIQUE
18 OCT VISA DEBIT PURCHASE CARD 3080 800.00 blank 1,179.98
WORLDREMIT LONDON
EFFECTIVE DATE 17 OCT 2021
18 OCT ANZ MOBILE BANKING PAYMENT 020834 1,130.00 blank 49.98
TO M RAFIQUE
19 OCT TRANSFER blank 100.00 149.98
FROM MUHAMMAD MOHSIN RENT
19 OCT TRANSFER blank 150.00 299.98
FROM MUHAMMAD MOHSIN FROM
19 OCT VISA DEBIT PURCHASE CARD 3080 2.63 blank 297.35
FOOD PANDA KARACHI
323.00 PKR INC O/S FEE $0.07
EFFECTIVE DATE 15 OCT 2021
19 OCT VISA DEBIT PURCHASE CARD 3080 7.50 blank 289.85
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 17 OCT 2021
19 OCT VISA DEBIT PURCHASE CARD 3080 12.00 blank 277.85
ALL NIGHT PIZZA CAFE VICTORIA PARK
EFFECTIVE DATE 17 OCT 2021
blank TOTALS AT END OF PAGE $2,369.56 $2,524.72

Page 2 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

19 OCT VISA DEBIT PURCHASE CARD 3080 12.08 blank 265.77
DING *93256248 EZETOP.COM
EFFECTIVE DATE 17 OCT 2021
19 OCT PAYMENT 340.99 blank 75.22DR
TO DEEPAK HANDA 341672665
20 OCT PAYMENT FROM MUHAMMAD RIAZ blank 7.00 68.22DR
20 OCT REVERSAL OF PAYMENT blank 340.99 272.77
EFFECTIVE DATE 19 OCT 2021
20 OCT DISHONOUR FEE 6.00 blank 266.77
21 OCT PAYMENT FROM ADEED ASLAM blank 78.00 344.77
21 OCT TRANSFER blank 43.82 388.59
FROM OLA U648908264406802
21 OCT ANZ MOBILE BANKING PAYMENT 812548 50.00 blank 338.59
TO M RAFIQUE
21 OCT ANZ MOBILE BANKING PAYMENT 221349 78.00 blank 260.59
TO M RAFIQUE
21 OCT ANZ MOBILE BANKING PAYMENT 269721 260.00 blank 0.59
TO M RAFIQUE
22 OCT TRANSFER blank 62.93 63.52
FROM OLA U648908250914925
25 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 24.00 87.52
EFFECTIVE DATE 24 OCT 2021
25 OCT PAYMENT FROM UBER BV blank 1,189.40 1,276.92
J5TOEU2W9KXDZTM
25 OCT TRANSFER blank 137.30 1,414.22
FROM DIDI MOBILITY (A PAID BY DIDI X1989
25 OCT TRANSFER blank 20.93 1,435.15
FROM OLA U648908210040883
25 OCT VISA DEBIT PURCHASE CARD 3080 5.00 blank 1,430.15
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 23 OCT 2021
25 OCT VISA DEBIT PURCHASE CARD 3080 6.50 blank 1,423.65
DUNYA CONTINENTAL BENTLEY
EFFECTIVE DATE 22 OCT 2021
25 OCT VISA DEBIT PURCHASE CARD 3080 7.95 blank 1,415.70
OPORTO BENTLEY BENTLEY
EFFECTIVE DATE 22 OCT 2021
25 OCT VISA DEBIT PURCHASE CARD 3080 14.50 blank 1,401.20
DOWNTOWN CAFE NORTHB NORTHBRIDGE
EFFECTIVE DATE 24 OCT 2021
25 OCT ANZ MOBILE BANKING PAYMENT 886878 1,210.00 blank 191.20
TO M RAFIQUE
26 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 20.00 211.20
26 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 500.00 711.20
26 OCT ANZ MOBILE BANKING PAYMENT 861719 160.00 blank 551.20
TO M RAFIQUE
27 OCT TRANSFER blank 59.48 610.68
FROM OLA U648908282814440
27 OCT ANZ MOBILE BANKING PAYMENT 848775 9.00 blank 601.68
TO S UR REHMAN
blank TOTALS AT END OF PAGE $2,160.02 $2,483.85
XPRCAP0021-2112180456

Page 3 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

27 OCT VISA DEBIT PURCHASE CARD 3080 19.99 blank 581.69
NETFLIX COM MELBOURNE
EFFECTIVE DATE 22 OCT 2021
27 OCT VISA DEBIT PURCHASE CARD 3080 500.00 blank 81.69
WORLDREMIT LONDON
EFFECTIVE DATE 25 OCT 2021
28 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 8.00 89.69
28 OCT PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 10.00 99.69
28 OCT TRANSFER blank 57.05 156.74
FROM OLA U648908269192017
28 OCT VISA DEBIT PURCHASE CARD 3080 7.35 blank 149.39
MCDONALDS BUTLER BUTLER
EFFECTIVE DATE 26 OCT 2021
28 OCT VISA DEBIT PURCHASE CARD 3080 7.73 blank 141.66
SPUD SHED BENTLEY
EFFECTIVE DATE 26 OCT 2021
28 OCT ANZ MOBILE BANKING PAYMENT 114440 30.00 blank 111.66
TO M RAFIQUE
29 OCT VISA DEBIT PURCHASE CARD 3080 29.28 blank 82.38
PUMA ENERGY MUNDARIN MUNDARING
EFFECTIVE DATE 28 OCT 2021
29 OCT VISA DEBIT PURCHASE CARD 3080 30.00 blank 52.38
SPORTSBET PTY LTD DARWIN
EFFECTIVE DATE 27 OCT 2021
01 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 10.00 62.38
01 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 15.00 77.38
EFFECTIVE DATE 30 OCT 2021
01 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 15.00 92.38
EFFECTIVE DATE 31 OCT 2021
01 NOV PAYMENT FROM ADEED ASLAM blank 150.00 242.38
01 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 500.00 742.38
EFFECTIVE DATE 30 OCT 2021
01 NOV TRANSFER blank 37.36 779.74
FROM DIDI MOBILITY (A PAID BY DIDI X1989
01 NOV TRANSFER blank 26.42 806.16
FROM OLA U648908214910945
01 NOV VISA DEBIT PURCHASE CARD 3080 2.00 blank 804.16
PPSR AFSA BARTON
EFFECTIVE DATE 29 OCT 2021
01 NOV VISA DEBIT PURCHASE CARD 3080 7.50 blank 796.66
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 28 OCT 2021
01 NOV VISA DEBIT PURCHASE CARD 3080 12.15 blank 784.51
MCDONALDS MIDLAND MIDLAND
EFFECTIVE DATE 28 OCT 2021
01 NOV VISA DEBIT PURCHASE CARD 3080 15.50 blank 769.01
OPORTO BENTLEY BENTLEY
EFFECTIVE DATE 29 OCT 2021
01 NOV ANZ MOBILE BANKING PAYMENT 300047 500.00 blank 269.01
TO COINSPOT
EFFECTIVE DATE 30 OCT 2021
blank TOTALS AT END OF PAGE $1,161.50 $828.83

Page 4 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

02 NOV TRANSFER blank 1,134.53 1,403.54
FROM UBER BV PARTNERPMT, 120889
02 NOV VISA DEBIT PURCHASE CARD 3080 153.99 blank 1,249.55
WORLDREMIT LONDON
EFFECTIVE DATE 01 NOV 2021
03 NOV TRANSFER blank 39.10 1,288.65
FROM NIB 47782962
03 NOV VISA DEBIT PURCHASE CARD 3080 3.70 blank 1,284.95
MCDONALDS BALLAJURA MALAGA
EFFECTIVE DATE 31 OCT 2021
03 NOV VISA DEBIT PURCHASE CARD 3080 7.20 blank 1,277.75
AMPOL CANNINGTO 55672F CANNINGTON
EFFECTIVE DATE 31 OCT 2021
03 NOV VISA DEBIT PURCHASE CARD 3080 11.13 blank 1,266.62
LIV*CANNING BRIDGEIGA APPLECROSS
EFFECTIVE DATE 30 OCT 2021
03 NOV VISA DEBIT PURCHASE CARD 3080 14.00 blank 1,252.62
FREMANTLE KEBAB HOUS FREMANTLE
EFFECTIVE DATE 29 OCT 2021
03 NOV VISA DEBIT PURCHASE CARD 3080 16.75 blank 1,235.87
MCDONALDS BALLAJURA MALAGA
EFFECTIVE DATE 31 OCT 2021
03 NOV ANZ MOBILE BANKING PAYMENT 432733 150.00 blank 1,085.87
TO A ASLAM
03 NOV ANZ MOBILE BANKING PAYMENT 828232 600.00 blank 485.87
TO EXCELLENT ACCOUNTS PTY LTD
04 NOV VISA DEBIT PURCHASE CARD 3080 8.00 blank 477.87
OM SWEET HOUSE CANNINGTON
EFFECTIVE DATE 02 NOV 2021
04 NOV ANZ MOBILE BANKING PAYMENT 090478 200.00 blank 277.87
TO MUHAMMAD MOHSIN
04 NOV ANZ MOBILE BANKING PAYMENT 056303 200.00 blank 77.87
TO MUHAMMAD MOHSIN
05 NOV VISA DEBIT PURCHASE CARD 3080 30.00 blank 47.87
UNITED PETROLEUM PTY WANNEROO
EFFECTIVE DATE 03 NOV 2021
08 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 49.00 96.87
08 NOV PAYMENT FROM MUDASSAR KHAN blank 100.00 196.87
EFFECTIVE DATE 06 NOV 2021
08 NOV PAYMENT FROM UBER BV blank 1,649.16 1,846.03
KBW6D55A9LDZP71
08 NOV TRANSFER blank 125.82 1,971.85
FROM OLA U648908219676191
08 NOV VISA DEBIT PURCHASE CARD 3080 1.96 blank 1,969.89
FOOD PANDA KARACHI
238.20 PKR INC O/S FEE $0.05
EFFECTIVE DATE 03 NOV 2021
08 NOV VISA DEBIT PURCHASE CARD 3080 7.50 blank 1,962.39
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 04 NOV 2021
blank TOTALS AT END OF PAGE $1,404.23 $3,097.61
XPRCAP0021-2112180456

Page 5 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

08 NOV VISA DEBIT PURCHASE CARD 3080 9.90 blank 1,952.49
MCDONALDS BALLAJURA MALAGA
EFFECTIVE DATE 04 NOV 2021
08 NOV VISA DEBIT PURCHASE CARD 3080 10.16 blank 1,942.33
AMPOL JOONDALUP 55243F JOONDALUP
EFFECTIVE DATE 04 NOV 2021
08 NOV ANZ MOBILE BANKING PAYMENT 074267 1,649.00 blank 293.33
TO M RAFIQUE
09 NOV VISA DEBIT PURCHASE CARD 3080 12.35 blank 280.98
CALTEX DIANELLA DIANELLA
EFFECTIVE DATE 07 NOV 2021
09 NOV VISA DEBIT PURCHASE CARD 3080 15.50 blank 265.48
OPORTO BENTLEY BENTLEY
EFFECTIVE DATE 07 NOV 2021
09 NOV VISA DEBIT PURCHASE CARD 3080 75.26 blank 190.22
TELSTRA BILL PAYMNT MELBOURNE
EFFECTIVE DATE 06 NOV 2021
10 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 56.00 246.22
10 NOV TRANSFER blank 37.34 283.56
FROM OLA U648908292404815
10 NOV VISA DEBIT PURCHASE CARD 3080 39.00 blank 244.56
PUNJABI KITCHEN PTY LANGFORD
EFFECTIVE DATE 08 NOV 2021
11 NOV VISA DEBIT PURCHASE CARD 3080 10.48 blank 234.08
BENTLEY DISCOUNT PHARMACY BENTLEY
EFFECTIVE DATE 09 NOV 2021
11 NOV VISA DEBIT PURCHASE CARD 3080 75.00 blank 159.08
CLINIPATH PATHOLOGY EAST VICTORIA
EFFECTIVE DATE 09 NOV 2021
12 NOV TRANSFER blank 28.49 187.57
FROM OLA U648908265221136
12 NOV VISA DEBIT PURCHASE CARD 3080 5.00 blank 182.57
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 10 NOV 2021
15 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 65.00 247.57
EFFECTIVE DATE 14 NOV 2021
15 NOV PAYMENT FROM SAIF UR REHMAN blank 100.00 347.57
EFFECTIVE DATE 14 NOV 2021
15 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 167.00 514.57
EFFECTIVE DATE 13 NOV 2021
15 NOV PAYMENT FROM UBER BV blank 1,207.57 1,722.14
LGZSD4O0FYMLTBU
15 NOV TRANSFER blank 23.36 1,745.50
FROM DIDI MOBILITY (A PAID BY DIDI X1989
15 NOV VISA DEBIT PURCHASE CARD 3080 2.28 blank 1,743.22
FOOD PANDA KARACHI
282.00 PKR INC O/S FEE $0.06
EFFECTIVE DATE 10 NOV 2021
15 NOV VISA DEBIT PURCHASE CARD 3080 2.33 blank 1,740.89
FOOD PANDA KARACHI
288.00 PKR INC O/S FEE $0.06
EFFECTIVE DATE 11 NOV 2021
blank TOTALS AT END OF PAGE $1,906.26 $1,684.76

Page 6 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

15 NOV ANZ MOBILE BANKING PAYMENT 153021 10.00 blank 1,730.89
TO W AHMAD
15 NOV VISA DEBIT PURCHASE CARD 3080 39.10 blank 1,691.79
VICTORIA MEDICAL EAST VICTORIA
EFFECTIVE DATE 11 NOV 2021
15 NOV VISA DEBIT PURCHASE CARD 3080 50.00 blank 1,641.79
DBS*GOODLIFE CANNINGTO CANNINGTON
EFFECTIVE DATE 12 NOV 2021
15 NOV VISA DEBIT PURCHASE CARD 3080 53.53 blank 1,588.26
AMPOL GOSNELLS 55535F GOSNELLS
EFFECTIVE DATE 10 NOV 2021
15 NOV VISA DEBIT PURCHASE CARD 3080 167.00 blank 1,421.26
WORLDREMIT SYDNEY
EFFECTIVE DATE 14 NOV 2021
16 NOV VISA DEBIT PURCHASE CARD 3080 3.22 blank 1,418.04
FOOD PANDA KARACHI
400.00 PKR INC O/S FEE $0.09
EFFECTIVE DATE 12 NOV 2021
16 NOV VISA DEBIT PURCHASE CARD 3080 6.15 blank 1,411.89
PUMA ENERGY LESMURDI LESMURDIE
EFFECTIVE DATE 14 NOV 2021
16 NOV VISA DEBIT PURCHASE CARD 3080 51.36 blank 1,360.53
AMPOL MT LAWLEY 55487F MOUNT LAWLEY
EFFECTIVE DATE 14 NOV 2021
16 NOV ANZ MOBILE BANKING PAYMENT 043115 400.00 blank 960.53
TO M RAFIQUE
17 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 20.00 980.53
17 NOV TRANSFER blank 25.20 1,005.73
FROM OLA U648908297257018
17 NOV VISA DEBIT PURCHASE CARD 3080 2.50 blank 1,003.23
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 15 NOV 2021
17 NOV VISA DEBIT PURCHASE CARD 3080 12.08 blank 991.15
DING *95167458 EZETOP.COM
EFFECTIVE DATE 15 NOV 2021
17 NOV VISA DEBIT PURCHASE CARD 3080 12.09 blank 979.06
EAST VICTORIA PRK IGA EAST VICTORIA
EFFECTIVE DATE 12 NOV 2021
17 NOV VISA DEBIT PURCHASE CARD 3080 35.00 blank 944.06
PUNJABI KITCHEN PTY LANGFORD
EFFECTIVE DATE 15 NOV 2021
17 NOV VISA DEBIT PURCHASE CARD 3080 802.00 blank 142.06
WORLDREMIT SYDNEY
EFFECTIVE DATE 16 NOV 2021
17 NOV DEBIT INTEREST CHARGED 0.17 blank 141.89
18 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 100.00 241.89
18 NOV PAYMENT FROM UBER BV blank 370.12 612.01
BL7FFFON7M5PFL9
18 NOV TRANSFER blank 141.88 753.89
FROM OLA U648908283608134
blank TOTALS AT END OF PAGE $1,644.20 $657.20
XPRCAP0021-2112180456

Page 7 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

18 NOV VISA DEBIT PURCHASE CARD 3080 6.67 blank 747.22
FOOD PANDA KARACHI
824.50 PKR INC O/S FEE $0.19
EFFECTIVE DATE 14 NOV 2021
18 NOV VISA DEBIT PURCHASE CARD 3080 40.70 blank 706.52
DEPARTMENT OF TRANSPOR PERTH
EFFECTIVE DATE 16 NOV 2021
18 NOV ANZ MOBILE BANKING PAYMENT 286923 210.00 blank 496.52
TO M RAFIQUE
18 NOV ANZ MOBILE BANKING PAYMENT 945857 265.00 blank 231.52
TO A ASLAM
19 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 50.00 281.52
19 NOV TRANSFER blank 34.53 316.05
FROM OLA U648908269990276
19 NOV VISA DEBIT PURCHASE CARD 3080 57.90 blank 258.15
AMPOL BALDIVIS 55412F BALDIVIS
EFFECTIVE DATE 17 NOV 2021
22 NOV PAYMENT FROM MUDASSAR KHAN blank 5.00 263.15
EFFECTIVE DATE 20 NOV 2021
22 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 7.00 270.15
EFFECTIVE DATE 21 NOV 2021
22 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 10.00 280.15
EFFECTIVE DATE 20 NOV 2021
22 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 43.00 323.15
EFFECTIVE DATE 21 NOV 2021
22 NOV TRANSFER blank 31.44 354.59
FROM OLA U648908229219219
22 NOV VISA DEBIT PURCHASE CARD 3080 6.95 blank 347.64
PENANG VILLAGE DELIG EAST VICTORIA
EFFECTIVE DATE 18 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 7.38 blank 340.26
DING 95466258 DUBLIN
EFFECTIVE DATE 20 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 7.38 blank 332.88
DING 95466214 DUBLIN
EFFECTIVE DATE 20 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 9.24 blank 323.64
SPUD SHED BENTLEY
EFFECTIVE DATE 18 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 14.40 blank 309.24
SQ *JOHNYS KEBAB, BURG EAST VICTORIA
EFFECTIVE DATE 20 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 14.75 blank 294.49
MCDONALDS DT 1489 MIRRABOOKA
EFFECTIVE DATE 18 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 17.79 blank 276.70
FOOD PANDA KARACHI
2,179.40 PKR INC O/S FEE $0.51
EFFECTIVE DATE 18 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 30.02 blank 246.68
7-ELEVEN 3018 MADDINGTON
EFFECTIVE DATE 18 NOV 2021
blank TOTALS AT END OF PAGE $688.18 $180.97

Page 8 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

22 NOV VISA DEBIT PURCHASE CARD 3080 41.44 blank 205.24
AMPOL MT LAWLEY 55487F MOUNT LAWLEY
EFFECTIVE DATE 19 NOV 2021
22 NOV VISA DEBIT PURCHASE CARD 3080 123.99 blank 81.25
WORLDREMIT SYDNEY
EFFECTIVE DATE 19 NOV 2021
23 NOV PAYMENT FROM SAIF UR REHMAN blank 100.00 181.25
23 NOV TRANSFER blank 1,198.74 1,379.99
FROM UBER BV PARTNERPMT, 120889
23 NOV VISA DEBIT PURCHASE CARD 3080 3.07 blank 1,376.92
FOOD PANDA KARACHI
376.20 PKR INC O/S FEE $0.08
EFFECTIVE DATE 19 NOV 2021
23 NOV VISA DEBIT PURCHASE CARD 3080 39.50 blank 1,337.42
7 ELEVEN 3025 CARLISLE
EFFECTIVE DATE 21 NOV 2021
23 NOV ANZ MOBILE BANKING PAYMENT 240951 125.00 blank 1,212.42
TO MUHAMMAD MOHSIN
23 NOV ANZ MOBILE BANKING PAYMENT 815173 1,200.00 blank 12.42
TO M RAFIQUE
24 NOV PAYMENT FROM UBER BV blank 202.70 215.12
6E2SDD8HG942QEE
24 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 806.00 1,021.12
24 NOV VISA DEBIT PURCHASE CARD 3080 3.60 blank 1,017.52
MCDONALDS DT 1489 MIRRABOOKA
EFFECTIVE DATE 21 NOV 2021
24 NOV ANZ MOBILE BANKING PAYMENT 755249 170.00 blank 847.52
TO M RAFIQUE
25 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 40.00 887.52
25 NOV PAYMENT FROM UBER BV blank 112.78 1,000.30
07BIMZ0BKUOPVOZ
25 NOV PAYMENT FROM SAIF UR REHMAN blank 200.00 1,200.30
25 NOV ANZ MOBILE BANKING PAYMENT 555118 230.00 blank 970.30
TO M RAFIQUE
26 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 10.00 980.30
26 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 70.00 1,050.30
26 NOV PAYMENT FROM SAIF UR REHMAN blank 330.00 1,380.30
26 NOV TRANSFER blank 34.18 1,414.48
FROM OLA U648908274789394
26 NOV VISA DEBIT PURCHASE CARD 3080 28.50 blank 1,385.98
PUNJABI KITCHEN PTY LANGFORD
EFFECTIVE DATE 24 NOV 2021
26 NOV ANZ MOBILE BANKING PAYMENT 640366 290.00 blank 1,095.98
TO S UR REHMAN
26 NOV VISA DEBIT PURCHASE CARD 3080 806.00 blank 289.98
WORLDREMIT SYDNEY
EFFECTIVE DATE 25 NOV 2021
29 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 10.00 299.98
EFFECTIVE DATE 27 NOV 2021
29 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 10.00 309.98
blank TOTALS AT END OF PAGE $3,061.10 $3,124.40
XPRCAP0021-2112180456

Page 9 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

29 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 60.00 369.98
EFFECTIVE DATE 27 NOV 2021
29 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 70.00 439.98
EFFECTIVE DATE 28 NOV 2021
29 NOV PAYMENT FROM UBER BV blank 389.89 829.87
CF7DKYRIA6XFSIX
EFFECTIVE DATE 27 NOV 2021
29 NOV PAYMENT FROM ADEED ASLAM blank 500.00 1,329.87
29 NOV TRANSFER blank 59.90 1,389.77
FROM NIB 47782962
29 NOV TRANSFER blank 17.00 1,406.77
FROM DIDI MOBILITY (A PAID BY DIDI X1989
29 NOV TRANSFER blank 44.61 1,451.38
FROM DIDI MOBILITY (A PAID BY DIDI X1989
29 NOV TRANSFER blank 24.02 1,475.40
FROM OLA U648908234157442
29 NOV VISA DEBIT PURCHASE CARD 3080 7.45 blank 1,467.95
PUMA ENERGY PEARSALL PEARSALL
EFFECTIVE DATE 27 NOV 2021
29 NOV VISA DEBIT PURCHASE CARD 3080 39.10 blank 1,428.85
VICTORIA MEDICAL EAST VICTORIA
EFFECTIVE DATE 25 NOV 2021
29 NOV VISA DEBIT PURCHASE CARD 3080 39.10 blank 1,389.75
VICTORIA MEDICAL EAST VICTORIA
EFFECTIVE DATE 25 NOV 2021
29 NOV VISA DEBIT PURCHASE CARD 3080 49.99 blank 1,339.76
WORLDREMIT SYDNEY
EFFECTIVE DATE 27 NOV 2021
29 NOV VISA DEBIT PURCHASE CARD 3080 55.00 blank 1,284.76
AFTERPAY AFTERPAY.COM
EFFECTIVE DATE 25 NOV 2021
29 NOV VISA DEBIT PURCHASE CARD 3080 58.72 blank 1,226.04
EG GROUP/207 BURSLEM DR MADDINGTON
EFFECTIVE DATE 25 NOV 2021
29 NOV VISA DEBIT PURCHASE CARD 3080 84.75 blank 1,141.29
AFTERPAY AFTERPAY.COM
EFFECTIVE DATE 26 NOV 2021
29 NOV ANZ MOBILE BANKING PAYMENT 425771 120.00 blank 1,021.29
TO M RAFIQUE
29 NOV ANZ MOBILE BANKING PAYMENT 300196 349.00 blank 672.29
TO M RAFIQUE
EFFECTIVE DATE 27 NOV 2021
29 NOV ANZ MOBILE BANKING PAYMENT 000386 500.00 blank 172.29
TO M RAFIQUE
30 NOV PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 4.00 176.29
30 NOV TRANSFER blank 871.20 1,047.49
FROM UBER BV PARTNERPMT, 120889
30 NOV TRANSFER blank 39.10 1,086.59
FROM NIB 47782962
30 NOV VISA DEBIT PURCHASE CARD 3080 10.00 blank 1,076.59
ALL NIGHT PIZZA CAFE VICTORIA PARK
EFFECTIVE DATE 27 NOV 2021
blank TOTALS AT END OF PAGE $1,313.11 $2,079.72

Page 10 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

30 NOV VISA DEBIT PURCHASE CARD 3080 50.42 blank 1,026.17
AMPOL MT LAWLEY 55487F MOUNT LAWLEY
EFFECTIVE DATE 27 NOV 2021
30 NOV ANZ MOBILE BANKING PAYMENT 265457 200.00 blank 826.17
TO S UR REHMAN
30 NOV ANZ MOBILE BANKING PAYMENT 420935 700.00 blank 126.17
TO M RAFIQUE
01 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 60.00 186.17
01 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 120.00 306.17
01 DEC VISA DEBIT PURCHASE CARD 3080 3.13 blank 303.04
FOOD PANDA KARACHI
380.00 PKR INC O/S FEE $0.09
EFFECTIVE DATE 28 NOV 2021
01 DEC VISA DEBIT PURCHASE CARD 3080 3.58 blank 299.46
FOOD PANDA KARACHI
435.10 PKR INC O/S FEE $0.10
EFFECTIVE DATE 26 NOV 2021
01 DEC VISA DEBIT PURCHASE CARD 3080 7.50 blank 291.96
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 29 NOV 2021
01 DEC VISA DEBIT PURCHASE CARD 3080 9.99 blank 281.97
BOTTS DRIVE IN CHEMI BENTLEY
EFFECTIVE DATE 29 NOV 2021
01 DEC VISA DEBIT PURCHASE CARD 3080 14.00 blank 267.97
FREMANTLE KEBAB HOUS FREMANTLE
EFFECTIVE DATE 29 NOV 2021
01 DEC VISA DEBIT PURCHASE CARD 3080 19.99 blank 247.98
NETFLIX.COM MELBOURNE
EFFECTIVE DATE 29 NOV 2021
01 DEC VISA DEBIT PURCHASE CARD 3080 55.71 blank 192.27
AMPOL EAST PERT 55161F PERTH
EFFECTIVE DATE 29 NOV 2021
03 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 5.00 197.27
03 DEC VISA DEBIT PURCHASE CARD 3080 0.25 blank 197.02
TELSTRA DIRECT DEBIT AUSTRALIA
EFFECTIVE DATE 01 DEC 2021
03 DEC VISA DEBIT PURCHASE CARD 3080 5.03 blank 191.99
FOOD PANDA KARACHI
606.20 PKR INC O/S FEE $0.14
EFFECTIVE DATE 30 NOV 2021
03 DEC VISA DEBIT PURCHASE CARD 3080 7.50 blank 184.49
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 01 DEC 2021
03 DEC VISA DEBIT PURCHASE CARD 3080 44.57 blank 139.92
AMPOL BENTLEY BENTLEY
EFFECTIVE DATE 01 DEC 2021
03 DEC VISA DEBIT PURCHASE CARD 3080 79.00 blank 60.92
HTH SERVICES PTY LTD WELSHPOOL
EFFECTIVE DATE 01 DEC 2021
06 DEC PAYMENT FROM MUDASSAR KHAN blank 11.00 71.92
EFFECTIVE DATE 04 DEC 2021
06 DEC PAYMENT FROM ADEED ASLAM blank 11.00 82.92
EFFECTIVE DATE 04 DEC 2021
blank TOTALS AT END OF PAGE $1,200.67 $207.00
XPRCAP0021-2112180456

Page 11 of 16
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

06 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 20.00 102.92
06 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 60.00 162.92
EFFECTIVE DATE 04 DEC 2021
06 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 200.00 362.92
EFFECTIVE DATE 04 DEC 2021
06 DEC TRANSFER blank 39.10 402.02
FROM NIB 47782962
06 DEC TRANSFER blank 3.26 405.28
FROM DIDI MOBILITY (A PAID BY DIDI X1989
06 DEC VISA DEBIT PURCHASE CARD 3080 1.00 blank 404.28
PUMA ENERGY MUNSTER MUNSTER
EFFECTIVE DATE 05 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 2.50 blank 401.78
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 02 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 11.00 blank 390.78
SQ *JOHNYS KEBAB, BURG EAST VICTORIA
EFFECTIVE DATE 03 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 11.88 blank 378.90
DING *96217519 EZETOP.COM
EFFECTIVE DATE 02 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 11.99 blank 366.91
ST JAMES IGA XPRESS ST JAMES
EFFECTIVE DATE 02 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 14.75 blank 352.16
MCDONALDS MIRRABOOKA2 MIRRABOOKA
EFFECTIVE DATE 02 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 32.00 blank 320.16
SQ *JOHNYS KEBAB, BURGER EAST VICTORIA
EFFECTIVE DATE 04 DEC 2021
06 DEC VISA DEBIT PURCHASE CARD 3080 218.77 blank 101.39
DBS*GOODLIFE CANNINGTO CANNINGTON
EFFECTIVE DATE 04 DEC 2021
07 DEC TRANSFER blank 1,498.83 1,600.22
FROM UBER BV PARTNERPMT, 120889
07 DEC VISA DEBIT PURCHASE CARD 3080 3.00 blank 1,597.22
AMPOL YANGEBUP 55711F YANGEBUP
EFFECTIVE DATE 05 DEC 2021
07 DEC VISA DEBIT PURCHASE CARD 3080 4.50 blank 1,592.72
BP BELDON 6533 BELDON
EFFECTIVE DATE 04 DEC 2021
07 DEC ANZ MOBILE BANKING PAYMENT 549729 600.00 blank 992.72
TO W HASHMI
07 DEC ANZ MOBILE BANKING PAYMENT 549208 600.00 blank 392.72
TO W HASHMI
08 DEC PAYMENT FROM MUHAMMAD MOHSIN RAFIQUE blank 500.00 892.72
08 DEC TRANSFER blank 81.77 974.49
FROM OLA U648908211640529
08 DEC VISA DEBIT PURCHASE CARD 3080 6.10 blank 968.39
MCDONALDS E/VCTRIA PK EAST VICTORIA
EFFECTIVE DATE 04 DEC 2021
blank TOTALS AT END OF PAGE $1,517.49 $2,402.96

Page 12 of
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

08 DEC VISA DEBIT PURCHASE CARD 3080 37.50 blank 930.89
MCDONALDS DT 1489 MIRRABOOKA
EFFECTIVE DATE 06 DEC 2021
08 DEC ANZ MOBILE BANKING PAYMENT 119405 300.00 blank 630.89
TO M RAFIQUE
09 DEC VISA DEBIT PURCHASE CARD 3080 5.00 blank 625.89
BP THORNLIE 9804 CANNING VALE
EFFECTIVE DATE 07 DEC 2021
09 DEC VISA DEBIT PURCHASE CARD 3080 11.95 blank 613.94
KFC SOUTH PERTH SOUTH PERTH
EFFECTIVE DATE 07 DEC 2021
10 DEC PAYMENT FROM UBER BV blank 292.53 906.47
HG1WLNR136R558X
10 DEC VISA DEBIT PURCHASE CARD 3080 30.00 blank 876.47
PUNJABI KITCHEN PTY LANGFORD
EFFECTIVE DATE 08 DEC 2021
10 DEC VISA DEBIT PURCHASE CARD 3080 35.98 blank 840.49
DBS*GOODLIFE CANNINGTO CANNINGTON
EFFECTIVE DATE 09 DEC 2021
10 DEC VISA DEBIT PURCHASE CARD 3080 55.00 blank 785.49
AFTERPAY HTTPSWWW.AFTE
EFFECTIVE DATE 09 DEC 2021
10 DEC VISA DEBIT PURCHASE CARD 3080 62.93 blank 722.56
AGHA JUICE BELMONT CLOVERDALE
EFFECTIVE DATE 08 DEC 2021
10 DEC ANZ MOBILE BANKING PAYMENT 317631 150.00 blank 572.56
TO M KHAN
13 DEC PAY/SALARY blank 380.44 953.00
FROM REMITTER GOPPL 20210745293
13 DEC TRANSFER blank 7.00 960.00
FROM DIDI MOBILITY (A PAID BY DIDI X1989
13 DEC VISA DEBIT PURCHASE CARD 3080 1.00 blank 959.00
PUMA ENERGY MOUNT LA MOUNT LAWLEY
EFFECTIVE DATE 12 DEC 2021
13 DEC VISA DEBIT PURCHASE CARD 3080 2.55 blank 956.45
FOOD PANDA KARACHI
315.00 PKR INC O/S FEE $0.07
EFFECTIVE DATE 09 DEC 2021
13 DEC VISA DEBIT PURCHASE CARD 3080 7.50 blank 948.95
TURKISH KITCHEN ST JAMES
EFFECTIVE DATE 11 DEC 2021
13 DEC VISA DEBIT PURCHASE CARD 3080 10.28 blank 938.67
DING *96783385 EZETOP.COM
EFFECTIVE DATE 10 DEC 2021
13 DEC ANZ MOBILE BANKING PAYMENT 433105 12.00 blank 926.67
TO M KHAN
EFFECTIVE DATE 11 DEC 2021
13 DEC VISA DEBIT PURCHASE CARD 3080 15.00 blank 911.67
AMPOL BELMONT 55142F BELMONT
EFFECTIVE DATE 09 DEC 2021
13 DEC VISA DEBIT PURCHASE CARD 3080 53.72 blank 857.95
AMPOL GOSNELLS 55535F GOSNELLS
EFFECTIVE DATE 09 DEC 2021
blank TOTALS AT END OF PAGE $790.41 $679.97
XPRCAP0021-2112180456

Page 13 of
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

13 DEC VISA DEBIT PURCHASE CARD 3080 55.22 blank 802.73
AMPOL BENTLEY BENTLEY
EFFECTIVE DATE 11 DEC 2021
13 DEC VISA DEBIT PURCHASE CARD 3080 260.70 blank 542.03
RIWAYAT RESTAURANT HUNTINGDALE
EFFECTIVE DATE 08 DEC 2021
14 DEC PAYMENT FROM MUDASSAR KHAN blank 150.00 692.03
14 DEC TRANSFER blank 1,492.95 2,184.98
FROM UBER BV PARTNERPMT, 120889
14 DEC VISA DEBIT PURCHASE CARD 3080 12.00 blank 2,172.98
ALL NIGHT PIZZA CAFE VICTORIA PARK
EFFECTIVE DATE 11 DEC 2021
14 DEC ANZ MOBILE BANKING PAYMENT 894171 14.00 blank 2,158.98
TO A HAYAT
14 DEC VISA DEBIT PURCHASE CARD 3080 55.43 blank 2,103.55
AMPOL BENTLEY BENTLEY
EFFECTIVE DATE 12 DEC 2021
14 DEC ANZ MOBILE BANKING PAYMENT 059763 261.00 blank 1,842.55
TO A ASLAM
15 DEC VISA DEBIT PURCHASE CARD 3080 3.00 blank 1,839.55
FREMANTLE KEBAB HOUS FREMANTLE
EFFECTIVE DATE 12 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 3.18 blank 1,836.37
FOOD PANDA KARACHI
390.00 PKR INC O/S FEE $0.09
EFFECTIVE DATE 12 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 6.00 blank 1,830.37
AMPOL BENTLEY BENTLEY
EFFECTIVE DATE 12 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 10.45 blank 1,819.92
MCDONALDS MELVILLE MELVILLE
EFFECTIVE DATE 11 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 13.98 blank 1,805.94
LIV*CANNING BRIDGEIGA APPLECROSS
EFFECTIVE DATE 10 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 14.00 blank 1,791.94
FREMANTLE KEBAB HOUS FREMANTLE
EFFECTIVE DATE 12 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 23.90 blank 1,768.04
KFC SOUTH PERTH SOUTH PERTH
EFFECTIVE DATE 13 DEC 2021
15 DEC VISA DEBIT PURCHASE CARD 3080 84.75 blank 1,683.29
AFTERPAY HTTPSWWW.AFTE
EFFECTIVE DATE 14 DEC 2021
15 DEC ANZ MOBILE BANKING PAYMENT 645998 600.00 blank 1,083.29
TO M RAFIQUE
16 DEC PAY/SALARY blank 313.35 1,396.64
FROM REMITTER GOPPL 20210749493
16 DEC VISA DEBIT PURCHASE CARD 3080 45.99 blank 1,350.65
WORLDREMIT SYDNEY
EFFECTIVE DATE 15 DEC 2021
16 DEC ANZ MOBILE BANKING PAYMENT 874773 150.00 blank 1,200.65
TO S UR REHMAN
blank TOTALS AT END OF PAGE $1,613.60 $1,956.30

Page 14
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

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

17 DEC TRANSFER blank 75.10 1,275.75
FROM OLA U648908289256880
17 DEC VISA DEBIT PURCHASE CARD 3080 4.20 blank 1,271.55
BP EXP PADBURY 6222 PADBURY
EFFECTIVE DATE 15 DEC 2021
17 DEC VISA DEBIT PURCHASE CARD 3080 57.10 blank 1,214.45
AMPOL BENTLEY BENTLEY
EFFECTIVE DATE 14 DEC 2021
17 DEC ANZ MOBILE BANKING PAYMENT 644516 75.00 blank 1,139.45
TO M RAFIQUE
17 DEC DEBIT INTEREST CHARGED 0.03 blank 1,139.42
blank TOTALS AT END OF PAGE $136.33 $75.10
blank Withdrawals ($) Deposits ($) Balance ($)
TOTALS AT END OF PERIOD $20,966.66 $21,983.39 $1,139.42

This Statement Includes

Interest paid on borrowings $0.20
ANZ bank charges $6.00

As you are a full time student you are exempt from both the Account Servicing Fee and Additional ANZ Withdrawal Fees on this account.

Fee Summary

Fees Charged for period: 01 OCT 2021 to 29 OCT 2021

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

Fees Charged for period: 30 OCT 2021 to 30 NOV 2021

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
XPRCAP0021-2112180456

Page 15
 ANZ ACCESS ADVANTAGE STATEMENT
Account Number 3197-15083

Please note: Your fee cycle may not always reconcile with your statement cycle. This statement date ends on 17/12/21 and the monthly fee cycle, as
appears above, ended on 30/11/21.

ANZ Fee Saving Tip

Use ANZ ATMs.
Avoid non-ANZ ATM fees by using ANZ ATM’s. You can make deposits and withdrawals, conduct balance enquiries, make deposits and order
statements from over 2750 ANZ ATMs in locations across Australia.

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 16
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 11.2021 WZ114070