Risk and Fraud Operations

Group Operations
GPO Box 179
Sydney, NSW 2000 Australia
Telephone: 1300 301 217
Overseas: +61 2 9553 5333
Facsimile: +61 2 9300 5567
www.stgeorge.com.au
Ref: F1716300033

26 June 2017

Successful claim for suspected unauthorised transactions on your Debit Visa

Dear Mr Perkoulidis

Recently you told us of suspected unauthorised transactions on your Debit Visa 4239xxxxxxxx8916.

In response we have investigated the transaction(s) on your card. After considering all the information
available during the investigation, including the information you have told us, we have found in your favour and
the credit placed on your account is a permanent refund for the amount of $0.00

The fraudulent transactions we refer to are:

Date Merchant Name Location Amount

11/06/2017 be2 SARL*AU www.be2.com.a ~ $0.00
11/06/2017 C-DATE_AU_EMS 1 MONTHS MUNCHEN ~ $0.00

~ The merchant has provided credit to your account for this transaction which resulted in a change to the amount you were
refunded

Fee / Charge Type Amount

Overdrawn Fees
Dishonour Fees
Foreign Currency Fees

Please be aware that our investigation is based on the information provided to, or received by, us to date. We may
continue to investigate or re-open your claim even though the matter has been resolved in your favour. If it is found
that you have participated in or benefited from the transactions, you’ll be contacted and the refund may be
reversed.

Any questions?
If you are in Australia, call us on 1300 301 217 Monday-Friday 8am-8pm (toll free if dialled within Australia). Or, if
you are overseas, please phone +61 2 9553 5333 and reverse the charges.

For more information on managing credit card fraud, please visit www.stgeorge.com.au/cardfraud

Card Fraud Operations

Visa is a registered trademark of Visa International Services Association.

RD(03/16)Guardian
ST.GEORGE BANK – A Division of Westpac Banking Corporation
ABN 33 007 457 141 AFSL 233714