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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/collect-information/</loc>
        <lastmod>2024-07-18</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/confirmation-payee/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/fraud-check/</loc>
        <lastmod>2024-07-02</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/onlinecode/</loc>
        <lastmod>2025-11-25</lastmod>
        <priority>0.6</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/payment-warnings/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/visa-secure/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/fraud-protection/voice-fingerprint-face-identification/</loc>
        <lastmod>2024-07-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/banking-safely-screen-savers/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/data-breaches/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/kids-privacy-tips-and-tricks/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/protect-against-scams-fraud/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/protect-devices/</loc>
        <lastmod>2025-02-13</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/protect-yourself/stay-safe-online/</loc>
        <lastmod>2026-02-18</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/common-signs/</loc>
        <lastmod>2023-08-17</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/april-2022-text-message-phishing-scams/</loc>
        <lastmod>2026-02-17</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/april-2023-NZTA-and-ANZ-text-message-scams/</loc>
        <lastmod>2026-02-17</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/april-2024-fma-investor-warnings/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/april-2025-tax-refund-scams/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/august-2022-IRD-and-NZTA-phishing-scams/</loc>
        <lastmod>2026-02-17</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/august-2023-impersonation-phone-scam/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/december-2020-scam-alert-shopping-online/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/december-2024-phishing-email/</loc>
        <lastmod>2026-02-17</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/february-2023-cyclone-and-flood-related-scams/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/february-2024-bank-of-america-investment-scam/</loc>
        <lastmod>2025-12-04</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/february-2025-business-email-compromise-scam/</loc>
        <lastmod>2026-01-21</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/july-2019-remote-access-scam/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/july-2023-chinese-extortion-scams/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/july-2024-anz-phishing-text/</loc>
        <lastmod>2026-02-18</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/july-2024-global-it-outage/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/july-2024-nz-post-phishing-scam/</loc>
        <lastmod>2026-02-18</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/july-2025-mobile-wallet-scams/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/june-2018-fake-mobile-banking-apps/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/june-2023-citibank-investment-scams/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/june-2025-anz-premier-wealth-investment-scam/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/march-2025-anz-direct-online-scams/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/march-2025-anz-impersonation-scam/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/march-2025-hi-mum-scams/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/march-2025-job-recruitment-scams/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/march-2026-anz-fake-reward-scams/</loc>
        <lastmod>2026-03-17</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/march-2026-anz-impersonation-whatsapp-scams/</loc>
        <lastmod>2026-03-30</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/may-2024-paypay-email-scam/</loc>
        <lastmod>2026-02-17</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/may-2024-term-deposit-scam/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/november-2023-impersonation-phone-scam/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/november-2024-free-investment-trading-education-scam/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/november-2025-investment-scam-with-anz-branding/</loc>
        <lastmod>2026-02-18</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/november-2025-phone-impersonation-scams/</loc>
        <lastmod>2025-11-20</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/october-2025-remote-access-and-investment-scams/</loc>
        <lastmod>2025-10-16</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/september-2021-chinese-extortion-phone-scam/</loc>
        <lastmod>2025-10-01</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/latest-scams/september-2025-bank-card-collection-scam/</loc>
        <lastmod>2025-10-02</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/scam-academy/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/types-scams/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/recognise-scams-fraud/types-scams/romance-scam/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/reporting-fraud/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/reporting-fraud/been-scammed/</loc>
        <lastmod>2025-11-27</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/reporting-fraud/report-scam-fraud/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/reporting-fraud/something-suspicious/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/scams-fraud-target-businesses/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/scams-fraud-target-businesses/protect-your-business/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/scams-fraud-target-businesses/types-business-scams/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/banking-safely/scams-fraud-target-businesses/using-ado-safely/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/</loc>
        <lastmod>2026-03-19</lastmod>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/</loc>
        <lastmod>2026-03-19</lastmod>
        <priority>0.5</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/electric-vehicles/</loc>
        <lastmod>2026-03-06</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/harvesting-rainwater/</loc>
        <lastmod>2026-03-06</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/home-and-water-heating/</loc>
        <lastmod>2026-03-27</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/home-insulation/</loc>
        <lastmod>2026-03-06</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/home-more-energy-efficient/</loc>
        <lastmod>2026-02-17</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/home-ventilation/</loc>
        <lastmod>2026-03-06</lastmod>
        <priority>0.6</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/environmental-sustainability/energy-efficient-home/solar-energy/</loc>
        <lastmod>2026-03-06</lastmod>
        <priority>0.6</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-hardship/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-hardship/how-to-apply/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.7</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-hardship/how-we-can-help/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.7</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.8</priority>
    </url>
    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.6</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/buy-a-house/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/combine-income/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/having-a-baby/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/help-kids-buy-a-house/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/insurance-know-how/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/investing-vs-saving/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/save-for-future/</loc>
        <lastmod>2026-03-05</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/life-events/teamwork-savings/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.5</priority>
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    <url>
        <loc>https://www.anz.co.nz/banking-with-anz/financial-wellbeing/articles/money-habits/</loc>
        <lastmod>2026-03-09</lastmod>
        <priority>0.5</priority>
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    <url>
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