S/N: EN05311003239860

Consolidated Statement
, "%






%)
)
,
SRINIVASAN RAMACHANDRAN
BLK 713 YISHUN STREET 71
#02-220 YISHUN
SINGAPORE 760713
.-0-0-./0--00-0-0-/.0/-.0/0.-0

Account Summary as at 31 Oct 2022

Deposits

Current and Savings Account Total: SGD Equivalent 11,073.24

Summary of Currency Breakdown:

SGD 11,073.24

Account Account No. Balance Balance

(Base Currency) (SGD Equivalent)

POSB eSavings Account 133-14597-4 SGD 11,038.73 11,038.73

DBS eMulti-Currency Autosave Account 120-423641-0 SGD 34.51 34.51
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

Investment

Unit Trusts Total Market Value: SGD 3,588.99

Account: IN000255929

Fund Name No. of Units Current Unit Market Value Market Value
Price (Base Currency) (SGD Equivalent)
(Base Currency @
Value Date)

ABF Singapore Bond Index - SGD - Ydis 3,520.00 1.019600 SGD 3,588.99 3,588.99
- Cash @ 31/10/2022

Account Summary as of 31 Oct 2022 Page 1 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226
 Transaction Details as at 31 Oct 2022
Deposits

POSB eSavings Account Account No. 133-14597-4

Date Description Withdrawal (-) Deposit (+) Balance (SGD)

Balance Brought Forward 5,038.32

01/10/2022 CashCard/FlashPay Top-up 20.00 5,018.32
36921053,KHATIB MRT ST2
1111700242630905
01/10/2022 Concession Card Top Up 20.00 4,998.32
36921053,KHATIB MRT ST2
8009200002813136
02/10/2022 Point-of-Sale Transaction 13.80 4,984.52
33887463,ANANTHA AYURVEDIC HEALTH
NETS
04/10/2022 Cash Withdrawal 50.00 4,934.52
36921053,NTUC NHPT CITY
04/10/2022 Point-of-Sale Transaction 7.70 4,926.82
36921053,KARTHIKA ENTERPRISES PTE
NETS
05/10/2022 Payments / Collections via GIRO 223.10 5,149.92
DIGITAL SINGAPORE1 PTE LTD
438677
SUPPLIER PAYMENT
06/10/2022 Point-of-Sale Transaction 23.00 5,126.92
36921053,GIANT
NETS
06/10/2022 Payments / Collections via GIRO 148.48 4,978.44
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

IRAS
ITX
S7765055E
07/10/2022 CashCard/FlashPay Top-up 20.00 4,958.44
36921053,BUFFALO RD662C
1111700242630905
07/10/2022 Point-of-Sale Transaction 10.00 4,948.44
36921053,VMYSTIQUE PTE LTD
NETS
07/10/2022 Point-of-Sale Transaction 300.00 4,648.44
36921053,GRT RETAIL INTERNATIONAL
NETS
07/10/2022 Point-of-Sale Transaction 9.00 4,639.44
36921053,SG SOUVENIRS N GIFTS
NETS
07/10/2022 Point-of-Sale Transaction 18.80 4,620.64
36921053,5MS ENTERPRISE PTE LTD
NETS
Balance Carried Forward 4,620.64

Transaction Details as of 31 Oct 2022 Page 2 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226
 POSB eSavings Account Account No. 133-14597-4

Date Description Withdrawal (-) Deposit (+) Balance (SGD)

Balance Brought Forward 4,620.64

07/10/2022 Point-of-Sale Transaction 13.00 4,607.64
36921053,S K TRADINGS
NETS
07/10/2022 Point-of-Sale Transaction 15.30 4,592.34
36921053,A1 FAMOUS
NETS
07/10/2022 Point-of-Sale Transaction 883.00 3,709.34
36921053,MUSTAFA'S PTE LTD
NETS
08/10/2022 Point-of-Sale Transaction 13.10 3,696.24
36921053,ANANTHA AYURVEDIC HEALTH
NETS
08/10/2022 Point-of-Sale Transaction 25.90 3,670.34
36921053,ONLY PTE LTD
NETS
08/10/2022 Cash Withdrawal 40.00 3,630.34
36921053,NORTHPOINT L2
11/10/2022 Payments / Collections via GIRO 10.00 3,620.34
TPG TELECOM PTE. LTD.
222810002E02113
2X5D0A3721X988B
13/10/2022 Cash Withdrawal 70.00 3,550.34
36921053,YISHUN WEST B2
13/10/2022 FAST Payment / Receipt 160.00 3,390.34
PAYNOW TRANSFER
TO: TOTS TOWN PRESCHOOL @ YISHUN
TAVINESH K2
OTHER
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

16/10/2022 Funds Transfer 200.00 3,590.34

I-BANK
SHIEKH MUSTRI MUDASSAR
FT RAMA
16/10/2022 D2P 200.00 3,390.34
AXS PTE LTD 20221016082145246
D2PAY
16/10/2022 Bill Payment 200.00 3,190.34
DCL -0823785637 : I-BANK
16/10/2022 Bill Payment 334.00 2,856.34
DBSC-5520380013761107 : I-BANK
16/10/2022 FAST Payment / Receipt 200.00 2,656.34
CSL:1906951181:I-BANK
CITI BT
101516734891
CREDIT CARD PAYMENT
16/10/2022 Point-of-Sale Transaction 6.85 2,649.49
36921053,IECON-KIM ENG MINI SUPERM
NETS
Balance Carried Forward 2,649.49

Transaction Details as of 31 Oct 2022 Page 3 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226
 POSB eSavings Account Account No. 133-14597-4

Date Description Withdrawal (-) Deposit (+) Balance (SGD)

Balance Brought Forward 2,649.49

16/10/2022 Point-of-Sale Transaction 8.50 2,640.99
36921053,SKP PTE LTD
NETS
16/10/2022 Point-of-Sale Transaction 9.10 2,631.89
36921053,KARTHIKA ENTERPRISES PTE
NETS
17/10/2022 CashCard/FlashPay Top-up 20.00 2,611.89
36921053,YISHUN WEST B1
1111700242630905
17/10/2022 Payments / Collections via GIRO 6.00 2,605.89
NATIONAL KIDNEY FOUNDATION
GIRO (05 OCT 2022 TO 20 OCT 2022)
N7147622
17/10/2022 Cash Withdrawal 50.00 2,555.89
36921053,YISHUN WEST B1
17/10/2022 Cash Withdrawal 80.00 2,475.89
33887463,YISHUN/744A
18/10/2022 Cash Withdrawal 100.00 2,375.89
36921053,YISHUN W BR3
18/10/2022 Debit Card Transaction 19.30 2,356.59
SRI MURUGAN TRADING-GV SI NG 15OCT
5548-2740-3388-7463
18/10/2022 Point-of-Sale Transaction 30.00 2,326.59
36921053,SAKINAH FASHION ENTERPRIS
NETS
18/10/2022 Point-of-Sale Transaction 27.20 2,299.39
36921053,SAKUNTHALA'S GOURMET
NETS
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

18/10/2022 Point-of-Sale Transaction 20.00 2,279.39

36921053,HOLA MOBILE PITSHOP
NETS
18/10/2022 Payments / Collections via GIRO 76.00 2,203.39
NEESOONTOWNCOUNCIL
YS-GDED-0000005212494
C81540042950
20/10/2022 Point-of-Sale Transaction 26.30 2,177.09
36921053,ANANTHA AYURVEDIC HEALTH
NETS
20/10/2022 Point-of-Sale Transaction 17.80 2,159.29
36921053,SKP PTE LTD
NETS
21/10/2022 Salary 7,620.88 9,780.17
TMF SPORE-DIGITAL SI
21/10/2022 CashCard/FlashPay Top-up 20.00 9,760.17
36921053,YISHUN WEST B2
1111700242630905
Balance Carried Forward 9,760.17

Transaction Details as of 31 Oct 2022 Page 4 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226
 POSB eSavings Account Account No. 133-14597-4

Date Description Withdrawal (-) Deposit (+) Balance (SGD)

Balance Brought Forward 9,760.17

21/10/2022 Point-of-Sale Transaction 46.70 9,713.47
36921053,ANANTHA AYURVEDIC HEALTH
NETS
21/10/2022 Point-of-Sale Transaction 59.00 9,654.47
33887463,ALLROUND MEDICAL
NETS
22/10/2022 Point-of-Sale Transaction 35.00 9,619.47
33887463,ALLROUND MEDICAL
NETS
23/10/2022 Point-of-Sale Transaction 29.95 9,589.52
36921053,ANANTHA AYURVEDIC HEALTH
NETS
23/10/2022 Cash Withdrawal 50.00 9,539.52
33887463,YISHUN NR EBC3
25/10/2022 Cash Withdrawal 30.00 9,509.52
33887463,YISHUN/744B
26/10/2022 Payments / Collections via GIRO 9.00 9,500.52
NTUC-UMS
S7765055E
26/10/2022 Debit Card Transaction 12.50 9,488.02
BEE'S BRAND - CPC SI NG 22OCT
5548-2740-3388-7463
26/10/2022 Bill Payment 0.12 9,487.90
DBSC-5520380013761107 : I-BANK
26/10/2022 Bill Payment 39.90 9,448.00
M1 -526878179 : I-BANK
26/10/2022 Bill Payment 28.56 9,419.44
ST -59875959 : I-BANK
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

26/10/2022 Bill Payment 787.64 8,631.80

CCC - 4524190601544644 :I-BANK
26/10/2022 Bill Payment 3.00 8,628.80
CCC - 5408770141786009 :I-BANK
26/10/2022 Bill Payment 271.69 8,357.11
CCC - 5188346921237004 :I-BANK
26/10/2022 Bill Payment 113.26 8,243.85
CCC - 5549390000484123 :I-BANK
26/10/2022 Payments / Collections via GIRO 460.00 7,783.85
MOE
MOEMOE BILL
T0770896Z
27/10/2022 Point-of-Sale Transaction 8.40 7,775.45
36921053,KARTHIKA ENTERPRISES PTE
NETS
27/10/2022 Point-of-Sale Transaction 15.75 7,759.70
36921053,IECON-KIM ENG MINI SUPERM
NETS
Balance Carried Forward 7,759.70

Transaction Details as of 31 Oct 2022 Page 5 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226
 POSB eSavings Account Account No. 133-14597-4

Date Description Withdrawal (-) Deposit (+) Balance (SGD)

Balance Brought Forward 7,759.70

27/10/2022 Cash Withdrawal 200.00 7,559.70
33887463,YISHUN/744B
27/10/2022 Payments / Collections via GIRO 85.00 7,644.70
INTEGRATED HEALTH PLANS PTE LTD
SGGP221026347858
OTHER
28/10/2022 Point-of-Sale Transaction 6.50 7,638.20
36921053,KARTHIKA ENTERPRISES PTE
NETS
28/10/2022 Payments / Collections via GIRO 66.00 7,572.20
HDB
HDB-INSTAL/RENT L81540042950
L81540042950
28/10/2022 Payments / Collections via GIRO 212.00 7,360.20
HDB
HDB-INSTAL/RENT H81540042950
H81540042950
29/10/2022 Point-of-Sale Transaction 31.70 7,328.50
36921053,GIANT
NETS
29/10/2022 Funds Transfer 170.00 7,158.50
TOP-UP TO PAYLAH! :
83066965
31/10/2022 CashCard/FlashPay Top-up 20.00 7,138.50
36921053,YISHUN WEST B2
1111700242630905
31/10/2022 FAST Payment / Receipt 4,000.00 11,138.50
SG20221031002027
20221031SCBLSG22BRT5862421
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

LOAN
31/10/2022 Funds Transfer 100.00 11,038.50
TOP-UP TO PAYLAH! :
83066965
31/10/2022 Interest Earned 0.23 11,038.73
4 4 4 4 4

Total Balance Carried Forward: 6,128.80 12,129.21 11,038.73

DBS eMulti-Currency Autosave Account Account No. 120-423641-0

Date Description Withdrawal (-) Deposit (+) Balance

CURRENCY: SINGAPORE DOLLAR

Balance Brought Forward SGD 34.51

31/10/2022 34.51

Total Balance Carried Forward in SGD: 0.00 0.00 34.51

Transaction Details as of 31 Oct 2022 Page 6 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226
 Messages For You

l Australia Residents - Banking Services and Investment Offerings

The Australian Securities and Investments Commission (“ASIC”) has postponed the implementation of the regulatory
changes that will affect the Bank’s ability to offer the full suite of financial products and services to clients residing in
Australia. We will implement these regulatory changes in first quarter 2023 at the latest to meet the ASIC’s implementation
deadline.

Existing clients residing in Australia who have a valid wholesale client certificate, may continue to purchase investment
products and services until the implementation date. For more information on the wholesale client certificate please visit
https://go.dbs.com/sg-auresident. We will inform you in due course of the implementation date.

l Update: Display of Fixed Deposit (FD) Transactions in Your Consolidated Statement

Your Personal and Joint FD account transactions will be displayed in your consolidated statement in 2023. You will be
updated again prior to the refreshed consolidation.

l Best execution policy for handling of customers’ orders

DBS has made available to you our Best Execution Policy that sets out our policies and procedures to place and/or execute
(i) customers’ orders on the best available terms (commonly referred to as “best execution”) and; (ii) comparable customers’
orders in accordance with the time of receipt of such orders.

When executing orders on our customers’ behalf, we will consider a range of execution factors. The factors may include
price, costs, speed, likelihood of execution and settlement, size and nature of the order, or any other considerations relevant
to the placement and/or execution of the order.

A copy of the DBS Wealth Management & Retail Best Execution Policy is available on our DBS website at
www.dbs.com.sg/bestexecution

l Update your personal particulars

Simply login to DBS/POSB digibank (mobile and online) to update any changes in your personal particulars.

For Your Information

DEPOSIT INSURANCE SCHEME
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the
Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate
SG40020000876 (08/2014) DBS Co. Reg. No. 196800306E GST Reg No: MR-8500180-3 / POSB Biz Reg No. 52880148A

per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment
Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per
Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not
insured.

GENERAL
Please examine this statement. Subject to any other applicable terms, please notify us of any error or discrepancy within fourteen
(14) days from the date of receipt of this statement.

GST on Investment Funds

Please note that all sales charges payable on fund transactions are inclusive of Goods and Services Tax at prevailing rate.

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For Terms and Codes, Product Disclaimers, and
more information, scan this QR code or visit
http://go.dbs.com/sg-products-information. Page 7 of 7

PDS_MMCON_X_ONSH_0b2d015100000030_04226