Financial statement | December 2023

13 12 21 8am to 7pm, weekdays

9am to 3pm Saturday
1300000000000000000000000000001011221021301222131313 enquiry@tmbank.com.au
T 003483 000
tmbank.com.au
MS R WU
237 Rathdowne Street
CARLTON VIC 3053

Member no 353375 Account summary

You have one $10 member share Account Type Account No Closing Balance
Statement no 1 S1 Everyday Direct Account 101062533 $0.00
BSB 812-170 S3 Online Savings Account 101062534 $0.00
L22 All Purpose Loan 101062012 -$31,186.03
TFN/ABN/Exemption not quoted

Financial Difficulty
No matter how well you plan your financial affairs, sometimes things don’t go to plan. If financial difficulty occurs,
we’re here to help. Call us on 13 12 21, or visit tmbank.com.au for more information. Page 1 of 7
Financial statement

S1 Everyday Direct Account | 101062533

EVERYDAY DIRECT
R Wu
Posting date Description Reference Debit Credit Balance
15 Sep Opening balance $0.00
....................................................................................................................................................................................................................................................
15 Sep Account Opened - 15 Sep 2023
....................................................................................................................................................................................................................................................
15 Sep Shares (Client 353375) $10.00 -$10.00
....................................................................................................................................................................................................................................................
16 Sep Tfr From 814282 51704625 Tfr Membership $10.00 $0.00
From-Ruohan Wu Shares
....................................................................................................................................................................................................................................................
21 Sep Tfr From 353375L22 $30,000.00 $30,000.00
....................................................................................................................................................................................................................................................
21 Sep Tfr To Ruohan Wu Thanks $2,000.00 $28,000.00
Receipt : 680681517 Mob
+61-412062394
....................................................................................................................................................................................................................................................
21 Sep ATM W/d 288 Lygon Str-17:42 422886 $1,000.00 $27,000.00
#443420******7651
....................................................................................................................................................................................................................................................
21 Sep Tfr To R Wu $2,000.00 $25,000.00
Receipt : 680681554
Mob R_wu00@hotmail.Com
....................................................................................................................................................................................................................................................
21 Sep Rev Tfr To R Wu $2,000.00 $27,000.00
Receipt : 680740832
Mob R_wu00@hotmail.Com
....................................................................................................................................................................................................................................................
21 Sep Tfr To R Wu Gsb2 $1,000.00 $26,000.00
Receipt : 680780000 Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
21 Sep ATM W/d 288 Lygon Str-18:47 423449 $1,000.00 $25,000.00
#443420******7651
....................................................................................................................................................................................................................................................
22 Sep ATM W/d CBA ATM 121 6046 $2,000.00 $23,000.00
E-01:13
#443420******7651
....................................................................................................................................................................................................................................................
22 Sep Tfr To R Wu Gsb2 $2,000.00 $21,000.00
Receipt : 681074771 Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
22 Sep Tfr To Ruohan Wu $2,000.00 $19,000.00
Receipt : 681144535
Mob +61-412062394
....................................................................................................................................................................................................................................................
23 Sep ATM W/d Carlton Branc-00:38 596024 $2,000.00 $17,000.00
#443420******7651
....................................................................................................................................................................................................................................................
23 Sep Tfr To Emily Snjaric $100.00 $16,900.00
Receipt : 681171661
Mob +61-473257445
....................................................................................................................................................................................................................................................
23 Sep Tfr To Emily Snjaric $900.00 $16,000.00
Receipt : 681191419
Mob +61-473257445
....................................................................................................................................................................................................................................................
23 Sep Tfr Rej Unsuccessful $900.00 $16,900.00
Payment [Tfr To Emily Snjaric
Mob +61-473257445]
....................................................................................................................................................................................................................................................
23 Sep Tfr To 353375S3 $100.00 $16,800.00
Receipt : 681171831
Mob To-R Wu
....................................................................................................................................................................................................................................................
continued >

Teachers Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 Page 2 of 7
28-38 Powell Street Homebush NSW 2140 PO Box 7501 Silverwater NSW 2128
Financial statement

S1 Everyday Direct Account | 101062533 (cont)

EVERYDAY DIRECT
Posting date Description Reference Debit Credit Balance
....................................................................................................................................................................................................................................................
23 Sep Tfr To R Wu Gsb2 $2,000.00 $14,800.00
Receipt : 681322494 Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
23 Sep Tfr Rej Unsuccessful Payment Gsb2] $2,000.00 $16,800.00
[Tfr To R Wu Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
24 Sep Tfr To R Wu Gsb2 $2,000.00 $14,800.00
Receipt : 681332406 Mob
Doad@ccmail.Uk
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
24 Sep Tfr Rej Unsuccessful Payment Gsb2] $2,000.00 $16,800.00
[Tfr To R Wu Mob
Doad@ccmail.Uk
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
24 Sep Tfr To Anna De Leon $3,000.00 $13,800.00
Receipt : 681350082
Online +61-421850722
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
24 Sep Tfr Rej Unsuccessful $3,000.00 $16,800.00
Payment [Tfr To Anna De Leon
Online +61-421850722]
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
24 Sep Tfr To Ruohan Wu $1,000.00 $15,800.00
Receipt : 681329820
Mob +61-412062394
....................................................................................................................................................................................................................................................
24 Sep Tfr Rej Unsuccessful $1,000.00 $16,800.00
Payment [Tfr To Ruohan Wu
Mob +61-412062394]
....................................................................................................................................................................................................................................................
24 Sep ATM W/d CBA ATM 374 $2,000.00 $14,800.00
Abbot-08:55
#443420******7651
....................................................................................................................................................................................................................................................
25 Sep Costco Wholesale Aus 092500218736 $69.99 $14,730.01
Docklands
#443420******7651
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
25 Sep Costco Wholesale Aus 092500218735 $557.21 $14,172.80
Docklands
#443420******7651
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
25 Sep ATM W/d CBA ATM 8631 $2,000.00 $12,172.80
Carlt-16:06
#443420******7651
....................................................................................................................................................................................................................................................
26 Sep Tfr To R Wu Gsb2 $2,000.00 $10,172.80
Receipt : 681934312 Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
26 Sep Tfr Rej Unsuccessful Payment Gsb2] $2,000.00 $12,172.80
[Tfr To R Wu Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
continued >

Page 3 of 7
Financial statement

S1 Everyday Direct Account | 101062533 (cont)

EVERYDAY DIRECT
Posting date Description Reference Debit Credit Balance
....................................................................................................................................................................................................................................................
26 Sep Tfr To R Wu Gsb2 $1,000.00 $11,172.80
Receipt : 681935371 Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
26 Sep Tfr Rej Unsuccessful Payment Gsb2] $1,000.00 $12,172.80
[Tfr To R Wu Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
26 Sep ATM W/d CBA ATM 3139 $2,000.00 $10,172.80
Centr-10:39
#443420******7651
....................................................................................................................................................................................................................................................
27 Sep KFC Carlton Carlton 092700970669 $15.25 $10,157.55
#443420******7651
(Effective date 23 Sep)
....................................................................................................................................................................................................................................................
27 Sep ATM W/d CBA ATM 2863 $2,000.00 $8,157.55
Colli-13:48
#443420******7651
....................................................................................................................................................................................................................................................
28 Sep ATM W/d Victoria Gard-10:02 703123 $2,000.00 $6,157.55
#443420******7651
....................................................................................................................................................................................................................................................
28 Sep Non rediATM fee -10:02 $3.00 $6,154.55
....................................................................................................................................................................................................................................................
29 Sep ATM W/d CBA ATM 9020 $2,000.00 $4,154.55
Carlt-19:27
#443420******7651
....................................................................................................................................................................................................................................................
30 Sep ATM W/d CBA ATM 9082 $2,000.00 $2,154.55
Carlt-18:12
#443420******7651
....................................................................................................................................................................................................................................................
02 Oct ATM W/d Preston Branc-05:00 801378 $700.00 $1,454.55
#443420******7651
....................................................................................................................................................................................................................................................
02 Oct ATM W/d Carlton Branc-11:36 804199 $1,300.00 $154.55
#443420******7651
....................................................................................................................................................................................................................................................
02 Oct Tfr From 353375S3 $100.00 $254.55
Receipt : 684062125
Mob
....................................................................................................................................................................................................................................................
02 Oct Tfr To R Wu Gsb2 $135.00 $119.55
Receipt : 684058185 Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
02 Oct Tfr Rej Unsuccessful Payment Gsb2] $135.00 $254.55
[Tfr To R Wu Mob
Doad@ccmail.Uk
....................................................................................................................................................................................................................................................
02 Oct Tfr To H Pham Here $80.00 $174.55
Receipt : 684088031 Mob
Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
02 Oct Tfr Rej Unsuccessful Here] $80.00 $254.55
Payment [Tfr To H Pham Mob
Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
02 Oct Tfr To H Pham Here $80.00 $174.55
Receipt : 684046917 Online
Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
continued >

Page 4 of 7
Financial statement

S1 Everyday Direct Account | 101062533 (cont)

EVERYDAY DIRECT
Posting date Description Reference Debit Credit Balance
....................................................................................................................................................................................................................................................
02 Oct Tfr Rej Unsuccessful Here] $80.00 $254.55
Payment [Tfr To H Pham
Online Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
02 Oct Tfr To H Pham Here $80.00 $174.55
Receipt : 684046921 Online
Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
02 Oct Tfr Rej Unsuccessful Here] $80.00 $254.55
Payment [Tfr To H Pham
Online Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
03 Oct Tfr To H Pham $50.00 $204.55
Receipt : 684103161
Mob 063114 10621895
....................................................................................................................................................................................................................................................
03 Oct Tfr Rej By 063114 CBA $50.00 $254.55
Carlton Unsuccessful Payment
[Tfr To H Pham Mob 063114
10621895]
....................................................................................................................................................................................................................................................
03 Oct Tfr To 063114 10621895 $50.00 $204.55
Receipt : 684089436
Mob To-H Pham
....................................................................................................................................................................................................................................................
03 Oct Tfr To H Pham Here $30.00 $174.55
Receipt : 684089437 Mob
Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
03 Oct Tfr Rej Unsuccessful Here] $30.00 $204.55
Payment [Tfr To H Pham Mob
Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
03 Oct Tfr To H Pham $30.00 $174.55
Receipt : 684089440
Mob 063114 10621895
....................................................................................................................................................................................................................................................
03 Oct Tfr Rej By 063114 CBA $30.00 $204.55
Carlton Unsuccessful Payment
[Tfr To H Pham Mob 063114
10621895]
....................................................................................................................................................................................................................................................
03 Oct Tfr To H Pham $25.00 $179.55
Receipt : 684088468
Mob Vu.Pham@live.Com.au
....................................................................................................................................................................................................................................................
03 Oct Tfr Rej Unsuccessful $25.00 $204.55
Payment [Tfr To H Pham Mob
Vu.Pham@live.Com.au]
....................................................................................................................................................................................................................................................
04 Oct Telstra Services Melbourne 100400413834 $132.80 $71.75
#443420******7651
(Effective date 02 Oct)
....................................................................................................................................................................................................................................................
04 Oct McDonalds Clifton Hil Clifton 100400812978 $40.80 $30.95
Hill
#443420******7651
(Effective date 02 Oct)
....................................................................................................................................................................................................................................................
continued >

Page 5 of 7
Financial statement

S1 Everyday Direct Account | 101062533 (cont)

EVERYDAY DIRECT
Posting date Description Reference Debit Credit Balance
....................................................................................................................................................................................................................................................
05 Oct McDonalds Prahran Prahran 100500852448 $29.40 $1.55
#443420******7651
(Effective date 03 Oct)
....................................................................................................................................................................................................................................................
08 Oct Tfr To Nine25 Test $1.00 $0.55
Receipt : 685899329 Mob
803320 101107373
....................................................................................................................................................................................................................................................
08 Oct Tfr Rej By 803320 Cru Test] $1.00 $1.55
Assembly Payments Pty Ltd
Unsuccessful Payment [Tfr To
Nine25 Mob 803320 101107373
....................................................................................................................................................................................................................................................
08 Oct Tfr To 803320 101107373 Test $1.00 $0.55
Receipt : 685876809 Mob
To-Nine25
....................................................................................................................................................................................................................................................
22 Nov Tfr To 353375L22 $0.55 $0.00
(Auth 3633377)
....................................................................................................................................................................................................................................................
09 Dec Paypal *Ozsaleptyli -03:10 $731.62
#443420******7651
....................................................................................................................................................................................................................................................
09 Dec POS Rej Insufficient Funds
....................................................................................................................................................................................................................................................
09 Dec Paypal *Ozsaleptyli -03:10 $731.62
#443420******7651
....................................................................................................................................................................................................................................................
09 Dec POS Rej Insufficient Funds
....................................................................................................................................................................................................................................................
09 Dec Paypal *Ozsaleptyli -03:12 $731.62
#443420******7651
....................................................................................................................................................................................................................................................
09 Dec POS Rej Insufficient Funds
....................................................................................................................................................................................................................................................
09 Dec Paypal *Ozsaleptyli -03:12 $731.62
#443420******7651
....................................................................................................................................................................................................................................................
09 Dec POS Rej Insufficient Funds
....................................................................................................................................................................................................................................................
09 Dec Paypal *Ozsaleptyli -03:14 $731.62
#443420******7651
....................................................................................................................................................................................................................................................
09 Dec POS Rej Insufficient Funds
31 Dec Closing Balance $0.00

S3 Online Savings Account | 101062534

R Wu
Posting date Description Reference Debit Credit Balance
15 Sep Opening balance $0.00
....................................................................................................................................................................................................................................................
15 Sep Account Opened - 15 Sep 2023
....................................................................................................................................................................................................................................................
23 Sep Tfr From 353375S1 $100.00 $100.00
Receipt : 681171831
Mob
....................................................................................................................................................................................................................................................
02 Oct Tfr To 353375S1 $100.00 $0.00
Receipt : 684062125
Mob To-R Wu
31 Dec Closing Balance $0.00

Page 6 of 7
Financial statement

L22 All Purpose Loan | 101062012 Variable Current rate is 11.99% pa

R Wu
Posting date Description Reference Debit Credit Balance
13 Sep Opening balance $0.00
....................................................................................................................................................................................................................................................
21 Sep Personal Loan Application Fee $100.00 -$100.00
11.990% P.a. Interest Rate
....................................................................................................................................................................................................................................................
21 Sep Loan To A/C 353375S1 $30,000.00 -$30,100.00
....................................................................................................................................................................................................................................................
30 Sep Loan interest $98.88 -$30,198.88
....................................................................................................................................................................................................................................................
24 Oct Arrears administration fee $10.00 -$30,208.88
....................................................................................................................................................................................................................................................
31 Oct Loan interest $307.55 -$30,516.43
....................................................................................................................................................................................................................................................
31 Oct Arrears administration fee $10.00 -$30,526.43
....................................................................................................................................................................................................................................................
22 Nov Tfr From 353375S1 $0.55 -$30,525.88
(Auth 3633377)
....................................................................................................................................................................................................................................................
22 Nov Default Notice $25.00 -$30,550.88
....................................................................................................................................................................................................................................................
30 Nov Loan interest $300.90 -$30,851.78
....................................................................................................................................................................................................................................................
13 Dec Arrears administration fee $10.00 -$30,861.78
....................................................................................................................................................................................................................................................
27 Dec Arrears administration fee $10.00 -$30,871.78
....................................................................................................................................................................................................................................................
31 Dec Loan interest $314.25 -$31,186.03
31 Dec Closing Balance -$31,186.03

Please check all entries and promptly report any errors or unauthorised transactions. We recommend that you retain this
statement for future reference. If you would like more information, to provide feedback or to make a complaint, please call us.

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.
W: www.afca.org.au T: 1800 931 678 (free call) E: info@afca.org.au Post: Australian Financial Complaints Authority, GPO Box 3,
Melbourne VIC 3001

Page 7 of 7
OpticsMemeberID:353375,20231231