{"id":"court_sdny_81_9","court":"SDNY","case_no":"23-cr-00118","doc_number":81,"sub_number":9,"doc_type":"ORDER","filed_date":"2023-06-05","title":"EXHIBIT G United States v. Yanping Wang*, Case No.: S1 23-CR-118 (AT)","summary_zh":"银行对账单（证据材料） —— 美国诉 Ho Wan Kwok（郭文贵 / Guo Wengui / Miles Guo）案，SDNY 1:23-cr-00118 ECF 81（2023年6月5日）。被告 Yanping Wang 名下 TD Bank 账户的对账单，属案件复杂发现材料的一部分。","summary_en":"Bank account statement (evidentiary material) — United States v. Ho Wan Kwok (Miles Guo), SDNY 1:23-cr-00118, ECF 81 (filed June 5, 2023). Account statement from defendant Yanping Wang's TD Bank account, part of voluminous discovery materials in the case.","body_en":"# EXHIBIT G\n\n*United States v. Yanping Wang*, Case No.: S1 23-CR-118 (AT)\n\n: ank\n\n![](_page_1_Picture_2.jpeg)\n\nGo paperiess, an the OR code\nLin to populasi\n\nAmerica's Most Convenient Bank®\n\nSTATEMENT OF ACCOUNT\n\nAV 01 206443 33887E517 A\\*\\* 5DGT\n\n| Page:              |  |\n|--------------------|--|\n| Statement Period:  |  |\n| Cust Ref #:        |  |\n| Primary Account #: |  |\n\n1 of 3 Jul 01 2021-Sep 30 2021\n\nt Ref #:\nmary Account #:\n\nul 01 2021-Sep 30 2021\n\nերագի հինչևիցի դրից հանդիպումից հանդի\n\n### Important Account Information\n\nPrivacy Notice: Our privacy notice describes how we collect, share and protect your personal information. It has not materially changed since May 2015. For a copy, go to tdbank.com/exc/pdf/privacy\\_shareinformation.pdfor\\_call 888-937-1050.\n\nT\n\nOverdraft Policy Change Effective October 15, 2021: The following change applies to Personal Savings Accounts and Personal Money Market Accounts without check access: TD is making a change to reduce Customer overdraff these accounts. We are capping the number of overdraft fees we charge each day from five (5) down to three (3), per account.\n\nTD Beyond Savings\n\nYANPING WANG\n\nYANPING WANG\n\nAccount #\n\n## Upcoming Changes Effective April 1, 2021\n\nWe are making changes to the way we're managing transaction limits on our non-transactional accounts. All non- transactional savings and money market accounts are allowed six (6) pre-authorized, automatic, electronic (including computer or mobile initiated) telephone withdrawals or transfers, payments by check, or similar order payable to third parties or made payable to yourself each month. Your account will be charged a \\$9 fee for the seventh (7th) and each additional transaction for the remainder of the month. Your account will no longer be converted to a transactional account. For more information, please refer to the Business Deposit Account Agreement or Personal Deposit Account Agreement, both available at td.com\n\n| ACCOUNT SUMMARY     |            |\n|---------------------|------------|\n| Beginning Balance   | 325,584.67 |\n| Electronic Deposits | 20,000.00  |\n| Other Credits       | 42.01      |\n| Electronic Payments | 10,000.00  |\n| Other Withdrawals   | 42,330.00  |\n| Ending Balance      | 293,296.68 |\n\nInterest Earned This Period Interest Paid Year-to-Date Annual Percentage Yield Earned Days in Period\n\n| 1                        | 1<br>                                                                 |\n|--------------------------|-----------------------------------------------------------------------|\n| 4<br>2<br>4              | 4000                                                                  |\n| O OO N<br>000<br>96<br>0 | <br>. In Colonaria as a f<br>.<br><br>BERG R. R BERT<br>and Regal Lea |\n| 9<br>2                   | REALER BELLE<br>10.00 10.00<br>DOGS. B.                               |\n\n206443 1/2\n\n| DAILY ACCOUNT ACTIVITY |                                                                       |           |           |\n|------------------------|-----------------------------------------------------------------------|-----------|-----------|\n| Electronic Deposits    |                                                                       |           |           |\n| POSTING DATE           | DESCRIPTION                                                           |           | AMOUNT    |\n| 08/09                  | eTransfer Credit. Online Xfer<br>Transfer from [Image: obscured text] |           | 20,000.00 |\n|                        |                                                                       | Subtotal: | 20,000.00 |\n| Other Credits          |                                                                       |           |           |\n| POSTING DATE           | DESCRIPTION                                                           |           | AMOUNT    |\n| 07/31                  | INTEREST PAID                                                         |           | 13.83     |\n| 08/31                  | INTEREST PAID                                                         |           | 14.45     |\n| 09/30                  | INTEREST PAID                                                         |           | 13.73     |\n|                        |                                                                       | Subtotal: | 42.01     |\n\nCall 1-800-937-2000 for 24-hour Bank-by-Phone services or connect to www.tdbank.com\n\n# How to Balance your Account\n\nBegin by adjusting your account register 1 Your ending balance shown on this as follows:\n\n- · Subtract any services charges shown on this statement.\n- · Subtract any automatic payments, transfers or other electronic withdrawals not previously recorded.\n- · Add any interest earned if you have an interest-bearing account.\n- · Add any automatic deposit or overdraft line of credit.\n- · Review all withdrawals shown on this statement and check them off in your account register.\n- · Follow instructions 2-5 to verify your ending account balance.\n- statement is:\n- 2. List below the amount of deposits or credit transfers which do not appear on this statement. Total the deposits and enter on Line 2.\n- 3. Subtotal by adding lines 1 and 2.\n- 4. List below the total amount of withdrawals that do not appear on this statement. Total the withdrawals and enter on Line 4.\n- 5. Subtract Line 4 from 3. This adjusted balance should equal your account balance.\n\n![](_page_2_Figure_14.jpeg)\n\n2 of 3\n\nPage:\n\n| (2) DEPOSITS NOT<br>ON STATEMENT | DOLLARS | CENTS |\n|----------------------------------|---------|-------|\n|                                  |         |       |\n|                                  |         |       |\n|                                  |         |       |\n|                                  |         |       |\n| Total Deposits                   |         |       |\n\n| 4<br>WITHDRAWALS NOT<br>ON STATEMENT | DOLLARS | CENTS |\n|--------------------------------------|---------|-------|\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n| WITHDRAWALS NOT<br>ON STATEMENT      | DOLLARS | CENTS |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n| Total<br>Withdrawals                 |         |       |\n\n#### FOR CONSUMER ACCOUNTS ONLY - IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:\n\nIf you need information about an electronic fund transfer or if you believe there is an error on your bank statement or receipt relating to an electronic fund transfer, telephone the bank immediately at the phone number listed on the front of your statement or write to:\n\n#### TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, Maine 04243-1377\n\nWe must hear from you no later than sixty (60) calendar days after we sent you the first statement upon which the error or problem first appeared. When contacting the Bank, please explain as clearly as you can why you believe there is an error or why more information is needed. Please include:\n\n- Your name and account number.\n- A description of the error or transaction you are unsure about.\n- · The dollar amount and date of the suspected error.\n\nWhen making a verbal inquiry, the Bank may ask that you send us your complaint in writing within ten (10) business days after the first telephone call.\n\nWe will investigate your complaint and will correct any error promptly. If we take more than ten (10) business days to do this, we will credit your account for the amount you think is in error, so that you have the use of the money during the time it takes to complete our investigation.\n\n#### INTEREST NOTICE\n\nTotal interest credited by the Bank to you this year will be reported by the Bank to the Internal Revenue Service and State tax authorities. The amount to be reported will be reported separately to you by the Bank.\n\n#### FOR CONSUMER LOAN ACCOUNTS ONLY - BILLING RIGHTS SUMMARY\n\nIn case of Errors or Questions About Your Bill:\n\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us at P.O. Box 1377. Lewiston, Maine 04243-1377 as soon as possible. We must hear from you no later than sixty (60) days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:\n\n- · Your name and account number.\n- The dollar amount of the suspected error.\n- Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.\n\nYou do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.\n\nFINANCE CHARGES: Although the Bank uses the Daily Balance method to calculate the finance charge on your Moneyline/Overdraft Protection account (the term \"ODP\" or \"OD\" refers to Overdraft Protection), the Bank discloses the Average Daily Balance on the periodic statement as an easier method for you to calculate the finance charge. The finance charge begins to accrue on the date advances and other debits are posted to your account and will continue until the balance has been paid in full. To compute the finance charge, multiply the Average Daily Balance times the Days in Period times the Daily Periodic Rate (as listed in the Account Summarysection on the front of the statement). The Average Daily Balance is calculated by adding the balance for each day of the billing cycle, then dividing the total balance by the number of Days in the Billing Cycle. The daily balance is the balance for the day after advances have been added and payments or credits have been subtracted blus on minus any other adjustments that might have occurred that day. There is no grace period during which no finance charge accrues. Finance charge adjustments are included in your total finance charge.\n\n![](_page_3_Picture_1.jpeg)\n\nYANPING WANG\n\nAmerica's Most Convenient Bank®\n\n#### STATEMENT OF ACCOUNT\n\n| Page:              |   |\n|--------------------|---|\n| Statement Period:  | J |\n| Cust Ref #:        |   |\n| Primary Account #: |   |\n\n206443 2/2\n\nDAILY ACCOUNT ACTIVITY Electronic Payments AMOUNT POSTING DATE DESCRIPTION 10,000.00 09/13 eTransfer Debit, Online Xfer Transfer to Subtotal: 10,000.00 Other Withdrawals POSTING DATE DESCRIPTION AMOUNT 42,300.00 09/27 WIRE OUTGOING, Himalaya Internati 30.00 09/27 WIRE FEE Subtotal: 42,330.00\n\nCall 1-800-937-2000 for 24-hour Bank-by-Phone services or connect to www.tdbank.com\n\n![](_page_4_Picture_0.jpeg)\n\n205898 1/1\n\nት የሚገኝ ነው። የጥንተ፡ንጥር ጥናት (ኬሚስትሪ) ነው። የጥንተ፡ንጥር ጥናት (ኬሚስትሪ) የሚያስተዋል። የጥንተ፡ንጥር ጥናት (ኬሚስትሪ) የሚያስተዋል። የጥንተ፡ንጥር ጥናት (ኬሚስትሪ)\n\nmade payable to yourself each month. Your account will be charged a \\$9 fee for the seventh (7th) and each additional transaction for the remainder of the month. Your account will no longer be converted to a transactional account. For more information, please refer to the Business Deposit Account Agreement or Personal Deposit Account Agreement, both available at td.com\n\n| ACCOUNT SUMMARY     |            |                                |        |\n|---------------------|------------|--------------------------------|--------|\n| Beginning Balance   | 293,296.68 | Interest Earned This Period    | 43.00  |\n| Electronic Deposits | 30,000.00  | Interest Paid Year-to-Date     | 251.64 |\n| Other Credits       | 42,343.00  | Annual Percentage Yield Earned | 0.05%  |\n| Ending Balance      | 365,639.68 | Days in Period                 | 92     |\n\n| DAILY ACCOUNT ACTIVITY |                                                |           |           |\n|------------------------|------------------------------------------------|-----------|-----------|\n| Electronic Deposits    |                                                |           |           |\n| POSTING DATE           | DESCRIPTION                                    |           | AMOUNT    |\n| 11/09                  | eTransfer Credit, Online Xfer<br>Transfer from |           | 10,000.00 |\n| 12/13                  | eTransfer Credit, Online Xfer<br>Transfer from |           | 10,000.00 |\n| 12/27                  | eTransfer Credit, Online Xfer<br>Transfer from |           | 10,000.00 |\n|                        |                                                | Subtotal: | 30,000.00 |\n| Other Credits          |                                                |           |           |\n| POSTING DATE           | DESCRIPTION                                    |           | AMOUNT    |\n| 10/07                  | WIRE INCOMING, FV BANK INTERNATIO              |           | 42,300.00 |\n| 10/31                  | INTEREST PAID                                  |           | 13.90     |\n| 11/30                  | INTEREST PAID                                  |           | 14.10     |\n| 12/31                  | INTEREST PAID                                  |           | 15.00     |\n\nCall 1-800-937-2000 for 24-hour Bank-by-Phone services or connect to www.tdbank.com\n\nBegin by adjusting your account register as follows:\n\n- · Subtract any services charges shown on this statement.\n- · Subtract any automatic payments, transfers or other electronic withdrawals not previously recorded.\n- · Add any interest earned if you have an interest-bearing account.\n- · Add any automatic deposit or overdraft line of credit.\n- · Review all withdrawals shown on this statement and check them off in your account register.\n- · Follow instructions 2-5 to verify your ending account balance.\n- 1. Your ending balance shown on this statement is:\n- 2. List below the amount of deposits or credit transfers which do not appear on this statement. Total the deposits and enter on Line 2.\n- 3. Subtotal by adding lines 1 and 2.\n- 4. List below the total amount of withdrawals that do not appear on this statement. Total the withdrawals and enter on Line 4.\n- 5. Subtract Line 4 from 3. This adjusted balance should equal your account balance.\n\n![](_page_5_Figure_13.jpeg)\n\n| 2<br>DEPOSITS NOT<br>ON STATEMENT | DOLLARS | CENTS |\n|-----------------------------------|---------|-------|\n|                                   |         |       |\n|                                   |         |       |\n|                                   |         |       |\n|                                   |         |       |\n|                                   |         |       |\n| Total Deposits                    |         |       |\n\n| 4<br>WITHDRAWALS NOT<br>ON STATEMENT | DOLLARS | CENTS |\n|--------------------------------------|---------|-------|\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n| WITHDRAWALS NOT<br>ON STATEMENT      | DOLLARS | CENTS |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n|                                      |         |       |\n| Total<br>Withdrawals                 |         | 4     |\n\n#### FOR CONSUMER ACCOUNTS ONLY - IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS:\n\nIf you need information about an electronic fund transfer or if you believe there is an error on your bank statement or receipt relating to an electronic fund transfer, telephone the bank immediately at the phone number listed on the front of your statement or write to\n\n#### TD Bank, N.A., Deposit Operations Dept, P.O. Box 1377, Lewiston, Maine 04243-1377\n\nWe must hear from you no later than sixty (60) calendar days after we sent you the first statement upon which the error or problem first appeared. When contacting the Bank, please explain as clearly as you can why you believe there is an error or why more information is needed. Please include:\n\n- Your name and account number.\n- A description of the error or transaction you are unsure about.\n\nThe dollar amount and date of the suspected error. When making a verbal inquiry. the Bank may ask that you send us your complaint in writing within ten (10) business days after the first telephone call.\n\nWe will investigate your complaint and will correct any error promptly. If we take more than ten (10) business days to do this, we will credit your account for the amount you think is in error, so that you have the use of the money during the time it takes to complete our investigation\n\n#### INTEREST NOTICE\n\nTotal interest credited by the Bank to you this year will be reported by the Bank to the Internal Revenue Service and State tax authorities. The amount to be reported will be reported separately to you by the Bank.\n\n#### FOR CONSUMER LOAN ACCOUNTS ONLY - BILLING RIGHTS SUMMARY\n\nIn case of Errors or Questions About Your Bill:\n\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us at P.O. Box 1377, Lewiston, Maine 04243-1377 as soon as possible. We must hear from you no later than sixty (60) days after we sent you the FIRST bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:\n\n- Your name and account number.\n- The dollar amount of the suspected error.\n- Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about.\n\nYou do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.\n\nFINANCE CHARGES: Although the Bank uses the Daily Balance method to calculate the finance charge on your Moneyline/Overdraft Protection account (the term \"ODP\" or \"OD\" refers to Overdraft Protection), the Bank discloses the Average Daily Balance on the periodic statement as an easier method for you to calculate the finance charge. The finance charge begins to accrue on the date advances and other debits are posted to your account and will continue until the balance has been paid in full. To compute the finance charge, multiply the Average Daily Balance times the Days in Period times the Daily Periodic Rate (as listed in the Account Summarysection on the front of the statement). The Average Daily Balance is calculated by adding the balance for each day of the billing cycle, then dividing the total balance by the number of Days in the Billing Cycle. The daily balance is the balance for the day after advances have been added and payments or credits have been subtracted plus or minus any other adjustments that might have occurred that day. There is no grace period during which no finance charge accrues. Finance charge adjustments are included in your total finance charge.","body_zh":"证据 G\n\n美国诉 Yanping Wang（王雁平），案号：S1 23-CR-118 (AT)\n\n: 银行\n\n![](_page_1_Picture_2.jpeg)\n\n走向无纸化，扫描二维码\n链接至普及\n\n全美最便利银行®（America's Most Convenient Bank®）\n\n账户对账单\n\nAV 01 206443 33887E517 A** 5DGT\n页码：\n对账单周期：\n客户参考号：\n主账号：\n\n1 共 3 2021年7月1日 - 2021年9月30日\n\n客户参考号：\n主账号：\n\n2021年7月1日 - 2021年9月30日\n\n重要账户信息\n\n隐私声明：我们的隐私声明说明了我们如何收集、共享和保护您的个人信息。自2015年5月以来未发生实质性变更。如需获取副本，请访问 tdbank.com/exc/pdf/privacy_shareinformation.pdf 或致电 888-937-1050。\n\nT\n\n透支政策变更，自2021年10月15日起生效：以下变更适用于无支票功能的个人储蓄账户和个人货币市场账户：TD 正在进行变更以减少客户在这些账户上的透支。我们将每个账户每天收取的透支费次数上限从五（5）次降至三（3）次。\n\nTD 进阶储蓄（TD Beyond Savings）\n\nYANPING WANG（王雁平）\n\nYANPING WANG（王雁平）\n\n账号 #\n即将发生的变更，自2021年4月1日起生效\n\n我们正在对非交易类账户的交易限额管理方式进行调整。所有非交易类储蓄和货币市场账户每月允许进行六（6）次预先授权、自动、电子（包括通过电脑或手机发起的）电话取款或转账、支票付款或向第三方或向您本人支付的类似指令。在当月剩余时间内，若发生第七（7）次及每笔额外交易，您的账户将被收取 $9 的费用。您的账户将不再被转换为交易类账户。欲了解更多信息，请参阅《企业存款账户协议》或《个人存款账户协议》，两份协议均可在 td.com 获取。\n账户摘要\n期初余额　325,584.67\n电子存入　20,000.00\n其他贷记　42.01\n电子支付　10,000.00\n其他取款　42,330.00\n期末余额　293,296.68\n\n本期已赚取利息 年初至今已支付利息 赚取的年收益率 本期天数\n1　1\n\n4000\nO OO N\n\n0\n. 在 Colonaria 作为一个\n.\n\nBERG R. R BERT\nand Regal Lea\n\nREALER BELLE\n10.00 10.00\nDOGS. B.\n\n206443 1/2\n每日账户明细\n电子存入\n入账日期　描述　金额\n08/09　电子转账贷记，网银转账\n转账自 [图像：遮挡文本]　20,000.00\n小计：　20,000.00\n其他贷记\n入账日期　描述　金额\n07/31　已付利息　13.83\n08/31　已付利息　14.45\n09/30　已付利息　13.73\n小计：　42.01\n\n致电 1-800-937-2000 获取24小时电话银行服务，或登录 www.tdbank.com\n如何核对您的账户\n\n首先按如下方式调整您的账户登记簿：\n\n- 减去本对账单上显示的任何服务费用。\n- 减去之前未记录的任何自动付款、转账或其他电子取款。\n- 如果您是有息账户，请加上任何赚取的利息。\n- 加上任何自动存入或透支信用额度。\n- 查看本对账单上显示的所有取款，并在您的账户登记簿中勾选核对。\n- 按照说明 2-5 核实您的期末账户余额。\n- 1. 本对账单上显示的您的期末余额为：\n- 2. 在下方列出未在本对账单上显示的存款或贷记转账金额。将存款合计并填入第 2 行。\n- 3. 将第 1 行和第 2 行相加得出小计。\n- 4. 在下方列出未在本对账单上显示的取款总额。将取款合计并填入第 4 行。\n- 5. 从第 3 行中减去第 4 行。该调整后余额应等于您的账户余额。\n\n![](_page_2_Figure_14.jpeg)\n\n页码：\n(2) 未显示在对账单上的存款　美元　美分\n总存款\n\n未显示在对账单上的取款　美元　美分\n未显示在对账单上的取款　美元　美分\n总取款\n仅适用于消费者账户 - 关于您的电子资金转账出现错误或疑问时的处理：\n\n如果您需要关于电子资金转账的信息，或者如果您认为您的银行对账单或与电子资金转账相关的收据存在错误，请立即拨打对账单正面所列的电话号码致电银行，或致函至：\nTD Bank, N.A.（道明银行）, Deposit Operations Dept, P.O. Box 1377, Lewiston, Maine 04243-1377\n\n我们必须在向您发出首次出现错误或问题的对账单后六十（60）个日历日内收到您的来信。与银行联系时，请尽可能清晰地解释您认为存在错误的原因或为何需要更多信息。请包含：\n\n- 您的姓名和账号。\n- 您不确定的错误或交易的描述。\n- 涉嫌错误的金额和日期。\n\n在进行口头咨询时，银行可能会要求您在首次电话通话后十（10）个工作日内向我们寄送书面投诉。\n\n我们将调查您的投诉并将迅速纠正任何错误。如果我们需要十（10）个以上工作日来完成此项工作，我们将按您认为有误的金额向您的账户贷记，以便您在完成我们调查所需的时间内可以使用该笔资金。\n利息通知\n\n银行今年向您贷记的利息总额将由银行向美国国税局（Internal Revenue Service）和州税务机关申报。申报金额将由银行单独向您报告。\n仅适用于消费者贷款账户 - 账单权利摘要\n\n关于您的账单出现错误或疑问时的处理：\n\n如果您认为您的账单有误，或者您需要有关账单上某笔交易的更多信息，请尽快致函 P.O. Box 1377, Lewiston, Maine 04243-1377。我们必须在向您发出首次出现错误或问题的账单后六十（60）天内收到您的来信。您可以给我们打电话，但这样做不会保留您的权利。在您的来信中，请向我们提供以下信息：\n\n- 您的姓名和账号。\n- 涉嫌错误的金额。\n- 描述错误并尽可能解释您认为存在错误的原因。如果您需要更多信息，请描述您不确定的项目。\n\n在我们调查期间，您不必支付有疑问的任何金额，但您仍有义务支付账单中没有疑问的部分。在我们调查您的疑问期间，我们不能将您报告为逾期或采取任何行动催收您有疑问的金额。\n\n财务费用：尽管银行使用每日余额法计算您的 Moneyline/透支保护账户（术语“ODP”或“OD”指透支保护）上的财务费用，但银行在定期对账单上披露平均每日余额，以此作为您计算财务费用的更简便方法。财务费用自预借现金和其他借记记入您账户之日起开始累计，并将持续到余额全额付清为止。计算财务费用时，将平均每日余额乘以本期天数再乘以每日周期利率（如对账单正面的账户摘要部分所列）。平均每日余额的计算方法是将计费周期内每一天的余额相加，然后将总余额除以计费周期中的天数。每日余额是计入预借现金并扣除付款或贷记后当天的余额，再加上或减去当天可能发生的任何其他调整。不存在不累计财务费用的宽限期。财务费用调整计入您的总财务费用中。\n\n![](_page_3_Picture_1.jpeg)\n\nYANPING WANG（王雁平）\n\n全美最便利银行®（America's Most Convenient Bank®）\n账户对账单\n页码：\n对账单周期：　J\n客户参考号：\n主账号：\n\n206443 2/2\n\n每日账户明细 电子支付 金额 入账日期 描述 10,000.00 09/13 电子转账借记，网银转账 转账至 小计： 10,000.00 其他取款 入账日期 描述 金额 42,300.00 09/27 汇出汇款，Himalaya Internati 30.00 09/27 电汇手续费 小计： 42,330.00\n\n致电 1-800-937-2000 获取24小时电话银行服务，或登录 www.tdbank.com\n\n![](_page_4_Picture_0.jpeg)\n\n205898 1/1\n\n每月向您本人支付。在当月剩余时间内，若发生第七（7）次及每笔额外交易，您的账户将被收取 $9 的费用。您的账户将不再被转换为交易类账户。欲了解更多信息，请参阅《企业存款账户协议》或《个人存款账户协议》，两份协议均可在 td.com 获取。\n账户摘要\n期初余额　293,296.68　本期已赚取利息　43.00\n电子存入　30,000.00　年初至今已支付利息　251.64\n其他贷记　42,343.00　赚取的年收益率　0.05%\n期末余额　365,639.68　本期天数　92\n每日账户明细\n电子存入\n入账日期　描述　金额\n11/09　电子转账贷记，网银转账\n转账自　10,000.00\n12/13　电子转账贷记，网银转账\n转账自　10,000.00\n12/27　电子转账贷记，网银转账\n转账自　10,000.00\n小计：　30,000.00\n其他贷记\n入账日期　描述　金额\n10/07　汇入汇款，FV BANK INTERNATIO　42,300.00\n10/31　已付利息　13.90\n11/30　已付利息　14.10\n12/31　已付利息　15.00\n\n致电 1-800-937-2000 获取24小时电话银行服务，或登录 www.tdbank.com\n\n首先按如下方式调整您的账户登记簿：\n\n- 减去本对账单上显示的任何服务费用。\n- 减去之前未记录的任何自动付款、转账或其他电子取款。\n- 如果您是有息账户，请加上任何赚取的利息。\n- 加上任何自动存入或透支信用额度。\n- 查看本对账单上显示的所有取款，并在您的账户登记簿中勾选核对。\n- 按照说明 2-5 核实您的期末账户余额。\n- 1. 本对账单上显示的您的期末余额为：\n- 2. 在下方列出未在本对账单上显示的存款或贷记转账金额。将存款合计并填入第 2 行。\n- 3. 将第 1 行和第 2 行相加得出小计。\n- 4. 在下方列出未在本对账单上显示的取款总额。将取款合计并填入第 4 行。\n- 5. 从第 3 行中减去第 4 行。该调整后余额应等于您的账户余额。\n\n![](_page_5_Figure_13.jpeg)\n\n未显示在对账单上的存款　美元　美分\n总存款\n\n未显示在对账单上的取款　美元　美分\n未显示在对账单上的取款　美元　美分\n总取款　4\n仅适用于消费者账户 - 关于您的电子资金转账出现错误或疑问时的处理：\n\n如果您需要关于电子资金转账的信息，或者如果您认为您的银行对账单或与电子资金转账相关的收据存在错误，请立即拨打对账单正面所列的电话号码致电银行，或致函至\nTD Bank, N.A.（道明银行）, Deposit Operations Dept, P.O. Box 1377, Lewiston, Maine 04243-1377\n\n我们必须在向您发出首次出现错误或问题的对账单后六十（60）个日历日内收到您的来信。与银行联系时，请尽可能清晰地解释您认为存在错误的原因或为何需要更多信息。请包含：\n\n- 您的姓名和账号。\n- 您不确定的错误或交易的描述。\n\n涉嫌错误的金额和日期。在进行口头咨询时，银行可能会要求您在首次电话通话后十（10）个工作日内向我们寄送书面投诉。\n\n我们将调查您的投诉，并会及时更正任何错误。如果我们需要超过十（10）个工作日来处理此事，我们将把您认为有误的金额存入您的账户，以便您在我们完成调查期间可以使用这笔款项。\n利息通知\n\n本行今年向您计入的利息总额将由本行向 Internal Revenue Service（美国国税局）和州税务机关申报。申报金额将由本行另行向您报告。\n仅限个人消费贷款账户 - 账单权利摘要\n\n如对您的账单有疑问或发现错误：\n\n如果您认为您的账单有误，或者您需要有关账单上某笔交易的更多信息，请尽快写信至 P.O. Box 1377, Lewiston, Maine 04243-1377 联系我们。我们必须在向您寄出显示错误或问题的首（1）份账单后的六十（60）天内收到您的来信。您可以致电我们，但这样做无法保留您的权利。在您的信函中，请向我们提供以下信息：\n\n- 您的姓名和账号。\n- 怀疑有误的金额。\n- 描述该错误，并尽可能解释您认为存在错误的原因。如果您需要更多信息，请描述您不确定的项目。\n\n在我们调查期间，您无需支付任何有争议的金额，但您仍有义务支付账单中没有争议的部分。在我们调查您的问题期间，我们不能将您报告为逾期欠款，也不能采取任何措施催收您质疑的金额。\n\n财务费用：尽管本行使用日均余额法计算您的 Moneyline/透支保护账户（术语“ODP”或“OD”指代透支保护）的财务费用，但本行在定期对账单上披露平均每日余额，以便于您更轻松地计算财务费用。财务费用自预借现金及其他借记金额记入您账户之日起开始累计，直至该余额全额付清为止。计算财务费用时，请将平均每日余额乘以本期天数，再乘以每日定期利率（如对账单正面的账户摘要部分所列）。平均每日余额的计算方法是将计费周期内每一天的余额相加，然后将总余额除以计费周期的天数。每日余额是指计入预借款项、扣除付款或贷记款项，并加上或减去当天可能发生的任何其他调整后的当日余额。不存在不累计财务费用的宽限期。财务费用调整计入您的总财务费用中。","key_entities":["Yanping Wang","Himalaya"],"ecf_references":[],"word_count":2751,"status":"published","published_at":"2023-06-05 00:00:00","created_at":"2023-06-05","updated_at":"2026-08-23 07:40:07"}