diff --git a/exercises/at_most_m_of_n.sh b/exercises/at_most_m_of_n.sh
new file mode 100755
index 0000000..4e15bfa
--- /dev/null
+++ b/exercises/at_most_m_of_n.sh
@@ -0,0 +1,28 @@
+#!/bin/bash
+source ./tools/tb_function.sh
+
+tb "create_accounts id=10000 code=10 ledger=100,
+                    id=10001 code=10 ledger=100,
+                    id=1     code=10 ledger=1 flags=debits_must_not_exceed_credits,
+                    id=2     code=10 ledger=1;"
+
+# Here, we want at most 2 of these transfers to succeed.
+# We do that by making each real transfer transfer 1 unit on ledger 1 to an account whose balance is limited to 2.
+output=$(tb "create_transfers id=1      debit_account_id=2     credit_account_id=1     amount=2   ledger=1   code=1, 
+
+                     id=100002 debit_account_id=10000 credit_account_id=10001 amount=10  ledger=100 code=10 flags=linked,
+                     id=2      debit_account_id=1     credit_account_id=2     amount=1   ledger=1   code=1,
+                     
+                     id=100003 debit_account_id=10000 credit_account_id=0     amount=100 ledger=100 code=10 flags=linked,
+                     id=3      debit_account_id=1     credit_account_id=2     amount=1   ledger=1   code=1,
+                     
+                     id=100004 debit_account_id=10000 credit_account_id=10001 amount=1000 ledger=100 code=10 flags=linked,
+                     id=4      debit_account_id=1     credit_account_id=2     amount=1   ledger=1   code=1,
+
+                     id=100005 debit_account_id=10000 credit_account_id=10001 amount=10000 ledger=100 code=10 flags=linked,
+                     id=5      debit_account_id=1     credit_account_id=2     amount=1   ledger=1   code=1,
+                     
+                     id=6      debit_account_id=2     credit_account_id=1     amount=0     ledger=1   code=10 flags=balancing_credit;")
+echo "$output"
+
+tb "lookup_accounts id=1, id=10000;"
diff --git a/exercises/if_else.sh b/exercises/if_else.sh
new file mode 100755
index 0000000..0547482
--- /dev/null
+++ b/exercises/if_else.sh
@@ -0,0 +1,21 @@
+#!/bin/bash
+source ./tools/tb_function.sh
+
+tb "create_accounts id=10000 code=10 ledger=100 flags=debits_must_not_exceed_credits,
+                    id=10001 code=10 ledger=100,
+                    id=1     code=10 ledger=1,
+                    id=2     code=10 ledger=1;"
+
+tb "create_transfers id=100001 debit_account_id=10001 credit_account_id=10000 amount=100 ledger=100 code=10;"
+
+# If amount > 100, the first two transfers will fail.
+# If amount <= 100, the first two transfers will succeed and the third and fourth will fail.
+# We're deliberately trying to create transfer 100000 in both branches with different codes.
+AMOUNT=101
+tb "create_transfers id=100002 debit_account_id=10000 credit_account_id=10001 amount=$AMOUNT ledger=100 code=10 flags=linked,
+                     id=100000 debit_account_id=1 credit_account_id=2 amount=1 ledger=1 code=1,
+                     
+                     id=100003 debit_account_id=10000 credit_account_id=10001 amount=50 ledger=100 code=10 flags=linked,
+                     id=100000 debit_account_id=1 credit_account_id=2 amount=1 ledger=1 code=2;"
+
+tb "lookup_transfers id=100000;"
diff --git a/exercises/if_then_multiple.sh b/exercises/if_then_multiple.sh
new file mode 100755
index 0000000..fa9aa0b
--- /dev/null
+++ b/exercises/if_then_multiple.sh
@@ -0,0 +1,46 @@
+#!/bin/bash
+source ./tools/tb_function.sh
+
+# We can use the technique described in ./if_else.sh to execute a transfer
+# if a condition is met. We can use the same technique to execute multiple transfers
+# if that condition is met by using linked transfers.
+
+# However, our conditional set of transfers must ALL succeed in order for it to work.
+# If one of them might fail, that technique is insufficient.
+
+# We can instead use the technique illustrated here to check a condition and, if it is met,
+# execute a set of transfers where the success or failure of one does not affect the others.
+
+tb "create_accounts id=10000 code=10 ledger=100 flags=debits_must_not_exceed_credits,
+                    id=10001 code=10 ledger=100,
+                    id=1     code=10 ledger=1 flags=debits_must_not_exceed_credits,
+                    id=2     code=10 ledger=1;"
+
+tb "create_transfers id=100000 debit_account_id=10001 credit_account_id=10000 amount=100 ledger=100 code=10;"
+
+# If amount > 100, all of the transfers will fail.
+# If amount <= 100, the following events will happen:
+# - Transfer 11 will succeed and set account 2's net credit balance to be 2.
+# - Transfer 100003 will succeed, and transfer 13 will take 1 unit back from account 1 to account 2.
+# - Transfer 100004 will fail, along with transfer 14, but this will not affect the others.
+# - Transfer 100005 will succeed, and transfer 15 will take 1 unit back from account 1 to account 2.
+# - Transfer 100006 and 16 will fail because account 1 no longer has a sufficient balance to transfer 1 unit.
+
+AMOUNT=101 # try changing this to 100 to make the set of transfers succeed
+tb "create_transfers id=100001 debit_account_id=10000 credit_account_id=10001 amount=$AMOUNT ledger=100 code=10 flags=linked | pending,
+                     id=100002 pending_id=100001 flags=linked | void_pending_transfer,
+                     id=11     debit_account_id=2     credit_account_id=1     amount=2       ledger=1   code=10,
+                     
+                     id=13     debit_account_id=1     credit_account_id=2     amount=1       ledger=1   code=10 flags=linked,
+                     id=100003 debit_account_id=10000 credit_account_id=10001 amount=50      ledger=100 code=10,
+
+                     id=14     debit_account_id=1     credit_account_id=2     amount=1       ledger=1   code=10 flags=linked,
+                     id=100004 debit_account_id=10000 credit_account_id=10001 amount=99999   ledger=100 code=10,
+
+                     id=15     debit_account_id=1     credit_account_id=2     amount=1       ledger=1   code=10 flags=linked,
+                     id=100005 debit_account_id=10000 credit_account_id=10001 amount=50      ledger=100 code=10,
+                     
+                     id=16     debit_account_id=1     credit_account_id=2     amount=1       ledger=1   code=10 flags=linked,
+                     id=100006 debit_account_id=10000 credit_account_id=10001 amount=50      ledger=100 code=10;"
+
+tb "lookup_transfers id=100003, id=100004, id=100005, id=100006;"
diff --git a/exercises/pool_funds.sh b/exercises/pool_funds.sh
new file mode 100755
index 0000000..2d79f62
--- /dev/null
+++ b/exercises/pool_funds.sh
@@ -0,0 +1,78 @@
+#!/bin/bash
+source ./tools/tb_function.sh
+
+# This example shows how to pool a certain amount from multiple accounts to transfer to a single account.
+# Note that it builds on the mechanisms introduced in ./if_then_multiple.sh
+
+OPERATOR_ACCOUNT=10000
+POOL_ACCOUNT=10001
+CHECK_ACCOUNT=10002
+ACCOUNT_1=10003
+ACCOUNT_2=10004
+TARGET_ACCOUNT=10005
+IF_ACCOUNT=10
+IF_OPERATOR=11
+tb "create_accounts id=$OPERATOR_ACCOUNT code=10 ledger=100,
+                    id=$CHECK_ACCOUNT code=10 ledger=100 flags=credits_must_not_exceed_debits,
+                    id=$POOL_ACCOUNT code=10 ledger=100,
+                    id=$ACCOUNT_1 code=10 ledger=100 flags=debits_must_not_exceed_credits,
+                    id=$ACCOUNT_2 code=10 ledger=100 flags=debits_must_not_exceed_credits,
+                    id=$TARGET_ACCOUNT code=10 ledger=100 flags=debits_must_not_exceed_credits,
+                    id=$IF_ACCOUNT code=10 ledger=1 flags=debits_must_not_exceed_credits,
+                    id=$IF_OPERATOR code=10 ledger=1;"
+
+echo "funding accounts 1 and 2 with 100 units"
+
+# Now, we'll fund Accounts 1 and 2 with 100 units each.
+tb "create_transfers id=1000 debit_account_id=$OPERATOR_ACCOUNT credit_account_id=$ACCOUNT_1 amount=100 ledger=100 code=10,
+                     id=1001 debit_account_id=$OPERATOR_ACCOUNT credit_account_id=$ACCOUNT_2 amount=100 ledger=100 code=10;"
+
+# Now, we want to pool funds between ACCOUNT_1 and ACCOUNT_2 to transfer to TARGET_ACCOUNT. 
+POOL_AMOUNT=250 # Change this to 150 to make the transfers succeed.
+
+echo "pooling funds from accounts 1 and 2 to transfer to target account"
+
+# This looks very complicated, so let's go through each block of transfers.
+
+# The first block checks that the sum of the balances of ACCOUNT_1 and ACCOUNT_2 is greater than or equal to the POOL_AMOUNT.
+# If they are, that whole first block of transfers will fail.
+
+# If the first block of transfers fails, the second block of transfers will succeed
+# (because the transfer with id=10 intentionally appears in both the first and second blocks -- it will only succeed once).
+# This block of transfers transfers 2 units to the IF_ACCOUNT
+# AND it *DEBITS* the POOL_ACCOUNT by the POOL_AMOUNT.
+
+# The third and fourth blocks of transfers transfer *EXACTLY* the POOL_AMOUNT from ACCOUNT_1 and ACCOUNT_2 to the POOL_ACCOUNT.
+# In each of these blocks, the first transfer (id=11 and id=12) take 1 unit from the IF_ACCOUNT
+# (these would fail if the second block of transfers hadn't put 2 units in the IF_ACCOUNT).
+# Then, they transfer (id=1009, id=1011) the lesser of the POOL_AMOUNT and the net credit balance of ACCOUNT_1 or ACCOUNT_2 to the POOL_ACCOUNT.
+# Then, if the POOL_ACCOUNT now has a credit balance that is *GREATER* than the POOL_AMOUNT they transfer (id=1010, id=1012) the execess back to the account it came from.
+# It is important that this last transfer in these blocks is *NOT* linked, because it will fail if the POOL_ACCOUNT's credit balance is less than or equal to the POOL_AMOUNT.
+
+# Finally, the last block of transfers transfers the POOL_AMOUNT from the POOL_ACCOUNT to the TARGET_ACCOUNT
+# and resets the POOL_ACCOUNT's net balance back to 0.
+
+output=$(tb "create_transfers id=1002 debit_account_id=$CHECK_ACCOUNT credit_account_id=$OPERATOR_ACCOUNT amount=$((POOL_AMOUNT - 1)) ledger=100 code=10 flags=linked, 
+                     id=1003 debit_account_id=$ACCOUNT_1 credit_account_id=$CHECK_ACCOUNT amount=0 ledger=100 code=10 flags=linked | pending | balancing_debit,
+                     id=1004 debit_account_id=$ACCOUNT_2 credit_account_id=$CHECK_ACCOUNT amount=0 ledger=100 code=10 flags=linked | pending | balancing_debit,
+                     id=1005 pending_id=1003 code=10 flags=linked | void_pending_transfer,
+                     id=1006 pending_id=1004 code=10 flags=linked | void_pending_transfer,
+                     id=10 debit_account_id=$IF_OPERATOR credit_account_id=$IF_ACCOUNT amount=2 ledger=1 code=10 flags=linked | pending,
+                     id=11 pending_id=10 code=10 flags=void_pending_transfer,
+                     id=1007 debit_account_id=$OPERATOR_ACCOUNT credit_account_id=$CHECK_ACCOUNT amount=0 ledger=100 code=10 flags=balancing_credit,
+
+                     id=10 debit_account_id=$IF_OPERATOR credit_account_id=$IF_ACCOUNT amount=2 ledger=1 code=11 flags=linked,
+                     id=1008 debit_account_id=$POOL_ACCOUNT credit_account_id=$OPERATOR_ACCOUNT amount=$POOL_AMOUNT ledger=100 code=10,
+
+                     id=11 debit_account_id=$IF_ACCOUNT credit_account_id=$IF_OPERATOR amount=1 ledger=1 code=10 flags=linked,
+                     id=1009 debit_account_id=$ACCOUNT_1 credit_account_id=$POOL_ACCOUNT amount=$POOL_AMOUNT ledger=100 code=10 flags=balancing_debit,
+                     id=1010 debit_account_id=$POOL_ACCOUNT credit_account_id=$ACCOUNT_1 amount=0            ledger=100 code=10 flags=balancing_debit,
+                     
+                     id=12 debit_account_id=$IF_ACCOUNT credit_account_id=$IF_OPERATOR amount=1 ledger=1 code=10 flags=linked,
+                     id=1011 debit_account_id=$ACCOUNT_2 credit_account_id=$POOL_ACCOUNT amount=$POOL_AMOUNT ledger=100 code=10 flags=balancing_debit,
+                     id=1012 debit_account_id=$POOL_ACCOUNT credit_account_id=$ACCOUNT_2 amount=0            ledger=100 code=10 flags=balancing_debit,
+
+                     id=1013 debit_account_id=$POOL_ACCOUNT credit_account_id=$TARGET_ACCOUNT amount=$POOL_AMOUNT ledger=100 code=10 flags=balancing_debit;")
+echo "$output"
+
+tb "lookup_accounts id=$POOL_ACCOUNT, id=$CHECK_ACCOUNT, id=$ACCOUNT_1, id=$ACCOUNT_2, id=$TARGET_ACCOUNT;"