Eileen,
Oh no, you are not short of 5 points, are you?
In my understanding, when u apply, you need to first show proof of financial statements that reflects the AU$100K.
The money is requested after you have done your Meds & PCCs, and before visa grant - it is the last stage of the process. You have to invest the money for 12 months, after which you will get it back, including the interests earned.
Hope this helps.