2009-11
CHASE 0
JPMORGAN CHASE BANK, N.A.
NORTHEAST MARKET
POBOX 260180
BATON ROUGE LA 70826-0180
November 18, 2009 -
November 30,2009
Page 1 of 1
Account Number
000000837135177
1...11..1.1.1.1.1.1..11....1..111...11....1..1..1.111.....11.1
00036808 CEN 802 3J 33509 - NNN T 1 00000??oo C2 0000
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-4004
Customer Service
If you have any questions
about your statement, please
contact your Customer Service
Professional.
The Bank strictly prohibits the use of any account to conduct transactions (including,
without limitation, the acceptance or receipt of credit or other receipt of funds through an
electronic funds transfer, or by check, draft or similar instrument, or the rroceeds of any
of the forgoing) that are related, directly or indirectly, to unlawful Interne gambling. The
term "unlawful Internet gambling," as used in this notice, shall have its meaning set forth
in 12 C.F.R. Section Part 233, Section 132.2(bb). The Customer shall not conduct any
transactions through the account that directly or indirectly involve or are related to unlawful
Internet gambling, including, without limitation, the acceptance or receipt of any funds or
deposits in connection therewith.
Commercial Checking With Interest
Summary
Number
Opening Ledger Balance
Deposits and Credits
Withdrawals and Debits
o
o
o
Checks Paid
Ending Ledger Balance
Interest Rate(s):
11/18 to 11/30 at 0.30%
Your service charges, fees and earnings credit have been calculated through account analysis.
Amount
$.00
$.00
$.00
$.00
$.00
Please examine this statement of account at once. By continuing to use the account, you agree that: (1) the account is subject to
the Bank's deposit account agreement, and (2) the Bank has no responsibility for any error in or improper charge to the account
(including any unauthorized or altered check) unless you notify us in writing of this error or charge within sixty days of the mailing or
availability of the first statement on which the error or charge appears.
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This Page Left Intentionally Blank
K:t Citizens Bank
December 7,2009
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY
12590-4004
Dear Customer:
We have posted a credit to your account # 4004076543 for the amount of $100.00
on December 7. 2009.
Reason: disputed item
Reference number: 001029741100375
If you have any questions, please call our Customer Service Center at 1-800-922-9999 anytime, and a
Customer Service Specialist would be happy to help you. In order to serve you as promptly as possible,
please refer to the Reference number listed above.
Thank you for banking with us.
Sincerely,
_Jb
Adjustment Services
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1-800-862-6200
Call Citizens' Phone8ank anytime for account information,
current rates and answers to your questions.
US059 BR624
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY
3
1
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Commercial Account
Statement
o OF 2
Beginning November 01, 2009
through November 30, 2009
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
45,303.72
43,315.52 -
2,794.30 -
26,383.00 +
7.86 +
25,584.76 =
Bolonce
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
23,918.49
.40%
.40%
30
1.86
111.24
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Munidpal Checking w/lnterest
400407-654-3
Previous Balance
TRANSACTION DETAILS
Checks' There is a break in check sequence
Check # Amount
1160 2.00
1162* 202.50
1163 109.40
Debits
Other Debits
Date
11/17
11/30
Date
11/02
11/27
11/09
Check #
1164
1165
1166
Amount
6.00
28,071.00
14,924.62
Amount Description
2 .EJL3.0...._M,ysde.c..Dp(;,I~ ;,c~A2,1116 137109318003608
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Deposits & Credits
Date Amount Description
11/02 699.00 Deposit'/
11/04 494.00 Deposit
11/04 6.00 Credit Memo
999726
11/05 2,266.75 Deposit
11/06 924.25 Deposit
11/09 1,035.00 Deposit
11/10 904.00 Deposit
11/12 929.00 Depo~t
11/13 4,470.00 Deposit
11/16 1,080.00 Deposit
11/17 685.50 Deposit
11/18 785.00 Deposit
11/19 1,150.00 Deposit
Member FDIC @ Equal Housing Lender
Date
11/12
11/09
11/09
45,303.72
o
Total Checks
43,315.52
o
Total Debits
2,794.30
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Commercial Acco nt
Statement
1-800-862-6200
o OF 2
Call Citizens' Phone Bank anytime for account information,
current rates and answers to your questions.
Beginning November 0 , 2009
through November 30, 009
Deposits & Credits (continued)
Dlte Amount Description
11/19 696.75 Deposit
11/20 803.50 Deposit
11/23 6,085.75 Deposit
11/24 1,173.00 Deposit
11/25 1,255.00 Deposit
11/30 840. 50 Deposit
11/30 100.00 Deposit
I
TOWN OF WAPPINGER I
TOWN CLERK ACCOUNT i
Municipal Checking W{lnterest
400407-654-3 1
!
i
I
Totlt Dep sits & Credits
Commercial Checking continued from previous page
Interest
Date
11/30
+
26,383.00
Amount Description
7.86 Interest
tlnterest Plid
7.86
+
=
allance Dlte Bltlnce Date latlnce
46,000.72 11/12 9,448.70 11/20 16,425.15
46,500.72 11/13 13,918.70 11/23 22,510.90
48,167.47 11/16 14,998.70 11/24 23,683.90
49,691. 72 11/17 12,989.90 11/25 24,938.90
7,621.70 11/18 13,774.90 11/27 24,736.40
8,525.70 11/19 15,621.65 11/30 25,584.76
urrent altlnce
25,584.76
Dally Balance
Dlte
11/02
11/04
11/05
11/06
11/09
11/10
I NEWS FROM CITIZENS
--This is a reminder of how you can use your debit card or ATM card. You enjoy free access
to more than 2,600 ATMs operated by Citizens Bank or Charter One. Effective January 1, 2010,
Citizens Bank and Charter One will no longer participate in the SUM surcharge-free program
offered by the NYCE network. You can continue to use millions of ATM locations worldwide
that display the STAR, PLUS, NYCE or SUM logos, but fees may apply.
--Mortgage customers - get 1/8% off mortgage rates with Circle Gold Mortgage Advantage(TM).
Get 1/8% off already low mortgage rates when you open a Circle Gold Checking(R) account with
automatic payment. As a mortgage and Citizens Circle Gold Banking(R) customer you'll enjoy
benefits such as having your monthly checking maintenance fees waived, our Circle Gold Savings
account, credit card offers with great rates and more. Call our exclusive customer service
number and start saving on your monthly mortgage payment: 1-888-514-2300.
--A message for all Citizens Bank MasterCard Business Debit Card customers, you should have
received your new Citizens Bank Visa Business Debit Card which replaced your existing
MasterCard Business Debit Card. If you have not received your new Visa Business Debit Card,
please call us at 1-866-438-9222. To activate your new Visa Business Debit Card call
1-800-527-1800. Or simply use your card at any ATM or merchant and make a PIN-based purchase.
IMPORTANT: Your card number and expiration date has changed. If you use your current debit
card for recurring payments, we'll make every reasonable effort to ensure your payments are
not impacted. To ensure there is no interruption in service, we recommend that you contact
your billers to update your information.
Member FDIC G:r Equal Housing Lel1(j(~r
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Checking Account Balance Worksheet
Before completing this worksheet, please be sure
to adjust your checkbook register balance by
· Adding any interest earned
· Subtracting any fees or other charges
Amount
(~4099. '10
III f /0
i,:J.1 ...-
,,:;; 70 ...
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.. ;
1
Your current balance on this statement
2
List deposits which do not appear on
this statement
Date
Amount Date
1-/~4 -
Amount
/rJ- ,
3
Subtotal by adding 1 and 2
4
List outstanding checks, transfers, debits,
POS purchases or withdrawals that do not
appear on this statement
Date/
Check No,
Amount
Date/
Check No,
5
Subtract 4 from 3. This should match your
checkbook register balance
MenllJcr J:DIC @ Equal '-lousing Lender
$d5,56Y~70
Current Balance
17\$ 4f4-
\:::.J Total of 2
t:'\ s'd t.t ~ {V R 1 &J
\::.J Subtotal of 1 and 2
8$
8$
C;YCjoCJ, <60
Total of 4
J CS5n, t"r.e
otal
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Customer Service
If you have any questions regarding your account or discover an error, call the
number shown on the front of your statement or write to us at the following
address:
Citizens Bank
Customer Service Center
P.O. Box 42001
Providence, RI 02940-2001
Deposit Accounts Are Non-Transferable
Personal deposit accounts, such as CDs and savings accounts, cannot be
transferred to another person or to a corporate entity.
Loan Statements
BILLING RIGHTS SUMMARY
In Case of Errors or Questions About Your Bill
If you think your bill is wrong, or if you need more information about a
transaction on your bill, write us at the address shown above as soon as
possible, We must hear from you no later than 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:
Your name and account number,
The dollar amount of the suspected error,
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,
You 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,
Special Rule far Credit Card Purchases
If you have a problem with the quality of goods or services that you purchased
with a credit card. and you have tried in good faith to correct the problem with
the merchant, you may not have to pay the remaining amount due on the goods
or services. You have this protection only when the purchase price was more
than $50 and the purchase was made in your home state or within 100 miles of
your mailing address, (If we own or operate the merchant, or if we mailed you
the advertisement for the property or services, all purchases are covered
regardless of amount or locatIOn of purchase,)
Electronic Transfers
In Case of Errors or Questions About Your Electronic Transfers
In case of errors or questions about your electronic transfers, telephone us at the
number shown on the front of your statement or write us at the address shown
above as soon as you can, if you think your statement or receipt is wrong or if
you need more information about a transfer on the statement or receipt. We
must hear from you no later than 60 days after we sent you the FIRST statement
on which the error or problem appeared,
· Tell us your name and account number (if any),
. Describe the error or the transfer you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
information,
. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly, If we take
more than 10 business days to do this, we will credit your account for the
amount you think is in error, so that ,You will have the use of the money during
the time it takes us to complete our mvestigation,
Finance Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Dally Balance Computation Method
Calculating your Finance Charge
We compute your finance charge by multiplying the Average Daily Balance of your
account by the Daily Periodic Rate and then multiplying the result by the number
of days in the billing cycle.
Calculating your Average Daily Balance
To get the average daily balance, we take the beginning balance of your account
each day (which does not include any unpaid finance charges or fees), add any
new Overdraft line of Credit transactions as of the date of those transactions,
and subtract any payments or credits. This gives us the daily balance. Then we
add all the daily balances for the billing cycle together and divide the total by
the number of days in the billing cycle. This gives us the average daily balance
for your account,
Negative Information
We may report information about your account to credit bureaus, Late payments,
missed payments, or other defaults on your account may be reflected in your
credit report.
Change of Address
Please call the number shown on the front of your statement to notify us of a
change of address.
Thank you for banking with Citizens Bank.
Citizens Bank is a division of RBS Citizens, N,A. Citizens Bank of Pennsylvania is
a separate bank and not part of RBS Citizens, N.A.
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Member FDIC G) Equrll Housinq lender