2009-12
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TO\VN CLERK
BANK RECONCILIATION
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CHASE 0
JPMORGAN CHASE BANK, N.A.
NORTHEAST MARKET
POBOX 260180
BATON ROUGE LA 70826-0180
December 01,2009 -
December 31,2009
Page 1 of 2
Account Number
000000837135177
111111.111111.111.11111111.11111111111111111111.111111111.11.1
00035483 CEN 802 3J 00110 - NNN T 1 000000000 C20000
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 proceeds of any
of the forgoing) that are related, directly or indirectly, to unlawful Intemet gambling. The
term "unlawful Intemet gambling," as used in this notice, shall have its meaning set forth
in 12 C.F.R. Section Parf 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
Amount
$.00
$20,344.90
$.00
$.00
$20,344.90
Opening Ledger Balance
Deposits and Credits
Withdrawals and Debits
Checks Paid
10
o
o
Ending Ledger Balance
Average Ledger Balance
Interest Credited this period
$5,437.00
$.81
Interest Credited Year to Date
$.81
Interest Rate(s):
12/01 to 12/31 at 0.20%
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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CHASE 0
December 01, 2009 -
December 31, 2009
Page 2 of 2
Account Number
000000837135177
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Commercial Checking With Interest
(continued)
Deposits and Credits
Ledger
Date
Description
Amount
12/22
12/22
12/22
12/23
12/24
12/28
12/29
12/30
12/31
12/31
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
INTEREST PAYMENT
$14,096.09 --
$846.25 -
$313.5<Y
$194.00 ,/
$652.00"'-'
$725.00 --
$274.00-
$2,066.00 ,/
$1,177.25 -
$.81-
Total
$20,344.90
Daily Balance
Date
Date
Ledger
Balance
Ledger
Balance
..............................................................................................................
..............................................................................................................
12/22
12/23
12/24
12/28
12/29
12/30
12/31
$17,100.84
$19,166.84
$20,344.90
$15,255.84
$15,449.84
$16,101.84
$16,826.84
Your service charges, fees and earnings credit have been calculated through account analysis.
CHASE 0
JPMORGAN CHASE BANK, N.A.
NORTHEAST MARKET
POBOX 260180
BATON ROUGE LA 70826-0180
December 01 , 2009 -
December 31 , 2009
Page 1 of 2
Account Number
000000837135177
1...11..1.1.1.1.1.1..11'11.111111...11....1..1..1.111.....11.1
00035483 CEN 802 3J 00110 - NNN T 1 000000000 C20000
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 proceeds of any
of the forgoing) that are related, directly or indirectly, to unlawful Internet 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
Amount
$.00
$20,344.90
$.00
$.00
$20,344.90
Opening Ledger Balance
Deposits and Credits
Withdrawals and Debits
10
o
o
Checks Paid
Ending Ledger Balance
Average Ledger Balance
Interest Credited this period
$5,437.00
$.81
Interest Credited Year to Date
$.81
Interest Rate(s):
12/01 to 12/31 at 0.20%
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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CHASE 0
December 01 , 2009 -
December 31 , 2009
Page 2 of 2
Account Number
0000008371351/7
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Commercial Checking With Interest
(continued)
Deposits and Credits
Ledger
Date
Description
Amount
12/22
12/22
12/22
12/23
12/24
12/28
12/29
12/30
12/31
12/31
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
DEPOSIT
INTEREST PAYMENT
$14,096.09
$846.25
$313.50
$194.00
$652.00
$"72500
$274.00
$2,066.00
$1,177.25
$.81
Total
$20,344.90
Daily Balance
Date
Ledger
Balance
Date
l.edger
BalMce
..............................................................................................................
12/22
12/23
12/24
12/28
$15,255.84
$15,449.84
$16,101.8t\.
$16,826.84
.......u................................................................................................~........
12/29
12/30
12/31
$17,100.84
$19,166.84
$20,34,1.90
Your service charges, fees and earnings credit have been calculated through account analysis.
.'
~ ~~ Citizens Bank
1-800-862-6200
Call Citizens' PhoneBank 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
2
1
Commercial Account
Statement
o OF 2
Beginning December 01, 2009
through December 31, 2009
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
25,584.76
38,605.89 -
1,660.06 -
14,681.19 +
3.27 +
3.27 =
Balance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
9,162.77
.40%
. 420/0
31
3.27
114.51
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
Previous Balance
TRANSACTION DETAILS
Checks' There is a break i/1 check sequence
25,584.76
Check #
1167
1168
1169
1170
Amount
111. 10
21. 00
270.00
15.00
Date
12/08.....
12/09.....
12/21 ,-
12/11
Debits
Other Debits
Date
12/15
Check #
1171
1172
1173
Amount
10,368.70
13,724.00
14,096.09
Amount Description
1,660.06 Nysdec Decals_ach 091215137109348003830--'
Deposits & Credits
Date Amount Description
12/01 484.00 Deposit-
12/02 300.50 Deposit'
12/04 1,623.00 Deposit/
12/04 1,204.50 DeposiV
12/07 807.50 DeposiV
12/07 100.00 11-30-09 Disputed Item
12/08 647.00 Depositv
12/09 280.00 Deposit.......
12/10 50.50 Deposit.....
12/11 622.50 Deposit-:/
12/14 353.94 Deposit
12/15 2,337.50 Deposit..!
12/16 163.00 Deposit....
12tJ.;,!JP( mc @ EqUa?~(~u's~~ Ler~~posit,/
001029741100375
-- -.-----...-
Date
12/07 V
12/07 ..........
12/23 .......
o
Total Checks
38,605.89
o
Total Debits
1,660.06
K~ Citizens Bank
1-800-862-6200
Call Citizens' PhoneBank anytime for account information,
cUl'n!nt rates and answers to your questions,
om previous page
Commercial Account. .
Statement
'.
e OF 2
Beginning December 01, 2009
through December 31, 2009
Deposits & Credits (continued)
Date Amount Description
12/21 4,513.50 Deposit./'
12/21 510.25 Deposit /
Interest
Date
12/31
Amount Description
3.27 Interest
Dally Balance
Date
Balance Date
Balance
Date
Balance
12/01 26,068.76
12/02 26,369.26
12/04 29,196.76
12/07 6,011.56
12/08 6,547.46
I NEWS FROM CITIZENS
--IMPORTANT NOTICE/ CHANGE IN TERMS
Effective August 1, 2009, the handling fee for certain court orders and legal processing
changed to $125 for each item that we process against your account. This includes court
orders, garnishments, attachments, tax levies, executions, and similar types of legal process.
--IMPORTANT NOTICE/ CHANGE IN TERMS
Effective August 1, 2009, the Inactive Account Processing Fee for Personal & Business Deposit
Accounts changed to $50. This fee applies to all accounts that have been inactive for 24
months or more, and is in addition to any applicable monthly dormant account fee. This fee is
not imposed on New Jersey based accounts that have been charged the maximum dormant account
fee.
--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.
--Do you need a home equity line, loan or mortgage? Citizens Bank has the solution for all
your borrowing needs. See a banker today or call the number belcw for current rates, which are
still at historical lows. Mortgage customers - get 1/8% off mortgage rates with Circle Gold
Mortgage Advantage(TM). (1/8% off already low mortgage rates when you open a Circle Gold
Checking(R) account with automatic payment.) Citizens Circle Gold Banking(R) customers enjoy
benefits such as having 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 today: 1-888-514-2300.
--The Citizens Bank TruFit Student Loan. Featuring a choice of repayment plans, the TruFit
Student Loan provides eligible students and families with a financing alternative after
they've maximized grants, scholarships and federal loan options. Discuss your needs with our
education finance speclalists today at 1-888-333-0128. Visit us online at
citizensbank.comjT ru FitStudent.
--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 have 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.
12/09
12/10
12/11
12/14
12/15
6,806.46
6,856.96
7,464.46
7,818.40
8,495.84
12/16
12/17
12/21
12/23
12/31
8,658.84
9,342.34
14,096.09-
.00
3.27 __
Member FDIC'@' Equal Housing Lender
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Munldpal Checking w/I~terest
400407-654-3
o
Total Depost~ & Credits
14,681.19
o
e
Total Interest Paid
3.27
Curr.nt Balance
3.27
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
a bout.
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 LI ne of Credit Accounts
Based on Average Dally Balance Computation Method
Total of 4 Calculnting yaur 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.
'~:t Citizens Bank
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
1
3,';}-1_
Current Balance
Your current balance on this statement
2
List deposits which do not appear on
this statement
Date
Amount
Date
Amount
8$
0$
Subtotal of 1 and 2
Total of 2
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. Amount
8$
0$
)
5 Subtract 4 from 3. This should match your
checkbook register balance
Member FDiC G:l Equal Housing l.ei-Irler
Customer Sennee
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
a culating your Average Oaily Balance
To get the average daily balance, we take the beginning balance of your account
each day (which does not include an'y 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.
~I Citizens Bank
Member FDIC G:l Equal Housing Lender
~~ Citizens Bank
*DEPOSIT CORRECTION ADVICE*
ADJ NO:
200912016479119026
Deposit Date: 11/30/2009
Citizens Bank
P.O. Box 789
Providence, RI 02901-0789
1>>11)OC,
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-4004
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Please be advised that your Checking deposit for $840.50 on November 30, 2009 has been adjusted for the
reason listed below. If you have any questions regarding this correction, please call us at 1-800-922-9999.
Reason:
Check(s) listed not enclosed
An item for $100.00 was listed with the deposit but not enclosed.
Original Amount:
Adjustment Amount: $100.00 debited
Account Number: 4004076543 (Checking)
ISN: 100000358387
Comments:
Deposit S!ip:
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