2007-05
~~ Citizens Bank
1-800-862-6200
Call Citizens' PhoneBank anytime for account information,
current rates and answers to your questions.
US001 BR624
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY
4
1
Commercial Checking
12590-4004
Commercial Account
Statement
o OF 2
Beginning May 01, 2007
through May 31, 2007
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
45,244.49
50,064.31 -
715.15 -
65,680.97 +
175.01 +
60,321. 01 =
Balance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
42,400.36
4.86%
4.97%
31
175.01
415.34
TRANSACTION DETAILS
Checks. There ;s a break ;n check sequence
Check # Amount
1020 180.00
1021 266.02
Debits
Other Debits
Date
05/15
Date
05/15 V;
05/04 .....
Check #
1022
1023
Amount
78.00
49,540.29
Amount Descr1ptlon
715.15 Nysdec Decals_ach 070515137107134011747
Deposits & Credits
Date Amount
05/01
05/01
05/02
05/03
05/04
05/07
05/08
05/09
05/10
05/10
05/11
05/11
05/11
05/14
05/14
2,887.50
2,647.47
156.50
5,530.75
363.75
1,537.75
1,330.75
227.00
1,830.00
752.25
2,215.00
1,115.50
360.00
1,430.00
735.00
Description
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Date
05/08................-
05/09 I""
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
Previous Balance
45,244.49
<:)
Total Checks
50,064.31
<:)
Total Debits
715.15
~~ Citizens Bank
Commercial Account
Statement
1-800-862-6200
e OF 2
Call Citizens' PhoneBank anytime for account information,
current rates and answers to your questions.
Beginning May 01, 2007
through May 31, 2007
Commercial Checking continued from previous page
Deposits & Credits (continued)
Date Amount Description
05/14 472.75 Deposit
05/14 40.00 Deposit
05/15 15,600.00 Deposit
05/15 1,350.00 Deposit
05/15 124.00 Deposit
05/16 861. 25 Deposit
05/17 559.25 Deposit
05/18 1,593.50 Deposit
OS/21 13,669.00 Deposit
OS/21 768.25 Deposit
OS/22 259.50 Deposit
OS/23 3,641. 00 Deposit
OS/23 830.00 Deposit
OS/24 742.00 Deposit
OS/25 1,282.50 Deposit
OS/29 253.50 Deposit
05/30 190.00 Deposit
05/31 325.25 Deposit
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Munidpal Checking w/Interest
400407-654-3
o
Total Deposlts & Credits
65,680.97
Interest
Date
05/31
Amount Description
175.01 Interest
0
e
Balance Date Balance Date Balance
50,779.46 05/11 16,314.40 OS/22 52,881.75
50,935.96 05/14 18,992.15 OS/23 57,352.75
56,466.71 05/15 35,171. 00 OS/24 58,094.75
56,564 .44 05/16 36,032.25 OS/25 59,377.25
58,102.19 05/17 36,591. 50 OS/29 59,630.75
59,354.94 05/18 38,185.00 05/30 59,820.75
10,041. 65 OS/21 52,622.25 05/31 60,321. 01
12,623.90
Total Interest Paid
175.01
Current Balance
60,321. 01
Daily Balance
Date
05/01
05/02
05/03
05/04
05/07
05/08
05/09
05/10
I NEWS FROM CITIZENS
--We'll give your business more room to grow. Small Business Mortgages.
We can help grow your business by providing affordable financing options using the equity in
~bus~ilIE::r..;W\;ether you're looking tD manage cash flow, purchase new equipment, increase
inventory, buy a new business property or refinance your existing building, Citizens Bank has
what you're looking for. Your bottom line is looking better already. To learn more about our
small business mortgages, visit your nearest branch and speak with a Business Banking
Officer, or call1-800-4BUSINESS. Member FDIC.
--Are you paying too much for credit card processing? Sign up with RBS Lynk and receive
competitive pricing, best-in-class customer service and the most extensive array of products
and services in the industry. As a single-source payment processing provider and a Citizens
Financial Group company, RBS Lynk offers a variety of products to help grow your business,
including credit, debit, stored-value, EBT and check processing. Additional services such
as ATM processing, payroll cards and eCommerce processing are also available.
Learn how you can take advantage of RBS Lynk's swift, secure payment processing for your
business. Visit us at citizensbank.com/merchantservices or call1-800-4BUSINESS.
--Citizens Bank and Paychex (registered trademark) - Payroll services you can count on.
Employees make your business. And Citizens Bank and Paychex make it their business to make
paying your employees as simple and accurate as possible. Paychex, our preferred payroll
service partner, handles the details of payroll, payroll taxes and reporting, so you can
focus on what is most important to you - growing your business. As a Citizens Bank business
checking customer, you could be eligible for up to a 10% ongoing monthly discount with
Paychex. To learn more, visit us at citizensbank.com, stop by your nearest branch or call
1-BOO-4BUSINESS. Member FDIC.
Member rot, Gl Equu\ H0l1Sml,j \J'l1rjer
II
~~ 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
2
Your current balance on this statement
List deposits which do not appear on
this statement
Date
Amount
Date
Amount
3
4
Subtotal by adding 1 and 2
List outstanding checks, transfers, or
withdrawals that do not appear on this
statement
Datel
Check No.
Datel
Check No.
Amount
Amount
5
Subtract 4 from 3. This should match your
checkbook register balance.
l~J
O n/ 1'1 1 '
- $ /wl/I.; ~
TOial Of 4
0$Sgtf5f15
Total
~-~,
(!!!) 0)~lp 1
$ (Po J 3..2/ ,t) I
Current Balance
0$/9~V;6D
Total of 2
o $ JrtJt;18~ 5)
Subtotal of 1 and 2
Customer Service
If you have any questions regarding your account or discover an error, call the number
shown on the front 01 your statement or write to us at the following address:
Citizens Bank
Customer Service Center
P.O. Box 4200t
Providence, R102940-2001
Deposit Accounts ara Non- Transferabla
Personal deposit accounts, such as CDs and savings accounts, cannot be transferred to
another person or to a corporate entity.
In Cese of Errors or Questions about your Personal Deposit Electronic Transfers or
Loan Statements
Electronic Transfers or Loan Statements
If you think that your statement or receipt Is wrong. or if you need more Information
about a transferltransaction on your statement or receipt, call us at the number shown
on the front of your statement or write us as soon as possible at the address above. We
must hear from you no later than 60 days after we sent you the first statement on which
the error or problem appeared. You can call us, but you must also write to us to lully
presorJe your rights.
In your letter, please give us the lollowing information:
. your name and account number;
. the dollar amount of the suspected error; and
. a description of the suspected error or item in question, including an explanation ot
why you believe there is an error or why you need more information.
Electronic Transfers
We will investigate your question and correct any error promptly. II we take more
than 10 business days (10 calendar days in MA) to complete our investigation, we
will credit your account for the amount in question so that you have use of the
money during that time.
Loan Statements
You do not have to pay any amount in question while we are investigating it. However,
you do have 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 In question.
Flnsnce Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Datty Balance Computation Method
Calculating your Finance Charge
We compute your finance charge by mulliplying the Average Daily Balance 01 your
acceunt by the Daily Periodic Rate and then mulliplying the resuit 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 01 Credit transactions as of the date of those transactions, and subtract any pay-
ments 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.
Change of Address
Please call the number shown on the front of your statement to notify us of a change 01
address.
Thank yau far banking with Citizens Bank.
~) ,;.K1lUtlW
>lues suaZ!l!) ~~