2007-06
~~ ,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
Commercial Checking
5
1
Commercial Account
Statement
o OF 3
Beginning June 01, 2007
through June 30, 2007
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
60,321. 01
75,412.87 -
1,504.89 -
73,745.05 +
124.82 +
57,273.12 =
12590-4004
Balance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
31,247.64
4.86%
4.97%
30
124.82
540.16
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking wjInterest
400407-654-3
Previous Balance
TRANSACTION DETAilS
Checks' There is a break in check sequence
Check # Amount
1024 292.50
1025 60.00
1026 177.90
De-bits .----------~-
Other Debits
Date Amount
06/15
06/22
06/22
06/25
06/29
06/29
704.89
300.00
150.00
150.00
100.00
100.00
Deposits & Credits
Date Amount
06/01 15,796.75
06/04 644.75
06/05 549.50
06/06 307.00
06/07 579.50
06/08 760.00
06/08 245.00
06/11 810.00
06/12 2,299.87
~
See reverse ~:;Ide for Important :nfOf'niat:on
Date
06/26 0.{
061.12 r
06/05 ./
Check #
1027
1028
Amount
15.00
74,867.47
Description
Nysdec Decals ach 070615 1)7107165010750
Deposited Check Returned /.
Deposited Check Returned ~
Deposited Check Returned v
Deposited Check Returned
Deposited Check Returned
Description I
Deposit 11/
Deposit tI
Deposit v'
Deposit >(/
Deposit t7
Deposit ./,
Deposit v'
Deposit ../
Deposit .i
Lenciel
v
Date . /
06/07 V
06/07 V'
60,321. 01
<:)
Total Checks
75,412.87
<:)
Total Debits
1,504.89
i.1
~~ Citizens Bank
1-800-862-6200
Call Citizens' PhoneBank anytime for account information,
current rates and answers to your questions.
Commercial Checking continued from previous poge
Deposits & Credits (continued)
Date Amount Description /
06/13 173.00 Deposit v.
06/14 1,725.50 Deposit ~
06/15 625.00 Deposit VI'
06/15 180.00 Deposjt v/
06/15 150.00 DeposIt 'l
06/15 99.00 Deposjt V' /"
06/15 v: 90.00 Deposlt.r
06/18 11,550.00 Deposit",
06/18 /10,150.00 Deposit ~
06/18 / 256.25 Deposit
06/19 ,/ 127.08 Deposit ~
06/20 v 2,627.00 Deposit
06/21 .t 674.00 Deposit.V:
06/22 It 254.50 Deposit v/
06/25 \/7,836.85 Deposit v /
06/26 .,1'300.00 Deposit v' ~
06/26 11'173.00 Deposit v' /
06/27 v;164. 50 Deposit ~I
06/28 2,000.00 Deposit v
06/28 _ 513.00 Deposit
06/28 V 150.00 Deposit'; J
06(28 0/ 150.00 Deposit,/..
06/29 V3, 934.00 Deposit ~
06(29 113,800.00 Depos!t /
06/29 .; 3,350.00 DeposIt
Interest
Date
06/29
Amount Description
124.82 Interest
Daily Balance
Date
06/01
06/04
06(05
06/06
06/07
06/08
06/11
I NEW S
Bala nce
Balance
7,193.01
7,366.01
9,091.51
9,530.62
31,486.87
31,613.95
34,240.95
Balance Date
Date
06/21
06/22
06/25
06/26
06/27
06/28
06/29
06(12
06/13
06(14
06(15
06/18
06/19
06/20
34,914.95
34,719.45
42,406.30
42,586.80
43,451.30
46,264.30
57,273.12
76,117.76
76,762.51
77 , 134. 11
77 ,441.11
3,138.14
4,143.14
4,953.14
FROM CITIZENS
--Effective August 6, 2007 we are changing our overdraft/insufficient available funds
policy. When you visit any of our branches to request a check, in-person withdrawaL, or
other debit on your account, and the transaction creates an overdraft on your account, the
OverdraftjInsufficient Available Funds fees described in your account Fees and Features
Guide may be charged if we decide to process the transaction. Please refer to your Deposit
Account Agreement for more details about our overdraft/insufficient available funds policy.
If you have misplaced your Agreement, you can obtain another copy by visiting one of our
branches or calling 1-800-922-9999.
--We'll give your business more room to grow. Small Business Mortgages.
We can help grow your business by providing affl rdable financing options using the equity in
your business. Whether you're looking to 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,
includina c!:edit, debit, stored-value, EBT and check processing. Additional services such
Member Fb1t (::J Equal HOuslny Lrndel'
II
Commercial Account
Statement
e OF 3
Beginning June 01, 2007
through June 30, 2007
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/lnterest
400407-654-3
o
Total Deposfts & Credits
73,745.05
o
e
Total Interest Paid
124.82
Current Balance
57,273.12
~~ Citizens Bank
Commercial Account
Statement
1-800-862-6200
o OF 3
CaLL Citizens' PhoneBank anytime for account information,
current rates and answers to your questions.
Beginning June 01, 2007
through June 30, 2007
Commercial Checking continued from previous page
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/lnterest
400407-654-3
I NEW S FRO M C IT IZ ENS (continued)
as A TM 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
1-800-4BUSINESS. Member FDIC.
--When you're traveling on vacation or business take along American Express Travelers
Cheques. If they are lost or stolen, you have 24-hour access to worldwide refund services,
7 days a week. American Express Travelers Cheques - the safer, smarter way to carry cash.
Available at any Citizens Bank branch.
Me8bPr
@
HOU';ln0 Lender
See reverse Side for ~mportanl information
~~ 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
Date/
Check No.
Date/
Check No.
Amount
Amount
5
Subtract 4 from 3. This should match your
checkbook register balance.
Member-FDIC @ Equal Housing Lender
$ 5 t'l ~ '1 ?),I ~
Current Balance
o $/ ~ PI);;>; '7 e-
Total of 2
111 /."'J r.""i
<3> $ .., / .) /.. <.t.,-L:.
Subtotal of 1 and 2
O /./1,1')"1'" );'
. $,... '" ."" I.. /.'",/. C'
._ L.;.' ,~,.> .,,\;' ,~r~ "',.\ .'
Tc.lai uf 4
0$ 10911, ['4.
Total
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.
In Case 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 transfer/transaction 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 tater 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 fully
preserve your rights.
In your letter, please give us the following information:
. your name and account number;
. the dollar amount 01 the suspected error: and
. a description 01 the suspected error or item in question, including an explanation of
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. If 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.
Finance Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Dally Balance Computation Method
Calculating your Finance Charge
We compute your tinance 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 bilting cycle.
Calculating your Average Daily Balance
To get the average daiiy balance, we take the beginning balance of your account each
day (which does not include any unpaid finance charges or fees), add any new Overdralt
Line of Credit transactions as of the date of those transactions, and subtract any pay-
ments or credits. This gives us the daily baiance. Then we add all the daily balances for
the billing cycle together and divide the total by the number of days in the billing cycie.
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 of
address.
Thank you for banking with Citizens Bank.
~007
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Amount $300.00
NO. 785 [;1002
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