2007-09
~~ 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
5
1
Commercial Account
Statement
o OF 2
Beginning September 01, 2007
through September 30, 2007
III [Lll 7
)U!3tf)U-: I:J' 0 I
/ (jjj)l.Q.
~'C\) I
:l
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
31,554.83
31,112.10 -
2,685.08 -
28,184.50 +
64.43 +
26,006.58 =
Balance
Average Daily Balance
16,661.96
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
4.56%
4.81%
30
64.43
790.76
TRANSACTION DETAILS
Checks' There is a break in check sequence
Check #
1037
1038
1039
Debits
Other Debits
Date
09/17
Amount Date
675.00V; 09/18
42.00 v 09/14
173.5511'" 09/07
Check #
1040
1041
Amount Date
15.00......... 09/11
30,206.55 v' 09/05
Amount Description
2,685.08 Nysdec Decals_ach 070915137107257003525 ,/
Deposits & Credits
Date Amount
09/04 2,279.50
09/04 20.00
09/05 2,795.00
09/06 630.50
09/07 480.50
09/10 373.00
09/11 470.50
09/12 933.50
09/13 2,290.50
09/14 1,921.75
09/17 91. 50
09/18 1,635.50
09/19 248.00
09/20 4,906.00
GJ
'----
Description
Deposit ~
Deposit
Deposit ./
Deposit ./
Deposit 0
Deposit v'
DepositV'
Deposit/
Deposit~
Deposit
Deposit ./
Depositv';
Deposit v
Deposit V'
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
Previous Balance
31,554.83
<:)
Total Checks
31,112.10
<:)
Total Debits
2,685.08
~~ Citizens Bank
1-800-862-6200
Call Citizens' Phone Bank anytime for account information,
current rates and answers to your questions.
Commercial Checking continued from previous page
Deposits & Credits (continued)
Date Amount Description
09/20 3,008.00 Deposit'/
09/21 1,035. 00 Deposit /
09/21 600.00 Depositvj
09/21 292.00 Deposit v
09/24 716.50 Deposit:/;
09/25 811.50 Deposit ~
09/26 1,144.50 Deposjt. /
09/27 379.25 Deposlt:l
09/28 1, 122.00 Deposit
Interest
D~t~
Amount oescrll'tion,/
64.43 Interest
09/28
Daily Balance
Date Balance Date Balance Date
09/04 33,854.33 09/13 11,432.73 09/21
09/05 6,442.78 09/14 13,312.48 09/24
09/06 7,073.28 09/17 10,718.90 09/25
09/07 7,380.23 09/18 11,679.40 09/26
09/10 7,753.23 09/19 11,927 .40 09/27
09/11 8,208.73 09/20 19,841.40 09/28
09/12 9,142.23
I NEW S FRO M CITIZENS
Balance
21,768.40
22,484.90
23,296.40
24,440.90
24,820.15
26,006.58
--Banks consolidate into RBS Citizens, N.A.
We're pleased to let you know that effective September 1, 2007, Charter One Bank, N.A.,
Citizens Bank of Connecticut, Citizens Bank (Delaware), Citizens Bank New Hampshire, Citizens
Bank of Massachusetts, Citizens Bank of Rhode Island, Citizens Bank, N.A. and RBS National
Bank are now one bank: RBS Citizens, N.A.
We will continue to be known as "Citizens Bank" in New England, New York and Delaware and as
"Charter One" in the Midwest. Credit cards are offered through RBS Card Services which is a
division of RBS Citizens, N.A. There is no systems conversion or account number change as a
result of our bank consolidation.
For FDIC deposit insurance coverage, all the banks mentioned in the first paragraph are now
one bank. RBS Citizens, N.A. is an FDIC-insured bank. This means that your deposit accounts
are generally insured up to $100,000 per depositor. Some accounts, such as Individual
Retirement Accounts (IRAs) and other self-directed retirement accounts are eligible for
insurance up to $250,000.
When banks are consolidated, there is a transition period of separate FDIC deposit coverage.
If you had checking, savings or money market deposit accounts at more than one of our banks
as of August 31, 2007, your deposits will continue to be separately insured by the FDIC until
March 1, 2008. Beginning March 1, 2008, all your deposits will be combined to determine your
FDIC deposit insurance coverage.
If you had Certificates of Deposit (CDs) at more than one of our banks as of August 31,2007,
they will continue to be separately insured by the FDIC until the first maturity date on or
after March 1, 2008. CDs that mature before March 1, 2008 and are renewed for the same
amount and term will continue to be separately insured until the first maturity date on or
after March 1, 2008. CDs that mature before March 1, 2008 and are renewed for a different
amount and term, or are not renewed, will be separately insured until March 1, 2008.
If you have questions about FDIC coverage, please stop by your local branch and speak with a
banker. There are many ways to maximize FDIC deposit coverage. Brochures called 'Your
Insured Deposits- FDIC's Guide to Deposit Insurance Coverage' are available in all our
branches. This brochure is also available on the Internet at
www,fdic.gov/depositjdeposits/insured. You may call our PhoneBank toll-free at
1-877-324-3733 and a specialist will be pleased to assist you.
Citizens Bank of Pennsylvania, which has branches in Pennsylvania and New Jersey, continues
to be a separate bank and is not part of RBS Citizens, N.A.
We thank you for choosing to bank with us and we look forward to serving you.
MemberFDIC @ ,>:'_:(;1
Commercial Account
Statement
o OF 2
Beginning September 01, 2007
through September 30, 2007
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checkingw/Interest
400407 - 654- 3
o
Total Deposits & Credits
28,184.50
o
e
Total Interest Paid
64.43
Current Balance
26,006.58
~~ Citizens Bank
CONTACT
ROBERT HATFIELD
0880
TOWN OF WAPPINGER
REALTY TAX ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-4004
FROM 10-01-2007
TO 10-31-2007
PAGE 1
RBS CITIZENS, N.A.
GROUP NO. 0880
ACCOUNT NO. 0880
--------------------------------------------------------------------------------------
400216-270-1
400407-655-1
MUNICIPAL CHECKING WITH INT
MUNICIPAL CHECKING WITH INT
AVERAGE LEDGER BALANCE
LESS AVERAGE FLOAT
AVERAGE COLLECTED BALANCE
LESS RESERVE REQUIREMENT
AVERAGE AVAILABLE BALANCE
LESS BALANCE REQUIRED
17,747.64
.00
-----------------
RATE
10.000
17,747.64
1,774.76-
-----------------
15,972.88
58,083.46-
-----------------
EARNINGS CREDIT ALLOWANCE
TOTAL CHARGE FOR SERVICES
NET CHARGE FOR SERVICES
---SERVICE CHARGE AMOUNT
RATE
4.120
54.84
199.42-
-----------------
144.58-
--------------------------------------------------------------------------------------
144.58
SERVICES ANALYZED
SERVICE NUMBER UNIT CHARGE FOR BALANCE
UNITS PRICE SERVICE REQUIRED
CHECKING SERVICES
MONTHLY MAINTENANCE 1 34.0000 34.00 9,902.91
CHECKS AND ITEMS PAID 4 .2300 .92 267.96
FDIC INSURANCE CHARGE .14 40.77
SERIAL SORT PER CHECK FEE DDA 4 .0900 .36 104.85
ACH ELECTRONIC SVS
ACH MONTHLY FIXED CHGE 1 15.0000 15.00 4,368.93
MONEY MANAGER GPS
GPS PREV DAY SUMM - ADD'L ACCT . 50.0000 50.00 14,563.10
..
GPS PREV DAY DETAIL-ADD'L ACCT 1 20.0000 20.00 5,825.24
GPS CURR POS UNAFIL-ADD'L ACCT 1 20.0000 20.00 5,825.24
GPS INTRADAY WIRE - ADD'L ACCT 1 20.0000 20.00 5,825.24
Member FDiC @
~~ Citizens Bank
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-4004
GROUP NO.
ACCOUNT NO.
0880
0880
--------------------------------------------------------------------------------------
CONTACT
ROBERT HATFIELD
400216-270-1
400407-654-3
SERVICE
SERVICES ANALYZED
NUMBER
UNITS
MONEY MANAGER GPS
GPS PREV DAY SUMM - ADD'L ACCT
GPS PREV DAY DETAIL-ADD'L ACCT
GPS CURR POS UNAFIL-ADD'L ACCT
GPS IMTRADAY ~l~E - ADD'L ACCT
GPS INTRADAY ACH - ADD'L ACCT
ACCOUNT ANALYSIS SVS
ANALYSIS MAINTENANCE FEE
TOTAL CHARGE FOR SERVICES
Membel' FDiC G:l Equal Houslrlg U::nder
1
1
1
l
1
1
0880
FROM 10-01-2007
TO 10-31-2007
PAGE 2
MUNICIPAL CHECKING WITH INT
CONTI NUED
UNIT
PRICE
50.0000
20.0000
20.0000
2.Q.QQQQ
20.0000
19.0000
CHARGE FOR
SERVICE
BALANCE
REQU IRED
50.00
20.00
20.00
2.Q.QQ
20.00
19.00
14,563.10
5,825.24
5,825.24
5..82.5..2.4.
5,825.24
5,533.98
------------------------------
283.65
82,616.46
~~ Citizens Bank
CONTACT
ROBERT HATFIELD
0880
TOWN OF WAPPINGER
REALTY TAX ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-4004
FROM 09-01-2007
TO 09-30-2007
PAGE 1
RBS CITIZENS, N.A.
GROUP NO. 0880
ACCOUNT NO. 0880
400216-270-1
400407-655-1
MUNICIPAL CHECKING WITH INT
MUNICIPAL CHECKING WITH INT
--------------------------------------------------------------------------------------
AVERAGE LEDGER BALANCE
LESS AVERAGE FLOAT
AVERAGE COLLECTED BALANCE
LESS RESERVE REQUIREMENT
AVERAGE AVAILABLE BALANCE
LESS BALANCE REQUIRED
333,316.12
14,481.77-
-----------------
RATE
10.000
318,834.35
31,883.43-
-----------------
286,950.92
76,176.71-
-----------------
EARNINGS CREDIT ALLOWANCE
TOTAL CHARGE FOR SERVICES
NET SERVICE CREDIT
RATE
4.390
1,049.76
278.68-
-----------------
771.08
---SERVICE CHARGE AMOUNT
.00
--------------------------------------------------------------------------------------
SERVICES ANALYZED
SERVICE NUMBER UNIT CHARGE FOR BALANCE
UN ITS PRICE SERVICE REQUIRED
CHECKING SERVICES
MONTHLY MAINTENANCE 1 34.0000 34.00 9,293.84
CHECKS AND ITEMS PAID 1 .2300 .23 62.87
DEPOS ITS 3 1.0500 3.15 861 . 04
ITEMS DEPOS ITED 127 .1900 24.13 6,595.89
DEPOSITED CK RETURN FEE 2 20.0000 40.00 10,933.94
FDIC INSURANCE CHARGE 2.71 740.77
SERIAL SORT PER CHECK FEE DDA 1 .0900 .09 24.60
COIN & CURRENCY
CURRENCY DEPOSITED .1000 - BR 8,643 .0012 10.37 2,834.62
ACH ELECTRONIC SVS
ACH MONTHLY FIXED CHGE 1 15.0000 15.00 4,100.22
o
~~ Citizens Bank
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-~00~
GROUP NO.
ACCOUNT NO.
0880
0880
--------------------------------------------------------------------------------------
MUNICIPAL CHECKING WITH INT
CONTINUED
CONTACT
ROBERT HATFIELD
0880
~00216-270-1
~00~07-65~-3
SERVICE
SERVICES ANALYZED
NUMBER
UNITS
MONEY MANAGER GPS
GPS PREV DAY SUMM - ADD'L ACCT
GPS PREV DAY DETAIL-ADD'L ACCT
GPS CURR pas UNAFIL-ADD'L ACCT
GPS INTRADAY WIRE - ADD'L ACCT
GPS INTRADAY ACH - ADD'L ACCT
ACCOUNT ANALYSIS SVS
ANALYSIS MAINTENANCE FEE
TOTAL CHARGE FOR SERVICES
f::-"t
1
1
1
1
1
1
FROM 09-01-2007
TO 09-30-2007
PAGE 2
UNIT CHARGE FOR BALANCE
PRICE SERVICE REQUIRED
50.0000 50.00 13,667. ~2
20.0000 20.00 5,~66.97
20.0000 20.00 5,~66.97
20.0000 20.00 5,~66.97
20.0000 20.00 5,466.97
19.0000 19.00 5,193.62
------------------------------
26~.83 72,390.82
~
----
~~ 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
sAt OlJt..5t
Current Balance
Your current balance on this statement
2
List deposits which do not appear on
this statement
Date
Amount
Date
Amount
10$ Jj /g/);LjS
\::./ Total of 2
f;;\$11/ X 1. ~ ~
\::.J Subtotal of 1 an 2
3
Subtotal by adding 1 and 2
4
List outstanding checks, transfers, debits,
pas purchases or withdrawals that do not
appear on this statement
Date/
Check No. Amount
Date/
Check No. Amount
8$~_~/I?/~{jf4
0)$ I Lj{ 7 /}!/ Ll~
;- Total
5
Subtract 4 from 3. This should match your
checkbook register balance
Mefllbf'l" @
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 BHl
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 for 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 01 within 100 miles of
your mailing address. (If we own or operate the merchant, (lr if we mailed you
the advertisement for the property or services, all purchases are covered
regardless of amount or locatlOn 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 Investigation.
finance Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Daily Balance Computation Method
f<1lculoting yo!Jl'firnmc~tharge --------- - ---
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 transactlOns 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.