2007-02
~~ 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 February 01, 2007
through February 28, 2007
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
30,686.16
32,775.82 -
179.74 -
18,297.15 +
70.20 +
16,097.95 =
Balance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield famed
Number of Days Interest famed
Interest famed
Interest Paid this Year
18,828.86
4.86%
4.97%
28
70.20
131.70
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
Previous Balance
TRANSACTION DETAILS
Checks' There is a break in check sequence
Check # Amount Date
1006 135.00 02/22
1007 119.15 02/15
1008 27.00 02/16
Debits
Other Debits
Date
02/15
02/16
Check #
1009
1010
Amount
30.00
32,464.67
Amount Descr1ptlon
89.74 Nysdec Decals ach 070215 137107045010712
90.00 Deposited Check Returned
Deposits & Credits
Date Amount
02/01 2,179.40
02/02 227.75
02/05 429.75
02/06 1,861.50
02/07 256.00
02/08 2,675.25
02/08 810.00
02/09 317.00
02/12 307.00
02/13 225.50
02/15 98.75
02/16 762.25
02/20 459.25
G
Oescr1ptlon
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
Deposit
liTlr1w:anl !niormalion
Date
02/15
02/12
30,686.16
<:)
Total Checks
32,775.82
<:)
Total Debits
179.74
..
~~ 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 page
Deposits & Credits (continued)
Date Amount Description
02/21 209.00 Deposit
02/22 1,894.50 Deposit
02/23 335.00 Deposit
02/26 279.00 Deposit
02/27 289.75 Deposit
02/27 90.00 Deposit
02/28 4,590.50 Deposit
Interest
Date
02/28
Amount Description
70.20 Interest
Daily Balance
Date Balance Date Balance Date
02/01 32,865.56 02/09 39,442.81 02/21
02/02 33,093.31 02/12 7,285.14 02/22
02/05 33,523.06 02/13 7,510.64 02/23
02/06 35,384.56 02/15 7,370.50 02/26
02/07 35,640.56 02/16 8,015.75 02/27
02/08 39,125.81 02/20 8,475.00 02/28
I NEWS FRO M CITIZENS
Balance
8,684.00
10,443.50
10,778.50
11,057.50
11,437.25
16,097.95
--A small business can run into many unexpected surprises, needs, as well as
opportunities. Citizens Bank can help your business be prepared with either a business loan
or business line of credit. When you borrow money for your business from Citizens Bank, you
work with the #1 SBA lender in New England and Pennsylvania. You'll save time and money with
our streamlined application process and specially-designed business loans. To learn more
about our business loans, lines of credit and other valuable services, visit your nearest
branch, go to citizensbank.com or call1-800-4BUSINESS.
--Looking for high yields and easy access to your cash savings? Look no further! Citizens
Bank offers savings and money market accounts with great rates and the peace of mind of FDIC
insurance. Whether you are just starting out or looking to preserve your liquid cash
investment, we have an account to suit your needs. For more information, to open an account,
or add to your existing balance, visit your local branch today or call 1-877-690-8165.
Member FDIC. See a banker regarding FDIC coverage and transaction limitations.
--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.comjmerchantservices or call 1-866-336-5965.
(;J
II
Commercial Account
Statement
o OF 2
Beginning February 01, 2007
through February 28, 2007
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/lnterest
400407-654-3
o
Total Deposits & Credits
18,297.15
o
e
Total Interest Paid
70.20
Current Balance
16,097.95
~~ Citizens Bank
Checking Account Balance Worksheet
Customer Service
Before completing this worksheet, please be sure
to adjust your checkbook register balance by
. Adding any interest earned
· Subtracting any fees or other charges
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:
Your current balance on this statement
$ / ~Oil~l ~ 95
Current Balance
Citizens Bank
Customer Service Center
P,O. Box4200t
Providence, RI 02940-2001
1
2
Deposn Accounts are Non-Transferable
List deposits which do not appear on
this statement
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 Translers or
Loan Statements
Date
Amount
Date
Amount
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 slatement on which
the error or problem appeared. You can call us, but you must also write to us to fully
preserve your rights.
@$?tt4;;D
Total of 2
0d~ f1~;0~~
In your letter, please give us the following 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 of
why you believe there is an error or why you need more information.
3
4
Subtotal by adding 1 and 2
List outstanding checks, transfers, or
withdrawals that do not appear on this
statement
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) 10 complete our investigation, we
will credit your account for the amount in question so that you have use of the
money during that time.
Datel
Check No.
Amount
Datel
Check No.
Amount
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 lor Overdran Line 01 Credit Accounts
Based on Average Deily Balance Computation Method
Calculating your Finance Charge
We compute your finance charge by muniplying the Average Daily Balance of your
account by the Daily Periodic Ra1e and then multiplying the resull 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
Une of 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.
O I) /', .c. '. ll"."
. I ,. ..J. .
- $(J:t' \..e/ ,->_/l./.' , J - /
IotalDfA
Change of Address
5
Subtotal 4 from 3. This should match your
checkbook register balance.
p1eflse can the r.umbcr-Sl'l~?5h thelTorrt {'If YDuretaTementtonotifyus of a chailge'oV---
0) 1)Lj;.c-. /) ,-- ~ress.
- $ ,?(, .:.J or" ') V
Total Thank you (or banking with Citizens Bank.
fPj~
G
SPE reverse Side 101 mportant Informal!on
AMOUNT
90.00
REASON
STOP PAYMENT
RETURNED DEPOSITED ITEM NOTICE
DATE 02-16-07
MAKER
FEE DEPOSIT DATE REFERENCE #
20.00 02-08-2007 000067544888
---------------
90.00
TOTAL FOR
1 ITEMS
TOTAL FEE
------
;.
20.00
THE ITEMCSJ SHOWN ABOVE WAS DEPOSITED TO YOUR BANK ACCOUNT, BUT IT HAS BEEN RETURNED UNPAID
FOR THE REASON INDICATED. WE HAVE ENCLOSED THE ITEM AND SUBTRACTED THE AMOUNT FROM YOUR ACCOUNT
BALANCE AND THE ASSOCIATED FEES WILL BE REFLECTED ON YOUR NEXT ACCOUNT ANALYSIS STATEMENT.
PLEASE ADJUST YOUR ACCOUNT BALANCE. IF YOU HAVE ANY QUESTIONS OR CONCERNS, PLEASE CONTACT US AT
THE NUMBER LISTED BELOW. THANK YOU.
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY 12590-4004
DEPOSITING ACCOUNT NUMBER
CHARGE ACCOUNT NUMBER
40-0407-654-3
40-0407-654-3
CITIZENS BANK N.A. 880
CUSTOMER SERVICE
1-800-922-9999
MQney Manager' - GPS: Image
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> Returned Deposit Item Image
Deposit Acc~unt: 4004076543, Posting Date: 02/16/2007, Amount: $90.00, Check #: 0, Return Account: 45511343004709
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Deposit Account: 4004076543, Posting Date: 02/16/2007, Amount: $90.00, Check #: 0, Return Account: 45511343004709,
Return Routing #: 256074974
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Amount $90.00
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Kimberlyhttp://wiismab00035009/inquiry/pagelitemprint.jsp?BEANNAME=ArchiveItemListdetails&counter= 1 J 71998717961... 212012007
02/21/2007 11:36
.
NO. 288 GJ001
..
Cash Management Client Services
1 Citizens Drive, ROP148
RiWrside, RI 02915
Phone: 877-550-5933
Fax: 871-719-6$25
~.~
Fax
To:
Chris
Fro"'~ Kimberly Duckworth
Fax: 845-298-1478
PagH: 2 Including coversheet
Phone:
Date:
Wednesday. February 21. 2007
Re;
o Urgent X For Review 0 Please Comment 0 Please Reply 0 Please Recycle
If you have any further questions or concerns, please call me at 871-550-5933.
Sincerely,
Kimberly Duckworth
Cash Management Client Services
cnent SElrvices Specialist II