2007-04
'~"$
';..lj
1-800-862-6200
Call Citizens' Phone Sank 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 Account
Statement
o OF 2
Beginning April 01, 2007
through April 30, 2007
Commercial Checking
12590-4004
SUMMARY
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
17 ,231. 14
23,219.04 -
666.25 -
51,817 .65 +
80.99 +
45,244.49 =
Ba/ance
Average Daily Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
20,274.61
4.86%
4.97%
30
80.99
240.33
TRANSACTION DETAILS
Checks* There is a break in check sequence
Check # Amount
1016 51.00
1017 155.92
Date /
04/12 "'i
04/05 V
Debits
Other Debits
Date
04/11
04/17
Check #
1018
1019
Amount
202.50
22,809.62
Amount Desaiptlon
106.95 Clarke American Chk Order 070407 Zl6q00610301200
559.30 Nysdec Decals_ach 070416 137107104011424
Deposits & Credits
Date Amount Desaiptlon
04/02 6,547.20 Deposit
04/03 240.00 Deposit
04/04 668.50 Deposit
04/05 359.50 Deposit
04/09 201.00 Deposit
04/10 660.75 Deposit
04/11 15,556.00 Deposit
04/12 2,275.00 Deposit
04/13 1,099.75 Deposit
04/16 588.50 Deposit
04/17 J.35---5.Q.J)epJls.iL_
04/17 ~' 106.95 Fee Rebate:>
__ lheck Fee Rebate
04/18 ,'::09.00 Deposit
04/19 277 . 00 Deposit
Date /
04/23
04/04 /
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Munidpal Checking wjlnterest
400407-654-3
Previous Balance
17 ,231.14
<:)
Total Checks
23,219.04
<:)
Total Debits
666.25
~~ 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
Commercial Account
Statement
e OF 2
Beginning April 01, 2007
through April 30, 2007
Deposits & Credits (continued)
Date Amount Description
04/20 493.25 Deposit
04/20 245.00 Deposit
04/23 10,859.50 Deposit
04/23 600.00 Deposit
04/24 346.50 Deposit
04/25 2,570.00 Deposit
04/26 3,814.75 Deposit
04/27 766.25 Deposit
04/30 617.75 Deposit
04/30 500.00 Deposit
Interest
Date
04/30
Amount Description
80.99 Interest
Daily Balance
Date Balance Date Balance Date
04/02 23,778.34 04/12 20,615.60 04/23
04/03 24,018.34 04/13 21,715.35 04/24
04/04 1,877.22 04/16 22,303.85 04/25
04/05 2,080.80 04/17 21,987.00 04/26
04/09 2,281.80 04/18 24,276.00 04/27
04/10 2,942.55 04/19 24,553.00 04/30
04/11 18,391. 60 04/20 25,291. 25
I NEWS FRO M CITIZENS
Balance
36,548.25
36,894.75
39,464.75
43,279.50
44,045.75
45,244.49
--Beginning June 4, 2007, the Sustained Overdraft Fee will be as follows: If the account is
overdrawn for six consecutive business days, a $35 Sustained Overdraft Fee will be assessed
on the 7th business day. If the account remains overdrawn through ten business days an
additional $35 Sustained Overdraft Fee will be assessed on the 11th business day. This
change impacts personal and small business checking and money market accounts except
Circle Checking, Circle Checking with Interest, Circle Gold Checking with Interest, Circle
Money Market and Circle Gold Money Market, Business Checking, Business Partners Plus,
Business Partners Money Market, Smart Business Commercial Checking and TCB Premier
Checking. Business deposit customers with analyzed accounts may have this fee offset by
earnings credit. Commercial and municipal products are exempt from this fee. Please consult
your Fees and Features Guide for details on the Sustained Overdraft fee.
nA 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 caII1-800-4BUSINESS.
nAre 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 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.
MF'i1i~wr' @
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/lnterest
400407-654-3
o
Total Deposits & Credits
51,817 .65
o
e
Total Interest Paid
80.99
Current Balance
45,244.49
~~ C:itizens 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 Thi;; should match your
checkbook register balance.
f.o;
$ 15of"t/4;11{9
Current Balance
0$ 10705. ~
Total of 2
0$ ?S9i~ 9"
Subtota of 1 and 2
0$ 50 11q.1f~
Total of 4
0$ .35if~_d~;
@"."
1 . {
/ ..j'
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 02940-200 t
Deposit Accounts are Non-Transferable
Personal deposit accounts. such as CDs and savings accounts, cannol 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 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 fully
preserve your rights.
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.
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 Datty Balance Computation Method
Calculating your 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.
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 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 daiiy 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 of
address.
Thank you for banking with Citizens Bank.
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~~ Citizens Bank
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