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2007-01 ~~ Citizens Bank 1-800-862-6200 Call Citizens' PhoneBank anytime for account information, current rates and answers to your questions. USOOl BR624 TOWN OF WAPPINGER TOWN CLERK ACCOUNT 20 MIDDLEBUSH RD WAPPINGERS FALLS NY 4 1 12590-4004 Commercial Account Statement o OF 2 Beginning November 10, 2006 through January 31, 2007 Commercial Checking SUMMARY Balance Calculation Balance .00 Average Daily Balance 35 , 136.58 - / Interest 197.65 .v 65,958.89 + Current Interest Rate 61. 50 + Annual Percentage Yield Earned 30,686.16 = Number of Days Interest Earned Interest Earned Interest Paid this Year Previous Balance Checks Debits Deposits & Credits Interest Paid Current Balance 5,611.08 4.86% 4.91% 83 61. 50 61. 50 TRANSACTION DETAilS Checks. There is a break in check sequence Check # Amount Date 1002 122.67 01/18 v/ 1003 27.00 01/18 Check # 1004 1005 Amount 180. 00 34,806.91 Ueblfs Other Debits Date 01/23 Amount Description 197.65 Nysdec Decals_ach 070122 137107021011641 Deposits & Credits Date Amou nt 01/03 4,651.50 01/04 554.00 01/05 112.00 01/08 4,456.50 01/09 584.25 01/10 2,231.85 01/10 2,010.00 01/11 1,900.00 01/11 334.50 01/12 30,775.04 01/12 144.00 01/16 430.25 01/16 235.00 01/16 15.00 01/17 1,228.50 G:l Description Deposit'i Deposit .I Deposit Deposit v/ Deposit v Deposit.!'! Deposit :I Deposit / Deposit v Deposit ./ Deposit ;:/ Deposit Deposit -1 Deposit v/ Deposit Date 01/26 ",./ 01/17 ./ TOWN OF WAPPINGER TOWN CLERK ACCOUNT Municipal Checking w/Interest 400407-654-3 Previous Balance .00 e Total Checks 35,136.58 e Total Debits 197.65 ./ ~I Citizens Bank 1-800-862-6200 Call Citizens' Phone Bank anytime for account information, current rates and answers to your questions. Commerdal Checking continued from previous page Deposits & Credits (continued) Date Amount Description 01/18 229.50 Deposit ~ 01/19 114.75 Deposit v 01/22 2,056.00 Deposit ~ 01/23 3,401. 00 Deposit 01/24 810.00 Deposit,!'./ 01/24 345.00 Deposit v / 01/24 67.00 Deposit ~ 01/25 1,192.00 Deposit ~ 01/26 6,471.75 Deposjtv/ 01/29 891. 00 DepOsIt....... 01/29 270.00 Deposit ~ 01/29 180.00 Deposit..- 01/30 166.25 Deposit '" 01/31 72.25 Deposit /; 01/31 30.00 Deposit Interest Date 01/31 Amount Description 61. 50 Interest Daily Balance Date Balance Date Balance Date 01/03 4,651. 50 01/12 47,753.64 01/24 01/04 5,205.50 01/16 48,433.89 01/25 01/05 5,317.50 01/17 14,855.48 01/26 01/08 9,774.00 01/18 14,935.31 01/29 01/09 10,358.25 01/19 15,050.06 01/30 01/10 14,600.10 01/22 17 , 106.06 01/31 01/11 16,834.60 01/23 20,309.41 I NEW S FRO M CITIZENS Balance 21,531.41 22,723.41 29,015.16 30,356.16 30,522.41 30,686.16 --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 limit<1tions. --PrivacyGuard (trademark) is a secure, easy way for you to instantly check your credit report online, monitor your credit on a regular basis and ensure its accuracy. If inaccurate information slips into your record, you'll not only be the first to know - you can easily correct it. It's also the first step in spotting identity theft, the #1 consumer fraud complaint in the U.S. Receive a complete rundown of your entire credit history from not just one, but all 3 national reporting agencies: Equifax, Experian, and TransUnion. PrivacyGuard (trademark) consolidates all the information for you in one easy-to-read report. Visit www.CitizensBank.comjprivacyguard to learn more. -- Turn groceries into getaways. With Citizens Bank Rewards enjoy the convenience of paying with your debit card and get more than a receipt for your everyday purchases. Rewarding yourself is easy. Earn one Everyday Point for every dollar spent with your debit card on non-PIN purchases and double points on qualifying purchases. For program details and complete Terms and Conditions go to citizensbank.comjrewards. To get a Citizens Bank Debit Card or enroll in Rewards call 1-888-777-3946 or visit your nearest branch today. Member FDIC. --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 1t1 SBA lend-er in N-ew [)"l-g-land and Pennsyl:vania. 'fu-u!llsav-e throe and money- with- om 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. ~"t'mbf'r'f ~ HOU",irliJ l Commercial Account Statement o OF 2 Beginning November 10, 2006 through January 31, 2007 TOWN OF WAPPINGER TOWN CLERK ACCOUNT Municipal Checking w/Interest 400407-654-3 o Total Deposits & Credits 65,958.89 o o Total Interest Paid 61.50 Current Balance 30,686.16 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 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. 1"':\ $ Change of Address ~ Totalof4 . j Please call the number shown on the front of your statement to notify us of a change of t';;\ $ J q / ~ 5,! J address Q Total Thank you for banking with Citizens Bank. ~~ 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 $ 30&gG./~ Current Balance Your current balance on this statement List deposits which do not appear on this statement I~ate 13; .:1.1, "~/:2 Jt; q /JS,"'" ;;/{"' It I, llleo 3 Subtotal by adding 1 and 2 4 Amount d/7?4o ..,,,,.,,,,r- ,~tJ'!" '!~, I,J Da~k Amount d-r'"t, ,/) () i 10 ,4 (; ,.< IJ I) 5,.,,(.r- t:j:\ $ g elf 39. {, ~ \..:..J Total of 2 G\$ 3q /';{5,~/ Q Subtotal 01 1 and 2 .;2/ ,7 ,;,ii List outstanding checks, transfers, or withdrawals that do not appear on this statement Date/ Check No. Date/ Check No. Amount Amount 5 Subtotal 4 from 3. This should match your checkbook register balance. (~ Customer Service II 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, R102940.200t 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 Statemenls II 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. 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. Finance Charge Calculetlons for Overdraft Line of Credit Accounts Based on Average Datly Balance Computation Method Calculating your Finance Charge We compute your finance charge by multiplying the Average Daily Baiance of your account by the Daily Periodic Rate and then multiplying the result by the number of days in the biliing cycle. .u. ~~ Citizens Bank c ,/ -~ ~ MemberFDIC @ Equd! HGusir:~J Ltlioer III BankofAmerica ~ ~~~ Bank of America, N.A. ....-:.; 1'.0. Box 25118 Tampa, FL 33622-5118 ~ Page 1 of 4 Statement Period 01/01/07 through 01/31/07 EOO P PC OC 0016861 Enclosures 1 60 Account Number 0094 0006 4928 1...11..1.1.1.1.1.1..11...11" ...11." 1.1.1..1..1.1.1..11..1.1 01487 001 SCH999 0 TOWN OF WAPPINGER FEE ACCOUNT PO BOX 324 WAPPINGERS FALLS NY 12590-0324 o Recycled Paper Hi TOWN OF WAPPINGER FEE ACCOUNT Page 2 of 4 Statement Period 01/01/07 through 01/31/07 F1J0 P PC OC Enclosures 1 60 Account Number 0094 0006 4928 Thank you for banking with Bank of America. - !!!!!! - !!!!!! iiiii - iiiii !!!!!! iiiiiiii!ii !!!!!! iiiii - == - - !!!!!! !!!!!! - - !!!!!! - BankofAmerica ~ ~--~ ~ IItf TOWN OF WAPPINGER FEE ACCOUNT Page 3 of 4 Statement Period 01/01/07 through 01/3l/07 EOO P PC OC 001686; Enclosures 1 60 Account Number 0094 0006 4928 Public Funds Interest Checking TOWN OF WAPPINGER FEE ACCOUNT Your Account at a Glance Account Number 0094 0006 4928 Statement Period 01/01/07 through 01/31/07 Number of Deposits/Credits 1 Number of Withdrawals/Debits 1 Statement Beginning Balance Amount of Deposits/Credits Amount of Withdrawals/Debits Statement Ending Balance Average Ledger Balance Service Charge Interest Information 31 $30,682.73 $92.31 $30,775.04 $0.00 $10,899.33 $0.00 Number of Days in Cycle Amount of Interest Paid Annual Percentage Yield Earned This Statement Period $0.00 0.00% Interest Paid Year-to-Date Withholding Year-to-Date $0.00 $0.00 Deposits and Credits Date Customer Posted Reference Amount ($) Description I v' 92.31 Dec 06 Analysis Interest Paid Withdrawals and Debits Hank Reference 01/08 940301080000001 Other Debits Date Customer Posted Reference Amount ($) Description Bank Reference 01/12 30,775.04 Counter Debit 813004170333185 Date Balance ($) 30,682.73 Date Daily Ledger Balances Balance ($) Date Balance ($) 0.00 01/01 01/08 I 30,775.04 v' 01/12 . /let. &/ ~I , . j . . /".' \,j{tL/L,"ij-t.,z.., Jo LL. J[~ I ,,--.L [7U 1/.z/c2t t' '1. . eo) 2.: "/}{a(l( (.) o Recycled Paper H-I Page 4 of 4 How To Balance Your Bank of America Account FIRST, start with your Account Register/Checkbook: $ $ 3. Add any credits not previously recorded that are listed on this statement (for example Interest) ................................................................................... $ $ 1. List your Account Register/Checkbook Balance here 2. Subtract any service charges or other deductions not previously recorded that are listed on this statement ..................................... 4. This Is your NEW ACCOUNT REGISTER BALANCE ................................................................................................................,............,........................................................................ NOW, with your Account Statement: t. List your Statement Ending Balance here .............................................,.............. .................................................................................................................................................................... $ 2. Add any deposits not shown on this statement .................................................................................................................................................................................................................. $ SUBTOTAL ............................................................. $ 3. List and total all outstanding checks, A TM, Check Card and other electronic withdrawals Checks, ATM, Check Card, Checks, ATM, Check Card, Checks, ATM, Check Card, Electronic Withdrawals Electronic Withdrawals Electronic Withdrawals Date/Check # Amount Date/Check # Amount Date/Check # Amount - !!!!! iiiiiii !!!!! iiiiiii - $ 4. TOTAL OF OUTSTANDING CHECKS, ATM, Check Card and other electronic withdrawals ................................................................................................ 5. Subtract total outstanding checks, ATM, Check Card and other electronic withdrawals from Subtotal This Balance should match your new Account Register Balance ..................................................................................................................................... ........................... $ Upon receipt of your statement, differences, if any, should be reported to the bank promptly In writing and in accordance with provisions in your deposit agreement. iiiiiii !!!!!! i!iiiii! !!!!!! iiiiii - - - !!!!! !!!!! ~ - !!!!! IMPORTANT INFORMATION FOR BANK DEPOSIT ACCOUNTS Change of Address. Please call us at the telephone number listed on the front of this statement to tell us about a change of address. Deposit Agreement. When you opened your account you received a deposit agreement and fee schedule and agreed that your account would be governed by the terms of these documents, as we may amend them from time to time. These documents are part of the contract for your deposit account and govern all transactions relating to your account, including all deposits and withdrawals. Copies of both the deposit agreement and fee schedule, which contain the current version of the terms and conditions of your account relationship, may be obtained at our banking centers. Electronic Transfers: In case of errors or questions about your electronic transfers If you think your statement or receipt is wrong or if you need more information about an electrOnic transfer (e.g., ATM transacilons, direct deposits or withdrawals, point-of-sale transactions) on the statement or receipt, telephone or write us at the address and number listed on the front of this statement as soon as you can. 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. . Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more Information. . Tell us the dollar amount of the suspected error. For consumer accounts used primarily for personal, family or household purposes, we will investigate your complaint and will correct any error promptly. If we take more than 10 business days (10 calender days if you are a Massachusetts customer) (20 business days if you are a new customer, for electronic transfers occurring during the first 30 days after the first deposit is made to your account) to do this, we will recredit your account for the amount you think Is in error, so that you will have use of the money during the time it takes us to complete our investigation. For other accounts, we investigate, and if we find we have made an error, we credit your account at the conclusion of our investigation. Reporting Other Problems. You must examine your statement carefully and promptly. You are in the best position to discover errors and unauthorized transactions on your account. If you fail to notify us in writing of suspected problems or unauthorized transactions within the time periods specified in the deposit agreement (which periods are no more than 60 days after we make the statement available to you and in some cases are 30 days or less), we are not liable to you for, and you agree not to make a claim against us for the problems or unauthorized transactions. Direct Deposits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you may call us at the telephone number listed on the front of this statement to find out if the deposit was made as scheduled. Bank of America, M.A. Member FDIC and -G:r Equal Housing Lender