2006-04
BankofAmerica ~
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Bank of America, N.A. ~ i!l
P.O. Box 25118
Tampa, FL 33622-5118
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Page 1 of 5
Statement Period
04/01/06 through 04/30/06
FDO P PC OC 0011067
Enclosures 5 60
Account Number 0094 0006 4928
1...11..1.1.1.1.1.1..11'1111"11111...1.1.1..1..1.1.1..11..1.1
29487 001 SCH999
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TOWN OF WAPPINGER
FEE ACCOUNT
PO BOX 324
WAPPINGERS FALLS NY 12590-0324
o Recycled Paper
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TOWN OF WAPPINGER
FEE ACCOUNT
Page 2 of 5
Statement Period
04/01/06 through 04/30/06
IDO P PC OC
Enclosures 5 60
Account Number 0094 0006 4928
Thank you for banking with Bank of America.
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BankofAmerica __~
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TOWN OF WAPPINGER
FEE ACCOUNT
Page 3 of 5
Statement Period
04/01/06 through 04/30/06
EDO P PC OC 0011069
Enclosures 5 60
Account Number 0094 0006 4928
Full Analysis Business CheCking
TOWN OF WAPPINGER FEE ACCOUNT
Your Account at a Glance
Account Number 0094 0006 4928
Statement Period 04/01/06 through 04/30/06
N umber of Deposits/Credits 22
Number of Withdrawals/Debits 7
Number of Days in Cycle
30
Statement Beginning Balance
Amount of Deposits/Credits
Amount of Withdrawals/Debits
Statement Ending Balance
Average Ledger Balance
Service Charge
$42,972.20
$22,286.95
$47,780.70
$17,478.45
$22,365.62
$0.00
Deposits and Credits
Date Customer
Posted Reference
Amount ($) Description
/ 4,798.50 Deposit
J 204.00 Deposit
J 486.00 Deposit
J 244.50 Deposit
J 202.00 Deposit
Deposit
/750.00 eposit
/( /)..1601500.00 eposit
':)J. /235.00 eposit
52. Deposit
I .00 Deposit
5~005.50 Deposit
J197.00 Deposit
1532.00 Deposit
/2,417.65 Deposit
/1,462.25 Deposit
/,163.00 Deposit
/341.25 Deposit
12,002.50 Deposit
11,604.00 Deposit
J 576.75 Deposit
I 62.00 Deposit
Bank
Reference
04/03
04/04
04/05
04/06
04/07
04/10
04/11
04/11
04/11
04/11
04/12
04/13
04/17
04/18
04/19
04/20
04/21
04/24
04/25
04/26
04/27
04/28
813004470892631
813004270760654
813004270148592
813004570921750
813004870331785
813004970669006
813004170895216
8130041'70895241
813004170895246
813004170895243
813004270998710
813004770376910
813004470830782
813004170698202
813005470178980
813004470017125
813004670114327
813004170907050
813005270649390
813004470756752
813004470248834
813004.770441647
Withdrawals and Debits
Checks
Check
Number
Date Bank
Amount ($) Posted Reference
Check
Number
Date Bank
Amount ($) Posted Reference
1602
1603
1604
149.22
45.00
45.00
04/11 813100970434044
04/13 813000392558957
04/13 813005070166752
1605
1606
247.50
46,463.07
04/27 813001092589492
04/10 813004370673377
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TOWN OF WAPPINGER
FEE ACCOUNT
Page 4 of 5
Statement Period
04/01/06 through 04/30/06
FllO P PC OC
Enclosures 5 60
Account Number 0094 0006 4928
Withdrawals and Debits - Continued
Other Debits
04/17
04/25
Amount ($) Description
I 820.91 Nysdec Des:Decals ach ID:137106104011054
o Iudll:ToW'n.J)f WAppimmr - Co ID:11460132oo ppd
.; 10.00 Return Item Chargeback -=>
Bank
Reference
Date Customer
Posted Reference
900661041273711
941104250757175
Date Balance ($)
04/01 42,972.20
04/03 47,770.70
04/04 47,974.70
04/05 48,460.70
04/06 48,705.20
04/07 48,907.20
04/10 2,686.68
Date
Daily Ledger Balances
Balance ($)
04/11
04/12
04/13
04/17
04/18
04/19
04/20
4,074.96
4,282.96
9,198.46
8,574.55
9,106.55
11,524.20
12,986.45
Date Balance ($)
04/21 13,149.45
04/24 13,490.70
04/25 15,483.20
04/26 17,087.20
04/27 17,416.45
04/28 17,478.45
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BankofAmerica __~
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Page 5 of 5
0011 071
How To Balance Your Bank of America Account
FIRST, start with your Account Register/Checkbc.ok:
1. List your Account Register/Checkbook Balance here
$ J, I,~&% ,J~"tsa;s ~N6
$ J. ClfH5UJf;d,ib/f ~$
$
$gl,f<5f. /{51
,
2. Subtract any service charges or other deductions not previously recorded that are listed on this statement ......................................................
3. Add any credits not previously recorded that are hstej on this statement (for example interest) ...................................................................................
4. This is your NEW ACCOUNT REGISTER BALANCE
NOW, with your Account Statement:
1. Li st your Statement Endi ng Balance here ............................... .......................................................................................................................................................................................... $
2. Add any deposits not shown on thi s statement ............. ................................................................................................................................................................................................... $
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.
SUBTOTAL ................................................................. $
3. List and total all oulstanding checks, ATM, Check Card and other electronic withdrawals
~ Ij51,~51
Checks, ATM, Check Card, Checks, ATM, Check Card, Checks, ATM, Check Card,
Electronic Withdrawals Eeetrcnic Withdrawals Electronic Withdrawals
Date/Check # Amount Date/Check # Amount Date/Check # Amount
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--
$
4. TOTAL OF OUTSTANDING CHECKS, ATM, Check Ca.-d and other electronic withdrawals ................................................................................................
5. Subtract total outstanding checks, ATM, Check Card 3nd other electronic withdrawals from Subtotal
This Balance should match your new Account Registf r 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.
IMPORTANT INFORMATION FOR BANK DEPOSIT ACCOUNTS
Change of Address. Please call us at the telephone nunber 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, ircluding all deposits and Withdrawals. Copies of both the deposit agreement and fee schedule,
which contain the current version of the terms and condi lions 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 YOl need more information about an electronic transfer (e.g., ATM transactions, 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 th;,n 60 days after WP. sent you the ElRST statement on which the error or prohlem appeared.
* Tell us your name and account number.
* Describe the error or the transfer you are unsure abuut, 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 cCllender days if you are a Massachusetts customer) (20 business days if you are a new customer,
for electronic transfers occurring during the first 30 day; 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 0" 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 stiltement 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 HO 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 clilim against us for the problems or unauthorized transactions.
Direct Deposits. If you have arranged to have direct dl'posits 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.
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Bank of America, N.A. Member FDIC and -G:l Equal Housing Lender
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04/25/2006 ~
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ALOYSUIS KERmNG ~ 1~ - 's \ \
DAWN KERSTING
25N AWTE ID
WAf'PffGERS FAU.S, NY ,~
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BANK OF AMERICA, N.A.
EAST RETURN ITEMS
P.O. BOX 2518
HOUSTON, TX 77252-2518
Page 01 of 01
Bank 00487
Center :
Divider: 3,036
Code 3 B
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TOWN OF WAPPINGER
FEE ACCOUNT
PO BOX 324
WAPPINGERS FALLS NY
US
Deposit Account: 940-006-4928
Charge Account : 940-006-4928
Store/Reference:OOOOOOOOOOOOOO
12590-0324
Dear Valued Customer:
Date of Notice: 04-25-2006
The item(s) below, which were deposited to your account, have been returned unpaid.
Ther.f4~e,we have charged them to your ~c~oun~. Fees for analyzed accounts are itemized
on the account analysis statement.
If you have any questions or need additional information, please contact one of our
Customer Service representatives at 1-800-432-1000. Thank yoU for choosing Bank of
America. -tt . ."
Number of Returned Items:
Amount of Returned Item(s):
1
10.00
SEQUENCE/
DEP DATE
00970757175
4/20/2006
ABA NUMBER/
DEP AMOUNT
0213-1310
1,462.25
MAKER NAME/
CHECK DATE
RETURN REASON/
LD.
Refer to Item
AMOUNT
10.00
TOWN OF WAPPINGER
TOWN CLERK
CHRIS MASTERSON
SUPERVISOR
JOSEPH RUGGIERO
TOWN CLERK'S OFFICE
20 MIDDLEBUSH ROAD
WAPPINGERS FALLS, NY 12590
(845) 297-5771
FAX: (845) 298-1478
TOWN COUNCIL
VINCENT BETTINA
MAUREEN McCARTHY
JOSEPH P. PAOLONI
ROBERT L. VALDATI
May 4, 2006
. 1
GOP'"
Mr. & Mrs. AIoysuis Kersting
2524 Route 9D
Wappingers Falls, New York 12590
Dear Mr. Kersting:
Our bank just returned your check #131 in the amount of $10.00 for insufficient
funds.
An effort has been made on May 1, 2006 and May 3, 2006 to contact you by phone to
make you aware of this matter. It is necessary that you make restitution as soon as
possible, since our books close the first of each month and we must make a re-
deposit to cover our disbursements.
In addition to the initial amount of the returned check, there is a Service Chan!e of
$35.00 on any returned check, therefore, we must receive CASH ONLY to cover
these charges.
It would be appreciated, therefore, if you take time to remedy this matter as soon as
possible to avoid any further action on our part.
Thank you,
D~~~wnClerk
Town of Wappinger
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