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2009-01 " .~~ Citizens Bank 1-800-862-6200 Call Citizens' PhoneBank anytime for account information, current rates and answers to your questions. US059 BR624 TOWN OF WAPPINGER TOWN CLERK ACCOUNT 20 MIDDLEBUSH RD WAPPINGERS FALLS NY 4 1 Commercial Account Statement o OF 2 Beginning January 01, 2009 through January 31, 2009 Commercial Checking 12590-4004 SUMMARY Balance Calculation Previous Balance Checks Debits Deposits & Credits Interest Paid Current Balance 16,279.69 17 ,489.12 - 79.07 - 14,014.88 + 8.39 + 12,734.77 = Balance Average Daily Balance Interest Current Interest Rate Annual Percentage Yield Earned Number of Days Interest Earned Interest Earned Interest Paid this Year 7,955.50 1.20% 1.25% 31 8.39 8.39 TOWN OF WAPPINGER TOWN CLERK ACCOUNT Munidpal Checking w/lnterest 400407-654-3 Previous Balance TRANSACTION DETAILS Checks' There is a break in check sequence Check # Amount 1113 3.00 1114 90.47 Debits Other Debits Date 01/15 01/26 Date 01/16 01/08 Check # 1115 1117* Amount 135.00 17,260.65 Amount Description 34.07 Nysdec Decals_ach 090115 137109014011034 45.00 Deposited Check Returned Deposits & Credits Date Amount Description 01/02 126.00 Deposit 01/05 1, 117.50 Deposit 01/06 608.50 Deposit 01/07 351. 00 Deposit 01/08 115.00 Deposit 01/09 2,017.50 Deposit 01/09 1,610.00 Deposit 01/09 185.00 Deposit 01/12 205.00 Deposit 01/13 146.00 Deposit 01/14 168.00 Deposit 01/15 155.00 Deposit 01/16 103.50 Deposit 01/20 2,718.50 Deposit Member FDIC @ Equal HClusing lender Date 01/14 01/05 16,279.69 <:) Total Checks 17,489.12 <:) Total Debits 79.07 ~~ 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 Acdount Statement ,# e OF 2 Beginning January 01, 2009 through January 31, 2009 Deposits & Credits (continued) Date Amount Description 01/20 500.00 Deposit 01/21 1,336.50 Deposit 01/22 278.50 Deposit 01/23 119.50 Deposit 01/26 1,711.68 Deposit 01/28 61. 50 Deposit 01/29 68.20 Deposit 01/29 45.00 Deposit 01/30 267.50 Deposit Interest Date 01/30 Amount Description 8.39 Interest Daily Balance Date Balance Date Balance Date 01/02 16,405.69 01/13 5,410.07 01/22 01/05 262.54 01/14 5,443.07 01/23 01/06 871. 04 01/15 5,564.00 01/26 01/07 1,222.04 01/16 5,664.50 01/28 01/08 1,246.57 01/20 8,883.00 01/29 01/09 5,059.07 01/21 10,219.50 01/30 01/12 5,264.07 I NEW S FRO M CITIZENS Balance 10,498.00 10,617.50 12,284.18 12,345.68 12,458.88 12,734.77 --We're here for all your borrowing needs. Mortgages and home equity lines of credit or loans for debt consolidation, education, and life events. We can help you manage your money as you start the New Year with a FIT borrowing checkup. See a banker today to discuss our convenient, hassle free, easy borrowing process. Citizens Bank is a lender you can trust. Visit your branch, call1-800-340-LOAN or www.Citizensbank.com. Member FDIC Q Equal Housing lender TOWN OF WAPPINGER TOWN CLERK ACCOUNT I Municipal Checkin~ w/Interest 400407-654-3 o Total Deposits & Credits 14,014.88 o e Total Interest Paid 8.39 Current Balance 12,734.77 \.. . ~~ 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 Your current balance on this statement 2 List deposits which do not appear on this statement Date Amount Date :;)LO'50 50 q COUJO,- Amount 1/10 V~O 3 Subtotal by adding 1 and 2 4 List outstanding checks, transfers, debits, POS purchases or withdrawals that do not appear on this statement Datej Check No. Datej Check No. Amount qo - J a 3, ~l .)ja,.>>' :J1-/7';<[ ,'"'-3 15. Amount 8$ 0$ 5 Subtract 4 from 3. This should match your checkbook register balance \~ Member FDIC @ Equal Housing Lender $ / f}13L.J 17 Current Balance 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 SelVice 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 Bill 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. Spedol 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 or within 100 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location 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 mvestigation. Finance Charge Calculations for Overdraft Line of Credit Accounts d '5 0 L.jq ,;.; 0 Based on Average Daily Balance Computation Method Total of 4 Calculating your Finance Charge - ._____.__.\Ye.'c()mP.ute your finance charge by multiplying the Average Daily Balance of your account oy tne uaily 1'ertoclttlrm am! thernnuttl]ltylng tlie'restittily-t!1e number /4 t I of days in the billing cycle. h,3 0 a, .~ ../ 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 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. 8 / ':)C)'r'"I "0 + $ ( I'-....I'.j Total of 2 t:'\$ d5, a 45,(TJ \J Subtotal of 1 and 2 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. ~~ Citizens Bank , Member FDIC @ Equal Housing Lender