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2008-01 ~~ Citizens Bank 1-800-862-6200 Call Citizens' Phone Bank 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 January 01, 2008 through January 31, 2008 Commercial Checking 12590-4004 SUMMARY Balance Calculation Previous Balance Checks Debits Deposits & Credits Interest Paid Current Balance 19,854.78 20,106.82 - 236.28 - 76,439.60 + 143.33 + 76,094.61 = Balance Average Daily Balance Interest Current Interest Rate Annual Percentage Yield Earned Number of Days Interest Earned Interest Earned Interest Paid this Year 43,945.88 3.50% 3.91% 31 143.33 143.33 TOWN OF WAPPINGER TOWN CLERK ACCOUNT Munidpal Checking wjInterest 400407-654-3 Previous Balance TRANSACTION DETAilS Checks' There is a break in check sequence Check n 1056 1057 1058 Debits Other Debits Date 01/02 01/15 01/29 Amount 26.57 109.71 100.00 Deposits & Credits Date Amount 01/02 361.75 01/03 2,285.10 01/04 2,260.75 01/07 638.00 01/08 2,573.25 01/09 35,741.00 01/10 398.00 01/11 534.50 01/14 474.00 01/15 60.50 01/16 1,065.00 01/17 900.00 FDIC GJ Amount 67.50 24.00 111.62 Date 01/22 V 01/14 ,j 01/04 ./ Check n 1059 1060 Amount 19,902.65 1.05 Description Clarke American Chk Order 071229 Zqiq833103564J)0 Nysdec Decals_ach 080115 137108014003336 ,/ Deposited Check Returned . 'v" Description Deposit J Deposjt ./; DeposltV / DepositV Deposit " , Deposit "" Deposit ../ Deposit Deposit ~ Deposit", / Deposit v Deposit ./ Lemler / V Date 01/03V' . 01/14 V' 19,854.78 e Total Checks 20,106.82 e Total Debits 236.28 -.----------- ~:€ Citizens Bank 1-800-862-6200 Call Citizens' PhoneBank anytime for account information, current rates and answers to your questions. Commerdal Checking continued from previous page Commercial Account Statement o OF 2 Beginning January 01, 2008 through January 31, 2008 Deposits & Credits (continued) Date Amount DeS(rlptlon / 01/17 770.00 Deposit v/ 01/17 460.00 Deposit~ 01/18 9,525.00 Deposit 01/22 977 .00 Deposit~ 01/23 3,031.50 Deposit ~ 01/24 4,913.50 Deposit. / 01/25 4,651.75 Deposit v / 01/28 1,311. 00 Deposit v/ 01/29 2,794.00 Deposjt v / 01/30 72.50 DepOSit v./ 01/31 581. 50 Deposit Interest Date 01(31 Amount Descr1ptlon 143.33 Interest Daily Balance Date Balance Date Balance Date 01/02 20,189.96 01/11 44,606.29 01/23 01/03 2,572.41 01/14 45,055.24 01/24 01/04 4,721.54 01/15 45,006.03 01/25 01/07 5,359.54 01/16 46,071.03 01/28 01/08 7,932.79 01/17 48,201.03 01/29 01/09 43,673.79 01/18 57,726.03 01/30 01/10 44,071.79 01/22 58,635.53 01/31 I NEWS FRO M CITIZENS Balance 61,667.03 66,640.53 71,292.28 72,603.28 75,297.28 75,369.78 76,094.61 --Have you made the switch? Late last year, Citizens introduced eStatements, our fast, free, and secure service that lets you enjoy any-time access to your deposit account statements. Since that time, more than one quarter million accounts have "gone paperless"! Instead of waiting for the mail every month, eStatement customers get immediate access to statements, complete with private customized notifications. Instead of filing, sorting, and storing, eStatement customers get up to 18 months of statements on their personal Online Banking site, with easy options to save statements elsewhere. eStatements are also fully printable should that need arise. All it takes to get started is an active Online Banking account. If you are already part of our online community, visit us anytime and look for the new "go paperless" option on your account listings. If you haven't yet tried Online Banking, visit citizensbank.com to get started or call us any time for more information. --Encourage Repeat Business! Sign up for a new merchant services account by March 31, 2008 and you'll also receive 100 FREE gift cards to sell to your customers. Also, with your Citizens Bank business checking account you'll receive next day settlement of funds from credit card transactions when you choose Citizens Ban k Merchant Services as your payment processor. Call1-800-4BUSINESS or stop by your local branch for details. Terms and conditions apply. --Privacy Guard is the best defense against identity theft, one of the fastest growing crimes in America today. That's why Citizens Bank is pleased to offer Privacy Guard, a comprehensive service to access your credit report and offers tools to help detect and fight against fraud. With Privacy Guard you will receive: 3-bureau credit reports, credit scores, and daily credit alerts. Enroll today and get an instant credit report and your first month of Privacy Guard for $1. Call 1-866-957-4079 to try Privacy Guard (limited time offer). Member FDIC Q Equdl H~JUsil1q II TOWN OF WAPPINGER TOWN CLERK ACCOUNT Munidpal Checking w/Interest 400407-654-3 o Total Deposits & Credits 76,439.60 o e Total Interest Paid 143.33 Current Balance 76,094.61 (hecj~ouH!~,~~,!1~t Bank Before completing this worksheet, please be sure to adjust your checkbook register balance by · Adding any interest earned · Subtracting any fees or other charges 1 Your current balance on this statement 2 List deposits which do not appear on this statement Date Amount Date Amount 3 Subtotal by adding 1 and 2 4 List outstanding checks, transfers, debits, POS purchases or withdrawals that do not appear on this statement Date/ Check No. Amount Date/ Check No. Amount 5 Subtract 4 from 3. This should match your checkbook register balance G:t 7 ~tt?l.. ~. / Current Balance Q$ ~j55:~ \:..J Total of 2 f;;\~~#: tlD \:::..J Su total of I' and 2 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 02940-2001 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 Total 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. Special 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 10catlOn 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 Based on Average Dally 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 multiplyiog 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 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. 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.