2008-06
~~ Citizens Bank
Commercial Account
Statement
1-800-862-6200
Call Citizens' Phone Bank anytime for account information,
current rates and answers to your questions.
o OF 2
US059 BR624
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
20 MIDDLEBUSH RD
WAPPINGERS FALLS NY
5
1
Beginning June 01, 2008
through June 30, 2008
12590-4004
Commercial Checking
SUMMARY
45,296.78
57,035.95
1,598.07 -
91,245.74 +
79.97 +
77,988.47 =
Average Daily Balance
45,413.66
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
Balance Calculation
Previous Balance
Checks
Debits
Deposits & Credits
Interest Paid
Current Balance
Balance
Interest
Current Interest Rate
Annual Percentage Yield Earned
Number of Days Interest Earned
Interest Earned
Interest Paid this Year
2.14%
2.16%
30
79.97
385.88
TRANSACTION DETAilS
Checks* There is a break in check sequence
Previous Balance
Check #
1081
1082
Amount
238 . 17
63.00
45,296.78
D;~i05 //
06/13 V
Check #
1083
1084
Amount hate
56,374.78vJ. 06/04
360.00.v 06/10
Debits
Other Debits
Date
06/04
06/09
06/09
06/17
06/30
06/30
o
Total Checks
57,035.95
Amount Description
; 10.00 Debit Memo
~OO. 00 Deposited Check Returned
1"'200.00 Deposited Check Returned
588.07 Nysdec Decals_ach 080616137108166005117
'.300.00 Deposited Check Returned
v' 200.00 Deposited Check Returned
Deposits & Credits
Date Amount
06/02 12,249.70
06/02 50.00
06/03 261. 25
06/03 37.54
06/04 20,550.00
06/04 2,017.00
06/05 2,642.00
06/06 10,486.50
06/06 1,350.00
06/10 2,052.25
o
Total Debits
1,598.07
DeSCriPtio]n ..
Deposit
Deposit 7/
Deposit v
Fee Rebate"
Deposit v:
Deposit vf
Deposit .,t
Deposit v
Deposit"
Deposit/
G:l
U"nde
~:€ Citizens Bank
1-800-862-6200
Call Citizens' phoneSank anytime for account information,
current rates and answers to your questions.
Commercial Account
Statement
o OF 2
Beginning June 01, 2008
through June 30, 2008
Commercial Checking continued from previous page
Deposits & Credits (continued)
Date Amount Description
06/10 243.00 Deposit 'if
06/11 334.00 Deposit \Ii
06/12 399.50 Deposit.l j
06/13 2,250.00 Deposit v"
06/13 97.00 Deposit.'
06/16 446.50 Deposjt--1
06/17 2,411.00 DeposIt vI
06/18 3,047.50 Deposit:/
06/18 2,532.00 Deposit:4
06/19 1,840.75 Deposit 7
06/20 1,229.50 Deposit>'
06/24 8,750.00 Deposit
06/24 1,818.00 Deposit
06/24 451.00 Deposit \
06/h 1,797.50 Deposit '/
06/26 10,775.00 Deposjt Y
06/27 326.50 DeposIt i
06/30 800.75 Deposit ,/
Interest
Date
06/30
Amount Description .
79.97 Interest ,/
Daily Balance
Date Balance Date Balance Date
06/02 57,596.48 06/11 40,087.07 06/20
06/03 57,895.27 06/12 40,486.57 06/24
06/04 24,077.49 06/13 42,770.57 06/25
06/05 26,481.32 06/16 43,217 .07 06/26
06/06 38,317 .82 06/17 45,040.00 06/27
06/09 37,817.82 06/18 50,619.50 06/30
06/10 39,753.07 06/19 52,460.25
I NEW S FRO M CITIZENS
Balance
53,689.75
64,708.75
66,506.25
77 ,281.25
77 ,607 .75
77,988.47
TOWN OF WAPPINGER
TOWN CLERK ACCOUNT
Municipal Checking w/Interest
400407-654-3
o
Total Deposits & Credits
91,245.74
o
e
Total Interest Paid
79.97
Current Balance
77,988.47
--Great news! Beginning in May through June 2008, we're enhancing Online Bill Payment to
offer you faster payments. In most cases, you'll be able to pay YOUT bills in as little as
24 hours. And with a new convenient payment calendar, you'll be able to determine the
earliest day your payments will be received. It's just another way Citizens is working to
make banking better for our valued customers.
r-..'i'-'T~ILJer @
r~ Citizens Bank
Checking Account Balance Worksheet
1
Your current balance on this statement
$ rl Ii c/-'ls, if fJ
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 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
Before completing this worksheet, please be sure
to adjust your checkbook register balance by
· Adding any interest earned
· Subtracting any fees or other charges
2
List deposits which do not appear on
this statement
Date
Amount
Date
Amount
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
r:'\ / / ) ''hI.!: Ii ,- error.. If you need more information, describe the item you are unsure
~$ ''Y ,'" 1 .), j,J about.
Total of 2 You do not have to pay any amount in question while we are investigating, but
f'::\ <1.: ' , ." you are still obligated to pay the parts of your bill that are not in question.
V $J~ub~~tf{~: I 'and' 2 :n~il~c~~nint~esc~TI~~~ lR~r a~~~~~o~o;~uc:s~;:,o~. report you as delinquent or take
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 $50 and the purchase was made in your home state or within 100 miles of
your mailing address. (If we own or operate the merchant. or if we mailed you
the advertisement for the property or services. all purchases are covered
regardless of amount or location of purchase.)
Electronic Transfers
In Case of Errors or Questions About Your Electronic Transfers
In case of errors or questions about your electronic transfers, telephone us at the
number shown on the front of your statement or write us at the address shown
above as soon as you can. if you think your statement or receipt is wrong or if
you need more information about a transfer on the statement or receipt. We
must hear from you no later than 60 days after we sent you the FIRST statement
on which the error or problem appeared.
. Tell us your name and account number (if any).
. Describe the error or the transfer you are unsure about. and explain as
clearly as you can why you believe it is an error or why you need more
information.
. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take
more than 10 business days to do this, we will credit your account for the
amount you think is in error, so that you will have the use of the money during
the time it takes us to complete our investigation.
Finance Charge Calculations for Overdraft Line of Credit Accounts
Based on Average Daily Batance Computation Method
I ;
.,1 ./ /
Total of 4
(j ,[ J F 'J ...
., ,.' ), .~.1 -..(' ...
dtal
3
Subtotal by adding 1 and 2
4
List outstanding checks, transfers, debits,
pas purchases or withdrawals that do not
appear on this statement
Date/
Check No. Amount
Date/
Check No. Amount
8$
8$
~.
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 Bolance
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.
5
Subtract 4 from 3. This should match your
checkbook register balance
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.
t'"?J
~~ Citizens Bank
Membci f;DIC Q [qllil!
