Circle

Please call us anytime for answers to your

questions, account information, current rates Account Statement
or to update your address & phone number.
1 PO Box 7000 OF 2
ROP-450
Providence RI 02940
Beginning December 14, 2010,
through January 13, 2011

Contents
Your Name Here Summary Page 1
Your Address Here Checking Page 2
Street Name
City State Zip Code

Circle Summary US703

Balance Balance
Account Account Number
Last Statement This Statement
Account Name
Circle Checking
DEPOSIT BALANCE
Checking
xxxxxx-xxx-x
Circle Checking xxxxxx-xxx-x 19.40 19.40

Monthly combined balance to waive monthly fee is 5,000.00

your monthly combined balance this statement period is 19.40
 Circle
Account Statement
2 OF 2

Please call us anytime for answers to your

questions, account information, current
rates or to update your address & phone
number. Beginning December 14, 2020
through Jan 13, 2011

Checking
SUMMARY Account Name
Circle Checking
Balance Calculation xxxxxx-xxx-x

Previous Balance 19.40

Checks .00 -
Withdrawals .00 -
Deposits & Additions .00 +
Current Balance 14.40=
Previous Balance
TRANSACTION DETAILS 19.40
No Activity this statement period
Current Balance
19.40

NEWS FROM CITIZENS

-- Beginning in January 2010, if you paid Overdraft/Insufficient Available Funds Fees,
your
account statement included a table that showed the total amount of these fees, net of
any
rebates, that you paid both for the statement period and for the calendar year to date.
For your January 2011 statement, this table, if shown, provides information about two
distinct time periods. Any amount listed in the "Total for This Period" section includes
fees paid during your current statement period. Dates for this period are listed at the top
of this statement. Any amount listed in the "Total Year to Date" section includes fees
paid in Calendar Year 2010. Any fees paid in January 2011 are not listed in the "Total
Year to Date" section of this statement, but will be listed in this section beginning with
your February 2011 statement.
--We all have savings goals. Whether it's a new home, a child's education, retirement or
being prepared for unexpected expenses, Citizens Bank makes it easy and rewarding
for you to start saving. Creating an emergency savings account can prepare you for
unexpected events and help you reach your savings goals. No matter what you're saving
for, we have a great savings solution. Ask your banker about what savings accounts and
programs are right for you. We also offer money market accounts and CDs with
competitive rates and the peace of mind of FDIC Insurance. For more information or to
open a new account, visit your local branch today or
call 1-888-821-3900.
Member FDIC. See a banker for FDIC coverage amounts and transaction limitations.
Checking Account Balance Worksheet
Customer Service
Before completing this worksheet, please be sure
to adjust your checkbook register balance by 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:
 Adding any interest earned Citizens Bank
 Subtracting any fees or other charges Customer Service Center
P.O. Box 42001

1
Providence, RI 02940-2001
Your current balance on this statement $
Current Balance Deposit Accounts Are Non-Transferable
Personal deposit accounts, such as CDs and savings accounts, cannot be transferred to
Ust deposits which do not appear on
2 this statement
another person or to a corporate entity.

Loan Statements
BILLING RIGHTS SUMMARY
Date Amount Date Amount
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.

3 Subtotal by adding 1 and 2 


The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If

4
you need more information, describe the item you are unsure about.
List outstanding checks, transfers, debits, You do not have to pay any amount in question while we are investigating, but you are
POS purchases or withdrawals that do not 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
appear on this statement amount you question.

Special Rule for Credit Card Purchases

Date/ Date/ If you have a problem with the quality of goods or services that you purchased with a
Check No. Amount Check No. Amount
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.
5 Subtract 4 from 3. This should match your
checkbox register balance. 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 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 multiplying 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.