Circle

Please call us anytime for answers to your

questions, account information, current rates Account Statement
or to update your address & phone number.
PO Box 7000
ROP-450 OF 2
Providence RI 02940

Beginning September 30, 2023

through October 30, 2023

Contents
Dorothy Frison
812 NName
Your Erie St
Here Dorothy Frison Summary Page 1
Your Address Here 812 N Erie
Toledo, OH
Street Name
43604 Checking Page 2
City State Zip Code Toledo, OH 43604
Beginning September 30, 2023
through October 30, 2023

US702
Circle Summary
Account Account Number Balance Balance Account Name
Last Statement This Statement
Circle Checking
DEPOSIT BALANC
E
Checking xxxxxx-3412
Circle Checking xxxxx-3412 78984.67 78984.67
Total Deposit Balance

78984.67
Monthly combined balance to waive monthly fee is 5,000.00 Total Relationship Balance
Your monthly combined balance this statement period is 78984.67
78984.67
 Circle
Account Statement

OF 2
Please call us anytime for answers to your
questions, account information, current rates
or to update your address & phone number.
Beginning September 30, 2023
through October 30, 2023

Checking
SUMMARY Account Name
Balance Calculation Circle Checking
Previous Balance xxxxxx-3412
Checks 78984.67
Withdrawals .00 -
Deposits & Additions .00 -
Current Balance .00 +
78984.67=
Current
Previous Balance

TRANSACTION DETAILS 78984.67

No activity this statement period
Balance
NEWS FROM CITIZENS 78984.67

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

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
If you have any questions regarding your account or discover an error, call the
to adjust your checkbook register balance by number shown on the front of your statement or write to us at the following
• Adding any interest earned address:
• Subtracting any fees or other charges Citizens Bank

1 Your current balance on this statement

Customer Service Center
$ P.O. Box 42001
Providence, RI 02940-2001

2 List deposits which do not appear on

Current Balance 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.
this statement
Loan Statements

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
Total of 2 your rights.

3 Subtotal by adding 1 and 2 In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
4 List outstanding checks, transfers, debits, = $
Subtotal of 1 and 2
• 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.
POS purchases or withdrawals that do not You do not have to pay any amount in question while we are investigating, but you
appear on this statement 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.
Date/ Date/
Check No. Amount Check No. Amount 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.
Total of 4 • Tell us your name and account number (if any).
5 Subtract 4 from 3. This should match your
• 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.
checkbook register balance • Tell us the dollar amount of the suspected error.
= $
We will investigate your complaint and will correct any error promptly. If we take
Total 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.