STMT 01/31/2014 648594 ALLISON LEAH TURCIO Tray1 Statement of Account Member No. Statement Period Page XXXXXX8594 01-01-14 Thru 01-31-14 1 of 5 ACCOUNT BALANCE SUMMARY Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org 00 90 01 PRIMARY SAVINGS $ CONSUMER CHOICE FREE CHECKING $ 2011 MAZDA MAZDA6-V6 $ 0 4,575.99 3,319.40 15,000.00 0 ALLISON LEAH TURCIO CHRISTOPHER JOHN TURCIO 499 CHADWICK RD. SCHENECTADY NY 12304 CURewards Points Earned This Cycle: 491 Points Redeemed This Cycle: 0 Points Expired/Forfeited This Cycle: 0 Redeemable Balance: 9848 CU Rewards Program Information: ph. 800.900.6160 web www.curewards.com PRIMARY SAVINGS #00 Beginning Balance Total Deposits/Credits Total Withdrawals/Debits Ending Balance Y-T-D Dividends $ 5,006.19 $ 15,771.84 $ 16,202.04 $ 4,575.99 $ 0.85 Transaction Date Posting Date Transaction Description Balance Forward Deposit DIVIDEND Withdrawal Home Banking Transfer To Share 90 Connect-24 01/05/2014 11:22 124480 JAN06 JAN06 Deposit by Check 000000001533784 Remote Deposit 01 700.00 Trc 000000001533785 JAN23 JAN23 Withdrawal Home Banking Transfer To Share 90 Connect-24 01/23/2014 16:25 207129 JAN31 JAN31 Deposit by Check 000000001998211 Remote Deposit 01 70.99 Trc 000000001998212 JAN31 JAN31 Deposit DEPOSIT LOAN PROCEEDS JAN31 JAN31 Withdrawal by Check LOAN PROCEEDS DISBURSAL A Deposit Dividend of 0.62 will be posted on 02/01/14. Annual Percentage Yield Earned 0.150% From 12/01/13 Thru 12/31/13 JAN01 JAN05 JAN01 JAN01 JAN05 Deposit Withdrawal 0.85 -700.00 700.00 Balance 5,006.19 5,007.04 4,307.04 5,007.04 -502.04 4,505.00 70.99 4,575.99 15,000.00 19,575.99 -15,000.00 4,575.99 CONSUMER CHOICE FREE CHECKING #90 Beginning Balance Total Deposits/Credits Total Withdrawals/Debits Ending Balance Y-T-D Dividends $ 1,604.15 $ 7,592.13 $ 5,876.88 $ 3,319.40 $ 0.00 Transaction Date Posting Date DEC31 JAN01 JAN01 DEC31 JAN01 Transaction Description Balance Forward Withdrawal Debit Card Access Card DESTINATIONMA 00030536 ALBANY NY Withdrawal Debit Card Access Card Deposit Withdrawal Balance -9.37 1,604.15 1,594.78 -41.01 1,553.77 BALANCING YOUR CHECKBOOK BEFORE YOU START: Please be sure your checkbook contains all automatic transactions shown on this statement (such as automatic deposits, credit advances, transfers, payments, service charges, etc.). THEN Compare and check off debits and credits on the statement against your checkbook. In the column below, list any checks you have written which do not appear on this statement. Also be sure to include any other deductions recorded in your checkbook but not listed on this statement. Deposits in Transit to Credit Union (Not Credited in this Statement) (Payroll Deduction or Direct) Date OUTSTANDING CHECKS OR OTHER DEDUCTIONS Check No. Amount Amount OUTSTANDING CHECKS OR OTHER DEDUCTIONS Check No. Amount TOTAL DEPOSIT (A) TOTAL (B) IF YOUR ACCOUNT DOES NOT BALANCE, check these items: 1. Are the amounts of all deposits you have entered in your checkbook the same as shown on this statement? 2. Are there any checks shown on this statement that are not listed in your checkbook? 3. Is the amount of each check correctly recorded in your checkbook? 4. Is the addition and subtraction in your checkbook correct? 5. Have you checked all automatic transactions involving your account? 6. Have you added this month’s interest in your checkbook? 1. ENTER Ending Balance from front of statement 2. ADD deposits made since end of statement period (A) 3. TOTAL (1&2) 4. SUBTRACT outstanding checks (total from above) (B) 5. BALANCE should equal the balance now shown in your checkbook $ In Case of Errors or Questions About Your Account YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. In case of errors or questions about your electronic transfers (ie. ATM, Direct Deposit, etc.): Notify Us In Case of Errors or Questions About Your Statement Call or write the credit union as soon as you can, if you think your statement or receipt is wrong or if you need more information about the transfer on your 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. When you call or write: 1. Tell us your name and account number. 2. Describe the error, transfer or the payment you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. 3. 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 provisionally recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation If you think your statement is wrong, or if you need more information about a transaction on your statement, write us (on a separate sheet) at the address listed below. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first statement 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 not sure about. If you have authorized us to make your loan payment automatically from your share or share/draft account, you can stop payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. ALL ACCOUNTS, EXCEPT CERTIFICATES AND FIXED RATE LOANS, ARE VARIABLE AND SUBJECT TO CHANGE WITHOUT NOTICE. DIRECT INQUIRIES TO: Capital Communications Federal Credit Union 18 Computer Drive East Albany, NY 12205 OR CALL: 1-800-468-5500 Tray1 Statement of Account Member No. Statement Period Page XXXXXX8594 01-01-14 Thru 01-31-14 2 of 5 Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org CONSUMER CHOICE FREE CHECKING #90 Transaction Date Posting Date JAN01 JAN01 JAN01 JAN01 JAN01 JAN01 DEC31 JAN01 DEC31 JAN02 JAN01 JAN02 JAN02 JAN02 JAN02 JAN02 JAN01 JAN02 JAN02 JAN02 JAN02 JAN03 JAN03 JAN03 JAN02 JAN03 JAN03 JAN03 JAN03 JAN04 JAN03 JAN04 JAN03 JAN04 JAN03 JAN05 JAN05 JAN05 JAN04 JAN06 JAN06 JAN06 JAN05 JAN06 JAN06 JAN06 JAN06 JAN07 JAN06 JAN07 JAN07 JAN07 JAN06 JAN08 JAN06 JAN08 (continued)) Transaction Description CHRISTMAS TREE #7019 ALBANY NY Withdrawal Debit Card Access Card TARGET 00015214 SCHENECTADY NY Withdrawal Debit Card Access Card LOWES #01612* SCHENECTADY NY Withdrawal Adjustment Debit Card Credit Voucher LOWES #01612* SCHENECTADY NY Withdrawal Debit Card Access Card SUNOCO 0189074800 SCHENECTADY NY Withdrawal Debit Card Access Card PARTY CITY 339 SCHENECTADY NY Withdrawal Debit Card Access Card GAMESTOP #5033 SCHENECTADY NY Withdrawal PAYPAL TYPE: INST XFER ID: PAYPALSI66 CO: PAYPAL Deposit by Check 000000001742036 Remote Deposit 01 525.00 Trc 000000001742037 Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card BLUE RIBBON RESTAURANT SCHENECTADY NY Withdrawal Debit Card Access Card PRO AUTOMOTIVE SCHENECTADY NY Withdrawal JCPenney CC TYPE: JCP EPAY ID: 9069872103 CO: JCPenney CC Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card EZ PASS PREPAID TOLL 800-333-8655 NY Withdrawal Debit Card Access Card NIKKI PS DELI BAKERY ROTTERDAM NY Withdrawal Debit Card Access Card GULF OIL 91803550 ROTTERDAM NY Withdrawal Debit Card Access Card CVS PHARMACY #5047 Q03 LATHAM NY Withdrawal Debit Card Access Card DUNKIN #304406 Q35 SCHENECTADY NY Deposit Home Banking Transfer From Share 00 Connect-24 01/05/2014 11:22 124480 Withdrawal Debit Card Access Card DUNKIN #340465 Q35 LATHAM NY Withdrawal PAYPAL TYPE: INST XFER ID: PAYPALSI66 CO: PAYPAL Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Deposit at ATM #004121 ATM CAPITAL COM FC 582 BALLTOWN RD SCHENECTADY NY Withdrawal Debit Card Access Card SNACK SODA VENDING Glens Falls NY Withdrawal Debit Card Access Card SNACK SODA VENDING Glens Falls NY Withdrawal WF HOME MTG TYPE: AUTO PAY ID: W952318940 CO: WF HOME MTG Withdrawal Debit Card Access Card DAVIDSON BROTHERS REST GLENS FALLS NY Withdrawal Debit Card Access Card PARTY CITY 339 SCHENECTADY NY Deposit Withdrawal Balance -52.35 1,501.42 -16.18 1,485.24 7.66 1,492.90 -47.04 1,445.86 -12.92 1,432.94 -34.39 1,398.55 -22.08 1,376.47 525.00 1,901.47 -38.71 1,862.76 -23.56 1,839.20 -178.00 1,661.20 -65.65 1,595.55 -39.39 1,556.16 -25.00 1,531.16 -38.65 1,492.51 -60.19 1,432.32 -9.18 1,423.14 -9.34 1,413.80 700.00 2,113.80 -4.31 2,109.49 -54.15 2,055.34 -30.56 2,024.78 1,540.77 3,565.55 -1.40 3,564.15 -1.90 3,562.25 -1,636.80 1,925.45 -50.00 1,875.45 -30.20 1,845.25 Capital Communications FCU • 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org Statement of Account Member No. Statement Period Page XXXXXX8594 01-01-14 Thru 01-31-14 3 of 5 CONSUMER CHOICE FREE CHECKING #90 Transaction Date Posting Date JAN08 JAN08 JAN07 JAN08 JAN08 JAN08 JAN07 JAN08 JAN09 JAN09 JAN09 JAN09 JAN08 JAN09 JAN08 JAN09 JAN08 JAN09 JAN09 JAN10 JAN09 JAN10 JAN09 JAN10 JAN09 JAN10 JAN10 JAN11 JAN10 JAN11 JAN11 JAN13 JAN10 JAN13 JAN11 JAN13 JAN12 JAN13 JAN12 JAN13 JAN14 JAN14 JAN14 JAN15 JAN06 JAN15 JAN16 JAN16 JAN15 JAN16 JAN16 JAN17 JAN16 JAN17 JAN17 JAN17 JAN17 JAN17 JAN17 JAN17 JAN17 JAN17 (continued)) Transaction Description Withdrawal TD BANK, NA TYPE: WEB PMT ID: 1010137770 CO: TD BANK, NA Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal at ATM #540512 ATM STEWART’S #210 605 LOUDON ROAD LATHAM NY Withdrawal Debit Card Access Card SUNOCO 0189074800 SCHENECTADY NY Deposit Adjustment ATM Fee Rtrn Withdrawal CAPITAL ONE AUTO TYPE: DIRECTPAY ID: 9541719802 CO: CAPITAL ONE AUTO Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card MARSHALLS #0528 SCHENECTADY NY Withdrawal Debit Card Access Card SUNOCO 0267195600 LATHAM NY Withdrawal Debit Card Access Card NIKKI PS DELI BAKERY ROTTERDAM NY Withdrawal Debit Card Access Card STEWARTS SHOP 181 SCHENECTADY NY Withdrawal Debit Card Access Card AFRIMS SPORTS INC ALBANY ALBANY NY Withdrawal Debit Card Access Card AQUEDUCT ANIMAL HOSPIT SCHENECTADY NY Withdrawal Debit Card Access Card PETSMART INC 1192 SCHENECTADY NY Withdrawal Debit Card Access Card CVS PHARMACY #5047 Q03 LATHAM NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #224 ALBANY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card SUNOCO 0610753600 CLIFTON PARK NY Deposit SIENA COLLEGE TYPE: PAYROLL ID: 1141338498 CO: SIENA COLLEGE Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card AU BON PAIN GLEN FALLS GLENS FALLS NY Withdrawal CAPITAL ONE TYPE: ONLINE PMT ID: 9279744991 CO: CAPITAL ONE Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card CHINA KING KITCHEN SCHENECTADY NY Withdrawal Debit Card Access Card PERRECAS BAKERY SCHENECTADY NY Withdrawal VERIZON TYPE: PaymentREC ID: 9783397101 CO: VERIZON Withdrawal VZ WIRELESS VE TYPE: VZW WEBPAY ID: 0000751800 CO: VZ WIRELESS VE Withdrawal Debit Card Access Card AFRIMS SPORTS INC LATHAM LATHAM NY Deposit at ATM #005401 Deposit Withdrawal -100.00 1,745.25 -19.36 1,725.89 -42.00 1,683.89 -15.21 1,668.68 -286.68 1,669.68 1,383.00 -4.46 1,378.54 -17.67 1,360.87 -53.62 1,307.25 -9.50 1,297.75 -4.29 1,293.46 -85.00 1,208.46 -16.00 1,192.46 -45.35 1,147.11 -8.62 1,138.49 -74.62 1,063.87 -32.05 1,031.82 -5.29 1,026.53 -84.92 941.61 -58.05 883.56 1.00 1,387.82 300.00 Balance 2,271.38 -37.77 2,233.61 -7.58 2,226.03 -500.00 1,726.03 -18.99 1,707.04 -23.95 1,683.09 -27.98 1,655.11 -171.45 1,483.66 -176.66 1,307.00 -4.00 1,303.00 1,603.00 Capital Communications FCU • 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org Tray1 Statement of Account Member No. Statement Period Page XXXXXX8594 01-01-14 Thru 01-31-14 4 of 5 Main Office & Mailing Address 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org CONSUMER CHOICE FREE CHECKING #90 Transaction Date Posting Date JAN16 JAN17 JAN17 JAN18 JAN18 JAN20 JAN18 JAN20 JAN19 JAN20 JAN19 JAN20 JAN18 JAN20 JAN17 JAN20 JAN19 JAN20 JAN19 JAN20 JAN21 JAN21 JAN21 JAN21 JAN21 JAN21 JAN20 JAN21 JAN20 JAN21 JAN20 JAN21 JAN21 JAN22 JAN21 JAN22 JAN22 JAN23 JAN22 JAN22 JAN23 JAN23 JAN22 JAN23 JAN23 JAN23 JAN23 JAN23 JAN22 JAN23 JAN23 JAN24 JAN23 JAN24 JAN23 JAN24 JAN24 JAN24 (continued)) Transaction Description ATM CAPITAL COM FC 582 BALLTOWN RD SCHENECTADY NY Withdrawal Debit Card Access Card AQUEDUCT ANIMAL HOSPIT SCHENECTADY NY Withdrawal Debit Card Access Card CHARLIE BROWN’S 017 845-896-2666 NY Withdrawal Debit Card Access Card REDBOX *DVD RENTAL OAKBROOK TER IL Withdrawal Debit Card Access Card DUNKIN #304406 Q35 SCHENECTADY NY Withdrawal Debit Card Access Card STEWARTS SHOP 187 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #138 LATHAM NY Withdrawal Debit Card Access Card CVS PHARMACY #2340 Q03 SCHENECTADY NY Withdrawal Debit Card Access Card FIVE GUYS # 52 NIS SCHENECTADY NY Withdrawal CITI AUTOPAY TYPE: PAYMENT ID: CITICARDAP CO: CITI AUTOPAY Withdrawal SALLIE MAE TYPE: SLMA DEBIT ID: 3520974271 CO: SALLIE MAE Withdrawal NGRID36 TYPE: NGRID36WEB ID: 9195140502 CO: NGRID36 Withdrawal Debit Card Access Card EXXONMOBIL 97375869 SCHENECTADY NY Withdrawal Debit Card Access Card MARSHALLS #0528 SCHENECTADY NY Withdrawal Debit Card Access Card GRANEYS BAR AND GRILL INC ALBANY NY Withdrawal Debit Card Access Card PRICE CHOPPER #1 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card STEWARTS SHOP 181 SCHENECTADY NY Draft 001172 Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card GULF OIL 91803550 ROTTERDAM NY Deposit Home Banking Transfer From Share 00 Connect-24 01/23/2014 16:25 207129 Deposit by Check 000000002002709 Remote Deposit 01 40.00 Trc 000000002002710 Withdrawal Debit Card Access Card SUNOCO 0189074800 SCHENECTADY NY Withdrawal Debit Card Access Card NYSED TEACHER CERT 518-4743901 NY Withdrawal Debit Card Access Card PRICE CHOPPER #1 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card BRUEGGER’S BAGELS LATHAM NY Deposit Withdrawal Balance -140.00 1,463.00 -10.00 1,453.00 -3.24 1,449.76 -9.55 1,440.21 -2.99 1,437.22 -15.64 1,421.58 -52.79 1,368.79 -5.70 1,363.09 -5.79 1,357.30 -28.99 1,328.31 -30.00 1,298.31 -127.77 1,170.54 -206.00 964.54 -10.02 954.52 -48.58 905.94 -94.00 811.94 -6.93 805.01 -15.52 789.49 -47.57 741.92 -21.00 -10.83 720.92 710.09 -32.50 677.59 502.04 1,179.63 40.00 1,219.63 -65.81 1,153.82 -50.00 1,103.82 -5.31 1,098.51 -26.47 1,072.04 -7.93 1,064.11 Capital Communications FCU • 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org Statement of Account Member No. Statement Period Page XXXXXX8594 01-01-14 Thru 01-31-14 5 of 5 CONSUMER CHOICE FREE CHECKING #90 Transaction Date Posting Date JAN24 JAN26 JAN26 JAN26 JAN26 JAN26 JAN26 JAN27 JAN24 JAN27 JAN28 JAN28 JAN30 JAN30 JAN29 JAN30 JAN29 JAN30 JAN30 JAN31 JAN30 JAN31 JAN30 JAN31 JAN30 JAN31 JAN31 JAN31 JAN31 JAN31 (continued)) Transaction Description Deposit Withdrawal Debit Card Access Card REDBOX *DVD RENTAL OAKBROOK TER IL Withdrawal Debit Card Access Card LOWES #01612* SCHENECTADY NY Withdrawal Debit Card Access Card MORE PERRECAS SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card REDBOX *DVD RENTAL 866-733-2693 IL Deposit SIENA COLLEGE TYPE: PAYROLL ID: 1141338498 CO: SIENA COLLEGE Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card SUNOCO 0189074800 SCHENECTADY NY Withdrawal Debit Card Access Card STEWARTS SHOP 187 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #1 SCHENECTADY NY Withdrawal Debit Card Access Card PRICE CHOPPER #191 SCHENECTADY NY Withdrawal Debit Card Access Card CVS PHARMACY #5047 Q03 LATHAM NY Deposit by Check Withdrawal Debit Card Access Card CLERK-CITY OF SCHENECTADY SCHENECTADY NY Withdrawal Balance -1.30 1,062.81 -9.70 1,053.11 -85.00 968.11 -23.18 944.93 -32.94 911.99 -8.10 903.89 1,387.84 2,291.73 -17.01 2,274.72 -57.79 2,216.93 -4.29 2,212.64 -6.39 2,206.25 -46.44 2,159.81 -13.41 2,146.40 -27.00 3,346.40 3,319.40 1,200.00 Cleared Share Draft Recap: DRAFT# DATE AMOUNT 001172 01-23 21.00 2011 MAZDA MAZDA6-V6 #01 Beginning Balance Ending Balance Base Payment Amount Past Due Amount Payment Due Date Annual Percentage Rate Daily Periodic Rate Y-T-D Interest $ 0.00 $ 15,000.00 $ 214.57 $ 0.00 05/02/14 2.240% .006136% $0.00 Transaction Date Posting Date JAN31 JAN31 Transaction Description Payment New Loan Future Loan Payment Dates Through August 2, 2014 : 15,000.00 June 2, 2014 July 2, 2014 Fees 0.00 FINANCE CHARGE 0.00 Principal Balance 15,000.00 15,000.00 August 2, 2014 Reporting information for YTD: Total Total Total Total Total Dividends Paid Year to Date: Dividends Paid Last Year: Interest Paid Year to Date: Taxable Dividends Year to Date: Taxable Dividends Last Year: $ $ $ $ $ 0.85 15.05 0.00 0.85 15.05 Additional information regarding Foreign Transactions: In addition to the conversion information located in the foreign transaction section of your Visa card agreement, all foreign transactions include a 1% foreign transaction fee. Capital Communications FCU • 18 Computer Drive East • Albany, NY 12205-1168 ph. (518) 458.2195 | 800.468.5500 | fax (518) 458.2261 www.capcomfcu.org