1. Enter Balance As Of This Statement $______________
2. Add Recent Deposits Not Listed $______________
3. Add #1 and #2 And Place Total Here $______________
4. Subtract Checks And Withdrawals Outstanding $______________
5. Balance (This balance should agree with your checkbook.)$______________
If Your Account Does Not Balance, PLEASE Check The Following:
Are your additions and subtractions correct?
Are the amounts of your checks entered correctly in your checkbook?
Are the amounts of your deposits shown on this statement entered correctly in your checkbook?
Have you added all direct deposits, payroll deposits, or any other additions shown on the statement to your checkbook?
Have you subtracted all payments, service charges, automatic withdrawals, and other deductions shown on this statement from your checkbook?
Have you written a counter check and not subtracted it from your checkbook?
Have you added the interest paid to your balance?
IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR LOAN
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address on your bill 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:
If you have authorized us to pay your account automatically from your savings or checking account, you can stop the payment of 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.
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.
If you have a Line of Credit attached to this account, your interest rate may vary.
Your Finance Charge will be computed by multiplying the Average Daily Balance by the number of days in the Billing Cycle and the Periodic Rate. The Average Daily Balance is determined by adding the Daily Balances in the account and dividing the sum by the number of days in the Billing Cycle. To get the Daily Balance of your account, take the beginning balance of your account each day, add any new loans or other charges, and subtract any payments or credits.
You may pay your balance in full or in part any time without penalty.
Notice: This is not a payoff; the new balance includes Finance Charges accrued through the statement date only
In Case Of any Errors Or Questions About Your Electronic Transfers
Please Refer To Your Statement For Address And Phone Number
Please call or write 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.
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 use of the money during the time it takes us to complete our investigation.