In Case of Errors or Questions About Your Electronic Transfers

Telephone or write us at Customer Service, Box 288, West Point, NE 68788, (402) 372-5147 as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on this statement.  We must hear from you no later than sixty days after we sent you the FIRST statement on which the problem or error appeared.  If you have a question concerning your statement, please be prepared to:

1. Tell us your name and account number
2. 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.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten business days.

We will tell you the results of our investigation within ten business days after we hear from you and will correct any error promptly.  If we need more time however, we may take up to forty-five days to investigate your complaint or question.  If we decide to do this, we will credit your account within ten business days for the amount you think is in error, so that you will have the use of the money during the time that it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not recredit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation.  You may ask for copies of the documents that we used in our investigation.

Important Information About Your Overdraft Protection
(Pre-Approval Required)

How We compute the Balance on which the Finance Charge is Assessed
The principal balance on your account will be subject to a finance charge.  We figure the finance charge on your account by adding together the result of applying the daily periodic rate to the "actual daily principal balance" of your account (including current transactions) for each day in the billing cycle.  To get the "actual daily principal balance" we take the beginning principal balance for your account each day, add any new advances, and subtract, after application to any unpaid finance charges and late charges that have been billed, any payments or credits.  Unpaid finance charges and late charges accrue separately and are not added to the principal balance on your account.

The daily periodic rate will depend upon CharterWest National Bank's prevailing
Base Rate of interest and may vary with each billing cycle.

Billing Right 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 Box 288, West Point, NE 68788 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 right.

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 unsure about.  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.

Important Information About Your Home Equity Line of Credit

We figure the finance charge on your account by applying the periodic rate to the "average daily balance” of your account (including current transactions).  To get the "average daily balance" we take the beginning balance of your account each day, add any new advances and subtract any payments or credits.  This gives us the daily balance.  Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.  This give us the "average daily balance".