EStatement Disclosure

Please examine immediately and report if incorrect.

In Case of Errors or Questions about Your Electronic Transfer please call us at 1-800-494-6720 or write to us at: Iowa-Nebraska State Bank, PO Box 37, South Sioux City, NE 68776 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 e-statement on which the error or problem appeared.

  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 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 re-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.

BILL OF RIGHTS SUMMARY

In Case of Errors or Questions About Your Demand Deposit Loan Account please call us at 1-800-494-6720 or write to us at: Iowa-Nebraska State Bank, PO Box 37, South Sioux City, NE 68776.

If you think your statement is wrong, or if you need more information about a transaction on your statement, write to us on a separate sheet of paper 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 e-statement on which the errors or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information.

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 statement 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.

SPECIAL RULE FOR CREDIT CARD PURCHASE

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 when the following three items have been met.

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.)

Purchase must have been made with your credit card. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.

Purchase has not been paid in full.

If all of the criteria above have been met and you are still dissatisfied with the purchase, write to us on a separate sheet of paper and send it to us following the procedures in the BILL OF RIGHTS SUMMARY above.

HOW FINANCE CHARGES ARE COMPUTED

We figure the finance charge on your account by applying the periodic rate to the "daily balance" of your account (including current transactions). To get the "daily balance", we take the beginning balance of your account each day, add any new advances/loans, and subtract any payments or credits and unpaid finance charges. This gives us the daily balance.

The minimum periodic payment required is shown at the top of the checking statement and will be automatically deducted from your checking account at the end of each billing cycle, normally thirty (30) days. You may pay off your Demand Deposit Loan Account loan balance at any time, or make voluntary additional payments. Payments shall be applied, first to any unpaid FINANCE CHARGES, and, second to the principal loan balance outstanding in your Demand Deposit Loan Account. Periodic statements may be sent to you at the end of each billing cycle showing your Demand Deposit Loan Account loan transactions.

Send payments and inquiries to: Iowa-Nebraska State Bank, PO Box 37, South Sioux City, NE 68776

NOTE: Payments received after close of business shall be deemed received on the following business day for purposes of crediting your account.

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