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Additional Disclosures in Accordance with Truth-In-Lending Act
FINANCE CHARGES: You'll pay FINANCE CHARGES on your loans from the day each loan is made to the day it's fully paid off. We figure FINANCE CHARGES on your account by applying the Periodic (daily) Rate to the "average daily balance" of your account (including current transactions).
Additional Disclosures in Accordance with Truth-In-Lending Act
FINANCE CHARGES: You'll pay FINANCE CHARGES on your loans from the day each loan is made to the day it's fully paid off. We figure FINANCE CHARGES on your account by applying the Periodic (daily) Rate to the "average daily balance" of your account (including current transactions).
1. We start with the unpaid balance of your Checking Plus Reserve Account at the beginning of the monthly billing period.
2. To get the "average daily balance" we take the beginning balance of your account each day, add any new loans and charges, and subtract any payments or credits. This gives us the daily balance.
3. Then, we add up all the daily balances for the billing cycle and divide by the total number of days in the billing cycle. This gives us the "average daily balance".
4. Next, we multiply the "average daily balance" by Periodic (daily) Rate of .0493% which is an ANNUAL PERCENTAGE RATE OF 18%.
5. Finally, we multiply the above by the number of days in the billing period. The sum is the FINANCE CHARGE due us for the billing period.
Billing Rights Statement
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 P.O. Box 2308, Scottsbluff, NE 69363-2308 or P.O. Box 1057, Torrington, WY 82240-1057, as soon as possible. We must hear from you no later than 60 days after we sent your 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:
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 action to collect the amount you question.
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 P.O. Box 2308, Scottsbluff, NE 69363-2308 or P.O. Box 1057, Torrington, WY 82240-1057, as soon as possible. We must hear from you no later than 60 days after we sent your 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:
- 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 action to collect the amount you question.
Error Resolution Notices
For error resolution or questions, please call toll free (888) 632-7004 or (308) 632-7004, 8:00 a.m. to 5:00 p.m. Monday through Friday, or write:
If you think your statement or receipt is wrong or if you need more information about a transfer listed in the statement or receipt, we must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decided to do this, we will credit your account within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.
If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
For error resolution or questions, please call toll free (888) 632-7004 or (308) 632-7004, 8:00 a.m. to 5:00 p.m. Monday through Friday, or write:
Platte Valley Bank
Attention: Data Processing
PO Box 2308
Scottsbluff, NE 69363-2308
...as soon as you can.
If you think your statement or receipt is wrong or if you need more information about a transfer listed in the statement or receipt, we must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number (if any).
2. Describe the error or transfer you are unsure about and explain as clearly as you can 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 10 business days.
We will determine whether an error occurred within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decided to do this, we will credit your account within 10 business days (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved a new 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. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.
If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
