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IN
CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Call or write us at the telephone number or address located at the
bottom of this page as soon as you can, if you think your statement
or receipt is wrong or if you need more information about a transfer
listed on the statement or receipt. We must hear from you no later
than 60 days after we sent 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 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 10 business days.
We will determine whether an error occurred
within 10 business days (5 business days if involving a Visa® transaction
or 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 decide to do this,
we will credit your account within 10 business days (5 business days
if involving a Visa® transaction or 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. If we ask you to put your complaint or question in
writing and we do not receive it within 10 business days, we may not
credit your account. An account is considered a new account for 30 days
after the first deposit is made. We will tell you the results within
three business days after completing our investigation. If we decide
that there was no error, we will send you a written explanation. You
may ask for copies of the documents that we used in our investigation.
CHECKING PLUS ACCOUNT SUMMARY OF
RIGHTS
This is a summary of your rights; a full statement of your rights
and our responsibilities under the Federal Fair Credit Billing Act
will be sent to you both upon request and in response to a billing
error notice.Your Checking Plus Account is operated in conjunction
with your Demand Deposit Account. Any charges for your checking account
will be made to the Demand Deposit Account and they will be the same
charges as are made for Demand Deposit Accounts not operated in conjunction
with Checking Plus Accounts. The following information thus applies
only to loans made to you under your Checking Plus Account line of
credit.
IN CASE OF ERRORS OR QUESTIONS ABOUT
YOUR CHECKING PLUS ACCOUNT OR HOME EQUITY LINE OF CREDIT
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
located on the front of this bill as soon as possible.
We must hear from you no later than sixty (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:
(1) Your name and account number.
(2) Tell us the dollar amount of the suspected error.
(3) 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 money 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. We figure a portion of the FINANCE CHARGE on
your Checking Plus Account or Home Equity Line of Credit (HELOC) by
applying the daily periodic rate(s) to the “Daily Balance”
of your account for the billing cycle. To get the “Daily Balance”
we take the beginning balance of your account each day, add any new
advances, and subtract any payments or credits and unpaid FINANCE
CHARGES. This gives us the daily balance.The minimum periodic payment
required is shown on the front of this bill. You may pay off your
Checking Plus Account or HELOC 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 Checking Plus Account or HELOC. Periodic statements may be
sent to you at the end of each billing cycle showing your Checking
Plus Account or HELOC loan transactions. Send payments and inquires to:
Union Bank & Trust Company
P.O. Box 82535
Lincoln, NE 68501-2535.
Telephone number (402) 323-1828 in Lincoln, or toll-free (800) 297-2837.
NOTE: Payments received after close of business day shall be deemed
received on the following business day for purposes of crediting your
account.Please examine immediately and report if incorrect. If no
reply is received within sixty (60) days the account will be considered
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