YOUR ABILITY TO WITHDRAW FUNDS AT
THE CARSON NATIONAL BANK OF AUBURN

PURPOSE OF THIS DISCLOSURE

The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal.  This is called our Funds Availability Policy.  In summary our policy is to make your funds available on the first Business Day after the day of deposit.  Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy.

 For purposes of this disclosure, the terms “you”/”your” refer to the customer and the terms “our”/”we”/”us” refer to the bank.

 Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us.

 DETERMINING THE AVAILABILITY OF YOUR DEPOSIT

The length of the delay varies depending on the type of deposit and is explained below.  When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds.  Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

 When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit.  The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday, and the term “Banking Day” means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

 If you make a deposit before 3:00 pm on a Business Day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit after 3:00 pm or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.   

 AVAILABILITY SCHEDULE

Our policy is to make funds from your cash and check deposits available to you on the first Business Day after the day we receive your deposit.  Electronic direct deposits will be available on the day we receive the deposit.  Once the funds are available, you can withdraw them in cash and we will use them to pay checks that you have written. 

 HOLDS ON OTHER FUNDS FOR CHECK CASHING

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account.  Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it and we decided to delay availability on the deposit.

 LONGER DELAYS MAY APPLY

In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule.  Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit.  The first $100.00 of your deposits, however, may be available on the first business day. 

 If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit.  We will also tell you when the funds will be available.  If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.  If you will need the funds from a deposit right away, you should ask us when the funds will be available. 

 Funds you deposit by check may be delayed for a longer period under the following circumstances: (a) if we believe a check you deposit will not be paid; (b) if you deposit checks totaling more than $5,000 on any one day; (c) if you redeposit a check that has been returned unpaid; (d) if you have overdrawn your account repeatedly in the last six months; or (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.

 We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.  They will generally be available no later than the seventh business day after the day of your deposit.  If you will need the funds from a deposit right away, you should ask us when the funds will be available.

 SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is opened.

 Funds from electronic direct deposits to your account will be available on the day we receive the deposit.  Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions.  For example, the checks must be payable to you (and you may have to use a special deposit slip).  The excess over $5,000 will be available on the seventh business day after the day of your deposit.  If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of deposit. 

 Funds from all other check deposits will be available on the seventh business day after day of your deposit. 

 DEPOSITS AT AUTOMATED TELLER MACHINES

Funds from any deposits (cash or checks) made at ATMs that we do not own or operate will not be available until the fifth business day after the day of your deposit.  This rule does not apply at ATMs that we own or operate.

 All ATMs that we own or operate are identified as our machines.

 

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

For purposes of this disclosure and agreement the terms “we,” ”us” and “our” refer to the Bank named above.

The terms “you” and “your” refer to the recipient of this disclosure and agreement.

The Electronic Fund Transfer Act and Regulation E require Banks to provide certain information to customers regarding electronic fund transfers (EFTs).  This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes.  Examples of EFT services include direct deposits to your account and automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills.  This disclosure also applies to the use of your ATM or VISA Checkcard at our automated teller machines (ATMs) and any networks described below. 

TERMS AND CONDITIONS.  The following provisions govern the use of electronic fund transfer (EFT) services through accounts held by the Bank which are established primarily for personal, family or household purposes.  If you use any EFT services provided, you agree to be bound by the applicable terms and conditions listed below.  Please read this document carefully and retain it for future reference.

ELECTRONIC FUND TRANSFER SERVICES PROVIDED

 SERVICES PROVIDED THROUGH USE OF ATM OR VISA CHECKCARD

If you have received an electronic fund transfer card (“ATM” or “VISA Checkcard”) from us you may use it for the type(s) of services noted below, and the following provisions are applicable:

 USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER (“PIN”).  In order to assist us in maintaining the security of your account and the terminals, the ATM or VISA Checkcard remains our property and may be revoked or cancelled at any time without giving you prior notice.  You agree not to use your ATM or VISA Checkcard for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction.  We will not be required to complete any such transaction, but if we do, you do agree to pay us the amount of the improper withdrawal of transfer upon request.

 Your ATM may only be used with your PIN.  Certain transactions involving your VISA Checkcard require use of your PIN.  Your PIN is used to identify you as an authorized user.  Because the PIN is used for identification purposes, you agree to notify the Bank immediately if your ATM or VISA Checkcard is lost or if the secrecy of your PIN is compromised.  You also agree not to reveal your PIN to any person not authorized by you to use your ATM or VISA Checkcard or to write your PIN on your ATM or VISA Checkcard or on any other item kept with your ATM or VISA Checkcard.  We have the right to refuse a transaction on your account when your ATM or VISA Checkcard or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

 The security of your account depends upon your maintaining possession of your ATM or VISA Checkcard and the secrecy of your PIN.  You may change your PIN if you feel that the secrecy of your PIN has been compromised.  In order to change your PIN we must issue you a new ATM or VISA Checkcard.

 ATM SERVICES

 The following services are available through use of your ATM and VISA Checkcard.

 You may withdraw cash from your checking account(s), savings account(s), and NOW account(s).

You may transfer funds between your checking and savings accounts, and savings and NOW accounts.

 You may make balance inquiries on your checking account(s), savings account(s), and NOW account(s).

NETWORK.  Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed.  A specific ATM or network may not perform or permit all of the above transactions.

 ATM FEES.  When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even of you do not complete a funds transfer.

 POINT OF SALE TRANSACTIONS

You may use your ATM or VISA Checkcard to purchase goods and services from merchants that have arranged to accept your ATM or VISA Checkcard as a means of payment (these merchants are referred to as “Participating Merchants”).  Some Participating Merchants may permit you to receive cash back as part of your purchase.  Purchases made with your ATM or VISA Checkcard, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase.  The designated account for ATM transactions is your checking account.  The designated account for VISA Checkcard transactions is your checking account.

 In addition, your VISA Checkcard may be used at any merchant that accepts VISA debit cards for the purchase of goods and services.  Your card may also be used to obtain cash from your designated account at participating financial institutions.

 Each time you use your ATM or VISA Checkcard, the amount of the transaction will be debited from your designated account.  We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the ATM or VISA Checkcard transactions.  We may, but do not have to, allow transactions which exceed your available account balance or available overdraft protection.  If we do, you agree to pay the overdraft.  You also agree to pay overdraft charges in effect from time to time for each transaction which causes your available account balance or available overdraft protection to be exceeded.

 CURRENCY CONVERSION.  When you use your VISA Checkcard at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount.  The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by VISA from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer.  The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

SERVICES PROVIDED THROUGH USE OF VOICE ACCESS

You may perform the following functions through use of Voice Access.

You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.

You may make balance inquiries on your checking account(s), savings account(s), money market account(s), NOW account(s), Certificates of Deposit, Individual Retirement Accounts, and Loans. 

You may make payments on consumer loans, home mortgage loans, home equity loans, cash reserve loans, agricultural, commercial, and real estate that you have with us. 

PREAUTHORIZED TRANSFER SERVICES

You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), NOW account(s), and Individual Retirement Accounts.

You may arrange for the preauthorized automatic payment of bills from your checking account(s), savings account(s), money market account(s), and NOW account(s).

SERVICES PROVIDED THROUGH USE OF ONLINE BANKING

This Bank offers its customers use of our service.

You may inquire on account balances, transfer funds between accounts and inquire on account transactions.

ELECTRONIC CHECK CONVERSION

You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

LIMITATIONS ON TRANSACTIONS

TRANSACTION LIMITATIONS-ATM

CASH WITHDRAWAL LIMITATIONS- You may withdraw up to $200.00 through use of ATMs in any one day.

 POINT OF SALE LIMITATIONS- You may buy up to $500.00 worth of goods or services each day through use of our Point of Sale service.

 TRANSACTION LIMITATIONS-VISA CHECKCARD

CASH WITHDRAWAL LIMITATIONS- You may withdraw up to $200.00 through use of ATMs in any one day.

 POINT OF SALE LIMITATIONS- You may buy up to $500.00 worth of goods or services each day through use of our Point of Sale service.

 OTHER LIMITATIONS

The terms of your account(s) may limit the number of withdrawals you may make each month.  Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.

 We reserve the right to impose limitations for security purposes at any time.

 LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS.  Federal regulation limits the number of telephonic transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six such transfers from each money market and/or savings type account(s) you have each month for purposes of making a payment to a third party or by use of a telephone.  No more than three of the six transfers may be made by check, draft, debit card, or similar order.

 NOTICE OF RIGHTS AND RESPONSIBILITIES

 The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below. 

 RIGHT TO RECEIVE DOCUMENTTION OF YOUR TRANSFERS

TRANSACTION RECEIPTS.  Upon completing a transaction at an ATM you will receive a printed receipt documenting the transaction (unless you have chosen not to get a paper receipt).  These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed.  A receipt will be provided for any transaction of more than $15.00 made with your ATM or Visa Checkcard at a Participating Merchant.  If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt.

 PERODIC STATEMENTS.  If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it.  If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement.  In any case you will receive your statement at least quarterly.

 PREAUTHORIZED DEPOSITS.  If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

-          you can call us at 402-274-4333 to find out whether or not the deposit has been made.

 RIGHTS REGARDING PREAUTHORIZED TRANSFERS

RIGHTS AND PROCEDURES TO STOP PAYMENTS.  If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments.  To stop a payment,

                call us at:

                402-274-4333

                or write to:

                P O Box 290

                Auburn, NE 68305

We must receive your call or written request at least three (3) business days prior to the scheduled payment.  If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer.  If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after you call. 

 NOTICE OF VARYING AMOUNTS.  If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted.  You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

 OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS.  If you order us to stop one of the payments and have provided us with the information we need within three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

 YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT

If you believe your ATM or VISA Checkcard or PIN or internet banking access code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission,

                call us at:

                402-274-4333 (During normal business hours)

                or write to:

                P O Box 290

                Auburn, NE 68305

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

 CONSUMER LIABILITY

Tell us at once if you believe your ATM or VISA Checkcard or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check.  Telephoning is the best way of keeping your possible losses down.  If you tell us within two (2) business days, you can lose no more than fifty dollars ($50) if someone uses your ATM or VISA Checkcard or PIN without your permission.  If you do not tell us within two (2) business days after you learn of the loss or theft of your ATM or VISA Checkcard or PIN and we can prove we could have stopped someone from using your ATM or VISA Checkcard or PIN without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).

 Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once.  If you do not tell us within sixty (60) days after the statement was mailed to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time.  If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

 CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING VISA CHECKCARD

The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers.  However, different limitations apply to certain transactions involving your VISA Checkcard with the VISA logo.  These limits apply to unauthorized transactions processed on the Visa logo.  These limits apply to unauthorized transactions processed on the Visa Network.

 If you notify us about an unauthorized transaction involving your VISA Checkcard, and the unauthorized transaction took place on the Visa Network, zero liability will be imposed on you for the unauthorized transaction.  We may increase the limit of your liability for such unauthorized transactions if we reasonably determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your VISA Checkcard.  The zero liability provisions do not apply to PIN-based transactions not processed by the VISA Network, including ATM transactions.

Your liability for unauthorized transactions with you Visa Checkcard that involve PIN-based debit transactions not processed by the VISA Network, including ATM transactions,  are described under “Consumer Liability” above.

 ILLEGAL USE OF VISA CHECKCARD.  You agree not to use your VISA Checkcard for any illegal transactions, including internet gambling and similar activities.

 IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS

In case of errors or questions about your electronic fund transfers,

                call us at:

                402-274-4333

                or write to:

                P O Box 290

                Auburn, NE 68305

or use the current information on your most recent account statement.

 Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt.  You must contact the Bank no later than 60 days after it sent you the first statement on which the problem or error appears.  You must be prepared to provide the following information:

                -Your name and account number.

-A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.

-The dollar amount of the suspected error.

 If you provide oral notice, you may be required to send in your complaint or question in writing within ten (10) business days.

 We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or point of sale transfers) to investigate your complaint or question.  If we decide to do this, we will credit your account within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have the use of money during the time it takes to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.  The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) calendar days after the first deposit to the account is made, including those for foreign initiated or point of sale transactions.  Visa’s cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa Check Card use within five (5) business days of notification of the loss.

 We will tell you the results within three (3) 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.

 LIABILITY FOR FAILURE TO COMPLETE TRANSACTION

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law.  However, there are some exceptions.  We will NOT be liable, for instance:

-          If through no fault of ours, you do not have enough money in your account to make the transfer.

-          If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.

-          If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.

-          If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.

-          If we have terminated our Agreement with you.

-          When your ATM or VISA Checkcard has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.

-          If we receive inaccurate or incomplete information needed to complete a transaction.

-          In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.

-          If the funds in the account are subject to legal action preventing a transfer to or from your account.

-          If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law.

 CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS

We reserve the right to impose a fee and to change fees upon notice to you.

 DISCLOSURE OF ACCOUNT INFORMATION

You agree that merchant authorization messages transmitted in connection with point of sale transactions are permissible disclosures of account information, and you further agree to release the Bank and hold it harmless from any liability arising out of the transmission of these messages. 

We will disclose information to third parties about your account or electronic fund transfers made to your account:

1.        Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or

2.        In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or

3.        In order to comply with government agency or court orders; or

4.        With your consent.

DEFINITION OF BUSINESS DAY

Business days are Monday through Friday excluding holidays. 

AMENDING OR TERMINATING THE AGREEMENT

We may change this agreement from time to time.  You will be notified at least 30 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers.  No notice will be given if the change is necessary for security reasons.  We also have the right to terminate this agreement at any time.

 ADDITIONAL PROVISIONS

Your account is also governed by the terms and conditions of other applicable agreements between you and the Bank.

 You agree not to reveal your PIN to any person not authorized by you to access your account.

 Electronic check conversion (e-check) initiated by others will be accepted.

 ELECTRONIC “WHOLESALE CREDIT” TRANSACTION

Provisional Payment:  Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank.  If we do not receive such final settlement,  you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry.  The party making payment to you via such entry shall not be deemed to have paid you in the amount of such entry.

 Notice of Receipt of Entry: Under the operating rules of the National Automated Clearing House Assoc., which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so.  However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you.

 CHOICE OF LAW:  We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act.  Your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of New York, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.

 Important Information About Your Account

Substitute Checks and Your Rights

What is a Substitute Check?

 To make check processing faster, federal law permits banks to replace original checks with “substitute checks.”  These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check.  The front of a substitute check states: “This is a legal copy of your check.  You can use it the same way you would use the original check.”  You may use a substitute check as proof of payment just like the original check.

 Some or all of the checks that you receive back from us may be substitute checks.  This notice describes rights you have when you receive substitute checks from us.  The rights in this notice do not apply to original checks or to electronic debits to your account.  However, you have rights under other law with respect to those transactions.

 What Are My Rights Regarding Substitute Checks?

 In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.)  The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

 The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less.  You also are entitled to interest on the amount of your refund if your account is an interest-bearing account.  If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

 If you use the procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.  We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

 How Do I Make a Claim for a Refund?  If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please

                Call us at:  402-274-4333

                Or Write us at: 

                Carson National Bank

                P.O. Box 290

                Auburn, NE 68305

                Or E-mail us at:  bank@carsonnational.com

 You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later.  We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.  Your claim must include:

-          A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);

-          An estimate of the amount of your loss;

-          An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and

-          A copy of the substitute check and/or the following information to help us identify the substitute check such as the check number, the name of the person to whom you wrote the check, the amount of the check.