Notice: Please examine this Statement. If it is incorrect, please contact the bookkeeping department at once. If no error is
reported in ten (10) days, the account will be considered correct.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your
account may be reflected in your credit report.
IF YOUR FINANCIAL INSTITUTION OFFERS THE FOLLOWING SERVICES AND YOU USE THESE SERVICES, THESE
DISCLOSURES, REQUIRED BY GOVERNMENT REGULATIONS, APPLY TO YOUR STATEMENT.
TRUTH-IN LENDING DISCLOSURES REVOLVING LOAN ACCOUNT
In order to assure that your payment will be credited to your account on the date received, mail your payment by check or
money order to Providence Bank, PO Box 106000, Jefferson City, MO 65110. Payments must be received by 3:00 pm or they
will be credited as of the next business day. Payments received by 3:00 pm at any other location or address will be credited
promptly but not later than five days from receipt.
COMPUTATION OF FINANCE CHARGES: To figure the FINANCE CHARGE for each billing cycle, a daily periodic rate is
multiplied by the daily balance of your loan account balance each day. To figure the daily balance, we first take your loan
account balance at the beginning of each day, and add any new advances, and subtract any payments or credits that apply to
debit repayment, and any unpaid finance charges, fees and charges. This gives us the daily balance.
WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is error on your statement, write us at: Providence Bank, PO Box 106000, Jefferson City, MO 65110. In your
letter, give us the following information:

Account Information: Your name and account number.

Dollar Amount: The dollar amount of the suspected error.

Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you
believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in
writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the
amount in question. While we investigate whether or not there has been an error, the following are true:

We cannot try to collect the amount in question, or report you as delinquent on that amount.

The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or
other fees related to that amount.

While you do not have to pay the amount in question, you are responsible for the remainder of your balance.

We can apply any unpaid amount against your credit limit.
YOUR RIGHT IF YOU ARE DISSATISFED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good
faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with
a check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Providence Bank,
PO Box 106000, Jefferson City, MO 65110. While we investigate, the same rules apply to the disputed amount as discussed
above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do
not pay we may report you as delinquent.
ELECTRONIC FUNDS TRANSFER DISCLOSURE
IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Telephone us at the telephone number listed on the front of this Statement, or write us at Providence Bank, PO Box 106000
Jefferson City, MO 65110 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
statement on which the error or problem 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.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days (5 business
days if involving a Visa® transaction or 20 business days if the transfer involved a new account) to do this, we will credit your
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.
Balancing Your Checking Account
You may use this form to assist you in balancing your checking account to your statement. Please complete all
the information for the Statement Balance and Check Register Balance forms, and click the Calculate buttons
near the bottom of the page. When the Balances at the bottom of the page equals each other, (Adjusted
Statement Balance and Adjusted Check Register Balance) you have balanced your checkbook! If the
Adjusted Statement Balance and Adjusted Check Register Balance do not equal each other, make sure all the
information entered is correct and complete, and calculate and compare balances again.
Statement Balance Form
Checkbook Register Balance Form
First Step
First Step:
Enter Ending Balance of this Bank Statement:
Enter Check Register Balance:
Next Step :
Go through your check copies/stubs
or check register and mark off each
check listed as paid, as well as
deposits and withdrawals, on your
statement. If you have written a
check, deposited funds/money, or
made withdrawals not listed on your
statement, follow the instructions
below to complete the fill-in section.
Complete this section first.
Next Step:
Go through your checkbook register
and compare recorded items to your
statement. If ATM transactions,
interest, fees/charges, incoming
transfers (to your checking account),
and outgoing transfers (from your
checking account) are not recorded
already in your checkbook register,
follow the instructions below to
complete the fill-in section.
o
o
o
Enter type of transaction (unpaid checks, deposits,
and withdrawals) shown in your register and not on
your statement.
Enter amount of the transaction
The BALANCE column is computed for you when you
click the CALCULATE button near the bottom of the
page
Transaction
Amount
Balance
.
o
o
o
Enter type of transaction (ATM, interest, fee/charge,
and transfers) shown on your statement and not in
your register.
Enter amount of the transaction
The BALANCE column is computed for you when you
click the CALCULATE button near the bottom of the
page
Transaction
Amount
Balance
.
Final Step :
Click "Calculate", and your final
account balance will be displayed!
Final Step :
Click "Calculate", and your final book
balance will be displayed!
Adjusted Statement Balance:
Adjusted Check Register Balance:
The Adjusted Statement Balance and Adjust Check Register Balance should equal each other. If they
equal each other, you have balanced your checking account! If they do not equal each other, make
sure all the information entered is correct and complete, and calculate and compare balances again.