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Error Resolution

In case of errors or questions about your electronic transfers, telephone us at 815-434-0044 or write us at First National Bank of Ottawa, 701 LaSalle Street, Ottawa, IL 61350 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 you received 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 for VISA@ Check Card point-of-sale transactions and 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.

Important Information For Home Equity Line of Credit Accounts (First Equi-Line)

In case of Error or Questions About Your Bill

If you think you bill is wrong, or if you need more information about a transaction on your bill, write us at First National Bank of Ottawa, 701 LaSalle Street, Ottawa, IL 61350, as soon as possible. We must hear from you no later than 60 days after you receive 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:

• 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 questions. While we investigate your questions, we cannot report you as delinquent or take any action to collect the amount you question.

How To Make Payments:

Payments received prior to 4:00PM at the Bank address shown on the face of your statement will be credited, as of day of receipt. Payments made at other locations of the Bank may result in a delay in crediting your payments (but not more than 5 days).

Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account. If you tell us within two business days, you can lose no more than $50 if someone used your card without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you can lose as much as $500.

Method of computing portion of finance charge.

The Daily Periodic Rate and Annual Percentage Rate on this account may vary.

Finance charges begin to accrue immediately when we make a loan to you. To figure the finance charge for a billing cycle, we apply a daily periodic rate of finance charge to the "average daily balance" of your loan account for the billing cycle. We then multiply that figure by the number of days in the billing cycle. The average daily balance is computed as follows: First, we take your loan account balance at the beginning of the day and subtract any unpaid finance charges and credit insurance premiums (if any) that are due, Next, we subtract the portion of any payments or credits received that day which apply to the repayment of your loans. (A portion of each payment you make is applied to finance charges and credit insurance premiums, if any.) Then we add any new loans made that day. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide that total by the number of days in the billing cycle. This gives us the "average daily balance."

A Finance Charge is imposed on all advances from the date an advance is posted to your account and will continue to accrue on a daily basis until payment in full of the New Balance is posted. The Finance Charge accruing between Statement Date and posting of payment will be billed on the next statement.

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