Part 85, page 326

Transcript

The scan is the source; the transcript is machine-generated from it.

1. Each month the bank shall charge my checking account for an installment equal to 1/25 of the new balance of the loan as shown on the statement, or $25.00, whichever is greater, except that if the new balance is less than $25.00, the whole new balance must be paid, or a level payment that has been previously designated by me which will amount to at least 5% of my maximum credit line.

2. FINANCE CHARGES are computed by applying the aforementioned daily periodic rate, which is equivalent to the ANNUAL PERCENTAGE RATE as disclosed on the reverse side hereof, to the average daily balance during this billing cycle, and than multiplying this product by the number of days in the billing cycle. The cost of compulsory CREDIT LIFE INSURANCE if obtained through the Bank is included within the aforediscussed FINANCE CHARGES as a component thereof.

3. The average daily balance during the billing cycle is computed by totaling the daily loan balances after adding loans and subtracting payments and credits and then dividing by the number of days in the billing cycle.

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CHECKS OUTSTANDING - NOT CHARGED ON THIS ACCOUNT

NUMBER | AMOUNT | NUMBER | AMOUNT -------|--------|--------|------- | | | | | | | | | | | | | | | | | | | | |

TOTAL $________

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Month________________ 19______

1. Bank Balance Shown on This Statement $________

2. ADD + Deposits Not Credited in This Statement (if Any) $________

$________

TOTAL $________

3. SUBTRACT - Outstanding (Those Shown in Your Check Book But Not on Statement)

BALANCE $________

Should Agree With Your Check Book Balance After Deducting Service Charge (If Any) Shown on This Statement

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Please report any discrepancies within 10 days and furnish your account number when making inquiries. If no error is reported in 10 days the account will be considered correct.

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DB Cooper-37735