In Case of Errors or Questions About Your Bill: 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 CONWAY NATIONAL BANK
ATTN: COMPLIANCE
P.O. BOX 320
CONWAY, SC 29528-0320

We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error 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. 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 the amount 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 the finance charge on your account by applying the daily periodic rate to the daily balance in your account for each day of the billing cycle. To get the daily balance, we take the beginning balance of your account each day, add any new advances or debits, and subtract any payments or credits. We then multiply the daily balance by the daily periodic rate. The total of these daily charges is the Finance Charge for the billing period.