Printer Friendly Versions-                   PDF Format		Excel Format including balancing formula
TAX INFORMATION		FOR YOUR CONVENIENCE
		TO BALANCE YOUR ACCOUNT
The amount of dividends received as shown
on this statement is reportable as "Interest		1.  WRITE or TYPE here the balance shown on
Earned" on your income Tax Return.		this statement.		$
PLEASE RETAIN THIS STATEMENT FOR YOUR RECORDS.		2.  ADD Share payments (deposits)
		made since the date of this statement.		$
SEND INQUIRIES TO THE CREDIT UNION  PO BOX 64970
LUBBOCK, TX 79464-4970				$
THE "FINANCE CHARGE" IS INCLUSIVE OF ALL COSTS FOR				$
THE CREDIT INCLUDING WHAT PREVIOUSLY WAS TERMED
"INTEREST" IT IS COMPUTED AT THE TIME A PAYMENT IS			SUB TOTAL	$
RECEIVED BY MULTIPLYING THE LOAN BALANCE BY THE
NUMBER OF DAYS IT HAS BEEN OUTSTANDING BY THE		3.  SUBTRACT items outstanding.
PERIODIC RATE AS SHOWN ON THE FACE OF THE STATE-
MENT SINCE THE NUMBER OF DAYS BETWEEN PAYMENTS			NUMBER		AMOUNT
VARIES INTEREST CHARGES APPEAR TO INCREASE OR
DECREASE.
LOAN BALANCE DOES NOT INCLUDE INTEREST, INTEREST
DUE IS COMPUTED BY MULTIPLYING THE LOAN BALANCE
BY THE PERIODIC RATE PER DAY AS SHOWN ON THE
STATEMENT AND THEN MULTIPLYING THE RESULT BY THE
NUMBER OF DAYS FROM THE LAST LOAN TRANSCACTION
TO THE CURRENT DATE.
THE BALANCE USED TO COMPUTE THE FINANCE CHARGE IS
THE ACTUAL BALANCE IN THE ACCOUNT EACH DAY AFTER
CREDITS HAVE BEEN SUBTRACTED AND NEW ADVANCES
AND OTHER CREDITS HAVE BEEN ADDED.
IN CASE OF ERRORS OR INQUIRIES
ABOUT YOUR STATEMENT
Send your inquiry in writing so that the Credit Union receives it within
60 days after the statement was mailed to you.  Your written inquiry
must include:
1.  Your name and account number
2.  A description of the error and why  (to the extent you can explain)
you believe it is an error.
3.  The dollar amount of the suspected error.
We will investigate you complaint and will correct any error promptly.  If
we take more than 10 business days to do this, we will recredit your ac-
count for the amount you think is in error, so that you will have use of
the money during the time it takes us to complete our investigation.
If you have authorized your Credit Union to automatically pay your
loan from your share account, you can stop or reverse payment on
any amount you think is wrong by mailing your notice so that the Credit
Union receives it within 16 days after the statement was sent to you.
		TOTAL items outstanding		$
You remain obligated to pay the payment on your loans not in		4.  This is your balance.		$
dispute, but you do not have to pay any amount in dispute during the time the Credit Union is resolving the dispute.
During the same time, the Credit Union may not take any action to collect disputed amount or report disputed amounts as delinquent.
This is a summary of your rights, a full statement of your rights and the Credit Union's responsibilities under the Federal Fair
Credit Billing Act will be sent to you upon request and in response to a notice of error.		IN CASE OF ERRORS OR QUESTION ABOUT YOUR ELECTRONIC
		TRANSFERS TELEPHONE US AT (806) 798-5554 OR 1(800) 687-4328
		OR WRITE US AT P.O. BOX 64970  LUBBOCK, TX  79464-4970.
		OUR BUSINESS DAYS ARE MONDAY THROUGH FRIDAY.
		HOLIDAYS ARE NOT INCLUDED.