Error Resolution

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER

If you think your statement or receipt is wrong or you need more information about a transfer on the statement or receipt, call our Compliance Officer, Glenda Hernandez at 620-234-5226 or email us at pbk@prairiebankks.com. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

Please include the following information in your email message:

• Your name and account number
• An explanation of the error or transfer you about which you are unsure
• The dollar amount of the suspected error

If you call us regarding a suspected error, we may require you to send it to us via email within 10 business days of the call.

We will determine whether an error occurred within 10 business days (five business days for debit card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (five business days for debit card point-of-sale transaction, and 20 business days if the transfer involved a new 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.