ERROR RESOLUTION:  IN CASE OF ERRORS OR QUESTIONS:  (INCLUDING ELECTRONIC TRANSFERS)  If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, you can telephone us at: (785)945-3231 or write to us at: Kendall State Bank; 406 Broadway; P.O. Box 188; Valley Falls, Ks.  66088-0188.  We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.  When you contact us: (1)  Tell us your name and account number.  (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 (20 business days if the error involves an electronic funds transfer to or from your account within 30 days after the first deposit to the account is made) 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.