Charges for your local service and equipment are billed a month in advance. Long distance calls are billed in arrears. Charges for installing or changing equipment or services are billed on your monthly statement following completion of work.

Your monthly statement has a printed date by which we should recive payment each month.

All past due charges billed must be paid before your service can be reconnected. You will also have to reestablish
your credit and as a result, we may require a reconnect charge as well as a security desposit. Before service can be restored, the customer is obligated to own their own telphone instrument(s).

Call your Service Representative who can answer qustions, investigate possible errors, and provide information about bills. All questions must be brought to the attention of the telephone company within 15 days to be elegible to recieve credit. Your Service Representative's phone number is on your bill - 996-2981.

Since deregulation, long distance companies have been allowed to bill customers direct for calls made using their service. The local telephone company may be hired to provide this service if the long distance service chooses to do
so.

Our main business office is located at 205 North Washington Street, Hebron, Indiana. The zip code for the office is
46341.

EFT is an automatic payment method, which authorizes your bank to automatically deliver each monthly payment
directly into your NITCO account. This payment method is available to our telephone customers who wish to participate, and there is no service charge and/or fee from NITCO for this service.

EFT offers you several advantages. Consider the following:

You save the cost of checks and postage

You recieve a record of your payment on your check statement

You know the exact date when your payment is made to us

You don't have to worry that your check has been delayed, lost in the mail, or misplaced

Your payment is deducted on or about the 15^th of each month - no matter where you are or what you are doing

It's easy to sign-up; just follow these steps

Complete and detach the EFT Authorization form.

Send the Authorization Form to: NITCO PO Box 67 Hebron, Indiana 46341, along with your next monthly payment, and please allow one month to process. Make sure the check is from the account you want your payments
taken from.

Record the amount of the deduction in your checkbook each month, as your payment will be automatically deducted from the checking account the you have specified, on or about the 15^th of each month. Some banks do a pre-notification before the first account withdrawl. Check with your banking institution for this procedure.

You will need to immediately notify a NITCO Billing Representative. Please call us at (219)996-2981, Monday thru
Friday, 8am to 5pm CST, they will give you further information and instructions.