TERMS AND CONDITIONS

Credit Card Agreement: Visa Signature® / Visa Platinum®
Effective February 2018

Please  read  and  keep  this  Cardholder  Agreement  for  your  records.  This  Agreement 
governs your credit card Account with us. Use of your Washington Trust Bank Account 
by you, or by someone authorized by you, constitutes acceptance of the terms of this 
Agreement and disclosure. If you do not accept these terms, do not use the cards and 
return the cards to us. We reserve the right to change the rates, fees and terms of this 
Agreement at any time.

ACCOUNT USE

You  promise  to  pay  for  all  transactions,  interest  charges,  and  fees  assessed  to  your 
Account, including any past due amounts. This Agreement is binding if you use your 
Account or make a payment on it. 

Authorized  User:  If  you  let  anyone  use  your  Account,  that  person  is  an  authorized 
user. You may request a card be issued for an authorized user, and this Account may 
appear  on  the  authorized  user’s  credit  report.  Authorized  Users  may  have  the  same 
access  to  information  about  the  Account.  You  are  responsible  for  all  charges  made 
by authorized users. You must notify authorized users that 1) if you do not pay us, we 
may seek payment from them for charges they make or authorize; 2) we may obtain, 
provide, and use information about them; and 3) their use of the Account is subject to 
all terms of this Agreement. 

You may use your Account for the following types of consumer transactions:

Purchases: Buy or lease goods or services with your Card. Purchases include Account 
Fees as well as Transaction Fees and adjustments associated with any purchase

Balance Transfers: Transfer balances to your Account from other creditors by request.

Cash  Advances:  Obtain  cash  from  a  participating  financial  institution  or  merchant, 
or  from  an  automated  teller  machine  (ATM),  write  an  Access  Check,  or  purchase 
money orders, travelers checks, and foreign currency redeemable for cash or transfer 
funds from your Account to your Washington Trust Bank personal checking account 
for  Overdraft  Protection.  If  you  use  your  Account  for  Overdraft  Protection,  we  will 
automatically transfer funds from your Account (up to your credit limit) in increments 
of $10.00 to cover an overdraft. The amount transferred is subject to the cash advance 
interest  rate  and  interest  will  begin  to  accrue  immediately  upon  transfer.  All  Access 
Checks  include  an  expiration  date  printed  at  the  top.  We  will  honor  Access  Checks 
received for payment before the expiration date printed on the check, provided your 
Account is open and in good standing, with available credit. Access Checks without a 
printed expiration date will not be honored.

LIMITATIONS ON ACCOUNT USE

• Personal  Use:  Your  Account  will  only  be  used  for  personal,  family,  or  household

purposes. You may not use your Account for business or commercial purposes.

• Payments to Washington Trust Bank Accounts: You may not use a Cash Advance or

Access Check to make a payment to another Washington Trust credit account.

• Illegal Transactions: The use of this Card for illegal transactions is prohibited. Your
Card  and  Account  may  be  used  only  for  valid  and  lawful  purposes.  If  you  use,  or
allow someone else to use, the Card or Account for any other purpose, you will be
responsible for such use and may be required to reimburse Washington Trust Bank
and VISA for all amounts or expenses either Washington Trust Bank or VISA pays as a 
result of such use. For example, Internet gambling transactions may be illegal in your 
state. Display of a payment card logo by an online merchant does not mean that the 
Internet gambling transaction is legal where you conduct it. We will not be liable if
you engage in illegal transactions and we may deny authorization of any transactions 
identified as Internet gambling.

• Credit  Limit:  Your  credit  limit  is  disclosed  to  you  when  you  receive  your  card  and
on  your  monthly  statement.  We  may  change  your  credit  limit  from  time  to  time
and  we  base  that  decision  on  a  number  of  factors  such  as  your  payment  and
transaction history with us and information we receive from third parties including
credit reporting agencies. The amount shown on your monthly statement as Credit
Available  does  not  take  into  consideration  any  Purchases,  Balance  Transfers,  Cash
Advances, interest charges, fees and any other transactions, or credits which post to 
your Account after the Closing Date of that monthly statement. Such transactions
could result in your credit limit being exceeded. You promise to make Purchases, Cash 

Advances and Balance Transfers only up to that limit – meaning the total outstanding 
balance  on  your  Account  plus  authorizations  at  any  time  must  not  be  more  than 
your credit limit. If you attempt a transaction which results in your total outstanding 
balance  (plus  authorizations)  exceeding  your  credit  limit,  we  may  respond  in  the 
following ways: 1) We may permit the transaction without raising your credit limit; 
2) We  may  allow  the  transaction  but  treat  the  amount  of  that  transaction  that  is
over the credit limit as immediately due; or 3) We may decline the transaction. If we 
decline  the  transaction  we  may  advise  the  person  who  attempted  the  transaction
that it has been refused. In the case of a declined Balance Transfer or Check Cash
Advance  we  may  advise  the  person  presenting  the  Check  Cash  Advance  that  the
credit has been refused or that there are insufficient funds to pay the Check Cash
Advance or Balance Transfer. If you use the Account for more than your limit, we may 
charge you for all transactions without giving up our rights under this Agreement.
You  must  pay  any  amount  over  your  credit  limit  immediately  upon  request.  If  we
have allowed you to exceed your credit limit in the past that does not mean that we 
will allow you to exceed your credit limit again.

• Authorizations: Some transactions require our prior authorization. We may limit the 
number of authorizations we give in a day. We may deny authorization if you are in
default, if we suspect fraudulent activity, or for other reasons. We are not liable for
any failure to authorize a transaction. You are liable for any transaction we authorize 
even if we should not have authorized it because you are or would be in default as a 
result of the transaction.

STATEMENTS AND PAYMENTS

Promise to Pay: When you use your Account or allow someone else to use it, each of 
you  promises  to  pay  the  total  amount  of  the  Purchases,  Cash  Advances  or  Balance 
Transfers whether a sales draft is signed or not. Each of you also promises to pay any 
and  all  interest  charges,  fees  and  any  other  transactions  which  become  due  on  the 
Account.

Statements: Each month, in which you have an undisputed credit or debit balance of 
$1.00 or more, you will receive a statement showing your new balance. Your statement 
also shows the minimum amount you must pay and the latest day we must receive your 
payment. The due date is at least 25 days after the statement date. 

Minimum Payment: You must make at least the Minimum Payment Due by the Payment 
Due Date shown on your statement. Your Minimum Payment Due will be either 3% of 
the total balance or $10, whichever is greater. Payments made in any billing cycle that 
are  greater  than  the  Minimum  Payment  due  will  not  affect  your  obligation  to  make 
the next Minimum Payment, and if you overpay or if there is a credit balance on your 
Account, we will not pay interest on such amounts. We may reject payments that are 
not drawn in U.S. dollars or those drawn on a financial institution outside the United 
States. We reserve the right to reject a payment if your Account has a credit balance as 
of the day we receive that payment. Generally, credits to your Account, such as those 
generated by merchants or by person-to-person money transfers, are not treated as 
payments and will not reduce your Minimum Payment due.

Total Amount Due: You may pay your Total Amount Due at any time. Each billing cycle 
you must pay at least the Minimum Payment due as shown on your monthly statement 
by  its  Payment  Due  Date.  If  you  are  past  due  or  overlimit  on  your  Account,  these 
amounts will be added to your Minimum Payment due.

Whole Balance Due: If you miss a payment or break one of your promises under this 
Agreement,  we  may  demand  full  payment  of  your  entire  balance  without  advance 
notice.  The  only  exception  is  a  valid  argument  over  a  charge  to  your  Account.  We 
may  also  demand  full  payment  if  you  die,  if  another  creditor  tries  to  attach  or  seize 
your property or garnish your wages, or if you are past due or in default on any other 
obligation to Washington Trust Bank.

Payments on your Account: You must pay each month at least the Minimum Payment 
due  shown  on  your  monthly  statement  by  its  Payment  Due  date.  You  may  pay  the 
entire amount you owe us at any time. If you choose to make your payment by check 
we may elect to process that payment as an electronic funds transfer and each time 
you send a check you authorize a one-time electronic funds transfer. However, we may 
also choose to process your payment made by check as a check or paper draft. Funds 
may be withdrawn from your Account as soon as the same day we receive payment 

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watrust.comRev 2/1818-PS-493instructions.

We  credit  payments  as  of  the  date  received,  if  the  payment  is:  1)  received  by  5pm 
local time at the address shown on the remittance slip on the front of your monthly 
statement; 2) paid with a check drawn in U.S. dollars on a U.S. financial institution or 
a  U.S.  dollar  money  order;  and  3)  sent  in  the  return  envelope  with  only  the  bottom 
portion of your statement accompanying it. Payments received after 5pm local time at 
the remittance address on any day including the Payment Due Date, but that otherwise 
meet  the  above  requirements;  will  be  credited  as  of  the  next  day.  Payments  made 
by 5 pm EST online through WTB Credit Card Tracker will be credited the same day. 
Credit  for  any  other  payments  may  be  delayed  up  to  five  days.  If  your  Account  has 
balances with different APRs, we will allocate the amount of your payment equal to the 
Minimum Payment due to the lowest APR balances first. Payment amounts in excess 
of  your  Minimum  Payment  due  will  be  applied  to  balances  with  higher  APRs  before 
balances with lower APRs.

Default:  You  will  be  in  default  of  this  Agreement  if  1)  you  fail  to  make  the  required 
Minimum  Payment  due  by  its  Payment  Due  Date;  2)  your  total  outstanding  balance 
exceeds your credit limit; or 3) you fail to abide by any other term of this Agreement. 
Our failure to exercise any of our rights when you default does not preclude us from 
exercising  our  rights  upon  later  default.  We  may  require  immediate  repayment  if 
you  default  on  this  Agreement  in  addition  to  any  other  remedies  contained  in  this 
Agreement. If collection action becomes necessary, or if you violate this Agreement, 
we  may  bill  you  a  collection  fee.  Attorney’s  fees,  whether  or  not  a  suit  is  filed,  are 
included in these costs.

Other  Payment  Terms:  We  can  accept  late  payments,  partial  payments  or  payments 
with any restrictive writing without losing any of our rights under this Agreement. This 
means that no payment, including those marked with “paid in full” or with any other 
restrictive words, shall operate as an accord and satisfaction without the prior written 
approval of one of our Collection Officers. You may not use a postdated check to make 
a payment unless directed by a Collection Officer and sent to a specified address. If you 
do postdate a payment check, we may elect to honor it upon presentment or return it 
uncredited to the person that presented it, without in either case waiting for the date 
shown on the check. We are not liable to you for any loss or expense incurred by you 
arising out of the action that we elect to take.

Rates: Annual Percentage Rates (APRs) for your Account are listed on the Interest Rate 
and  Interest  Charges  Table.    The  Daily  Periodic  Rate  is  determined  by  dividing  the 
Annual Percentage Rate by the number of days in a year, rounded to the next highest 
hundred thousandth of a percentage point. We reserve the right to amend these APRs.

Purchases:  The  APR  for  Purchases  is  a  variable  rate  and  is  determined  by  adding  a 
margin of 7.99% to the Prime Rate. 

Cash  Advances:  The  APR  for  Cash  Advances  is  a  variable  rate  and  is  determined  by 
adding a margin of 9.99% to the Prime Rate.

Penalty APR: The Penalty APR will vary and is determined by adding a margin of 15.99% 
to the Prime Rate

Variable Rates: One or more of the APRs described in this document may vary monthly 
based on the Prime Rate. Rates shall be adjusted on the first day of each billing period 
(“Change  Date”).  The  APR  on  each  Change  Date  shall  equal  the  highest  Prime  Rate 
published  in  The  Wall  Street  Journal  on  the  last  date  of  publication  in  the  calendar 
month  preceding  each  Change  Date,  PLUS  a  Margin  as  described  above.  Beginning 
on  the  date  a  rate  adjustment  is  effective  and  until  the  next  Change  Date,  the  Daily 
Periodic Rate then in effect will be applied to the balance in the Account to determine 
the Finance Charge. An adjustment in the APR applies to new cash advances, balance 
transfers,  credit  purchases,  and  other  charges.  An  increase  or  decrease  in  the  Prime 
Rate  will  cause  an  increase  or  decrease  in  the  APR  and  may  increase  the  amount 
and number of minimum payments. The rate of Finance Charge shall not exceed the 
maximum rate permitted by law, if any is applicable. If the Wall Street Journal does not 
publish the U.S. Prime Rate or if it changes the definition of the U.S. Prime Rate, we may 
substitute another index.

Penalty  APR:  If  at  any  time  you  are  more  than  60  days  late  in  making  the  required 
monthly Minimum Payment, we may elect to increase your Purchase, Cash Advance, 
and/or Balance Transfer APRs, including any Promotional Rate APR. When you make 
at least your monthly payment on or before the due date for six consecutive months 
immediately following the rate increase to the penalty rate, your APR will return to the 
previous rate.

Grace  Period:  You  will  have  a  grace  period  on  New  Purchases  provided  you  Pay  in 
Full  by  the  statement  due  date  .New  purchases  are  subject  to  finance  charges  if  the 
prior statement balance was not paid in full. You do not have a Grace Period on Cash 
Advances, Overdraft Protection, or Balance Transfers.

Periodic  Finance  Charges:  Your  balance  subject  to  Finance  Charge  shown  on  your 
billing statement is arrived at by completing the following calculations: We calculate 
a portion of the Finance Charge on your Account by applying the Daily Periodic Rate 
to the Average Daily Balance of your Account. To compute the Average Daily Balance, 
we  take  your  beginning  balance,  add  any  new  transactions  or  other  debits,  subtract 
any payments or other credits. Then, we sum daily balances for the billing cycle and 
divide the total by the number of days in the billing cycle. This gives us the Average 
Daily Balance. We do this calculation separately for Purchases and Cash Advances. For 
Purchases, the beginning balance is calculated from the posting date. If the previous 
balance on the statement was paid in full during the first 25 days of the billing cycle, 
the Average Daily Balance is considered $0. For Cash Advances and Balance Transfers, 
the beginning balance is calculated from the transaction date. In addition, we calculate 
a portion of the Finance Charge by applying a Cash Advance Fee to each Cash Advance.

Cash  Advance  and  Balance  Transfer  Fees:  For  each  Cash  Advance,  we  will  charge 
the  Cash  Advance  Fee.  Balance  Transfers  will  also  incur  Cash  Advance  Fees  unless 
otherwise stated.

Overdraft  Protection  Transfer  Fee:  For  each  Overdraft  Protection  transfer  we  will 
charge the Overdraft Protection Transfer Fee.

Minimum Finance Charge: Whenever the calculated Finance Charge is less than $1.00, 
we will assess a minimum Finance Charge of $1.00.

OTHER FEES

Annual  Membership  Fee:  The  Annual  Visa  Platinum  Membership  fee  is  waived  if  you 
have an open personal Washington Trust Bank checking account in good standing. If 
the Fee applies, it will be assessed if your Account is open or if you maintain an account 
balance, whether or not you have active charging privileges.

Visa Signature: None.

Late  Fees:  A  Late  Fee  will  be  added  to  the  balance  of  your  Account  for  each  billing 
period you fail to pay, by its due date, the Minimum Amount Due.

Returned Payment Fee:  A Returned Payment Fee will be added to your Account for any 
payment on your Account that is returned to us unpaid.

Copy Charge/Card Replacement Charge: Your account will be charged a copy charge 
of $2 per page for copies of a statement or check, and $5 for a copy of a sales receipt 
you request from us, except those items associated with a billing dispute. You may be 
assessed a fee $3 for replacing your credit card for reasons other than card expiration 
or you report your card stolen.

Rates, fees, and terms may change: Washington Trust Bank may change the rates, fees 
and  terms  of  your  Account  at  any  time  for  any  reason.  These  reasons  may  include 
competitive or market-related factors. If we make a change for any reason, other than 
an increase or decrease in the Prime Rate, you will receive advance notice and a right 
to opt out in accordance with applicable law.

OTHER IMPORTANT INFORMATION

Lost or Stolen Cards: If your Card is lost or stolen, or if you think your Account is being 
used without your permission, you must notify us immediately at 800.788.4578.

Cancellation: You may cancel this Agreement any time for any reason. If you do cancel, 
you must notify us and destroy all cards and/or access checks or other credit devices 
we  have  issued  for  the  Account.  We  may  also  cancel  or  suspend  your  Account  or 
otherwise  terminate  your  right  to  use  this  Account  at  any  time  for  any  reason.  You 
must destroy all of the cards and/or access checks or other credit devices that we have 
issued as soon as this happens. Even though the Account is canceled, you are still liable 
for all purchases, advances and charges made on the Account.

Transactions  after  Your  Account  is  Closed:  When  your  Account  is  closed,  it  is  your 
responsibility  to  contact  anyone  authorized  to  charge  transactions  to  your  Account, 
such as health clubs, cell phone providers or insurance companies. These transactions 
may  continue  to  be  charged  to  your  Account  until  you  change  your  billing  with  the 
providers  of  those  services.  If  we  believe  you  have  authorized  a  transaction  or  are 
attempting  to  use  your  Account  after  you  have  requested  to  close  the  Account,  we 
may allow the transaction to be charged to your Account.

Refusal To Honor Your Account: We are not liable for any refusal to honor your Account 
– this can include both a refusal to honor your account number or a check written on 
your  Account.  We  are  not  liable  for  the  retention  of  your  card  by  us,  any  financial
institution or any provider of goods and services. 

Changing of Our Agreement:  We may change the terms or amend this Agreement at 
any time. We may do so by adding, deleting or changing provisions of this Agreement. 
We may increase or decrease any or all of your APRs, including any Promotional APRs. 
When  we  amend  this  Agreement  we  will  comply  with  State  and  Federal  Regulations 
that are in effect at that time. APR increases will not impact existing balances unless 
you are more than 60 days late with a payment. If an amendment to this Agreement 
gives  you  the  opportunity  to  reject  the  change,  and  if  you  reject  the  change  in  the 
manner provided in such amendment, we may terminate your right to receive credit 
and we may ask you to return your cards and/or access checks or other credit devices 
as a condition of your rejection. We may replace your card with another card at any 
time. 

Security  Interest:  To  secure  payment  and  performance  obligations  under  this  credit 
card Account, we may take a security interest in one of more of your personal assets 
to include, but not limited to, a personal savings account or time certificate of deposit. 
Your  intention  to  grant  a  security  interest  will  be  supported  by  a  separate  security 
agreement.  The  annual  percentage  rate  will  not  take  into  consideration  required 
deposits. If you sign a Security Agreement with Washington Trust Bank and grant the 
Bank a security interest in something other than your primary residence, that collateral 
may also secure your indebtedness under your Account.

Credit Reports: You authorize us to obtain information about you including information 
from  third  parties  such  as  credit  reporting  agencies  and  information  about  your 
transaction history with us and other companies.

If you believe we have furnished inaccurate or incomplete information about you or 
your account to a credit reporting agency, write us at Credit Card Services, Washington 
Trust Bank; P.O. Box 2127; Spokane, WA 99210-2127 and explain what information you 
believe is inaccurate or incomplete. Please include your name, address, phone number, 
and account number in your correspondence. 

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watrust.comRev 2/1818-PS-493Negative  Information  Disclosure:  We  may  report  information  about  your  Account  to 
credit  bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  Account 
may be reflected in your credit report. 

Sign Your Card: You should sign your card before you use it.

Telephone Monitoring: We may listen to and record telephone calls between you and 
us  for  the  purpose  of  monitoring  and  improving  the  quality  of  service  you  receive. 
Where you have provided a cell phone number directly to us, or placed a cell phone 
call to us, you consent and agree to accept collection calls or texts to your cell phone 
from us. For any telephone or cell phone calls we place to you, you consent and agree 
that those calls may be automatically dialed and/or use recorded messages.

Foreign  Currency  Transactions/Fees:  If  you  make  a  transaction  in  currency  other 
than U.S. dollars, VISA will convert the charge or credit into a U.S. dollar amount. The 
conversion rate on the processing date may differ from the rate on the date of your 
transaction. We will charge you a Foreign Currency Transaction Fee, if applicable, of 
the U.S. dollar amount for each converted purchase and cash advance transaction.

Procedures for Opening a New Account: To help the government fight the funding of 
terrorism and money laundering activities, Federal law requires all financial institutions 
to  obtain,  verify,  and  record  information  that  identifies  each  person  who  opens  an 
account.  What  this  means  for  you:  When  you  open  an  account,  we  will  ask  for  your 
name, address, date of birth, and other information that will allow us to identify you. 
We may also ask to see your driver’s license or other identifying documents.

Waiver: We can waive or decline to enforce any of our rights under this Agreement at 
any time without affecting any of our rights under this Agreement. 

We May Sell Your Account: We may at any time and without notice to you, sell assign or 
transfer your Account, any sums due on your Account, this Agreement, or our rights or 
obligations under your Account or this Agreement to any person or entity. The person 
or entity to whom we make any such sale, assignment or transfer shall be entitled to 
all of our rights and/or obligations under this Agreement, to the extent sold, assigned 
or transferred.

Change Your Address: You must notify us when you change your address. In order to 
keep accurate records on your Account we must have current address and telephone 
number information for the Account that you have with us. We may also receive this 
information  via  the  postal  service  or  from  other  sources.  When  you  change  your 
address or telephone numbers, you must notify us promptly of that information. 

Visa  Account  Updater  (VAU):  When  your  Account  number  or  card  expiration  date 
changes, participating merchants will have access to your updated card information to 
prevent the interruption of future payments.  Merchants are not required to participate 
in VAU, so notification to your merchants is recommended.  If you wish to opt out of 
this service, contact Priority Service at 800-788-4578.

Governing  Law:  This  Agreement  is  governed  by  the  laws  of  the  state  of  Washington 
(without regard to its conflict of laws principles) and by any applicable federal laws.  

YOUR BILLING RIGHTS (KEEP THIS DOCUMENT FOR FUTURE USE)

This  notice  tells  you  about  your  rights  and  our  responsibilities  under  the  Fair  Credit 
Billing Act.

What to Do If You Find a Mistake on Your Statement. If you think there is an error on 
your statement, write us at Washington Trust Bank, Credit Card Services, P.O. Box 2127, 
Spokane WA 99210-2127

Write to us as soon as possible. We must hear from you no later than 60 days after we 
sent you the first bill on which the error or problem appeared. You can telephone us, 
but doing so will not preserve your rights.

In your letter, give us the following information:

• Account information: Your name and account number

• Dollar amount: The dollar amount of the suspected error

stop payment on the amount you think is wrong.

You  must  notify  us  of  any  potential  errors  in  writing.  You  may  call  us,  but  if  you  do 
we are not required to investigate any potential errors and you may have to pay the 
amount in question.

What Will Happen After We Receive Your Letter: When we receive your letter, we must 
do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. 

We will also tell you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to 

you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that 

amount.

• The  charge  in  question  may  remain  on  your  statement,  and  we  may  continue  to

charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible for the

remainder of your balance.

• We can apply any unpaid amount against your credit limit.

 After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest 

or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees.  We will send you a statement of the amount 
you owe and the date payment is due.  We may then report you as delinquent if you 
do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill.  We must tell 
you  the  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let 
those organizations know when the matter is settled between us.

Your  Rights  If  you  Are  Dissatisfied  with  Your  Credit  Card  Purchases:  If  you  are 
dissatisfied with the goods or services that you have purchased with your credit card, 
and you have tried in good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on purchase. To use this right, all 
of the following must be true:

1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of
your  current  mailing  address;  and  the  purchase  price  must  have  been  more  than
$50.  (NOTE:  Neither  of  these  are  necessary  if  your  purchase  was  based  on  an
advertisement we mailed to you, or if we own the company that sold you the goods 
or services.)

2. You must have used your credit card for the purchase.  Purchases made with cash
advances from an ATM or with the check that accesses your credit card account do 
not qualify. 

3. You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  purchase, 
contact us in writing at Washington Trust Bank, P.O. Box 2127, Spokane, WA, 99210-
2127.

While we investigate, the same rules apply to the disputed amount as discussed above.  
After we finish our investigation, we will tell you our decision. At that point, if we think 
you owe an amount and you do not pay, we may report you as delinquent.

• Description of problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake.

You must contact us

• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is scheduled, if you want to

Information  about  the  rates  and  fees  if  the  card  described  in  this  Agreement  are 
accurate as of the date of printing, February 2018. This information may have changed 
after that date. To find out what may have changed, call us at 800.788.4578, or write 
to us at P.O. Box 2127, Spokane, WA  99210-2127. Visa is a registered trademark of Visa 
International  Service  Association  and  is  used  by  the  issuer  pursuant  to  license  from 
Visa U.S.A. Inc.

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