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PENFED DEFENDER  
VISA SIGNATURE® CARD

Cardholder Agreement  
and Disclosure Statement 

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 has been 
settled between us. If we do not follow all the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct. 

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PUR-
CHASES. If you 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 the 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 is 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 a 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  or  electronically  at:  Card  Services,  Pentagon  Federal 
Credit Union, Box 456, Alexandria, VA 22313-0456, or online at PenFed.org.
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  dis-
cussed 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.

Information about this card is accurate as of November 2014 but may have changed since then. To find out 
what may have changed, please go to PenFed.org or call 800-247-5626.

Form 472  11/14  POD  FDR M-111797  

DEFINITIONS.  The  “Card”  means  the  Pentagon  Federal  Credit  Union  (Pen-
Fed) credit card which we issue to you under this Agreement, and includes any 
device or check used to obtain credit or cash from the account. An Authorized 
User is an individual receiving a Card, but who has no responsibility for pay-
ment of the Account. The words “you”, “your” and “cardholder” mean each per-
son, jointly and individually who holds, signs, retains, uses, or permits others to 
use or sign a card. The words “our”, “we” and “us” mean PenFed or any of its as-
signees. Unless otherwise stated, “Account” means your Card account with us.

1.  AGREEMENT. We  agree  to  extend  credit  to  you  and  advance  amounts  up 
to your credit limit, but transaction limits may apply. Your credit limit is not 
increased by any credit balance you may have on your account. You will sign the 
back of the Card as soon as you receive it. You agree to pay us for credit extended 
for the use of the Card by you or any other cardholder, along with all applicable 
finance charges, fees and insurance, if any apply. By signing, using or permit-
ting others to use the Card, you agree to the terms and conditions contained in 
this Agreement, on the Card, on any charge slip resulting from authorized use 
of the Card, on any authorized cash advance slip, and to accept responsibility 
for all actions taken with the Card.

2. CREDIT LIMIT. You agree to use the Card within the credit limit we autho-
rize. You also agree that we can change your credit limit at any time. We are 
not obligated to accept charges that would cause you to exceed your authorized 
credit limit. Any extension of credit to you, made or honored by us, shall be at 
such times and in such amounts and for such purposes as to conform to this 
Agreement, and only when there is no default.

3.  CHANGE  IN  TERMS. You  agree  that  the  terms  of  this  Agreement  are  ap-
plicable to any cardholder. You also agree that we can change the terms of this 
Agreement at any time by adding, deleting, or modifying any provision of the 
Agreement. 

Termination of the account by you or PenFed will not affect your obligation 
to pay the Account balance plus any finance charge and other charges you owe 
under this Agreement. You are responsible for all transactions made to your ac-
count after termination, unless the transactions were unauthorized. Should you 
choose to cancel your Account, the terms in effect at the time that you cancel 
the Account will apply until the outstanding balance of the Account is paid in 
full, unless you are in default. Your card will no longer be available for use for 
new transactions, including purchases, as the Account will be closed (if it is not 
already closed.) Any cash rewards you have earned will be forfeited. If you do 
not notify us of your decision to terminate the account by the date stated in any 
notice we provide, or if you notify us but then use the Account after the date 
stated in the notice, you will be deemed to accept all changes to the Account’s 
terms and conditions of this Agreement. 

If you are in default because your payment has not been received within 60 
days of the due date, you do not have the right to reject the changes we make to 
this Agreement or the Account’s terms and conditions. 

4. FINANCIAL CONDITION CHANGE. You agree to advise us of any change 
in your financial condition that may affect your creditworthiness and to pro-
vide us with a current loan application whenever we request one. You expressly 
authorize any person, partnership, association, firm, corporation or consumer 
reporting agency, upon our request, to furnish us with information concerning 
you relevant to the review and evaluation of this Account. You understand and 
agree  that  we  may  terminate  your  account  upon  reevaluation  of  your  credit-
worthiness.

5.  FINANCE  CHARGES  WILL  BE  IMPOSED  IN  THE  FOLLOWING  MAN-
NER AND WILL BE IN AMOUNTS NOT IN EXCESS OF THOSE PERMIT-
TED BY LAW:

(A) PURCHASES: (1) No finance charge will be imposed during the next billing 
cycle (defined as the time interval between regular monthly billing statement 
dates) if you pay the entire new balance shown on the current periodic state-
ment and we receive your payment on or before the payment due date shown 
on the statement. (2) In all other cases, a finance charge will be imposed based 

on the average daily balance of all purchases and debit adjustments, hereafter 
referred to as purchases. The average daily balance is the sum of all outstand-
ing purchases, which is determined by including new purchases and deducting 
payments or credits and excluding any unpaid finance charge for your Account 
on each day of the billing cycle divided by the number of days in the billing 
cycle. A purchase appearing on the periodic statement is considered a part of 
the outstanding balance from the date of posting. (3) The amount of the finance 
charge is calculated by multiplying the average daily balance for purchases by 
the monthly periodic rate. The monthly periodic rate is the yearly interest rate 
divided by 12.

(B) CASH ADVANCES. (1) Finance charges accrue on all cash advance amounts 
from the date charged to your Account and continue so long as such amounts 
remain outstanding. (2) A finance charge will be imposed on the average daily 
balance of cash advances, which is the sum of the cash advances (determined 
by  including  new  cash  advances  and  deducting  any  payments  or  credits  and 
excluding  any  unpaid  finance  charge)  outstanding  each  day  during  the  bill-
ing cycle, divided by the number of days in the billing cycle. A cash advance 
appearing  on  the  periodic  statement  is  considered  a  part  of  the  outstanding 
balance  from  the  date  of  posting.  (3)  The  amount  of  finance  charge  is  calcu-
lated by multiplying the average daily balance for cash advances by the monthly 
periodic rate.

6. PAYMENTS. A payment delivered by regular U.S. mail must be sent to the 
address indicated on your periodic statement. Your payment by mail must be a 
check or money order in U.S. dollars with your account number on the check 
or money order and drawn on a U.S. financial institution, and be accompanied 
by the payment voucher from your statement. Write your account number on 
your check or money order. All such payments will be posted to your account 
as of the date we receive them provided we receive them before 5:00 p.m. at the 
address indicated on your periodic statement. Payments received at other loca-
tions or not conforming to these procedures may be delayed in posting, but not 
more than 5 business days from the date of receipt.

PenFed, in its sole discretion, may accept a check for payment on your Ac-
count even though payment was made before the date of the check or a check 
which has a date more than 6 months old. For the first six months all payments 
received from PenFed members who have held membership for six months or 
less will be credited to your Account as of the date we receive them, but credit 
in the amount of the payment will not be available to you for 10 calendar days. 
Payments made electronically through our automated telephone service, mem-
ber  service  representatives,  or  our  website  will  be  subject  to  any  processing 
times disclosed with those payments. 

Your minimum payment due is the greater of $15 or 2% of the new balance 
plus the past due amount, if any, and/or all amounts in excess of the authorized 
credit line/limit shown on the periodic statement. If the new balance does not 
exceed  $15,  only  the  new  balance  total  is  due  and  is  shown  as  the  minimum 
payment due. All past due or over limit amounts are due and must be fully paid 
immediately upon notification. You may, however, pay the total amount due, 
which is shown as the new balance, or you may pay any additional amount you 
wish over the minimum payment due.

If your payment is not honored or we must return it to you because it could 
not be processed, a charge may be made to your account in the amount indi-
cated for “returned payment” on Pentagon Federal’s current Schedule of Service 
Fees  brochure.  In  addition,  for  the  6  months  following  any  such  dishonored 
payment, any payments you make will be credited to your account as of the date 
we receive them, but credit in the amount of the payment will not be available 
to you for 10 calendar days.

You  understand  and  agree  that  payments  will  be  applied  first  to  the  card 
balance  bearing  the  highest  rate  of  interest,  then  to  each  successive  balance 
bearing  the  next  highest  rate  of  interest  until  the  payment  is  exhausted.  You 
understand and agree that payments will be applied in the following order: (1) 
finance charge; (2) credit life fee (if any); (3) previous balance cash advances; 
(4) previous balance purchases; (5) new cash advances; and (6) new purchases.

 7. DEFAULT. You will be in default if you fail to make any payment on time, 
if  you  exceed  the  credit  limit  established  for  the  Account,  if  you  become  in-

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solvent or file bankruptcy, if you become incompetent or die, if a judgment or 
garnishment  should  be  issued  against  any  of  your  property  including  any  of 
your Accounts with us, if we in good faith consider our or your obligations or 
your ability to repay or perform your obligations with us unsafe or insecure, if 
this Account or any other account at PenFed is maintained by you in a manner 
that PenFed, in its sole discretion, deems contrary to sound financial practice, 
or if you fail to live up to any of your other agreements with us, to include any 
PenFed policy or procedure. Subject to law, if you default on this Agreement, 
we can, without giving anyone notice, demand immediate payment of the re-
maining balance due including but not limited to any unpaid finance charges, 
late fees and any other charges due under this Agreement. You also agree our 
obligation for further credit extensions shall immediately end and we may ter-
minate your Account without further notice to you. We can do this if you make 
any false or misleading statements on your requests for an advance, if you die, 
file for bankruptcy or if any other creditor tries to seize your property. 

If collection is necessary, you agree to pay all costs of collection, including 
attorney’s fees and court costs, in an amount not more than 25 percent of the 
balance due.

8.  VARIABLE  RATES.  One  or  more  APRs  that  apply  to  your  account  may 
vary with changes to the Prime Rate, which means your rate can increase. We 
calculate the APR by adding a margin to the Prime Rate published in The Wall 
Street Journal. If The Wall Street Journal stops publishing the Prime Rate, we 
will select a similar reference rate and inform you on your billing statement or 
through a separate notice. The “Prime Rate” is the highest (U.S.) Prime Rate 
published in the Money Rates section of The Wall Street Journal. A margin 
is the percentage we add to the Prime Rate to calculate the APR. On the first 
Tuesday of the first full week of the month, we determine what the Prime Rate 
is as published in the Wall Street Journal. We then add a margin of 5.74% to 
the Prime Rate to get the APR for the following month. If the APR increases, 
you will have to pay a higher periodic finance charge and may have to make a 
higher minimum payment. 

9. PROMOTIONAL ANNUAL PERCENTAGE RATE. At our option a spe-
cial promotional rate may be offered from time to time. The specific terms 
will be provided at the time of the offer. Generally, the promotional APR 
will only apply to select transactions (i.e. purchases or balance transfers) 
during the promotional period. The APR rates for all other transactions, 
not  outlined  in  the  promotion  as  eligible  for  the  promotional  APR,  will 
remain  unchanged.  If  your  required  minimum  payment  is  not  received 
within 60 days of the due date, we may end your promotional rates, includ-
ing your promotional Balance Transfer APR, until 3 consecutive payments 
are made on time.

10.  ACCOUNT  CLOSURE.  You  or  anyone  jointly  liable  for  the  Account  may 
terminate the Account at any time by notifying us orally or in writing. How-
ever, this will not relieve you or any of the other joint owners from liability for 
the repayment of any obligations arising from the use of the Account. In ad-
dition, recurring charges from a third party vendor/merchant will be charged 
to  your  account,  even  though  you  have  requested  cancellation  from  PenFed. 
You must cancel the recurring charge with the third party vendor/merchant. 
Upon receipt of your notice, we may close your Account or suspend your ac-
count  privileges  at  any  time  without  prior  notice.  You  must  return  all  of  the 
Cards to us upon request.

11. THIRD PARTY DISCLOSURE. We may disclose information to third par-
ties about your account in order to advise third parties, such as credit reporting 
agencies or merchants of the existence or condition of your Account, to evaluate 
your current credit worthiness or as otherwise provided by law. 

all the shares needed by us to repay your credit extension or cash advance. If it 
is necessary to take all of your shares for the payment of this account, you un-
derstand your membership in PenFed may end. Collateral securing other loans 
with the credit union may also secure this loan. 

13. CARD DISHONOR. If a merchant refuses the Card, we will not have any li-
ability or responsibility. No cash refund will be made to or accepted by you with 
respect to any adjustment for goods or services purchased. All adjustments will 
be made by credit to your PenFed account by a properly executed credit voucher 
issued by the merchant.

14.  ILLEGAL  CARD  USE.  You  agree  that  illegal  use  of  your  Card  by 
cardholders(s)  will  be  deemed  an  action  of  default  and/or  breach  of  contract 
and your account and other related services may be terminated at our discre-
tion. You further agree, should illegal use occur, to waive any right to sue Pen-
Fed for such illegal use or any activity directly or indirectly related to it. You 
also agree to indemnify and hold PenFed harmless from any suits or other legal 
action or liability, directly or indirectly, resulting from such illegal use. 

15. AUTHORIZED USER. You may request us to issue a Card to an individual 
who has no financial responsibility under this Agreement. An Authorized User 
has the same access to your Account as you do, subject to any limitations we 
may impose. An Authorized User has no authority to add or delete Cardhold-
ers, request a replacement Card or terminate or modify this Agreement. You 
may terminate an Authorized User’s authority to access your Account at any 
time. To do this, you must return the Card to PenFed. You agree that you are 
responsible for all charges and cash advances made by an Authorized User, in-
cluding charges made before the Card is returned, recurring charges, or charges 
made without the use of the Card initiated by the Authorized User after termi-
nation of the Authorized User’s access.

16. LIEN. You hereby appoint PenFed as your agent under a special power of 
attorney as well as give your express consent to enable us to charge against any 
balance in any of your accounts, including accounts on which you are a joint 
owner, to include any otherwise statutorily protected funds that may not other-
wise be available by legal process, to pay any indebtedness or other outstanding 
financial obligation owed by you or any person who is listed as a joint owner 
on your accounts, including a deceased joint owner. This does not include your 
IRA or any other account for which this provision is not permitted. We may 
take  such  action  without  further  notice  to  you  or  any  joint  owner.  In  regard 
to those funds that have a statutory protection, you understand that you may 
withdraw the special power of attorney and consent for PenFed to apply such 
funds to pay any such indebtedness by notifying us in writing. If your agency 
appointment or consent is withdrawn, PenFed may in its sole discretion termi-
nate any and all services that you have with the credit union.

17. ISSUANCE/USE OF CARD. Upon receipt of the Card(s) you and all oth-
er cardholders agree that you will sign the signature panel on the back of the 
Card(s). The Card remains the property of Pentagon Federal Credit Union and 
may be revoked without notice at any time. The Card must be surrendered to 
us upon demand or revocation. If we employ an agent to obtain the Card your 
Account will be charged with any related fees. No expired, revoked or otherwise 
invalid Card shall be used to obtain or attempt to obtain credit. You will remain 
responsible to pay the amount you owe us according to the terms of this Agree-
ment.  Cancellation  of  the  Account  will  also  terminate  any  other  products  or 
services offered in conjunction with it. However, recurring charges from a third 
party vendor/merchant will be charged to your Account, even though you have 
requested  cancellation.  You  must  cancel  the  recurring  charge  with  the  third 
party merchant/vendor. 

12. To protect us if you are in default on any credit extended or cash advanced 
under this account, you pledge all of your shares, deposits, payments and divi-
dends which may be received, whether held jointly or individually, up to the 
amount of your outstanding balance. The foregoing pledge includes the right to 
apply funds available to you in any jointly held account on your date of death. 
This does not include your individual retirement account (IRA). We may take 

18.  ISSUANCE/USE  OF  CHECKS.  If  we  issue  you  checks,  these  checks  are 
treated as cash advances when they are used and presented for payment. We 
may refuse to issue or reissue and may also terminate, limit or modify the use 
of the checks without notice to you, and you agree to surrender the checks upon 
our demand or upon learning of our cancellation or withdrawal of the checks. 
Use  of  checks  or  other  methods  of  access  for  kiting  or  similar  activity  is  an 

action of default. The checks at all times remain the property of PenFed and 
we may repossess them without the use of court process. All of the terms and 
conditions of this Agreement apply to the use of the checks. Only check blanks 
and other methods authorized by PenFed now and in the future may be used to 
obtain funds from your Account. If so authorized by PenFed, your use of a per-
sonal identification number (PIN) for such purpose shall constitute your signa-
ture. Paid checks become our property and will not be returned to you. Copies 
may be provided, if requested. Should we decline to pay any check, or if you 
instruct us not to pay a check, PenFed shall not be liable, except for gross negli-
gence, for any action it takes regarding payment or nonpayment of a check. You 
will not date any check later than the date that you write it. If you do and the 
check is presented for payment before its date, PenFed, in its sole discretion may 
return it unpaid, or pay it. If we pay it, we will charge the Account. PenFed may, 
in its sole discretion, pay a check which has a date more than six months old.

19.  FOREIGN  TRANSACTIONS.  Purchases  and  cash  advances  made  in  for-
eign currencies will be debited from your account in U.S. dollars. The exchange 
rate between the transaction currency and the billing currency used for pro-
cessing international transactions is either a wholesale market rate or the gov-
ernment mandated rate in effect one day prior to the date processed by Visa.

20. CREDIT INSURANCE PLAN. Your purchase of the Credit Insurance Plan 
(“Plan”) is optional. Whether or not you purchase this protection will not affect 
your application for credit or the terms of any existing credit agreement you 
have with PenFed. If you do purchase Credit Insurance you may cancel it at any 
time by notifying us in writing. You understand that you may rescind this plan 
within 30 days after the date your Credit Insurance becomes effective. If you re-
scind, any premiums you have already paid will be credited to your account. We 
can terminate this Agreement by giving you notice at least 30 days in advance 
of  the  termination.  The  premium,  method  of  calculation  and  assessment  are 
subject to change. If these terms change we will provide written notice before 
the change goes into effect. Premiums will accrue on a daily basis and will be 
billed to your account monthly. Complete details of this optional Credit Insur-
ance are included in The Credit Insurance Plan Program Agreement which you 
will receive upon enrollment.

21.  TRAVEL  ACCIDENT  INSURANCE. We  agree  to  provide  you  with  Travel 
Accident Insurance at no direct cost to you. You, your spouse and unmarried 
dependent children will be automatically insured against accidental bodily in-
juries or death while riding in any aircraft or land or water conveyance oper-
ated  by  a  common  carrier  licensed  to  carry  passengers  for  hire  provided  the 
full travel fare(s) has been charged to your Account. Death benefits will be paid 
to the estate of the insured; all other benefits will be paid to the insured. This 
insurance is subject to cancellation without prior notice. You understand and 
agree  that  the  Certificate  of  Insurance  controls  all  insurance  terms  and  con-
ditions to the exclusion of any statements made in this Agreement regarding 
limitations, exclusions, and claims procedures.

22. ASSIGNABILITY OF ACCOUNT. You agree that PenFed may at any time 
sell, transfer or assign your account.

23. LOST/STOLEN CARD. You are responsible for the possession and use of 
the Card and must maintain the confidentiality of the PIN we may assign you. 
You will notify us at once if you believe your Card has been lost or stolen, or if 
you have reason to believe the Card is being used without your permission. You 
may notify us by calling 800-556-LOST or 402-399-3600 collect from overseas, 
or by writing to us at Card Services, Pentagon Federal Credit Union, Box 456, 
Alexandria, VA 22313-0456. 

24.  LIABILITY  FOR  UNAUTHORIZED  USE.  If  your  statement  has 
an  error  or  a  charge  you  did  not  authorize,  you  must  tell  us  in  writ-
ing  within  60  days  after  you  get  that  statement.  You  must  follow  all 
instructions  on  that  statement.  If  we  find  no  error  after 
investiga-
tion,  you  owe  us  the  original  amount  plus  applicable  interest  and  fees.  
     You are liable for all authorized use of any Card issued under the Agree-
ment regardless of the credit limit or the party using it. You agree to notify us 

immediately by calling 800-556-LOST or 402-399-3600 collect from overseas, 
or writing to us at Card Services, Pentagon Federal Credit Union, Box 456, Al-
exandria, VA 22313-0456 if you suspect unauthorized use of the Card, and to 
cooperate with us in the recovery of any amounts advanced based on unauthor-
ized use. You will not be liable for any unauthorized use of the card.

25.  STATEMENTS.  We  will  bill  you  monthly,  on  a  date  selected  by  us,  for 
amounts  due  under  this  Agreement.  If  you  elect  to  receive  your  credit  card 
statement  electronically,  you  will  receive  an  e-mail  alerting  you  when  your 
statement is ready to be viewed online. Failure to receive a monthly statement 
or  electronic  statement  notification  does  not  relieve  you  from  making  any 
required  minimum  payment.  Upon  receipt  of  each  periodic  statement,  you 
should examine it and immediately notify us in writing of any transaction you 
believe to be in error. If your Account is a joint account, we can send statements 
and notices to either of you. You agree to notify us promptly of any change in 
your name, address, or email address.

26. PAYMENT SKIP OPTION. At our option, we may provide for a payment 
skip option, which means that you may be allowed to skip making the minimum 
periodic payment for specified billing cycles. If you accept this payment skip op-
tion, we will continue to apply the finance charge as disclosed above, but no late 
payment fees will apply to the skipped payment. For the billing cycle following a 
skipped payment, all the terms and conditions of this Agreement (including min-
imum periodic payment and applicable late payment fees) will continue to apply.

27. OTHER AGREEMENTS. All the terms and conditions of any other agree-
ment between us and you and/or any other institution that is part of a network 
of automated teller machines (ATMs) in which we participate, and any appli-
cable rules and regulations, also apply to use of the Card. There may be mini-
mum and/or maximum limits on the amount of a cash advance dispensed from 
electronic  terminals  which  accept  the  Card.  All  of  the  transactions  made  by 
electronic means are subject to verification by us, and any checks or other items 
deposited for collection may be deemed to be received and any other transac-
tion may be deemed to occur on our next business day. You understand that 
transactions may be limited in some areas. 

You agree that we do not waive our rights under this Agreement if we fail to 
assert them. The Agreement binds and benefits us and our successors and as-
signs and binds you, your estate and your personal representatives. 

28. APPLICABLE LAW. This Agreement and your Card and Additional Cards, 
and all questions about their legality, enforceability and interpretation, are gov-
erned by the laws of the Commonwealth of Virginia, USA.

YOUR  BILLING  RIGHTS  (Keep  this  notice  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  to  us  at:  Card  Services,  Pentagon 
Federal Credit Union, Box 456, Alexandria, VA 22313-0456. You  may  also 
contact us on the Web via our Secure Online Message Center at: PenFed.org In 
your letter give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• 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 stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing or electronically. 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