Each time you use an ATM, you will receive a transaction receipt that
will record the necessary information regarding your use of the
machine. These receipts should be kept for future reference and to
check the correctness of your periodic statement.

1100.. OOuurr  LLiiaabbiilliittyy.. We are not liable to you for any damages that
may result from our failure to make a transfer if your account has
insufficient funds; or, if your funds are subject to legal process or
other encumbrance which restricts transfer, or such transfer would
exceed an established credit limit or if the automated teller machine
where you are making the transfer does not have enough cash, or if
the system was not working properly and you knew about the break
down when you started the transfer or if circumstances beyond our
control (such as fire or flood) prevent the transfer despite reasonable
precautions we have taken.

The cards and PIN are the property of Goldenwest Credit Union

and must be returned upon request.

1111.. AAvvaaiillaabbiilliittyy  aanndd  LLiimmiittss  oonn  UUssee.. (ACH Program and Telephone
Transfer-Upon Your Request.) We may authorize debits (withdrawals)
from or credits (deposits) to any of your Credit Union accounts or 
initiate a transfer of funds from your accounts; maximum six (6) per 
calendar month.

1122.. BBuussiinneessss  DDaayy.. (Applies to all covered transactions.) For the
purpose of this agreement our business days are Monday through
Friday. Holidays are not included.

GGOOLLDDEENNWWEESSTT  FFEEDDEERRAALL  CCRREEDDIITT  UUNNIIOONN

P.O. Box 1111
Ogden, Utah 84402

Ogden Area:
801-621-4550

Toll-Free:
1-800-283-4550 or 1-800-248-6361

JOW - Rev. 1-14

b) The purchase price must have been more that $50.00.
These limitations do not apply if we own or operate the merchant,

or if we mailed you the advertisement for the property or services.

EELLEECCTTRROONNIICC  FFUUNNDDSS  TTRRAANNSSFFEERR  DDIISSCCLLOOSSUURREE
This disclosure statement and agreement is made in compliance

with Federal Law regulating EFT devices. “EFT” means Electronic
Funds Transfer and refers to electronically initiated transfers of
money from one account to another within Goldenwest Credit Union
or USU CU, a division of Goldenwest Credit Union. An access
device which can electronically initiate such a transfer is a VISA,
STAR, PLUS, American Express, Discover, MasterCard, or Co-op
CIRRUS automated teller machine with a Credit Union issued VISA
Checking or Credit card or an ATM card when used with your
Personal Identification Number (PIN). The access device for the
Home Access system can either be a touch-tone phone, on-line
branch, or mobile branch, your account and “PIN.”

11.. TTrraannssffeerrss  YYoouu  MMaayy  IInniittiiaattee..

a) You may use your access device in a Goldenwest automated
teller machine to do any of the following:  1) Transfer funds between
your share savings account and your checking account;  2) Make
payments on your main account loan or Line of Credit loan by 
transferring funds from your share savings account or your checking
account or in cash or by check;  3) Initiate a cash advance from 
your Line of Credit;  4) Withdraw funds from your share savings or
checking account.

b) You may use your access device with Home Access® phone,
On-line branch, or Mobile Branch to:  1) Transfer funds between your
share savings account, your checking account or your insured
money market fund;  2) Make payments on all the loans and Line of
Credit loans on your account by transferring funds from your share
savings account, your checking account or insured money market
fund. Transfers from the share savings account are limited to six (6)
times a month.

c) You may use your access device in another institution’s 
automated teller (see the back of your card for the ATM networks
you may use) to do the following:  1) Transfer funds between your
share savings account and your checking account;  2) Initiate cash
advances from your Line of Credit;  3) Withdraw funds from your
share savings or checking account;  4) Make deposits to your share
savings account or checking account.

The types of transfers you may initiate depend upon the type of

accounts you have with Goldenwest Credit Union or USU CU, a 
division of Goldenwest Credit Union. Automated transfers include
transactions initiated by you with your card and PIN as long as the
machine is capable of performing that transaction or with a touch
tone telephone, your access code and you “PIN” (Home Access
Phone). Automated transfers also include transactions initiated by
another person to whom you have given consent to use your card
and/or “PIN.” If you choose to withdraw this consent from another
individual, you must contact us immediately.

22.. CChhaarrggeess.. There is no transaction charge for using a Goldenwest
Credit Union or USU CU Automated Teller Machine when using a
Goldenwest Credit Union card or a USU CU card.

In the event that your account becomes overdrawn, a non-sufficient
fund charge will be assessed. Checks returned on deposits or payments
will be subject to a fee of up to $22. There will be a fee for using a
foreign (non-Goldenwest or non-USU CU) ATM.

In the future, the Credit Union, at its discretion may make additional
charges. Notification of such charges will be sent to you according to
the requirements of Federal Law regulating EFT access devices.

33.. YYoouurr  LLiiaabbiilliittyy.. You may be liable for any unauthorized transfers
of money from your share savings, checking account, insured money
market or Line of Credit account. You may protect yourself by 
prompt reporting of any loss or theft of your access devices or any
unauthorized transfers.

44..   LLiiaabbiilliittyy  DDiisscclloossuurree.. Tell us AT ONCE if you believe your card
or PIN has been lost or stolen, Telephoning is the best way of 
keeping your possible losses down. You could lose all the money 
in your account (plus your maximum overdraft line of credit). If you
believe your card or PIN has been lost or stolen, and you notify us
immediately after you learn of the loss or theft, you can keep your
loss at a minimal amount.

55.. WWhhoomm  ttoo  CCoonnttaacctt  UUppoonn  LLoossss  //  EErrrroorr  //  QQuueessttiioonnss.. If you
believe your card or PIN has been lost or stolen, or that someone
has transferred or may transfer money from your account without
your permission then contact us immediately. It would be best to 
call us at our telephone numbers: Ogden – 801-621-4550, Toll-Free
1-800-283-4550 or 1-800-248-6361, or you may write to us at
Goldenwest Credit Union, P.O. Box 1111, Ogden, Utah 84402.
Written notice of loss or theft is effective at the time you mail or 
otherwise send notice to us.

If you do NOT tell us within two business days after you learn of
the loss or theft of your card and/or PIN, and we can prove we could
have stopped someone from using your card and/or PIN without
your permission if you had told us, you could be held liable for loss
or theft.

Also, if your statement shows transfers that you did not make, 
tell us at once. If you do not tell us within 60 days after the statement
was mailed to you, you may not get back any money you lost after
the 60 days if we can prove that we could have stopped someone
from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you

from telling us, we may extend the time periods.

66.. IInn  CCaassee  ooff  EErrrroorrss  oorr  QQuueessttiioonnss  AAbboouutt  YYoouurr  EElleeccttrroonniicc  TTrraannssffeerrss..
Telephone us at 801-621-4550, or toll-free at 1-800-283-4550 or 
1-800-248-6361 or write us at P.O. Box 1111, Ogden, Utah 84402, 
as soon as you can, if you think your statement or receipt is wrong
or if you need more information about a transfer listed on the statement
or receipt. We must hear from you no later than 60 days after we
sent the FIRST statement on which the problem or error appeared.

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.
If you tell us orally, we may require that you send us your complaint

or question in writing within 10 business days. 

We will tell you the results of our investigation within 20 business

days after we hear from you and will correct any error promptly. 
If we need more time, however, to do this, we will credit your
account within 10 business days, 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.

If we decide that there was no error, we will send you a written

explanation within three business days after we finish our 
investigation. You may ask for copies of the documents that we 
used in our investigation.

77.. LLiimmiittaattiioonnss  oonn  DDoollllaarr  AAmmoouunntt  ooff  TTrraannssffeerrss.. You may withdraw
up to five hundred dollars ($500.00) from the automated teller
machines each day.

88.. DDiisscclloossuurree  ooff  IInnffoorrmmaattiioonn  AAbboouutt  YYoouu  ttoo  OOtthheerrss.. Except as
required or allowed by law, we will not disclose information regarding
your electronic funds transfers initiated by your access device.

99.. PPeerriiooddiicc  SSttaatteemmeennttss.. Your account statements will tell you the
amount and number of deposits, payments, withdrawals, transfers or
advances which have been made from your share savings account,
Checking account, insured Money Market account or Line of Credit.

10-800 A (26220, 26420, 26520, 26720, 26820)

CARDHOLDER ACCOUNT
AGREEMENT AND DISCLOSURE

This agreement covers your VISA No Rewards, VISA Rewards,

VISA Simply Platinum, VISA Simply Platinum Rebate, Platinum
(Home Equity), VISA Checking and ATM card with us. In this agreement,
the words “you” and “your” mean any user of the card or cards 
previously indicated. “We”, “our”, and “us” mean Goldenwest Federal
Credit Union. By using or allowing others the use of your account
you agree to all of the following items:
11.. GGeenneerraall.. You may use your account to buy goods and services
any place your card is honored. You may also use your account to
get a cash advance or, if you have VISA Checking, an overdraft
advance. You agree to all procedures required by us or any merchant
that honors your card, as well as all terms on your card. We will not
be liable for any loss you suffer because of any merchant refusing to
accept your card.  Any plural term used in this agreement shall be
deemed singular if context and construction so require. Any singular
term used in this agreement shall be deemed plural if context and
construction so require. A negative credit report reflecting on your
credit record may be submitted to a credit reporting agency if you fail
to fulfill the terms of this agreement.
22.. CCaarrdd  HHoollddeerr  LLiiaabbiilliittyy.. If the account is issued to you and others
as a joint account, each use of the account shall be an extension of
credit to all, and each of you shall be jointly and severally liable. If
you allow anyone else to use your account, you will be liable for all
credit extended to such person. You will be liable for all actual, implied
authorized use of your account.
33.. CChhaannggeess  iinn  AAggrreeeemmeenntt.. You agree that we may change,
according to the law, the terms of this agreement. The changes will
apply to your new purchases and advances and to your outstanding
balance. These changes may include, but are not limited to any
change in finance charge. We will mail notice of such change to you
at your address shown on our records.
44.. CChhaannggee  ooff  AAddddrreessss.
address. You may change your address by notifying the credit union
in writing or by On-line branch.
55.. VVIISSAA  CChheecckkiinngg  CCaarrdd  LLooaann  AAddvvaanncceess.. VISA purchases, checks,
and cash advances will be paid from your checking account. If your
checking account has insufficient funds on deposit, we will advance
enough money (up to your maximum credit limit) to cover these items.
66.. MMaaxxiimmuumm  CCrreeddiitt  LLiimmiitt.. From time to time we may modify the
maximum credit limit established for all extensions of credit on your
account. Your credit limit is identified on your statement. You agree to
keep the total of purchases and advances made on your account
within the limit.
77.. PPrroommiissee  ttoo  PPaayy.. You promise to pay us all amounts borrowed
under this agreement, plus any finance charge or other amounts
due, both before and after judgment. You agree to pay us on or
before the due date shown on your monthly statement. Each month
we will send you a statement showing any purchases, advances, or
credit made on your account during that billing cycle and your new
balance. Your statement will also show the required payment you
must make for that statement period.

If you move, you must give us your new

You may pay in full for all your purchases and advances each
month, or you may make the periodic minimum payment of 2.5% of
the unpaid balance or $25.00, whichever is greater. Balances under
$25.00 must be paid in full. The “Minimum Payment” due as shown
on your statement shall include the minimum payment due on your
new balance plus any amounts past due. If you exceed your credit
limit, the excess will be shown on your statement as “Amount Over
Credit Limit.” The required payment due by the due date shown on
your statement will be shown as “Required Payment Due.” For 
payment information concerning the VISA Platinum (Home Equity)
please refer to your Loanliner Home Equity disclosure.

FS# 204A 

88.. FFiinnaannccee  CChhaarrggee.

a) VISA Simply Platinum, Fixed Interest Rate (25-Day Grace
Period, Purchases only). There is no grace period in which Cash
Advances may be repaid without incurring a periodic finance charge:
The “Total Finance Charge” shown on your monthly statement 
consists of the finance charge on purchases plus the finance charge
on cash advances. The daily periodic rate range on February 1, 2014
was .026713 - .034932. The ANNUAL PERCENTAGE RATE range
on February 1, 2014 was 9.75% to 12.75%. If the entire current
VISA balance as shown on your monthly statement is paid in full by
the payment due date shown on your monthly statement, you will not
be assessed a periodic finance charge for the billing cycle ending on
the payment due date.

b) VISA Simply Platinum Rebate, Fixed Interest Rate (25-Day
Grace Period, Purchases only). There is no grace period in which
Cash Advances may be repaid without incurring a periodic finance
charge:  The “Total Finance Charge” shown on your monthly 
statement consists of the finance charge on purchases plus the
finance charge on cash advances. The daily periodic rate range on
February 1, 2014 was .034932 - .043151. The ANNUAL PERCENTAGE
RATE range on February 1, 2014 was 12.75% to 15.75%. If the
entire current VISA balance as shown on your monthly statement is
paid in full by the payment due date shown on your monthly statement,
you will not be assessed a periodic finance charge for the billing
cycle ending on the payment due date.

c) VISA No Rewards, Variable Interest Rate (25-Day Grace
Period, Purchases only). There is no grace period in which Cash
Advances may be repaid without incurring a periodic finance charge:
The “Total Finance Charge” shown on your monthly statement 
consists of the finance charge on purchases plus the finance charge
on cash advances. The daily periodic rate range on February 1, 2014
was .019150 - .027369. The ANNUAL PERCENTAGE RATE range
on February 1, 2014 was 6.99% to 9.99%. If the entire current VISA 
balance as shown on your monthly statement is paid in full by the 
payment due date shown on your monthly statement, you will not be
assessed a periodic finance charge for the billing cycle ending on
the payment due date.

d) VISA Rewards, Variable Interest Rate (25-Day Grace Period,
Purchases only). There is no grace period in which Cash Advances
may be repaid without incurring a periodic finance charge:  The
“Total Finance Charge” shown on your monthly statement consists of
the finance charge on purchases plus the finance charge on cash
advances.  The daily periodic rate range on February 1, 2014 was
.021890 - .030109.  The ANNUAL PERCENTAGE RATE range on
February 1, 2014 was 7.99% to 10.99%.  If the entire current VISA
balance as shown on your monthly statement is paid in full by the
payment due date shown on your monthly statement, you will not be
assessed a periodic finance charge for the billing cycle ending on
the payment due date.

e)  VISA Platinum (Home Equity), Variable Interest Rate. There
is no grace period in which cash advances or purchases may be repaid
without incurring a periodic finance charge:  For the variable interest
information, please refer to your LOANLINER Home Equity disclosures.

f)  VISA Checking, Fixed Interest Rate (No Grace Period).

There is no time period in which loan advances may be repaid without
incurring a periodic finance charge: The total finance charge shown
on your monthly statement consists of the periodic finance charge on
loan advanced to cover purchases, checks, and cash advances from
the day of posting. The daily periodic rate on February 1, 2014,  was
.04356%. This is an ANNUAL PERCENTAGE RATE of 15.90%. 
99.. RReebbaattee  OOppttiioonn.. The amount of the rebate is computed on the
amount of VISA card purchases made in the calendar year according
to the following breakdown:  1/4% on the portion of annual purchases
$0 to $1,000, 1/2% on the portion of annual purchases $1,001 to
$2,000, 3/4% on the portion of annual purchases $2,001 to $3,000,
1% on the portion OVER $3,000. The rebate will be decreased by
purchase credits and excludes cash advances, advances made to
pay off other loans, or any other increase of your VISA account 

balance, e.g. fees, interest charges. Rebate deposits will be made to
your savings account on an annual basis by February 28th.

1100..    EExxttrraa  AAwwaarrddss  OOppttiioonn::    Please see Extra Awards brochure or
go to our website at gwcu.org for more details.

1111.. TTrraannssaaccttiioonn  FFeeee  ffoorr  CCaasshh  AAddvvaannccee.. VISA No Rewards, VISA
Rewards, VISA Simply Platinum, and VISA Simply Platinum Rebate:
The cash advance fee is 1.50% of the amount advanced. There is
no cash advance charge for the VISA Platinum (Home Equity) and
the VISA Checking Card.

1122.. BBaallaannccee  CCoommppuuttaattiioonn  MMeetthhoodd..

a) VISA No Rewards, VISA Rewards, VISA Simply Platinum,
and VISA Simply Platinum Rebate Balance Computation Method:
Average daily balance including new purchases. For VISA Platinum
(Home Equity) please refer to your LOANLINER Home Equity
Addendum.

b) VISA Checking Balance Computation Method: The balance
used to compute the finance charge is the unpaid balance each day
after payments and credits to that balance have been subtracted and
new advances have been added.

1133.. AAnnnnuuaall  FFeeee.. There is not an annual fee for any Goldenwest
VISA or USU CU card. Goldenwest reserves the right to implement
an annual fee at any time in the future. There is a $3.00 biannual
ATM renewal card fee.

1144.. RReeppllaacceemmeenntt  CCaarrdd  CChhaarrggee.. You may be assessed a fee of up
to $5.00 the replacement of a lost or stolen card. Your account may
be assessed a fee up to $5.00 for replacement of VISA Credit, VISA
Checking or ATM card.

1155.. LLoosstt  oorr  SSttoolleenn  CCaarrddss.. You agree to promptly notify us orally or
in writing if your card is lost or stolen. You may notify us of the loss
by sending a written notice or calling us at the address or telephone
number listed on each billing statement. You may be responsible for
the unauthorized card use before we receive notice.

1166.. QQuueessttiioonnss  aanndd  BBiilllliinngg  EErrrroorrss.. Please notify us immediately if
you have any questions about your monthly statement. If you think
we have made a mistake on your statement, please refer to the 
section titled “In Case of Errors or Inquiries About Your Account”
included in this disclosure and with your monthly statement. This
tells you of your rights and methods to resolve billings errors.

1177.. RReesseeaarrcchh  CChhaarrggeess.. You may be assessed charges of $20.00
per hour and $5.00 per VISA photocopy for any research that you
request on your account, when the result of the research does 
not reveal an erroneous billing as defined by Federal Reserve
Regulation Z of the Utah Consumer Credit Code.

1188..   LLaattee  FFeeee..

VISA No Rewards, VISA Rewards, VISA Simply Platinum, and
VISA Simply Platinum Rebate:  We may assess a late fee of $18.00
if your “Minimum Payment Due” is not made by the 15th day following
your payment due date.

1199.. RReettuurrnn  CChheecckk  SSeerrvviiccee  CChhaarrggee.. A return check service charge
of up to $22.00 will be assessed against your account for each
check not honored which you send as payment for your account.
This $22.00 charge also applies to checks returned by us for 
non-sufficient funds. You realize that adding the charge will cause
the finance charge to increase.

2200.. AAuuttoommaatteedd  TTeelllleerr  MMaacchhiinnee  ((AATTMM))  CChhaarrggee.. A transaction fee
may be assessed on your account when you use your VISA or other
card to access information or make any transaction on your Credit
Union account(s) from an ATM that is not operated by us in accordance
with applicable laws.

2211.. PPlleeddggee  ooff  SShhaarreess.. Pursuant to state law, Goldenwest Credit
Union holds the authority to impress and enforce a statutory lien on
all present and future shares, savings, and/or deposits in all your

individual and joint Credit Union accounts. The Credit Union has the
right to apply all your present and future shares, savings, and/or
deposits toward the amount you owe if you are in default. The Credit
Union also maintains a contractual pledge of shares subject to your
loan account, and security agreement.

2222..   SSeeccuurriittyy  iinntteerreessttss..  TToo  sseeccuurree  yyoouurr  aaccccoouunntt,,  yyoouu  ggrraanntt  uuss  aa
ppuurrcchhaassee  mmoonneeyy  sseeccuurriittyy  iinntteerreesstt  uunnddeerr  tthhee  UUnniiffoorrmm
CCoommmmeerrcciiaall  CCooddee  iinn  aannyy  ggooooddss  yyoouu  ppuurrcchhaassee  tthhrroouugghh  yyoouurr
aaccccoouunntt..  IIff  yyoouu  ddeeffaauulltt,,  wwee  wwiillll  hhaavvee  tthhee  rriigghhtt  ttoo  rreeccoovveerr  aannyy  ooff
tthheessee  ggooooddss  wwhhiicchh  hhaavvee  nnoott  bbeeeenn  ppaaiidd  ffoorr  tthhrroouugghh  aapppplliiccaattiioonn
ooff  yyoouurr  ppaayymmeennttss  iinn  tthhee  mmaannnneerr  ddeessccrriibbeedd  iinn  sseeccttiioonn  99..  EExxcceepptt
ffoorr  RReeaall  EEssttaattee  llooaannss,,  ccoollllaatteerraall  sseeccuurriinngg  ootthheerr  llooaannss  wwiitthh  tthhee
CCrreeddiitt  UUnniioonn  sshhaallll  aallssoo  bbee  uusseedd  ttoo  sseeccuurree  tthhiiss  aaccccoouunntt..

2233.. DDeeffaauulltt.. You will be in default if any of the following occur:

1) If you fail to make the minimum payment when due under

this agreement or any other agreement you have with us..

2) If any other creditor tries by legal process to take any money

of yours that is in the Credit Union.

3) If you make any misrepresentation or misstatement in obtaining

any advance.

4) If you become insolvent, declare bankruptcy or die or we, in
good faith, believe that your ability to repay what you owe is, or will
be, impaired. When you are in default, we may declare your entire
balance due and payable at once without notice or demand.

2244.. CCoolllleeccttiioonn  EExxppeennsseess.. If you are in default under this agreement
and the credit union demands full payment, you agree to pay interest
on the unpaid balance. If the Credit Union takes legal action against
you under this agreement, you agree to pay reasonable attorney
fees and court costs. In the event judgment is taken against you, you
agree to pay interest on the judgment at the contract rate in effect at
the time of the judgment

2255.. AA  VVIISSAA  ccaarrdd  mmaayy  nnoott  bbee  uusseedd  ffoorr  aannyy  iilllleeggaall  ttrraannssaaccttiioonn..

2266.. CCaanncceelliinngg  AAggrreeeemmeenntt.. You agree that the card(s) and/or
checks you have are our property and that we may terminate this
agreement if you break any of your promises or you are in default
under this agreement. You agree to return the card(s) and/or checks
to us or we may pick them up at any time after this agreement is ter-
minated. You may end this agreement by returning the card(s)
and/or checks to us, and paying the outstanding balance on your
account in full.

2277.. OOtthheerr  PPrroovviissiioonnss.. The Credit Union can delay enforcing any of
its rights under this agreement without losing them.

2288.. MMeerrggeerr  CCllaauussee.. This written agreement contains all the 
representations between the parties and may not be contradicted 
by evidence of any oral agreement or alleged oral agreement.

2299..   FFoorreeiiggnn  TTrraannssaaccttiioonnss..  Effective April 1, 2008, the exchange
rate between the transaction currency and the billing currency used
for processing international transactions is a rate selected by Visa
from the range of rates available in wholesale currency markets for
the applicable central processing date, which rate may vary from the
rate Visa itself receives, or the government-mandated rate in effect
for the applicable central processing date, plus 1% and .8% on 
single-currency international transactions.

3300..   PPeerrssoonnaall  IIddeennttiiffiiccaattiioonn  NNuummbbeerr.. We may issue, upon your
request, a Personal Identification Number (PIN) for use with your
card.  This PIN is confidential and should not be disclosed to 
anyone.  You may use your PIN to access your account and all sums
advanced will be added to your account balance.  In the event a use
of your PIN constitutes and Electronic Funds Transfer, the terms and
conditions of your Electronic Fund Transfer Agreement may also
affect your rights.

YYOOUURR  BBIILLLLIINNGG  RRIIGGHHTTSS

IINN  CCAASSEE  OOFF  EERRRROORRSS  OORR  IINNQQUUIIRRIIEESS
AABBOOUUTT  YYOOUURR  AACCCCOOUUNNTT

Keep this notice for further use.

This notice contains important information about your rights, and

our responsibilities under the Fair Credit Billing Act.

NNoottiiffyy  UUss  iinn  CCaassee  ooff  EErrrroorrss  oorr  QQuueessttiioonnss  AAbboouutt  YYoouurr  BBiillll..

If you think your bill is wrong, or if you need more information
about a transaction on your bill, write to us (on a separate sheet) at
the address listed on your bill. 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:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe

there is an error.

If you need more information, describe the item you are not 

sure about.

If you have authorized us to pay your credit bill automatically from

your shares or checking account, you can stop the payment on any
amount you think is wrong. To stop the payment, your letter must
reach us three business days before the automatic payment is
scheduled to occur.

YYoouurr  RRiigghhttss  aanndd  OOuurr  RReessppoonnssiibbiilliittiieess  AAfftteerr  WWee  RReecceeiivvee  
YYoouurr  WWrriitttteenn  NNoottiiccee..

We must acknowledge your letter within 30 days, unless we have

corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount

you question, or report you as delinquent. We can continue to bill
you for the amount you question, including finance charges, and we
can apply any unpaid amount against your credit limit. You do not
have to pay any questioned amount while we are investigating, but
you are still obligated to pay the parts of your bill that are not in
question.

If we find that we made a mistake on your bill, you will not have
to pay any finance charges related to any questioned amount. If we
didn’t make a mistake, you may have to pay finance charges, and
you will have to make up any missed payments on the questioned
amount. In either case we will send you a statement of the amount
you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not 
satisfy you and you write to us within ten days telling us that you still
refuse to pay, we must tell anyone we report you to that you have a
question about your bill. And, we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the
matter has been settled between us when it finally is.

If we don’t follow these rules, we can’t collect the first $50.00 of

the questioned amount, even if your bill was correct.

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If you have a problem with the quality of property or services that
you purchased with a 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 property or services.

There are two limitations on this right:
a) You must have made the purchase in your home state or, 
if not within your home state within 100 miles of your current mailing
address; and