Statement Disclosure



Please examine this statement immediately.  We will assume that the balances it shows are correct unless you notify us of any disagreement within 60 days.



A daily FINANCE CHARGE will be imposed on all credit advances made under your Credit Line imposed from the date of each credit advance based on the “daily balance” method.  To get the daily balance, we take the beginning balance of your Credit Line Account each day, add any new advances and subtract any payments or credits and any unpaid FINANCE CHARGES.  This gives us the “daily balance.”


Any FINANCE CHARGE is determined by applying the “Periodic Rate” to the balance described above.  Then we add together the periodic FINANCE CHARGES for each day in the billing cycle.  This is your FINANCE CHARGE calculated by applying a periodic rate. 



If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet at the address shown on your statement as soon as possible.  We must hear from you no later than 60 days after we sent you the first statement 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:


       Information describe the item you are unsure about


You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.  While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.


SPECIAL RULE FOR CREDIT CARD PURCHASES.  If you have a problem with the quality of the goods 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 not have to pay the remaining amount due on the goods or services.  You have this protection in place only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address.  If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases are covered regardless of amount or location of purchase. 



In Case of Errors or Questions About Your Electronic Transfers, Telephone us at the number listed on the front of your statement or write us at the address in the upper left corner of the statement 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)     (1)     Tell us your name and account number (if any)

(2)     (2)     Describe the error or the transfer issue 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)     (3)     Tell us the dollar amount o 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 determine whether an error occurred within 10 business days (5 business days for check card point-of-sale transactions or 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (5 business days for Credit Card point-of-sale transactions and 20 days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  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.  Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you  already has an established account with us before this account is opened. 


We will tell you the results within three business days after completing our investigation.  If we decide that there is no error, we will send you a written explanation. 


You may ask for copies of the documents that we used in our investigation.