Tell us your name and Card number.
	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.
	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 determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card or issue a replacement Card within ten (10) business days 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 Card. For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Cards, we may take up to 20 business days to credit your Card for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Notices within 60 days of the posting of the unauthorized transaction on the online transaction history. You have zero liability for an unauthorized transaction made with your Card or Card number if you notify us of the unauthorized transaction within 60 days of the posting of such transaction on the online transaction history. The 60-day period commences to run even if you do not access your transaction history online.

Notices after 60 days of the posting of the unauthorized transaction on the online transaction history. If you do not notify us within this 60-day period, you must prove to our satisfaction that the transaction was unauthorized. Use of your Card is "authorized" if it is used by you or anyone to whom you have given actual, implied, or apparent authority. You may be required to provide documentation to support your claim, including an affidavit of unauthorized use and a police report. Additionally, in evaluating your claim, we consider whether any negligence on your part contributed to the transaction in question. Some of the factors we consider in connection with this evaluation include:

	Timely reporting of lost Card - whether you reported any loss or theft of your Card to us within 48 hours of discovery of the loss or theft
	Prompt review of online transaction history - whether you promptly reviewed the online transaction history. If you do not have Internet access, you may also call us at 1-800-627-2140 for the Card's transaction history
	Prompt report of unauthorized transaction - whether, following your discovery of an unauthorized use of your Card on your transaction history, you reported the unauthorized transaction to us within 48 hours of the discovery
	Safeguarding of Card - whether you exercised reasonable care in safeguarding your Card and Card number from loss or theft
	Multiple prior incidents - whether you reported multiple incidents of unauthorized use to us within the 12-month period immediately preceding your claim, and the facts and circumstances surrounding those incidents

You may close your Card no later than 30 days after the expiration date and receive the remaining balance by contacting East West Bank Customer Service at 1-888-895-5650. You must provide us a valid Card number when requesting to close a Card. We may revoke the Card at any time without cause or notice. You must surrender a revoked Card and may not use it to make purchases. If we honor your request to close the Card or if we revoke your Card, the remaining balance (less any applicable fees) will be sent to you by check. At our discretion, the check may be made payable to and mailed to the name and address shown on our Card records or to the name and address provided by the person initiating the closure request. As we have no way of verifying if the Card has been given as a gift, we are under no obligation to verify if the person initiating the closure request is authorized to do so.