b'\xe2\x98\xb0\nHome\n\nRates & Calculators\n\nCash Back\n\nCredit Card Disclosures\n\nRewards\n\nFirstRate\n\nAspire\n\nAspire\nSecured\n\nAspire\nStudent\n\nSignature\n\nSECU Aspire Secured Visa\xc2\xae Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases, Balance\nTransfers, and Cash Advances\n\n11.99% when you open your account, based on your creditworthiness. After that,\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\n\nMinimum Interest Charge\n\nNone\n\nyour APR will vary with the market based on the Prime Rate.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the\nConsumer Financial Protection website of the Consumer Financial Protection Bureau\nBureau\nat: http://www.consumerfinance.gov/learnmore.\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\nUp to $15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nVariable APRs Based on Prime: If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will be equal the Prime Rate plus an additional amount. If the\nPrime Rate increases, it will cause the APR to increase. If the Prime Rate decreases it will cause the decreases it will cause the APR to decrease. For each Billing\nPeriod we use the Prime Rate published in the Wall Street Journal 7 days before the statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional\nrate that may apply. If the Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. The maximum APR will not exceed 24%.\nAPR for Purchases, Balance Transfers, and Cash Advances: It equals the prime rate plus 7.74%.\nEffect of APR Increases: If an APR Increases, interest charges increase.\nIn this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who has signed the application for the card. \xe2\x80\x9cCard\xe2\x80\x9d means the SECU Aspire Secured Visa, as the\ncase may be, and any duplicates and renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card line of Credit account with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d mean State\nEmployees Credit Union of Maryland, Incorporated (SECU).\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS\nThe following applies to members of the military and their dependents if: (a) at the time you open this Account, you are an active member of the military or you are a\ndependent of an active member of the military (as those terms are defined in the Military Lending Act, 10 U.S.C. 987 and its implementing regulations).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or Account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account).\nTo receive this notice verbally or to receive a description of your payment obligation please call 1-800-879-7328, during our normal business hours.\n2. This Account will not be secured by a consensual lien on shares or deposits in any of your deposit accounts unless you specifically agree to establish a deposit\naccount in connection with this Account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this Account. Any crosscollateralization provision contained in your credit or membership documents will not apply to this Account. However, with regard to this Account, we still reserve our\nstatutory lien rights and any resulting rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the sums in the Secured\nAccount or any other account(s) you have with us to satisfy your obligations under this Agreement.\nAny contract terms in your credit, security, or membership agreements that contradict the above with regard to this Account are hereby deleted.\n3. This Account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in this Credit Agreement and Security Agreement or in\nSECU\xe2\x80\x99s Agreements and Disclosures shall not apply to your Account.\n1. RESPONSIBILITY: If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the card and the card account. For\nexample, you are responsible for charges made by yourself, authorized users you designate, your spouse and minor children. You are also responsible for charges\nmade by anyone else to whom you give the card and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we\nwill close the account for new transactions if you so request in writing and return all cards. Your obligation to pay the account balance continues even though an\n\n\x0cagreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Each of you\nwho has applied for the account and for whom we have opened the account is individually and jointly obligated for all payments due under this agreement. You agree to\nuse the account only for personal, family, household or charitable purposes. You will not use this account for any illegal transactions. Notice to any Account owner is\nconsidered notice to all Account owners.\n2. LOST CARD NOTIFICATION: If you believe your card, convenience checks and/or Personal Identification Number (PIN) has been lost or stolen, you will\nimmediately call us at 410-487-7328 or 1- 800-879-7328. For calling outside the U.S., you may call Visa Global Customer Assistance collect at +1-303-967-1096.\n3. LIABILITY FOR UNAUTHORIZED USE: You understand that you may not be liable to SECU for any card transactions resulting from the loss, theft or other\nunauthorized use of the card that occurs prior to the time you notify SECU in accordance with Federal Law.\n4. CREDIT LINE: If we approve your application, we will establish a self-replenishing line of credit for you and notify you of its amount when we issue the card. You\nagree not to let the account balance exceed this approved credit line. Each payment you make on the account will restore your credit line by the amount of the payment\napplied to the principal. You may request an increase in the amount of your credit line by written application or oral communication to us. It must be approved by our\nloan office. By giving you written notice, we may reduce your credit line from time to time, or with good cause, revoke your card and terminate this agreement. Good\ncause includes your failure to comply with the agreement, your default on any obligation to SECU, including defaulting under other loan or deposit account terms, or our\nadverse reevaluation of your credit worthiness. You may also terminate this agreement at any time, but termination by either of us does not affect your obligation to pay\nthe account balance. The cards remain our property and you must surrender all cards and convenience checks upon our request.\n5. CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose\ninformation regarding your account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized in our bylaws.\n6. MONTHLY PAYMENT: We will mail you a statement every month showing your previous balance of purchases and cash advances, the current transactions on your\naccount, the remaining credit available under your credit line, the new balances of purchases and cash advances, the total new balance, the FINANCE CHARGE due to\ndate and the minimum payment required. Every month you must pay at least the minimum payment within 25 days of your statement closing date. You may, of course,\npay more frequently, pay more than the minimum payment required or pay the total new balance in full and you will reduce the FINANCE CHARGE by doing so. The\nminimum payment will be either: (a) 2.5% of your total new balance or $20, whichever is greater; or (b) your total new balance if it is less than $20 plus any portion of\nthe minimum payment shown on prior statements that remains unpaid. In addition, at any time your total new balance exceeds your credit line, you must immediately\npay the excess upon our demand. We will apply your payments first to balances with the highest annual percentage rate and any remaining portion to other balances in\ndescending order based on the applicable annual percentage rate. Your payments will be applied to the purchase balance first and then to the cash advance balance if\nthese 2 balances have the same annual percentage rate. However, if you pay by check, the amount of your payment may not be applied to your available credit line for\nsuch period of time as we reasonably determine is necessary to ensure that your check is honored. We may also allow you to skip a payment. If we do, we will notify\nyou in advance of this option. If you choose to skip a payment when offered, we will continue to assess FINANCE CHARGES. You agree to pay us in U.S. dollars\ndrawn on funds on deposit in the United States using a payment check, similar instrument, or automatic debit that will be processed and honored by your financial\ninstitution. We reserve the right to accept payments made in foreign currency. If we do, we will select the currency conversion rate at our discretion.\n7. IRREGULAR PAYMENTS: We reserve the right to accept late payments or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without any prejudice to our rights\nunder this agreement. If a check is presented for payment before the date you write on the check or the check is not dated, we have the right to process the check for\npayment or return it unpaid. You will hold us harmless for any action in payment or non-payment of the check.\n8. FINANCE CHARGES: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. If you do not pay the total new balance for purchases by the due date, FINANCE CHARGES will be imposed on the unpaid\npurchase balance from the first date of the last billing cycle and on new purchases from the day they are posted to your account. For cash advances and balance\ntransfers, FINANCE CHARGES will begin to accrue from the date of the transaction and continue to accrue until payment in full is credited to your account. We figure\nthe FINANCE CHARGE on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account (including current transactions). The daily period\nrate for your Purchase, Balance Transfer and Cash Advance APR is (APR/365).\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases we take the beginning balance of your account each day, add any new purchases, and subtract any payments or\ncredits, and unpaid finance charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the daily balance for cash advances, new cash advances are added to the day\xe2\x80\x99s beginning\nbalance and payments and credits are subtracted. Fees are not included in the calculation of the average daily balance. FINANCE CHARGES will continue to accrue\non your account until what you owe under this Agreement is paid in full.\n9. THE CONDITIONS UNDER WHICH ANY OTHER CHARGES MAY BE IMPOSED: These charges will be added to your purchase balance.\na. DISHONORED CHECK \xe2\x80\x93 A fee of up to $15.00 may be imposed if payment is made with a check that is dishonored on the second presentment.\nb. ADDITIONAL CARDS \xe2\x80\x93 We will issue up to four (4) cards at no cost. Rush requests are $25.00 per request.\n10. DEFAULT: You will be in default if you fail to make a minimum payment within 25 days after your monthly statement closing date. You will be in default if you default\non any obligation to SECU, including defaulting under other loan or deposit account terms. You will be in default if you break any promise you made or any security\nagreement made in connection with an advance. You will be in default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when\nthey become due. You will be in default if you make any false or misleading statements in any credit application or update of credit information. You will also be in\ndefault if something happens that we believe may substantially reduce your ability to repay what you owe. When you are in default we can demand immediate payment\nof the entire amount you owe without giving you advance notice. You will also be required to pay our collection expenses, including court costs and an additional sum\nequal to 20% of the aggregate of the principal and interest due if your account is referred to an attorney at law or collection agency for collection. You authorize us to\nsubmit payroll deduction requests, when available, from your wages, salary or pension to the State of Maryland or other employer agency for any amounts in default\nwithout additional authorization.\n11. DELAY IN ENFORCEMENT: We can delay enforcing any right under this agreement without losing that right or any other right.\n12. SEVERABILITY: If any provision of this agreement is held invalid, all provisions that are severable from the invalid provision remain in effect.\n13. ACCESSING THE ACCOUNT: To make a purchase or cash advance there are three alternatives. (a.) Present the card to a participating VISA\xc2\xae plan merchant, to\nus or to another financial institution. Then sign the sales or cash advance draft that has been imprinted or swiped with your card information. (b.) Complete the\ntransaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal\nthat provides access to the VISA system. (c.) Issue a convenience check for the payment of goods, services or cash. You will retain the copy of such slips furnished at\nthe time of the transaction to verify the monthly statement. SECU may charge a reasonable fee for photocopies of slips you request.\n14. CARD RENEWAL: Cards are issued with an expiration date. We have the right not to renew your card for any reason.\n15. RETURNS AND ADJUSTMENTS: Merchants and others who honor the card may give credit for returns or adjustments and they will do so by sending us a credit\nwhich we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash\nadvances, or if $1.00 or more, refund it on your written request or automatically after 6 months.\n16. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange\nrate for transactions in foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.\n17. PLAN MERCHANT DISPUTES: We are not responsible for the refusal of any plan merchant or financial institution to honor your card. We are subject to claims and\ndefenses (other than tort claims) as set forth herein under, \xe2\x80\x9cSpecial Rules for Credit Card Purchases.\xe2\x80\x9d You must resolve any other disputes directly with the plan\nmerchant. We may limit the dollar amount and/or the number of transactions which may be approved in one day. If we detect unusual or suspicious activity on your\naccount, we may temporarily suspend your credit privileges until we can verify the activity. We may approve transactions which cause the balance to exceed your credit\nline without waiving any of our rights to this Agreement.\n18. SECURITY INTEREST: Except for real estate loans, collateral securing other loans with SECU may also be used to secure this VISA account. If you have any other\nloans from SECU, or take out other loans with SECU in the future, collateral securing those other loans will also secure the obligations under this Agreement. However,\nunless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this Agreement even if SECU has or later acquires a\nsecurity interest in the household goods or a mortgage on the dwelling. You have given a Consensual Security Interest incorporated by reference herein, in your SECU\nSavings or Money Manager account, as security for any advances to you or on your behalf on any SECU VISA Credit Card, excepting those accounts that have an\nadverse tax consequence.\n19. CASH ADVANCES: Cash advances can be obtained through an ATM, convenience checks, SECU branches and other financial institutions. Upon your written\ndirection or through SECU\xe2\x80\x99s website, cash advances may be made against your VISA account and applied to any of your SECU share accounts, or other accounts in\nthe same manner as if the cash advances were paid to you. Deposit of the cash advance to any of your SECU accounts obligates you to the repayment of the cash\nadvance per this Agreement.\n20. BALANCE TRANSFER(S): Balance Transfers are treated as a cash advance. Finance charges for balance transfers will begin to accrue from date of the\ntransaction and continue to accrue until payment in full is credited to your account. Total value of transfer request(s) cannot exceed credit line and/or credit availability\nwhichever is less. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least 2 weeks from request date for processing of the\nbalance transfer. Continue paying each creditor until the transfer appears as a credit. It will take at least 17 days from account opening to initiate your balance transfer\nrequest. Within this 17 day time period, you may cancel your balance transfer by calling us at 800-879-7328. Do not transfer any disputed purchase or charge because\nyou may lose dispute rights.\n21. EFFECT OF AGREEMENT: This agreement is the contract that applies to all transactions on your account even though the sales, cash advances, credit or other\nslips you sign or receive may contain different terms. We may amend this agreement from time to time by sending you the advance written notice required by Federal\nand State law. Your use of the card after the effective date of the amendment will indicate your agreement to the amendment.\n22. GOVERNING LAW: This agreement is governed by the Annotated Code of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of Maryland,\nCommercial Law Article, Title 12, Subtitle 9 and applicable federal law or regulation.\n23. VISA STATEMENTS AND NOTICES: On a regular basis, you will receive a statement showing all transactions for this account during the period covered by the\nstatement. Statements and notices will be mailed to you at the most recent address you have given SECU in writing. Notice to any one of you will be notice to all.\n24. UPDATING INFORMATION: You promise that you will promptly give us written notice if you move, change your name or employment, or if any other information\nyou provide to us changes. You also agree to provide SECU with updated financial information about yourself upon request.\n25. COPY RECEIVED: By signing, using or accepting the SECU VISA card, you acknowledge receipt of this Agreement and agree to terms herein.\n26. STOP PAYMENT: If before a Balance Transfer or Convenience Check drawn on your Account has been honored, you notify us not to pay it, we will stop payment\non the check. You must send us a written and signed stop payment order which states the number, payee, amount, and date of the check on which payment is to be\nstopped. We may disregard any such order six months after our receipt unless you renew it in writing.\n27. CLOSING YOUR ACCOUNT: You can cancel or close your Account by writing to us at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Your notice becomes\neffective within five days after we receive it. If you cancel your Account, you must pay everything you owe us, including any amounts owed but not yet billed to you if\nyou wish to avoid paying a FINANCE CHARGE on the outstanding balance. If you do not pay us immediately, outstanding balances will continue to accrue FINANCE\n\n\x0cCHARGES and other charges and be subject to the terms and conditions of this Agreement. You also agree to return your card(s) and any unused Transfer and/or\nConvenience Checks to us.\nYOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and responsibilities under the Fair\nCredit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your VISA statement is wrong, or if you need more information about a\ntransaction on your statement, write us on a separate sheet at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Write to us as soon as possible. We must hear from\nyou no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us at 410-487-7328 (Baltimore Metro Area)\nor (Toll Free) 1-800-879-7328, but doing so will not preserve your rights. In your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item in question.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we\ncannot try to collect any amount you question and we cannot report you as delinquent. We can continue to send statements to you for the amount you question,\nincluding FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not\nhave to pay any FINANCE CHARGES related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you have to pay FINANCE CHARGES, and you will have to\nmake 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\npay 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 (10) days telling\nus that you still refuse to pay, we must tell anyone we report you to that you have a question about your account. We must tell you the name of anyone we reported you\nto, and we must tell anyone we reported you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50\nof the questioned amount, even if your statement was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES: If you have a problem with the quality of property or services that you purchased with your credit card, and you\nhave 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\nlimitations on this right:\na. 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\nb. The purchase must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.\nBUSINESS DAYS/HOURS: Business days are Monday through Friday from 8:00 a.m. to 6:00 p.m. and Saturday from 9:00 am to 1:00 pm.\nTYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS: You may use your card to:\na. Pay for purchases at places that agreed to accept the card.\nb. Obtain cash advances from our ATMs or at any ATM displaying the VISA logo in conjunction with your PIN.\nc. Obtain cash advances from any financial institution that has agreed to accept the card. There is no limitation on the frequency of cash withdrawals you may make\nfrom our ATMs except that:\n1. You may not make any cash withdrawals that would result in an outstanding account balance in excess of your credit limit; and\n2. You may only make a total of $1,000 in cash advance withdrawals per day with a minimum of $10.00. The withdrawal limit may change without any prior notice.\nCIRCUMSTANCES IN WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: We will disclose information to third parties about your account\nor transfers that you make:\na. When it is necessary for completing transfers, or\nb. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or\nd. To comply with government agency or court orders, or\nc. If you give us your written permission.\nYOUR RIGHTS TO RECEIVE DOCUMENTATION OF TRANSACTIONS\na. You can get a receipt at the time you make any cash advance using one of our automated teller machines.\nb. You will get a monthly account statement unless there are no transactions in that particular month and your balance is zero.\nc. You may also receive a statement if there is an amendment to terms.\n\nCONNECT WITH US\n\nCONTACT US\n\n+\n\nBANKING\n\n+\n\nABOUT US\n\n+\n\nBUSINESS\n\n+\n\nRESOURCES\n\n+\n\nBORROWING\n\n+\n\nCOMMUNITY\n\n+\n\nRouting\nNumber: 255076753\nPO Box 23896\nBaltimore, MD 21298\n\nEQUAL HOUSING OPPORTUNITY\nFEDERALLY INSURED BY NCUA\n\nYour savings federally insured to at least $250,000 and backed\nby the full faith and credit of the United States Government.\nNational Credit Union Administration, a U.S. Government Agency\n\xc2\xa9 2017 SECU. All Rights Reserved.\n\n\x0c'


b'\xe2\x98\xb0\nHome\n\nRates & Calculators\n\nCash Back\n\nCredit Card Disclosures\n\nRewards\n\nFirstRate\n\nAspire\n\nAspire\nSecured\n\nAspire\nStudent\n\nSignature\n\nSECU Aspire Student Visa\xc2\xae Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases, Balance\nTransfers, and Cash Advances\n\n14.99% when you open your account, based on your creditworthiness. After that,\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\n\nMinimum Interest Charge\n\nNone\n\nyour APR will vary with the market based on the Prime Rate.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the\nConsumer Financial Protection website of the Consumer Financial Protection Bureau\nBureau\nat: http://www.consumerfinance.gov/learnmore.\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nUp to $15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nVariable APRs Based on Prime: If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will be equal the Prime Rate plus an additional amount. If the\nPrime Rate increases, it will cause the APR to increase. If the Prime Rate decreases it will cause the decreases it will cause the APR to decrease. For each Billing\nPeriod we use the Prime Rate published in the Wall Street Journal 7 days before the statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional\nrate that may apply. If the Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. The maximum APR will not exceed 24%.\nAPR for Purchases, Balance Transfers, and Cash Advances: It equals the prime rate plus 10.74%.\nEffect of APR Increases: If an APR Increases, interest charges increase.\nIn this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who has signed the application for the card. \xe2\x80\x9cCard\xe2\x80\x9d means the SECU Aspire Student Visa, as the case\nmay be, and any duplicates and renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card line of Credit account with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d mean State\nEmployees Credit Union of Maryland, Incorporated (SECU).\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS\nThe following applies to members of the military and their dependents if: (a) at the time you open this Account, you are an active member of the military or you are a\ndependent of an active member of the military (as those terms are defined in the Military Lending Act, 10 U.S.C. 987 and its implementing regulations).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or Account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account).\nTo receive this notice verbally or to receive a description of your payment obligation please call 1-800-879-7328, during our normal business hours.\n2. This Account will not be secured by a consensual lien on shares or deposits in any of your deposit accounts unless you specifically agree to establish a deposit\naccount in connection with this Account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this Account. Any crosscollateralization provision contained in your credit or membership documents will not apply to this Account. However, with regard to this Account, we still reserve our\nstatutory lien rights and any resulting rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the sums in the Secured\nAccount or any other account(s) you have with us to satisfy your obligations under this Agreement.\nAny contract terms in your credit, security, or membership agreements that contradict the above with regard to this Account are hereby deleted.\n3. This Account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in this Credit Agreement and Security Agreement or in\nSECU\xe2\x80\x99s Agreements and Disclosures shall not apply to your Account.\n1. RESPONSIBILITY: If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the card and the card account. For\nexample, you are responsible for charges made by yourself, authorized users you designate, your spouse and minor children. You are also responsible for charges\nmade by anyone else to whom you give the card and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we\nwill close the account for new transactions if you so request in writing and return all cards. Your obligation to pay the account balance continues even though an\n\n\x0cagreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Each of you\nwho has applied for the account and for whom we have opened the account is individually and jointly obligated for all payments due under this agreement. You agree to\nuse the account only for personal, family, household or charitable purposes. You will not use this account for any illegal transactions. Notice to any Account owner is\nconsidered notice to all Account owners.\n2. LOST CARD NOTIFICATION: If you believe your card, convenience checks and/or Personal Identification Number (PIN) has been lost or stolen, you will\nimmediately call us at 410-487-7328 or 1- 800-879-7328. For calling outside the U.S., you may call Visa Global Customer Assistance collect at +1-303-967-1096.\n3. LIABILITY FOR UNAUTHORIZED USE: You understand that you may not be liable to SECU for any card transactions resulting from the loss, theft or other\nunauthorized use of the card that occurs prior to the time you notify SECU in accordance with Federal Law.\n4. CREDIT LINE: If we approve your application, we will establish a self-replenishing line of credit for you and notify you of its amount when we issue the card. You\nagree not to let the account balance exceed this approved credit line. Each payment you make on the account will restore your credit line by the amount of the payment\napplied to the principal. You may request an increase in the amount of your credit line by written application or oral communication to us. It must be approved by our\nloan office. By giving you written notice, we may reduce your credit line from time to time, or with good cause, revoke your card and terminate this agreement. Good\ncause includes your failure to comply with the agreement, your default on any obligation to SECU, including defaulting under other loan or deposit account terms, or our\nadverse reevaluation of your credit worthiness. You may also terminate this agreement at any time, but termination by either of us does not affect your obligation to pay\nthe account balance. The cards remain our property and you must surrender all cards and convenience checks upon our request.\n5. CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose\ninformation regarding your account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized in our bylaws.\n6. MONTHLY PAYMENT: We will mail you a statement every month showing your previous balance of purchases and cash advances, the current transactions on your\naccount, the remaining credit available under your credit line, the new balances of purchases and cash advances, the total new balance, the FINANCE CHARGE due to\ndate and the minimum payment required. Every month you must pay at least the minimum payment within 25 days of your statement closing date. You may, of course,\npay more frequently, pay more than the minimum payment required or pay the total new balance in full and you will reduce the FINANCE CHARGE by doing so. The\nminimum payment will be either: (a) 2.5% of your total new balance or $20, whichever is greater; or (b) your total new balance if it is less than $20 plus any portion of\nthe minimum payment shown on prior statements that remains unpaid. In addition, at any time your total new balance exceeds your credit line, you must immediately\npay the excess upon our demand. We will apply your payments first to balances with the highest annual percentage rate and any remaining portion to other balances in\ndescending order based on the applicable annual percentage rate. Your payments will be applied to the purchase balance first and then to the cash advance balance if\nthese 2 balances have the same annual percentage rate. However, if you pay by check, the amount of your payment may not be applied to your available credit line for\nsuch period of time as we reasonably determine is necessary to ensure that your check is honored. We may also allow you to skip a payment. If we do, we will notify\nyou in advance of this option. If you choose to skip a payment when offered, we will continue to assess FINANCE CHARGES. You agree to pay us in U.S. dollars\ndrawn on funds on deposit in the United States using a payment check, similar instrument, or automatic debit that will be processed and honored by your financial\ninstitution. We reserve the right to accept payments made in foreign currency. If we do, we will select the currency conversion rate at our discretion.\n7. IRREGULAR PAYMENTS: We reserve the right to accept late payments or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without any prejudice to our rights\nunder this agreement. If a check is presented for payment before the date you write on the check or the check is not dated, we have the right to process the check for\npayment or return it unpaid. You will hold us harmless for any action in payment or non-payment of the check.\n8. FINANCE CHARGES: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. If you do not pay the total new balance for purchases by the due date, FINANCE CHARGES will be imposed on the unpaid\npurchase balance from the first date of the last billing cycle and on new purchases from the day they are posted to your account. For cash advances and balance\ntransfers, FINANCE CHARGES will begin to accrue from the date of the transaction and continue to accrue until payment in full is credited to your account. We figure\nthe FINANCE CHARGE on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account (including current transactions). The daily period\nrate for your Purchase, Balance Transfer and Cash Advance APR is (APR/365).\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases we take the beginning balance of your account each day, add any new purchases, and subtract any payments or\ncredits, and unpaid finance charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the daily balance for cash advances, new cash advances are added to the day\xe2\x80\x99s beginning\nbalance and payments and credits are subtracted. Fees are not included in the calculation of the average daily balance. FINANCE CHARGES will continue to accrue\non your account until what you owe under this Agreement is paid in full.\n9. LATE CHARGES: In addition to the continued accrual of the FINANCE CHARGE at the daily periodic rate, if you fail to pay at least the minimum payment within 15\ndays after it is due, we may assess a late charge of up to $25 for each delinquent payment.\n10. THE CONDITIONS UNDER WHICH ANY OTHER CHARGES MAY BE IMPOSED: These charges will be added to your purchase balance.\na. DISHONORED CHECK \xe2\x80\x93 A fee of up to $15.00 may be imposed if payment is made with a check that is dishonored on the second presentment.\nb. ADDITIONAL CARDS \xe2\x80\x93 We will issue up to four (4) cards at no cost. Rush requests are $25.00 per request.\n11. DEFAULT: You will be in default if you fail to make a minimum payment within 25 days after your monthly statement closing date. You will be in default if you default\non any obligation to SECU, including defaulting under other loan or deposit account terms. You will be in default if you break any promise you made or any security\nagreement made in connection with an advance. You will be in default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when\nthey become due. You will be in default if you make any false or misleading statements in any credit application or update of credit information. You will also be in\ndefault if something happens that we believe may substantially reduce your ability to repay what you owe. When you are in default we can demand immediate payment\nof the entire amount you owe without giving you advance notice. You will also be required to pay our collection expenses, including court costs and an additional sum\nequal to 20% of the aggregate of the principal and interest due if your account is referred to an attorney at law or collection agency for collection. You authorize us to\nsubmit payroll deduction requests, when available, from your wages, salary or pension to the State of Maryland or other employer agency for any amounts in default\nwithout additional authorization.\n12. DELAY IN ENFORCEMENT: We can delay enforcing any right under this agreement without losing that right or any other right.\n13. SEVERABILITY: If any provision of this agreement is held invalid, all provisions that are severable from the invalid provision remain in effect.\n14. ACCESSING THE ACCOUNT: To make a purchase or cash advance there are three alternatives. (a.) Present the card to a participating VISA\xc2\xae plan merchant, to\nus or to another financial institution. Then sign the sales or cash advance draft that has been imprinted or swiped with your card information. (b.) Complete the\ntransaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal\nthat provides access to the VISA system. (c.) Issue a convenience check for the payment of goods, services or cash. You will retain the copy of such slips furnished at\nthe time of the transaction to verify the monthly statement. SECU may charge a reasonable fee for photocopies of slips you request.\n15. CARD RENEWAL: Cards are issued with an expiration date. We have the right not to renew your card for any reason.\n16. RETURNS AND ADJUSTMENTS: Merchants and others who honor the card may give credit for returns or adjustments and they will do so by sending us a credit\nwhich we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash\nadvances, or if $1.00 or more, refund it on your written request or automatically after 6 months.\n17. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange\nrate for transactions in foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.\n18. PLAN MERCHANT DISPUTES: We are not responsible for the refusal of any plan merchant or financial institution to honor your card. We are subject to claims and\ndefenses (other than tort claims) as set forth herein under, \xe2\x80\x9cSpecial Rules for Credit Card Purchases.\xe2\x80\x9d You must resolve any other disputes directly with the plan\nmerchant. We may limit the dollar amount and/or the number of transactions which may be approved in one day. If we detect unusual or suspicious activity on your\naccount, we may temporarily suspend your credit privileges until we can verify the activity. We may approve transactions which cause the balance to exceed your credit\nline without waiving any of our rights to this Agreement.\n19. SECURITY INTEREST: Except for real estate loans, collateral securing other loans with SECU may also be used to secure this VISA account. If you have any other\nloans from SECU, or take out other loans with SECU in the future, collateral securing those other loans will also secure the obligations under this Agreement. However,\nunless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this Agreement even if SECU has or later acquires a\nsecurity interest in the household goods or a mortgage on the dwelling. You have given a Consensual Security Interest incorporated by reference herein, in your SECU\nSavings or Money Manager account, as security for any advances to you or on your behalf on any SECU VISA Credit Card, excepting those accounts that have an\nadverse tax consequence.\n20. CASH ADVANCES: Cash advances can be obtained through an ATM, convenience checks, SECU branches and other financial institutions. Upon your written\ndirection or through SECU\xe2\x80\x99s website, cash advances may be made against your VISA account and applied to any of your SECU share accounts, or other accounts in\nthe same manner as if the cash advances were paid to you. Deposit of the cash advance to any of your SECU accounts obligates you to the repayment of the cash\nadvance per this Agreement.\n21. BALANCE TRANSFER(S): Balance Transfers are treated as a cash advance. Finance charges for balance transfers will begin to accrue from date of the\ntransaction and continue to accrue until payment in full is credited to your account. Total value of transfer request(s) cannot exceed credit line and/or credit availability\nwhichever is less. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least 2 weeks from request date for processing of the\nbalance transfer. Continue paying each creditor until the transfer appears as a credit. It will take at least 17 days from account opening to initiate your balance transfer\nrequest. Within this 17 day time period, you may cancel your balance transfer by calling us at 800-879-7328. Do not transfer any disputed purchase or charge because\nyou may lose dispute rights.\n22. EFFECT OF AGREEMENT: This agreement is the contract that applies to all transactions on your account even though the sales, cash advances, credit or other\nslips you sign or receive may contain different terms. We may amend this agreement from time to time by sending you the advance written notice required by Federal\nand State law. Your use of the card after the effective date of the amendment will indicate your agreement to the amendment.\n23. GOVERNING LAW: This agreement is governed by the Annotated Code of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of Maryland,\nCommercial Law Article, Title 12, Subtitle 9 and applicable federal law or regulation.\n24. VISA STATEMENTS AND NOTICES: On a regular basis, you will receive a statement showing all transactions for this account during the period covered by the\nstatement. Statements and notices will be mailed to you at the most recent address you have given SECU in writing. Notice to any one of you will be notice to all.\n25. UPDATING INFORMATION: You promise that you will promptly give us written notice if you move, change your name or employment, or if any other information\nyou provide to us changes. You also agree to provide SECU with updated financial information about yourself upon request.\n26. COPY RECEIVED: By signing, using or accepting the SECU VISA card, you acknowledge receipt of this Agreement and agree to terms herein.\n27. STOP PAYMENT: If before a Balance Transfer or Convenience Check drawn on your Account has been honored, you notify us not to pay it, we will stop payment\non the check. You must send us a written and signed stop payment order which states the number, payee, amount, and date of the check on which payment is to be\nstopped. We may disregard any such order six months after our receipt unless you renew it in writing.\n28. CLOSING YOUR ACCOUNT: You can cancel or close your Account by writing to us at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Your notice becomes\n\n\x0ceffective within five days after we receive it. If you cancel your Account, you must pay everything you owe us, including any amounts owed but not yet billed to you if\nyou wish to avoid paying a FINANCE CHARGE on the outstanding balance. If you do not pay us immediately, outstanding balances will continue to accrue FINANCE\nCHARGES and other charges and be subject to the terms and conditions of this Agreement. You also agree to return your card(s) and any unused Transfer and/or\nConvenience Checks to us.\nYOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and responsibilities under the Fair\nCredit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your VISA statement is wrong, or if you need more information about a\ntransaction on your statement, write us on a separate sheet at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Write to us as soon as possible. We must hear from\nyou no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us at 410-487-7328 (Baltimore Metro Area)\nor (Toll Free) 1-800-879-7328, but doing so will not preserve your rights. In your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item in question.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we\ncannot try to collect any amount you question and we cannot report you as delinquent. We can continue to send statements to you for the amount you question,\nincluding FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not\nhave to pay any FINANCE CHARGES related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you have to pay FINANCE CHARGES, and you will have to\nmake 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\npay 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 (10) days telling\nus that you still refuse to pay, we must tell anyone we report you to that you have a question about your account. We must tell you the name of anyone we reported you\nto, and we must tell anyone we reported you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50\nof the questioned amount, even if your statement was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES: If you have a problem with the quality of property or services that you purchased with your credit card, and you\nhave 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\nlimitations on this right:\na. 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\nb. The purchase must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.\nBUSINESS DAYS/HOURS: Business days are Monday through Friday from 8:00 a.m. to 6:00 p.m. and Saturday from 9:00 am to 1:00 pm.\nTYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS: You may use your card to:\na. Pay for purchases at places that agreed to accept the card.\nb. Obtain cash advances from our ATMs or at any ATM displaying the VISA logo in conjunction with your PIN.\nc. Obtain cash advances from any financial institution that has agreed to accept the card. There is no limitation on the frequency of cash withdrawals you may make\nfrom our ATMs except that:\n1. You may not make any cash withdrawals that would result in an outstanding account balance in excess of your credit limit; and\n2. You may only make a total of $1,000 in cash advance withdrawals per day with a minimum of $10.00. The withdrawal limit may change without any prior notice.\nCIRCUMSTANCES IN WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: We will disclose information to third parties about your account\nor transfers that you make:\na. When it is necessary for completing transfers, or\nb. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or\nd. To comply with government agency or court orders, or\nc. If you give us your written permission.\nYOUR RIGHTS TO RECEIVE DOCUMENTATION OF TRANSACTIONS\na. You can get a receipt at the time you make any cash advance using one of our automated teller machines.\nb. You will get a monthly account statement unless there are no transactions in that particular month and your balance is zero.\nc. You may also receive a statement if there is an amendment to terms.\n\nCONNECT WITH US\n\nCONTACT US\n\n+\n\nBANKING\n\n+\n\nABOUT US\n\n+\n\nBUSINESS\n\n+\n\nRESOURCES\n\n+\n\nBORROWING\n\n+\n\nCOMMUNITY\n\n+\n\nRouting\nNumber: 255076753\nPO Box 23896\nBaltimore, MD 21298\n\nEQUAL HOUSING OPPORTUNITY\nFEDERALLY INSURED BY NCUA\n\nYour savings federally insured to at least $250,000 and backed\nby the full faith and credit of the United States Government.\nNational Credit Union Administration, a U.S. Government Agency\n\xc2\xa9 2017 SECU. All Rights Reserved.\n\n\x0c'


b'\xe2\x98\xb0\nHome\n\nRates & Calculators\n\nCash Back\n\nCredit Card Disclosures\n\nRewards\n\nFirstRate\n\nAspire\n\nAspire\nSecured\n\nAspire\nStudent\n\nSignature\n\nSECU FirstRate Visa\xc2\xae Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases, balance\nTransfers, and Cash Advances\n\n9.99% to 17.99% when you open your account, based on your creditworthiness.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\n\nMinimum Interest Charge\n\nNone\n\nAfter that, your APR will vary with the market based on the Prime Rate.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit card, visit the\nConsumer Financial Protection website of the Consumer Financial Protection Bureau\nBureau\nat: http://www.consumerfinance.gov/learnmore.\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25\nUp to $15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nVariable APRs Based on Prime: If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will be equal the Prime Rate plus an additional amount. If the\nPrime Rate increases, it will cause the APR to increase. If the Prime Rate decreases it will cause the decreases it will cause the APR to decrease. For each Billing\nPeriod we use the Prime Rate published in the Wall Street Journal 7 days before the statement Closing Date. If the Prime Rate causes an APR to change, we put the\nnew APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional\nrate that may apply. If the Wall Street Journal does not publish the Prime Rate, we will use a similar published rate. The maximum APR will not exceed 24%.\nAPR for Purchases, Balance Transfers, and Cash Advances: It equals the prime rate plus 5.74%; plus 6.74%; plus 8.74%; plus 11.74%; or plus 13.74% depending\non your credit worthiness.\nEffect of APR Increases: If an APR Increases, interest charges increase.\nIn this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who has signed the application for the card. \xe2\x80\x9cCard\xe2\x80\x9d means the SECU FirstRate Visa, as the case may\nbe, and any duplicates and renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Credit Card line of Credit account with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d mean State Employees\nCredit Union of Maryland, Incorporated (SECU).\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS\nThe following applies to members of the military and their dependents if: (a) at the time you open this Account, you are an active member of the military or you are a\ndependent of an active member of the military (as those terms are defined in the Military Lending Act, 10 U.S.C. 987 and its implementing regulations).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or Account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any\nparticipation fee charged (other than certain participation fees for a credit card account).\nTo receive this notice verbally or to receive a description of your payment obligation please call 1-800-879-7328, during our normal business hours.\n2. This Account will not be secured by a consensual lien on shares or deposits in any of your deposit accounts unless you specifically agree to establish a deposit\naccount in connection with this Account (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this Account. Any crosscollateralization provision contained in your credit or membership documents will not apply to this Account. However, with regard to this Account, we still reserve our\nstatutory lien rights and any resulting rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the sums in the Secured\nAccount or any other account(s) you have with us to satisfy your obligations under this Agreement.\nAny contract terms in your credit, security, or membership agreements that contradict the above with regard to this Account are hereby deleted.\n3. This Account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in this Credit Agreement and Security Agreement or in\nSECU\xe2\x80\x99s Agreements and Disclosures shall not apply to your Account.\n1. RESPONSIBILITY: If we issue you a card, you agree to repay all debts and the FINANCE CHARGE arising from the use of the card and the card account. For\nexample, you are responsible for charges made by yourself, authorized users you designate, your spouse and minor children. You are also responsible for charges\nmade by anyone else to whom you give the card and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we\n\n\x0cwill close the account for new transactions if you so request in writing and return all cards. Your obligation to pay the account balance continues even though an\nagreement, divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Each of you\nwho has applied for the account and for whom we have opened the account is individually and jointly obligated for all payments due under this agreement. You agree to\nuse the account only for personal, family, household or charitable purposes. You will not use this account for any illegal transactions. Notice to any Account owner is\nconsidered notice to all Account owners.\n2. LOST CARD NOTIFICATION: If you believe your card, convenience checks and/or Personal Identification Number (PIN) has been lost or stolen, you will\nimmediately call us at 410-487-7328 or 1- 800-879-7328. For calling outside the U.S., you may call Visa Global Customer Assistance collect at +1-303-967-1096.\n3. LIABILITY FOR UNAUTHORIZED USE: You understand that you may not be liable to SECU for any card transactions resulting from the loss, theft or other\nunauthorized use of the card that occurs prior to the time you notify SECU in accordance with Federal Law.\n4. CREDIT LINE: If we approve your application, we will establish a self-replenishing line of credit for you and notify you of its amount when we issue the card. You\nagree not to let the account balance exceed this approved credit line. Each payment you make on the account will restore your credit line by the amount of the payment\napplied to the principal. You may request an increase in the amount of your credit line by written application or oral communication to us. It must be approved by our\nloan office. By giving you written notice, we may reduce your credit line from time to time, or with good cause, revoke your card and terminate this agreement. Good\ncause includes your failure to comply with the agreement, your default on any obligation to SECU, including defaulting under other loan or deposit account terms, or our\nadverse reevaluation of your credit worthiness. You may also terminate this agreement at any time, but termination by either of us does not affect your obligation to pay\nthe account balance. The cards remain our property and you must surrender all cards and convenience checks upon our request.\n5. CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose\ninformation regarding your account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized in our bylaws.\n6. MONTHLY PAYMENT: We will mail you a statement every month showing your previous balance of purchases and cash advances, the current transactions on your\naccount, the remaining credit available under your credit line, the new balances of purchases and cash advances, the total new balance, the FINANCE CHARGE due to\ndate and the minimum payment required. Every month you must pay at least the minimum payment within 25 days of your statement closing date. You may, of course,\npay more frequently, pay more than the minimum payment required or pay the total new balance in full and you will reduce the FINANCE CHARGE by doing so. The\nminimum payment will be either: (a) 2.5% of your total new balance or $20, whichever is greater; or (b) your total new balance if it is less than $20 plus any portion of\nthe minimum payment shown on prior statements that remains unpaid. In addition, at any time your total new balance exceeds your credit line, you must immediately\npay the excess upon our demand. We will apply your payments first to balances with the highest annual percentage rate and any remaining portion to other balances in\ndescending order based on the applicable annual percentage rate. Your payments will be applied to the purchase balance first and then to the cash advance balance if\nthese 2 balances have the same annual percentage rate. However, if you pay by check, the amount of your payment may not be applied to your available credit line for\nsuch period of time as we reasonably determine is necessary to ensure that your check is honored. We may also allow you to skip a payment. If we do, we will notify\nyou in advance of this option. If you choose to skip a payment when offered, we will continue to assess FINANCE CHARGES. You agree to pay us in U.S. dollars\ndrawn on funds on deposit in the United States using a payment check, similar instrument, or automatic debit that will be processed and honored by your financial\ninstitution. We reserve the right to accept payments made in foreign currency. If we do, we will select the currency conversion rate at our discretion.\n7. IRREGULAR PAYMENTS: We reserve the right to accept late payments or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without any prejudice to our rights\nunder this agreement. If a check is presented for payment before the date you write on the check or the check is not dated, we have the right to process the check for\npayment or return it unpaid. You will hold us harmless for any action in payment or non-payment of the check.\n8. FINANCE CHARGES: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. If you do not pay the total new balance for purchases by the due date, FINANCE CHARGES will be imposed on the unpaid\npurchase balance from the first date of the last billing cycle and on new purchases from the day they are posted to your account. For cash advances and balance\ntransfers, FINANCE CHARGES will begin to accrue from the date of the transaction and continue to accrue until payment in full is credited to your account. We figure\nthe FINANCE CHARGE on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account (including current transactions). The daily period\nrate for your Purchase, Balance Transfer and Cash Advance APR is (APR/365).\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases we take the beginning balance of your account each day, add any new purchases, and subtract any payments or\ncredits, and unpaid finance charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of\ndays in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the daily balance for cash advances, new cash advances are added to the day\xe2\x80\x99s beginning\nbalance and payments and credits are subtracted. Fees are not included in the calculation of the average daily balance. FINANCE CHARGES will continue to accrue\non your account until what you owe under this Agreement is paid in full.\n9. LATE CHARGES: In addition to the continued accrual of the FINANCE CHARGE at the daily periodic rate, if you fail to pay at least the minimum payment within 15\ndays after it is due, we may assess a late charge of up to $25 for each delinquent payment.\n10. THE CONDITIONS UNDER WHICH ANY OTHER CHARGES MAY BE IMPOSED: These charges will be added to your purchase balance.\na. DISHONORED CHECK \xe2\x80\x93 A fee of up to $15.00 may be imposed if payment is made with a check that is dishonored on the second presentment.\nb. ADDITIONAL CARDS \xe2\x80\x93 We will issue up to four (4) cards at no cost. Rush requests are $25.00 per request.\n11. DEFAULT: You will be in default if you fail to make a minimum payment within 25 days after your monthly statement closing date. You will be in default if you default\non any obligation to SECU, including defaulting under other loan or deposit account terms. You will be in default if you break any promise you made or any security\nagreement made in connection with an advance. You will be in default if you die, file for bankruptcy, or become insolvent, that is, unable to pay your obligations when\nthey become due. You will be in default if you make any false or misleading statements in any credit application or update of credit information. You will also be in\ndefault if something happens that we believe may substantially reduce your ability to repay what you owe. When you are in default we can demand immediate payment\nof the entire amount you owe without giving you advance notice. You will also be required to pay our collection expenses, including court costs and an additional sum\nequal to 20% of the aggregate of the principal and interest due if your account is referred to an attorney at law or collection agency for collection. You authorize us to\nsubmit payroll deduction requests, when available, from your wages, salary or pension to the State of Maryland or other employer agency for any amounts in default\nwithout additional authorization.\n12. DELAY IN ENFORCEMENT: We can delay enforcing any right under this agreement without losing that right or any other right.\n13. SEVERABILITY: If any provision of this agreement is held invalid, all provisions that are severable from the invalid provision remain in effect.\n14. ACCESSING THE ACCOUNT: To make a purchase or cash advance there are three alternatives. (a.) Present the card to a participating VISA\xc2\xae plan merchant, to\nus or to another financial institution. Then sign the sales or cash advance draft that has been imprinted or swiped with your card information. (b.) Complete the\ntransaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal\nthat provides access to the VISA system. (c.) Issue a convenience check for the payment of goods, services or cash. You will retain the copy of such slips furnished at\nthe time of the transaction to verify the monthly statement. SECU may charge a reasonable fee for photocopies of slips you request.\n15. CARD RENEWAL: Cards are issued with an expiration date. We have the right not to renew your card for any reason.\n16. RETURNS AND ADJUSTMENTS: Merchants and others who honor the card may give credit for returns or adjustments and they will do so by sending us a credit\nwhich we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash\nadvances, or if $1.00 or more, refund it on your written request or automatically after 6 months.\n17. FOREIGN TRANSACTIONS: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange\nrate for transactions in foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central\nprocessing date, which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date.\n18. PLAN MERCHANT DISPUTES: We are not responsible for the refusal of any plan merchant or financial institution to honor your card. We are subject to claims and\ndefenses (other than tort claims) as set forth herein under, \xe2\x80\x9cSpecial Rules for Credit Card Purchases.\xe2\x80\x9d You must resolve any other disputes directly with the plan\nmerchant. We may limit the dollar amount and/or the number of transactions which may be approved in one day. If we detect unusual or suspicious activity on your\naccount, we may temporarily suspend your credit privileges until we can verify the activity. We may approve transactions which cause the balance to exceed your credit\nline without waiving any of our rights to this Agreement.\n19. SECURITY INTEREST: Except for real estate loans, collateral securing other loans with SECU may also be used to secure this VISA account. If you have any other\nloans from SECU, or take out other loans with SECU in the future, collateral securing those other loans will also secure the obligations under this Agreement. However,\nunless you expressly agree otherwise, your household goods and dwelling will not secure your obligations under this Agreement even if SECU has or later acquires a\nsecurity interest in the household goods or a mortgage on the dwelling. You have given a Consensual Security Interest incorporated by reference herein, in your SECU\nSavings or Money Manager account, as security for any advances to you or on your behalf on any SECU VISA Credit Card, excepting those accounts that have an\nadverse tax consequence.\n20. CASH ADVANCES: Cash advances can be obtained through an ATM, convenience checks, SECU branches and other financial institutions. Upon your written\ndirection or through SECU\xe2\x80\x99s website, cash advances may be made against your VISA account and applied to any of your SECU share accounts, or other accounts in\nthe same manner as if the cash advances were paid to you. Deposit of the cash advance to any of your SECU accounts obligates you to the repayment of the cash\nadvance per this Agreement.\n21. BALANCE TRANSFER(S): Balance Transfers are treated as a cash advance. Finance charges for balance transfers will begin to accrue from date of the\ntransaction and continue to accrue until payment in full is credited to your account. Total value of transfer request(s) cannot exceed credit line and/or credit availability\nwhichever is less. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least 2 weeks from request date for processing of the\nbalance transfer. Continue paying each creditor until the transfer appears as a credit. It will take at least 17 days from account opening to initiate your balance transfer\nrequest. Within this 17 day time period, you may cancel your balance transfer by calling us at 800-879-7328. Do not transfer any disputed purchase or charge because\nyou may lose dispute rights.\n22. EFFECT OF AGREEMENT: This agreement is the contract that applies to all transactions on your account even though the sales, cash advances, credit or other\nslips you sign or receive may contain different terms. We may amend this agreement from time to time by sending you the advance written notice required by Federal\nand State law. Your use of the card after the effective date of the amendment will indicate your agreement to the amendment.\n23. GOVERNING LAW: This agreement is governed by the Annotated Code of Maryland, Financial Institutions Article, Title 6 and the Annotated Code of Maryland,\nCommercial Law Article, Title 12, Subtitle 9 and applicable federal law or regulation.\n24. VISA STATEMENTS AND NOTICES: On a regular basis, you will receive a statement showing all transactions for this account during the period covered by the\nstatement. Statements and notices will be mailed to you at the most recent address you have given SECU in writing. Notice to any one of you will be notice to all.\n25. UPDATING INFORMATION: You promise that you will promptly give us written notice if you move, change your name or employment, or if any other information\nyou provide to us changes. You also agree to provide SECU with updated financial information about yourself upon request.\n26. COPY RECEIVED: By signing, using or accepting the SECU VISA card, you acknowledge receipt of this Agreement and agree to terms herein.\n27. STOP PAYMENT: If before a Balance Transfer or Convenience Check drawn on your Account has been honored, you notify us not to pay it, we will stop payment\non the check. You must send us a written and signed stop payment order which states the number, payee, amount, and date of the check on which payment is to be\nstopped. We may disregard any such order six months after our receipt unless you renew it in writing.\n\n\x0c28. CLOSING YOUR ACCOUNT: You can cancel or close your Account by writing to us at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Your notice becomes\neffective within five days after we receive it. If you cancel your Account, you must pay everything you owe us, including any amounts owed but not yet billed to you if\nyou wish to avoid paying a FINANCE CHARGE on the outstanding balance. If you do not pay us immediately, outstanding balances will continue to accrue FINANCE\nCHARGES and other charges and be subject to the terms and conditions of this Agreement. You also agree to return your card(s) and any unused Transfer and/or\nConvenience Checks to us.\nYOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and responsibilities under the Fair\nCredit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT: If you think your VISA statement is wrong, or if you need more information about a\ntransaction on your statement, write us on a separate sheet at SECU, 971 Corporate Blvd., Linthicum, MD 21090. Write to us as soon as possible. We must hear from\nyou no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us at 410-487-7328 (Baltimore Metro Area)\nor (Toll Free) 1-800-879-7328, but doing so will not preserve your rights. In your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item in question.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct the error or explain why we believe the statement was correct. After we receive your letter, we\ncannot try to collect any amount you question and we cannot report you as delinquent. We can continue to send statements to you for the amount you question,\nincluding FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your statement that are not in question. If we find that we made a mistake on your statement, you will not\nhave to pay any FINANCE CHARGES related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you have to pay FINANCE CHARGES, and you will have to\nmake 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\npay 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 (10) days telling\nus that you still refuse to pay, we must tell anyone we report you to that you have a question about your account. We must tell you the name of anyone we reported you\nto, and we must tell anyone we reported you to that the matter has been settled between us when it finally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50\nof the questioned amount, even if your statement was correct.\nSPECIAL RULES FOR CREDIT CARD PURCHASES: If you have a problem with the quality of property or services that you purchased with your credit card, and you\nhave 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\nlimitations on this right:\na. 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\nb. The purchase must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.\nBUSINESS DAYS/HOURS: Business days are Monday through Friday from 8:00 a.m. to 6:00 p.m. and Saturday from 9:00 am to 1:00 pm.\nTYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS: You may use your card to:\na. Pay for purchases at places that agreed to accept the card.\nb. Obtain cash advances from our ATMs or at any ATM displaying the VISA logo in conjunction with your PIN.\nc. Obtain cash advances from any financial institution that has agreed to accept the card. There is no limitation on the frequency of cash withdrawals you may make\nfrom our ATMs except that:\n1. You may not make any cash withdrawals that would result in an outstanding account balance in excess of your credit limit; and\n2. You may only make a total of $1,000 in cash advance withdrawals per day with a minimum of $10.00. The withdrawal limit may change without any prior notice.\nCIRCUMSTANCES IN WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: We will disclose information to third parties about your account\nor transfers that you make:\na. When it is necessary for completing transfers, or\nb. To verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or\nd. To comply with government agency or court orders, or\nc. If you give us your written permission.\nYOUR RIGHTS TO RECEIVE DOCUMENTATION OF TRANSACTIONS\na. You can get a receipt at the time you make any cash advance using one of our automated teller machines.\nb. You will get a monthly account statement unless there are no transactions in that particular month and your balance is zero.\nc. You may also receive a statement if there is an amendment to terms.\n\nCONNECT WITH US\n\nCONTACT US\n\n+\n\nBANKING\n\n+\n\nABOUT US\n\n+\n\nBUSINESS\n\n+\n\nRESOURCES\n\n+\n\nBORROWING\n\n+\n\nCOMMUNITY\n\n+\n\nRouting\nNumber: 255076753\nPO Box 23896\nBaltimore, MD 21298\n\nEQUAL HOUSING OPPORTUNITY\nFEDERALLY INSURED BY NCUA\n\nYour savings federally insured to at least $250,000 and backed\nby the full faith and credit of the United States Government.\nNational Credit Union Administration, a U.S. Government Agency\n\n\x0c'