8

In your letter give us the following information: 

   •  Your name and account number.
   •  The dollar amount of the suspected error.
   •  Describe the error and explain, if you can, why you believe    
      there is an error. If you need more information, describe the 
      item(s) you are not sure about. 

If  you  have  authorized  us  to  pay  your  credit  card  bill  automati-
cally from your savings or share draft account, you can stop the 
payment on any amount you think is wrong. To stop the payment 
your letter must reach us three (3) business days before the auto-
matic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE 
YOUR WRITTEN NOTICE 

We must acknowledge your letter within thirty (30) days, unless 
we have corrected the error by then. Within ninety (90) days, we 
must either correct the error or explain why we believe  the  bill  
was correct. 

After  we  receive  your  letter,  we  cannot  try  to  collect  any 
amount  you  question,  or  report  you  as  delinquent.  We  can 
continue  to  bill  you  for  the  amount  you  question,  includ-
ing  finance  charges,  and  we  can  apply  an  unpaid  amount 
against  your  credit  limit.  You  do  not  have  to  pay  any  ques-
tioned  amount  while  we  are  investigating,  but  you  are  still 
obligated  to  pay  the  parts  of  your  bill  that  are  not  in  question. 

If we find that we made a mistake on your bill, you will not have 
to  pay  any  finance  charges  related  to  any  questioned  amount. 
If  we  didn’t  make  a  mistake,  you  may  have  to  pay  finance 
charges,  and  you  will  have  to  make  up  any  missed  payments 
on  the  questioned  amount.  In  either  case,  we  will  send  you  a 
statement  of  the  amount  you  owe  and  the  date  that  it  is  due. 

If you fail to pay the amount that we think you owe, we may re-
port you as delinquent. However, if our explanation does not sat-
isfy you and you write to us within ten (10) days telling us that you 
still refuse to pay, we must tell anyone we report you to that you 
have a question about your bill. And, we must tell you the name 
of anyone we reported you to. We must tell anyone we report you 
to that the matter has been settled between us when it finally is. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50 
of the questioned amount, even if your bill was correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES 

If  you  have  a  problem  with  the  quality  of  property  or  services 
that  you  purchased  with  a  credit  card,  and  you  have  tried  in 
good  faith  to  correct  the  problem  with  the  merchant,  you  may 
have  the  right  not  to  pay  the  remaining  amount  due  on  the 
property  or  services. There  are  two  (2)  limitations  on  this  right: 

(a)  You  must  have  made  the  purchase  in  your  home  state 
or,  if  not  within  your  home  state,  within  one  hundred  (100)
miles of your current mailing address; and 

(b)  The purchase price must have been more than $50. These lim-
itations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or services.

MECU OF
BALTIMORE, INC.

One South Street • Baltimore, MD 21202

VISA CREDIT CARD AGREEMENT 

In  this  agreement  the  words “you”  and “your”  means  the  card-
holder who opened the Account. “Card” means the MECU VISA® 
Platinum  Credit  Card  or  the  MECU  VISA®  Signature  Credit  Card 
and  any  duplicates,  renewals  or  substitutions  we  issue.  “Ac-
count” means your VISA® Credit Card line of credit account with 
us. “Credit Union” means the Credit Union whose name appears 
on  this  agreement  or  anyone  whom  the  Credit  Union  transfers 
this  agreement. “We”, “us”  and “ours”  means  MECU  of  Baltimore, 
Incorporated. This  agreement  is  effective  as  of  January  1,  2015. 

1.  USING  YOUR  ACCOUNT.  If  you  are  approved  for  an  Account, 
the  Credit  Union  will  establish  a  line  of  credit  for  you  and  noti-
fy you of your credit limit. You agree that your credit limit is the 
maximum  amount  (purchases,  cash  advances,  finance  charges, 
plus  “other  charges”)  that  you  will  have  outstanding  on  your  
Account  at  any  time.  If  you  are  over  your  credit  limit,  you  must 
pay  the  amount  you  are  over  before  payments  will  begin  to 
restore  your  credit  limit.  We  may,  from  time  to  time,  either 
upon  your  request  or  at  our  option,  increase  or  decrease  your 
credit  limit,  and  we  will  notify  you  if  we  do.  You  may  request 
an  increase  in  your  credit  limit  only  by  a  method  acceptable 
to  the  Credit  Union.  The  Credit  Union  has  the  right  to  reduce 
your  credit  limit,  refuse  to  make  an  advance  and/or  terminate 
your  Account  at  any  time  for  any  reason  not  prohibited  by  law. 

2. USING YOUR CARD. You may use your Card to make purchases 
from merchants and others who accept VISA® Cards. In addition, 
you may obtain cash advances from  the  Credit Union  and  from 
other financial institutions that accept  VISA® Cards, and from some 
automated  teller  machines  (ATMs).  (Not  all  ATMs  accept  VISA® 
Cards.) To obtain cash advances from an ATM, you must use the Per-
sonal Identification Number (PIN) that is issued to you for use with 
your Card. You agree that you will not use your Card for any trans-
action that is illegal under applicable federal, state, or local law. 

3.  RESPONSIBILITY. You  agree  to  pay  all  charges  (purchases  and 
cash advances) to your Account that are made by you or anyone 
whom you authorize to use your Account. You also agree to pay 
all finance charges and other charges added to your Account un-
der the terms of this Agreement or another agreement you made 
with  the  Credit  Union.  If  this  is  a  Joint  Account,  Section  22  also 
applies to your Account.

4. RATE. We will use the following variable rate formula for Vari-
able Standard Rates, Variable Defaults Rates and Variable Promo-
tional Rates.  All variable rates are calculated by adding togeth-
er  an  index  and  a  margin.   This  index  is  determined  on  the  last 
business  day  of  each  month    and  is  the  US  Prime  Rate  as  pub-
lished in The Wall Street Journal  on the last publication of each 
month.  The margin used to determine your APR is listed in the 
Disclosure  that  accompanied    your  New  Card  Documentation. 

M-119340

2

3

An  increase  or  decrease  in  the  index  will  cause  a  correspond-
ing increase or decrease in your variable rate on the first day of 
your  billing  cycle  that  begins  in  the  same  month  as  the  deter-
mination date.  An increase in the index means that you will pay 
higher periodic rate finance charges and have a higher total min-
imum payment due.  If The Wall Street Journal does not publish 
the US Prime Rate or if it changes the definiton of the US Prime 
Rate, we may at our sole discretion, substitute another index.

5.  FINANCE  CHARGES.  APPLICATION  OF  PAYMENTS:  Your  pay- 
ments will be applied by us in the following manner. (1) If your 
payment is large enough, we will apply it to pay your Total New 
Balance  in  full.  If  your  payment  is  greater  than  your  Total  New 
Balance  we  will  apply  the  excess  first  to  pay  new  cash  advanc-
es  and  next  to  pay  new  purchases  occurring  after  the  Closing 
Date shown on your billing statement. If you make no new cash  
advances or purchases, the excess will be shown as a credit bal-
ance on your next billing statement for which you may, by writ-
ten request, get a refund; or (2) If your payment is less than the 
Total New Balance, we will apply the payment first to any unpaid 
FINANCE  CHARGE,  with  the  balance,  if  any,  first  to  the  entire 
cash  advance  balance  and  next  to  the  entire  purchase  balance. 

FINANCE  CHARGE  ON  PURCHASES:  The  periodic  rate  applica-
ble  to  purchases  are  disclosed  on  the  disclosures  that  accom-
panied  your  New  Card  Documentation.    A  FINANCE  CHARGE 
will be imposed on credit Purchases only if you elect not to pay 
the  entire  New  Balance  shown  on  your  monthly  statement  for 
the  previous  billing  cycle  within  twenty  five  (25)  days  from  the 
closing  date  of  that  statement.  If  you  elect  not  to  pay  the  en-
tire  New  Balance  shown  on  your  previous  monthly  statement 
within  that  twenty  five  (25)  day  period  a  FINANCE  CHARGE  will 
be  imposed  on  the  unpaid  average  daily  balance  of  such  cred-
it  purchases  from  the  previous  statement  closing  date  and  on 
new  credit  purchases  from  the  date  of  posting  to  your  account 
during  the  current  billing  cycle  and  will  continue  to  accrue  un-
til  the  closing  date  of  the  billing  cycle  preceding  the  date  on 
which the  entire  New  Balance is paid in full or until the date of 
payment if more than twenty five (25) days from the closing date. 

The FINANCE CHARGE for a billing cycle is computed by applying 
the monthly Periodic Rate to the average daily balance of credit 
purchases, which is determined by dividing the sum of the daily 
balances during the billing cycle by the number of days in the cycle. 
Each daily balance of credit purchases is determined by adding to 
the outstanding unpaid balance of credit Purchases at the begin-
ning of the billing cycle any new credit Purchases posted to your 
account and subtracting any payments received or credits post-
ed to your account but excluding any unpaid FINANCE CHARGE. 

FINANCE CHARGE ON CASH ADVANCES: The periodic rate appli-
cable to cash advances are disclosed on the disclosures that ac-
companied your New Card Documentation.  A FINANCE CHARGE 
will be imposed on Cash Advances from the date made or from 
the first day of the billing cycle in which the Cash Advance is post-
ed to your account, whichever is later, and will continue to accrue 
on the unpaid average daily balance of such Cash Advances until 
the date of the billing payment if paid during the same billing cy-
cle, or until the closing date of the billing cycle preceding the date 
on which the entire New Balance is paid in full or until the date of 
payment if more than twenty five (25) days from the closing date. 
If the New Balance shown on your monthly statement for the pri-
or billing cycle is paid in full within twenty five (25) days from the 
closing date of that statement, no FINANCE CHARGES will be

imposed  during  the  current  billing  cycle  for  Cash  Advances 
posted  to  your  account  during  previous  billing  cycles.  The  FI-
NANCE  CHARGE  for  a  billing  cycle  is  computed  by  applying 
the  monthly  Periodic  Rate  to  the  average  daily  balance  of  Cash 
Advances,  which  is  determined  by  dividing  the  sum  of  the  dai-
ly  balances  by  the  number  of  days  in  the  billing  cycle.  Each 
daily  balance  of  Cash  Advances  is  determined  by  adding  to 
the  outstanding  unpaid  balance  of  Cash  Advances  at  the  be-
ginning  of  the  billing  cycle  any  new  Cash  Advances  posted  to 
your account, and subtracting any payments received or credits 
posted  to  you,  but  excluding  any  unpaid  FINANCE  CHARGES. 

6.  OTHER  CHARGES.  The  following  other  charges  (fees)  will  be 
added to your Account, as applicable: 

a.  Late  Payment  Fee:  Payments  which  are  received  fifteen 
(15) days past due will be subject to a Late Payment Fee  up to
$24.00, dependent upon outstanding balance. 

b.  Return Check Fee: If a check or share draft used to make a pay-
ment on your account is returned unpaid, you will be charged a 
fee of up to $15.00 for each item returned dependent upon your 
outstanding balance. 

c.  Effect  of  Default:  If  you  are  in  default  under  this  Cardholder 
Agreement, at our option we can require immediate payments of 
all amounts you owe under your account. If we refer your account 
to any attorney for collection, you will have to pay an attorney or 
collection fee of 15% of the amount owing, plus all court costs. 

d.  Foreign Transaction Fee: Refer to Section 19. 

e.  If applicable, there will be a $5 charge assessed to your cred-
it  card  statement  for  each  expedited  telephone  payment  ini-
tiated by the cardholder through 24/7 Cardholder Services. 

f.  Lost Card Replacement Fee: If your card is lost and you order a 
replacement, you will be charged a lost card fee of $10 per card. 

g.  Express  Delivery  Fee:  If  you  request  Express  Delivery  of  a  
replacement card, you will be charged an Express Delivery fee of 
$10 per delivery. 

7.  PAYMENTS.  Each  month  you  must  pay  at  least  the  minimum 
payment  shown  on  your  statement  by  the  date  specified  on 
the  statement  or  no  later  than  twenty-five  (25)  days  from  the 
statement closing date, whichever is later. If your statement says 
the  payment  is “Now  Due,”  your  payment  is  due  no  later  than 
twenty-five  (25)  days  from  the  statement  closing  date. You  may 
pay  more  frequently,  pay  more  than  the  minimum  payment 
or pay the Total New Balance in full. If you make extra or larger 
payments,  you  are  still  required  to  make  at  least  the  minimum 
payment each month your Account has a balance (other than a 
credit  balance). The  minimum  payment  for  the  MECU  Platinum 
and  Signature  card  is  2%  of  your  Total  New  Balance  for  pur-
chases  and  cash  advances,  or  $10.00,  whichever  is  greater,  plus 
the amount of any prior minimum payments that you have not 
made, and any amount you are over your credit limit. The Credit 
Union also has the right to demand immediate payment of any 
amount  by  which  you  are  over  your  credit  limit.  The  current  
minimum payment will be rounded off to the next whole dollar. 
The  credit  union  may,  at  our  discretion,  delay  in  restoring  your 
available credit limit up to the amount of the payment(s) in order 
to assure that the check or other payment instrument is honored.

 
  
 
4

5

6

7

8.  PAYMENT  ALLOCATION.  Your  payments  will  be  applied 
law.  
to  the  balance  owed 

in  accordance  with  applicable 

9.    SECURITY  INTEREST.  If  you  give  the  Credit  Union  a  specific 
pledge  of  shares  by  signing  a  separate  pledge  of  shares,  your 
pledged shares will secure your Account. You may not withdraw 
amounts that have been specifically pledged to secure your Ac-
count  until  the  credit  union  agrees  to  release  all  or  part  of  the 
pledged amount. In addition, your Account is secured by all other 
shares you have in any individual or joint account with the Credit 
Union, except for shares in an Individual Retirement Account or 
in any other account that would lose special tax treatment under 
state or federal law if given as security. These other shares may be 
withdrawn  unless  you  are  in  default  under  this  agreement. You 
authorize the Credit Union to apply the balance in your individual 
or joint share accounts to pay any amounts due on your Account if 
you should default. Collateral securing other loans you have with 
the Credit Union may also secure this loan, except that a dwell-
ing  will  never  be  considered  as  security  for  this  Account,  not-
withstanding  anything  to  the  contrary  in  any  other  agreement. 

10.  DEFAULT. You  will  be  in  default  if  you  fail  to  make  any  min-
imum  payment  or  other  required  payment  by  the  date  that 
it  is  due.  You  will  be  in  default  if  you  break  any  promise  you 
make  under  this  Agreement.  You  will  be  in  default  if  you  die, 
file  for  bankruptcy  or  become  insolvent,  that  is,  unable  to  pay 
your  obligations  when  they  become  due.  You  will  be  in  de-
fault  if  you  make  any  false  or  misleading  statements  in  any 
credit  application  or  credit  update.  You  will  also  be  in  de-
fault  if  something  happens  that  the  Credit  Union  believes 
may  substantially  reduce  your  ability  to  repay  what  you  owe. 

When  you  are  in  default,  the  Credit  Union  has  the  right  to 
demand  immediate  payment  of  your  full  Account  balance 
without  giving  you  notice.  If  immediate  payment  is  demand-
ed,  you  agree  to  continue  paying  finance  charges,  at  the 
periodic  rate  charged  before  default,  until  what  you  owe 
has  been  paid,  and  any  shares  that  were  given  as  securi-
ty  for  your  Account  may  be  applied  towards  what  you  owe. 

11.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD 
NOTIFICATION.  You  agree  to  notify  us  immediately,  orally  or  in 
writing  at  One  South  Street,  Baltimore,  MD  21202  or  telephone 
(800)  449-7728  seven  (7)  days  a  week,  twenty-four  (24)  hours  a 
day,  of  the  loss,  theft,  or  unauthorized  use  of  your  Credit  Card. 
You may be liable for the unauthorized use of your Credit Card. 
You  will  not  be  liable  for  unauthorized  use  that  occurs  after 
you  notify  us  of  the  loss,  theft,  or  possible  unauthorized  use. 
You will have no liability for unauthorized purchases made with 
your  credit  card,  unless  you  are  grossly  negligent  in  the  han-
dling of your card. In any case, your liability will not exceed $50. 

12.  CHANGING  OR  TERMINATING  YOUR  ACCOUNT.  The  Cred-
it  Union  may  change  the  terms  of  this  Agreement  from  time 
to  time.  Notice  of  any  change  will  be  given  in  accordance  with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice 
to  you,  the  change  will  apply  to  your  existing  Account  balance  
as  well  as  to  future  transactions.  Either  you  or  the  Credit  Union 
may  terminate  this  Agreement  at  any  time,  but  termination  by 
you or the Credit Union will not affect your obligation to pay the 
Account balance plus any finance and other charges you owe un-
der this Agreement. You are also responsible for all transactions 
made to your Account after termination, unless the transactions 
were unauthorized.

The Card or Cards you receive remain the property of the Credit 
Union and  you must recover  and  surrender  to  the  Credit  Union 
all  Cards  upon  request  or  upon  termination  of  this  Agreement 
whether  by  you  or  the  Credit  Union.  The  Credit  Union  has  the 
right  to  require  you  to  pay  your  full  Account  balance  at  any 
time  after  your  Account  is  terminated,  whether  it  is  terminated 
by you or the Credit Union. If this is a Joint Account, Section 22 
of  this  Agreement  also  applies  to  termination  of  the  Account. 

13.  CREDIT  REPORTING.  You  authorize  the  credit  union  to  in- 
vestigate your  credit  standing  when opening  or  reviewing your 
account. You  authorize  the  credit  union  to  disclose  information 
regarding  your  account  to  credit  bureaus  and  creditors  who 
inquire  about  your  credit  standing.  If  your  account  is  eligible 
for  emergency  cash  and/or  emergency  card  replacement  ser-
vices,  and  you  request  such  services,  you  agree  that  we  may 
provide  personal  information  about  you  and  your  account 
that  is  necessary  to  provide  you  with  the  requested  service(s). 

We  may  report  your  performance  under  this  Agreement  to 
credit  reporting  agencies,  including  your  failure  to  make  min-
imum  payments  on  time.  If  you  request  additional  cards  on 
your  account  for  others,  you  understand  that  we  may  report 
account  information  in  your  name,  as  well  as  in  the  names  of 
those  other  people.  We  may  also  obtain  follow-up  credit  re-
ports  on  you  (for  example,  when  we  review  your  account  for  a 
credit line increase). If you wish to know the names of the agen-
cies  we  have  contacted,  write  us  at  the  address  listed  on  the 
billing  statement.  We  will  try  to  notify  you  by  telephone  or  by 
mail  of  any  legal  process  served  on  us  in  order  to  give  you  an 
opportunity  to  object  to  it,  unless  the  law  prohibits  the  notice. 

If  you  think  we  reported  erroneous  information  to  a  credit  re-
porting  agency,  write  us  at  the  address  listed  on  the  billing 
statement.  We  will  promptly  investigate  the  matter  and  if  our 
investigation  shows  you  are  right,  we  will  contact  each  credit 
reporting  agency  to  whom  we  reported  and  will  request  they 
correct the report. If we disagree with you after our investigation, 
we will tell you in writing or by telephone and instruct you how 
to  submit  a  statement  of  your  position  to  those  agencies. Your 
statement  will  become  a  part  of  your  credit  record  with  them. 

14.  RETURNS  AND  ADJUSTMENTS.  Merchants  and  others  who 
honor your Card may give credit for returns or adjustments, and 
they will do so by sending the Credit Union a credit slip or other 
electronic  means  which  will  be  posted  to  your  Account.  If  your 
credits and payments exceed what you owe the Credit Union, the 
amount will be applied against future purchases and cash advanc-
es. If the credit balance amount is $1 or more, it will be refunded 
upon your written request or automatically after six (6) months. 

15.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS.  The  Credit 
Union  may  from  time  to  time  offer  additional  services  to  your 
Account, such as travel accident insurance, at no additional cost 
to you. You understand that the Credit Union is not obligated to 
offer such services and may withdraw or change them at any time. 

16.  SPECIAL  PROMOTIONS.  From    time    to    time,  we  may  offer 
special promotions under which purchases of goods or services, 
balance transfers or cash  access  transactions  may be  billed  to  
your  account  with  special  promotional  terms. 

The Finance Charges, minimum payment, application of pay- 
ments and other terms for special promotions may differ from 
the standard terms described in this Agreement and as may

be  shown  on  your  Account  Statement.  The  standard  terms  of 
the  Agreement  apply  to  any  special  promotion,  except  where 
changed  by  the  special  promotion.  Except  to  the  terms  modi- 
fied  by  the  special  promotion,  standard  terms  will  continue  to 
apply  to  any  and  all  transactions  that  are  not  subject  to  a  spe- 
cial promotion. If you elect a special promotion, you agree to the 
terms of the promotion and understand that any unpaid balance 
related to the special promotion will be subject to the standard 
terms when the promotional period ends. We are not required to 
give you advance notice before resuming or starting to bill you 
according  to  the  standard  terms  described  in  the  Agreement. 

17.  CONVENIENCE  CHECKS.  Convenience  checks  may  be  used 
to  purchase  goods  and  services,  to  transfer  balances  from  
others,  or  to  obtain  funds  up  to  the  amount  of  your  available 
cash  advance  limit  unless  that  amount  will  cause  the  total 
balance  to  exceed  your  credit  line.  We  will  treat  convenience 
checks  as  a  cash  advance  and  charge  them  against  your  cash 
advance  limit.  Each  convenience  check  must  be  in  the  form  we 
have issued and must be used according to any instructions we 
give  you.  Convenience  checks  may  be  used  only  by  the  person 
whose  name  is  printed  on  them.  Convenience  checks  may  not 
be used to pay any amount owed to us under this or any other 
Card  Agreement  that  you  have  with  us.  We  will  not  certify  any 
convenience checks, nor will we return paid convenience checks. 

18.  TELEPHONE  MONITORING  AND  REPORTING.  From  time  to 
time  we  may  monitor  and  record  your  telephone  calls  regard- 
ing  your  account  with  us  to  assure  the  quality  of  our  service. 

19. FOREIGN TRANSACTIONS. Purchases and cash advances made 
in foreign currencies will be debited from your account in U.S. dol-
lars. The exchange rate used to  convert foreign currency transac-
tions to U.S. dollars is either a government-mandated exchange 
rate or a wholesale exchange rate and is selected by MasterCard. 
The  rate  MasterCard  uses  for  a  particular  transaction  is  the  rate 
MasterCard  selects  for  the  applicable  currency  on  the  day  the 
transaction is processed. This rate may differ from the rate appli-
cable on the date the transaction occurred or was posted to your 
account. A fee (finance charge) will be charged on all transactions 
completed in a foreign currency. All fees are calculated based on 
the transaction amount after it is converted to U.S. dollars. These 
fees are charged except where excluded. The Foreign Transaction 
Fee(finance charge) is set forth on the Disclosure that accompa-
nied your New Card Documentation.

A  1%  International  Fee  will  be  assessed  on  all  transactions 
where  the  merchant  country  differs  from  the  country  of  the 
card  issuer.  The  converted  transaction  will  be  shown  separate-
ly  from  the  International  Transaction  Fee  on  you  billing  state-
ment.  This  fee  will  be  assessed  on  all  international  purchases, 
credit vouchers, and cash disbursements. The exchange rate 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  processing  date,  which  rate  may  vary 
from  the  rate  VISA®  itself  receives,  or  the  government  mandat-
ed  rate  in  effect  for  the  applicable  central  processing  date  plus 
the  1%  International  Transaction  Fee.  A  fee  of  0.8%  will  be  as-
sessed  on  international  transactions  conducted  in  U.S.  dollars. 

20.  MERCHANT DISPUTES. The Credit Union is not responsible for 
the refusal of any merchant or financial institution to honor your  
Card. The  Credit  Union  is  subject  to  claims  and  defenses  (other 
than  tort  claims)  arising  out  of  goods  or  services  you  purchase 
with the Card if you have made a good faith attempt but have

been unable to obtain satisfaction from the merchant or service 
provider, and (a) your purchase was made in response to an ad-
vertisement  the  Credit  Union  sent  or  participated  in  sending 
to you; or (b) your purchase cost more than $50 and was made 
in  your  state  or  within  one  hundred  (100)  miles  of  your  home. 

21.  REFUSAL OF THE CARD. We are not responsible if a transaction 
on your account is not approved, either by us or by a third party, 
even if you have sufficient credit available. We may limit the num-
ber of transactions that may be approved in one day. If we detect 
unusual or suspicious activity on your account, we may temporar-
ily suspend your credit privileges until we can verify the activity. 

individually  and 

22.  JOINT  ACCOUNTS.  If  this  is  a  joint  account,  each  of  you 
will  be 
jointly  responsible  for  paying  all 
amounts  owed  under  this  Agreement.  This  means  that  the 
Credit  Union  can  require  any  one  of  you  individually  to  repay 
the  entire  amount  owed  under  this  Agreement.  Each  of  you 
authorizes  the  other(s)  to  make  purchases  or  cash  advances
individually.  Any  one  of  you  may,  in  writing,  terminate  the 
Account and the termination will be effective as to all of you. 

23.  EFFECT OF AGREEMENT. This Agreement is the contract which
applies  to  all  transactions  on  your  Account  even  though 
the  sales,  cash  advances,  credit  or  other  slips  you  sign  or 
receive may contain different terms. 

24.  NO  WAIVER.  The  Credit  Union  can  delay  enforcing  any  of
its rights any number of times without losing them. 

25.  STATEMENTS  AND  NOTICES.  Statements  and  notices  will  be 
mailed to you at the most recent address you have given the Credit 
Union. Notice sent to any one of you will be considered notice to all. 

26.  FINAL  EXPRESSION.  This  Agreement  and  the  New  Account
Disclosures are the final expression of the terms and conditions
of  this VISA®  line  of  credit  between  you  and  the    Credit  Union.
This written Agreement may not be contradicted by evidence of 
any alleged oral agreement. 

27. GOVERNING LAW. This Cardholder Agreement and the gran-
ting  of  credit  hereunder  is  made  pursuant  to  the  Maryland
Credit  Union  Act  and  the  Commercial  Law  Article,  Title  12,
Subtitle 9 and any applicable Federal Laws. 

28. COPY RECEIVED. Please read the Agreement carefully and keep 
a  copy  for  your  records.  By  using  or  accepting  your  credit  card, 
You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement  and  agree  to  all  of  the  terms  of  this  Agreement.

YOUR BILLING RIGHTS 

KEEP THIS NOTICE FOR FUTURE USE
This  notice  contains  important  information  about  your  rights  
and  our  responsibilities  under  the  Fair  Credit  Billing  Act. 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL 

If  you  think  your  bill  is  wrong,  or  if  you  need  more  information 
about a transaction on your bill, write us on a separate sheet at 
the  address  listed  on  your  bill.  Write  to  us  as  soon  as  possible. 
We  must  hear  from  you  no  later  than  sixty  (60)  days  after  we 
sent  you  the  first  bill  on  which  the  error  or  problem  appeared.  
You can telephone us, but doing so will not preserve your rights.