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.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.  
 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 beimposed 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.8 2 3
One South Street � Baltimore, MD 21202MECU OF
BALTIMORE, INC.
M-119340 8. PAYMENT ALLOCATION. Your payments will be applied 
to the balance owed in accordance with applicable law.  
 
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 maybe 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 havebeen 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.  
22. JOINT ACCOUNTS. If this is a joint account, each of you 
will be individually and 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.4 6 7 5