How  We Will Calculate  Your  Balance:  We use a method called �average daily balance (including new 
purchases)�.   See your account agreement for more details.   
 
Billing  Rights:   Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agre ement.  
 
Balance Transfers:  Total value of transfers cannot exceed your credit limit. SECU sends either full or partial 
payment to your creditors in the order you list them. Allow at least two weeks from submitting the balance transfer 
request for processin g. Continue paying each creditor until the transfer appears as a credit.    
 
 
Variable  APRs  Based  on Prime:  If any APR is based on the U.S. Prime Rate (�Prime Rate�), the APR will be equal 
the Prime Rate plus an additional amount. If the Prime Rate increas es, it will cause the APR to increase. If the Prime 
Rate decreases it will cause the APR to decrease. For each Billing Period we use the Prime Rate published in the 
Wall Street Journal 7 days before the statement Closing Date. If the Prime Rate causes an A PR to change, we put 
the new 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 rate that may apply. If the Wall Street Journal does not publis h 
the Prime Rate, we will use a similar published rate. The maximum APR will not exceed 24%.  
 
APR  for Purchases,  Balance  Transfers,  and Cash  Advances:   It equals the prime rate plus 10.74%.  
 
Effect  of APR  Increases:  If an APR Increases, interest charges in crease.  
 
In this agreement, the words �you� and �your� mean each person who has signed the application for the card. �Card� 
means the SECU Starter Visa, as the case may be, and any duplicates and renewals we issue. �Account� means 
your VISA Credit Card lin e of Credit account with us. �We�, �us� and �ours� mean State Employees Credit Union of 
Maryland, Incorporated (SECU).  
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS  
The 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 dependent 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 regulation s). 
 1. NOTICE:  Federal law provides important protections to members of the Armed Forces and their dependents 
relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces 
and his or her dependent may not exceed an ann ual percentage rate of 36 percent. This rate must include, as 
applicable to the credit transaction or Account: the costs associated with credit insurance premiums or debt 
protection fees; fees for ancillary products sold in connection with the credit trans action; any application fee 
charged (other than certain application fees for specified credit transactions or accounts); and any participation fee 
charged (other than certain participation fees for a credit card account).  
To receive this notice verbally or  to receive a description of your payment obligation please call 1 -800-879-7328, 
during our normal business hours.  
2. 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 account in connection with this Account (�Secured Account�). 
Only funds deposited into the Secured Account after the loan is made will secure this Account. Any cross -
collateralization provision contained in your credit or membership documents will not apply to this Account. 
However, with regard to this Account, we still reserve our statutory 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 i n the Secured Account 
or any other account(s) you have with us to satisfy your obligations under this Agreement.  
Any contract terms in your credit, security, or membership agreements that contradict the above with regard to this 
Account are hereby deleted.  
3. This Account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in this 
Credit Agreement and Security Agreement or in SECU�s Agreements and Disclosures shall not apply to your 
Account.  
1. 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 example, 
you are responsible for charges made by yourself, authorized users you designate, your 
spouse and minor children. Yo u are also responsible for charges made 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 will 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 agreement, 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 ac count. Each of you who 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 use the account only for personal, family, 
household or charitable purp oses. You will not use this account for any illegal 
transactions. Notice to any Account owner is considered notice to all Account owners.  
2. LOST  CARD  NOTIFICATION:  If you believe your card, convenience checks and/or 
Personal Identification Number (PIN) ha s been lost or stolen, you will immediately 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.  
3. LIABILITY  FOR  UNAUTHORIZED  USE:  You understand that you may no t be liable to 
SECU for any card transactions resulting from the loss, theft or other unauthorized use 
of the card that occurs prior to the time you notify SECU in accordance with Federal 
Law.  
4. CREDIT  LINE:  If we approve your application, we will establi sh a self -replenishing line 
of credit for you and notify you of its amount when we issue the card. You agree 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 o f the payment applied 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 loan office. By 
giving you written notice, we may reduce your credit line f rom time to time, or with good 
cause, revoke your card and terminate this agreement. Good cause 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 o ur adverse 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 the account balance. 
The cards remain our property and you must surrender all cards  and convenience 
checks upon our request.  
5. CREDIT  INFORMATION:  You authorize us to investigate your credit standing when 
opening, renewing or reviewing your account, and you authorize us to disclose 
information regarding your account to credit bureaus an d other creditors who inquire of 
us about your credit standing to the extent authorized in our bylaws.  
6. MONTHLY  PAYMENT:  We will mail you a statement every month showing your 
previous balance of purchases and cash advances, the current transactions on yo ur 
account, 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 date 
and the minimum payment required. Every month you must pay at least the minimum 
paymen t within 25 days of your statement closing date. You may, of course, pay 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 minimum 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 the 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 pay 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 descending order based on the applicable 
annu al percentage rate. Your payments will be applied to the purchase balance first and 
then to the cash advance balance if these 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 such 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 you 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 drawn 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 institution. We reserve the right to accept payments made in foreign currency. 
If we do, we will select the currency conversion rate at our discretion.  
7. IRREGULAR  PAYMENTS:  We reserve the right to accept late payments or checks and 
money orders marked �p ayment in full� without any prejudice to our rights under 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 payment or return it 
unpaid. You will  hold us harmless for any action in payment or non -payment of the 
check.   8. 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 balance 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 purchase 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 transfers, 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 the FINANCE CHARGE on your account by applying 
the p eriodic rate to the �average daily balance� of your account (including current 
transactions). The daily period rate for your Purchase, Balance Transfer and Cash 
Advance APR is (APR/365).  
To get the �average daily balance� for purchases we take the beginnin g balance of your 
account each day, add any new purchases, and subtract any payments or credits, 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  days in the billing 
cycle. This gives us the �average daily balance.� To get the daily balance for cash 
advances, new cash advances are added to the day�s beginning balance and payments 
and credits are subtracted. Fees are not included in the calculation of the average daily 
balance. FINANCE CHARGES will continue to accrue on your account until what you 
owe under this Agreement is paid in full.  
9. LATE  CHARGES:  In addition to the continued accrual of the FINANCE CHARGE at the 
daily periodic rate, if you fa il to pay at least the minimum payment within 15 days after it 
is due, we may assess a late charge of up to $25 for each delinquent payment.  
10. THE  CONDITIONS  UNDER  WHICH  ANY  OTHER  CHARGES  MAY  BE IMPOSED:  These 
charges will be added to your purchase balan ce. 
a. DISHONORED CHECK � A fee of up to $15.00 may be imposed if payment is made 
with a check that is dishonored on the second presentment.  
b. ADDITIONAL CARDS � We will issue up to four (4) cards at no cost. Rush requests 
are $25.00 per request.  
11. DEFA ULT:  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 on 
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 agreement 
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 they become due. Y ou 
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 default 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 of 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 equal 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 submit 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 without additional authorization.  
12. DELAY  IN ENFORCEMENT:  We can delay enforcing any right under this agreement 
without losing that right or any other right.  
13. SEVERABILITY:  If any provision of this agreement i s held invalid, all provisions that 
are severable from the invalid provision remain in effect.  
14. ACCESSING  THE  ACCOUNT:  To make a purchase or cash advance there are three 
alternatives. (a.) Present the card to a participating VISA� plan merchant, to us o r 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 transaction by using 
your Personal Identification Number (PIN) in conjunction with the card in an Automated 
Teller Machine (ATM) or other type of electronic terminal that 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 the time of the tran saction to 
verify the monthly statement. SECU may charge a reasonable fee for photocopies of 
slips you request.  
15. CARD  RENEWAL:  Cards are issued with an expiration date. We have the right not to 
renew your card for any reason.  
16. 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 which 
we will post to your account. If your credits and payments exceed what you owe us, we 
will hold and apply this credit bala nce against future purchases and cash advances, or if 
$1.00 or more, refund it on your written request or automatically after 6 months.  
17. FOREIGN  TRANSACTIONS:  Purchases and cash advances made in foreign 
countries and foreign currencies will be billed to  you in U.S. dollars. 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 may vary from the rate Visa itsel f receives, or the government mandated 
rate in effect for the applicable central processing date.  
18. 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 
defenses (other than tort claims) as set forth herein under, �Special Rules for Credit 
Card Purchases.� You must resolve any other disputes directly with the plan merchant. 
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 account, 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 line without 
waiv ing any of our rights to this Agreement.  
19. 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 loans 
from SECU, or take out other loans with SECU i n the future, collateral securing those 
other loans will also secure the obligations under this Agreement. However, unless you 
expressly agree otherwise, your household goods and dwelling will not secure your 
obligations under this Agreement even if SECU h as or later acquires a security 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 Savings or Money 
Manager account, as security for any advances to yo u or on your behalf on any SECU 
VISA Credit Card, excepting those accounts that have an adverse tax consequence.  
20. CASH  ADVANCES:  Cash advances can be obtained through an ATM, convenience 
checks, SECU branches and other financial institutions. Upon your written direction or 
through SECU�s website, cash advances may be made against your VISA account and 
applied to any of your SECU share accounts, or other accounts in the same manner as if 
the cash advances were paid to you. Deposit of the cash advance to a ny of your SECU 
accounts obligates you to the repayment of the cash advance per this Agreement.  
21. BALANCE  TRANSFER(S):  Balance Transfers are treated as a cash advance. Finance 
charges for balance transfers will begin to accrue from date of the transactio n 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 whichever 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 balance 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 reque st. 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 you may lose dispute rights.  
22. EFFECT  OF AGREEMENT:  This agreement is the contract that applie s to all 
transactions on your account even though the sales, cash advances, credit or other 
slips 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 a nd 
State law. Your use of the card after the effective date of the amendment will indicate 
your agreement to the amendment.  
23. GOVERNING  LAW:  This agreement is governed by the Annotated Code of Maryland, 
Financial Institutions Article, Title 6 and the Ann otated Code of Maryland, Commercial 
Law Article, Title 12, Subtitle 9 and applicable federal law or regulation.  
24. VISA  STATEMENTS  AND  NOTICES:  On a regular basis, you will receive a statement 
showing all transactions for this account during the period co vered by the statement. 
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.  
25. 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 you 
provide to us changes. You also agree to provide SECU with updated financial 
information about yourself upon request.  
26. COPY  RECEIVED:  By signing, using or accepting the SEC U VISA card, you 
acknowledge receipt of this Agreement and agree to terms herein.  
27. 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 on the 
check. Yo u 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 stopped. We 
may disregard any such order six months after our receipt unless you renew it in writing.  
28. 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 effective within 
five days after we receive it. If you cancel your Account, you must pay everything you 
owe us, incl uding any amounts owed but not yet billed to you if you 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 CHARGES 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 Convenience Checks to us.  
YOUR  BILLING  RIGHTS  KEEP  THIS  NOTICE  FOR  FUTURE  USE:  This notice contains 
important information about your rights and re sponsibilities under the Fair Credit Billing 
Act. 
NOTIFY  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 transaction 
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 you 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 Me tro Area) or (Toll Free) 
1-800-879-7328, but doing so will not preserve your rights. In your letter, give us the 
following information:  
1. Your name and account number.  
2. The dollar amount of the suspected error.  
3. 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.  
YOUR  RIGHTS  AND  OUR  RESPONSIBILITIES  AFTER  WE RECEIVE  YOUR  WRITTEN  
NOTICE:  We must acknowledge your letter within 30 days, unless we have corrected 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 cannot 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, including 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 investigating, but you are still obligated to pay the 
parts o f your statement that are not in question. If we find that we made a mistake on 
your statement, you will not have to pay any FINANCE CHARGES related to any 
questioned amount. If we didn�t make a mistake, you have to pay FINANCE CHARGES, 
and you will have t o 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 report you as delinquent. 
However, if our ex planation does not satisfy 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 account. We must tell you the name of anyone we reported you 
to, and w e must tell anyone we reported 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 statement was correct.  
SPECIAL  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 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 th e property or services.There are two limitations on this 
right:  
a. 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  
b. The purchase must have been more than $50.  
These limitations do not apply if we own or operate the merchant, or if we mailed you 
the advertisement for the property or services.  
BUSINESS  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.  
TYPES  OF AVAILABLE  TRANSFERS  AND  LIMITS  ON TRANSFERS:  You may use your 
card to:  
a. Pay for purchases at places that agreed to accept the card.  
b. Obta in cash advances from our ATMs or at any ATM displaying the VISA logo in 
conjunction with your PIN.  
c. 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 m ay make from 
our ATMs except that:  
1. You may not make any cash withdrawals that would result in an outstanding account 
balance in excess of your credit limit; and  
2. 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.  
CIRCUMSTANCES  IN WHICH  WE WILL  DISCLOSE  ACCOUNT  INFORMATION  TO THIRD  
PARTIES:  We will disclose information to third parties about your account or transfers 
that you make:  
a. When it is nece ssary for completing transfers, or  
b. To verify the existence and condition of your account for a third party, such as a 
credit bureau or merchant, or  
d. To comply with government agency or court orders, or  
c. If you give us your written permission.  
YOUR  RIGHTS  TO RECEIVE  DOCUMENTATION  OF TRANSACTIONS  
a. You can get a receipt at the time you make any cash advance using one of our 
automated teller machines.  
b. You will get a monthly account statement unless there are no transactions in that 
particular month and your balance is zero.  
c. You may also receive a statement if there is an amendment to terms.