1215 York Road
Lutherville, MD 21093-6262
(410) 321-6060

CREDIT CARD AGREEMENT

INTHISAGREEMENT,"YOU"AND"YOUR"MEANANYPERSON
DESIGNATEDBYYOUUNDERTHETERMSOFTHISAGREEMENT."WE",
SUCCESSORS.

WHOACCEPTSTHISAGREEMENTORUSESTHECARD.THE"CARD"MEANSANYCREDITCARDISSUEDTOYOUORTHOSE

"US","OUR"ANDTHE"CREDITUNION"MEANSFIRSTFINANCIALFEDERALCREDITUNIONOFMARYLANDORITS

SECURE

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL
SECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTS
YOU HAVE WITH US NOW AND IN THEFUTURETO
REPAYMENTOFCREDITEXTENDEDUNDERTHISAGREEMENT.YOU
ALSOAGREETHAT WEHAVESIMILARSTATUTORYLIENRIGHTS
UNDERSTATEAND/ORFEDERALLAW.THEGRANTINGOFTHIS
SECURITYINTERESTIS
CREDITUNDERTHISAGREEMENT.IFYOUAREINDEFAULT,WE
CANAPPLYYOURSHARESTOTHEAMOUNTYOUOWE.
depositsinanIndividualRetirementAccountoranyotheraccountthat
wouldlosespecialtaxtreatmentunderstateorfederallawifgivenare
not subject to this security interest. 
Ifyouhaveotherloanswithus,collateralsecuringsuchloansmay
alsosecureyourobligationsunderthisAgreement,unlessthatother
collateralisyourprincipalresidenceornon-purchasemoneyhousehold
goods.  

A CONDITION FORTHE ISSUANCEOF

Sharesand

UsingYourCard. Youcanpurchaseorleasegoodsandservicesfromany
merchantwhohonorsyourCard,andyoumayobtaincashadvancesfrom
financialinstitutionsandATMmachinesthataccepttheCard,uptoyour
maximumcreditlimit.YouagreenottopresentyourCardorobtaina
cashadvanceforanyextensionofcreditinexcessofyouravailablecredit
limit;however,ifyoudoexceedyourcreditlimit,youagreetomake
immediatepaymentsufficienttobringthebalancebelowthecreditlimit.
Certain purchases and cash advances require authorization prior
completion of
provideidentification.Ifoursystemisnotworking,wemaynotbeableto
authorizeatransaction,eventhoughyouhavesufficientcreditavailable.
Also,forsecurityreasons,wemayblocktheuseofyourCardincertain
countriesorgeographicareas.Wewillhavenoliabilitytoyouorothersif
any of these events occur. 

Insomecases,youmaybeaskedto

the transaction.

to

(PIN)

for use with

(PIN). We may

Identification Number

Personal
Identification Number
confidentialandshouldnotbedisclosedtoanyone.Youmayuseyour
PINandyourCardtoaccessyouraccount,
addedtoyouraccountbalance.IntheeventauseofyourPINconstitutes
anElectronicFundsTransfer,thetermsandconditionsofyourElectronic
Funds Transfer Agreement may affect your rights. 

andallsumsadvancedwillbe

issue a Personal
your Card. This PIN is

pay us in U.S. dollars for

Pay. You promiseto

PromiseTo
purchases,cashadvances,andbalancetransfersmadebyyouoranyone
whomyouauthorizetousetheCard;(b)allInterestChargesandallother
chargesorfees;(c)collectioncostsandattorney'sfeesaspermittedby
applicablelaw,andanycostsincurredintherecoveryoftheCard;and(d)
credit in excess of your credit limit that we may extend to you.  

asdeterminedby

anyillegaltransactions

IllegalTransactions. Youagree thatyourCardandaccountwillnotbe
usedto makeorfacilitate
applicablelaw;andthatanysuchusewillconstituteaneventofdefault
underthisAgreement.Wemaydeclineanytransactionthatwebelieveto
beillegalunderapplicablelaw,includingbutnotlimitedtoanytransaction
involvingorrelatingtoanygamblingactivity.Youagreethatwewillhave
noliabilityorresponsibilityforanysuchusebyyouoranyauthorized
user(s);or
indemnify andholdusharmlessfromanysuits,
adverseactionofanykindthatresultsdirectlyorindirectlyfromsuch
illegaluse.Youpromisetopayusanyandallamountsowingonyour
Cardfor
determined to be illegal. 

any transactions madeby

you, even if

for declining any such transaction. You further agreeto
liability, damagesor

the transaction is

If you allow anyone elseto

OthersUsingYourAccount.
account,youwillbeliableforallcreditextendedtosuchpersons.You
promisetopayforallpurchasesandadvancesmadebyanyoneyou
authorizetouseyouraccount,whetherornotyounotifyusthatheor
shewillbeusing
youwanttoendthatperson'sprivilege,youmustnotifyusinwriting,
andifheorshehasaCard,youmustreturnthatCardwithyourwritten
notice for it to be effective.    

it.Ifsomeoneelseisauthorizedtouseyouraccountand

use your

OwnershipofCard. YourCardremainsourpropertyandmaybecancelled
byusatanytimewithoutnotice.YouagreetosurrenderyourCardand
to discontinue use of the account immediately upon our request. 

transactions :

balance, we take the

day,addanynewpurchases,cashadvances,

the averagedaily

AverageDailyBalanceincludingnew

InterestCharges.
InterestChargeswillaccrueonyouraveragedailybalanceoutstanding
during the month. To get
beginningbalanceeach
balancetransfersorotheradvances,anddebitadjustmentsandsubtract
anyunpaidinterestchargesandanyunpaidlatecharges.Thisgivesus
thedailybalance.Then,weaddupallthedailybalancesforthebilling
cycleanddividethatbythenumberofdaysinthebillingcycle.Wethen
multiplythatbytheperiodicratecorrespondingtotheAnnualPercentage
Rateonyouraccount.Ifyouhavedifferentratesforpurchases,cash
advancesorbalancetransfers,separateaveragedailybalancesforeach
will becalculatedandtheappropriateperiodicrateisthenapplied
each.

YoucanavoidInterestChargeson

GracePeriodonPurchasesOnly:
purchasesbypayingthefullamountofthenewbalanceforpurchases
eachmonthbythedateonwhichthepaymentisdue.Otherwise,the
newbalanceofyouraccount,andsubsequentadvancesfromthedate
theyarepostedtotheaccount,willbesubjecttoanInterestCharge.You
cannotavoidInterestChargesoncashadvances;evenifyoupaythe
entirecashadvancebalancebythepaymentduedate,youwillincurthe
InterestChargesaccruedfromthedatethecashadvanceispostedto
your account. 

to

You

Fees. InadditiontotheInterestChargessetforthabove,youagreeto
alsopayanyandallfeesthatyouincurasdisclosedtoyouonyour
Truth-in-LendingStatementorsimilardisclosures(asmaybeamended
from time to time), or as disclosed to you during the term of your Card.

(a)all

doesnot

theCardbysomeoneotherthanyouwho

IfYourCardisLostorStolenorifanUnauthorizedUseOccurs.
agreetonotifyusimmediatelyifyourCardiseverlostorstolenorifan
unauthorizedusemayhaveoccurred."Unauthorizeduse"meanstheuse
of
impliedorapparentauthorityforsuchuse,andfromwhichyou
benefit.Thetelephonenumbertocallis(410)321-6060.
follow upyourcallwith
Lutherville,MD21093.
Youalsoagreetoassistusindeterminingthe
facts,circumstancesandotherpertinentinformationrelatingtoanyloss,
theftorpossibleunauthorizeduseofyourCardandcomplywith
proceduresaswemayrequireinconnectionwithourinvestigation.You
willbeliableforanyunauthorizeduseonlyifwecanprovethatyouwere
grosslynegligentinyouruseorhandlingofyourCard,orifwecan
that you used your Card fraudulently.

noticeinwriting

tousat:1215

haveactual,
receiveno

Youagreeto
YorkRoad,

such

prove

JointAccounts. Eachofyouwillberesponsible,jointlyandseverally,for
the repayment of amounts owed,
transaction under the account. 

regardless of who initiated any

9011 LASER SYM FI14470 5-2010

page 1 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

INTHISAGREEMENT,"YOU"AND"YOUR"MEANANYPERSONWHOACCEPTS
DESIGNATEDBYYOUUNDERTHETERMSOFTHISAGREEMENT."WE",
SUCCESSORS.

THISAGREEMENTORUSESTHECARD.THE"CARD"MEANSANYCREDITCARDISSUEDTOYOUORTHOSE
"US","OUR"ANDTHE"CREDITUNION"MEANSFIRSTFINANCIALFEDERALCREDITUNIONOFMARYLANDORITS

Paymentsaredueinthe

MinimumPaymentDue;CreditingofPayments.
amountandonthedatedisclosedonyourbillingstatement.
paymentisreceivedbyusonabusinessdayattheaddressandbythe
time designated onthe
accountonthedateofreceipt.Ifpaymentismadeatanylocationother
thantheaddressdesignatedontheperiodicstatement,creditforsuch
paymentmaybedelayeduptofive(5)days.Paymentswillbeappliedin
any order we determine, subject to applicable law.  

billingstatement,

it will becredited

Ifyour

to your

AllocationofPaymentsandAdditionalPayments:
shallbeappliedinthefollowingorder:anyamountspastdue;anyfeesor
chargesowing,includinganyfeesorpremiumsforadditionalproducts
purchased;accruedinterest
Paymentsmadeinadditionto
applied in the same order.

orfinancecharges;outstanding

regularlyscheduledpaymentsshallbe

Paymentsandcredits

principal.

Ifwemakeaskippaymentoptionavailable,youmayskip

SkipPayment:
makingyourpayment(s)forcertainmonth(s).Ifyouchoosethisoption,
interestwill
imposedduringtheskipperiod.Allcredittermsapplicableimmediately
prior to the skip period will again apply once the skip period has expired.

continuetoaccrue,butnolatepaymentchargeswill

be

inaccurate, or misleading statements in any credit

Youwillbein

Agreement or underother

Default;Acceleration;CreditSuspension;CollectionCosts.
defaultif:(1)youfailtomakeanypaymentontime;(2)ifyoufailtokeep
any promisesyou
havemadeunderthis
Agreementsyouhavewithus;(3)ifyoudie;(4)ifyoufileapetitionin
bankruptcy orhave
petitionfiledagainstyou,orifyou
abankruptcy
becomeinvolvedinanyinsolvency,receivershiporcustodialproceeding;
(5)ifanyoneattemptstotakeanyofyourfundsheldbyusvialegal
processorifyouhaveajudgmentortaxlienfiledagainstyou;(6)ifyou
make any false,
applicationorcreditupdate;or(7)ifwe,ingoodfaith,believethatyour
abilitytorepaywhatyouoweisorsoonwillbeimpaired,orthatyouare
unwilling to make your payments.   
Ifyouareindefault,wehavetherighttodemandimmediate
yourfullaccountbalancewithoutgivingyounotice.Ifimmediatepayment
isdemanded,youagreetocontinuepayinginterestchargesandfeesuntil
whatyouowehasbeenpaid,andanysharesthatweregivenassecurity
foryouraccountmaybeappliedtowardswhatyouowe.Youagreeto
payallreasonablecostsofcollection,includingcourtcostsandattorney's
fees,andanycosts
incurredintherecoveryoftheCard,subjectto
applicablelaw.Evenifyourunpaidbalanceislessthanyourcreditlimit,
youwillhavenocreditavailableduringanytimethatanyaspectof
account is in default.   

paymentof

AdditionalBenefits/CardEnhancements. Wemayfromtimetotimeoffer
additionalservicestoyourAccount
understandthatwearenotobligatedtooffersuchservicesandmay
withdraw or change them at any time.  

atnoadditionalcosttoyou.You

ConvenienceChecks. Wemay,atourdiscretion,issuecheckstoyou
whichmaybeusedforanypurposeotherthanmakingapaymentfor
credittoyouraccount.Bysigningsuchcheck,youauthorizeustopay
theitemfor
advancetoyouraccount.Wedonothavetopayanyitemwhichwould
causethe outstandingbalanceinyouraccounttoexceedyourcreditlimit.

theamountindicatedandpost

suchamountasacash

date in each instance. All

processing

the applicable central

cardcompanyitselfreceives,orthegovernment-mandatedrateineffect
for
transactionsprocessedoutsideoftheUnitedStates(whichmayinclude
internettransactions)will
bechargedaforeigntransactionfeeinthe
amountdisclosedonyourTruth-in-LendingStatement(asamendedfrom
time to time).  
Termination;Change-in-Terms. Wemay,bywrittennotice,
Agreementatanytime,subjecttoapplicablelaw.Youmayterminatethis
Agreementbywrittennotice.Terminationbyeitherpartyshallnotaffect
yourobligationtorepayanypaymentsmadeforyouraccountresulting
fromuseoftheCardaswellasInterestChargesandfeesincurred.We
may changethe
calculatingtheperiodicrate,atanytime,bywritten
applicablelaw.UseoftheCardconstitutesagreementandacceptanceof
anychangeinterms,unlessapplicablelawrequiresotherwise.Ourfailure
toexerciseanyofourrightsor
waiverofthoserights,oranamendmentorchangeinanyofthetermsof
this Agreement.   

this Agreement,

terms of

totakeanyactionshallnotconstitutea

including the method of

notice,subjectto

terminatethis

interest costs. Partialpayments

Anypaymentthatdelaysthereductionofyour

total

increase your

LateorPartialPayments.
balance will
prepaymentswillnotdelayyournextscheduledpayment-youwillstill
needtomaketheminimumscheduledpaymentbythenextscheduled
duedatetokeepyouraccountcurrent.Wemayacceptlatepayments,
partialpayments,checksormoneyordersmarked"paymentinfull"and
suchactionshallnotconstitute
finalsettlementofyouraccount
waiver or forgiveness of any amounts owing under this Agreement. 

or

ora

Enforcement. We do not
agreementifwedelayenforcingthem.Ifanyprovisionofthisorany
relatedagreementisdeterminedtobeunenforceableorinvalid,allother
provisions remain in full force and effect. 

rights under

lose our

this or any related

ReturnsandAdjustments. MerchantsandotherswhohonortheCardmay
givecreditforreturnsoradjustments,andtheywilldosobysubmittinga
creditslipwhich
paymentsexceedwhatyouoweus,theamountwillbeappliedagainst
futurepurchasesandcashadvances.Acreditbalancemayberefunded
to your share account upon your written or verbal request. 

will bepostedtoyouraccount.

Ifyourcreditsand

your

PlanMerchantDisputes. Wearenotresponsiblefortherefusalofany
planmerchantorfinancialinstitutiontohonoryourCard.Also,wearenot
responsibleforgoodsorservicesthatyoupurchasewiththeCardunless:
(a)yourpurchasewasmadeinresponsetoanadvertisementwesentor
participatedinsendingyou;or(b)yourpurchasecostmorethan$50and
wasmadefromaplanmerchantinyourstateorwithin100milesofyour
home;andonlyifyouhavemadeagoodfaithattempt,buthavebeen
unabletoobtainsatisfactionfromtheplanmerchant.Youmust
otherdisputesdirectlywiththeplanmerchant.Wedonotwarrantany
merchandise or services purchased by you with the Card. 

resolveall

StatementsandNotices.
themostrecentpostaladdressore-mailaddress(ifyouhaveelectedto
receivesuchdocumentsviaelectronicmeans)youhavegivenus.Notice
sent to any one of you will be considered notice to all.

Statementsandnoticeswillbemailedtoyouat

Information. We may from time to time request personal

Credit
informationfromyouorobtaincreditreportsfromthecreditreporting
agenciesforthepurposeofupdatingyourcreditstatus.Yourfailureto
providesuchinformationwhenrequestedbyusmayresultinsuspension
ofcreditprivilegesunderthisAgreement,includingyourabilitytoobtain
anyfutureadvancesbyanymeans.Youauthorizeustoinvestigateyour
creditstandingwhenopeningorreviewingyouraccount.Youauthorize
ustodiscloseinformationregardingyouraccounttocreditbureauand
creditors who inquire about your credit standing. 

Foreign Transactions; Currency Conversion. Purchases
advancesmadeinforeigncurrencieswillbebilledtoyouinU.S.dollars.
Theconversionrateindollarswillbearateselectedbythecardcompany
fromarangeofratesavailableinwholesalecurrencymarketsforthe
applicable central processing date, which rate may vary from the rate the 

and cash

NotificationofAddressChange.
youraddressforanyreason.Inorderto
identity may need to be verified before we act upon the notification. 

preventidentity

Youwillnotifyuspromptlyifyouchange

theft, your

CopyReceived. Youacknowledgethatyouhavereceivedacopyofthis
Agreement.  

GoverningLaw. ThisAgreementshallbeconstruedunderfederallawand
state lawinthestateinwhichweareprimarilylocated,andthevenue
shallbelocatedinthecountyandstateinwhichweareprimarilylocated.
OperatingregulationsofVisamayalsoapply.ThisAgreementisthe
contract
advance,conveniencecheck,creditorotherslipsyousignorreceivemay
contain different terms.

that appliesto

alltransactions

eventhough

thesales,cash

page 2 of 3

Thisnoticetellsyouaboutyourrightsand
Fair Credit Billing Act.

ourresponsibilitiesunderthe

-

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

thereisanerroronyourstatement,

What To Do If You Find A Mistake On Your Statement 
Ifyouthink
address(es) listed on your statement. 
In your letter, give us the following information: 
1.Yournameandaccountnumber.
2.Thedollaramountofthesuspectederror.
3.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveis

write tousatthe

wrongandwhyyoubelieveitisamistake.

You must contact us:
- Within60daysaftertheerrorappearedonyourstatement.
- Atleast3businessdaysbeforeanautomatedpaymentisscheduled,

ifyouwanttostoppaymentontheamountyouthinkiswrong.

usofanypotentialerrorsinwriting.Youmaycallus,but

Youmustnotify
ifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyou
may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1.Within30daysofreceivingyourletter,wemusttellyouthatwe

receivedyourletter.Wewillalsotellyouifwehavealreadycorrected
theerror.

2.Within90daysofreceivingyourletter,wemusteithercorrectthe

errororexplaintoyouwhywebelievethebilliscorrect.
While we investigate whether or not there has been an error:
- Wecannottrytocollecttheamountinquestion,orreportyouas

delinquentonthatamount.

- Thechargeinquestionmayremainonyourstatement,andwemay

continuetochargeyouinterestonthatamount.

- While you do not haveto

paythe

amount

in question, you are

responsiblefortheremainderofyourbalance.

- Wecanapplyanyunpaidamountagainstyourcreditlimit.
After we finish our investigation, one of two things will happen:
-

If we madeamistake:
questionoranyinterestorotherfeesrelatedtothatamount.

not haveto

Youwill

paythe

amount

in

Ifwedonotbelievetherewasamistake:Youwillhavetopaythe
amountinquestion,alongwithapplicable
sendyouastatementoftheamountyouoweandthedatepaymentis
due.Wemaythenreportyouasdelinquentifyoudonotpaythe
amountwethinkyouowe.

interestandfees.Wewill

Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmust
writetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudo
so,wecannotreportyouasdelinquentwithout
arequestioningyourbill.Wemusttellyouthenameofanyonetowhom
wereportedyouasdelinquent,andwe
when the matter has been settled between us. 
Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst
$50 of the amount you question even if your bill is correct. 

mustletthoseorganizationsknow

alsoreportingthatyou

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchased
with yourcreditcard,andyouhavetriedingoodfaithtocorrectthe
problemwith
themerchant,
remainingamountdueonthepurchase.Tousethis
following must be true: 
1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100

youmayhavetheright

to paythe

not
right, allofthe

milesofyourcurrentmailingaddress,andthe
havebeenmorethan$50.
yourpurchasewasbasedonanadvertisementwemailedtoyou,orif
weownthecompanythatsoldyouthegoodsorservices.)

(Note:Neitherofthesearenecessaryif

purchasepricemust

2.Youmusthaveusedyourcreditcardforthepurchase.Purchases

madewithcashadvancesfromanATMorwithacheckthataccesses
yourcreditcardaccountdonotqualify.

3.Youmustnotyethavefullypaidforthepurchase.
Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththe
purchase, contact
us in writing at
statement. 
Whileweinvestigate,thesamerulesapplytothedisputedamountas
discussedabove.Afterwefinishourinvestigation,wewilltellyouour
decision.Atthatpoint,ifwethinkyouoweanamountandyoudonot
pay, we may report you as delinquent. 

the address(es)listed

on your

page 3 of 3