First Financial of Maryland Federal Credit Union 
1215 York Road
Lutherville, MD 21093-6262
(410) 321-6060

CREDIT CARD AGREEMENT

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION OR ITS
SUCCESSORS. 

Joint Accounts. Each of you will be responsible, jointly and severally, for 
SECURITY: YOU  SPECIFICALLY GRANT US  A  CONSENSUAL  the repayment of amounts owed, regardless of who initiated any 
SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS  transaction under the account. 
YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE 
REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU  Others Using Your Account. If you allow anyone else to use your 
ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS  account, you will be liable for all credit extended to such persons. You 
UNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS  promise to pay for all purchases and advances made by anyone you 
SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF  authorize to use your account, whether or not you notify us that he or 
CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE  she will be using it. If someone else is authorized to use your account and 
CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and  you want to end that person's privilege, you must notify us in writing, 
deposits in an Individual Retirement Account or any other account that  and if he or she has a Card, you must return that Card with your written 
would lose special tax treatment under state or federal law if given are  notice for it to be effective. 
not subject to this security interest. 
If you have other loans with us, collateral securing such loans may  Ownership of Card. Your Card remains our property and may be cancelled 
also secure your obligations under this Agreement, unless that other  by us at any time without notice. You agree to surrender your Card and 
collateral is your principal residence or non-purchase money household  to discontinue use of the account immediately upon our request. 
goods. 

Using Your Card. You can purchase or lease goods and services from any 
merchant who honors your Card, and you may obtain cash advances from 
financial institutions and ATM machines that accept the Card, up to your 
maximum credit limit. You agree not to present your Card or obtain a 
cash advance for any extension of credit in excess of your available credit 
limit; however, if you do exceed your credit limit, you agree to make 
immediate payment sufficient to bring the balance below the credit limit. 
Certain purchases and cash advances require authorization prior to 
completion of the transaction. In some cases, you may be asked to 
provide identification. If our system is not working, we may not be able to 
authorize a transaction, even though you have sufficient credit available. 
Also, for security reasons, we may block the use of your Card in certain 
countries or geographic areas. We will have no liability to you or others if 
any of these events occur. 

Personal Identification Number (PIN). We  may issue a  Personal 
Identification Number (PIN) for use with your Card. This PIN is 
confidential and should not be disclosed to anyone. You may use your 
PIN and your Card to access your account, and all sums advanced will be 
added to your account balance. In the event a use of your PIN constitutes 
an Electronic Funds Transfer, the terms and conditions of your Electronic 
Funds Transfer Agreement may affect your rights. 

Promise To Pay. You promise to pay us in U.S. dollars for (a) all 
purchases, cash advances, and balance transfers made by you or anyone 
whom you authorize to use the Card; (b) all Interest Charges and all other
charges or fees; (c) collection costs and attorney's fees as permitted by 
applicable law, and any costs incurred in the recovery of the Card; and (d) 
credit in excess of your credit limit that we may extend to you. 

Illegal Transactions. You agree that your Card and account will not be
used to make or facilitate any illegal transactions as determined by 
applicable law; and that any such use will constitute an event of default 
under this Agreement. We may decline any transaction that we believe to 
be illegal under applicable law, including but not limited to any transaction 
involving or relating to any gambling activity. You agree that we will have 
no liability or responsibility for any such use by you or any authorized 
user(s); or for declining any such transaction. You further agree to 
indemnify and hold us harmless from any suits, liability, damages or 
adverse action of any kind that results directly or indirectly from such 
illegal use. You promise to pay us any and all amounts owing on your 
Card for any transactions made by you, even if the transaction is 
determined to be illegal. 

Interest Charges. Average Daily Balance including new transactions: You 
agree to pay interest at the rate(s) disclosed to you at the time you open 
your account and as may be changed from time to time in accordance 
with applicable law. Interest Charges will accrue on your average daily 
balance outstanding during the month. To get the average daily balance, 
we take the beginning balance each day, add any new purchases, cash 
advances, balance transfers or other advances, and debit adjustments 
and subtract any unpaid interest charges and any unpaid late charges. 
This gives us the daily balance. Then, we add up all the daily balances for 
the billing cycle and divide that by the number of days in the billing cycle. 
We then multiply that by the periodic rate corresponding to the Annual 
Percentage Rate on your account. If you have different rates for 
purchases, cash advances or balance transfers, separate average daily 
balances for each will be calculated and the appropriate periodic rate is 
then applied to each.

Grace Period on Purchases Only: You can avoid Interest Charges on 
purchases by paying the full amount of the new balance for purchases 
each month by the date on which the payment is due. Otherwise, the 
new balance of your account, and subsequent advances from the date 
they are posted to the account, will be subject to an Interest Charge. You 
cannot avoid Interest Charges on cash advances and balance transfers; 
even if you pay the entire cash advance balance or balance transfer 
balance by the payment due date, you will incur the Interest Charges 
accrued from the date the cash advance or balance transfer is posted to 
your account. 

Fees. In addition to the Interest Charges set forth above, you agree to 
also pay any and all fees that you incur as disclosed to you on your 
Truth-in-Lending Statement or similar disclosures (as may be amended 
from time to time), or as disclosed to you during the term of your Card. 

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You 
agree to notify us immediately if your Card is ever lost or stolen or if an 
unauthorized use may have occurred. "Unauthorized use" means the use 
of the Card by someone other than you who does not have actual, 
implied or apparent authority for such use, and from which you receive no 
benefit. The telephone number to call is (410) 321-6060. You agree to 
follow up your call with notice in writing to us at: 1215 York Road, 
Lutherville, MD 21093. You also agree to assist us in determining the 
facts, circumstances and other pertinent information relating to any loss, 
theft or possible unauthorized use of your Card and comply with such 
procedures as we may require in connection with our investigation. You 
will be liable for any unauthorized use only if we can prove that you were 
grossly negligent in your use or handling of your Card, or if we can prove 
that you used your Card fraudulently.

9011 LASER SYM FI14470 Rev 7-2012 

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

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION OR ITS
SUCCESSORS.

Minimum Payment Due; Crediting of Payments. Payments are due in the  card company itself receives, or the government-mandated rate in effect
amount and on the date disclosed on your billing statement. If your  for the applicable central processing date in each instance. All
payment is received by us on a business day at the address and by the  transactions processed outside of the United States (which may include
time designated on the billing statement, it will be credited to your  internet transactions) will be charged a foreign transaction fee in the
account on the date of receipt. If payment is made at any location other  amount disclosed on your Truth-in-Lending Statement (as amended from
than the address designated on the periodic statement, credit for such  time to time).
payment may be delayed up to five (5) days. Payments will be applied in  Termination; Change-in-Terms. We may, by written notice, terminate this
any order we determine, subject to applicable law. 

Agreement at any time, subject to applicable law. You may terminate this 
Agreement by written notice. Termination by either party shall not affect
Allocation of Payments and Additional Payments: Payments and credits  your obligation to repay any payments made for your account resulting
shall be applied in the following order: any amounts past due; any fees or  from use of the Card as well as Interest Charges and fees incurred. We
charges owing, including any fees or premiums for additional products  may change the terms of this Agreement, including the method of
purchased; accrued interest or finance charges; outstanding principal.  calculating the periodic rate, at any time, by written notice, subject to 
Payments made in addition to regularly scheduled payments shall be  applicable law. Use of the Card constitutes agreement and acceptance of 
applied in the same order. 
any change in terms, unless applicable law requires otherwise. Our failure 
to exercise any of our rights or to take any action shall not constitute a 
waiver of those rights, or an amendment or change in any of the terms of 
this Agreement. 

Skip Payment: If we make a skip payment option available, you may skip 
making your payment(s) for certain month(s). If you choose this option, 
interest will continue to accrue, but no late payment charges will be
imposed during the skip period. All credit terms applicable immediately 
prior to the skip period will again apply once the skip period has expired. 

Late or Partial Payments. Any payment that delays the reduction of your 
balance will increase your total interest costs. Partial payments or
Default; Acceleration; Credit Suspension; Collection Costs. You will be in  prepayments will not delay your next scheduled payment - you will still
default if: (1) you fail to make any payment on time; (2) if you fail to keep  need to make the minimum scheduled payment by the next scheduled
any promises you have made under this Agreement or under other  due date to keep your account current. We may accept late payments,
Agreements you have with us; (3) if you die; (4) if you file a petition in  partial payments, checks or money orders marked "payment in full" and
bankruptcy or have a bankruptcy petition filed against you, or if you  such action shall not constitute final settlement of your account or a
become involved in any insolvency, receivership or custodial proceeding;  waiver or forgiveness of any amounts owing under this Agreement.
(5) if anyone attempts to take any of your funds held by us via legal
process or if you have a judgment or tax lien filed against you; (6) if you  Enforcement. We do not lose our rights under this or any related
make any false, inaccurate, or misleading statements in any credit  agreement if we delay enforcing them. If any provision of this or any
application or credit update; or (7) if we, in good faith, believe that your  related agreement is determined to be unenforceable or invalid, all other
ability to repay what you owe is or soon will be impaired, or that you are  provisions remain in full force and effect.
unwilling to make your payments.
If you are in default, we have the right to demand immediate payment of  Returns and Adjustments. Merchants and others who honor the Card may
your full account balance without giving you notice. If immediate payment  give credit for returns or adjustments, and they will do so by submitting a
is demanded, you agree to continue paying interest charges and fees until  credit slip which will be posted to your account. If your credits and
what you owe has been paid, and any shares that were given as security  payments exceed what you owe us, the amount will be applied against
for your account may be applied towards what you owe. You agree to  future purchases and cash advances. A credit balance may be refunded
pay all reasonable costs of collection, including court costs and attorney's  to your share account upon your written or verbal request.
fees, and any costs incurred in the recovery of the Card, subject to
applicable law. Even if your unpaid balance is less than your credit limit,  Plan Merchant Disputes. We are not responsible for the refusal of any 
you will have no credit available during any time that any aspect of your  plan merchant or financial institution to honor your Card. Also, we are not 
account is in default. 
responsible for goods or services that you purchase with the Card unless: 
(a) your purchase was made in response to an advertisement we sent or 
participated in sending you; or (b) your purchase cost more than $50 and 
was made from a plan merchant in your state or within 100 miles of your 
home; and only if you have made a good faith attempt, but have been 
unable to obtain satisfaction from the plan merchant. You must resolve all 
other disputes directly with the plan merchant. We do not warrant any 

Additional Benefits/Card Enhancements. We may from time to time offer 
additional services to your Account at no additional cost to you. You 
understand that we are not obligated to offer such services and may 
withdraw or change them at any time. 

Convenience Checks. We may, at our discretion, issue checks to you
which may be used for any purpose other than making a payment for  merchandise or services purchased by you with the Card.
credit to your account. By signing such check, you authorize us to pay
the item for the amount indicated and post such amount as a cash  Statements and Notices. Statements and notices will be mailed to you at
advance to your account. We do not have to pay any item which would  the most recent postal address or e-mail address (if you have elected to
cause the outstanding balance in your account to exceed your credit limit.  receive such documents via electronic means) you have given us. Notice 

sent to any one of you will be considered notice to all.

Credit Information. We may from time to time request personal  Notification of Address Change. You will notify us promptly if you change
information from you or obtain credit reports from the credit reporting  your address for any reason. In order to prevent identity theft, your
agencies for the purpose of updating your credit status. Your failure to  identity may need to be verified before we act upon the notification.
provide such information when requested by us may result in suspension
of credit privileges under this Agreement, including your ability to obtain  Copy Received. You acknowledge that you have received a copy of this
any future advances by any means. You authorize us to investigate your  Agreement.
credit standing when opening or reviewing your account. You authorize
us to disclose information regarding your account to credit bureau and  Governing Law. This Agreement shall be construed under federal law and
creditors who inquire about your credit standing. 

state law in the state in which we are primarily located, and the venue 
shall be located in the county and state in which we are primarily located.
Foreign Transactions; Currency Conversion. Purchases and  cash  Operating regulations of Visa may also apply. This Agreement is the
advances made in foreign currencies will be billed to you in U.S. dollars.  contract that applies to all transactions even though the sales, cash
The conversion rate in dollars will be a rate selected by the card company  advance, convenience check, credit or other slips you sign or receive may
from a range of rates available in wholesale currency markets for the  contain different terms.
applicable central processing date, which rate may vary from the rate the 

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YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the  -  If we do not believe there was a mistake: You will have to pay the
Fair Credit Billing Act. 

amount in question, along with applicable interest and fees. We will 
send you a statement of the amount you owe and the date payment is
due. We may then report you as delinquent if you do not pay the
amount we think you owe.

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the 
address(es) listed on your statement. 
In your letter, give us the following information: 
1. Your name and account number. 
2. The dollar amount of the suspected error. 
3. If you think there is an error on your bill, describe what you believe is  we reported you as delinquent, and we must let those organizations know 

If you receive our explanation but still believe your bill is wrong, you must
write to us within 10 days telling us that you still refuse to pay. If you do
so, we cannot report you as delinquent without also reporting that you
are questioning your bill. We must tell you the name of anyone to whom

wrong and why you believe it is a mistake. 

You must contact us: 
-  Within 60 days after the error appeared on your statement. 
-  At least 3 business days before an automated payment is scheduled, 

when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first
$50 of the amount you question even if your bill is correct.

if you want to stop payment on the amount you think is wrong. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

You must notify us of any potential errors in writing. You may call us, but  If you are dissatisfied with the goods or services that you have purchased
if you do, we are not required to investigate any potential errors and you  with your credit card, and you have tried in good faith to correct the
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. Within 30 days of receiving your letter, we must tell you that we 
received your letter. We will also tell you if we have already corrected 
the error. 

2. Within 90 days of receiving your letter, we must either correct the 

error or explain to you why we believe the bill is correct. 
While we investigate whether or not there has been an error: 
-  We cannot try to collect the amount in question, or report you as 

delinquent on that amount. 

problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase. To use this right, all of the
following must be true:
1. The purchase must have been made in your home state or within 100

miles of your current mailing address, and the purchase price must 
have been more than $50. (Note: Neither of these are necessary if 
your purchase was based on an advertisement we mailed to you, or if
we own the company that sold you the goods or services.) 

2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify. 

3. You must not yet have fully paid for the purchase.

-  The charge in question may remain on your statement, and we may  If all of the criteria above are met and you are still dissatisfied with the 

continue to charge you interest on that amount. 

purchase, contact us in writing at the address(es) listed on your

-  While you do not have to pay the amount in question, you are  statement. 

responsible for the remainder of your balance. 

-  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
-  If we made a mistake: You will not have to pay the amount in  pay, we may report you as delinquent. 

While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point, if we think you owe an amount and you do not

question or any interest or other fees related to that amount. 

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