CREDIT CARD  AGREEMENT 
AND  ACCOUNT OPENING 
DISCLOSURES 

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 waiving 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 in  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 has  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   you  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  advance were  paid  to  you.  Deposit 
of the  cash  advance to  any  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  transaction and  continue to  accrue 
until  payment  in  full  is  credited  to  your    account.  Total    value  of 
transfer  request(s)  cannot  exceed 
  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.  Do  not  transfer  any    disputed  purchase  or    charge 
because  you   may   lose dispute right. 

  credit  line 

22.  EFFECT  OF  AGREEMENT:  This   agreement  is  the   contract 
that  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. We may  amend this agreement from  time to 
time by  sending you  the  advance written notice  required by Federal 
and   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   Annotated  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 covered 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   SECU 
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.   You  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. 

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.  Obtain 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  may  make from  our  ATMs  except that: 

a.  You  may  not  make any  cash  withdrawals that  would  result in  an 
outstanding  account balance in  excess  of your  credit limit; and 

b.  You  may  only  make a  total of $300  in  cash  advance withdrawals 

per  day  with a  minimum of $10.00. 

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  necessary 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 

c. To comply  with government agency or  court orders, or 

d.  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. 

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,   including  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 
responsibilities 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  Metro  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 of 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  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  report you  as  delinquent.  However, 
if our  explanation 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  we  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  CREDITCARD 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  the   property  or 
services. 

There are  two  limitations on  this right: 

a.  You  must  have made the   purchase in  your  home   state or,  if  not 

DD9109 (11/10) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 
ANNUAL PERCENTAGE 
RATE (APR) for Purchases 
Platinum Visa 
Card/Scorecard 

8.99% to 17.99%  
(Rates based on your 
creditworthiness) 

APR for Balance  Transfers 
and Cash Advances 
Platinum Visa 
Card/Scorecard 

8.99% to 17.99%  

(Rates based on your 
creditworthiness) 

How to Avoid Paying 
Interest on 
purchases 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Fees 

Annual Fee 

Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

Your due date is at least 
25 days after the close of 
each billing cycle.  We 
will  not charge you interest on 
purchases if you pay your entire 
balance by the due date each 
month. 

To learn more about facts to 
consider when applying for or 
using a credit card, visit the 
website of the Consumer 
Financial Protection Bureau 
at http://www.consumer 
finance. gov/learnmore 

None 

None 
None 
Up to 1% of the amount of the 
transaction in US dollars 

Penalty Fees 
•  Late Payment 
•  Returned Payment 

Up to $25.00 
Up to $15.00 

How We  Will  Calculate  Your Balance:  We  use  a  method called 
“average daily  balance (including new  purchases)” 

Billing  Rights:  Information on  your  rights to  dispute transactions 
and  how    to  exercise  those  rights  is  provided  in    your    account 
agreement. 

In  this  agreement,  the  words    “you”  and    “your”    mean  each    person 
who  has  signed the  application for  the  card. “Card”  means the  SECU 
VISA  Platinum  Credit  Card,  SECU  VISA  Platinum    ScoreCard™ 
Credit  Card,  or  the   SECU  VISA  Student  Credit  Card,  as  the   case 
may   be,   and   any    duplicates  and    renewals  we   issue.   “Account” 
means your VISA  Credit Card  line  of Credit account with  us.  “We”, 
“us”  and  “ours”   mean  State  Employees Credit  Union  of  Maryland, 
Incorporated  (SECU). 

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. You 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 
account. Each  of  you  who  has signed the   application 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  purposes. 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) 
has  been  lost  or  stolen, you  will  immediately call  us  at 410-487-7328 
or  1-800-879-7328, Monday  through    Friday,  8:00  a.m.   to  5:00  p.m. 
During evenings, weekends and holidays, call  1-800-299-9842. 

3.   LIABILITY  FOR   UNAUTHORIZED  USE:   You   understand 
that  you   may   not   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  establish 
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 of 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   from   time  to  time,  or  with 
good  cause,  revoke  your   card   and   terminate  this  agreement.  Good 
cause  includes  your   failure  to  comply   with  the   agreement,  or  our 
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  and   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  your  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  payment  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) 
1.00  %  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  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  “payment  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   periodic 
rate  to   the    “average  daily    balance”  of  your   account   (including 
current transactions). 

Platinum Credit Card Rates 
Monthly Periodic Rate     ANNUAL PERCENTAGE  RATE* 

8.99% 
0.75%  
0.83%  
9.99% 
 0.99%                                        11.99% 
13.99% 
 1.16%  
16.99% 
 1.42%  
  1.50%                                        17.99% 

*The   Annual  Percentage  Rate  and   monthly  periodic rate  on  your 
account appears  on  your  welcome  letter, which  rate is  incorporated 
herein  by   reference.  The    corresponding   monthly   periodic  rate 
appears above  next to  that  Annual Percentage Rate. 

To   get   the    “average  daily    balance”   for   purchases  we   take  the 
beginning 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  fail  to  pay  at 
least the  minimum payment within 15  days  after it is  due,  we  may 
assess a  late charge of up  to  $25.00 for  each  delinquent payment. 

10.    THE    CONDITIONS  UNDER  WHICH    ANY    OTHER 
CHARGES  MAY  BE   IMPOSED: These  charges  will  be  added  to 
your  purchase balance. 

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. RESEARCH CHARGE PER ITEM  – A $6.00  fee will be charged 

to  your  account if you  request a  copy  of a  sale  or  cash  advance draft 
that  is  not   part  of  a  chargeback  or  fraud  claim. This   fee  will  also 
apply to  each  statement request. 

C. ADDITIONAL CARDS –We  will  issue up  to  four  (4) cards at no 
cost.  Rush requests are  $25.00 per  request. 

11. DEFAULT: 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  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.   You  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  is   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   or  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  transaction 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  balance  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.  An  International  Transaction Fee  up  to  1%  will 
be  assessed on  all  transactions  where the   merchant  country differs 
from  the  country of the  card  issuer. The  converted transaction  will 
be   shown  separately    from   the   International  Transaction  Fee   on 
your  billing statement.  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  may  vary 
from   the   rate  Visa   itself   receives,  or   the   government  mandated 
rate  in   effect   for  the   applicable  central  processing  date  plus   the 
International  Transaction Fee  of up  to  1%. 

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