OPEN-END CREDIT PLAN, DISCLOSURES, CREDIT AGREEMENT, AND SECURITY

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                                                                                                                         OPEN-ENDCREDITPLAN,




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                      1215YorkRoad                                                                              DISCLOSURES,CREDITAGREEMENT,
                      Lutherville,MD21093-6262                                                                        ANDSECURITYAGREEMENT




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                      (410)321-6060
                                                                                                                            ACCOUNTNUMBER
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BORROWER'SNAMEANDADDRESS                                                                                                    DATEOFBIRTH




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CO-BORROWER'SNAMEANDADDRESS                                                                                                 DATEOFBIRTH
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CO-BORROWER'SNAMEANDADDRESS                                                                                                 DATEOFBIRTH
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CO-BORROWER'SNAMEANDADDRESS                                                                                                 DATEOFBIRTH
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AN OPEN-END CREDIT PLAN FROM YOUR CREDIT UNION
ThisOpen-endCreditPlanisaquickandconvenientwayforyoutoobtainaloanwhenyouneedit.Thisisanopen-end,multi-featuredcreditplan.
Weanticipatethatyouwillborrowmoney(called"advances")             fromtimetotimeunderthePlan.Severaltypesofcredit,called"subaccounts",                   are
availableunderthePlan.Financechargeswillaccrueforanyoutstandingbalanceontheplan.Wemay,butdonothaveto,set                          creditlimitsoncertain
subaccountsorontheentireplanasawhole.Theamountofcreditavailableagainstanycreditlimitmayvaryinaccordancewiththepaymentsyou
makeagainstyouroutstandingbalance.      WhenyousignthisOpen-endCreditPlan,youagreetothetermsandconditionsoftheOpen-endPlan,Credit
Agreement,SecurityAgreement,RatesandFeesAddendum,AdvanceReceipt,andanysimilardocumentinconnectionwithyourPlan.Future
advanceswillbegovernedbythesetermsevenwithoutyourfuturesignature.However,wemayrequireyoutosignfurtherdocumentationinorderto
protecttheCreditUnion'ssecurity   interestsorforotherappropriatepurposes.       Advancesmaybeappliedforbytelephone,email,internet,fax,mailor
inperson.
                                                          MEMBER'SDISCLOSURESTATEMENT
HOWTOCOMPUTETHE FINANCECHARGE FORVISA:Wewilladda                           FINANCECHARGE toyouraccountforallcashadvancesandloanadvances
madebyyou.Wewilladda           FINANCECHARGE toyouraccountforpurchasesmadewithyourVISAcard,unlessyourtotaloutstandingbalanceispaid
infullonorbeforethepaymentduedate.The               FINANCECHARGE isdeterminedasfollows:The             FINANCECHARGE onpurchasesisdeterminedby
applyingtheperiodicrateshownbelowtotheaveragedailybalanceofpurchases,whichisthesumofoutstandingbalancesinyouraccount,as
determinedbyincluding      additionalpurchasesanddeductingpaymentsandcredits,dividedbythenumberofdaysinthebillingcycle.The                        FINANCE
CHARGE oncashadvancesisdeterminedbyapplyingtheperiodicrateshownbelowtotheaveragedailybalanceofcashadvances,whichisthesum
oftheoutstandingbalancesinyouraccountoneachdayofthebillingcycle,asdeterminedbyincludingadditionalcashadvancesanddeducting
paymentsandcredits,dividedbythenumberofdaysinthebillingcycle.Wewillapplyyourpaymentinthefollowing                                 order:firstto   FINANCE
CHARGES onpurchases,thento          FINANCECHARGES oncashadvances, thentoanyfeesyouowe,thentotheunpaidprincipalbalanceofpurchases,
thentotheunpaidprincipalbalanceofcashadvances.Iftwoormoretransactionsarepostedthesameday,yourpaymentwillbeappliedtothe
smallestfirst.Theunpaidbalanceisyourpreviousbalance,reducedbypaymentsyoumakeandcreditsweapplyandincreasedbycashadvances,
loanadvances,andpurchasesyoumakeduringthestatement                   period.Cashadvancesandloanadvancesmadebyyouthroughoverdraft                       and
withdrawalsbearinterestfromthedatetheyarepostedtoyourlineofcredit.Purchasesareaddedto                      yourprincipalbalanceasofthedateofposting
toyourlineofcredit.Yourlineofcreditwillbesubjecttoa           FINANCECHARGE (interest)attheperiodicratestatedbelowdependingonthetypeofline
ofcredityouhavewithus.Itisspecificallyunderstoodandagreedthatifwehaveofferedyouaspecialloanratebaseduponrepaymentoftheloan
throughpayrolldeductionfromyourwagesandearnings,ifforanyreasonthepayrolldeductionceasestoremainineffect,FirstFinancialFederal
CreditUnionmay,atitsoption,increaseyourinterestratebyone-half(1/2)             ofone(1)percent,whichincreaseshallremainineffectuntilanyamount
owedunderthisAgreementispaidinfull.WehavetherighttochangethetermsofthisAgreementwith15daysadvancenoticeasrequiredbylaw.
Forallothersubaccounts:      TheFinanceChargeisthetotalcosttoyouofobtainingcreditthroughthiscreditplan.TheFinanceChargebeginstoaccrue
onthedateofeachadvanceandaccruesforeachdaythebalanceremainsunpaid.Theunpaidbalanceforeachdayismultipliedbythedailyperiodic
ratetodeterminetheFinanceChargeforthatday.ThesumofthesedailychargesistheFinanceChargeyouwillpay.The                             unpaidprincipalbalanceis
thatbalancewhichisinyouraccountatthecloseofbusinessafteralltransactions,includingpaymentsandnewborrowings,havebeenentered.

SecurityInterest: Collateralisrequiredforalladvances.Thecreditunionwilltakeasecurityinterestinallyoursharesanddepositsinthecreditunion,
includingfutureadditions,assecurityforadvancesunderthisplan.Additionally,        thecreditunionwilltakeasecurityinterestinthepropertypurchasedwith
theadvanceorinpropertyidentifiedintheAdvance/RevolvingRequestformorothersecurityagreementforeachsecuredadvanceunderthisplan.Property
givenassecurityforanyotherloanheldbythecreditunionwillalsosecureallamountsIoweunderthisplan(seeSecurityAgreementonpage7).

PropertyInsurance: Youarerequiredtocarryinsuranceagainstlossbyfire,theft,orcollisionandcomprehensivecoverageonmotorvehiclesandother
propertypledgedassecurityonyourloan.Theinsurancemaybeobtainedbyanyinsurancebrokerofyourchoice.Theinsurerwaivesallrightsof
subrogationagainsttheconsumer.Ifyoudonotobtainpropertyinsurance,thecreditunionwillprovideitforyou,atyourexpense.

LateCharge: If apaymentismorethan15dayspasttheduedate,youwill                  bechargedalatefeeof$15.00or5%ofthemonthlypaymentwhichever
ismore.

Credit/DebitCards: TheCreditUnionwillissueyoudebitcards,loandrafts,orcreditcards(including,butnotlimitedtodrafts,cards,plates,coupon
books,debitcardsorotherconsumercreditdevices)iftheyarenoworinthefuturemadepartofyouropen-endcreditplan.

OverdraftProtection: IfyourequestOverdraftProtectiontiedtoyourOpen-endPlan,anyoverdraftsonyoursharedraftaccountwillbechargedat
youroption,tooneofthefollowingaccounts:yourpersonallineofcredit,yoursavingsaccount,oryourVISAaccountandwillbesubjecttothe
FinanceChargeapplicabletotheaccount.

SkipPayment: Youmay,atyouroption,skipmakingtheminimumperiodic               paymentsfor1emergencyskipifyoumeetcertaincriteria,or10month
employeescanskipyourJulyandAugustpayments.Ifyouchoosethisoption,wewillcontinuetoapplythefinancechargesdisclosedabove,butno
latepaymentchargeswillbeimposedforthebillingcyclefollowingthemonthofJulyandAugust(for10monthemployees),allcredittermsdisclosed
here(includingminimumpaymentrequirementsandanyapplicablelatecharges)willagainapply.

VISAMinimumPaymentSchedule:
      Balance        Min. Mo. Repayment                 Approx. Mos.               Balance               Min. Mo. Repayment            Approx. Mos.
 $   0.00-   600.00         $ 20.00                          40              $ 6001.00-    8000.00             $ 200.00                     52
   601.00- 1200.00            40.00                          40                8001.00- 10000.00                 250.00                     52
 1201.00- 2000.00             60.00                          46               10001.00- 20000.00                 250.00                     93
 2001.00- 4000.00            100.00                          52               20001.00- 30000.00                 370.00                    114
 4001.00- 6000.00            150.00                          52

                                                     CREDITPLANRATES&FEES
SeeseparateOpen-endCreditPlanRates&FeesAddendumforTypeofTransactions,CreditPlanRates,andFeesthatwillapplytoyourPlan
    NOTICE:SEEATTACHEDNOTICEFORIMPORTANTINFORMATIONREGARDINGYOURRIGHTSTODISPUTEBILLINGERRO
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                                                                  STATELAWNOTICES




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OHIORESIDENTSONLY: TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailabletoallcreditworthycustomers,and
thatcreditreportingagenciesmaintainseparatecredithistoriesoneachindividualuponrequest.TheOhioCivilRightsCommissionadministers




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compliancewiththislaw.




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 WISCONSINRESIDENTS: MaritalStatus:            ~ Married        ~ Unmarried       ~ LegallySeparated
 Ifmarried:thenameofmyspouseis          ~




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 Spouse'sSSN: ~                                ~ Spouse'sAddress(ifdifferent) ~
 Notice: Noprovisionofanymaritalpropertyagreement,unilateralstatementunderSection766.59,                  orcourtdecreeunderSection766.70                  will
 adverselyaffecttherightsoftheCreditUnionunlesstheCreditUnionisfurnishedacopyoftheagreement,statementordecree,orhasactual
 knowledgeofitsterms,beforethecreditisgrantedortheaccountisopened.
 MARRIEDWISCONSINRESIDENTSAPPLYINGFORANINDIVIDUALACCOUNT:                          Bysigninghere,Istatethatthecreditgrantedwillbeincurredin
 theinterestofthemarriageorfamilyoftheBorrower(s).
                                                                                  X

                                                             LOANAPPLICATIONSIGNATURES
BYSIGNINGBELOW,IAGREEASFOLLOWS:

TermsandConditions: IacknowledgethatIhaveread,understandandacceptthetermsandconditionsoftheOpen-endCreditPlan,Disclosures,Credit
Agreement,andSecurityAgreement.IalsounderstandthatImayreceiveanAdvanceReceipt,thattheAdvanceReceiptisapartofmycreditcontract,and
IshouldbeboundbythetermsoftheAdvanceReceipt.IacknowledgethatIhavereceivedcopiesofthesedocuments.                            IfIhaveelectedtoapplyfor
voluntarycreditinsurance,IacknowledgethatIhavereadandunderstandthetermsoftheinsuranceApplicationandCertificate                 ofGroupInsurance;Icertify
thatallinformationgiveninconnectionwiththeApplicationistrueandcomplete;andIacknowledgereceiptofacopyoftheApplicationandCertificate.
Ialsounderstandthatbysigningorendorsinganyadvanceproceedschecksorvouchers,orbyotherwiseaccepting,usingoraccessingadvanceproceeds
noworinthefuture,Ialsoagreetothetermsoftheabovedocuments.                    Ifurtherunderstandandacknowledgethatnoadditionalsignaturesshallbe
requiredforyoutoenforcethetermsoftheaboveagreements,butImaybeasked,andshallberequiredto,provideadditionalsignaturesifyoudeemit
necessary.IalsoagreetoprovideCreditUnionwithanyandallinformationnecessaryforyoutoperfectyour                 securityinterestinanycollateralpledgedin
connectionwithmyadvances,eithernoworinthefuture.

Cross-collateralization: IunderstandandacknowledgethatanyandallcollateralgiveninconnectionwithanyadvancesshallsecureallamountsIowe
thecreditunionnowandinthefuture.           However,non-purchase-moneyhouseholdgoodsshallnotsecureanyloanoradvance,andmyprinciple
dwellingwillnotsecureanyadvanceunderthisOpen-endPlan.

On-goingcreditchecks:     Iunderstandthatyoumayperiodicallyupdatemycreditinformationinordertoevaluatemyon-goingcreditworthiness,
without anyadditionalsignatures,foraslongasmyplanisopenand/oranoutstandingbalanceexists.                        Youmayuseandcommunicateany
informationgatheredforanylawfulpurposeinanymannerallowedbylaw.

CreditInsurance: VoluntaryCredit      Insuranceisavailabletoprotectyourloan.Ifyouareinterestedinapplyingforcoveragepleasecompletethe
InsuranceApplicationonpage3.

PLEDGEOF SHARES: Igrantandpledgetoyouaconsensuallienonallsumsondeposittosecuremyobligationstothecreditunion                                         pursuantto
applicablestatelaw."All       sumsondeposit"     and"shares" forpurposesofthispledgemeansalldepositsinanysharesavings,sharedraft,club,
certificate,P.O.D.,revocabletrustorcustodialaccounts(s),whetherjointlyorindividuallyheld,thatyouhaveondepositnoworinthefuture,allof
whicharedeemed"general         deposits"forthepurposeofthispledge.            MypledgedoesnotincludeanyIRA,Keogh,taxescrow,irrevocabletrustor
fiduciaryaccountinwhichIdonothavevestedownershipinterest.                     Inaddition,IacknowledgeandagreetoimpressmentoftheCreditUnion's
statutorylienrightsundertheFederalCreditUnionActasofthedateIopenedmycreditplan,whichgivesyoutherighttoapplythesumsinmy
account(s),tosatisfyanyobligationsIowetothecreditunion,regardlessofcontributionsatthetimeofdefault,andwithoutfurthernoticetomeor
anyowneroftheaccount(s).

SECURITYINTEREST AND LIEN ON ACCOUNT(S). (1)BysigningthisOpen-endCreditPlan,orbyaccessing,using,orotherwiseacceptinganyfunds,
accountsorservices,        IgranttheCreditUnionasecurityinterestinallgoods,property,orotheritemspurchasedunderthisPlaneithernoworinthe
future,orinanyothercollateralgivennoworatthetimeofanyfutureadvance,orgivenatanyothertimeinconnectionwiththeOpen-endPlan,in
accordancewithmySecurityAgreement.IalsoagreetoabidebythetermsoftheSecurityAgreementandanyAdvanceReceiptorsimilardocument.
(2) BysigningthisOpen-endCreditPlanand/orAccountCard,orbyaccessing,using,orotherwiseacceptinganyfunds,                              accountsorservices,   Igrant
thecreditunion,andyouimpress,alien              onanyandallfundsinanyjointandindividualshareaccount(s),regardlessofthesourceofthefundsinthe
account(s)oranyowner'scontributions,tosecureanyaccountowner'sjointorindividualobligationstous,noworinthefuture,whetherdirect,
indirect,contingentorsecondary.         Thisliensecuresalldebtsyouoweuspursuanttoanyloanorcreditagreements;underthisOpen-endCreditPlan;
arisingfromanyinsufficientfundsitem;fees;costs,expenses;orotherwise.                   IunderstandandagreethattheCreditUnionhasmultiple             rightswhich
includea"consensuallien"a"statutory           lien"pursuantto12USC1757and12CFR701.39,                applicablestatelawandyour"commonlaw"righttoset
off,whichauthorizeustoapplythefundsinanyjointorindividualaccounttoanyobligationsowedtoyouifIdefaultorfailtopayorsatisfyany
obligationtoyouwithoutanylegalprocess,courtproceedingoranynoticetoanyowneroftheaccount(s)affectedhereunderorotherwiseunderthis
Agreement. Ispecificallyagreethatyouhavearighttoplaceanadministrativefreezeonanyofmyjointor                          individualaccount(s)andthatsuchaction
shallnotviolate11USC362orotherapplicablelaw                 . Iagreethatmyaccount(s)arenotassignableortransferableexcepttotheCreditUnionunless
specificallyauthorizedinwritingbyyou.           Obligationssecuredbymyprimaryresidence,householdgoodsandanyfundsinanIRAorKeoghaccountare
notincludedinyourlienorthissecurityinterest,unlesssubjecttospecificpledgeorsecurityagreement.                              TheCreditUnionwillnothaveany
responsibilityorliabilitytomeorothersrelatingtothedishonororotherreturnofanycheck,draft,ACHtransactionor                              otherorderoccurringasa
resultofyouexercisingyourlienrightsorfreezinganyaccountsinordertoprotectorpreservesuchrights.                         IfIhaveacreditcardaccountunderthis
Plan,thissecurityinterestalsoappliestothecreditcardaccount.

SecuredVisaCreditCard:      IfIhaveaSecuredVisaCreditCardunderthisPlan,itissecuredbythefundsinmyPrimarySavingsAccount,                                   Number
~                  .IunderstandandagreethatImustmaintaininmyAccountanamountequalto115%ofmycreditlimit.Inadditiontoallotherterms
andconditionsofthePlan,theVisaSecurityAgreement,Pledge,andAssignmentofSharesandDepositsalsoappliestomySecuredVisaCreditCard.

IfIhaveappliedforvoluntarycreditinsurance,Iacknowledgereceiptofthe             creditinsuranceApplicationandCertificate.IfIpurchasevoluntarycredit
insuranceorotherproductsinconnectionwiththisloan,IunderstandthataportionofthepremiumorfeeIpaywillberetainedbythecreditunion(or
paidbacktothecreditunionbytheserviceprovider)ascompensationformakingtheseservicesavailabletome.
NegativeInformationNotice:Youmayreportinformationaboutmyaccounttocreditbureaus.Latepayments,missedpayments,orotherdefaultson
myaccountmaybereflectedinmycreditreport.
IMPORTANTNOTICEABOUTPROCEDURESFOROPENINGANEWACCOUNT
Tohelpthegovernmentfightthefundingofterrorismandmoneylaunderingactivities,               Federallawrequiresallfinancialinstitutions    toobtain,verify,and
recordinformation thatidentifieseachpersonwhoopensanaccount.            Whatthismeansforme:         WhenIopenanaccount,youwill            askformyname,
address,dateofbirth,andotherinformationthatwillallowyoutoidentifyme.Youmayalsoasktoseemydriver'slicenseorotheridentifyinginformation.
 BORROWER'SSIGNATURE                                        DATE                CO-BORROWER'SSIGNATURE                                      DATE
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CO-BORROWER'SSIGNATURE                                       DATE                  CO-BORROWER'SSIGNATURE                                       DATE
X                                                                                  X
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                CREDITINSURANCEISVOLUNTARYANDISNOTREQUIREDTOOBTAINYOURLOAN




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YOURCOVERAGETERMINATESWHENYOUREACHAGE70FORCREDITLIFEINSURANCEANDAGE66FORCREDITDISABILITY
INSURANCE.




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                                             APPLICATIONFORGROUPCREDITINSURANCE




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                          MinnesotaLifeInsuranceCompany,400RobertStreetNorth,St.Paul,MN55101-2098
CREDITLIFEINSURANCE                     CREDITDISABILITYINSURANCE




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GROUPPOLICYNUMBER INSURANCEMAXIMUMGROUPPOLICYNUMBER                                               MAXIMUMLOANREPAYMENTPERIOD
                                                                        MAXIMUMMONTHLYDISABILITYBENEFIT
28773-G-500       $30,000               28774-G-500                     $750                      120Months
MAXIMUMLOANREPAYMENTPERIOD              MAX.AGGREGATEDISABILITYBENEFIT  WAITINGPERIOD             RETROACTIVEBENEFIT
120Months                               $50,000                         14Days                    No

I(we)areapplyingfor           thecreditinsurancecoverage(s)selectedbelowandagreeto                     paytherequiredpremium.I(we)
understandthatfeesmaybepaidbytheinsurerinconnectionwith                           thiscoveragetothesponsorofthisplanand/orits
affiliatesordesignates.I(we)understandthatthe              purchaseofthisinsuranceis        voluntaryandnotrequired      inordertoobtain
credit,andthatI(we)mayterminateitatanytime.I(we) alsoagreethat:
1. Iflifeinsuranceisselected,Iampresentlyunderage70.
2. Ifjointlifeinsuranceisselected,weareeligibleifwearespousesandiftheolderapplicantispresentlyunderage70.We
      mustbejointlyandindividuallyliableundertheloan.Co-signersorguarantorsarenoteligibleforinsurance.
3. I,theprimaryapplicant,ameligiblefordisabilityinsuranceifIampresentlyunderage66.
4. Apersonsigningthisapplicationasco-applicantisnoteligiblefordisabilityinsurance.
IfI(we)     am(are)applyingformorethan$15,000              ofinsurance,thefollowingquestionsmustbeansweredtodeterminemy
(our)eligibilityforinsurance:
    APPLICANT        CO-APPLICANT
~   YES ~ NO       ~  YES ~ NO      1. Duringthelasttwoyears,haveyoubeenadvisedofortreatedfor:cancer,heartattack
                                         orcoronaryarterydisease,stroke,           cirrhosis, AcquiredImmuneDeficiencySyndrome
                                         (AIDS)orAIDSRelatedComplex(ARC)?
~ YES ~ NO                          2. (ApplicabletoDisabilityInsuranceonly)Areyoupresentlyworkingoutsidethehomefor
                                         wagesorprofitfor30hoursormoreperweekandhaveyoubeensoworkingfor30
                                         daysormoreimmediatelypriortothisdate?
My(our)answerstotheabovequestionsaretruetothebestofmy(our)knowledgeandbelief.
Theeffectivedateofmy(our)insurancewillbe            thedateofthisapplication,thedatetheeligibleloanisdisbursed,orthedate
thenoteevidencingtheloanissigned,whicheverdateislater.
                       COVERAGEREQUESTED(*MONTHLYPREMIUMPER$1000.00OFOUTSTANDINGLOANBALANCE.)
~   Yes   ~   No   SingleLife       $0.38*     ~   Yes    ~   No   JointLife            $0.67*    ~   Yes   ~   No   CreditDisability     $1.07*
APPLICANT'SSIGNATURE                                     DATE                  CO-APPLICANT'SSIGNATURE(JointLifeOnly)                   DATE
X                                                                              X
MHC-94-4238.19
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BORROWER'SNAME                                                                                                               ACCOUNTNUMBER




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~                                                                                                                            ~
                           "ME,""MY"AND "MINE"WILLMEANANYPERSONWHOEXECUTESTHEOPEN-ENDCREDITPLANBYSIGNINGTHISOPEN-E
INTHESEAGREEMENTS,THEWORDS"I,"




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PLAN,ORANYADVANCERECEIPTORSIMILARDOCUMENT,ORANYPERSONWHOENDORSESAPROCEEDSCHECKOROTHERWISEACCEPTS,ACCESSES,O
ANYWAY.THEWORDS"YOU,""YOUR"AND"YOURS"MEANTHECREDITUNION.




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CREDITAGREEMENT




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AgreementtoTerms:      BysigningthisOpen-endCreditPlan,and/orby                   anylimitations,restrictionsorexclusionscontainedintheCertificate)        and
accepting,using,oraccessinganyproceedsunderthisplan,Iagreeto                      premiumswillbechargedaccordingtotheoutstandingbalanceofthe
thetermsandconditionsoftheOpen-endCreditPlan,Disclosures,Credit                   Plan.IfBorrowerfailstopaytheinsurancepremiums,CreditUnionmay
Agreement,andSecurityAgreement,andanyandallAdvanceReceipts,                       cancelthecoverageor,atitsoption,paythe            premiumsandaddthemto
andanyfutureamendmentsthereto,andpromisetopayyou             allamounts           Borrower's outstanding planbalance,uponwhich            interestwill accrue.
due.                                                                              BorrowermaycancelcoverageatanytimebyinformingtheCreditUnion
                                                                                  oftheintenttodoso.CreditUnionretainsaportionofthepremium(ora
Advances,CreditLimits,PlanAccess,andPeriodicStatements:                  Imay     portion ispaidback        to the credit unionby the serviceprovider)as
applyforadvancesunderthisPlaninanymannerallowedbytheCredit                        compensation for making this service available. See Certificate for
Union,includingtelephone,e-mail,internet,fax,mailorinperson.You                   specifictermsandconditionsoftheinsurancecontract.
reservetherighttorefusetomakeanadvancewithout                    affecting the
liabilityofanyco-borrower.       Advanceswillatnotimeexceedanycredit              Default: Thefollowingprovision         appliestoborrowersinIdaho,Kansas,
limitsassetforthintheloanpolicyofthecreditunion.             Ifanadvanceis        andMaine: Iwillbeindefaultif(1)Idonotmakeapaymentofthe
approved,youmayissueaproceedscheckordrafttome;ordeposit                           requiredamountwhendue;or(2)youbelievetheprospectofpayment,
advanceproceedsintomyshareaccountorsharedraftaccount;orissue                      performance, or realization on any property given as security is
tomecreditcardsorATM/DebitcardsinordertodirectlyaccessmyPlan                      significantlyimpaired.
andobtainadvances.       Iwillreceiveaperiodicstatementdescribingthe              ThefollowingprovisionappliestoborrowersinWisconsin:                         Iwillbein
activityonmyPlanduringtheapplicablebillingcycle.                                  defaultifanyofthefollowingoccur:(a)Ifailtomakeapaymentwhen
                                                                                  dueontwo(2)occasionswithinany12-monthperiod;OR(b)Ibreach
LiabilityforUnauthorizedUse:       ATM/DebitCards: IfIuseanATM/Debit              anytermorconditionofthisOpen-endPlan,which                          breachmaterially
cardtoaccessmyplan,Imaybeliablefortheunauthorizeduseofthe                         impairsmyabilitytopay            amountswhendueormateriallyimpairsthe
card.ImusttelltheCreditUnionatonceifIbelievemyATM/Debitcard                       condition, value,or protection of your rights to or inany collateral
hasbeenlost,stolen,orusedwithout           mypermission.Imaycontactthe            securingthistransaction.
CreditUnionat:FirstFinancialFederalCreditUnionofMaryland,1215York                 The following provisionappliesto               all other borrowers : I shall be
Road,Lutherville,MD21093-6262          orcall(410)321-6060.        Iwill notbe    consideredindefault       ifanyofthefollowing            occur: (1)IfIbreakany
liableforunauthorizedusethatoccursafterInotifytheCreditUnionofthe                 promise made under this Credit Agreement or under the Security
loss,theft, orpossibleunauthorizeduse.If          thecardisusedtoobtain           Agreement;or(2)ifIdonotusethemoneyyouadvancedmeforthe
advancesdirectlyfromthePlan,mytotalliabilitywillnotexceed$50.00.If                purposestated inmyapplication;             or(3)if     youshould,ingoodfaith,
theauthorizedwithdrawal      isfromasharedraft        account,myliabilityis       believethat     prospect of payment, performance or realization of the
governedbytheRegulationEdisclosuresIreceivedatthetimeIreceived                    collateral,ifany,isimpaired;or(4)if             Idie;or(5)ifIfileapetitionin
myATM/Debitcard,evenifthewithdrawal              resultsinanadvancebeing          bankruptcy, insolvency,orreceivershiporamputinvoluntarilyintosuch
madefrommyoverdraftsubaccountundermyOpen-endCreditPlan.                           proceedings;or(6)if         thecollateral,    if any,givenassecurity             for this
VisaCreditCards:Imaybeliableforunauthorizeduseofthecard.Iwill                     accountislost,damagedordestroyed,orifitisleviedagainst,attached
notbeliableforunauthorizedusewhich          occursafterInotifyyouorallyor         orgarnished;or(7)ifIdonotpayontimeanyofmycurrentorfuture
inwriting oftheloss,theft       orpossibleunauthorizeduseofmycardat               debtstoyou;or(8)ifanyoneisindefaultofanysecurityagreementgiven
your address,1215       YorkRoad,Lutherville,      MD21093,        orTN(410)      inconnectionwithanyadvanceunderthisPlan;or(9)IfImakeanyfalse
321-6060. Inanycase,myliabilitywillnotexceed$50.00.                     IfIhave   ormisleadingstatements          inanycredit       applicationorupdate          of credit
notifiedyouofanunauthorizeduse,yourequirethat                 within 14daysI      information; or (10) I am in default of any other loan or security
providewrittenconfirmationofthedate,specificsoftheunauthorizeduse                 agreementIhavewith           theCreditUnion;or(11)IusethePlanforany
andotherinformation      neededbyyoutoidentifythetransactionorloss                illegalpurposeortransactionasdeterminedbyapplicablelaw.IfIdefault,
andinvestigatethetransactionfully.Ialsoagreetocooperatefullyinany                 you may, at your option, declarethis account immediately dueand
investigationandprosecutionofpartiesyouidentifyas           responsibleforthe     payable,andImustimmediatelypaytoyouatthattimethetotalunpaid
unauthorizedtransactions.                                                         balance,aswellasthe            FinanceCharge todate,anylatechargesand
IalsohavecertainrightsandresponsibilitiesundertheFairCreditBilling                costsofcollectionpermitted          underlaw,includingreasonableattorney's
Act ifIbelievemyperiodicstatementisincorrect.               SeeBillingRights      fees.Costsofcollectioninclude,butarenotlimitedto,repossessionfees,
NoticeattheendofthisCreditAgreement.                                              appraisals, environmental siteassessments,casualtydamageinsurance
                                                                                  coverage,andattorney'sfeesforanyactiontakenbyanattorneyinorder
AdvanceReceipts: IfItakeanadvanceunderthisPlan,Iwillreceivean                     tocollectthisloanorpreserveorprotect                 thecreditunion'srightsand
AdvanceReceiptoutliningthetransactionanddescribinganycollateral                   remedies,including,      without limitation, pre-suitdemandsfor               payment,
givenassecurityforthatadvance.TheAdvanceReceiptispartofthe                        pre-suit mediation or settlement                negotiations, investigation and
creditcontractandImustabidebythetermsdescribedtherein.                            assessmentofthecreditunions'rights,participationinbankruptcycases,
                                                                                  matters, andproceedings(including,without               limitation, filingproofsof
Payments: Theminimummonthlypaymentandduedatewillbesetand                          claim,pursuingreaffirmationagreements,attendingmeetingsofcreditors,
disclosedtomeatthetimeeachadvanceismade.Myminimumpayment                          andpursuingcomplaints,motions,andobjectionsthatrelateinanyway
willbebasedupontheamountofmyoutstandingbalancesimmediately                        tothecreditunion'scollateralorrighttopayment),collateraldisposition,
after mymostrecentadvance.Myminimumpaymentwill               notchange            non-bankruptcy suits and/or administrative actions, and appeals.The
unlessIrequestadditionaladvancesorfailtokeepmyagreement.Imay                      principalbalanceindefaultshallbearinterestatthecontractrate.
paythecredit    balanceinfull   orinpart    atanytimewithout    penalty.
However,minimumperiodicpaymentsarerequiredoneachloanaccount                       ReturnsandExchanges: MerchantswhohonormyVisaCreditCardwill
aslongasanybalanceexists.                                                         givemecredit    forreturnsoradjustmentsbysendingyouacreditslip
                                                                                  whichyoushallposttomyPlan.Ifmycreditsandpaymentsexceedwhat
AllocationofPaymentsandAdditionalPayments:          Paymentsandcredits            Ioweyou,youwillholdthiscreditbalanceagainstfuturepurchasesor
shallbeappliedinthefollowingorder:anyamountspastdue;anyfeesor                     refundittomyshareaccountuponmywritten             request(ifitis$1.00                 or
chargesowing, includinganyfeesorpremiumsforadditionalproducts                     more).
purchased;accrued interest or finance charges; outstanding principal.
Paymentsmadeinaddition         to regularly scheduledpayments shallbe             ForeignTransactions;CurrencyConversion:       Purchasesandcashadvances
appliedinthesameorder.                                                            made in foreign currencies will be billed to me in U.S. dollars.
                                                                                  TransactionsprocessedoutsideoftheUnitedStateswillbechargeda
LateCharges: IfImakealatepayment,Iagreetopayalatechargeifone                      foreign transaction feeinanamount         to bedetermined bythe Credit
isdisclosedonpage1ofthisdocument.                                                 Union,regardlessofwhether       thereisacurrencyconversionassociated
                                                                                  withthetransaction.Theconversionrateindollarswillbearateselected
CreditInsurance: Creditlifeand/orcreditdisabilityinsuranceisvoluntary             byVISAfromarangeofratesavailableinwholesalecurrencymarketsfor
andnot a condition of openingmy           Planor obtaining any advance.           theapplicablecentralprocessingdate,whichratemayvaryfromtherate
Borrower will only have this coverage if Borrower applies for the                 VISAitselfreceives,orthegovernment-mandatedrateineffect               forthe
coverage, meets the eligibility requirements, and agreesto            pay the     applicablecentralprocessingdateineachinstance.Aforeigntransaction
premiums.Thepremiumwillbechargedandcollectedmonthlyandwill                        isanytransactionthatIcompleteoramerchantcompletesonmycard
becomepartofBorrower'sminimummonthlypayment.Creditinsurance                       outsideof theU.S.,      PuertoRicoortheU.S.        Virgin Islands;thismay
willcoveralladvancesunderthePlannowandinthefuture(subjectto                       includeinternettransactions.
                                                                             le
BORROWER'SNAME                                                                                                           ACCOUNTNUMBER




                                                                           p
~                                                                                                                        ~
                           "ME,""MY"AND "MINE"WILLMEANANYPERSONWHOEXECUTESTHEOPEN-ENDCREDITPLANBYSIGNINGTHISOPEN-E
INTHESEAGREEMENTS,THEWORDS"I,"




                                                                          m
PLAN,ORANYADVANCERECEIPTORSIMILARDOCUMENT,ORANYPERSONWHOENDORSESAPROCEEDSCHECKOROTHERWISEACCEPTS,ACCESSES,O
ANYWAY.THEWORDS"YOU,""YOUR"AND"YOURS"MEANTHECREDITUNION.



PlanMerchantDisputes:      Youarenotresponsiblefortherefusalofany
planmerchantorfinancialinstitutiontohonormyVisaCreditCard.Also,
youarenotresponsibleforgoodsorservicesIpurchasewith
unless(a)mypurchasewasmadeinresponsetoanadvertisementyou
sentorparticipatedinsendingme;(b)mypurchase

myhome;andIhavemadeagoodfaithattempt,buthavebeenunableto
obtain satisfaction from the planmerchant.
disputesdirectlywiththeplanmerchant.
                                                 S a
andwasmadefromaplanmerchantinmystateorwithin100milesof
                                                                  thecard

                                                      cost$50.00 ormore


                                                 Imust resolveallother
                                                                                   JointPlans: IfthisPlanhasmorethanoneborrower,itisajointPlanand
                                                                                   eachofusisindividuallyandjointlyresponsibleforpayingallamounts
                                                                                   owed.YoucanenforceyourrightsunderthisPlanagainstanyoneofus
                                                                                   individuallyoragainstallof       ustogether.
                                                                                   instructions, youcanrefusetofollow
                                                                                   written policy requiresallof
                                                                                   authorizestheother(s)to
                                                                                                                                    Ifwe giveyouinconsistent
                                                                                                                                thoseinstructions.
                                                                                                                     usto signfor anadvance,eachof
                                                                                                                 obtain advancesindividually
                                                                                   repayadvancesmadetotheother(s).Anynoticemailedtooneshallbe
                                                                                   considerednoticemailedtoall,unlessapplicablelawrequiresindividual
                                                                                   notice.Anyofuscanremoveourselvesfromresponsibilityasajointor
                                                                                                                                                     Unlessyour

                                                                                                                                                   andagreesto
                                                                                                                                                               us




IllegalUseandInternetGambling:         Iagreethat       alltransactions that I     co-borrowerbynotifyingtheCreditUnioninwriting.However,thiswill
initiatebyuseofanyadvanceoranycardwhichaccessesmyPlanare                           notrelieveanyofusfromjointorseveralliabilityforanyobligations
legal in the jurisdiction where I live and/or where the transaction                alreadyincurred.
occurred.InternetgamblingmaybeillegalinthejurisdictioninwhichIam
located, including the United States. My Planand any card which                    Termination: Iunderstandthatyoumayterminatethiscreditandsecurity
accessesmyPlanmayonlybeusedforlegaltransactions.Displayofa                         agreementunderthefollowingconditions:
paymentcardlogobyanonlinemerchantdoesnotmeanthatinternet                           1.Uponadversere-evaluationofmycreditworthiness.
gamblingtransactionsarelawful       inalljurisdictionsinwhich         Imaybe       2.IfIshouldfailtomeetthetermsoftheagreements.
located.IagreetorepayaccordingtothetermsofthisAgreementall                         3. Notice to Wisconsin Borrowers :IfIamamarriedWisconsinborrower
transactionsIinitiatebytakinganadvanceorusingmycard(s),whether                         who has been extended individual credit, the Credit Union can
deemedlegalorillegal.                                                                  terminatethisPlanifitreceivesawrittennoticeofterminationfrom
                                                                                       myspousepursuant          toWis.Stat.766.565(5).        SeeStateNotices
ActionUponDefault:        Thefollowingprovisionappliestoborrowersin                    belowforfurtherinformation.
Colorado,DistrictofColumbia,Kansas,Maine,Massachusetts,Missouri,                   4. At myoption,oryouroption,             with goodcauseanduponwritten
                                                                                       notice.
Nebraska,andWest          Virginia: OnceI have defaulted, and after the            Iunderstandthatterminationwill          notaffect   myobligationtopaythe
expirationofanyrightI      mayhaveunderapplicablestatelawtocuremy                  balanceoutstandingincurredpriortonotice.
default,youcandemandimmediatepaymentoftheentireunpaidbalance
oftheplanwithout       givingmeadvancenotice.Theprincipalbalancein                 UnlawfulTransactions: IwarrantandagreethatmyOpen-endCreditPlan
defaultshallbearinterestatthecontractrate,oradefaultrateifonehas                   will not be used to make or facilitate any illegaltransaction(s)           as
beendisclosedtome,oranotherrateifrequiredbyapplicablelaw.                          determinedbyapplicablelaw;andthatanysuchuse,includinganysuch
ThefollowingprovisionsappliestoborrowersinWisconsin:                               authorizeduse,willconstituteaneventofdefaultunderthisAgreement.I
Right to Cure Default :IfIamindefaultunderthisAgreement,youmust                    agreethattheCreditUnionwillnothaveanyliability,responsibilityor
giveanotice      of default to mepursuant to Wisconsin Statutes sec.               culpabilitywhatsoeverforanysuchusebymeoranyauthorizeduser(s).I
425.104 -425.105. Ishallhavefifteen(15)calendardaysfromthedate                     furtheragreetoindemnifyandholdtheCreditUnionharmlessfromany
thenoticeismailedtometocurethe             default. Intheeventofanuncured          suits,liability,damagesoradverseactionofanykindthatresultsdirectly
default,youshallhavealltherightsandremediesfordefaultprovided                      orindirectlyfromsuchillegaluse.
undertheWisconsinConsumerAct,UniformCommercialCode,orother
applicablelaw,including,butnotlimitedto,therighttorepossessthe                     AdditionalProvisions:
collateral. You may waive any default without waiving any other                    1.I agreeto provide you with a current financial statement if so
subsequentorpriordefaultbyme.                                                          requestedandthatnoadvancewillbemadeuntilyouhavereviewed
No Right to Cure: PursuanttoWis.Stat.Sec.425.105(3),                Ishallnot          the financialstatement.
havetherighttocureadefaultifthefollowing               occurtwiceduringthe         2.Incaseanyprovisionofthisagreementisheldinvalidforanyreason
precedingtwelve(12)months:(a)Iwasindefaultontheopen-endplan;                           suchdeterminationshallnotaffect       theremainingprovisionsofthe
(b)Yougavemenoticeof             therighttocuresuchpreviousdefaultin                   agreement.Buttheagreementshallbeenforcedasifsuchprovision
accordancewith      Wis.Stat.Sec. 425.104; and(c)Icuredtheprevious                     wasneverincluded.
default.                                                                           3.IadmitthatIhavereceivedacopyofthisagreement,andthatIhave
NothinginthisAgreementshallbeconstruedtorestrictyourabilityto                          fullyreadandunderstandallofitstermsandconditions.
exercise your rights under the Wisconsin Consumer Act, Uniform                     4.My signingandendorsinganychecks             ordrafts   issuedunderthis
CommecialCode,orotherapplicablelaw,including,butnotlimitedto,                          agreementshowsmyacceptanceofitstermsandconditions.
therighttorepossessthecollateral.
Thefollowingprovisionappliestoborrowersinallotherstates:                OnceI      ChangeinTerms:      YoumaychangethetermsofthisPlanatanytime
havedefaulted,youmay,atyouroption,declareallamountsunderthe                        after givinganynoticethat      mayberequiredbyapplicablelaw.          Any
Planimmediatelydueandpayable,andImustimmediatelypaytoyouat                         changeintheinterestratewill       applytofuture     advancesand,atour
thattimethetotalunpaidbalance,aswellastheFinanceChargeto                   date,   discretionandsubjecttoanyrequirementsofapplicablelaw,willalso
anylatechargesandcostsofcollectionpermittedunderlaw,including                      applytounpaidbalances.
reasonableattorney's fees.Theprincipalbalanceindefaultshallbear
interestatthecontractrate,oradefaultrateifonehasbeendisclosedto                    GoverningLaw: Theseagreementsshallbeconstruedandenforcedin
me,oranotherrateifrequiredbyapplicablelaw.                                         accordancewiththelawsoftheStateofMaryland.

CollectionCosts: IagreetopayallcostsincurredbytheCreditUnionin                     StateNotices:
collecting anyamountIowe          orinenforcing     orprotecting  theCredit
Union'srightsunderthisPlan,includingbutnotlimitedto,repossession                   NOTICESTOWISCONSINBORROWERS:                   (1) IfIammarriedandam
andcollateraldisposition     feesandcosts;      feesandcosts     incurredin        extended individual credit, Wisconsin Statutes Section 766.56(3)(b)
locating collateral; appraisals; casualty damage insurance coverage;               requirestheCreditUniontonotifymyspouseoftheextensionofcredit.If
attorneys'feesof25%oftheunpaidbalanceor              suchgreateramountas           CreditUnionreceivesawritten         noticeofterminationfromBorrower's
maybereasonable.Ialsoagreetopayanyadditionalamountsincurred                        spousepursuanttoWis.Stat.Section766.565(5)             inconnectionwiththis
by the Credit Union as a result of any appellate, bankruptcy or                    Plan, CreditUnionreservestherighttodeclareBorrowerindefaultofthe
post-judgment proceedings, except asmay be specifically limited or                 Plan and to call the entire extension of credit due and payable
prohibitedbyapplicablelaw.                                                         notwithstandingWis.Stat.Sections425.103           and425.105, totheextent
                                                                                   notprohibitedbylaw.IfthePlaniscalleddueandpayable,Ishallhave
BorrowerResponsibility: Ipromisetonotify        youofanychangeinmy                 certain rights to cure the default (seethe          "Actions Upon Default"
name,addressoremployment.IpromisenottoapplyforanadvanceifI                         paragraphabove).
knowthereisareasonableprobabilitythatIwillbeunabletorepaymy                        (2) Additionally,noprovisionofamaritalpropertyagreement,aunilateral
obligationaccordingtothetermsofthecreditextension.Ipromiseto                       agreementunderWis.Stat.         Section766.59,      oracourt    decreeunder
informyouofanynewinformationwhichrelatestomyabilityto              repay           Wis.Stat.766.70 adverselyaffectstheinterestoftheCreditUnionunless
myobligation.Ipromisenottosubmitfalseorinaccurateinformationor                     priortothetimethecreditisextended,        theCreditUnionisfurnishedwith
willfully conceal information regarding my creditworthiness, credit                acopyoftheagreementorstatement,orhasactualknowledgeofthe
standing,orcreditcapacity.                                                         adverseprovisionwhentheobligationtotheCreditUnionisincurred.
                                                                         le
BORROWER'SNAME                                                                                                    ACCOUNTNUMBER




                                                                       p
~                                                                                                                 ~
                           "ME,""MY" AND"MINE"WILLMEANANYPERSONWHOEXECUTESTHEOPEN-ENDCREDITPLANBYSIGNINGTHISOPEN-E
INTHESEAGREEMENTS,THEWORDS"I,"




                                                                      m
PLAN,ORANYADVANCERECEIPTORSIMILARDOCUMENT,ORANYPERSONWHOENDORSESAPROCEEDSCHECKOROTHERWISEACCEPTS,ACCESSES,O
ANYWAY.THEWORDS"YOU,""YOUR"AND"YOURS"MEANTHECREDITUNION.



NORTHDAKOTANOTICETOBORROWERSPURCHASINGAMOTOR
VEHICLE-THEMOTORVEHICLEINTHIS

SOMEONEELSE,ANDALLAMOUNTSDUETOTHESECUREDPARTY
ARENOTRECEIVEDINTHATSALE,THEBORROWERMAYHAVETO

                                              S
SUBJECTTOREPOSSESSION.IFITISREPOSSESSEDANDSOLDTO


PAYTHEDIFFERENCE.
                                                a
                                   TRANSACTIONMAY




NOTICETO UTAH BORROWERS: This written agreementis a final
expressionoftheagreementbetweenmeandtheCreditUnion.This
                                                                        BE
                                                                              BILLING RIGHTS NOTICE - KEEPTHIS NOTICEFOR FUTUREUSE

                                                                              Thisnotice contains important information about myrights
                                                                              responsibilitiesundertheFairCreditBillingAct.

                                                                              NotifyYouInCaseofErrorsorQuestionsAboutMyStatement

                                                                              IfIthinkmystatementiswrong,orifIneedmoreinformationabouta
                                                                              transactionshownonit,Iwillwritetoyouattheaddresslistedonmy
                                                                                                                                               andyour




written agreementmaynot     becontradicted byevidenceofanyoral                statement,assoonaspossible.         Youmusthearfrommenolaterthan60
agreement.                                                                    daysafteryousentmethefirststatementonwhichtheerrororproblem
                                                                              appeared.Imaytelephoneyou,butdoingsowillnotpreservemyrights.
NOTICEFORARIZONAOWNERSOFPROPERTY:                      Itisunlawfulfora       Inmyletter,Iwillgiveyouthefollowinginformation:
borrowertofailtoreturnamotorvehiclethatissubjecttoasecurity
interestwithin thirtydaysafterIhavereceivednoticeofdefault.             The   1. Mynameandaccountnumber.
noticewillbemailedtotheaddressIprovidedonthisdocumentunlessI                  2. Thedollaramountofthe        suspectederror.
havegiventheCreditUnionanewaddress.Itismyresponsibilityto                     3. AdescriptionoftheerrorandanexplanationifIcanwhyIbelieve
notifytheCreditUnionifmyaddresschanges.              Themaximumpenalty        thereisanerror.IfIneedmoreinformationIwilldescribetheitemIam
forunlawfulfailure   toreturnamotorvehicleisoneyearinprisonand/or             notsureabout.
afineof$150,000.
                                                                              MyRightsandYourResponsibilitiesAfterYouReceiveMyWrittenNotice
NOTICETOCALIFORNIARESIDENTS: BysigningthisPlan,             Ispecifically
agreethattheCreditUnionmayaccesstherecordsoftheCalifornia                     You must acknowledge my letter within 30 days, unless you have
DepartmentofMotorVehiclesfromtimetotimetoobtainmycurrent                      correctedtheerrorbythen.     Within90days,youmusteithercorrectthe
mailingaddress ,andbysoagreeing,Iamspecificallywaivingmyrights                errororexplainwhyyoubelievethestatementwascorrect.
undersections1808.21and1808.22oftheCaliforniaVehicleCode.
                                                                              After youreceivemyletter,       youcannot try to collect anyamountI
ThefollowingisrequiredbyVermontLaw: NOTICETOCO-SIGNER---                      question,orreportmeasdelinquent.      Youcancontinuetobillmeforthe
MYSIGNATUREONTHISPLANMEANSTHATIAMEQUALLYLIABLE                                amountIquestion,includingfinancecharges,andyoucanapplyany
FORREPAYMENTOFTHISPLAN.IFTHEBORROWERDOESNOTPAY,                               unpaid amount against my credit limit. I do not have to pay any
THECREDITUNIONHASALEGALRIGHTTOCOLLECTFROMME.                                  questionedamountwhileyouareinvestigating,butIamstillobligatedto
                                                                              paythepartsofmystatementthatarenotinquestion.
WASHINGTONRESIDENTSONLY
                                                                              Ifyoufindthatyoumadeamistakeonmystatement,Iwillnothaveto
WARNING                                                                       payanyfinancechargesrelatedtoanyquestionedamount.        Ifyoudidn't
UNLESSI    PROVIDEYOU    WITH EVIDENCEOF THE                                  makeamistake,ImayhavetopayfinancechargesandIwillhaveto
INSURANCE COVERAGE AS REQUIREDBY         YOUR                                 makeupanymissedpaymentsonthequestionedamount.Ineithercase,
AGREEMENT,YOUMAYPURCHASEINSURANCEATMY                                         youwillsendmeastatementoftheamountIoweandthedatethatitis
EXPENSE TO PROTECT YOUR INTEREST. THIS                                        due.
INSURANCEMAY,BUTNEEDNOT,ALSOPROTECTMY
INTEREST.IFTHECOLLATERALBECOMESDAMAGED,                                       IfIfailtopaytheamount        thatyouthinkIowe,youmayreportmeas
                                                                              delinquent.However,ifyourexplanationdoesnotsatisfymeandIwrite
THECOVERAGEYOUPURCHASEMAYNOTPAYANY                                            toyouwithintendaystellingyouthatIstillrefusetopay,youmusttell
CLAIMIMAKEORANYCLAIMMADEAGAINSTME.I                                           anyoneyoureportmetothatIhaveaquestionaboutmystatement.And,
MAYLATERCANCELTHISCOVERAGEBYPROVIDING                                         youmusttellmethenameofanyoneyoureportedmeto.Youmusttell
EVIDENCETHATIHAVEOBTAINEDPROPERCOVERAGE                                       anyoneyoureportmetothatthematterhasbeensettledbetweenus
ELSEWHERE.IAM     RESPONSIBLEFORTHECOSTOF                                     whenitfinallyis.
ANYINSURANCEPURCHASEDBYYOU.THECOSTOF
THIS INSURANCEMAY      BE ADDED TO MY LOAN                                    Ifyoudon't  follow theserules,youcan't    collectthefirst      $50 ofthe
                                                                              questionedamount,evenifmystatementwascorrect.
BALANCE.IF THECOSTIS       ADDEDTO   THELOAN
BALANCE,THEINTEREST RATEONTHEUNDERLYING                                       SpecialRuleforCreditCardPurchases
LOAN WILLAPPLYTO      THISADDEDAMOUNT.    THE
EFFECTIVEDATEOFCOVERAGEMAYBETHEDATEMY                                         If Ihaveaproblem        with the quality of property or services that I
PRIORCOVERAGELAPSEDORTHEDATEIFAILEDTO                                         purchasedwithacreditcard,andIhavetriedingoodfaithtocorrectthe
PROVIDEPROOFOFCOVERAGE.THECOVERAGEYOU                                         problemwiththemerchant,Imaynothavetopaytheremainingamount
PURCHASEMAYBECONSIDERABLYMOREEXPENSIVE                                        dueonthegoodsandservices.         Therearetwolimitationsonthisright:
                                                                              (a)Imusthavemadethepurchaseinmyhomestateor,ifnotwithinmy
THANINSURANCEICANOBTAINONMYOWNAND                                             homestate,within100milesofmycurrentmailingaddress;and(b)the
MAY NOT SATISFY WASHINGTON'S MANDATORY                                        purchasepricemusthavebeenmorethan$50.00.              Theselimitationsdo
LIABILITYINSURANCELAWS.                                                       notapplyifthecreditunionownsoroperatesthemerchant,or                 ifyou
                                                                              mailedmetheadvertisementforthegoodsorservices.


 ContractualPledgeofShares:Ipledgeallmysharesanddepositsin
 thecreditunion,includingfutureadditions,assecurityforadvances
 under this Open-end Credit Plan. THIS PLEDGEOF SHARES
 INCLUDESADVANCESTAKENONMYCREDITCARDACCOUNTS.
 IncaseIdefault,youmayapplythesesharesanddepositstothe
 paymentofallsumsdueatthetimeofdefault,includingcostsof
 collectionandreasonableattorney'sfees.Nolienorrighttoimpress
 alienonsharesanddepositsshallapplytoanyofmyshareswhich
 maybeheldinan"IndividualRetirementAccount"or"KeoghPlan."
                                                                                 le
BORROWER'SNAME                                                                                                                 ACCOUNTNUMBER




                                                                               p
~                                                                                                                              ~
                           "ME,""MY"AND"MINE"WILLMEANANYPERSONWHOEXECUTESTHEOPEN-ENDCREDITPLANBYSIGNINGTHISOPEN-E
INTHESEAGREEMENTS,THEWORDS"I,"




                                                                              m
PLAN,ORANYADVANCERECEIPTORSIMILARDOCUMENT,ORANYPERSONWHOENDORSESAPROCEEDSCHECKOROTHERWISEACCEPTS,ACCESSES,O
ANYWAY.THEWORDS"YOU,""YOUR"AND"YOURS"MEANTHECREDITUNION.




                                                     a
VISASECUREDCREDITCARDSECURITYAGREEMENT,PLEDGE,AND                                      SECURITYAGREEMENT




                                                   S
ASSIGNMENTOFSHARESANDDEPOSITS(AppliestoVisaSecuredand
CreditCardSubaccountonly)                                                              Security Interest; PLEDGE OF SHARES; Statutory Lien; Set-off;
                                                                                       AdministrativeFreeze:       By signing the Open-endCredit           Plan, or by
My SecuredVisaCreditCard("Card")                 andallobligationsincurredin           accessing,using,orotherwiseacceptinganyfunds,accountsorservices
connectionwith      theCardaresecuredbymyPrimarySavingsAccount                         undermyplan: (a)IgranttheCreditUnionasecurityinterest                inallgoods,
("Account").Thefollowingtermsandconditionsapply:                                       property,orotheritemspurchasedunderthisPlaneithernoworinthe
1. SecurityInterest: BysigningthisPlanand/ortheDepositAccount                          future,orinanyotherpropertygivennoworatthetimeofanyfuture
Agreement/SignatureCard,Ipledge,assign,andgrant                 asecurityinterest      advance,orgivenatanyothertimeinconnectionwiththeOpen-endPlan
inallsharesanddeposits,includinginterest,                intheSecuredDeposit           ("Collateral").Any    requireddescriptionoftheCollateralshallappearon
Account whether now orhereafterdepositedoraccumulatedinsaid                            myAdvanceReceiptorsimilardocumentandtheAdvanceReceiptshall
accounttosecureallindebtednessandobligationswhethernowowingor                          becomepartofthisSecurity           Agreementasifincorporatedherein.The
laterincurredundertheCard,including,butnotlimitedto,anyandall                          securityinterestincludesallincreases,substitutionsandadditionstothe
expensesandlegalfeesthattheCreditUnionincursinordertoenforce                           securedproperty,proceedsfromanyinsuranceonthesecuredproperty
thisAgreementortocollectontheCard.Youalsohavealienonthe                                andallearningsreceivedfromthesecuredproperty.Thesecurityinterest
accountunderapplicablelaw.          Ialsoagreetoprovideadditionalsecurity              alsoincludesallaccessions.       Accessionsarethingswhichareattachedto
(eitherofdepositsorotherwise)ifyousorequest.                                           orinstalledinthepropertynoworinthefuture.                 Thesecurityinterest
2. FundsonDeposit/CreditLimit:            IunderstandandagreethatImust                 alsoincludesanyreplacementsforthepropertywhichIbuywithin                        10
maintaininmyAccountanamountequalto115%ofmycreditlimit.                                 daysoftheAdvanceoranyextensions,renewalsorrefinancingofthe
3. Restriction ofAccountFundsandclosureofAccount:                       Imaynot        Advance. Ifthevalueofthepropertydeclines,Ipromisetogiveyou
makeanywithdrawalsfromtheAccountthatwouldcausethebalanceto                             moresecurityifasked       todoso.Ialsoagreetoabidebythetermsofthe
fallbelow115%ofmycreditlimitforaslongasmyCardisactive,even                             SecurityAgreementandanyAdvanceReceiptorsimilardocument.                       (b)I
ifIhaveazerobalance.IfIcausetheAccount                      balancetofallbelow         grantandpledgetoyouaconsensuallienonallsumsondeposit                             to
115% ofmycreditlimit,         Iwill beindefault.        Imaydepositadditional          securemyobligationstotheCreditUnionpursuanttoapplicablestate
fundsintotheAccount,        butthiswillnotincreasemyestablishedcredit                  law. IfIhaveacreditcardaccount(s)undermyplan,thispledgeof
limitunlesstheCreditUnionspecificallyagreestotheincrease.                 Youmay       sharesalsoappliestothecreditcardaccount(s).              "Allsumsondeposit"
alsorefusetoacceptadditionaldepositsintotheAccount.                  Ior youmay        and"shares"forpurposesofthispledgemeansalldepositsinanyshare
canceltheCardatanytime;however,thiswillnotreleasethefundsinthe                         savings,sharedraft,club,certificate,P.O.D.,revocabletrustorcustodial
Accountunlessanduntiltheentireamountowingispaidinfull.                    Oncethe      accounts(s),whetherjointlyor       individuallyheld,thatyouhaveondeposit
entire amount owing ispaidinfull            andtheCardcancelled,youwill                noworinthefuture,allofwhicharedeemed"generaldeposits"forthe
releasemysecurityinterestandprovidemewithacheckintheamountof                           purposeofthispledge.        MypledgedoesnotincludeanyIRA,Keogh,tax
fundsondepositintheAccountorotherwisereturnthemoneytome,or                             escrow, irrevocabletrust      orfiduciaryaccount       inwhich Idonothave
youwillallowmetowithdrawthefunds.                                                      vestedownershipinterest.       (c)Iacknowledgeandagreetoimpressment
4.     The CreditUnion'sRightsoverthe               Account: You may, and I            oftheCreditUnion'sstatutorylienrights           undertheFederalCreditUnion
authorizeyouto,exerciseownershiprightsontheAccount,including,but                       Actand/orapplicablestatelawasofthedateIopenedmycreditplan,
notlimitedto,makingsettlementsorcompromises                    ontheAccount       or   whichgivesyoutherighttoapplythesumsinmyaccount(s),tosatisfy
transferringtheAccountintotheCreditUnion'sownname.                    Iunderstand      anyobligationsIowetothe           creditunion,regardlessofcontributionsat
andagreethat       youcanproceedagainstanyCardholderoranyother                         thetimeofdefault,andwithoutfurthernoticetomeoranyownerofthe
personinanyorderorallatonce;thatyoudonotneedtoexhaustother                             account(s). (d)Iacknowledgeandagreetoyour"commonlaw"rightto
remediesbeforeproceedingunderthisAgreementbutyoumaydoso;                               setoff underapplicablestatelawwhichauthorizesyoutoapplythefunds
youmayincreaseorlowermycreditlimitatanytimebutthiswillnot                              inanyjointorindividualaccounttoanyobligationsowedtoyouifI
changethesecurednatureoftheAccount,                 andthatyoumaywaiveor               defaultorfailtopayorsatisfyanyobligationtoyouwithout                    anylegal
delayanyofyourrightswithoutwaivingthem.                                                process,courtproceedingoranynoticetoanyowneroftheaccount(s)
5. DefaultandActionUponDefault:              IfIdefaultunderthisAgreement,             affectedhereunderorotherwiseunderthisAgreement.                 (e)Ispecifically
youcanapplythefundsinthe             Accountdirectlytotheamountsowing,                 agreethatyouhavetheright          toplaceanadministrativefreezeonanyof
and,atyouroption,canceltheCardorrequiremetodepositadditional                           myjointorindividualaccount(s)andthatsuchactionshallnotviolate11
fundsintotheAccount.                                                                   USC362orotherapplicablelaw.
6. AdditionalAgreements:          InadditiontothisAgreement,Iagreeto
abide by the terms of the Deposit Account/Signature Card, credit                       MultipleRights;CumulativeRemedies:      Iunderstandandagreethatthe
Application, Open-end Credit Plan Credit Agreement and Security                        CreditUnionhas     multiple rights asenumeratedabove        andthat            the
Agreement,andanyotherdocumentsexecutedbymeinconnectionwith                             remedies are cumulative. Nothing herein shall limit or restrict                the
theCard("Additional       Agreements"). ThoseAdditionalAgreementsare                   remediesavailabletoyoufollowinganyeventofdefaultundertheterms
hereby incorporated as if fully set forth herein, and this Security                    ofmyOpen-endPlan.
AgreementisherebyincorporatedintoeachoftheAdditionalAgreements
asiffullysetforththerein.                                                              CROSS-COLLATERALIZATION:PropertygivenassecurityunderthisPlan
                                                                                       orforanyotherloanIhavewiththeCreditUnionwillsecureallamountsI
                                                                                       owethecreditunionnowandinthefuture.However,propertysecuring
                                                                                       anotherdebtwillnotsecureadvancesunderthePlanifsuchpropertyis
                                                                                       mydwelling(unlesstheproperrescissionnoticesaregivenandanyother
                                                                                       legalrequirementsaresatisfied),orarenon-purchase-moneyhousehold
                                                                                       goods. Obligationssecuredbymyprimaryresidence,householdgoods
                                                                                       andanyfundsinanIRAorKeoghaccountarenotincludedinyourlienor
                                                                                       this security interest, unless subject to specific pledge or security
                                                                                       agreement.

                                                                                       Non-Transferability: Iagreethat    my account(s)arenot        assignableor
                                                                                       transferableexcepttotheCreditUnionunlessspecificallyauthorizedin
                                                                                       writingbyyou.

                                                                                       NoLiabilityforDishonor:      TheCreditUnionwillnothaveanyresponsibility
                                                                                       orliabilitytomeorothersrelatingtothedishonororotherreturnofany
                                                                                       check,draft,ACHtransactionorotherorderoccurringasaresultofyou
                                                                                       exercisingyourlienrightsorfreezinganyaccountsinordertoprotector
                                                                                       preservesuchrights.
                                                                             le
BORROWER'SNAME                                                                                                         ACCOUNTNUMBER




                                                                           p
~                                                                                                                      ~
                           "ME,""MY"AND "MINE"WILLMEANANYPERSONWHOEXECUTESTHEOPEN-ENDCREDITPLANBYSIGNINGTHISOPEN-E
INTHESEAGREEMENTS,THEWORDS"I,"




                                                                          m
PLAN,ORANYADVANCERECEIPTORSIMILARDOCUMENT,ORANYPERSONWHOENDORSESAPROCEEDSCHECKOROTHERWISEACCEPTS,ACCESSES,O
ANYWAY.THEWORDS"YOU,""YOUR"AND"YOURS"MEANTHECREDITUNION.




                                                S a
OwnershipoftheCollateral:        Dependingonthenatureoftheadvance                disposeofthecollateral,youwillprovidereasonablenoticeifrequiredby
and/orthepreferenceoftheCreditUnion,thepropertygivenasCollateral                 lawandwillotherwisecomplywith             applicablestatelaw.Ifyousellor
maybepropertyalreadyownedbymeormaybethepropertypurchased                         otherwisedisposeofthecollateralyoumaycollectfrommereasonable
with the advanceproceeds.          If Iam granting asecurity       interest in   expensesincurredintheretaking,holdingandpreparingthecollateralfor
propertyalreadyownedbyme,IpromisethatIown               theproperty,freeof       andarrangingthesaleofthecollateral.Youmayalsocollectreasonable
allsecurityinterestsexceptthatgiventothecreditunionandexceptfor                  attorney'sfeesandlegalexpenses,permittedbyapplicablelaw,incurred
anyotherinterests      disclosedbymeto        thecredit   unionpriorto     the   inconnectionwith       dispositionoftheproperty.UnlessIdefault,Imay
advance. IpromisethatIhaveinformedyouofanyandallco-ownersof                      keeppossessionoftheproperty(collateral)describedanduseitinany
theCollateraland/oranyotherpersonwithaninterestinorclaimagainst                  lawful mannerconsistent        with this agreementorwith         the insurance
theproperty. IfIamusingtheadvanceproceedstobuythepropertythat                    policyonthecollateral.Iunderstandthatyouhavecertainrightsandlegal
shallbeusedasCollateral,Iagreetousethoseadvanceproceedsforthe                    remediesavailabletoyou       undertheUniformCommercialCodeandother
solepurposeofbuyingthatCollateral.          Iagreenottosellorleasethe            applicablelaws,andthatyoumayusetheserightstoenforcepaymentif
Collateralorto useitassecurityforaloanwithanothercreditoruntilthe                Idefault. Inthat event,Iwill         atyourrequestassembletheproperty
advanceisrepaid.Iagreenottoallowanothersecurityinterestorliento                  (collateral)andmakeitavailabletoyouataplaceofyourchoosing.Ifyou
attachtotheCollateraleitherbymyactionsorbyoperationofthelaw.                     decidetowaivethisdefault,itwillnotconstituteawaiverofanyother
                                                                                 subsequentdefaults.
Protectingthe      SecurityInterest:  If my state issues a title for the
Collateral,Iagreetohaveyoursecurityinterestshownonthetitleandto                  Attorney-in-Fact: YouareherebyappointedasmyAttorney-in-Fact                 to
takeanyotherstepsnecessaryforyoutoperfectyoursecurityinterestin                  performanyactswhichyoufeelarenecessarytoprotectthecollateral
thattitledproperty.    Imayhavetosignand/orfileafinancingstatement               andthesecurityinterestwhichthisagreementcreates.
orsimilarinstrumenttoperfectyoursecurityinterestand/ortoprotect
yoursecurityinterestfromtheclaimsofothers.          Ifaskedtodo so,Iagree        Co-borrowers: Ifthereismorethanoneborrower,ourobligationsunder
tosignafinancingstatementorotherrequireddocument.               Ialsoagreeto     thisagreementarejointandseveral,      eachbeingequallyresponsibleto
dowhateverelseyouthinkisnecessarytoprotectyoursecurityinterest                   fulfillthetermsoftheagreement.
intheCollateral.
                                                                                 SurvivalofObligations:  Thissecurityagreementnotonlybindsme,but
UseoftheCollateral:       Untiltheadvancehasbeenpaidinfull,Iagreeto              myexecutors,administrators,heirsandassigns.
(1)usetheCollateralcarefullyandforthepurposeitwasintendedand
keepitingoodrepair;(2)Obtainyourwrittenpermissionbeforemaking                    AdditionalSecurity:     Should you feel at any time that the security
majorchangesto         the Collateralor   changing the addresswhere        the   presentedhasdiminishedinvalue,orfor             anyotherreasonfeelthat
Collateraliskept;(3)informyouinwritingbeforeIchangemyaddress;                    additionalsecurityisrequired,Iagreetoassigntoyouwithin(10)days
(4)allowyoutoinspecttheCollateral;(5)Promptly               notify youifthe      whatever additionalsecurity      youfeelisnecessarytoprotect        yourself
Collateralisdamaged,stolenorabused;(6)NotusetheCollateralforany                  againstpossibleloss.
unlawfulpurpose.
                                                                                 AgreementtoTerms:     Mysigningandendorsinganychecksordrafts
PropertyInsurance: Iwillmaintaininsurancetocoveranyvehicleorother                issuedunderthisagreement,orotherwiseusing,accessing,oraccepting
propertyinwhichyouhaveasecurityinterest.Thisinsurancewillbeina                   anyadvanceproceeds,showsmyacceptanceofitstermsandconditions.
formandanamountsatisfactorytoyou.Iwillsupplyyouwithproofof
suchinsuranceuntilallsumsowedtoyouandsecuredbythisproperty
arerepaid.IfIfailtomaintainsuchinsurance,youmay,butarenot                        FurtherAssurances: Iagreeto       executeanyfurtherdocuments,andto
requiredto,obtaininsuranceofyourownandaddthecostofsuchtothe                      takeanyfurther     actions,reasonablyrequestedbyCreditUnioninorder
sumsowed. Thiscostwillbearinterestatthecontractrateuntilpaid.I                   to evidence or perfect the security interests granted herein or to
furtherassigntoyoutherighttoreceivetheproceedsofanyinsurance                     effectuatetherightsgrantedtoCreditUnion.
onsuchproperty,anddirectanyinsurertopaythoseproceedsdirectlyto
you. Iauthorizeyou        to endorseanycheck      ordraft providedasthe          GoverningLaw: ThisSecurityAgreementisbeingexecutedanddelivered
proceedsofsuchinsurance,andapplythoseproceedstothesumsowed                       in,andisintendedtobeperformedin,theStateofMarylandandshallbe
toyou.                                                                           construedandenforcedin         accordancewith    thelawsoftheStateof
IfurtherauthorizeyoutoprovideyourInsuranceServiceCenterwiththe                   Maryland, except to the extent that the Uniform CommercialCode
necessaryinformationforverificationofadequatecoverage.                           providesfortheapplicationofthelawofanotherstate.
Iacknowledgethatinsurance,oranyextensionthereof,placedbyyouis
without benefittomeindividuallybutisprimarilyfortheprotectionof                  FeesforStatementsandAccountings:      CreditUnionreservestherightto
you.                                                                             imposeafeeforanystatementsoraccountingsrequested,inaccordance
                                                                                 withapplicablelaw.
Notices: You maymeetallrequirementsforsendingmeanoticeofany
kindifyousendittomebymeansofUnitedStatesmail,atmylastgiven                       Authorizationto FileFinancingStatement: IauthorizeCreditUniontofile
address.Youmayalsomeetthisrequirementbydeliveringthesenotices                    anyfinancingstatement(s)necessarytoevidenceorperfectthesecurity
tomeelectronicallyprovidedthatIhaveagreedtoreceivenoticesby                      interestgrantedherein.
electronicmeans,suchasemail.

AdditionalAdvances:    Any additional advances made to me for the                                                                               63004-2008
paymentoftaxesorassessmentsorliensofanykind,orpremiumson
authorizedinsuranceandtheinterestowingthereonshallalsobesecured
bythisagreement.

DispositionofCollateral:    Ifadefaultasdefinedinthecreditagreement
shouldoccur,you       havetheauthority,     uponsuchdefault,torepossess
andsellthecollateralinalawful          manner.Insuchcases,youoryour
authorizedrepresentativesmay,atyouroption,enterthepremiseswhere
thecollateraliskeptandtakepossession,subjecttoapplicablelaws.You
havetherighttorenderthepropertypledgedascollateralunusableand
disposeofthecollateralonthepremiseswherethecollateraliskept.If
youdecidetosellthecollateralatapublicsale,privatesaleorotherwise
                                                                       le
                                                    IMPORTANTVISACREDITCARDDISCLOSURE




                                                                     p
ThefollowingdisclosurerepresentsimportantdetailsconcerningYourCreditCard.TheinformationaboutcostsoftheCardisaccurateasof                  ~
YoucancallorwriteUsatthetelephonenumberoraddressshownhereintoinquireifanychangesoccurredsincetheeffectivedate.




                                               a                    m
                                     Classic                   Gold                   PreferredGold      VisaFirstStart          SecuredVisa**




                                             S
                               AB    10.9%             AB     8.9%               AB      7.9%
  AnnualPercentageRate
   (APR)forPurchases*           C    13.4%              C    11.4%               C      10.4%             15.9%                  15.9%
                                D    15.9%              D    13.9%               D      12.9%
                               BalanceTransferAPR:    BalanceTransferAPR:        BalanceTransferAPR:
                                    AB:10.9%                AB:8.9%                    AB:7.9%
                                     C:13.4%                C:11.4%                    C:10.4%           BalanceTransfer         BalanceTransfer
                                     D:15.9%                D:13.9%                    D:12.9%             APR:15.9%              APR:15.9%
                                CashAdvanceAPR:        CashAdvanceAPR:            CashAdvanceAPR:         CashAdvance             CashAdvance
         OtherAPR's                 AB:10.9%                AB:8.9%                    AB:7.9%             APR:15.9%               APR:15.9%
                                     C:13.4%                C:11.4%                    C:10.4%
                                     D:15.9%                D:13.9%                    D:12.9%

                               ABCreditTiershavea6-monthIntroductionRateof1.9%forallcardsexceptFirstStartandSecuredVisa.After                      the
                               introductoryperiod,ratesincreasetothosedisclosedabove.RATESSUBJECTTOCHANGE.

                               Youhaveatleastafullmonth(28-31days)graceperiodfromthestatementclosingdatetopayyourbalanceinfull
 GracePeriodforPurchases       beforebeingchargeda FINANCECHARGE .Nograceperiodoncashadvances.

  MethodofComputingthe
                                                                                 AverageDailyBalance
   BalanceforPurchases


         AnnualFees                                                                       None


          Minimum
                                                                                          None
       FinanceCharge

     TransactionFeefor
                                                                                          None
         Purchases

 ForeignTransactionFee: Ifaforeigntransactioninvolvesacurrencyconversion,afeeof1%ofthetransactionamountwillbe
 assessed.Iftheforeigntransactiondoesnotinvolveacurrencyconversion,afeeof0.8%                   ofthetransactionamountwillbe
 assessed.
 TransactionFeeforCashAdvances:       None
 Balance transferfee: None
 Over-the-LimitFee: $10.00
 LatePaymentFee: Ifapaymentismorethan15dayspasttheduedate,youwillbecharged$15.00or5%ofmonthlypayment,
 whicheverismore.

 *The ANNUALPERCENTAGERATE isbasedoncreditstanding;formoreinformationonthecredittierunderwhichyoumayqualify,
 pleasecontactus.Ratesdisclosedincludea0.50% discountforautomaticpayments.Ifpaymentsarenotmadebyautomatic
 means,add0.50%.

 **If youreceivethesecuredVisaCard,thecardwillbesecuredbyfundsinyourPrimarySavingsAccount,andyoumustcomply
 withthetermsoftheSecuredVisaSecurityAgreement.




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