17. ADDITIONAL  BENEFITS  AND  CARD  ENHANCEMENTS 
—  SEFCU  may  from  time  to  time  offer  additional  services 
to  your  account,  such  as  travel  accident  insurance,  at  no 
additional  cost  to  you.  You  understand  that  SEFCU  is  not 
obligated to offer such services and may withdraw or change 
them at any time.
18. MERCHANT  DISPUTES  —  The  credit  union  is  not 
responsible  for  the  refusal  of  any  merchant  or  financial 
institution  to  honor  your  card.  The  credit  union  is  subject 
to  claims  and  defenses  (other  than  tort  claims)  arising  out 
of goods or services you purchase with the card if you have 
made  a  good  faith  attempt  but  have  been  unable  to  obtain 
satisfaction  from  the  merchant  or  service  provider,  and  (a) 
your  purchase  was  made  in  response  to  an  advertisement 
SEFCU  sent  or  participated  in  sending  to  you;  or  (b)  your 
purchase cost more than $50 and was made in your state or 
within 100 miles of your home.
19. JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of 
you  will  be  individually  and  jointly  responsible  for  paying 
all  amounts  owed  under  this  Agreement.  This  means  that 
SEFCU  can  require  any  one  of  you  individually  to  repay  the 
entire  amount  owed  under  this  Agreement.  Each  of  you 
authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and 
the termination will be effective as to all of you.
20. EFFECT  OF  AGREEMENT  —  This  Agreement  is  the 
contract  which  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.
21. NO  WAIVER  —  SEFCU  can  delay  enforcing  any  of  its 
rights any number of times without losing them.
22. STATEMENTS AND NOTICES — Statements and notices 
will be mailed to you at the address you have given the credit 
union or made available to you online if you have requested 
to receive them electronically. Notice provided to any one of 
you will be considered notice to all. 
23. SEVERABILITY  AND  FINAL  EXPRESSION  —  This 
Agreement and the Disclosure are the final expression of the 
terms and conditions of your account. This written Agreement 
and Disclosure may not be contradicted by evidence of any 
alleged  oral  agreement.  Should  any  part  of  this  Agreement 
or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain 
in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement.
24. COPY  RECEIVED  —  By  activating  and  using  your  card, 
you  acknowledge  that  you  have  received  and  agree  to  the 
contents of the Agreement and Disclosure.
25.  ILLEGAL  GAMBLING  TRANSACTIONS  PROHIBITED  — 
You  may  not  use  your  card  to  initiate  any  type  of  illegal 
gambling transaction.

26. PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your 
account,  all  rates  for  your  account,  including  the  rates 
for  purchases,  cash  advances,  and  balance  transfers,  will 
increase to the Penalty Rate when you meet one or more of 
the  conditions  as  set  forth  in  the  Disclosure  accompanying 
this  Agreement.  Any  rate  increases  applied  to  your  account 
are  subject  to  applicable  notice  requirements.  Please  refer 
to  the  Disclosure  for  additional  information  regarding  the 
Penalty Rate.
27. VOLUNTARY  PAYMENT  PROTECTION  —  We  may  offer 
Voluntary  Payment  Protection  to  you.  Voluntary  Payment 
Protection is not necessary to obtain credit. If you purchase 
Voluntary  Payment  Protection  from  us,  you  authorize  us 
to  add  the  fees  or  insurance  charges  monthly  to  your  loan 
balance  and  charge  you  interest  on  the  entire  balance.  At 
our  option  we  will  change  your  payment  or  the  period  of 
time  necessary  to  repay  the  loan  balance.  The  rate  used 
to  determine  the  fees  or  insurance  charges  may  change  in 
the  future.  If  the  rate  changes,  we  will  provide  any  notices 
required by applicable law.
28. NOTICE  TO  UTAH  BORROWERS  —  This  written 
agreement is a final expression of the agreement between you 
and SEFCU. This written agreement may not be contradicted 
by evidence of any oral agreement.
29. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW 
—  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT 
PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM 
YOU.

Your Billing Rights: Keep this Document for Future Use

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at 
Customer Service, PO Box 31535, Tampa, FL 33631.
In your letter, give us the following information:

 -  Account  information:  Your  name  and  account 

number.

 -  Dollar  amount:  The  dollar  amount  of  the  suspected 

error.

 -  Description of problem: If you think there is an error 
on your bill, describe what you believe is wrong and 
why you believe it is a mistake.

You must contact us:

 -  Within  60  days  after  the  error  appeared  on  your 

statement.

This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.

 - 

-  At  least  3  business  days  before  an  automated 
payment  is  scheduled,  if  you  want  to  stop  payment 
on the amount you think is wrong.

You  must  notify  us  of  any  potential  errors  in  writing.  You 
may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in 
question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

 1.  Within 30 days of receiving your letter, we must tell 
you that we received your letter. We will also tell you 
if we have already corrected the error.

 2.  Within  90  days  of  receiving  your  letter,  we  must 
either  correct  the  error  or  explain  to  you  why  we 
believe the bill is correct. 

While we investigate whether or not there has been an error:
 -  We  cannot  try  to  collect  the  amount  in  question,  or 

report you as delinquent on that amount.

 -  The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.

 -  While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance.
 -  We can apply any unpaid amount against your credit 

limit. 

After  we  finish  our  investigation,  one  of  two  things  will 
happen:
 - 

If we made a mistake: You will not have to pay the 
amount  in  question  or  any  interest  or  other  fees 
related to that amount.
If  we  do  not  believe  there  was  a  mistake:  You 
will  have  to  pay  the  amount  in  question,  along 
with  applicable  interest  and  fees.  We  will  send 
you  a  statement  of  the  amount  you  owe  and  the 
date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you 
owe. 

Your Rights If You Are Dissatisfied With Your Credit Card 
Purchases
If  you  are  dissatisfied  with  the  goods  or  services  that  you 
have  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 purchase.
To use this right, all of the following must be true:

 1.  The  purchase  must  have  been  made  in  your  home 
state  or  within  100  miles  of  your  current  mailing 
address,  and  the  purchase  price  must  have  been 
more than $50. (Note: Neither of these are necessary 
if your purchase was based on an advertisement we 
mailed  to  you,  or  if  we  own  the  company  that  sold 
you the goods or services.)

 2.  You must have used your credit card for the purchase. 
Purchases  made  with  cash  advances  at  a  financial 
institution, at an ATM, or with a check that accesses 
your credit card account do not qualify.

 3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied 
with  the  purchase,  contact  us  in  writing  at  Customer 
Service, PO Box 31535, Tampa, FL 33631.
While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount as discussed above. After we finish our investigation, 
we  will  tell  you  our  decision.  At  that  point,  if  we  think  you 
owe an amount and you do not pay, we may report you as 
delinquent.

If  you  receive  our  explanation  but  still  believe  your  bill  is 
wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as 
delinquent  without  also  reporting  that  you  are  questioning 
your  bill.  We  must  tell  you  the  name  of  anyone  to  whom 
we  reported  you  as  delinquent,  and  we  must  let  those 
organizations  know  when  the  matter  has  been  settled 
between us.
If we do not follow all of the rules above, you do not have 
to pay the first $50 of the amount you question even if your 
bill is correct.

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved  

03100017- 
MXC503-C-1- 
032415

A Federal Credit Union

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
518-452-8183
800-727-3328
www.sefcu.com

CONSUMER CREDIT CARD AGREEMENT
In this agreement, “Agreement” means this Consumer Credit 
Card Agreement. “Disclosure” means the Credit Card Account 
Opening  Disclosure.  The  Account  Opening  Disclosure  is 
incorporated into this Consumer Credit Card Agreement and 
is part of the Agreement. In this Agreement the words “you,” 
“your” and “yours” mean each and all of those who agree to 
be bound by this Agreement; “card” means the MasterCard 
credit card and any duplicates, renewals, or substitutions the 
credit union issues to you; “account” means your MasterCard 
credit  card  line-of-credit  account  with  the  credit  union;  and 
“credit  union”  means  SEFCU  or  anyone  to  whom  SEFCU 
transfers this Agreement.
1.  USING  YOUR  ACCOUNT  —  If  you  are  approved  for 
an  account,  SEFCU  will  establish  a  line  of  credit  for  you. 
You  agree  that  your  credit  limit  is  the  maximum  amount 
(purchases,  cash  advances,  finance  charges,  plus  “other 
charges”) which you will have outstanding on your account 
at any time. Unless disclosed otherwise, the credit union will 
not allow advances over the credit limit. You may request an 
increase in your credit limit by submitting a new application 
to  SEFCU.  The  credit  union  may  increase  or  decrease  your 
credit limit, refuse to make an advance and/or terminate your 
account at any time for any reason not prohibited by law.
We may, upon your request, issue convenience checks that 
you  may  use  to  access  your  account.  Convenience  checks 
may  not  be  used  to  make  a  payment  on  your  account 
balance.  If  you  use  a  convenience  check,  it  will  be  posted 
to your account as a cash advance. We reserve the right to 
refuse  to  pay  a  convenience  check  drawn  on  your  account 
for any reason and such refusal shall not constitute wrongful 
dishonor.
You may request that we stop the payment of a convenience 
check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed to stop a payment on a convenience check issued 
on  your  account.  You  may  make  a  stop  payment  request 
orally, if permitted, or in writing. If made orally, your request 
will expire after fourteen (14) days unless you confirm your 
request  in  writing  within  those  fourteen  (14)  days.  Your 
request must be made with sufficient time in advance of the 
presentment of the check for payment to give us a reasonable 

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i002435

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PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials06/10/15 031-0001-7 SEFCU 19962 MXC503-MH 21 x 8.5 3.5 x 8.5 SY 
 
 
opportunity to act on your request. In addition, your request 
must  accurately  describe  the  check  including  the  exact 
account  number,  the  payee,  any  check  number  that  may 
be  applicable,  and  the  exact  amount  of  the  check.  Written 
stop  payment  orders  are  effective  only  for  six  (6)  months 
and may be renewed for additional six (6) month periods by 
requesting in writing that the stop payment order be renewed. 
We are not required to notify you when a stop payment order 
expires. If we re-credit your account after paying a check or 
draft over a valid and timely stop payment order, you agree 
to  sign  a  statement  describing  the  dispute  with  the  payee, 
to assign to us all of your rights against the payee or other 
holders  of  the  check  or  draft  and  to  assist  us  in  any  legal 
action. You agree to indemnify and hold us harmless from all 
costs  and  expenses,  including  attorney’s  fees,  damages,  or 
claims, related to our honoring your stop payment request or 
in failing to stop payment of an item as a result of incorrect 
information provided to us or the giving of inadequate time 
to act upon a stop payment request. 
2.  USING  YOUR  CARD  —  You  understand  that  the  use 
of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of 
this Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make 
purchases from merchants and others who accept the card. 
SEFCU is not responsible for the refusal of any merchant or 
financial  institution  to  honor  your  card.  If  you  wish  to  pay 
for goods or services over the Internet, you may be required 
to provide card number security information before you will 
be  permitted  to  complete  the  transaction.  In  addition,  you 
may obtain cash advances from the credit union, from other 
financial  institutions  that  accept  the  card,  and  from  some 
automated teller machines (ATMs). Not all ATMs accept the 
card. To obtain cash advances from an ATM, you must use 
the PIN issued to you for use with your card. You agree that 
you will not use your card for any transaction that is illegal 
under applicable federal, state, or local law. If you use your 
card  for  an  illegal  transaction,  you  will  be  responsible  for 
all  amounts  and  charges  incurred  in  connection  with  the 
transaction.  If  you  are  permitted  to  obtain  cash  advances 
on  your  account,  you  may  also  use  your  card  to  purchase 
instruments and engage in transactions that we consider the 
equivalent of cash. Such transactions will be posted to your 
account as cash advances and include, but are not limited to, 
wire transfers and money orders. This paragraph shall not be 
interpreted as permitting or authorizing any transaction that 
is illegal.
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges 
(purchases,  cash  advances,  balance  transfers,  use  of 
convenience  checks  or  any  other  charges)  made  to  your 
account by you or anyone you authorize to use your account. 
You  also  promise  to  pay  all  finance  charges  and  other 
charges  added  to  your  account  under  the  terms  of  this 

Agreement  or  another  agreement  you  made  with  SEFCU.  If 
this is a joint account, the paragraph on JOINT ACCOUNTS 
also applies to your account.
4.  PERIODIC  RATES  —  The  periodic  rates  applicable 
to  purchases,  cash  advances,  and  balance  transfers 
are  disclosed  on  the  Disclosure  that  accompanies  this 
Agreement.  Any  penalty  rate  that  may  be  imposed  for 
failing  to  make  a  payment  by  the  payment  due  date  is  also 
disclosed  on  the  Disclosure.  Any  rate  change  will  be  made 
pursuant  to  applicable  law.  If  the  rate  for  your  account  is 
variable,  as  indicated  on  the  accompanying  Disclosure,  the 
rate charged on purchases, cash advances, balance transfers 
and  any  penalty  rate  will  vary  periodically  as  disclosed  in 
the  Disclosure  accompanying  this  Agreement.  The  initial 
rate  on  your  account  for  certain  types  of  transactions  may 
be  an  introductory  discounted  rate  (Introductory  Rate)  that 
is  lower  than  the  rate  that  would  ordinarily  apply  for  that 
type  of  transaction.  If  an  Introductory  Rate  applies  to  your 
account, the rates and the period of time it will be effective 
is  shown  on  the  Disclosure  accompanying  this  Agreement. 
After the Introductory Rate period expires, the periodic rate 
will  automatically  increase  to  the  rate  that  would  ordinarily 
apply for that type of transaction based on the terms of this 
Agreement. 
5.  FINANCE  CHARGES  —  New  purchases  posted  to  your 
account during a billing cycle will not incur a finance charge 
for  that  billing  cycle  if  you  had  a  zero  balance  or  a  credit 
balance at the beginning of that billing cycle, or you paid the 
entire new balance on the previous cycle’s billing statement 
by  the  payment  due  date  of  that  statement;  otherwise  a 
finance charge will accrue from the date a purchase is posted 
to  your  account.  To  avoid  an  additional  finance  charge  on 
the  balance  of  purchases,  you  must  pay  the  entire  new 
balance on the billing statement by the payment due date of 
that  statement.  A  finance  charge  begins  to  accrue  on  cash 
advances  from  the  date  you  get  the  cash  advance  or  from 
the first day of the billing cycle in which the cash advance is 
posted to your account, whichever is later (transaction date).
The  finance  charge  is  calculated  separately  for  purchases 
and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily 
balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of 
purchases  each  day,  add  any  new  purchases,  and  subtract 
any payments and/or credits. This gives us the daily balance 
of  purchases.  We  then  add  all  of  the  daily  balances  of 
purchases  for  the  billing  cycle  together  and  divide  the  total 
by the number of days in the billing cycle. This gives us the 
average daily balance of purchases. 
For  cash  advances,  the  finance  charge  is  computed  by 
applying  the  periodic  rate  to  the  average  daily  balance  of 
cash  advances.  To  calculate  the  average  daily  balance  of 
cash  advances,  we  take  the  beginning  outstanding  balance 

of cash advances each day, add in any new cash advances, 
and  subtract  any  payments  and/or  credits  that  we  apply  to 
the cash advance balance. This gives us the daily balance of 
cash advances. We then add all of the daily balances of cash 
advances  for  the  billing  cycle  together  and  divide  the  total 
by the number of days in the billing cycle. This gives us the 
average  daily  balance  of  cash  advances.  Balance  transfers 
are calculated in the same manner as cash advances.
6.  FOREIGN  TRANSACTIONS  —  Purchases  and  cash 
advances  made  in  foreign  currencies  will  be  debited  from 
your  account  in  U.S.  dollars.  The  exchange  rate  used  to 
convert  foreign  currency  transactions  to  U.S.  dollars  is 
either a government-mandated exchange rate or a wholesale 
exchange  rate  and  is  selected  by  MasterCard.  The  rate 
MasterCard  uses  for  a  particular  transaction  is  the  rate 
MasterCard  selects  for  the  applicable  currency  on  the  day 
the  transaction  is  processed.  This  rate  may  differ  from  the 
rate applicable on the date the transaction occurred or was 
posted to your account.
If applicable to your account, a fee (finance charge) will be 
charged on all transactions completed outside of the United 
States, where the cardholder’s country code differs from the 
merchant’s  country  code.  All  fees  are  calculated  based  on 
the transaction amount after it is converted to U.S. dollars. 
These fees are charged except where excluded. The Foreign 
Transaction Fee is set forth on the Disclosure accompanying 
this Agreement.
7.  FEES  —  In  addition  to  the  periodic  rate,  the  following 
additional fees may be imposed on your account. If applicable 
to  your  account,  the  fee  amounts  and  explanations  are 
disclosed on the Disclosure accompanying this Agreement. 
Your account may also be subject to additional fees as set 
forth on the Disclosure accompanying this Agreement.
a.  Balance Transfer Fee (Finance Charge) If your account 
is  subject  to  a  Balance  Transfer  Fee,  the  fee  as  disclosed 
on  the  Disclosure  accompanying  this  Agreement  will  be 
charged to your account when you transfer a balance from 
an account of another creditor to the account subject to this 
Agreement.
b.  Cash  Advance  Fee  (Finance  Charge)  If  your  account 
is subject to a Cash Advance Fee, the fee will be charged to 
your account when you obtain a cash advance from an ATM, 
SEFCU or other financial institution. 
c.  Foreign  Transaction  Fee  (Finance  Charge)  If  your 
account  is  subject  to  a  Foreign  Transaction  Fee,  a  fee  may 
be charged to your account for transactions made outside of 
the United States or in a foreign currency. 
d.  Late  Payment  Fee  If  your  account  is  subject  to  a  Late 
Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within 
the number of days of the statement payment due date set 
forth on the Disclosure accompanying this Agreement.

e.  Returned  Payment  Fee  If  your  account  is  subject  to 
a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason.
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the 
minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  All  payments  must  be  made  in 
U.S.  dollars  and,  if  made  by  a  negotiable  instrument  such 
as  a  check  or  money  order,  must  be  in  a  form  acceptable 
to  us  and  drawn  on  a  U.S.  financial  institution.    You  may 
pay more frequently, pay more than the minimum payment 
or  pay  the  total  new  balance  in  full.  If  you  make  extra  or 
larger payments, you are still required to make at least the 
minimum payment each month your account has a balance 
(other  than  a  credit  balance).  The  minimum  payment  is 
4.00%  of  your  total  new  balance,  or  $25,  whichever  is 
greater,  plus  the  amount  of  any  prior  minimum  payments 
that  you  have  not  made,  all  outstanding  unpaid  fees  and 
charges,  and  any  amount  you  are  over  your  credit  limit  by 
the date specified on the statement. If your balance is less 
than $25, the minimum payment due is the amount of your 
total  new  balance.  SEFCU  also  has  the  right  to  demand 
immediate  payment  of  any  amount  by  which  you  are  over 
your  credit  limit.  In  accordance  with  applicable  law,  the 
credit  union  may  not  post  payments  to  your  account  or 
reflect them in your available credit limit on the date they are 
received. The credit union may delay replenishing your credit 
limit until the date the payment is posted or SEFCU confirms 
the payment has cleared. 
9.  PAYMENT  ALLOCATION  —  Subject  to  applicable  law, 
your  payments  may  be  applied  to  what  you  owe  SEFCU  in 
any  manner  the  credit  union  chooses.  However,  in  every 
case,  in  the  event  you  make  a  payment  in  excess  of  the 
required minimum periodic payment, SEFCU will allocate the 
excess  amount  first  to  the  balance  with  the  highest  annual 
percentage  rate  and  any  remaining  portion  to  the  other 
balances  in  descending  order  based  on  applicable  annual 
percentage rate. 
10. SECURITY  INTEREST  —  You  grant  SEFCU  a  security 
interest under the Uniform Commercial Code and under any 
common law rights the credit union may have in any goods 
you purchase. If you give SEFCU a specific pledge of shares 
by signing a Pledge Share Agreement, your pledged shares 
will  secure  your  account.  You  may  not  withdraw  amounts 
that  have  been  specifically  pledged  to  secure  your  account 
until  the  credit  union  agrees  to  release  all  or  part  of  the 
pledged amount. 

Your Account is secured by all other shares you have in 
any individual or joint account with SEFCU, except for 
shares  in  an  Individual  Retirement  Account  or  in  any 
other  account  that  would  lose  special  tax  treatment 
under state or federal law, if given as security. These 
other  shares  may  be  withdrawn  unless  you  are  in 
default  under  this  agreement.  You  authorize  SEFCU 
to  apply  the  balance  in  your  individual  or  joint  share 
accounts  to  pay  any  amounts  due  on  your  Account  if 
you should default.

Collateral securing other loans you have with the credit union 
may also secure this loan, except that a dwelling will never 
be  considered  as  security  for  this  account,  notwithstanding 
anything to the contrary in any other agreement.
11. DEFAULT — You will be in default if you fail to make any 
minimum  payment  or  other  required  payment  by  the  date 
that it is due. You will be in default if you break any promise 
you make under this Agreement. 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 credit update. You will also be in default 
if something happens that SEFCU believes may substantially 
reduce your ability to repay what you owe.
When  you  are  in  default,  the  credit  union  has  the  right  to 
demand  immediate  payment  of  your  full  account  balance 
without giving you notice. If immediate payment is demanded, 
you agree to continue paying finance charges at the periodic 
rate  charged  before  default,  until  what  you  owe  has  been 
paid,  and  any  shares  that  were  given  as  security  for  your 
account may be applied towards what you owe.
12. LIABILITY FOR UNAUTHORIZED USE AND LOST/STOLEN 
CARD NOTIFICATION — You agree to notify us immediately, 
in writing or orally, seven (7) days a week, 24 hours a day, 
of  the  loss,  theft,  or  unauthorized  use  of  your  credit  card. 
Write  us  at  Customer  Service,  PO  Box  31535,  Tampa,  FL 
33631.  World  cardholders  can  call  855-594-3246  to  report 
the  loss,  theft,  or  unauthorized  use  of  your  card  as  well  as 
for  customer  service.  If  you  are  outside  the  United  States, 
call  collect  at  727-227-1428.  Other  cardholders  can  call 
866-839-3485 to report the loss, theft, or unauthorized use 
of your card. If you are outside the United States, call collect 
at 727-570-4881. You will not be liable for unauthorized use 
that occurs after you notify us of the loss, theft, or possible 
unauthorized  use.  However,  if  you  exercise  reasonable  care 
in safeguarding your card from risk of loss or theft and, upon 
discovering the loss or theft promptly report the loss or theft 
to us, you will not be liable for any unauthorized transactions. 
In any case, your liability will not exceed $50.
13. CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As 
permitted  by  law,  SEFCU  may  change  the  terms  of  this 
Agreement  and  any  attached  Disclosure  from  time  to  time. 

Notice  of  any  change  will  be  given  in  accordance  with 
applicable law. If permitted by law and specified in the notice 
to you, the change will apply to your existing account balance 
as well as to future transactions.
Either you or the credit union may terminate this Agreement 
at  any  time,  but  termination  by  you  or  the  credit  union 
will  not  affect  your  obligation  to  pay  the  account  balance 
plus  any  finance  and  other  charges  you  owe  under  this 
Agreement. Your obligation to pay the account balance plus 
any finance and other charges you owe under this Agreement 
are  subject  to  all  applicable  laws  and  regulations  regarding 
repayment  requirements.  You  are  also  responsible  for  all 
transactions posted to your account after termination, unless 
the transactions were unauthorized.
The card or cards you receive remain the property of SEFCU 
and  you  must  recover  and  surrender  to  the  credit  union  all 
cards  upon  request  or  upon  termination  of  this  Agreement 
whether by you or the credit union. If this is a joint account, 
the paragraph on JOINT ACCOUNTS of this Agreement also 
applies to termination of the account. 
14. CHANGING  OR  TERMINATING  AUTHORIZED  USERS 
—  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in 
writing  of  any  termination  of  an  authorized  user’s  right  to 
access  your  account.  Your  letter  must  include  the  name  of 
the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along 
with the authorized user’s card and any convenience checks 
issued  to  the  authorized  user.  If  you  cannot  return  the 
authorized user’s card we will cancel the card and issue you 
a new card with a new number. If convenience checks were 
issued to the authorized user, we can place a stop payment 
on them at your request.
15. CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  — 
You  authorize  SEFCU  to  investigate  your  credit  standing 
when opening or reviewing your account. You authorize the 
credit union to disclose information regarding your account 
to credit bureaus, merchants and creditors who inquire about 
your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and 
you  request  such  services,  you  agree  that  we  may  provide 
personal  information  about  you  and  your  account  that  is 
necessary to provide you with the requested service(s).
16. RETURNS AND ADJUSTMENTS — Merchants and others 
who  honor  your  card  may  provide  credit  for  returns  or 
adjustments, and they will do so by sending the credit union 
a  credit  slip  which  will  be  posted  to  your  account.  If  your 
credits and payments exceed what you owe the credit union, 
the amount will be applied against future purchases and cash 
advances. If the credit balance amount is $1 or more, it will 
be refunded upon your written request or automatically after 
six (6) months.

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PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials06/10/15 031-0001-7 SEFCU 19962 MXC503-MH 21 x 8.5 3.5 x 8.5 SY