Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany. NY 12206-1067
800-727-3328
www.sefcu.com
©SEFCU
APPLICATION AND SOLICITATION DISCLOSURE
MASTERCARD/MASTERCARD SECURED WORLD MASTERCARD
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	SEFCU Mastercard/SEFCU World Mastercard 6.90% to 8.90% IntroductoryAPRforaperiodof six (6) billing cycles , from the opening of your account, based on your creditworthiness. Afterthat, yourAPRwillbe 9.24% to 17.24%, basedonyour creditworthiness. This APR will vary with the market based on the Prime Rate. SEFCU Mastercard Secured 7.25% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	SEFCU Mastercard/SEFCU World Mastercard 6.90% to 8.90% Introductory APR for a period of six (6) billing cycles , from the opening ofyour account, based on your creditworthiness. Afterthat, yourAPR will be 9.24% to 17.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. SEFCU Mastercard Secured 7.25% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	SEFCU Mastercard/SEFCU World Mastercard 6.90% to 8.90% Introductory APR for a period of six (6) billing cycles , fromthe opening ofyouraccount, based on yourcreditworthiness. Afterthat, yourAPRwillbe 9.24% to 17.24%, basedonyour creditworthiness. This APR will vary with the market based on the Prime Rate. SEFCU Mastercard Secured 7.25% This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	None
Howto Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases ifyou pay your entire balance by the due date each month.
IOAN U NIR
© CUNA Mutual Group 2009,10,12,16 All Rights Reserved
SEE NEXT PAGE for more important information about your account.
03100017-MXC10-C-1-062917(MXC101-E)
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website ofthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees	
Transaction Fees -	Balance Transfer Fee -	Cash Advance Fee -	Foreign Transaction Fee - Mastercard/Mastercard Secured -	Foreign Transaction Fee - World Mastercard	$0.00 $5.00 or 3.00% ofthe amount ofeach cash advance, whichever is greater (not applicable when using convenience checks) 1.00% ofeach transaction in U.S. dollars 0.00% ofeach transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Returned Payment Fee	Upto $25.00 Upto $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Effective Date:
The information about the costs ofthe card described in this application is accurate as of: October 1,2017 This information may have changed afterthat date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the SEFCU Mastercard, SEFCU World Mastercard and SEFCU Mastercard Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or 5.00% ofthe amount ofthe required minimum payment, whichever is less, if you are 15 or more days late in making a payment.
Balance Transfer Fee (Finance Charge): $0.00.
Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater (not applicable when using convenience checks).
Returned Payment Fee:
$25.00 orthe amount ofthe required minimum payment, whichever is less.
Mastercard and the Mastercard Brand Mark are registered trademarks ofMastercard International Incorporated.
IGANUNZR
© CUNA Mutual Group 2009,10,12,16 All Rights Reserved
03100017-MXC10-C-1-062917(MXC101-E)