CONSUMER CREDIT  
CARD AGREEMENT  
AND DISCLOSURE
PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials
07/17/20 031-0001-7 SEFCU 157379 MXC322_MH HR 21 x 8.5 3.5 x 8.5 KC
This Consumer Credit Card Agreement and Disclosure 
together with the Account Opening Disclosure and any other 
account opening documents or any subsequent documents 
provided to you related to this account (hereinafter collectively 
referred to as �Agreement�) govern the terms and conditions 
of this Account. �We,� �us,� �our� and �ours� and �credit 
union� refers to SEFCU with which this Agreement is made. 
�You,� �your,� and �yours� refers to each applicant and 
co-applicant for the account; any person responsible for 
paying the account; and anyone you authorize to use, access 
or service the account. �Card� means the Mastercard credit 
card and any other access devices, duplicates, renewals, or 
substitutions, including convenience checks, SEFCU issues 
to you. �Account� means the line of credit established by this 
Agreement and includes your card.
SECURITY INTEREST
You grant SEFCU a security interest under the Uniform 
Commercial Code and under any common law rights SEFCU 
may have in any goods you purchase.
If you give SEFCU a specific pledge of shares by signing a 
separate Share Pledge Agreement Mastercard Credit Card, 
your pledged shares will secure your account. You may not 
withdraw amounts that have been specifically pledged to 
secure your account until SEFCU agrees to release all or 
part of the pledged amount.
You grant us a security interest in all individual and joint 
share and/or deposit accounts you have with us now and 
in the future to secure your credit card account. Shares 
and deposits in an IRA or any other account that would 
lose special tax treatment under state or federal law if 
given as security are not subject to the security interest 
you have given in your shares and deposits. You may 
withdraw these other shares unless you are in default. 
When you are in default, you authorize us to apply the 
balance in these accounts to any amounts due. For 
example, if you have an unpaid credit card balance, you 
agree we may use funds in your account(s) to pay any or 
all of the unpaid balance. You acknowledge and agree 
that your pledge does not apply during any periods when� CUNA M utual  Group 1991, 2006, 09,  
10, 12, 14, 16 All Rights Reserved
Page 1 (continued)16. 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 transactions on the account 
individually. Any one of you may terminate the account and 
the termination will be effective as to all of you.
17. 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.
18. SEVERABILITY AND FINAL EXPRESSION �  This 
Agreement is the final expression of the terms and conditions 
of your account. This written Agreement may not be 
contradicted by evidence of any alleged verbal Agreement. 
Should any part of this Agreement be found to be invalid or 
unenforceable, all other parts of this Agreement shall remain 
in effect and fully enforceable to the fullest extent possible 
under this Agreement.
19. ILLEGAL TRANSACTIONS PROHIBITED � You agree 
that you will not use your card for any transaction, including 
any type of electronic gambling transaction through the 
Internet, that is illegal under applicable federal, state, or local 
law. 
Even if you use your card for an illegal transaction, you 
will be responsible for all amounts and charges incurred in 
connection with the transaction. This paragraph shall not be 
interpreted as permitting or authorizing any transaction that 
is illegal.
20. APPLICABLE LAW � The terms and enforcement of this 
Agreement shall be governed by federal law and the law of 
New York.
21. ENFORCING THIS AGREEMENT �  We can delay in 
enforcing or fail to enforce any of our rights under this 
Agreement without losing them.
22. COLLECTION COSTS �  If we refer collection of your 
account to a lawyer who is not our salaried employee, you 
are liable for any reasonable attorney�s fees we incur, plus the 
costs and expenses of any legal action, as further disclosed 
on this Agreement, or to the extent allowed by law.
23. ASSIGNMENT �  We may assign any or all of our rights 
and obligations under this Agreement to a third party.
24. CALIFORNIA RESIDENTS � A married applicant may 
apply for a separate account. Applicants: 1) may, after credit 
approval, use the credit card account up to its credit limit; 
2) may be liable for amounts extended under the plan to any 
joint applicant. As required by law, you are hereby notified 
that a negative credit report reflecting on your credit record 
may be submitted to a credit reporting agency if you fail to 
fulfill the terms of your credit obligations. 25. FLORIDA RESIDENTS � You (borrower) agree that, 
should we obtain a judgment against you, a portion of your 
disposable earnings may be attached or garnished (paid to 
us by your employer), as provided by Florida and Federal 
law.
26. MISSOURI RESIDENTS � Verbal Agreements or 
commitments to loan money, extend credit or to forbear 
from enforcing repayment of a debt including promises to 
extend or renew such debt are not enforceable. To protect 
you (borrower(s)) and us (creditor) from misunderstanding 
or disappointment, any Agreements we reach covering 
such matters are contained in this writing, which is 
the complete and exclusive statement of the Agreement 
between us, except as we may later agree in writing to 
modify it.
27. MARYLAND RESIDENTS � To the extent, if any, that 
Maryland law applies to your account, we elect to offer your 
card account pursuant to Title 12, Subtitle 9 of the Maryland 
Commercial Law Article.
28. NEW YORK RESIDENTS �  We may obtain a credit report 
in connection with this account, including for any review, 
modification, renewal or collections associated with this 
account. Upon your request, you will be informed whether 
such report was requested and, if so, the name and address 
of the consumer reporting agency furnishing the report. New 
York residents may contact the New York State Banking 
Department at (800) 342-3736 or www.dfs.ny.gov to obtain 
a comparative listing of credit card rates, fees and grace 
periods. 
29. OHIO RESIDENTS �  The Ohio laws against discrimination 
require that all creditors make credit equally available to all 
creditworthy customers and that credit reporting agencies 
maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers 
compliance with this law.
30. SOUTH DAKOTA RESIDENTS �  If you believe there have 
been any improprieties in making this loan or in the lender�s 
loan practices, you may contact the South Dakota Division of 
Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, 
or by phone at (605) 773-3421.
31. WISCONSIN RESIDENTS � If you are married, please 
contact us immediately upon receipt of this Agreement at 
the address or phone number listed on this Agreement and 
provide us with the name and address of your spouse. We 
are required to inform your spouse that we have opened an 
account for you.
32. 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 verbal Agreement. As required by law, you are hereby notified that a negative credit report reflecting on 
your credit record may be submitted to a credit reporting 
agency if you fail to fulfill the terms of your credit obligations.
33. 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.
MASTERCARD IS A REGISTERED TRADEMARK,  
AND THE CIRCLES DESIGN IS A TRADEMARK OF 
MASTERCARD INTERNATIONAL INCORPORATED.
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.
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.
-  At least three 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. 
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.
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 from an ATM or 
with a check that accesses your credit card account do 
not qualify.
3.  You must not yet have fully paid for the purchase.
Page 9 (continued) Page 10 (continued) Page 11 (continued)Patroon Creek Corporate Center 700 Patroon Creek Blvd.Albany, NY 12206-1067800-727-3328www.sefcu.com
03100017-
MXC322-C-1-
042720
Page 12 (continued)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.
Page 13 Page 14 PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials
07/17/20 031-0001-7 SEFCU 157379 MXC322_MH HR 21 x 8.5 3.5 x 8.5 KCyou are a covered borrower under the Military Lending Act. 
For clarity, you will not be deemed a covered borrower, 
and your pledge will apply, if: (i) you established 
your credit card account when you were not a covered 
borrower; or (ii) you cease to be a covered borrower. 
Unless otherwise prohibited by federal and/or state law, 
collateral securing other loans you have with SEFCU 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.
1. USING YOUR ACCOUNT �  By using the account or 
keeping the card, you agree to the terms of this Agreement. 
You agree to use your account in accordance with this 
Agreement. Your account must only be used for lawful 
transactions. You may use your card to make purchases 
from merchants and others who accept your card. The credit 
union 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 your card, and from 
some automated teller machines (ATMs). (Not all ATMs 
accept your card.) Cash advances are limited to 20% of your 
established credit line, up to the amount of your available 
balance. If the credit union authorizes ATM transactions with 
your card, it will issue you a personal identification number 
(PIN). 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. Even 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.
2. CREDIT LIMIT � We may establish a credit limit as part 
of this Agreement, which you promise not to exceed. If you 
exceed the credit limit, you promise to repay immediately the 
amount which exceeds the credit limit, including amounts 
due to finance charges, fees or other charges. You may 
request a credit limit increase on your account only by a 
method acceptable to SEFCU. We may increase or decrease 
your credit limit, refuse to make an advance and/or terminate 
your account at any time for any reason permitted by law.3. CONVENIENCE CHECKS �  We may, from time to time, 
issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a 
payment on your account. 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 as identified in this Agreement imposed 
to stop a payment on a convenience check issued on your 
account. You may make a stop payment request verbally, 
if permitted, or in writing. Your request must be made with 
sufficient time in advance of the presentment of the check for 
payment to give us a reasonable 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. If permitted, you may make a stop payment 
request verbally but such a request will expire after fourteen 
(14) days unless you confirm your request in writing within 
that time. 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 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 
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. Note: A convenience 
check is not a check as that term is defined under the Uniform 
Commercial Code. It is an advance from your credit card 
account with us and your stop payment rights are provided 
under this Agreement with us.
4. REPAYMENT �  You promise to repay all amounts you 
owe under this Agreement. Your promise to repay includes 
all transactions made to your account by you or anyone you 
authorize to use your account as well as all interest charges 
and fees. 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.
For each billing period, you must pay at least the Minimum 
Payment Due by the Payment Due Date indicated on your 
statement.The Minimum Payment Due is 3.00% of your total New 
Balance, or $25.00, whichever is greater, plus any amount 
past due and any amount by which you have exceeded your 
applicable credit limit. If your total New Balance is less than 
$25.00, then your Minimum Payment Due is the amount of 
the total New Balance. 
You may pay more frequently, pay more than the Minimum 
Payment Due 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 Due each month your 
account has a balance (other than a credit balance). SEFCU 
may delay replenishing your credit limit until the date the 
payment is posted or we confirm the payment has cleared. 
Your payment of the required Minimum Payment Due 
may be applied to what you owe SEFCU in any manner 
we choose, as permitted by applicable law. If you make a 
payment in excess of the required Minimum Payment Due, 
SEFCU will allocate the excess amount first to the balance 
with the highest annual percentage rate (�APR�) and any 
remaining portion to the other balances in descending order 
based on applicable APR, unless otherwise prescribed by 
applicable law. We may accept checks marked �payment 
in full� or with words of similar effect without losing any of 
our rights to collect the full balance of your account with us. 
5. INTEREST AND FINANCE CHARGES �  We will 
begin charging you interest on purchases on the date the 
transaction is posted to your account. We will begin charging 
you interest on cash advances and balance transfers on the 
date of the transaction or the first day of the billing cycle in 
which the transaction is posted to your account, whichever 
is later (transaction date). However, we will not charge you 
any interest on new purchases if your account had a zero or 
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. To 
avoid any additional finance charge on the balance of your 
account, you must pay the entire new balance on the billing 
statement by the Payment Due Date of that statement.
How We Calculate Your Balance:
Interest charges on your account are calculated separately 
for purchases, balance transfers and cash advances 
(�Transaction Type�). We figure the interest charge for 
each Transaction Type by applying the periodic rate to each 
corresponding �average daily balance.� To get the �average 
daily balance� for a Transaction Type we take the beginning 
balance for that Transaction Type each day, add any new 
transactions of that type, and subtract any unpaid interest 
or other finance charges and any applicable payments or 
credits. This gives us the daily balance for each Transaction 
Type. Then, for each Transaction Type, we add up all the 
daily balances for the billing cycle and divide each total by 
the number of days in the billing cycle. This gives us the 
�average daily balance� for each Transaction Type.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 rates that would ordinarily 
apply for that type of transaction based on the terms of this 
Agreement.
6. FEES �  In addition to the periodic rate, additional fees 
may be imposed on your account. If applicable to your 
account, the fee amounts and explanations are disclosed 
on the Account Opening Disclosure accompanying this 
Agreement. 
7. FOREIGN TRANSACTIONS �  If You make a purchase or 
obtain a cash advance in a foreign currency, the transaction 
will be debited from Your Account in U.S. dollars. Mastercard 
will convert the transaction into U.S. dollars depending on 
whether You complete the transaction with a Mastercard 
or if the transaction is processed by a network operated 
or affiliated with Mastercard. For transactions processed 
through Mastercard, 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. The exchange rate used to 
convert the transaction may differ from the rate Mastercard 
receives and may differ from the rate applicable on the date 
the transaction occurred or was posted to Your Account. 
8. AUTHORIZATIONS � We do not guarantee authorization 
of a transaction, either by us or by a third party, even if you 
have sufficient credit available. You agree that we will not 
be liable for failing to give an authorization. We also reserve 
the right to limit the number of transactions that may be 
approved in one day. We reserve the right to deny certain 
transactions for any reason and at our sole discretion, 
including for default, suspected fraudulent or unlawful 
activity, internet gambling or any indication of increased 
risk related to the transaction or the account. You agree that we have no requirement to notify you of the specific reason 
we denied a transaction. If we detect unusual or suspicious 
activity, we may suspend your credit privileges until we can 
verify the activity, or we may close the account.
9. INFORMATION UPDATING SERVICE AND 
AUTHORIZATIONS �  If you have authorized a merchant 
to bill charges to your card on a recurring basis, it is your 
responsibility to notify the merchant in the event your card is 
replaced, your account information (such as card number or 
expiration date) changes, or your account is closed. However, 
if your card is replaced or your account information changes, 
you authorize us, without obligation on our part, to provide 
the updated account information to the merchant in order to 
permit the merchant to bill recurring charges to your card. 
You authorize us to apply such recurring charges to your card 
until you notify us that you have revoked authorization for the 
charges to your card. 
Your card is automatically enrolled in an information 
updating service. Through this service, your updated account 
information (such as card number or expiration date) may be 
shared with participating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before your 
next payment to a merchant is due. You are responsible for 
making direct payment until recurring charges resume. To 
revoke your authorization allowing us to provide updated 
account information to a merchant, please contact us.
10. PREAUTHORIZED CHARGES �  We may suspend 
preauthorized recurring charges with merchants, if, for 
example, your card is lost or stolen, you default, or we change 
your account for any reason. If preauthorized recurring 
charges are suspended, you are responsible for making direct 
payment for such charges until you contact the merchant to 
reinstate recurring charges.
11. DEFAULT �  You will be in default under this Agreement if 
you fail to pay the Minimum Payment Due by its Payment Due 
Date; pay by a check or similar instrument that is not honored 
or that we must return because it cannot be processed; pay 
by automatic debit that is returned unpaid; make any false 
or misleading statements in any credit application or credit 
update; file for bankruptcy; or die. You will also be in default 
if you fail to comply with the terms of this Agreement or any 
other Agreement you have with us. You will also be in default 
if something happens that the credit union 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.If you default, we may close your account and require you 
to pay any unpaid balance immediately, subject to applicable 
law. In this Agreement and on your Credit Card Application, 
you gave us a security interest in all individual or joint share 
and/or deposit accounts with SEFCU and authorized us, if 
you defaulted, to apply the balance in these accounts to any 
amounts due. You agree we may rely on your agreement and 
authorization to, upon your default, apply any balance to any 
amounts due on your account.  
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN 
CARD NOTIFICATION �  If you notice the loss or theft of 
your credit card or a possible unauthorized use of your card, 
you should write to us immediately 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 any unauthorized use that occurs 
after you notify us of the loss, theft or possible unauthorized 
use. You may, however, be liable for unauthorized use that 
occurs before your notice to us. 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 for 
unauthorized transactions 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. To the extent permitted by law, changes to 
the Agreement may apply to your existing account balance as 
well as to future transactions. You are also responsible for all 
transactions posted on your account after termination, unless 
the transactions were unauthorized. If this is a joint account, 
the paragraph on JOINT ACCOUNTS of this Agreement also 
applies to termination of the account. 
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, 
Texas, Washington, and Wisconsin Residents.  Either you, 
your spouse or SEFCU may terminate this Agreement at any 
time SEFCU may terminate this Agreement upon reevaluation 
of your creditworthiness, upon failure to satisfy the terms 
of this Agreement, or by our option with good cause, as 
permitted by law. You may terminate this Agreement at any 
time by giving us written notice at our address listed on 
this Agreement. However, termination by you, your spouse 
or SEFCU will not affect your obligation to pay the account 
balance plus any finance and other charges you or your 
spouse 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 
Page 2 (continued) Page 3 (continued) Page 4 (continued) Page 5 (continued) Page 6 (continued) Page 7 (continued)and regulations regarding repayment requirements. The card 
or cards you receive remain the property of SEFCU and you 
must recover and surrender to SEFCU all cards upon request 
or upon termination of this Agreement whether by you or 
SEFCU. 
Residents of all other states. Either you or SEFCU may 
terminate this Agreement at any time. SEFCU may terminate 
this Agreement upon reevaluation of your creditworthiness, 
upon failure to satisfy the terms of this Agreement, or by 
our option with good cause, as permitted by law. You may 
terminate this Agreement at any time by giving us written 
notice at our address listed on this Agreement. However, 
termination by you or SEFCU 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. The card or 
cards you receive remain the property of SEFCU and you 
must recover and surrender to SEFCU all cards upon request 
or upon termination of this Agreement whether by you or 
SEFCU.
14. 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 notice 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 or convenience checks and if you 
request your account to be closed, we will close your account 
and you may apply for a new account. Alternatively, we may, 
at our sole discretion, issue you a new account number and 
a new card.
15. CREDIT REPORTS AND NOTICE OF NEGATIVE 
INFORMATION � You authorize SEFCU to obtain credit 
reports and any other information we may need to verify 
your identity and use of the account when opening your 
account and for any update, increase, renewal, extension, 
collection or review of your account. You authorize SEFCU 
to disclose information regarding your account to credit 
bureaus, merchants and creditors who inquire about your 
credit standing. We may report information about your 
account to credit bureaus. Late payments, missed payments, 
or other defaults on your account may be reflected on your 
credit report. If your account is eligible for emergency cash 
and/or emergency card 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 services(s).
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