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).
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.

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.

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.

© CUNA Mutual Group 1991, 2006, 09,  
10, 12, 14, 16 All Rights Reserved

03100017-
MXC322-C-1-
112017

Patroon Creek Corporate Center
700 Patroon Creek Blvd.
Albany, NY 12206-1067
800-727-3328
www.sefcu.com

CONSUMER CREDIT 
CARD AGREEMENT 
AND DISCLOSURE

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

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PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials12/08/17 031-0001-7 SEFCU 90401 MXC322_MH HR 21 x 8.5 3.5 x 8.5 SYI003558all  of  the  unpaid  balance.  You  acknowledge  and  agree 
that  your  pledge  does  not  apply  during  any  periods 
when  you  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  —  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.
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  AUTHORIZA- 
TIONS — 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, but 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 
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, but termination by you 
or  SEFCU  will  not  affect  your  obligation  to  pay  the  account 

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PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials12/08/17 031-0001-7 SEFCU 90401 MXC322_MH HR 21 x 8.5 3.5 x 8.5 SY