ADDENDUM TO VISA® CREDIT CARD AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE	01/01/2012
VISA® CREDIT CARD DISCLOSURE
This addendum is incorporated into and becomes a part of your VISA Credit Card Agreement and Truth-in-Lending Disclosure (“VISA Agreement”). Please keep this attached to your VISA Agreement.
FINANCE-CHARGE: Finance Charge (interest) is calculated at the monthly periodic rate and corresponding Annual Percentage Rate on the average daily balances of purchases and cash advances as described below:
Monthly Periodic Rate		ANNUAL PERCENTAGE RATE (APR)
VISA Capital Card* (Fixed Rate)	1.2417%	9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter
VISA Gold Card** (Variable Rate)	0.6875%	6.9% on purchases and cash advances for the first 6 months; Prime Rate plus 5.0% thereafter
VISA Business Gold Card** (Variable Rate)	0.6875%	Prime Rate plus 5.0%
VISA Capital Share Secured Card (Fixed Rate)	1.2417%	9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter
VISA Capital Share Certificate Secured Card (Fixed Rate)	1.2417%	9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter
+VISA Gold Share Secured Card (Variable Rate)	0.2708%	Prime Rate plus 0%. This based upon the card being secured by any SEFCU share types one (1) or two (2). [Mint Savings or Preferred Savings] with a balance equal to or exceeding the credit line granted
++VISAGold Share Certificate Secured Card (Variable Rate)	0.2708%	Prime Rate plus 0%. This based upon the card being secured by any SEFCU Share Certificate, with a balance equal to or exceeding the credit line granted
*As of June 1, 1999, new Capital Card accounts will receive the special introductory rate of 9.9%APR on all purchases and cash advances for the first 12 months.
**The Finance Charge (interest) on purchases and cash advances is calculated by adding 5.0% to the highest Prime Rate available as published in the Wall Street Journal, no less than 45 days prior to annual percentage rate adjustments effective with the first billing cycle of January, April, July, and October respectively. As of November 2011, the Prime Rate was 3.25%. Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 8.25%. Future prime rates and corresponding APRs will vary. As of November 1, 1998, new Visa Gold accounts will receive a special introductory rate of 6.9% APR for the first six months. The introductory rate program does not apply to the Visa Business Gold Card program.
+The Finance Charge (interest) on purchases and cash advances is calculated by adding 0.0% to the highest Prime Rate available as published in the Wall Street Journal, no less than 45 days prior to annual percentage rate adjustments effective with the first billing cycle of January, April, July, and October respectively. As of November 2011, the Prime Rate was 3.25%. Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 3.25%. Future prime rates and corresponding APRs will vary. Accounts that move from a secured status to unsecured will shift to the prevailing Gold card variable rate noted above. The introductory rate program does not apply to the Visa Shared Secured Gold Card program.
++ The Finance Charge (interest) on purchases and cash advances is calculated by adding 0.0% to the highest Prime Rate available as published in the Wall Street Journal, no less than 45 days prior to annual percentage rate adjustments effective with the first billing cycle of January, April, July, and October respectively. As of November 2011, the Prime Rate was 3.25%. Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 3.25%. Future prime rates and corresponding APRs will vary. Accounts that move from a secured status to unsecured will shift to the prevailing Gold card variable rate noted above. The introductory rate program does not apply to the Visa Share Certificate Secured Gold Card program.
COLLECTION-COSTS: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.
SECURITY INTEREST: The debts secured by the security interest you are giving the credit union include all debts you currently owe the Credit Union and all debts you may owe the Credit Union in the future whether or not the debts arise under this agreement or whether or not you expressly refer to this security interest when you incur the debt. This security interest covers the secured property together with any additions to it or replacements for it acquired within 10 days of the advance, and proceeds from any sale or other disposition of it.
LATE-CHARGES: You promise to pay a late charge of 5% of your minimum monthly payment on every payment that is over 15 days past due.
OTHER CHARGES: $25.00 fee for Non-Sufficient Funds
TELEPHONE INFORMATION-AND-MAILING-ADDRESS: For all purposes as referenced in the VISA Credit Card Agreement and Truth in Lending Disclosure call us at (518) 452-8183, or write the credit union at SEFCU, Patroon Creek Corporate Center, 700 Patroon Creek Blvd., Albany, NY 12206
COST-OF-CREDIT-INSURANCE: The cost of credit insurance (per $100 of your monthly loan balance) will be calculated based on the following: Credit Disability 13.6$ up to age 66, Single Credit Life 5.8$, Joint Credit Life 9.2$ up to age 70.
LOST OR STOLEN VISA® CARDS: Call the credit union at (518) 452-8183 or (800) 727-3328.
Card Program	ANNUAL PERCENTAGE RATE	Variable Rate Information	Grace Period for repayment of the balance for purchases	Method of computing the balance for purchases	Annu al Fees	Other Fees
Visa Capital Card Minimum $500	9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter.	None	25 days	Average daily balance including new purchases	None	Late Payment: 5% of the minimum payment
Visa Gold Card Minimum $2,500	6.9% on purchases and cash advances for the first 6 months; Prime Rate** plus 5.0% thereafter	After the first six months (introductory period) your percentage rate becomes a variable interest rate. The rate is determined by adding 5.0% to the highest Prime Rate available as published in the Wall Street Journal, no less than 45 days prior to annual percentage rate adjustments effective with the first billing cycle of January, April, July, and October respectively. The new rate will be effective with the first billing cycle after the 6-month introductory period.	25 days	Average daily balance including new purchases	None	Late Payment: 5% of the minimum payment
Share Secured Visa Capital Card Minimum $500	9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter.	None	25 days	Average daily balance including new purchases	None	Late Payment: 5% of the minimum payment
Share Certificate Secured Visa Capital Card Minimum $500	9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter.	None	25 days	Average daily balance including new purchases	None	Late Payment: 5% of the minimum payment
Visa Business Gold Card Minimum $5,000	Prime Rate** plus 5.0%	The rate is determined by adding 5.0% to the highest Prime Rate available as published in the Wall Street Journal, no less than 45 days prior to annual percentage rate adjustments effective with the first billing cycle of January, April, July, and October respectively.	25 days	Average daily balance including new purchases	None	Late Payment: 5% of the minimum payment
Share Secured Visa Gold Card Minimum $2,500 and Share Certificate Secured Visa Gold Card Minimum $2,500	Prime Rate + plus 0.0% on purchases and cash advances.	Your percentage rate is a variable interest rate. The rate is determined by the highest Prime Rate published in the Wall Street Journal, no less than 45 days prior to annual percentage rate adjustments effective with the first billing cycle of January, April, July, and October respectively..	25 days	Average daily balance including new purchases	None	Late Payment: 5% of the minimum payment