ADDENDUM TO VISA CREDIT CARD AGREEMENT AND TRUTH-IN-LENDING DISCLOSURE   

     4/01/2012 

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: 

VISA Capital Card* (Fixed Rate) 

         1.2417% 

9.9% on purchases and cash advances for the first 12 months; 14.9% thereafter 

Monthly Periodic Rate 

ANNUAL PERCENTAGE RATE (APR) 

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  

++VISA Gold Share Certificate Secured Card 
(Variable Rate) 

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   

        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 February 2012, 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 February 2012, 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 February 2012, 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  

Visa  Capital Card 
 Minimum $500 

Visa Gold Card 
Minimum $2,500 

 9.9% on purchases and cash 
advances for the first 12 
months; 14.9% thereafter. 
6.9% on purchases and cash 
advances for the first 
6 months; Prime Rate** plus 
5.0% thereafter 

 9.9% on purchases and cash 
advances for the first 12 
months; 14.9% thereafter. 
 9.9% on purchases and cash 
advances for the first 12 
months; 14.9% thereafter. 

Prime Rate** plus 5.0% 

Prime Rate + plus 0.0% on 
purchases and cash 
advances. 

Share Secured 
Visa Capital Card 
 Minimum $500 
Share Certificate  
Secured Visa 
Capital Card 
 Minimum $500 
Visa Business Gold 
Card  
Minimum $5,000 

Share Secured  
Visa Gold Card 
Minimum $2,500 
and  
Share Certificate 
Secured Visa Gold 
Card 
Minimum $2,500 

None 

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. 
None 

None 

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. 

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..  

Grace Period 
for repayment 
of the balance 
for purchases 
25 days 

25 days 

Method  
of computing 
the balance for 
purchases 
Average daily balance 
including new purchases 

Average daily 
balance including 
new purchases 

Annu
al 
Fees 

None 

None 

Other Fees 

Late Payment:  5% of 
the minimum payment 

Late Payment:  5% of 
the minimum payment 

25 days 

25 days 

25 days 

25 days 

Average daily balance 
including new purchases 

None 

Late Payment:  5% of 
the minimum payment 

Average daily balance 
including new purchases 

None 

Late Payment:  5% of 
the minimum payment 

Average daily balance 
including new purchases 

None 

Late Payment: 5% of 
the minimum payment 

Average daily 
balance including 
new purchases 

None 

Late Payment:  5% of 
the minimum payment