Patroon Creek Corporate Center 
700 Patroon Creek Blvd. 
Albany, NY 12206-1067 
800-727-3328 
www.sefcu.com 

WORLD MASTERCARD B 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card 
Agreement. Please keep this  attached to your  LOANLINER Consumer  Credit  Card Agreement. 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

6.90% Introductory APR for a period of six (6) billing cycles. 
After that your APR will be 10.24%. This APR will vary with the market based on the Prime Rate. 
6.90% Introductory APR for a period of six (6) billing cycles. 

After that your APR will be 10.24%. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

6.90% Introductory APR for a period of six (6) billing cycles. 

After that your APR will be 10.24%. This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it Applies 

None 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month. We will begin 
charging interest on balance transfers and cash advances on the transaction date. 

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 of 
the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 
-  Balance Transfer  Fee 
-  Cash Advance Fee 

-  Foreign Transaction  Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

$0.00 
$5.00 or 3.00% of the amount of each cash advance, whichever is greater (not applicable when using 
convenience checks) 
0.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account 
Agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement. 

OTHER DISCLOSURES 

Late Payment Fee 

$25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or 
more days late in making a payment. 

Returned Payment Fee                             $25.00 or the amount of the required minimum payment, whichever is less. 

Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable 
attorney fees. 

Periodic Rates: 
The Introductory Purchase APR is 6.90% which is a monthly periodic rate of 0.5750%.  
The Purchase APR is 10.24% which is a monthly periodic rate of 0.8533%. 
The Introductory Balance Transfer APR is 6.90% which is a monthly periodic rate of 0.5750%.  
The Balance Transfer APR is 10.24% which is a monthly periodic rate of 0.8533%. 
The Introductory Cash Advance APR is 6.90% which is a monthly periodic rate of 0.5750%.  
The Cash Advance APR is 10.24% which is a monthly periodic rate of 0.8533%. 

Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and will be determined by the Prime Rate 
45 days prior to the first day of each calendar quarter (January, April, July and October) as published in The Wall Street Journal “Money Rates” 
table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL 
PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer 
available, the credit union will choose a new index which is based upon comparable information. 
Margin: 
Purchases will be charged at 6.99% above the Index. 
Balance Transfers will be charged at 6.99% above the Index. 
Cash Advances will be charged at 6.99% above the Index. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Patroon Creek Corporate Center 
700 Patroon Creek Blvd. 
Albany, NY 12206-1067 
800-727-3328 
www.sefcu.com 

WORLD MASTERCARD B 

CREDIT CARD ACCOUNT 
OPENING DISCLOSURE 

i002503 

© CUNA Mutual Group 2009,10,12  
All Rights Reserved 

MC-

AODWB 7/15