15.  MERCHANT DISPUTES - The Credit Union is not 

responsible for the refusal of any merchant or financial 
institutions to honor the card. The Credit Union shall be 
subject to all claims (other than tort claims) and defenses 
arising out of the member’s purchase of goods and services 
to be paid in accordance with the credit agreement if 

(1) the member has made a good faith attempt to obtain 
satisfactory resolution of a disagreement or problem 
relative to the sale from the seller; 

(2) the amount of the initial transaction exceeds $50.00; 
and 

(3) the place where the initial transaction occurred was in 
the same state as the mailing address previously provided 
by the member or was within 100 miles from such address, 
except that the limitations set forth in subparagraphs (2) 
and (3) of this paragraph with respect to a member’s right 
to assert claims and defenses against the holder shall not be 
applicable to any transaction in which the seller 

(A) is the same person as the holder; 

(B) is controlled by the holder; 

(C) is under direct or indirect common control with the 
holder; 

(D) is a franchised dealer of the holder’s products or 
services; or 

(E) has obtained the order for such sale through a mail 
solicitation made by or participated in by the holder 
in which the member is solicited to enter into such 
transactions by using the credit agreement with the holder.

16.  EFFECT OF AGREEMENT - The 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.

17.   NO WAIVER - If any section of the Agreement is deemed 
void, the unaffected section(s) and the Agreement as a 
whole are still binding.

18.  STATEMENTS AND NOTICES - You will receive a 

statement each month (which may not be a calendar month) 
showing transactions on your account.  

Statements and notices will be mailed to you at the most 
recent address you have given the Credit Union. Notice 
sent to any one of you will be considered notice to all. You 
may pay your total indebtedness at any time.

19.  VISA CREDIT CHECKS - You may obtain from us 

special checks with your Visa Card account number on 
them. When Cardholders use one of these checks, they will 
be making a loan (Cash Advance) from us in the amount 
of the check. If you also have a regular checking account 
with us, that checking account is completely separate from 
the checks you write under this Account. That means your 
Visa Checks are used only in connection with your Visa 
Account. Visa Checks may only be used by the person 

whose name is printed on the checks. Except as stated 
above, Visa checks will be treated the same way as other 
checks. The Credit Union need not pay any Visa check if:

(a) paying the check would cause your credit limit to 
be exceeded or the check was written for less than the 
minimum of $25.00; or

(b) you are in default under this Agreement; or

(c) your privilege to use the Card or Visa Check has ended 
for any reason.

20.  GOVERNING LAW - This agreement is made in New 
York and shall be construed and governed by the laws of 
the State of New York to the extent that New York law is 
not inconsistent with controlling Federal Law.

Consensual Security Interest for 
Offset to Credit Cards

I understand that a security interest is a condition for 
the credit card account I have requested. I hereby 
give SEFCU a security interest in all funds now and 
hereafter in my deposit accounts (excluding IRAs) at 
SEFCU and, if I default under the terms of this agree-
ment, I authorize SEFCU to apply such funds to the 
payment of my credit card indebtedness. Initial and 
continued use of the card constitute my affirmative 
consent to this offset provision.

P.O. Box 12189, Albany, NY 12212-2189
518-452-8183 (Capital Region)
800-727-3328 (Outside the 518 area code)
www.sefcu.com

M-106346    
STK# 7500-02 5/12  

SEFCU VISA® CREDIT CARD AGREEMENT

AND TRUTH IN LENDING DISCLOSURE

1.    AGREEMENT - This is an agreement between SEFCU 

(referred to as the “Credit Union,” “us” or “we”) and each 
member (referred to as “you” or the “Member”) who 
applies for and becomes obligated on a SEFCU Visa 
credit card account. The Account Opening Disclosure is 
incorporated by reference into this agreement. You should 
retain both disclosures as together they represent the legal 
obligations of this Visa account. Each Visa Card issued in 
connection with this account is referred to as the “Visa” 
or the “card.” Each person, including the Member, whose 
name is printed on the card or who is authorized by the 
Member to use the card is referred to as the “Cardholder.”  
A Cardholder’s first use of the card will mean that you 
accept the terms of this Agreement. Before the first use of 
the card, this agreement will not be in effect, and you will 
not be responsible for use of the card if it is lost or stolen.

2.    USING THE ACCOUNT - If you are approved for a 
Visa account, the Credit Union will establish a line of 
credit for you and notify you of its amount when the card 
is sent to you. You agree not to let your balance exceed 
your approved credit limit. Each payment you make on 
the account will restore your credit limit by the amount of 
the payment which is applied to the principal amount of 
purchases and cash advances. You may request, either in 
writing or by phone, an increase in your credit limit which 
must be approved by the Credit Union. The Credit Union 
has the right to reduce or terminate your credit limit at any 
time.

3.   USING THE CARD - Each Cardholder may use the card 
issued to the Cardholder to make purchases in person, 
and by mail, telephone, or Internet, from merchants and 
others who accept Visa cards. In addition, Cardholders may 
obtain cash advances from the Credit Union, from other 
financial institutions participating in the Visa programs, 
and from Automated Teller Machines (ATMs), such as 
VISANET, that provide access to the Visa system. (Not all 
ATMs provide such access.) A Cardholder will need to use 
a Personal Identification Number (PIN) to obtain a cash 
advance from an ATM. Once you receive your Visa card, 
this card must be signed by the individual whose name is 
printed on it. 

      The Member is responsible to pay for all purchases, 

advances, and other charges to the account made by each 
Cardholder, even if the charges were not specifically 
authorized by the Member. Your obligation to pay the 
amount owed on your account continues until paid in 
full, even though an agreement, divorce decree, or other 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
court judgment to which the Credit Union is not a party 
may direct someone else to pay the account balance. If 
more than one person signs the credit card application, 
each is individually responsible for all amounts owed on 
the account and all are jointly responsible for all amounts 
owed. This means the Credit Union can enforce this 
Agreement against any of you individually or all of you 
together.

ILLEGAL TRANSACTIONS PROHIBITED — You 
agree that you will not use your card for any transaction 
that is illegal under applicable federal, state, or local law. 
Cardholders are restricted from using their Card for any 
illegal transactions; this includes but is not limited to 
transactions such as unlawful gambling.

4.    FINANCE CHARGES - In order to avoid a FINANCE 

CHARGE (interest) on purchases made since your last 
statement date, you must pay the Total New Balance 
shown on your statement within 25 days of the statement 
closing date. Otherwise a FINANCE CHARGE (interest) 
on purchases is calculated from the date the purchase is 
posted to your account. Cash advances are always subject 
to a FINANCE CHARGE (interest) from the date they are 
posted to your account. The FINANCE CHARGE (interest) 
on purchases and cash advances is calculated at a periodic 
rate per month with an ANNUAL PERCENTAGE RATE 
as disclosed in the Account Opening Disclosure. Separate 
FINANCE CHARGES for purchases and cash advances are 
determined by multiplying the periodic rate by the separate 
average daily balances for purchases and cash advances.  
Each average daily balance is determined by taking the 
beginning balance of cash advances or purchases in your 
account each day, adding any new purchases and/or cash 
advances (whichever is applicable) and subtracting any 
payments or credits. The results are the daily balances. All 
the daily balances for the statement cycle are added and 
the total is divided by the number of days in the statement 
cycle to arrive at the average daily balance for the cycle.

5.    OTHER CHARGES - The following other charges, which 
are disclosed on the Account Opening Disclosure, will 
be added to your account, as applicable. You will incur a 
late payment fee should your payment be received after 
the payment due date. You will be charged a fee if your 
payment is returned for non-sufficient funds. Fees may 
apply when using your card outside the United States. 

6.    MONTHLY PAYMENT - Each month, you must pay 

at least the minimum payment shown on your statement 
within 25 days of the statement closing date. You may, of 
course, pay more frequently, pay more than the minimum 
payment, or pay the Total New Balance in full. If you make 
extra payments or larger payments, you are still required 
to make at least the minimum payment each month your 
account has a balance. The minimum payment is 4% of 
your Total New Balance, but not less than $25.00, plus the 
amount of any prior minimum payments that you have 

7. 

not paid. In addition, at any time your Total New Balance 
exceeds your credit limit, you must immediately pay the 
excess upon demand. 

SECURITY INTEREST - If you give the Credit Union 
a specific pledge of shares by signing a separate pledge of 
shares for this account, your account will be secured by 
your pledged shares. If you default, the Credit Union has 
the right to offset against those shares. Property securing 
other loans with us may also secure this account. However, 
if you have given your dwelling as security for a loan with 
us, that dwelling will not secure an advance made under the 
account.

8.  DEFAULT - You will be in default if you fail to make 

any minimum payment or other required payment by the 
date that it is due. You will be in default if you break any 
promise you make under this Agreement. You will be in 
default if you die, file for bankruptcy, or become insolvent, 
that is, unable to pay your obligations when they become 
due. You will be in default if you make any false or 
misleading statements on any credit application or credit 
update. When you are in default, the Credit Union has the 
right to demand immediate payment of your full account 
balance without notice. If immediate payment is demanded, 
you will continue to pay a FINANCE CHARGE, at the 
periodic rate charged before default, until what you owe 
has been paid, and any shares that were given as security 
will be applied toward what you owe.

To the extent permitted by law, you will also be required to 
pay the Credit Union’s collection expenses, including court 
costs and reasonable attorneys’ fees.

9.  LIABILITY FOR UNAUTHORIZED USE - You may 
be liable for the unauthorized use of your credit card. You 
will not be liable for unauthorized use that occurs after you 
notify SEFCU, orally or in writing, of the loss, theft, or 
possible unauthorized use. In any case, your liability will 
not exceed $50 for unauthorized cash advances at ATMs. 
You will have no liability for unauthorized purchases made 
with your credit card. If SEFCU determines that you were 
grossly negligent or fraudulent in the handling of your 
account or Card, your liability with respect to unauthorized 
transactions may be enforced to the extent allowed under 
applicable law.

10.  LOST CARD NOTIFICATION - If you believe your 

credit card has been lost or stolen, immediately inform the 
Credit Union by calling: 518-452-8183 or 800-449-7728 
outside the 518 area code within the continental U.S.

11.  CHANGING OR TERMINATING YOUR  

ACCOUNT - The Credit Union may change the terms 
of the Agreement from time to time, after giving you any 
advance notice required by law. The Cardholder’s use of 
the card after receiving notice of a change or no response to 
the notice within 30 days of the effective date of the change 
will indicate agreement to the change. To the extent the  
law permits, and is indicated on the notice to you, the 

change will apply to your existing account balance, as well 
as to future transactions.  In some cases, you will be given 
the option to not accept a change to this Agreement upon 
receipt of a notice informing you of a change. If you do not 
accept the change, you will not be permitted to continue to 
use the card. You will be allowed to pay off any existing 
balance under the current terms of the Agreement.  Either 
the Credit Union or you may terminate this Agreement at 
any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus 
any FINANCE AND OTHER CHARGES you owe under 
this Agreement. The cards you received remain the property 
of the Credit Union and you must recover and surrender to 
the Credit Union all cards upon request or upon termination 
of this Agreement, whether by you or the Credit Union.

12.  CREDIT INFORMATION - You authorize the Credit 
Union to investigate your credit standing when opening 
or reviewing your account. You authorize the Credit 
Union to disclose information regarding your account to 
credit bureaus and creditors who inquire about your credit 
standing. Information from credit bureaus may be obtained 
with respect to any renewal or future extension of credit. If 
you ask, you will be told whether or not credit reports on 
you were requested and the names of the credit bureaus, 
with their addresses, that provided the reports.

13.  RETURNS AND ADJUSTMENTS - Merchants and 

others who honor the card may give credit for returns or 
adjustments, and they will do so by sending their processor 
a credit slip which will be posted to your account. If your 
credits and payments exceed what you owe the Credit 
Union, the amount will be applied against future purchases 
and cash advances. If the amount is $1 or more, it will be 
refunded upon your written request or automatically after 
six months.

14.  FOREIGN TRANSACTIONS - Purchases and cash 

advances made in foreign currencies will be debited from 
your account in U.S. dollars. The exchange rate between 
the transaction currency and the billing currency used for 
processing international transactions is a rate selected by 
Visa from a range of rates available in wholesale currency 
markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives or the 
government-mandated rate in effect for the applicable 
central processing date. The exchange rate used on the 
processing date may differ from the rate that would have 
been used on the purchase date or cardholder statement 
posting date.  

A fee of 1% of the amount of the transaction, calculated in 
U.S. dollars, will be imposed on all foreign transactions, 
including purchases, cash advances and credits to your 
account.   A foreign transaction is any transaction that you 
complete or a merchant completes on your card outside of 
the United States, with the exception of U.S. military bases, 
U.S. territories, U.S. embassies or U.S. consulates.     

 
 
 
 
 
 
I

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M

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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