b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nFOUNDER\'S CARD\nALUMNI REWARDS CARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Pennsylvania State Employees Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d\nand \xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account"\nmeans the line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nPage 1 of 6\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n\xc2\xa9PSECU Form #3897 REV 7/2019\n\n03720921-MXC30-C-2-040219 (MXC303-E)\n\n\x0cThe Minimum Payment Due is 2.00% of Your total New Balance, or $30.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$30.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction. However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n\nPage 2 of 6\n03720921-MXC30-C-2-040219 (MXC303-E)\n\n\x0c10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 67013,\nHarrisburg, PA, 17106 or call Us at (800) 237-7328 or (800) 556-5678, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n\nPage 3 of 6\n03720921-MXC30-C-2-040219 (MXC303-E)\n\n\x0c18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nPennsylvania.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 You agree to pay all costs of collecting the amount You owe under this Agreement,\nincluding court costs and reasonable attorney\'s fees.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n25. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n26. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n27. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n28. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n29. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n30. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n31. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n\nPage 4 of 6\n03720921-MXC30-C-2-040219 (MXC303-E)\n\n\x0c33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n34. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n\nPage 5 of 6\n03720921-MXC30-C-2-040219 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf 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\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe 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\ndelinquent.\nPage 6 of 6\n03720921-MXC30-C-2-040219 (MXC303-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nCLASSIC CARD\nALUMNI CLASSIC CARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Pennsylvania State Employees Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d\nand \xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account"\nmeans the line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\n\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n\nPage 1 of 6\n\xc2\xa9PSECU Form #3905 REV 7/2019\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03720921-MXC30-C-1-040219 (MXC303-E)\n\n\x0c4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction. However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nPage 2 of 6\n03720921-MXC30-C-1-040219 (MXC303-E)\n\n\x0cmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 67013,\nHarrisburg, PA, 17106 or call Us at (800) 237-7328 or (800) 556-5678, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n\nPage 3 of 6\n03720921-MXC30-C-1-040219 (MXC303-E)\n\n\x0c17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nPennsylvania.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 You agree to pay all costs of collecting the amount You owe under this Agreement,\nincluding court costs and reasonable attorney\'s fees.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n25. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n26. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n27. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n28. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n29. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n30. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n31. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\nPage 4 of 6\n03720921-MXC30-C-1-040219 (MXC303-E)\n\n\x0c33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n34. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n\nPage 5 of 6\n03720921-MXC30-C-1-040219 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf 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\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe 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\ndelinquent.\nPage 6 of 6\n03720921-MXC30-C-1-040219 (MXC303-E)\n\n\x0c'


b'V I S A \xc2\xae F O U N D E R \xe2\x80\x99 S C A R D & V I S A\xc2\xae A L U M N I R E W A R D S C A R D\n\nREWARDS PROGRAM - TERMS AND CONDITIONS\nThe Rewards Program (the \xe2\x80\x9cProgram\xe2\x80\x9d) is offered in connection with PSECU\xe2\x80\x99s Visa\xc2\xae Founder\xe2\x80\x99s Card and Visa\xc2\xae Alumni\nRewards Card (the \xe2\x80\x9cCard Account\xe2\x80\x9d) for its Cardholders, and in conjunction with their PSECU Membership Account.\nThe Program allows you, the Cardholder (the Borrower and any Co-borrower), to earn 1.5% cash rewards, or 2% if\nyou qualify, on eligible purchases in accordance with and subject to the following Terms and Conditions (\xe2\x80\x9cTerms\xe2\x80\x9d).\nPlease keep a copy of these Terms for your records.\n1. REWARDS ON PURCHASES: You can earn Rewards (\xe2\x80\x9cRewards\xe2\x80\x9d) on the net amount of eligible purchases\nthat appear on your Card Account billing statement. Transactions that are not eligible for Rewards under this\nprogram include, but are not limited to, the following: Balance transfers, cash advances, convenience checks,\ndisputed or unauthorized purchases/fraudulent transactions, credits, purchase of Travelers Cheques, gift cards,\nquasi-cash and any other cash equivalent transactions, account fees, fee reversals, dividends posted by PSECU,\noverdraft transfers, merchant returns, and credit adjustments. Rewards are calculated by PSECU at the end of\neach billing cycle, for your Card Account, by first taking the total dollar amount of all eligible purchases made\nduring that billing cycle and then subtracting any refunds or returns that are posted during that timeframe.\nThat total is the net amount of eligible purchases. PSECU then calculates Rewards based upon that net amount.\nAs an example, a Cardholder who has $250 of eligible purchases and $50 of purchase returns during a billing\ncycle ($250 - $50 = $200 net amount) may qualify for $3 in Rewards at the 1.5% level. You qualify to earn 2%\nRewards if you, the Borrower, have a checking account open on your PSECU Membership Account and also\nhave qualifying direct deposits (i.e. electronic deposit of payroll, retirement income, Social Security income)\ntotaling at least $500.00 into your Account during the billing cycle for which Rewards are calculated. PSECU\nwill determine your Rewards level at the end of each billing cycle. The Rewards Account is not a cash account,\nand it does not earn dividends. PSECU reserves the right, in its sole discretion, to determine what transactions\nqualify as eligible purchases, and to determine the amount of Rewards earned and to make adjustments to the\nRewards Account.\n2. VALUE OF REWARDS: Rewards have no cash value until such time that a Cardholder requests and redeems\navailable Rewards. There is no minimum or maximum Rewards amount that you can earn. You may not assign,\ntransfer, barter, or pledge your Rewards in any manner, and you have no property rights or any other legal\nownership interest in Rewards. PSECU is the owner of all Rewards until such time that they are redeemed. You,\nthe Cardholder, are solely responsible for any tax consequences that may be associated with your Rewards.\nPlease consult with your tax advisor, as PSECU does not provide tax advice.\n3. REDEEMING CASH REWARDS: You are responsible for all Rewards Account activity. Rewards are eligible to be\nredeemed once PSECU has posted them to your Rewards Account, which is associated with your Card Account.\nIf you are the Borrower (the Borrower is the PSECU Membership Account owner and Cardholder who applied for\nthe Card Account), you can view and redeem Rewards online by signing into your PSECU Membership Account or\nby contacting PSECU at 800.237.7328. As the Borrower, you may request that Rewards be redeemed to your\nPSECU Membership Account Regular shares or Checking shares, or you may redeem them to your Card Account\nloan balance. If you, the Borrower, also have a PSECU Visa\xc2\xae Classic Credit Card (\xe2\x80\x9cClassic Card\xe2\x80\x9d) on your PSECU\nMembership Account, you may redeem Rewards to that Classic Card account. Rewards that are redeemed to\nyour Card Account, or to your Classic Card account, will be applied in the same way that a payment is applied,\nand you will remain responsible to make your monthly minimum payment on that Card Account or Classic Card\naccount. If you are the Co-borrower, you must call PSECU at 800.237.7328 in order to redeem Rewards.\n4. NO EXPIRATION: Your Rewards will not expire. They may, however, be suspended, restricted, or forfeited in\naccordance with these Terms.\n\n\x0c5. RIGHT TO CHANGE TERMS: PSECU may revise these Terms at any time, up to and including termination of the\nProgram, without providing you with advance notice of such revision. This includes the determination of what kinds of\ntransactions are included as eligible purchases. If PSECU chooses to terminate the Program, any unredeemed Rewards\nyou have earned may be redeemed and placed into your Regular share account. Any changes to the Terms will be posted\nto psecu.com/disclosures.\n6. RESTRICTIONS: Rewards may be earned and are redeemable only when your Card Account is open and current, meaning\nthat you are not past due making a payment. PSECU reserves the right to determine, in its sole discretion, whether\nthe Card Account meets all qualifications for earning and redeeming Rewards, and also reserves the right to prohibit\nany Cardholder from participating in the Program. PSECU may suspend and/or cancel a Cardholder\xe2\x80\x99s participation in\nthe Program, including forfeiture of any Rewards, if PSECU determines that Cardholder has acted in any manner that\nreflects suspicious or fraudulent activity, or that in any way is abusive of the Program. Rewards that are forfeited, for\nany reason, may not be reinstated, and you are not entitled to compensation for any forfeited, suspended, or restricted\nRewards. PSECU will not notify you of any forfeiture of Rewards. PSECU\xe2\x80\x99s decision not to enforce any rights it has under\nthese Terms does not waive its right to enforce them at a later time.\n7. PURCHASE RETURNS AND REWARDS ADJUSTMENTS: Returning a purchased item, disputing a merchant charge, or\nreceiving a refunded purchase amount may result in a credit being applied to your Card Account. This could reduce or\neliminate any accumulated Rewards, and may cause a negative Rewards Account balance. Any Rewards earned thereafter\nwill first be applied to bring the Rewards Account balance to zero.\n8. CLOSURE OF CARD ACCOUNT: If your Card Account is closed for any reason, any Rewards accrued will be forfeited.\nRewards must be redeemed in accordance with these Terms prior to Card Account closure.\n9. DECEASED ACCOUNT: Upon the death of the Borrower, if there is no Co-borrower on the Card Account, unredeemed\nRewards will first be applied by PSECU to the Card Account loan balance, and then any remaining Rewards will be\nredeemed to the PSECU Membership Account Regular shares. If there is a Co-borrower on the Card Account, then upon\nthe death of the Borrower any unredeemed Rewards will first be applied by PSECU to the Card Account loan balance, and\nthen any remaining Rewards will be redeemed by PSECU and a check will be issued to the surviving Co-borrower. Upon\nthe death of the Co-borrower, unredeemed Rewards will first be applied by PSECU to the Card Account loan balance,\nand then any remaining Rewards will be redeemed to the PSECU Membership Account Regular shares. The estate of\nthe deceased Cardholder will not be eligible to redeem any Rewards, regardless of how the estate was created, and as\nstated in these Terms no property right is created in the Rewards.\n10. GOVERNING LAW: The laws of the Commonwealth of Pennsylvania shall govern all aspects of this Program, including\nthese Terms. This Program and any Rewards are void where prohibited by federal, state, or local law. PSECU has no\nobligations in regard to this Program other than those stated in these Terms.\n11. PSECU AGREEMENTS: These Terms and this Program do not alter any other agreement that you have with PSECU.\nYour PSECU Agreements and Disclosures for your PSECU Membership Account and your Card Account Consumer Credit\nCard Agreement (together, \xe2\x80\x9cAgreements\xe2\x80\x9d) will both continue to apply, and any conflict between those Agreements and\nthese Terms shall be resolved in favor of those Agreements for any matter that pertains to your PSECU Membership\nAccount and/or your Card Account.\n\n800.237.7328 \xe2\x80\xa2 PSECU.COM \t\t\t\t\t\t\t\t\t\t \xc2\xa9PSECU Form #3907 0321\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nPENNSYLVANIA STATE\nEMPLOYEES CREDIT UNION\nP.O. Box 67012\nHarrisburg, PA 17106\n800.237.7328 \xe2\x80\xa2 PSECU.COM\n\nCLASSIC CARD\nALUMNI CLASSIC CARD\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n2.90% Introductory APR until December 31, 2022.\nAPR for Balance Transfers\n\n9.90%\n\nAfter that, Your APR will be 9.90%.\nAPR for Cash Advances\n\n9.90%\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nNone\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nNone\nUp to $20.00\nNone\nNone\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to Your Account from 01/01/2021 until\n12/31/2021. Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not\neligible for the Introductory APR for balance transfers.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n\xc2\xa9PSECU Form #3902 1220\n\n03720921-MXC20-C-3-092817 (MXC201-E)\n\n\x0cFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 237-7328 extension 3846 to receive oral disclosures of the Military Lending Act disclosure\nabove and a description of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nPIN Replacement Fee:\nNone.\nRush Fee:\n$40.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nUnreturned Card Fee:\nNone.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 9.90% which is a monthly periodic rate of 0.8250%.\nThe Introductory Balance Transfer APR is 2.90% which is a monthly periodic rate of 0.2417%.\nThe Balance Transfer APR is 9.90% which is a monthly periodic rate of 0.8250%.\nThe Cash Advance APR is 9.90% which is a monthly periodic rate of 0.8250%.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03720921-MXC20-C-3-092817 (MXC201-E)\n\n\x0c'


b'Citadel World Mastercard\xc2\xae Agreements & Disclosures\nM-131842\nInterest Rates and Interest Charges\nHow to Avoid Paying Interest\n\nYour due date is 25 days after the close of each billing cycle. We will not charge you any interest on\npurchases if you pay your entire balance by the due date each month. Interest is charged on cash\nadvances and balance transfers from the date the advance is made.\n\nFor Credit Card Tips From The Consumer\nFinancial Protection Bureau\n\nTo learn more about the factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\nTransaction Fees\nCash Advance Fee\n\nUp to 5% of amount advanced ($10.00 minimum)\n\nPenalty Fees\nLate Fee\nReturned Check Fee\n\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called the \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nThe information about the costs of the card described is accurate as of 8/20. This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191.\nYour APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month.\nWe calculate your rate by adding a margin of 6.99% - 14.99% to the Prime Rate. The result is your APR.\nThere is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes may result in an increase in the minimum payment or an\nincrease in time it will take to pay off the balance on card. Please refer to your statement for your APR.\nTo view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/WorldGTB\n\nCitadel World Mastercard\xc2\xae Line of Credit Agreement\nAgreement between Citadel and the borrower(s):\n\n1. Upon using this card, I agree to be bound by the terms and conditions of Citadel\xe2\x80\x99s credit\ncard agreement. I signifies \xe2\x80\x9cwe\xe2\x80\x9d.\n2. I hereby apply for a line of credit that I can use from time to time and which may be replenished by payment on amounts previously drawn.\n3. This Agreement establishes my request for the issuance of a Mastercard upon approval\nby Citadel. (a) The credit limit approved shall be determined by Citadel, and this credit limit\nwill be drawn upon as I utilize an issued Mastercard Credit Card. (b) The line of credit will be\nrepaid in accordance with terms and conditions issued by Mastercard International, Inc., and in\naccordance with policies established by Citadel\xe2\x80\x99s Board of Directors.\n4. A Finance Charge will be imposed on Mastercard Cash Advances that you obtain through\nthe use of your Mastercard as of the date of each such Cash Advance and will continue to\naccrue until date of payment in full. A Finance Charge will be imposed on the unpaid balance\nfor Credit Purchases from the statement closing date and on Credit Purchases made during\nthe current billing cycle from the date of posting of each such Credit Purchase to your account\nand will continue to accrue until the date the account balance is paid in full only if the New\nBalance indicated on your statement for the prior monthly period is not paid in full within 25\ndays after the statement closing date. If the New Balance indicated on your statement for the\nprior monthly period is paid in full within 25 days after the statement closing date, no Finance\nCharge will be imposed on Credit Purchases made during the current billing cycle.\n\n5. The Periodic Rate used to compute The Finance Charge is the APR divided by 365 multiplied\nby the number of days in the month. Please contact Citadel or refer to your credit card statement to find out the corresponding APR.\n6. The Finance Charge for a billing cycle is computed by applying the daily Periodic Rate to the\nAverage Daily Balance, which is determined by dividing the sum of the daily balances during\nthe billing cycle by the number of days in the cycle. Each daily balance is determined by adding\nto the Previous Balance (the outstanding balance in the account at beginning of the billing\ncycle) all new Mastercard Cash Advances as made and if the Previous Balance was not paid in\nfull within the first 25 days of the billing cycle, all new Credit Purchases as posted through that\ndate, but excluding any unpaid Finance Charges.\n7. In event of suit to collect unpaid balances, all costs, including attorneys\xe2\x80\x99 fees of 33% of\nthe balance due, or such greater amounts as may be reasonable and just and also those costs,\nexpenses and attorneys\xe2\x80\x99 fees incurred in appellate proceedings, shall be imposed.\n8. Issuer has the right to apply the proceeds of any collateral now or hereafter pledged to\nIssuer to secure payment of other indebtedness with Issuer to the payment of your unpaid\nbalance in event of non-payment.\n9. Payments made are applied in the following order: late charges, service fees, interest on\nretail purchases, interest on cash advances, cash advance principal, and retail purchase principal\n(remaining payment).\n\n\x0c10. I agree not to use this credit card for any illegal activity. I understand that by doing so I may\nlose certain rights.\n11. Billing Error Rights Notice Your Billing Rights: Keep this Document for Future Use. This\nnotice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error on your\nstatement, write to us at: Citadel 520 Eagleview Boulevard, Exton, PA 19341. In your letter, give\nus the following information: (a) Account information: Your name and account number. (b) Dollar amount: The dollar amount of the suspected error. (c) Description of problem: If you think\nthere is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: (a) Within 60 days after the error appeared on your statement. (b) At\nleast 3 business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong. You must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate any potential errors and you may\nhave to pay the amount in question. What Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things: (a) Within 30 days of receiving your letter,\nwe must tell you that we received your letter. We will also tell you if we have already corrected\nthe error. (b)Within 90 days of receiving your letter, we must either correct the error or explain\nto you why we believe the bill is correct. While we investigate whether or not there has been an\nerror: (a) We cannot try to collect the amount in question, or report you as delinquent on that\namount. (b) The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount. (c) While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance. (d) We can apply any unpaid amount\nagainst your credit limit. After we finish our investigation, one of two things will happen: (a)\nIf we made a mistake: You will not have to pay the amount in question or any interest or other\nfees related to that amount. (b) If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees. We will send you a statement\nof the amount you owe and the date payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe. If you receive our explanation but still believe\nyour bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we reported you as delinquent, and\nwe must let those organizations know when the matter has been settled between us. If we\ndo not follow all of the rules above, you do not have to pay the first $50.00 of the amount you\nquestion even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit\nCard Purchases. If you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the purchase. To\nuse this right, all of the following must be true: (a) The purchase must have been made in your\nhome state or within 100 miles of your current mailing address, and the purchase price must\nhave been more than $50.00. (Note: Neither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the company that sold you the goods or\nservices.) (b) You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not qualify. (c)\nYou must not yet have fully paid for the purchase. If all of the criteria above are met and you are\nstill dissatisfied with the purchase, contact us in writing at: Citadel 520 Eagleview Boulevard,\nExton, PA 19341. 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,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\n12. I understand and agree that Citadel has the authority to impress and enforce a lien on all\npresent and future shares in my name to the extent of that unpaid balance in event of\nnon-payment.\n13. The minimum monthly periodic payment required is the total New Balance as shown on\nyour monthly billing statement if the amount is under $25.00. If the New Balance exceeds\n$25.00, the minimum periodic payment is 2.25% of that portion of the New Balance which\ndoes not exceed your credit limit, plus the entire portion of the New Balance in excess of your\ncredit limit, plus any amount past due, or $25.00, whichever is greater.\n\n14. If I lose my Mastercard, I will report the lost card to Citadel as soon as possible. Replacement cards will be given to me at a cost of $10.00.\n15. Citadel may charge a late fee of up to $35.00 if my monthly payment is more than 5 (five)\ndays past due. At no time will your late fee exceed your outstanding balance. I understand that\nCitadel reserves the right to change the fee at any time with proper written notification.\n16. A Cash Advance Fee of up to 5% of the advance amount will be assessed per Mastercard\nCash Advance transaction. The minimum fee is $10.00. I understand that the Credit Union\nreserves the right to change the fee at any time.\n17. For transactions initiated in foreign currencies, the exchange rate between the transaction\ncurrency and the billing currency (U.S. dollars) will be: (a) a rate selected by Mastercard from\nthe range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Mastercard itself receives; or (b) the governmentmandated rate in effect for the applicable central processing date.\n18. I promise to pay any and all charges incurred by me or by any person whom I authorize to\nuse the Mastercard Credit Card issued to me.\n19. As a holder of a Mastercard Credit Card, I understand that I can repay any outstanding balance prior to maturity in whole or in part at my option without penalty.\n20. I recognize and agree that I will accept any other conditions established by Citadel\xe2\x80\x99s Board\nof Directors that are necessary to protect the best interest of Citadel and to comply with applicable Federal and State laws and regulations, except that Citadel may not assess any other\ncharges to which I have not expressly agreed.\n21. I acknowledge and agree that Citadel\xe2\x80\x99s Loan Review Committee may terminate this Agreement under the following conditions: (a) Upon adverse re-evaluation of my credit worthiness.\n(b) Upon my failure to satisfy the terms of this Agreement and the terms and conditions\nestablished by Citadel\xe2\x80\x99s Board of Directors and by Mastercard International, Inc. (c) At my option\nor at Citadel\xe2\x80\x99s option if it has good cause.\n22. If my line of credit is to be terminated by Citadel, I shall receive written notice of such\ntermination; however, I understand and acknowledge that such termination shall not affect my\nobligation to pay any outstanding balance.\n23. I understand that Citadel may review my loan file at least once every 12 months. I hereby\ngive my permission to and authorize Citadel to investigate and reassess my credit worthiness\nwith the understanding that this may affect my loan limit depending on the results of the\ncredit inquiry.\n24. I fully understand, acknowledge and agree that if my loans become delinquent or past due\nmy Mastercard Credit Card shall be revoked, unless the Loan Review Committee or the Loan\nOfficer determines that extenuating circumstances have contributed to the delinquency; under\nsuch circumstances, the Loan Review Committee, at its option, may approve my continued use\nof the Mastercard Credit Card.\n25. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to\na member of the Armed Forces and his or her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). If you want to hear this disclosure verbally, please\ncall 855-640-3707. Not applicable for business credit cards.\n26. Any controversy or claim arising out of or relating to these Agreements And Disclosures, or\nthe breach thereof, shall be settled by arbitration administered by the American Arbitration\nAssociation in accordance with its Arbitration Rules and judgment on the award rendered by\nthe arbitrator(s) may be entered in any court having jurisdiction thereof. All parties hereby\nwaive and give up all rights to a jury trial or class action relief.\n\n2707 8/2020\n\n\x0c'


b'Citadel Rewards Mastercard\xc2\xae Agreements & Disclosures\nM-131844\nInterest Rates and Interest Charges\nHow to Avoid Paying Interest\n\nYour due date is 25 days after the close of each billing cycle. We will not charge you any interest on\npurchases if you pay your entire balance by the due date each month. Interest is charged on cash\nadvances and balance transfers from the date the advance is made.\n\nFor Credit Card Tips From The Consumer\nFinancial Protection Bureau\n\nTo learn more about the factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFees\nTransaction Fees\nCash Advance Fee\nForeign Transaction Fee\n\nUp to 5% of amount advanced ($10.00 minimum)\n1.1% of transaction amount in U.S. dollars.\n\nPenalty Fees\nLate Fee\nReturned Check Fee\n\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called the \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nThe information about the costs of the card described is accurate as of 8/20. This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191.\nTo view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/ConsumerGTB\n\nCitadel Rewards Mastercard\xc2\xae Line of Credit Agreement\nAgreement between Citadel and the borrower(s):\n\n1. Upon using this card, I agree to be bound by the terms and conditions of Citadel\xe2\x80\x99s credit\ncard agreement. I signifies \xe2\x80\x9cwe\xe2\x80\x9d.\n2. I hereby apply for a line of credit that I can use from time to time and which may be replenished by payment on amounts previously drawn.\n3. This Agreement establishes my request for the issuance of a Mastercard upon approval\nby Citadel. (a) The credit limit approved shall be determined by Citadel, and this credit limit\nwill be drawn upon as I utilize an issued Mastercard Credit Card. (b) The line of credit will be\nrepaid in accordance with terms and conditions issued by Mastercard International, Inc., and in\naccordance with policies established by Citadel\xe2\x80\x99s Board of Directors.\n4. A Finance Charge will be imposed on Mastercard Cash Advances that you obtain through\nthe use of your Mastercard as of the date of each such Cash Advance and will continue to\naccrue until date of payment in full. A Finance Charge will be imposed on the unpaid balance\nfor Credit Purchases from the statement closing date and on Credit Purchases made during\nthe current billing cycle from the date of posting of each such Credit Purchase to your account\nand will continue to accrue until the date the account balance is paid in full only if the New\nBalance indicated on your statement for the prior monthly period is not paid in full within 25\ndays after the statement closing date. If the New Balance indicated on your statement for the\nprior monthly period is paid in full within 25 days after the statement closing date, no Finance\nCharge will be imposed on Credit Purchases made during the current billing cycle.\n\n5. The Periodic Rate used to compute The Finance Charge is the APR divided by 365 multiplied\nby the number of days in the month. Please contact Citadel or refer to your credit card statement to find out the corresponding APR.\n6. The Finance Charge for a billing cycle is computed by applying the daily Periodic Rate to the\nAverage Daily Balance, which is determined by dividing the sum of the daily balances during\nthe billing cycle by the number of days in the cycle. Each daily balance is determined by adding\nto the Previous Balance (the outstanding balance in the account at beginning of the billing\ncycle) all new Mastercard Cash Advances as made and if the Previous Balance was not paid in\nfull within the first 25 days of the billing cycle, all new Credit Purchases as posted through that\ndate, but excluding any unpaid Finance Charges.\n7. In event of suit to collect unpaid balances, all costs, including attorneys\xe2\x80\x99 fees of 33% of\nthe balance due, or such greater amounts as may be reasonable and just and also those costs,\nexpenses and attorneys\xe2\x80\x99 fees incurred in appellate proceedings, shall be imposed.\n8. Issuer has the right to apply the proceeds of any collateral now or hereafter pledged to\nIssuer to secure payment of other indebtedness with Issuer to the payment of your unpaid\nbalance in event of non-payment.\n9. Payments made are applied in the following order: late charges, service fees, interest on\nretail purchases, interest on cash advances, cash advance principal, and retail purchase principal\n(remaining payment).\n\n\x0c10. I agree not to use this credit card for any illegal activity. I understand that by doing so I may\nlose certain rights.\n11. Billing Error Rights Notice Your Billing Rights: Keep this Document for Future Use. This\nnotice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error on\nyour statement, write to us at: Citadel 520 Eagleview Boulevard, Exton, PA 19341. In your letter,\ngive us the following information: (a) Account information: Your name and account number.\n(b) Dollar amount: The dollar amount of the suspected error. (c) Description of problem: If you\nthink there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake. You must contact us: (a) Within 60 days after the error appeared on your statement.\n(b) At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong. You must notify us of any potential errors in\nwriting. You may call us, but if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question. What Will Happen After We Receive Your\nLetter. When we receive your letter, we must do two things: (a) Within 30 days of receiving\nyour letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error. (b)Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct. While we investigate whether\nor not there has been an error: (a) We cannot try to collect the amount in question, or report\nyou as delinquent on that amount. (b) The charge in question may remain on your statement,\nand we may continue to charge you interest on that amount. (c) While you do not have to\npay the amount in question, you are responsible for the remainder of your balance. (d) We\ncan apply any unpaid amount against your credit limit. After we finish our investigation, one\nof two things will happen: (a) If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount. (b) If we do not believe there was\na mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you owe. If you receive\nour explanation but still believe your bill is wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot report you as delinquent without also\nreporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us. If we do not follow all of the rules above, you do not have to pay\nthe first $50.00 of the amount you question even if your bill is correct. Your Rights If You Are\nDissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or\nservices 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\ndue on the purchase. To use this right, all of the following must be true: (a) The purchase must\nhave been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.00. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.) (b) You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a check that accesses your credit card\naccount do not qualify. (c) You must not yet have fully paid for the purchase. If all of the criteria\nabove are met and you are still dissatisfied with the purchase, contact us in writing at: Citadel\n520 Eagleview Boulevard, Exton, PA 19341. While we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report\nyou as delinquent.\n12. I understand and agree that Citadel has the authority to impress and enforce a lien on all\npresent and future shares in my name to the extent of that unpaid balance in event of\nnon-payment.\n13. The minimum monthly periodic payment required is the total New Balance as shown on\nyour monthly billing statement if the amount is under $25.00. If the New Balance exceeds\n$25.00, the minimum periodic payment is 2.25% of that portion of the New Balance which\ndoes not exceed your credit limit, plus the entire portion of the New Balance in excess of your\ncredit limit, plus any amount past due, or $25.00, whichever is greater.\n14. If I lose my Mastercard, I will report the lost card to Citadel as soon as possible.\nReplacement cards will be given to me at a cost of $10.00.\n\n15. Citadel may charge a late fee of up to $35.00 if my monthly payment is more than 5 (five)\ndays past due. At no time will your late fee exceed your outstanding balance. I understand that\nCitadel reserves the right to change the fee at any time with proper written notification.\n16. A Cash Advance Fee of up to 5% of the advance amount will be assessed per Mastercard\nCash Advance transaction. The minimum fee is $10.00. I understand that the Credit Union\nreserves the right to change the fee at any time.\n17. For transactions initiated in foreign currencies, the exchange rate between the transaction\ncurrency and the billing currency (U.S. dollars) will be: (a) a rate selected by Mastercard from\nthe range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Mastercard itself receives; or (b) the governmentmandated rate in effect for the applicable central processing date. In each instance you will\nbe charged a fee of 0.90% calculated on the final settlement amount for transactions that are\ninitiated in foreign countries, and if your transaction is also initiated in a foreign currency you\nwill be charged an additional fee of 0.20% calculated on the final converted settlement amount.\n18. I promise to pay any and all charges incurred by me or by any person whom I authorize\nto use the Mastercard Credit Card issued to me.\n19. As a holder of a Mastercard Credit Card, I understand that I can repay any outstanding\nbalance prior to maturity in whole or in part at my option without penalty.\n20. I recognize and agree that I will accept any other conditions established by Citadel\xe2\x80\x99s Board\nof Directors that are necessary to protect the best interest of Citadel and to comply with\napplicable Federal and State laws and regulations, except that Citadel may not assess any other\ncharges to which I have not expressly agreed.\n21. I acknowledge and agree that Citadel\xe2\x80\x99s Loan Review Committee may terminate this\nAgreement under the following conditions: (a) Upon adverse re-evaluation of my credit\nworthiness. (b) Upon my failure to satisfy the terms of this Agreement and the terms and\nconditions established by Citadel\xe2\x80\x99s Board of Directors and by Mastercard International, Inc.\n(c) At my option or at Citadel\xe2\x80\x99s option if it has good cause.\n22. If my line of credit is to be terminated by Citadel, I shall receive written notice of such\ntermination; however, I understand and acknowledge that such termination shall not affect\nmy obligation to pay any outstanding balance.\n23. I understand that Citadel may review my loan file at least once every 12 months. I hereby\ngive my permission to and authorize Citadel to investigate and reassess my credit worthiness\nwith the understanding that this may affect my loan limit depending on the results of the\ncredit inquiry.\n24. I fully understand, acknowledge and agree that if my loans become delinquent or past due\nmy Mastercard Credit Card shall be revoked, unless the Loan Review Committee or the Loan\nOfficer determines that extenuating circumstances have contributed to the delinquency; under\nsuch circumstances, the Loan Review Committee, at its option, may approve my continued use\nof the Mastercard Credit Card.\n25. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to\na member of the Armed Forces and his or her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). If you want to hear this disclosure verbally, please\ncall 855-640-3707. Not applicable for business credit cards.\n26. Any controversy or claim arising out of or relating to these Agreements And Disclosures,\nor the breach thereof, shall be settled by arbitration administered by the American Arbitration\nAssociation in accordance with its Arbitration Rules and judgment on the award rendered by\nthe arbitrator(s) may be entered in any court having jurisdiction thereof. All parties hereby\nwaive and give up all rights to a jury trial or class action relief.\n\n2707 8/2020\n\n\x0c'