the  authorized  user  and  your  account  number  and/or  any 
subaccount number issued to the authorized user along with 
the  authorized  user’s  card  and  any  convenience  or  other 
access  checks  issued  to  the  authorized  user.  If  you  cannot 
return the authorized user’s card or access checks and if you 
request your account to be closed, we will close your account 
and you may apply for a new account.
15. CREDIT REVIEW AND RELEASE OF INFORMATION — You 
authorize the Credit Union to investigate your credit standing 
when opening or reviewing your account. You authorize the 
Credit Union to disclose information regarding your account 
to credit bureaus and creditors who inquire about your credit 
standing. If your account is eligible for emergency cash and/
or  emergency  card  replacement  services,  and  you  request 
such  services,  you  agree  that  we  may  provide  personal 
information about you and your account that is necessary to 
provide you with the requested service(s).
16. RETURNS  AND  ADJUSTMENTS  —  Merchants  and 
others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union 
a  credit  slip  which  will  be  posted  to  your  account.  If  your 
credits and payments exceed what you owe the Credit Union, 
the amount will be applied against future purchases and cash 
advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it 
will be refunded upon your written request or automatically 
after six months.
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The 
Credit Union may from time to time offer additional services 
to  your  account,  such  as  travel  accident  insurance,  at  no 
additional cost to you. You understand that the Credit Union 
is not obligated to offer such services and may withdraw or 
change them at any time.
18. MERCHANT  DISPUTES  —  The  Credit  Union  is  not 
responsible  for  the  refusal  of  any  merchant  or  financial 
institution  to  honor  your  card.  The  Credit  Union  is  subject 
to  claims  and  defenses  (other  than  tort  claims)  arising  out 
of goods or services you purchase with the card if you have 
made  a  good  faith  attempt  but  have  been  unable  to  obtain 
satisfaction  from  the  merchant  or  service  provider,  and  (a) 
your  purchase  was  made  in  response  to  an  advertisement 
the Credit Union sent or participated in sending to you; or (b) 
your purchase cost more than $50.00 and was made in your 
state or within 100 miles of your home.
19. JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of 
you will be individually and jointly responsible for paying all 
amounts  owed  under  this  Agreement.  This  means  that  the 
Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you 
authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and 
the termination will be effective as to all of you.
20. EFFECT  OF  AGREEMENT  —  This  Agreement  is  the 
contract  which  applies  to  all  transactions  on  your  account 
even  though  the  sales,  cash  advances,  credit  or  other  slips 
you sign or receive may contain different terms.

21. NO WAIVER — The Credit Union can delay enforcing any 
of its rights any number of times without losing them.
22. STATEMENTS AND NOTICES — Statements and notices 
will be mailed or delivered to you at the appropriate address 
you  have  given  the  Credit  Union.  Notice  sent  to  any  one  of 
you will be considered notice to all. 
23. SEVERABILITY  AND  FINAL  EXPRESSION  —  This 
Agreement and the Disclosure are the final expression of the 
terms and conditions of your account. This written Agreement 
and Disclosure may not be contradicted by evidence of any 
alleged  oral  agreement.  Should  any  part  of  this  Agreement 
or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain 
in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement.
24. COPY  RECEIVED  —  You  acknowledge  that  you  have 
received a copy of this Agreement and Disclosure.
25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — 
You may not use your card to initiate any type of electronic 
gambling transaction through the Internet.
26. PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your 
account,  all  rates  for  your  account,  including  the  rates 
for  purchases,  cash  advances,  and  balance  transfers,  will 
increase to the Penalty Rate when you meet one or more of 
the  conditions  as  set  forth  in  the  Disclosure  accompanying 
this  Agreement.  Any  rate  increases  applied  to  your  account 
are  subject  to  applicable  notice  requirements.  Please  refer 
to  the  Disclosure  for  additional  information  regarding  the 
Penalty Rate.
27. NOTICE  TO  UTAH  BORROWERS  —  This  written 
agreement  is  a  final  expression  of  the  agreement  between 
you and the Credit Union. This written agreement may not be 
contradicted by evidence of any oral agreement.
28. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW 
—  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT 
PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM 
YOU.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at 
the address listed on your statement.
In your letter, give us the following information:

 -  Account  information:  Your  name  and  account 

number.

 -  Dollar  amount:  The  dollar  amount  of  the  suspected 

error.

 -  Description of problem: If you think there is an error 
on your bill, describe what you believe is wrong and 
why you believe it is a mistake.

If 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 is correct.

You must contact us:

 -  Within  60  days  after  the  error  appeared  on  your 

statement.

 -  At  least  3  business  days  before  an  automated 
payment  is  scheduled,  if  you  want  to  stop  payment 
on the amount you think is wrong.

You  must  notify  us  of  any  potential  errors  in  writing  or 
electronically.  You  may  call  us,  but  if  you  do  we  are  not 
required to investigate any potential errors and you may have 
to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

 1.  Within 30 days of receiving your letter, we must tell 
you that we received your letter. We will also tell you 
if we have already corrected the error.

 2.  Within  90  days  of  receiving  your  letter,  we  must 
either  correct  the  error  or  explain  to  you  why  we 
believe the bill is correct. 

While we investigate whether or not there has been an error:
 -  We  cannot  try  to  collect  the  amount  in  question,  or 

report you as delinquent on that amount.

 -  The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.

 -  While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance.
 -  We can apply any unpaid amount against your credit 

limit. 

Your Rights if You Are Dissatisfied With Your Credit Card 
Purchases
If  you  are  dissatisfied  with  the  goods  or  services  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 due on 
the purchase.
To use this right, all of the following must be true:

 1.  The  purchase  must  have  been  made  in  your  home 
state  or  within  100  miles  of  your  current  mailing 
address,  and  the  purchase  price  must  have  been 
more than $50. (Note: Neither of these are necessary 
if your purchase was based on an advertisement we 
mailed  to  you,  or  if  we  own  the  company  that  sold 
you the goods or services.)

 2.  You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or 
with a check that accesses your credit card account 
do not qualify.

 3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing or electronically at 
the address listed on your statement.
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,  if  we  think  you 
owe an amount and you do not pay, we may report you as 
delinquent.

 - 

After  we  finish  our  investigation,  one  of  two  things  will 
happen:
 - 

If we made a mistake: You will not have to pay the 
amount  in  question  or  any  interest  or  other  fees 
related to that amount.
If  we  do  not  believe  there  was  a  mistake:  You 
will  have  to  pay  the  amount  in  question,  along 
with  applicable  interest  and  fees.  We  will  send 
you  a  statement  of  the  amount  you  owe  and  the 
date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you 
owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is 
wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as 
delinquent  without  also  reporting  that  you  are  questioning 
your  bill.  We  must  tell  you  the  name  of  anyone  to  whom 
we  reported  you  as  delinquent,  and  we  must  let  those 
organizations  know  when  the  matter  has  been  settled 
between us.

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved  

1-1WH9VF04
CCM004
MXC503

PSECU Form #3905
Rev. 1/2015

PENNSYLVANIA STATE
EMPLOYEES CREDIT UNION
P.O. Box 67013 (cid:129) Harrisburg, PA 17106
800.237.7328 (Nationwide)
psecu.com

VISA CLASSIC
CONSUMER CREDIT CARD AGREEMENT
In this Agreement, “Agreement” means this Consumer Credit 
Card Agreement. “Disclosure” means the Credit Card Account 
Opening  Disclosure.  The  Account  Opening  Disclosure  is 
incorporated  into  this  Consumer  Credit  Card  Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words 
“you,” “your,” and “yours” mean each and all of those who 
agree to be bound by this Agreement; “card” means the Visa 
credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; “account” means your Visa credit 
card line-of-credit account with the Credit Union; and “Credit 
Union” means the Credit Union whose name appears on this 
Agreement  or  anyone  to  whom  the  Credit  Union  transfers 
this Agreement.
1.  USING  YOUR  ACCOUNT  —  If  you  are  approved  for  an 
account,  the  Credit  Union  will  establish  a  line  of  credit  for 
you. You agree that your credit limit is the maximum amount 
(purchases,  cash  advances,  finance  charges,  plus  “other 
charges”) which you will have outstanding on your account 
at  any  time.  Unless  disclosed  otherwise,  the  Credit  Union 
will  not  allow  advances  over  the  credit  limit.  If  the  Credit 
Union has a program whereby it allows payment of advances 
that  exceed  your  credit  limit,  subject  to  a  fee,  the  Credit 
Union  will  provide  you  with  notice,  either  orally,  in  writing, 
or  electronically  (notwithstanding  the  requirements  of  the 
paragraph entitled “Statements and Notices”) explaining your 
right to opt in to the Credit Union’s program whereby it will 
honor advance requests over the credit limit. In the event you 
opt in to such a program, you agree to the terms of such a 
program.  You  may  request  an  increase  in  your  credit  limit 
only by a method acceptable to the Credit Union. The Credit 
Union  may  increase  or  decrease  your  credit  limit,  refuse  to 
make an advance and/or terminate your account at any time 
for any reason not prohibited by law. If you are permitted to 
obtain cash advances on your account, we may, from time to 
time, issue convenience checks to you that may be drawn on 
your account. Convenience checks may not be used to make 
a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. 
We  reserve  the  right  to  refuse  to  pay  a  convenience  check 
drawn on your account for any reason and such refusal shall 
not constitute wrongful dishonor.

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You may request that we stop the payment of a convenience 
check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed to stop a payment on a convenience check issued 
on  your  account.  You  may  make  a  stop  payment  request 
orally, if permitted, or in writing. Your request must be made 
with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act 
on  your  request.  In  addition,  your  request  must  accurately 
describe the check including the exact account number, the 
payee,  any  check  number  that  may  be  applicable,  and  the 
exact  amount  of  the  check.  If  permitted,  you  may  make  a 
stop  payment  request  orally  but  such  a  request  will  expire 
after  14  days  unless  you  confirm  your  request  in  writing 
within  that  time.  Written  stop  payment  orders  are  effective 
only  for  six  months  and  may  be  renewed  for  additional  six 
month periods by requesting in writing that the stop payment 
order be renewed. We are not required to notify you when a 
stop payment order expires. If we re-credit your account after 
paying a check or draft over a valid and timely stop payment 
order, you agree to sign a statement describing the dispute 
with the payee, to assign to us all of your rights against the 
payee  or  other  holders  of  the  check  or  draft  and  to  assist 
us  in  any  legal  action.  You  agree  to  indemnify  and  hold  us 
harmless  from  all  costs  and  expenses,  including  attorney’s 
fees, damages, or claims, related to our honoring your stop 
payment request or in failing to stop payment of an item as a 
result of incorrect information provided to us or the giving of 
inadequate time to act upon a stop payment request. 
2.  USING  YOUR  CARD  —  You  understand  that  the  use 
of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of 
the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make 
purchases  from  merchants  and  others  who  accept  your 
card.  The  credit  union  is  not  responsible  for  the  refusal  of 
any  merchant  or  financial  institution  to  honor  your  card.  If 
you wish to pay for goods or services over the Internet, you 
may be required to provide card number security information 
before  you  will  be  permitted  to  complete  the  transaction. 
In  addition,  you  may  obtain  cash  advances  from  the  Credit 
Union, from other financial institutions that accept your card, 
and  from  some  automated  teller  machines  (ATMs).  (Not  all 
ATMs accept your card.) If the credit union authorizes ATM 
transactions  with  your  card,  it  will  issue  you  a  personal 
identification  number  (PIN).  To  obtain  cash  advances  from 
an  ATM,  you  must  use  the  PIN  issued  to  you  for  use  with 
your  card.  You  agree  that  you  will  not  use  your  card  for 
any  transaction  that  is  illegal  under  applicable  federal, 
state,  or  local  law.  Even  if  you  use  your  card  for  an  illegal 
transaction,  you  will  be  responsible  for  all  amounts  and 
charges  incurred  in  connection  with  the  transaction.  If  you 
are permitted to obtain cash advances on your account, you 
may also use your card to purchase instruments and engage 
in  transactions  that  we  consider  the  equivalent  of  cash. 
Such  transactions  will  be  posted  to  your  account  as  cash 
advances and include, but are not limited to, wire transfers, 

money orders, bets, lottery tickets, and casino gaming chips, 
as  applicable.  This  paragraph  shall  not  be  interpreted  as 
permitting or authorizing any transaction that is illegal.
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges 
(purchases,  cash  advances,  balance  transfers,  use  of 
convenience  checks  or  any  other  charge)  made  to  your 
account by you or anyone you authorize to use your account. 
You also promise to pay all finance charges and other charges 
added to your account under the terms of this Agreement or 
another  agreement  you  made  with  the  Credit  Union.  If  this 
is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account.
4.  PERIODIC  RATES  —  The  periodic  rates  applicable 
to  purchases,  cash  advances,  and  balance  transfers 
are  disclosed  on  the  Disclosure  that  accompanies  this 
Agreement.  Any  penalty  rate  that  may  be  imposed  for 
failing  to  make  a  payment  by  the  payment  due  date  is  also 
disclosed  on  the  Disclosure.  Any  rate  change  will  be  made 
pursuant  to  applicable  law.  If  the  rate  for  your  account  is 
variable,  as  indicated  on  the  accompanying  Disclosure,  the 
rate charged on purchases, cash advances, balance transfers 
and  any  penalty  rate  will  vary  periodically  as  disclosed  in 
the  Disclosure  accompanying  this  Agreement.  The  initial 
rate  on  your  account  for  certain  types  of  transactions  may 
be  an  introductory  discounted  rate  (Introductory  Rate)  that 
is  lower  than  the  rate  that  would  ordinarily  apply  for  that 
type  of  transaction.  If  an  Introductory  Rate  applies  to  your 
account, the rates and the period of time it will be effective 
is  shown  on  the  Disclosure  accompanying  this  Agreement. 
After the Introductory Rate period expires, the periodic rate 
will automatically increase to the rates that would ordinarily 
apply for that type of transaction based on the terms of this 
Agreement. 
5.  FINANCE  CHARGES  —  New  purchases  posted  to  your 
account during a billing cycle will not incur a finance charge 
for  that  billing  cycle.  Finance  charge  begins  to  accrue  on 
those purchases from the first day of the next billing cycle, 
unless  you  paid  the  entire  new  balance  on  the  previous 
cycle’s  billing  statement  by  the  payment  due  date  of  that 
statement.  To  avoid  an  additional  finance  charge  on  the 
balance of purchases, you must pay the entire new balance 
on  the  billing  statement  by  the  payment  due  date  of  that 
statement.  A  finance  charge  begins  to  accrue  on  cash 
advances  from  the  date  you  get  the  cash  advance  or  from 
the first day of the billing cycle in which the cash advance is 
posted to your account, whichever is later (transaction date).
The  finance  charge  is  calculated  separately  for  purchases 
and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily 
balance of purchases. To calculate the average daily balance 
of  purchases,  we  take  the  beginning  outstanding  balance 
of  purchases  each  day  and  subtract  any  payments  and/or 
credits that we apply to the purchase balance. (We do not add 
in any purchases posted during the billing cycle.) This gives 
us the daily balance of purchases. We then add all of the daily 
balances of purchases for the billing cycle together and divide 

the total by the number of days in the billing cycle. This gives 
us the average daily balance of purchases. 
For  cash  advances,  the  finance  charge  is  computed  by 
applying  the  periodic  rate  to  the  average  daily  balance  of 
cash  advances.  To  calculate  the  average  daily  balance  of 
cash  advances,  we  take  the  beginning  outstanding  balance 
of cash advances each day, add in any new cash advances, 
and  subtract  any  payments  and/or  credits  that  we  apply  to 
the cash advance balance. This gives us the daily balance of 
cash advances. We then add all of the daily balances of cash 
advances  for  the  billing  cycle  together  and  divide  the  total 
by the number of days in the billing cycle. This gives us the 
average  daily  balance  of  cash  advances.  Balance  transfers 
are calculated in the same manner as cash advances.
6.  FOREIGN  TRANSACTIONS  —  Purchases  and  cash 
advances  made  in  foreign  currencies  will  be  debited  from 
your  account  in  U.S.  dollars.  The  exchange  rate  between 
the  transaction  currency  and  the  billing  currency  used  for 
processing  international  transactions  is  a  rate  selected  by 
Visa  from  a  range  of  rates  available  in  wholesale  currency 
markets  for  the  applicable  central  processing  date,  which 
rate  may  vary  from  the  rate  Visa  itself  receives  or  the 
government-mandated rate in effect for the applicable central 
processing date. The exchange rate used on the processing 
date may differ from the rate that would have been used on 
the purchase date or cardholder statement posting date. 
A  fee  (finance  charge),  calculated  in  U.S.  dollars,  will  be 
imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is 
any transaction that you complete or a merchant completes 
on your card outside of the United States, with the exception 
of U.S. military bases, U.S. territories, U.S. embassies or U.S. 
consulates.  The  Foreign  Transaction  Fee  is  set  forth  on  the 
Disclosure accompanying this Agreement.
7.  FEES  —  In  addition  to  the  periodic  rate,  the  following 
additional fees may be imposed on your account. If applicable 
to  your  account,  the  fee  amounts  and  explanations  are 
disclosed on the Disclosure accompanying this Agreement. 
Your account may also be subject to additional fees as set 
forth on the Disclosure accompanying this Agreement.
a.  Annual  Fee.  If  your  account  is  subject  to  an  Annual 
Fee, the fee will be charged to your account. The fee may be 
charged each year until your account is closed and/or paid 
in full.
b.  Account  Set-Up  Fee.  If  your  account  is  subject  to  an 
Account  Set-up  Fee,  a  fee  will  be  charged  when  you  apply 
for a credit card account.
c.  Program  Fee.  If  your  account  is  subject  to  a  Program 
Fee,  a  fee  will  be  charged  when  you  open  an  account  as 
described on the Disclosure accompanying this Agreement.
d.  Participation  Fee.  If  your  account  is  subject  to  a 
Participation  Fee,  a  fee  will  be  charged  when  you  open  an 
account as described on the Disclosure accompanying this 
Agreement.

e.  Additional  Card  Fee.  If  your  account  is  subject  to  an 
Additional Card Fee, a fee will be charged for each additional 
card issued to you at account opening.
f.  Application  Fee.  If  your  account  is  subject  to  an 
Application Fee, a fee will be charged when you apply for a 
credit card account.
g.  Balance Transfer Fee (Finance Charge). If your account 
is subject to a Balance Transfer Fee (finance charge), the fee 
as disclosed on the Disclosure accompanying this Agreement 
will be charged to your account when you transfer a balance 
from an account of another creditor to the account subject 
to this Agreement.
h.  Cash Advance Fee (Finance Charge). If your account is 
subject to a Cash Advance Fee (finance charge), the fee will 
be charged to your account when you obtain a cash advance 
from an ATM, the Credit Union or other financial institution. 
i.  Foreign  Transaction  Fee  (Finance  Charge).  If  your 
account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions 
made outside of the United States or in a foreign currency. 
j.  Transaction  Fee  for  Purchases  (Finance  Charge).  If 
your account is subject to a Transaction Fee for Purchases 
(finance  charge),  a  fee  will  be  charged  to  your  account  for 
purchases as disclosed on the Disclosure accompanying this 
Agreement.
k.  Late Payment Fee. If your account is subject to a Late 
Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within 
the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement.
l.  Over-the-Credit  Limit  Fee.  If  you  have  elected  the 
feature  to  allow  your  account  to  go  over  your  credit  limit, 
we may charge you a fee as allowed by law. However, in no 
case will we impose an over-the-limit fee except in the next 
two  billing  cycles  unless  you  have  obtained  an  additional 
extension of credit in excess of such credit limit during each 
subsequent cycle or you have reduced the balance below the 
credit limit as of the end of each bill cycle.
m.  Returned  Payment  Fee.  If  your  account  is  subject  to 
a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason.
n.  PIN  Replacement  Fee.  If  your  account  is  subject  to  a 
PIN Replacement Fee, a fee will be charged to your account 
whenever you request a new PIN number for your account.
o.  Unreturned  Card  Fee.  If  your  account  is  subject  to  an 
Unreturned Card Fee, the fee will be charged to your account 
when  any  card(s)  are  not  surrendered  at  our  request  for 
over-limit delinquency or any other reason set forth on the 
Disclosure accompanying this Agreement.
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the 
minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently, 
pay more than the minimum payment or pay the total new 

balance  in  full.  If  you  make  extra  or  larger  payments,  you 
are  still  required  to  make  at  least  the  minimum  payment 
each month your account has a balance (other than a credit 
balance). The minimum payment is 2.00% of your total new 
balance,  or  $20.00,  whichever  is  greater,  plus  the  amount 
of  any  prior  minimum  payments  that  you  have  not  made, 
all  outstanding  unpaid  fees  and  charges,  and  any  amount 
you  are  over  your  credit  limit  by  the  date  specified  on  the 
statement.  The  Credit  Union  also  has  the  right  to  demand 
immediate  payment  of  any  amount  by  which  you  are  over 
your credit limit. In accordance with applicable law, the Credit 
Union may not post payments to your account or reflect them 
in your available credit limit on the date they are received. The 
Credit Union may delay replenishing your credit limit until the 
date the payment is posted or the Credit Union confirms the 
payment has cleared. 
9.  PAYMENT  ALLOCATION  —  Subject  to  applicable  law, 
your  payments  may  be  applied  to  what  you  owe  the  Credit 
Union  in  any  manner  the  Credit  Union  chooses.  However, 
in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union 
will allocate the excess amount first to the balance with the 
highest annual percentage rate and any remaining portion to 
the other balances in descending order based on applicable 
annual  percentage  rate.  We  may  accept  checks  marked 
“payment  in  full”  or  with  words  of  similar  effect  without 
losing  any  of  our  rights  to  collect  the  full  balance  of  your 
account with us. 
10. SECURITY  INTEREST  —  You  grant  the  Credit  Union  a 
security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have 
in  any  goods  you  purchase.  If  you  give  the  Credit  Union 
a  specific  pledge  of  shares  by  signing  a  separate  pledge 
of  shares,  your  pledged  shares  will  secure  your  account. 
You  may  not  withdraw  amounts  that  have  been  specifically 
pledged to secure your account until the Credit Union agrees 
to release all or part of the pledged amount. 

Your  Account  is  secured  by  all  other  shares  you  have 
in any individual or joint account with the Credit Union, 
except for shares in an Individual Retirement Account or 
in any other account that would lose special tax treatment 
under  state  or  federal  law  if  given  as  security.  These 
other shares may be withdrawn unless you are in default 
under  this  agreement.  You  authorize  the  Credit  Union 
to  apply  the  balance  in  your  individual  or  joint  share 
accounts to pay any amounts due on your Account if you 
should default.

Collateral securing other loans you have with the Credit Union 
may also secure this loan, except that a dwelling will never 
be  considered  as  security  for  this  account,  notwithstanding 
anything to the contrary in any other agreement. 
11. DEFAULT — You will be in default if you fail to make any 
minimum  payment  or  other  required  payment  by  the  date 
that it is due. You will be in default if you break any promise 

you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable 
to pay your obligations when they become due. You will be 
in default if you make any false or misleading statements in 
any  credit  application  or  credit  update.  You  will  also  be  in 
default if something happens that the Credit Union believes 
may substantially reduce your ability to repay what you owe.
When  you  are  in  default,  the  Credit  Union  has  the  right  to 
demand  immediate  payment  of  your  full  account  balance 
without giving you notice. If immediate payment is demanded, 
you agree to continue paying finance charges at the periodic 
rate  charged  before  default,  until  what  you  owe  has  been 
paid,  and  any  shares  that  were  given  as  security  for  your 
account may be applied towards what you owe.
12. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN 
CARD NOTIFICATION — You agree to notify us immediately, 
orally  or  in  writing,  at  P.O.  Box  67013,  Harrisburg,  PA 
17106 or telephone (800) 237-7328 seven (7) days a week, 
24  hours  a  day  or  (800)  556-5678  seven  (7)  days  a  week, 
24 hours a day, of the loss, theft, or unauthorized use of your 
credit  card.  You  may  be  liable  for  the  unauthorized  use  of 
your credit card. You will not be liable for unauthorized use 
that occurs after you notify us of the loss, theft, or possible 
unauthorized use. You will have no liability for unauthorized 
transactions  made  with  your  credit  card,  unless  you  are 
grossly negligent in the handling of your card. In any case, 
your liability will not exceed $50.00.
13. CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As 
permitted  by  law,  the  Credit  Union  may  change  the  terms 
of this Agreement and any attached Disclosure from time to 
time. Notice of any change will be given in accordance with 
applicable law. If permitted by law and specified in the notice 
to you, the change will apply to your existing account balance 
as well as to future transactions.
Either you or the Credit Union may terminate this Agreement 
at  any  time,  but  termination  by  you  or  the  Credit  Union 
will  not  affect  your  obligation  to  pay  the  account  balance 
plus  any  finance  and  other  charges  you  owe  under  this 
Agreement. Your obligation to pay the account balance plus 
any finance and other charges you owe under this agreement 
are  subject  to  all  applicable  laws  and  regulations  regarding 
repayment  requirements.  You  are  also  responsible  for  all 
transactions made to your account after termination, unless 
the transactions were unauthorized.
The  card  or  cards  you  receive  remain  the  property  of  the 
Credit  Union  and  you  must  recover  and  surrender  to  the 
Credit  Union  all  cards  upon  request  or  upon  termination  of 
this Agreement whether by you or the Credit Union. If this is 
a joint account, the paragraph on JOINT ACCOUNTS of this 
Agreement also applies to termination of the account. 
14. CHANGING  OR  TERMINATING  AUTHORIZED  USERS 
—  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in 
writing  of  any  termination  of  an  authorized  user’s  right  to 
access  your  account.  Your  letter  must  include  the  name  of 

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