APPLICATION AND
                                                 SOLICITATION
                                                  DISCLOSURE
                                                                   FOUNDER'S CARD
                                                             ALUMNI REWARDS CARD
      Interest Rates and Interest Charges
      Annual Percentage Rate (APR) for
                                 12.40%
      Purchases
                                 This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers  3.90%  Introductory APR until December 31, 2022.
                                 After that, your APR will be 12.40% . This APR will vary with the market
                                 based on the Prime Rate.
      APR for Cash Advances      12.40%
                                 This APR will vary with the market based on the Prime Rate.
      How to Avoid Paying Interest on Your due date is at least 25 days after the close of each billing cycle. We will
      Purchases                  not charge you any interest on purchases if you pay your entire balance by
                                 the due date each month.
      Minimum Interest Charge    None
      For Credit Card Tips from the To learn more about factors to consider when applying for or using a
      Consumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection
                                 Bureau at http://www.consumerfinance.gov/learnmore.
      Fees
      Set-up and Maintenance Fees
      - Annual Fee               None
      - Account Set-up Fee       None
      - Program Fee              None
      - Participation Fee        None
      - Additional Card Fee      None
      - Application Fee          None
      Transaction Fees
      - Balance Transfer Fee     None
      - Cash Advance Fee         None
      - Foreign Transaction Fee  None
      - Transaction Fee for Purchases None
      Penalty Fees
      - Late Payment Fee         Up to $27.00
      - Over-the-Credit Limit Fee None
      - Returned Payment Fee     None
     How We Will Calculate Your Balance:
     We use a method called "average daily balance (including new purchases)."
     Promotional Period for Introductory APR:
     The Introductory APR for balance transfers will apply to transactions posted to your account from 01/01/2021 until
     12/31/2021 . Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not
     eligible for the Introductory APR for balance transfers.
                                      SEE NEXT PAGE for more important information about your account.
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved �PSECU Form #3895 1220 03720921-MXC10-C-2-040219 (MXC101-E)
     Effective Date:
     The information about the costs of the card described in this application is accurate as of: April 1, 2020.
     This information may have changed after that date. To find out what may have changed, contact the Credit Union.
     For California Borrowers, the FOUNDER'S CARD - ALUMNI REWARDS CARD may be a secured credit card.
     Credit extended under this credit card account may be secured by various personal property and money
     including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically
     pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
     joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account
     that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have
     with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that
     during any periods when you are a covered borrower under the Military Lending Act your credit card will be
     secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any
     individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you
     establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered
     borrower.
     Other Fees & Disclosures:
     Late Payment Fee:
     $27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
     payment.
     PIN Replacement Fee:
     None.
     Rush Fee:
     $40.00.
     Unreturned Card Fee:
     None.
     Collection Costs:
     You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
     attorney's fees.
     Periodic Rates:
     The Purchase APR is 12.40% which is a monthly periodic rate of 1.03%
     The Introductory Balance Transfer APR is 3.90% which is a monthly periodic rate of 0.3250% .
     The Balance Transfer APR is 12.40%  which is a monthly periodic rate of  1.03% . 
     The Cash Advance APR is 12.40% which is a monthly periodic rate of 1.03%
     Variable Rate:
     The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change
     on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on
     first day of each calendar month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater
     than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest
     You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If
     the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
     Margin:
     Purchases will be charged at 9.15%  above the Index.
     Balance Transfers will be charged at 9.15%  above the Index.
     Cash Advances will be charged at 9.15%  above the Index.
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved     03720921-MXC10-C-2-040219 (MXC101-E)