PENNSYLVANIA STATE          CREDIT CARD 
                     EMPLOYEES CREDIT UNION         ACCOUNT
                     P.O. Box 67012
                     Harrisburg, PA 17106            OPENING 
                     800.237.7328  �  PSECU.COM   DISCLOSURE
                                                                   CLASSIC CARD 
                                                            ALUMNI CLASSIC CARD
        This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
          Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
      Interest Rates and Interest Charges
      Annual Percentage Rate (APR) for 
                                 9.90%
      Purchases
      APR for Balance Transfers  2.90% Introductory APR until December 31, 2023. 
                                 After that, Your APR will be 9.90%.
      APR for Cash Advances      9.90%
      Paying Interest            Your due date is at least 25 days after the close of each billing cycle. We will 
                                 not charge You any interest on purchases if You pay Your entire balance by 
                                 the due date each month. We will begin charging interest on cash advances 
                                 and balance transfers on the transaction date.
      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 $20.00
      - 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)." See Your Account Agreement for more 
      details. 
      Promotional Period for Introductory APR:
      The Introductory APR for balance transfers will apply to transactions posted to Your Account from 01/01/2022
      until 12/31/2022. Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts 
      are not eligible for the Introductory APR for balance transfers. 
      Billing Rights:
      Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account 
      Agreement. 
      Military Lending Act Disclosures:
      � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved �PSECU Form #3902 1121 03720921-MXC20-C-3-092817 (MXC201-E)
      Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
      of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
      may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
      account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the 
      credit transaction; any application fee charged (other than certain application fees for specified credit transactions or 
      accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
      Please call us at (800) 237-7328 extension 3846 to receive oral disclosures of the Military Lending Act disclosure 
      above and a description of the payment obligation.
      Other Fees & Disclosures:
      Late Payment Fee:
      $20.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a
      payment. 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 this 
      Disclosure. 
      PIN Replacement Fee:
      None. 
      Rush Fee:
      $40.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your 
      Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
      without paying a fee for delivery. 
      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 9.90% which is a monthly periodic rate of 0.8250%. 
      The Introductory Balance Transfer APR is 2.90% which is a monthly periodic rate of 0.2417%. 
      The Balance Transfer APR is 9.90% which is a monthly periodic rate of 0.8250%. 
      The Cash Advance APR is 9.90% which is a monthly periodic rate of 0.8250%. 
      � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved    03720921-MXC20-C-3-092817 (MXC201-E)
                                              APPLICATION AND
                                                 SOLICITATION
                                                  DISCLOSURE
                                                                     CLASSIC CARD
                                                              ALUMNI CLASSIC CARD
      Interest Rates and Interest Charges
      Annual Percentage Rate (APR) for
                                 9.90%
      Purchases
      APR for Balance Transfers  2.90%  Introductory APR until December 31, 2023. 
                                 After that, your APR will be  9.90% .
      APR for Cash Advances      9.90%
      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 $20.00
      - 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 01/01/2022 until 
      12/31/2022. Any existing balances on Pennsylvania State Employees Credit Union loan or credit card accounts are not 
      eligible for the Introductory APR for balance transfers.
      Effective Date:
      The information about the costs of the card described in this application is accurate as of: July 23, 2019
      This information may have changed after that date. To find out what may have changed, contact the Credit Union.
                                      SEE NEXT PAGE for more important information about your account.
      � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved �PSECU Form #3903 1121 03720921-MXC10-C-3-040219 (MXC101-E)
      For California Borrowers, the CLASSIC CARD - ALUMNI CLASSIC 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:
      $20.00 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.
      � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved    03720921-MXC10-C-3-040219 (MXC101-E)