SECURITY INTEREST
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. CONSUMER 
CREDIT CARD 
AGREEMENT
AND 
DISCLOSURE 
FOUNDER'S CARD 
ALUMNI REWARDS CARD 
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other 
Account opening documents or any subsequent documents provided to You related to this Account (hereinafter 
collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and 
�Credit Union� refers to Pennsylvania State Employees Credit Union with which this Agreement is made. �You,� �Your,� 
and �Yours� refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and 
anyone You authorize to use, access or service the Account. "Card" means the Visa� credit card and any other access 
devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" 
means the line of credit established by this Agreement and includes Your Card. 
1. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.
You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful
transactions.
2. CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts
due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method
acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or
terminate Your Account at any time for any reason permitted by law.
3. CONVENIENCE CHECKS � 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. 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. You may request that We
stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this
Agreement 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 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 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. Note: A convenience 
check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card 
Account with Us and Your stop payment rights are provided under this Agreement with Us. 
4. REPAYMENT � You promise to repay all amounts You owe under this Agreement. Your promise to repay includes
all transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. 
  �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved Page 1 of 6 
�PSECU Form #3897 0321  03720921-MXC30-C-2-040219 (MXC303-E)  
 Page 2 of 6 
03720921-MXC30-C-2-040219 (MXC303-E)  T
he Minimum Payment Due is 2.00% of Your total New Balance, or $30.00, whichever is greater, plus any amount past 
due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than 
$30.00, then Your Minimum Payment Due is the amount of the total New Balance. 
You may pay more frequently, pay more than the Minimum Payment Due 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 Due each month Your 
Account has a balance (other than a credit balance). 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. 
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner 
the Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum 
Payment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage 
rate (�APR�) and any remaining portion to the other balances in descending order based on applicable APR, unless 
otherwise prescribed by applicable law. 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. 
5. INTEREST AND FINANCE CHARGES � We will begin charging You interest on purchases on the date the
transaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on
the date of the transaction. However, We will not charge You any interest on new purchases if Your Account had a zero or
credit balance at the beginning of that billing cycle, or 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.
How We Calculate Your Balance: 
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances 
(�Transaction Type�). We figure the interest charge for each Transaction Type by applying the periodic rate to each 
corresponding �average daily balance.� To get the �average daily balance� for a Transaction Type We take the beginning 
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or 
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type. 
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the 
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type. 
6. FEES � In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your
Account, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this
Agreement.
7. 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.
8. AUTHORIZATIONS � We do not guarantee authorization of a transaction, either by Us or by a third party, even if
You have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain
transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,
internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We
may suspend Your credit privileges until We can verify the activity, or We may close the Account.
9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If You have authorized a merchant to bill charges
to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your
Account information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card
is replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated
Account information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize
Us to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges
to Your Card.
Your Card is automatically enrolled in an information updating service. Through this service, Your updated Account 
information (such as Card number or expiration date) may be shared with participating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for 
making direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated 
Account information to a merchant, please contact Us.  Page 3 of 6 
03720921-MXC30-C-2-040219 (MXC303-E)   10. PREAUTHORIZED CHARGES � We may suspend preauthorized recurring charges with merc hants if, for example, 
Your Card is lost or stolen, You default, or We change  Your Account for any reason. If preauthorized recurri ng charges 
are suspended, You are responsible for making direct pa yment for such charges until You contact the merchant t o 
reinstate recurring charges. 
11. DEFAULT � You will be in default under this Agreement if You fail t o pay the Minimum Payment Due by its Payment 
Due Date; pay by a check or similar instrument that is no t honored or that We must return because it cannot b e 
processed; pay by automatic debit that is returned unpa id; make any false or misleading statements in any credit  
application or credit update; file for bankruptcy; or d ie. You will also be in default if You fail to comply with  the terms of this 
Agreement or any other Agreement You have with Us. 
If You default, We may close Your Account and require Y ou to pay any unpaid balance immediately, subject to appl icable 
law. In this Agreement and on Your Credit Card Applicat ion, You gave Us a security interest in all individual or jo int share 
and/or deposit accounts with the Credit Union and auth orized Us, if You defaulted, to apply the balance in thes e accounts 
to any amounts due. You agree We may rely on Your agree ment and authorization to, upon Your default, apply an y 
balance to any amounts due on Your Account. 
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD  NOTIFICATION � If You notice the loss or theft of 
Your credit card or a possible unauthorized use of Your  Card, You should write to Us immediately at PO Box 670 13, 
Harrisburg, PA, 17106 or call Us at (800) 237-7328 or (80 0) 556-5678, seven days a week 24 hours a day. 
You will not be liable for any unauthorized use that occur s after You notify Us. You may, however, be liable for  
unauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless Yo u are 
found to be fraudulent or negligent in the handling o f Your Account or Card. In any case, Your liability for unauthorized 
transactions will not exceed $50. 
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 t ime. Notice of any change will be given in accordance with  
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balanc e as 
well as to future transactions. 
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either 
You, Your spouse or the Credit Union may terminate th is Agreement at any time, but termination by You, Your spouse or 
the Credit Union will not affect Your obligation to pay  the account balance plus any finance and other charges  You or Your 
spouse owe under this Agreement. Your obligation to pay  the account balance plus any finance and other charge s You 
owe under this agreement are subject to all applicable law s and regulations regarding repayment requirements. The  Card 
or Cards You receive remain the property of the Credit U nion and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreem ent whether by You or the Credit Union. 
Residents of all other states - Either You or the Credit Union may terminate this Agr eement at any time, but termination 
by You or the Credit Union will not affect Your obliga tion 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 a nd regulations regarding repayment requirements. The C ard or 
Cards You receive remain the property of the Credit Uni on and You must recover and surrender to the Credit U nion all 
Cards upon request or upon termination of this Agreem ent whether by You or the Credit Union. 
14. AUTHORIZED USERS � Upon Your request, We may issue additional Cards for aut horized users that You 
designate. You must notify Us in writing of any terminat ion of an authorized user's right to access Your Accou nt. Your 
notice must include the name of the authorized user and Your Account number and/or any subaccount number is sued to 
the authorized user along with the authorized user's Card  and any convenience or other access checks issued to th e 
authorized user. If You cannot return the authorized u ser's Card or access checks and if You request Your Ac count to be 
closed, We will close Your Account and You may apply f or a new Account. Alternatively, We may, at Our sole d iscretion, 
issue You a new Account number and a new Card. 
15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATIO N � You authorize the Credit Union to obtain credit 
reports and any other information We may need to verify Your identity and use of the Account when opening Your  
Account and for any update, increase, renewal, exten sion, collection or review of Your Account. You author ize the Credit 
Union to disclose information regarding Your Account to cr edit bureaus and creditors who inquire about Your credit  
standing. We may report information about Your Account  to credit bureaus. Late payments, missed payments, or other 
defaults on Your Account may be reflected on Your cre dit report. 
16. 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 Cr edit Union can require any one of You individually to repay  
the entire amount owed under this Agreement. Each of Yo u authorizes the other(s) to make transactions on the Acc ount 
individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
17. EFFECT OF AGREEMENT � This Agreement is the contract which applies to all trans actions on Your Account even 
though the sales, cash advances, credit or other slips Y ou sign or receive may contain different terms.  Page 4 of 6 
03720921-MXC30-C-2-040219 (MXC303-E)   18. SEVERABILITY AND FINAL EXPRESSION � This Agreement is the final expression of the terms and conditions of 
Your Account. This written Agreement may not be contra dicted by evidence of any alleged oral Agreement. Should any 
part of this Agreement be found to be invalid or unenfor ceable, all other parts of this Agreement shall remain i n effect and 
fully enforceable to the fullest extent possible under this Agreement. 
19. ILLEGAL TRANSACTIONS PROHIBITED � You agree that You will not use Your Card for any tran saction, including 
any type of electronic gambling transaction through the In ternet, that is illegal under applicable federal, state, o r local law. 
Even if You use Your Card for an illegal transaction, Y ou will be responsible for all amounts and charges incurr ed in 
connection with the transaction. This paragraph shall n ot be interpreted as permitting or authorizing any tran saction that is 
illegal. 
20. APPLICABLE LAW � The terms and enforcement of this Agreement shall be go verned by federal law and the law of 
Pennsylvania. 
21. ENFORCING THIS AGREEMENT � We can delay in enforcing or fail to enforce any of Our  rights under this 
Agreement without losing them. 
22. COLLECTION COSTS � You agree to pay all costs of collecting the amount Y ou owe under this Agreement, 
including court costs and reasonable attorney's fees. 
23. ASSIGNMENT � We may assign any or all of Our rights and obligations u nder this Agreement to a third party. 
24. OVERDRAFT PRIVILEGE � You agree that if, pursuant to any overdraft privileg e on a Credit Union Share Draft 
Account, there is an overdraft of Your Share Draft Ac count, the amount of overdraft will be added to the outstanding 
balance on Your Visa Credit Card Account, subject to th e finance charge provisions set forth in �INTEREST AND 
FINANCE CHARGES� as described for cash advances, and wi ll be subject to all terms and conditions of this Agree ment. 
The Visa Credit Card Account must be current and not o ver the credit limit for funds to transfer to the Sha re Draft 
Account. Overdrafts are not allowed for the purpose of  making loan payments, including Visa Credit Card paymen ts, at 
the Credit Union, ATM or in-branch teller cash withdraw als. The Share Draft Account referred to herein is also s ubject to a 
separate agreement between You and the Credit Union.  Where the terms of any other agreement between You and  the 
Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control. 
25. CALIFORNIA RESIDENTS � A married applicant may apply for a separate Account. A pplicants: 1) may, after credit 
approval, use the credit card Account up to its credit li mit; 2) may be liable for amounts extended under the plan  to any 
joint applicant. As required by law, You are hereby noti fied that a negative credit report reflecting on Your cre dit record 
may be submitted to a credit reporting agency if You fai l to fulfill the terms of Your credit obligations. 
26. FLORIDA RESIDENTS � You (borrower) agree that, s hould We obtain a judgment against You, a portion of  
Your disposable earnings may be attached or garnish ed (paid to Us by Your employer), as provided by Fl orida 
and Federal law. 
27. MARYLAND RESIDENTS � To the extent, if any, that Maryland law applies to You r Account, We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9 of the M aryland Commercial Law Article. 
28. MISSOURI RESIDENTS � Oral Agreements or commitmen ts to loan money, extend credit or to forbear from 
enforcing repayment of a debt including promises to e xtend or renew such debt are not enforceable. To pr otect 
You (borrower(s)) and Us (creditor) from misundersta nding or disappointment, any Agreements We reach 
covering such matters are contained in this writing , which is the complete and exclusive statement of the 
Agreement between Us, except as We may later agree in writing to modify it. 
29. NEW YORK RESIDENTS � We may obtain a credit report in connection with this Accou nt, including for any review, 
modification, renewal or collections associated with this Ac count. Upon Your request, You will be informed whether  such 
report was requested and, if so, the name and addres s of the consumer reporting agency furnishing the report . New York 
residents may contact the New York State Banking Depart ment at 800.342.3736 or www.dfs.ny.gov to obtain a 
comparative listing of credit card rates, fees and grac e periods. 
30. OHIO RESIDENTS � The Ohio laws against discrimination require that all cred itors make credit equally available to 
all creditworthy customers and that credit reporting age ncies maintain separate credit histories on each individ ual upon 
request. The Ohio Civil Rights Commission administers complianc e with this law. 
31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in mak ing this loan or in the 
lender�s loan practices, You may contact the South Dakota D ivision of Banking at 1601 N. Harrison Ave, Suite 1, Pierr e, 
SD 57501, or by phone at 605.773.3421. 
32. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agr eement between You 
and the Credit Union. This written Agreement may not be co ntradicted by evidence of any oral Agreement. As requ ired by 
law, You are hereby notified that a negative credit re port reflecting on Your credit record may be submitted to a credit 
reporting agency if You fail to fulfill the terms of Your  credit obligations.  Page 5 of 6 
03720921-MXC30-C-2-040219 (MXC303-E)   33. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTIC E TO CO-SIGNER � YOUR SIGNATURE ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REP AYMENT OF THIS LOAN. IF THE BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLE CT FROM YOU. 
34. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upo n receipt of this Agreement at the 
address or phone number listed on this Agreement and pr ovide Us with the name and address of Your spouse. We  are 
required to inform Your spouse that We have opened an A ccount for You.  Page 6 of 6 
03720921-MXC30-C-2-040219 (MXC303-E)    This notice tells You about Your rights and Our respon sibilities 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 wha t You believe is wrong and why You 
believe it is a mistake. 
You must contact Us: 
- Within 60 days after the error appeared on Your st atement. 
- At least three business days before an automated pa yment is scheduled, if You want to stop payment on the a mount 
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 n ot required 
to investigate any potential errors and You may have t o 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 tel l 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 eith er 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 a mount. 
- 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 limi t. 
After We finish Our investigation, one of two things wil l 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 the n 
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 quest ioning Your 
bill. We must tell You the name of anyone to whom We repo rted You as delinquent, and We must let those organizati ons 
know when the matter has been settled between Us. 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question e ven if Your bill 
is correct. 
Your Rights if You Are Dissatisfied With Your Credi t Card Purchases 
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tri ed in 
good faith to correct the problem with the merchant, Yo u 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, a nd the 
purchase price must have been more than $50. (Note: Nei ther of these are necessary if Your purchase was based  on 
an advertisement We mailed to You, or if We own the compa ny that sold You the goods or services.) 
2. You must have used Your credit card for the purchas e. Purchases made with cash advances from an ATM or with a 
check that accesses Your credit card Account do not qual ify. 
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 investiga tion, 
We will tell You Our decision. At that point, if We th ink You owe an amount and You do not pay, We may rep ort You as 
delinquent. Your Billing Rights: Keep this Document for Future U se