CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE

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.

FOUNDER'S CARD
ALUMNI REWARDS CARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Paying Interest

This APR will vary with the market based on the Prime Rate.
Introductory APR until December 31, 2021.

After that, Your APR will be 

.

This APR will vary with the market based on the Prime Rate.

This APR will vary with the market based on the Prime Rate.

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
Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a
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
- Account Set-up Fee
- Program Fee
- Participation Fee
- Additional Card Fee
- Application Fee
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None
None
None
None
None
None

None
None
None
None

Up to $27.00
None
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

until
. 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

©PSECU Form #3896 0320

03720921-MXC20-C-2-040219 (MXC201-E)

SEE NEXT PAGE for more important information about Your Account.

Military Lending Act Disclosures:
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:
$27.00  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
The Introductory Balance Transfer APR is
The Balance Transfer APR is
The Cash Advance APR is

 which is a monthly periodic rate of

.

 which is a monthly periodic rate of

 which is a monthly periodic rate of
.

 which is a monthly periodic rate of

.

.

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
the 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
Balance Transfers will be charged at
Cash Advances will be charged at

 above the Index.

 above the Index.

 above the Index.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03720921-MXC20-C-2-040219 (MXC201-E)