PO Box 67013, Harrisburg, PA 17106 
717.234.8484 (in Harrisburg) 800.237.7328 (nationwide) 
www.psecu.com 

VISA CLASSIC
CREDIT CARD ACCOUNT OPENING DISCLOSURE

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
Minimum Interest Charge 
Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

9.90% 
9.90% 
None 
Your due date is at least 25 days after the close of each billing cycle. 
We do not charge you interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
cash advances on the transaction date.  
To learn more about factors to consider when applying for or using a 
credit card, visit the Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

None 
None 
None 
None 
None 

Fees 
Set-up and Maintenance Fees 
Annual Fee 
Account Set-up Fee 
Program Fee 
Participation Fee 
Additional Card Fee 
(cid:3)
Transaction Fees 
Balance Transfer Fee 
Cash Advance Fee 
Transaction Fee for Purchases 
Foreign Transaction Fee 
Penalty Fees 
Over-the-Credit Limit Fee 
Returned Payment Fee 
Late Payment Fee(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:56)(cid:83)(cid:3)(cid:87)(cid:82) $20.00 

None 
None 

None 
None 
None 
1.00% of each transaction in U.S. dollars 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Billing  Rights. Informatio n on your  rights to disput e tran sactions  and  how to  exerci se tho se ri ghts i s p rovided in yo ur 
account Agreement.  

OTHER DISCLOSURE(cid:54)

None 
(cid:47)(cid:68)(cid:87)(cid:72)(cid:3)(cid:51)(cid:68)(cid:92)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:41)(cid:72)(cid:72)(cid:3)(cid:49)(cid:82)(cid:81)(cid:72)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)
(cid:3)(cid:3)(cid:3)None 
PIN Replacement Fee  
None 
Unreturned Card Fee

Collection  Costs.  (cid:60)(cid:82)(cid:88)(cid:3)(cid:83)(cid:85)(cid:82)(cid:80)(cid:76)(cid:86)(cid:72)(cid:3)(cid:87)(cid:82)(cid:3)(cid:83)(cid:68)(cid:92)(cid:3)(cid:68)(cid:79)(cid:79)(cid:3)(cid:73)(cid:72)(cid:72)(cid:86)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:70)(cid:82)(cid:86)(cid:87)(cid:86)(cid:3)(cid:68)(cid:86)(cid:86)(cid:82)(cid:70)(cid:76)(cid:68)(cid:87)(cid:72)(cid:71)(cid:3)(cid:90)(cid:76)(cid:87)(cid:75)(cid:3)(cid:70)(cid:82)(cid:79)(cid:79)(cid:72)(cid:70)(cid:87)(cid:76)(cid:81)(cid:74)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:68)(cid:80)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:92)(cid:82)(cid:88)(cid:3)(cid:82)(cid:90)(cid:72)(cid:3)(cid:88)(cid:81)(cid:71)(cid:72)(cid:85)(cid:3)(cid:87)(cid:75)(cid:76)(cid:86)(cid:3)(cid:3)
(cid:68)(cid:74)(cid:85)(cid:72)(cid:72)(cid:80)(cid:72)(cid:81)(cid:87)(cid:17)(cid:3)(cid:54)(cid:88)(cid:70)(cid:75)(cid:3)(cid:73)(cid:72)(cid:72)(cid:86)(cid:3)(cid:86)(cid:75)(cid:68)(cid:79)(cid:79)(cid:3)(cid:76)(cid:81)(cid:70)(cid:79)(cid:88)(cid:71)(cid:72)(cid:15)(cid:3)(cid:69)(cid:88)(cid:87)(cid:3)(cid:68)(cid:85)(cid:72)(cid:3)(cid:81)(cid:82)(cid:87)(cid:3)(cid:79)(cid:76)(cid:80)(cid:76)(cid:87)(cid:72)(cid:71)(cid:3)(cid:87)(cid:82)(cid:15)(cid:3)(cid:68)(cid:87)(cid:87)(cid:82)(cid:85)(cid:81)(cid:72)(cid:92)(cid:3)(cid:73)(cid:72)(cid:72)(cid:86)(cid:3)(cid:81)(cid:82)(cid:87)(cid:3)(cid:72)(cid:91)(cid:70)(cid:72)(cid:72)(cid:71)(cid:76)(cid:81)(cid:74)(cid:3)(cid:21)(cid:19)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:82)(cid:88)(cid:87)(cid:86)(cid:87)(cid:68)(cid:81)(cid:71)(cid:76)(cid:81)(cid:74)(cid:3)(cid:79)(cid:82)(cid:68)(cid:81)(cid:3)(cid:3)
(cid:69)(cid:68)(cid:79)(cid:68)(cid:81)(cid:70)(cid:72)(cid:3)(cid:82)(cid:85)(cid:15)(cid:3)(cid:73)(cid:72)(cid:72)(cid:86)(cid:3)(cid:83)(cid:68)(cid:76)(cid:71)(cid:3)(cid:87)(cid:82)(cid:3)(cid:82)(cid:88)(cid:87)(cid:86)(cid:76)(cid:71)(cid:72)(cid:3)(cid:70)(cid:82)(cid:79)(cid:79)(cid:72)(cid:70)(cid:87)(cid:82)(cid:85)(cid:86)(cid:3)(cid:82)(cid:85)(cid:3)(cid:82)(cid:88)(cid:87)(cid:86)(cid:76)(cid:71)(cid:72)(cid:3)(cid:70)(cid:82)(cid:79)(cid:79)(cid:72)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:68)(cid:74)(cid:72)(cid:81)(cid:70)(cid:76)(cid:72)(cid:86)(cid:15)(cid:3)(cid:83)(cid:85)(cid:82)(cid:89)(cid:76)(cid:71)(cid:72)(cid:71)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:68)(cid:74)(cid:74)(cid:85)(cid:72)(cid:74)(cid:68)(cid:87)(cid:72)(cid:3)(cid:82)(cid:73)(cid:3)(cid:86)(cid:88)(cid:70)(cid:75)(cid:3)(cid:70)(cid:82)(cid:79)(cid:79)(cid:72)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:73)(cid:72)(cid:72)(cid:86)(cid:3)(cid:3)
(cid:11)(cid:81)(cid:82)(cid:87)(cid:3)(cid:76)(cid:81)(cid:70)(cid:79)(cid:88)(cid:71)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:82)(cid:86)(cid:87)(cid:86)(cid:12)(cid:3)(cid:71)(cid:82)(cid:3)(cid:81)(cid:82)(cid:87)(cid:3)(cid:72)(cid:91)(cid:70)(cid:72)(cid:72)(cid:71)(cid:3)(cid:21)(cid:19)(cid:17)(cid:19)(cid:19)(cid:8)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:82)(cid:88)(cid:87)(cid:86)(cid:87)(cid:68)(cid:81)(cid:71)(cid:76)(cid:81)(cid:74)(cid:3)(cid:79)(cid:82)(cid:68)(cid:81)(cid:3)(cid:69)(cid:68)(cid:79)(cid:68)(cid:81)(cid:70)(cid:72)(cid:17)

Periodic Rates. 

The Purchase 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%. 

 
 
 
 
 
 
 
PO Box 67013, Harrisburg, PA 17106 
717.234.8484 (in Harrisburg) 800.237.7328 (nationwide) 
www.psecu.com 

VISA CLASSIC
CONSUMER CREDIT CARD AGREEMENT

In this Agre ement, “Agree ment” me ans this Co nsumer  Credit Card Ag reement. “Disclo sure” me ans the Credit Card  
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and i s  part o f the Ag reement. In thi s A greement th e wo rds "you,"  “you r,”  and " yours" me an 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 ag ree that your  credit limit is th e maximum  amount  (purchases,  cash advan ces, finan ce  charges, plu s "oth er 
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 Cre dit Union has a program whereby it all ows payment of advances that 
exceed you r credit limit, subj ect to  a  fee, the Cre dit Unio n w ill provid e you  with n otice, either  orally, in writin g,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Uni on’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a pro gram, you agree to the terms of su ch a program. You may request an increase in your credit  limit only by  a 
method acceptable to the  Credit Union. The Credit  Union may in crease or d ecrease your  credit limit, refuse to ma ke an 
advance and/or te rminate your a ccount at any tim e for a ny re ason not  prohibited by l aw. If  you are p ermitted to obtai n 
cash advances on your account, we may, from time to time , issue convenience checks to you that may be dra wn on your 
account. Convenience checks may not  be used to m ake a  payment on your a ccount balance. If you use a conve nience 
check, it will  be posted to  your account as  a cash advance. We reserve the  right to refu se to  pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may req uest that we  stop the pay ment of a co nvenience check drawn  on your account. You agre e to pay any fee 
imposed to  stop a payme nt on a  convenience  check issu ed o n  your a ccount. Y ou may m ake  a sto p p ayment re quest 
orally, if pe rmitted, or in  writing. Yo ur  request m ust be ma de  with suffici ent ti me in a dvance of th e p resentment of the  
check for pay ment to give us a rea sonable opportunity to ac t on your requ est. In addition, yo ur request must accurately 
describe the  check including the exa ct account number, the  payee, any ch eck number that may be ap plicable, and t he 
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 req uest in writing within that time. Written stop pay ment orders are effective only for six 
(6) months and may be re newed for additional six month periods by requesting in writing tha t the stop pa yment 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 st op payment order, you agree to  sign a  statement describing the d ispute with the 
payee, to a ssign to u s all  of your ri ghts against the  payee or other holders of the ch eck or draft and to  assist us in any 
legal  action.  You ag ree t o ind emnify  and  hold u s harmle ss fr om all  costs and  expe nses, in cluding attorn ey's f ees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop pa yment of an item as a resul t 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING YOUR CARD — You unde rstand that the use of your credit ca rd will con stitute acknowledgement of receipt  
and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You 
may use yo ur card to m ake  purchases fro m me rchants  and others  who accept  your  card. The  credit union i s not 
responsible for the refusal  of any merchant or fina ncial in stitution to hono r your  card. If you wi sh to p ay for good s or 
services over the Internet, you may be  required to provide ca rd number security information  before you  will be permitte d 
to co mplete  the tra nsaction. In  addition, you  may  obtain   cash advan ces from the  Cre dit Unio n, fro m othe r fin ancial 
institutions that accept you r card, a nd from some a utomated teller machines (ATMs). (Not all  ATMs a ccept your card. ) If 
the credit uni on authorizes ATM tr ansactions with your card, it will issue y ou a  personal identification num ber (PIN). To 
obtain ca sh  advances fro m an ATM,  you mu st use the PIN issue d to you for use  with your ca rd. Illegal Use/Inte rnet 
Gambling - Any financi al service provided  by PSECU may be used for  any transaction permitted by law.   You agree  that 
you will not use any service for any t ransaction that is illegal under applicable federal, state, or local law.  You agree that 
illegal use of any financial  service will be deemed an action of def ault or breach of contract.  Use of any finan cial service 
in a manner not permitted by law may cause that service or related services to be terminated at PSECU’s discretion.  You 
further ag ree, sh ould ill egal use o ccur, t o waive any  right to  sue  PSECU fo r  such ill egal u se or any  activity directly o r 
indirectly related to it.  Additionally, you agree to indemnify and hold PSECU har mless from any suits or other legal action 
or liability, directly or i ndirectly, resulting from  such illegal use.  PSECU  reserves the  right to  decline any transaction tha t 
we  consider  fraudulent, suspi cious,  or illegal.   PSE CU will  not   knowingly a uthorize  charges  related to  onlin e g ambling.  
transaction, you w ill be responsibl e for all amoun ts and charges  incurred in 
Even if you use your  card for an illegal 
000000 (MXC500 CCM000) 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

 
 
 
connection  with the tran saction. If you   are pe rmitted to o btain  cash  advances  on you r  account, you m ay also u se yo ur 
card to p urchase instruments and engage in tran sactions 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 pr omise to  pa y a ll  charges ( purchases,  cash advan ces,  balance tran sfers, u se 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 a ccount under the terms  of this Agree ment or 
another agreement you made with the Credit Union. If this  is a joi nt account, the pa ragraph on  JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The pe riodic  rates a pplicable to p urchases,  cash  advances, a nd bala nce tra nsfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be i mposed for failing to make a 
payment  by  the paym ent due  date  i s also di sclosed o n th e  Disclosure. An y rate  change will  be  ma de p ursuant  to 
applicable law. If the rate  for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases, cash adva nces, balan ce transfe rs a nd  any penalty ra te will vary perio dically as disclo sed i n the Disclo sure 
accompanying this Ag reement. The ini tial rate o n your  account for  certain types of tran sactions may be an introdu ctory 
discounted rate (Introductory Rate) that is  lower than the rate that woul d ordinarily apply for that type of tr ansaction. If an 
Introductory Rate applies to your a ccount, the rates  and the p eriod of time it will be effective  is sh own on  the Disclosure 
accompanying this A greement. After the Intr oductory Rate peri od 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 cy cle will not incur a finance  charge 
for that billing cycl e. Fi nance  charge begins to accrue on 
those  purchases from the first  day of the next billing cy cle, 
unless you paid the enti
re new balance  on the  previous  cycle’s billi ng  statement  by th e paym ent due date  of that 
statement. To avoid an a dditional finance charge on the balan ce of purcha ses, you mu st pay the entire new  balance on 
to accrue on  cash  advances 
the billing  statement by the paym ent due date of  that statem ent. A finance charge begins 
from the date you get the  cash advance or  from the first day of t he billing  cycle in which the cash  advance is posted t o 
your account, whichever is later. 
The fin ance  charge i s  calculated  separately for p urchases  and  cash  advances. F or pu rchases, th e fi nance  charge is 
computed by applyin g the periodic rate to the  average daily balance of p urchases. To get 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. Then, we add all 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 fi nance charge is  computed by applyi ng the peri odic rate to the a verage daily balance of  cash 
advances. To get the averag e daily balan ce of cash a dvances, we take the begin ning outstandi ng balan ce of ca sh 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cas h 
advance b alance. This  gives u s the  daily balan ce of ca sh a dvances. Th en, we  a dd all  the daily bal ances  of ca sh 
advances for the billing cycle togeth er and divide th e total by t he number of days in the billing cycl e. This gives u s the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advan ces made in fo reign currencies will be de bited from you r 
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 f rom a range of rates available in wholesale currency markets for the 
applicable  central  processing d ate, which rate m ay vary fro m  the  rate Vi sa itse lf re ceives o r the  government-mandated 
rate in effect  for the  applicable central processing date. The exchange rate used on th e processing date  may differ fro m 
the rate that would have been used on the purchase date or cardholder statement posting date.  
A fee (fina nce charge),  calculated in  U.S. dollars, wil l be im posed 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 Un ited States, with the  exception of U.S. military bases, U.S. te rritories, 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 a ccount, the fee am ounts  and ex planations a re disclo sed  on the Di sclosure a ccompanying this Ag reement. 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 upon the issuance of 
your card. Each yea r following, the annual fee will be charged to your account during the same month that you were first 
charged the fee. The fee will be charged each year until your account is closed and 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. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

000000 (MXC500 CCM000) 

c.  Program  Fee. If your accou nt is subj ect to a Prog ram Fee,  a fee will be ch arged wh en you open an  acco unt 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.  Account  Maintenance  Fee  on  Closed  Accounts. If your acco unt is su bject to an Accou nt Maintena nce Fe e on  
Closed Accounts, the fee may be charged to your account on the statement date for each month you have an outstanding 
balance  on a  clo sed  account. You ma y be ch arged the fee e ach  subsequent month u ntil the bala nce is p aid off  as 
disclosed on the Disclosure accompanying this Agreement. 
f.  Additional Card Fee. If your a ccount is subje ct to a n Additional  Card Fee, a fee will  be charged for  each additional 
card issued to you at account opening. 
g.  Balance Transfer Fee. If your account  is subject to  a Balance Transfer F ee, the fee w ill 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 a ccount is  subject to a  Cash Advance Fee (finance cha rge), the fe e 
will be ch arged to your account wh en you obtain a cash adv ance from a n ATM, the Credit Union o r other financi al 
institution.  
i.  Foreign  Transaction  Fee  (Finance  Charge).  If your accou nt  is su bject  to  a Foreign  Tran saction Fee (finan ce 
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. If your account is subject to a Transaction Fee for Purchases, a fee will be charged 
to your account for purchases as disclosed on the Disclosure accompanying this Agreement. 
k.  Late Payment Fee. If yo ur account is subject to a Late Payment F ee, 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 electe d the feature to allow your account to go ove r 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 o btained an additional extension of credit in exce ss 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. I f your  account is  subject  to a  Returned Payment  Fee, t he fee  will be  charged to your 
account when a payment is returned to you for any reason. 
n.  PIN Replacement Fee. If your acco unt is subj ect to a PIN Repla cement Fee, a fee will be cha rged to your a ccount 
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 y our account 
when any ca rd(s)  are n ot surren dered at our req uest for  over-limit delinque ncy or a ny other re ason  set forth on t he 
Disclosure accompanying this Agreement. 
8.  PAYMENTS  — Each mo nth you must pay at least 
the minimu m payment sh own o n your  statement b y the date 
specified on  the statemen t. You may p ay more freq uently, pay   more than th e minimum p ayment or pa y the total n ew 
balance in full. If you make extra o r larger payments, you ar e still required to  make at lea st the minimu m payment e ach 
month you r  account ha s  a bala nce (o ther tha n a  credit b alance). The  minimum payme nt is 2.0 0% of  your total  new 
balance, or  $20.00, whichever is g reater, plus the a mount of any prior mi nimum payments that you have not made,  and 
any amount you a re over your credit limit. In addition  to the  minimum payment, y ou must also pay, by the d ate specified 
above, the a mount of a ny prior minimum payment(s) that you h ave not mad e, all  outstanding unpaid fees and charges, 
and any amount you are o ver your credit limit. The Credit Un ion also has the right to demand immediate payment of a ny 
amount by which you are over your credit limit.  
9.  PAYMENT ALLOCATION — Subject to appli cable law, your p ayments may be applied to what you o we the Credit  
Union in any  manner the  Credit Union chooses. However, in  every case, in th e event you  make a payment in exce ss of 
the re quired  minimum  periodic payme nt, the Credit  Union will  al locate the  excess amo unt first to th e b alance  with t he 
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 gra nt the Credit Uni on a se curity intere st und er the Unifo rm  Commercial  Code and  
under any co mmon la w ri ghts the  Credit Union m ay have in  any goods you  purchase. If you give the Cre dit Unio n  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 

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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 mini mum payment or other requ ired 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 ba nkruptcy or become insolvent, that is, unable  to pay your obligations when they become due. You will be i n 
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 ha
s the  right to  dem and imme diate payment o f your full accou nt balan ce 
without givin g you notice.  If immediat e payment is deman ded, you agree to c ontinue payi ng finan ce charg es at th e 
periodic rate charged before default, until what you owe ha s been paid, and an y 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 ag ree to notify us 
immediately, orally o r in  writing, at PO  Box 67013,  Harrisburg PA 17106  or telephone (717) 234-8484 Monday through 
Friday 8:00 a.m. to 5:00 p.m., (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 t he loss, theft, or unauthori zed use of your credit card. You may  be liable for the unauthorized 
use of your credit card. You will not be li
able for unauthorized  use that  occurs after you notify us  of  the loss, theft, or 
possible unauthorized use. You will ha ve no liability for unauth orized purchases made with  your credit card, unle ss 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 l aw, the Credit Union may  change the terms 
of this Agre ement and a ny attached  Disclosure from time to ti me. Notice  of any change will be given in  accordance with 
applicable l aw. If permitted by law an d spe cified i n the notic e to you, the chang e will a pply to your  existing a ccount 
balance as well as to future transactions. 
Either you or  the Credit  Union may te rminate this Agreement at any time, but te rmination by  you or the  Credit Union  will 
not affect your obligatio n to pay the acco unt 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 appli cable laws a nd regul ations regarding  repayment re quirements. You  are al so  responsible fo r  all tran sactions 
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 Ag reement whether by you o r the Credit  Union. If this is a j oint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  — Up on your  request, we m ay issue a dditional card s fo r 
authorized u sers that you  de signate.  You mu st n otify us in  wr iting of  any te rmination of  an a uthorized u ser's ri ght to  
access you r  account. Your letter mu st inclu de the n ame of  the a uthorized u ser and yo ur  account num ber an d/or a ny 
subaccount n umber issu ed to the autho rized u ser al ong  with the  authorized u ser's card  and any co nvenience 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 inve stigate your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bu reaus and creditors who i nquire about your credit standing. If your acco unt is eli gible for em ergency 
cash and/o r emergen cy  card repl acement services,  and yo u re quest such service s, you   agree that  we may p rovide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants a nd othe rs who ho nor yo ur  card may  give credit f or returns  or 
adjustments, and they will do so by sen ding the Cre dit Union a credit slip  which will be p osted to your  account. If  your 
credits and payments exceed what you owe  the Credit Union, the amount will be ap plied against future  purchases and 
 be  refun ded u pon yo ur  written req uest or 
cash  advances. If the  credit bala nce amou nt is  $1.00  or m ore, it will
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  — The  Credit Uni on m ay from time  to time offe r ad ditional 
services to your a ccount, such as travel accident insurance, at no additional  cost to you.  You understand that the Cre dit 
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 hono r your card. The  Credit Union i s subj ect to cl aims a nd d efenses  (other  than tort cl aims)  arising  out of good s o r 
services you purcha se with the card  if you have ma de a goo d faith attempt but  have been  unable to obtain sati sfaction 
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 yo u; or (b) your purchase cost more than $50.00 and was made in your state or withi n 
100 miles of your home. 
19.  JOINT ACCOUNTS — If  this is a joint accou nt, each of you will be individuall y and jointly resp onsible for paying all  
amounts owed under this  Agreement. This means that the Cre dit Union can  require any  one of you i ndividually to  repay 
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©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

the entire amount owed under this Agreement. Each of you authorizes the other(s) to make p urchases 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 to you at the app ropriate 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 Agree ment and the Disclo sure are t he 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 A greement or the  Disclosure be found to  be invalid or unenforceable, all 
other  parts o f this Ag reement an d  Disclosure shal l rem ain in   effect and  fully enforcea ble to the full est extent p ossible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  — Y ou may not  use you r card to initiate any type of 
electronic gambling transaction through the Internet. 
26.  PENALTY RATE DISCLOSURES — If appli cable to  your account, all rate s for  your account, including the rates fo r 
purchases, cash a dvances, and bal ance transfe rs, will incr ease to the  Penalty Rate  sho wn on 
the Disclo sure 
accompanying this Agre ement whe n you meet one  or more of  the co nditions as set forth  in the Discl osure. Any rate  
increases  applied to  you r acco unt  are su bject to  applicable noti ce  requirements. Plea se refer to  the   Disclosure fo r 
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. 
29.  NOTICE TO ALABAMA BORROWERS — CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS 
AGREEMENT BEFORE YOU SIGN IT. 

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: 
Pennsylvania State Employees Credit Union 
PO Box 67013 
Harrisburg, PA 17106 

You may also contact us on the Web: www.psecu.com 
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. 

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 e rrors 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. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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>  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.  

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 can not report you a s delinquent without also  reporting that y ou are  questioning your bill. 
We must tell you the name  of anyone to whom we re ported you as delinquent, and we must let those organizations 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 even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 

If you are di ssatisfied with  the goo ds  or services th at you  have  purchased wi th your  credit ca rd, an d yo u have tri ed i n 
good faith to correct the problem with the merchant, you ma y have the right not to pay the remainin g 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 a bove are met  and you are still dissatisfied with the p urchase, contact us in writing [or electronically] 
at: 

Pennsylvania State Employees Credit Union 
PO Box 67013 
Harrisburg, PA 17106 
www.psecu.com 

While we investigate, the same rules apply to the  disputed amount as discussed above. After we finish our investigation, 
we will tell you our decisi on.  At that p oint, if we think you owe  an amount  and you do not pay, we may report you as 
delinquent. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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