VISA CLASSIC
CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

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 
APR for Balance Transfers 

F2             
9.90%
F3             
9.90%
F4             Introductory APR until December 31, 2013. 
2.90%

Minimum Interest Charge 
Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

9.90%.

After that your APR will be F5              
F6             
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 and balance transfers 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 Consumer Financial Protection
Bureau at
Bureau at http://www.consumerfinance.gov/learnmore. 

F7             
None
F8             
None
F9             
None
F10           
None
F11           
None

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card 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 
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.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  
OTHER DISCLOSURES 
Late Payment Fee 

F12           
None
F13           
None
F14           of each transaction in U.S. dollars 
1.00%
F15           
None

Up to F16            
$20.00
F17           
None
F18           
None

F19           or the amount of the required minimum payment, whichever 
$20.00
is less. 
F20           
None
F21           
None

PIN Replacement Fee  
Unreturned Card Fee 
Collection  Costs.  You  promise  to  pay  all  fees  and  costs  associated  with  collecting  the  amount  you  owe  under  this 
agreement.  Such fees shall include, but are not limited to, attorney fees not exceeding 20.00% of the outstanding loan 
balance or, fees paid to outside collectors or outside collection agencies, provided the aggregate of such collection fees 
(not including costs) do not exceed 20.00% of the outstanding loan balance. 
Periodic Rates. 
The Purchase APR is F22           which is a monthly periodic rate of F23           
The Cash Advance APR is F24           which is a monthly periodic rate of F25           
The Balance Transfer APR is F26           which is a monthly periodic rate of F27           
The Introductory Balance Transfer APR is F28           which is a monthly periodic rate of F29           
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DPAKG3 (MXC450 CCM001)-e 

0.8250%.

0.8250%.

0.8250%.

0.3250%.

9.90%.

PSECU 3903 1/124/12

9.90%

2.90%

9.90%

 
 
 
 
 
 
 
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  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  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  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
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 Credit Union has a program whereby it allows payment of advances that 
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
advance and/or  terminate your  account  at  any  time  for  any  reason  not prohibited  by  law.  If you  are  permitted  to  obtain 
cash advances on your account, 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 balance. 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 
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 
(6) 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 or draft 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 or draft 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.  
2.  USING YOUR CARD — You understand that the use of your credit card will constitute acknowledgement of receipt 
and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You 
may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card.  The  credit  union  is  not 
responsible  for  the  refusal  of  any  merchant  or  financial  institution  to  honor  your  card.  If  you  wish  to  pay  for  goods  or 
services over the Internet, you may be required to provide card number security information before you will be permitted 
to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union,  from  other  financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If 
the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To 
obtain  cash  advances  from  an  ATM,  you  must  use  the  PIN  issued  to  you  for  use  with  your  card.  Illegal  Use/Internet 
Gambling - Any financial service provided by PSECU may be used for any transaction permitted by law.  You agree that 
you will not use any service for any transaction 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 default or breach of contract.  Use of any financial service 
in a manner not permitted by law may cause that service or related services to be terminated at PSECU’s discretion.  You 
further  agree,  should  illegal  use  occur,  to  waive  any  right  to  sue  PSECU  for  such  illegal  use  or  any  activity  directly  or 
indirectly related to it.  Additionally, you agree to indemnify and hold PSECU harmless from any suits or other legal action 
or liability, directly or indirectly, resulting from such illegal use.  PSECU reserves the right to decline any transaction that
we  consider  fraudulent,  suspicious,  or  illegal.   PSECU  will  not  knowingly  authorize  charges  related  to  online  gambling.  
Even  if  you  use  your  card  for  an  illegal  transaction,  you  will  be  responsible  for  all  amounts  and  charges  incurred  in 

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

000000 (MXC500 CCM000)

connection  with  the  transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your 
card to purchase instruments and engage in transactions 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  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  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 account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an
Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period 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 cycle will not incur a finance charge 
for  that  billing  cycle.  Finance  charge  begins  to  accrue  on  those  purchases  from  the  first  day  of  the  next  billing  cycle, 
unless  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.  A  finance  charge  begins  to  accrue  on  cash  advances 
from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to 
your account, whichever is later. 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. 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  finance charge  is computed  by  applying  the  periodic rate  to  the  average daily balance  of cash 
advances.  To  get  the  average  daily  balance  of  cash  advances,  we  take  the  beginning  outstanding  balance  of  cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  Then,  we  add  all  the  daily  balances  of  cash 
advances 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 cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  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.  
A fee (finance charge), calculated in U.S. dollars, will be imposed 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 United States, with the exception of U.S. military bases, U.S. territories, 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  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  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 year 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  account  is  subject  to  a  Program  Fee,  a  fee  will  be  charged  when  you  open  an  account  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  account  is  subject  to  an  Account  Maintenance  Fee  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  closed  account.  You  may  be  charged  the  fee  each  subsequent  month  until  the  balance  is  paid  off  as 
disclosed on the Disclosure accompanying this Agreement. 
f.  Additional Card Fee. If your account is subject to an 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 Fee, the fee will 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 account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.
i.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
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 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 the Disclosure accompanying this Agreement. 
l.  Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over 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 obtained an additional extension of credit in excess 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.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned to you for any reason. 
n.  PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account 
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 your account 
when  any  card(s)  are  not  surrendered  at  our  request  for  over-limit  delinquency  or  any  other  reason  set  forth  on  the 
Disclosure accompanying this Agreement. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  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 each 
month  your  account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  2.00%  of  your  total  new 
balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and 
any amount you are over your credit limit. In addition to the minimum payment, you must also pay, by the date specified 
above, the amount of any prior minimum payment(s) that you have not made, all outstanding unpaid fees and charges, 
and any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any 
amount by which you are over your credit limit.  
9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
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  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  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.  

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 

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

000000 (MXC500 CCM000)

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 minimum payment or other required 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 bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
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  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic rate charged before default, until what you owe has been paid, and any 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  agree  to  notify  us 
immediately, orally  or  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 the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized 
use  of  your  credit  card.  You  will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or 
possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless 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 law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation 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  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions 
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 Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  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 investigate your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If  your 
credits and payments exceed what you owe  the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
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  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
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 you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  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 Credit Union can require any one of you individually to repay 
©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 
000000 (MXC500 CCM000)

the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases 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 appropriate 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  Agreement  and  the  Disclosure  are  the  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 Agreement or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 
electronic gambling transaction through the Internet. 
26.  PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for 
purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  shown  on  the  Disclosure 
accompanying  this  Agreement  when  you  meet  one  or  more  of  the  conditions  as  set  forth  in  the  Disclosure.  Any  rate 
increases  applied  to  your  account  are  subject  to  applicable  notice  requirements.  Please  refer  to  the  Disclosure  for 
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 errors 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 cannot report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported 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  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in 
good faith to correct the problem with the merchant, you 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, 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 above are met and you are still dissatisfied with the purchase, 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  decision.  At  that  point,  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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