� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved �PSECU Form #3895 1220 03720921-MXC10-C-2-040219 (MXC101-E)APPLICATION AND
SOLICITATION
DISCLOSURE
FOUNDER'S CARD
ALUMNI REWARDS CARD
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers  Introductory APR until December 31, 202 2.
After that, your APR will be . This APR will vary with the market
based on the Prime Rate.
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on
PurchasesYour 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.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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 None
- Account Set-up Fee None
- Program Fee None
- Participation Fee None
- Additional Card Fee None
- Application Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee None
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $27.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee None
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account from 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.
SEE NEXT PAGE for more important information about your account.
12.40%
3.90%
12.40%
12.40%
01/01/2021
12/31/2021 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03720921-MXC10-C-2-040219 (MXC101-E)Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the FOUNDER'S CARD - ALUMNI REWARDS CARD may be a secured credit card.
Credit extended under this credit card account may be secured by various personal property and money
including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically
pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account
that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have
with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that
during any periods when you are a covered borrower under the Military Lending Act your credit card will be
secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any
individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you
establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered
borrower.
Other Fees & Disclosures:
Late Payment Fee :
$27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.
PIN Replacement Fee :
None.
Rush Fee :
$40.00.
Unreturned Card Fee :
None.
Collection Costs:
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
attorney's fees.
Periodic Rates:
The Purchase APR is which is a monthly periodic rate of
The Introductory Balance Transfer APR is which is a monthly periodic rate of .
The Balance Transfer APR is
The Cash Advance APR is 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
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  above the Index.
Balance Transfers will be charged at  above the Index.
Cash Advances will be charged at  above the Index.
April 1, 2020.
12.40%
1.03%
3.90%
0.3250%
12.40%
1.03%
12.40%
1.03%
9.15%
9.15%
9.15% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved �PSECU Form #3896 REV 1220 03720921-MXC20-C-2-040219 (MXC201-E)
CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
FOUNDER'S CARD
ALUMNI REWARDS CARD
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesThis APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Introductory APR  until December 31, 202 2.
After that, Your APR will be  .
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will
not charge You any interest on purchases if You pay Your entire balance by
the due date each month. We will begin charging interest on cash advances
and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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 FeeNone
None
None
None
None
None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee None
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment FeeUp 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.
SEE NEXT PAGE for more important information about Your Account.
12.40%
3.90%
12.40%
12.40%
01/01/2021
12/31/2021 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03720921-MXC20-C-2-040219 (MXC201-E)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  which is a monthly periodic rate of .
The Introductory Balance Transfer APR is  which is a monthly periodic rate of .
The Balance Transfer APR is  which is a monthly periodic rate of .
The Cash Advance APR is  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  above the Index.
Balance Transfers will be charged at  above the Index.
Cash Advances will be charged at  above the Index.
12.40%
1.03%
3.90%
0.3250%
12.40%
1.03%
12.40%
1.03%
9.15%
9.15%
9.15%