b'SAFE Platinum Visa\xc2\xae Credit Card\nPRICING INFORMATION\nVariable rates are based on the Prime Rate as of\nFebruary 1, 2021.\n\n(APR = Annual Percentage Rate)\n(MPR = Monthly Periodic Rate)\n\nAnnual Percentage Rate (APR) for Purchases\nRates based on the Prime Rate\n\nPrime + 5.74% to Prime + 12.24%\n(APR) 8.99% to 15.49%\n\n(MPR) 0.749% to 1.291%\nAnnual Percentage Rate (APR) for Balance\nTransfers and Cash Advances\n\nPrime + 5.74% to Prime + 12.24%\n(APR) 8.99% to 15.49%\n(MPR) 0.749% to 1.291%\n\nMinimum Interest Charge\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advance % of Transaction\nForeign Transaction\nAccount Fees\nAnnual\nLate Payment\nReturned Payment\n\nNone\n3% (min: $10 to max: uncapped)\nUp to 1% of the transaction amount in U.S.\ndollars\nNone\n$15 or minimum payment amount,\nwhichever is less\nUp to $10\n\nVariable Rate Information\n\nVariable Rates are calculated by adding together an index and a margin. This index is the Prime Rate as\npublished in the Wall Street Journal on the 15th of each month. An increase or decrease in the index will\ncause a corresponding increase or decrease in your variable rates on the first day of your billing cycle\nthat begins in the same month in which the index is published. An increase in the index means that you\nwill pay higher interest charges and have a higher Total Minimum Payment Due.\n\nInterest Rate Adjustment\n\nAn interest rate adjustment will occur when your account is 60 days or more past due. If your account is\n60 days past due, the interest rate for existing and new balances will be increased to an ANNUAL\nPERCENTAGE RATE of 21.90%. This interest rate increase will be effective beginning after 45-day\nnotice is provided to you. The interest rate adjustment will terminate if you make the required minimum\npayments for six consecutive months.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances and balance transfers as of the transaction date.\n\nBalance Subject to Interest Rate\n\nAverage Daily Balance Method (including new Purchases):\nWe figure the interest charge on your account by applying the periodic rate to the "average daily balance"\nof your account. To get the "average daily balance" we take the beginning balance of your account each\nday, add any new purchases, advances and fees, and subtract any unpaid interest or other finance\ncharges and any payments or credits. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us\nthe "average daily balance."\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1511 02/01/2021\n\n\x0cCredit Card Agreement and\nTruth-in-Lending Disclosure\nIn this Agreement, the words you and your mean each and all of those who are approved for the credit card account.\nCard means the Visa Credit Card and any duplicates and renewals we issue. Account means your open-end credit\ncard Account with us, whether the Account is accessed using a Card, the number embossed on the Card, special\nchecks we may issue that allow you to access the Account, or other devices such as mobile apps that allow you to\ninitiate credit transactions to the Account. We, us, and ours mean SAFE Credit Union (\xe2\x80\x9cSAFE\xe2\x80\x9d).\nThis agreement applies to SAFE Platinum Visa Credit Card, SAFE Platinum Rewards Visa Credit Card, SAFE\nPlatinum Cash Rewards Visa Credit Card, SAFE Platinum Secured Visa Credit Card, SAFE Platinum Rewards\nSecured Visa Credit Card, and SAFE Platinum Cash Rewards Secured Visa Credit Card.\nAgreement: By applying for, using, or permitting others to use the Card or Account, you agree to the terms and\nconditions contained in this Agreement. If you do not agree to these terms and conditions, DO NOT USE the Card\nand notify us immediately that you wish to cancel your Account.\nUsing Your Account: You can use your Account in the following ways. Other methods of accessing your Account\nfor transactions may become available in the future.\n(a) You can present your Card or Card number to initiate purchase and cash advance transactions with\nmerchants and others who honor Visa cards. For remote transactions such as purchases made over the\ntelephone or online, you may need to provide the Card expiration date and security code. If you give your\nAccount information to a third party to authorize recurring payments, such as gym membership dues, you\nmust notify the third party when you revoke your authorization.\n(b) You can input your Account information into mobile payment applications, such as Apple Pay\xc2\xae and Android\nPay\xe2\x84\xa2, on mobile devices and use those payment applications to initiate payments. These payments will be\ntreated as purchases for purposes of accrual of interest on your Account balance.\n(c) You can write special checks we may, from time to time, issue on your Account to any lawful payee. Use of\nspecial checks will be treated as cash advances for purposes of accrual of interest on your Account balance.\nThe following rules apply to use of special checks: (i) You can stop payment on a special check if you submit\na stop payment request to us at least 24 hours before the check is presented to us for payment by the payee.\nYou must give us the Account number, special check number, and exact amount of the check. If this\ninformation is not absolutely accurate, we will not be liable for failure to stop the payment because our\nautomated payment system may not be able to find the check. (ii) The fee for stopping payment on a special\ncheck is the same as for stopping payment on a SAFE check (share draft). Please refer to the SAFE Fee\nSchedule. (iii) We operate in an automated processing environment and do not physically examine signatures\non special checks. You must report any unauthorized special check no later than 60 days after the first billing\nstatement on which it appears, or we will not be responsible for any loss resulting from payment of the check.\n(iv) Merchants may convert special checks you write to electronic (automated clearinghouse/ACH) payments;\nfor example: special checks you write to pay bills (ARC [accounts receivable] entries) or to pay merchants\nfor goods or services (POP [point-of-purchase] entries and BOC [back office conversion entries]). Payees\nand merchants who may convert your special checks to ACH entries are required to notify you in writing that\nthey may do so. Your rights and responsibilities with respect to all ACH entries are governed by California\nlaw, Consumer Financial Protection Bureau, Regulation E, and ACH rules.\n(d) You can use your Card and PIN at SAFE ATMs and other ATMs that honor Visa Cards to obtain a cash\nadvance. Cash advance fees apply to the use of your Card at ATMs. In addition, if you use an ATM that is\nnot operated by SAFE, that ATM operator may charge a fee for use of their ATM, which they are required by\nlaw to disclose to you before you become obligated to pay. The following rules apply to ATM cash advances\nusing your Visa Card: (i) The amount of cash you can obtain may be limited by your available credit or limits\nset by the operator of the ATM you are using. (ii) We will not be liable to you if the transaction is declined due\nto you not having sufficient available credit, the ATM you were using was not working properly, your Card or\nPIN is subject to a block, or circumstances beyond our control such as fire, flood, or failure of a central\nprocessing facility. (iii) Use common sense and reasonable care in using ATMs, especially at night. We\ncannot guarantee the safety of any ATM location.\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 1 of 8\n\n\x0c(e) Certain types of transactions may be coded as cash advances by the merchant to which you present your\nCard or Account number. We will treat these transactions as cash advances for purposes of accrual of interest\non your Account balance. Examples of such transactions include, but are not limited to, (i) wire transfers, (ii)\nmoney order purchases, (iii) bets, (iv) lottery tickets, and (v) casino gaming chips.\nOur Right to Refuse to Honor Transactions: We may refuse to honor transactions initiated on your Account for\nany lawful reason, including but not limited to the following: (a) you are in default on the Account or any other\nobligation you have to SAFE, (b) a merchant hold causes you to reach or exceed your credit limit or the transaction\nwould otherwise cause you to exceed your credit limit, or (c) we reasonably suspect the transaction is illegal or\nfraudulent. If we detect unusual or suspicious activity, we may decline to authorize a transaction or suspend access\nto your Account until we can verify that the suspicious transaction is authorized. If you plan to travel or make large\npurchases, the risk that your transaction will be declined may be reduced if you notify us of your plans in advance.\nProhibition Against Illegal Transactions: You agree you will not use or permit others to use the Card or Account\nfor transactions that violate applicable laws or regulations. For example, you will not use or permit use of the Card\nfor illegal online gambling. By initiating or allowing others to initiate a transaction using the Card or Account, you\nwarrant to us that the transaction is lawful. We have the right, but not the obligation, to refuse to honor any transaction\nwe reasonably believe to be illegal. You cannot use the actual or alleged illegality of an authorized transaction as a\ndefense to your obligation to pay what you owe. You agree that you will at your sole cost defend, indemnify and hold\nSAFE harmless from any claim to which we become subject as a result of the use of your Account for actual or\nalleged illegal transactions.\nHonest Dealing: You agree to promptly notify us any changes in your name, address, e-mail address, or telephone\nnumbers(s). You may notify us through SAFE Online Banking, write to us separately, call us, or complete the\nAddress/Phone Number Change section provided on your monthly statement. You agree that SAFE can correct\nclerical errors, including but not limited to errors in rates and fees quoted to you, provided we do so in good faith.\nCredit Limit: We will set your credit limit based on our evaluation of your creditworthiness and our policies. In some\ncases, the assessment of interest or fees may cause your Account balance to exceed your credit limit. You agree to\nrepay any amount by which your Account balance exceeds your credit limit immediately upon our demand. We may\nchange your credit limit or terminate your Account based on a variety of factors, such as your payment and transaction\nhistory with us and information we receive from third parties, including credit reporting agencies. You may request an\nincrease in your credit limit by submitting an application.\nChanges in Terms: We reserve the right to make changes to this Agreement from time to time by sending you any\nadvance written notice required by law and subject to legal requirements. Changes may include, but are not\nnecessarily limited to, changes in the interest rate, fees, and other terms. By keeping the Account open after the\neffective date of the changes, you consent to the changes. You agree that if we change your Card and/or Account\nnumber in connection with a Card reissue, replacement of a lost or stolen Card or other permissible reason, we have\npermission to notify Visa. For participating merchants, the Visa Account Updater service will automatically update\nyour Card and Account number so that any transactions you have already authorized and payment services to which\nyou have linked your Account (for example PayPal or Apple Pay) will continue uninterrupted.\nResponsibility for Payment: You agree to repay purchases, balance transfers, and cash advances initiated by\nyou or any person to whom you have given permission to use the Account plus associated interest and fees. By\nmaking your Card, Card number, or any other access device available to a person, you are making that person a\nPermissive User of your Account and he/she can initiate any transaction you could initiate yourself, even if it exceeds\nthe scope of your permission. If you submit an authenticated written request to issue a Card to a person other than\nyourself, we will issue the Card per your request and that person will become an Authorized Cardholder of your\nAccount. You are responsible for repayment of all transactions initiated by Permissive Users and Authorized\nCardholders plus associated interest and fees. We are not subject to agreements between you and Permissive Users\nor Authorized Cardholders limiting their use of your Card or the Account unless we have agreed in writing to establish\na limit on an Authorized Cardholder\xe2\x80\x99s Card that is lower than the limit on the Account. Your obligation to pay the\nAccount balance continues even though an agreement, divorce decree, or other court judgment to which we are not\na party may direct you or one of the other persons responsible to pay the Account. We reserve the right to decline\nto issue Authorized Cardholder Cards for any lawful reason. If you want to terminate an Authorized Cardholder\xe2\x80\x99s\nuse of the Account, you must notify us in writing. You will remain responsible for all of the Authorized\nCardholder\xe2\x80\x99s transactions initiated prior to our receipt of your written notice.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 2 of 8\n\n\x0cPayments: Each month you must pay at least the minimum payment shown on your statement by the date specified\non the statement. Payments must be made in U.S dollars using payment instruments drawn on U.S. financial\ninstitutions. You may pay more frequently, pay more than the minimum payment, or pay the total new balance in full.\nIf you make extra or larger payments than the minimum payment, you are still required to make at least the minimum\npayment each month your Account has a balance (other than a credit balance). The minimum payment will either be\n2% of the new balance on the date of cycle closing or $10, whichever is greater. If the new balance is less than $10,\nyou only pay that amount. In addition to the minimum payment due, you agree to pay any amount which is past due\nor over limit immediately.\nPayments will be applied as follows: We will apply your payments first to finance charges (which include interest,\ncash advance and balance transfer fees, and foreign transaction fees), then to late fees (if any), and then to the\nprincipal balance. If your account has balances with different APRs, we will allocate the amount of your payment\nequal to the minimum payment due to the lowest APR balances first. Payment amounts in excess of your minimum\npayment due will be applied to balances with higher APRs before balances with lower APRs.\nAll payments will be posted to your Account as of the date we receive them, provided we receive them before close\nof business on any business day. Payments received after the close of business on any business day will be credited\non the next business day. If a non-cash payment instrument presented for payment on your Account is returned\nunpaid, we reserve the right to charge interest on the Account retroactively to the date on which we credited the\nreturned payment. All non-cash payments are subject to verification and collection by us. We reserve the right to\ndelay restoration of your Credit Limit for the maximum time allowed by law.\nStatements: You will receive a billing statement each month there is a balance on your Account for the amounts due\nunder this Agreement. If you elect to receive your billing statement electronically, you will receive an email notification\nalerting you when your eStatement is ready to view online. Failure to receive a billing statement or email notification\ndoes not relieve you from making any required minimum payment. To receive your monthly statement electronically,\nyou can enroll in eStatements through SAFE Online Banking.\nInterest Charges: You have a grace period of 25 days from the statement date to pay your statement balance in full\nbefore interest is assessed on the purchase balance. If you do not pay your statement balance in full by the payment\ndue date, you will be charged interest on the then outstanding purchase balance and on future purchases from the\ntransaction date. We will begin charging interest on cash advances and balance transfers as of the transaction date.\nWe figure the interest charge on your Account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\nAccount. The periodic rate is 1/12 of the Annual Percentage Rate assigned to your Account. To get the \xe2\x80\x9caverage\ndaily balance,\xe2\x80\x9d we take the beginning balance of your Account each day, add any new purchases, advances and\nfees, and subtract any unpaid interest and other finance charges and any payments or credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9caverage daily balance."\nInterest Rate Information: The Annual Percentage Rates (APRs) applicable to purchases, cash advances, and\nbalance transfers that will apply to your Account, along with information about how your variable APR will be\ncalculated and fee information, were disclosed to you in the Truth-in-Lending Disclosure provided to you with this\nAgreement when you opened this Account. Variable APRs may change monthly at the beginning of each billing cycle\nbased on the movements of the Index. The Index is the prime rate correctly published in the Wall Street Journal,\nWestern Edition, on the 15th calendar day of the month prior to the rate adjustment. If the 15th day of the month is not\na business day, the prime rate published on the next business day will be used. Your variable APR will be determined\nby adding the margin assigned to your Account (also disclosed to you in the Truth-in-Lending Disclosure) to the Index.\nIntroductory APR: At our option, the initial APR on your Account for certain types of transactions may be a\ndiscounted APR (Introductory APR) that is lower than the APR that would ordinarily apply for that type of transaction.\nIf an Introductory APR applies to your Account, the Introductory APR and the period of time it will be effective are\nshown on the Truth-in-Lending Disclosure. After the Introductory APR period expires, the APR will automatically\nincrease to equal the Index in effect at the end of the Introductory APR period plus your margin.\nPromotional APR: At our option, special promotions may be offered from time to time. The specific terms will be\nprovided at the time of the offer. Generally, the promotional APR will only apply to select transactions (i.e., purchases\nand balance transfers) during the promotional period. The APR for all other transactions, not outlined in the promotion\nas eligible for the promotional APR, will remain unchanged.\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 3 of 8\n\n\x0cIf your required minimum payment is not received within 60 days of the due date, we may end your Introductory and\nPromotional APRs, including your promotional Balance Transfer APR, until six consecutive payments are made on\ntime.\nPenalty Annual Percentage Rate (APR): If you default on your Account for any of the following reasons, we may\nincrease the APR on the entire balance to the Penalty APR of 21.90% with a 45-day notice if:\n\xe2\x80\xa2\n\nYour Account is 60 days or more past due\n\n\xe2\x80\xa2\n\nYou make a payment that is returned\n\nThe Penalty APR may terminate if you make six consecutive minimum payments on time starting with your first\npayment due after the effective date of the Penalty APR. If you do not make these six consecutive minimum monthly\npayments on time, we may keep the Penalty APR on your Account indefinitely.\nLate Payment Fee: A late payment fee of the lesser of $15 or the minimum payment due on your Account will be\nadded to your balance if your required minimum payment is not received within 15 days after the due date.\nOther Fees: The fees associated with your Account are contained in the Disclosure accompanying this Agreement\nat the time your established the Account.\nThe following additional fees may be imposed:\n\xe2\x80\xa2\n\nCopy of Sales Draft or Transaction Receipt:\n\n$15.00\n\n\xe2\x80\xa2\n\nExpress Replacement Card:\n\n$25.00\n\n\xe2\x80\xa2\n\nSpecial Check Stop Payment:\n\n$30.00\n\n\xe2\x80\xa2\n\nReplacement Card:\n(waived for Capitol Club, Perfect Cents\nChecking and Prestige Checking)\n\n$10.00\n\nCredits: Merchants who honor your Card and give you credit for returns or adjustments will provide us with a credit\nwhich we will post to your Account. If your credits and payments exceed what you owe us, we will apply this credit\nbalance against future purchases and cash advances, or refund it upon your written request if it is $1 or more. Any\ncredit balance not cleared within 30 days will be transferred to your Share Savings Account.\nForeign Transactions: Purchases and cash advances made in foreign currencies will be charged to your Account\nin U.S dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is either a wholesale market rate or the government mandated rate in effect one day prior\nto the date processed by Visa. At the time of the conversion, the network processing the transaction may impose a\nfee for this service. You agree that the transaction amount as converted by the network may be charged to your\nAccount, as well as any conversion charges which are imposed.\nA fee, calculated in U.S. dollars, may be imposed on all foreign transactions, including purchases, cash advances\nand credits to your Account. A foreign transaction is any transaction that you complete or a merchant completes on\nyour Card outside the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The fee will equal that assessed by Visa International and will generally be 1% of the transaction\namount in U.S. dollars if your transaction is conducted in a foreign currency, or 0.80% of the transaction amount in\nU.S. dollars if your transaction is conducted in U.S. dollars outside the U.S. The foreign transaction fee will not exceed\n1% of the amount in U.S. dollars.\nSecurity Interest: Applicable to Platinum Secured, Platinum Rewards Secured, and Platinum Cash Rewards\nSecured Accounts only:\nIf you elect a Platinum Secured, Platinum Rewards Secured or Platinum Cash Rewards Secured Visa Account, you\nwill sign a separate Credit Card Security Agreement to pledge shares in an account at SAFE equal to at least 100%\nof your credit limit. You agree that we can take the pledged shares to recover any amount by which your Account is\ndelinquent. You will not be permitted to withdraw the pledged shares until your Account is closed and paid in full,\nunless we agree otherwise in writing. If we do inadvertently permit you to withdraw any portion of the pledged shares,\nyou will be deemed in default and we can declare your entire Account balance due and payable in full.\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 4 of 8\n\n\x0cSAFE Payment Protection: You understand that purchasing SAFE Payment Protection is optional and will not affect\nour decision whether to extend credit to you or, if so, on what terms. If you elect this product, you will sign a separate\ndocument that will disclose costs and terms to you. The monthly costs for SAFE Payment Protection will be added to\nyour Account balance and accrue interest until paid.\nDefault: You will be in default if:\n\xe2\x80\xa2\n\nYou fail to make any minimum payment within 15 days of the payment due date.\n\n\xe2\x80\xa2\n\nYou breach any material term of this Agreement or any other Agreement you have with SAFE.\n\n\xe2\x80\xa2\n\nYou become insolvent or the subject of a bankruptcy proceeding or we otherwise reasonably determine that\nour ability to collect what you owe is materially impaired.\n\n\xe2\x80\xa2\n\nYou die.\n\n\xe2\x80\xa2\n\nYou have made or do make any false or misleading statements in furnishing your financial information and\nother information to us.\n\nWe have the right to demand immediate payment in full of your Account if you default, subject to our giving you any\nnotice required by law. To the extent permitted by law, you will also be required to pay our collection expenses,\nincluding court costs and reasonable attorney fees. All interest and fees called for by this Agreement will continue to\naccrue after we declare your Account in default until all principal, interest, and fees you owe are paid in full.\nCredit Review: You authorize us to obtain and review your credit report when you applied for your Account. You\nauthorize us to periodically obtain and review your credit report in order to determine your continued eligibility for\ncredit. You authorize us to disclose information regarding your Account to credit bureaus and other creditors who\ninquire about your credit standing. As required by law, you are hereby notified that a negative credit report reflecting\non your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit\nobligations.\nJoint Credit: If you have applied for a joint Account, each joint applicant will remain jointly and severally liable for\nany credit extended pursuant to this Agreement. Either one of you may close the Account, but you will remain jointly\nand severally obligated to repay the entire balance that was outstanding as of the date we receive your notice to\nclose the Account.\nClosing Your Account: You may close your Account at any time by notifying us in writing. SAFE can close your\nAccount at any time for any lawful reason. Closing of your Account by you or SAFE will not affect your obligation to\npay all amounts owed plus any interest, fees or other charges lawfully assessed under this Agreement. We will not\napprove any transactions presented after we have knowledge that the Account is closed. Interest, fees, and collection\ncosts will continue to accrue after Account closing as called for by this Agreement unless prohibited by applicable\nlaw. If your Account is closed, any cash or point rewards you have earned will be forfeited.\nAccount Security: You agree to handle your Card and other devices (including mobile devices that include payment\napplications into which you have input Account information) with care. You agree to promptly report the loss or theft\nof, or actual or potential unauthorized access to, your Card, Account information or device that could be used to\ninitiate unauthorized transactions on your Account. Do not write your PIN number on your Card. Use passwords to\nminimize unauthorized risk of payment applications on your mobile devices.\nWe may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile\ndevice.\nLost/Stolen Cards and Unauthorized Use of Your Account: You are responsible for the security of the Card and\nother devices that can be used to access your Account and must maintain the confidentiality of the PIN we may\nassign you. You agree to notify us immediately of a lost or stolen Card or if you believe your Account has been or\nmay be used without your permission. You may notify us by calling (916) 979-7233 or (800) SEE-SAFE 7 days a\nweek, 24 hours a day. If you are on vacation or out of the country, Visa offers emergency card replacement service.\nFor a Visa emergency card replacement, call (800) VISA 911 (800-847-2911).\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 5 of 8\n\n\x0cIf your statement has an error or a charge you did not authorize, you must tell us in writing within 60 days after you\nget that statement. If your Card and/or Account is subject to unauthorized use, you agree to assist us in our\ninvestigation and obtain police reports, if filed. A signed statement may also be required.\nYou may be liable for the unauthorized use of your Card. You will have zero liability for unauthorized use that occurs\nafter you notify us of the loss, theft, or possible unauthorized use. You will have zero liability for unauthorized\ntransactions made with your Card, unless you are grossly negligent in handling your Card or make fraudulent use of\nyour Card. In any case, your liability will not exceed $50.\nTelephone Contact Consent: You agree that at all times you have a balance on this Account, you will provide us\nwith a telephone number at which you can be reached during business hours. By giving us or any third party acting\non our behalf any landline or wireless telephone number, you confirm that (a) you have the right to authorize us to\ncontact you at that number, and (b) we and any third party acting on our behalf have your permission to (i) contact\nyou at that number for any lawful reason, including but not limited to servicing and collecting your Account, by\ntelephone or text message using a live representative or automated dialing system and (ii) leave messages for you\nat that number using a live representative, prerecorded voice message, or text message. Your consent applies even\nthough the telephone service provider may charge fees for receiving calls or text messages. We will not be\nresponsible for any fees charged by your telephone service provider.\nCall Monitoring: You agree that we may monitor and record your phone calls with us and our affiliates, agents, and\ncontractors.\nNon-Waiver Provision: We can delay enforcing any of our rights under this Agreement without losing them. If any\nterms of this Agreement are found to be unenforceable, all other provisions will remain in full force.\nApplicable Law: This Agreement and your Account, as well as our rights and duties regarding this Agreement and\nyour Account, shall be governed by and interpreted in accordance with applicable federal law, including but not limited\nto Consumer Financial Protection Bureau Regulation Z and the laws of the State of California.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 6 of 8\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do if You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nSAFE Credit Union\nCard Services\n2295 Iron Point Road, Suite 100\nFolsom CA 95630-8765\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin sixty (60) days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least three (3) business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if\nwe have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related\nto that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the amount we think you owe.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 7 of 8\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us\nthat you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must\nlet those organizations know when the matter has been settled between us.\nIf 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\nyour bill is correct.\nYour Rights if You Are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due\non the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM\nor with a check or device that accesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nSAFE Credit Union\nCard Services\n2295 Iron Point Road, Suite 100\nFolsom CA 95630-8765\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 8 of 8\n\n\x0c'


b'SAFE Platinum Rewards Visa\xc2\xae Credit Card\nPRICING INFORMATION\nVariable rates are based on the Prime Rate as of\nFebruary 1, 2021.\n\n(APR = Annual Percentage Rate)\n(MPR = Monthly Periodic Rate)\n\nAnnual Percentage Rate (APR) for Purchases\nRates based on the Prime Rate\n\nPrime + 6.74% to Prime + 13.24%\n(APR) 9.99% to 16.49%\n\n(MPR) 0.833% to 1.374%\nAnnual Percentage Rate (APR) for Balance\nTransfers and Cash Advances\n\nPrime + 6.74% to Prime + 13.24%\n(APR) 9.99% to 16.49%\n(MPR) 0.833% to 1.374%\n\nMinimum Interest Charge\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advance % of Transaction\nForeign Transaction\n\nNone\n3% (min: $10 to max: uncapped)\nNone\n\nAccount Fees\nAnnual\nLate Payment\nReturned Payment\n\nNone\n$15 or minimum payment amount,\nwhichever is less\nUp to $10\n\nVariable Rate Information\n\nVariable Rates are calculated by adding together an index and a margin. This index is the Prime Rate as\npublished in the Wall Street Journal on the 15th of each month. An increase or decrease in the index will\ncause a corresponding increase or decrease in your variable rates on the first day of your billing cycle\nthat begins in the same month in which the index is published. An increase in the index means that you\nwill pay higher interest charges and have a higher Total Minimum Payment Due.\n\nInterest Rate Adjustment\n\nAn interest rate adjustment will occur when your account is 60 days or more past due. If your account is\n60 days past due, the interest rate for existing and new balances will be increased to an ANNUAL\nPERCENTAGE RATE of 21.90%. This interest rate increase will be effective beginning after 45-day\nnotice is provided to you. The interest rate adjustment will terminate if you make the required minimum\npayments for six consecutive months.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances and balance transfers as of the transaction date.\n\nBalance Subject to Interest Rate\n\nAverage Daily Balance Method (including new Purchases):\nWe figure the interest charge on your account by applying the periodic rate to the "average daily balance"\nof your account. To get the "average daily balance" we take the beginning balance of your account each\nday, add any new purchases, advances and fees, and subtract any unpaid interest or other finance\ncharges and any payments or credits. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us\nthe "average daily balance."\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1509 02/01/2021\n\n\x0cCredit Card Agreement and\nTruth-in-Lending Disclosure\nIn this Agreement, the words you and your mean each and all of those who are approved for the credit card account.\nCard means the Visa Credit Card and any duplicates and renewals we issue. Account means your open-end credit\ncard Account with us, whether the Account is accessed using a Card, the number embossed on the Card, special\nchecks we may issue that allow you to access the Account, or other devices such as mobile apps that allow you to\ninitiate credit transactions to the Account. We, us, and ours mean SAFE Credit Union (\xe2\x80\x9cSAFE\xe2\x80\x9d).\nThis agreement applies to SAFE Platinum Visa Credit Card, SAFE Platinum Rewards Visa Credit Card, SAFE\nPlatinum Cash Rewards Visa Credit Card, SAFE Platinum Secured Visa Credit Card, SAFE Platinum Rewards\nSecured Visa Credit Card, and SAFE Platinum Cash Rewards Secured Visa Credit Card.\nAgreement: By applying for, using, or permitting others to use the Card or Account, you agree to the terms and\nconditions contained in this Agreement. If you do not agree to these terms and conditions, DO NOT USE the Card\nand notify us immediately that you wish to cancel your Account.\nUsing Your Account: You can use your Account in the following ways. Other methods of accessing your Account\nfor transactions may become available in the future.\n(a) You can present your Card or Card number to initiate purchase and cash advance transactions with\nmerchants and others who honor Visa cards. For remote transactions such as purchases made over the\ntelephone or online, you may need to provide the Card expiration date and security code. If you give your\nAccount information to a third party to authorize recurring payments, such as gym membership dues, you\nmust notify the third party when you revoke your authorization.\n(b) You can input your Account information into mobile payment applications, such as Apple Pay\xc2\xae and Android\nPay\xe2\x84\xa2, on mobile devices and use those payment applications to initiate payments. These payments will be\ntreated as purchases for purposes of accrual of interest on your Account balance.\n(c) You can write special checks we may, from time to time, issue on your Account to any lawful payee. Use of\nspecial checks will be treated as cash advances for purposes of accrual of interest on your Account balance.\nThe following rules apply to use of special checks: (i) You can stop payment on a special check if you submit\na stop payment request to us at least 24 hours before the check is presented to us for payment by the payee.\nYou must give us the Account number, special check number, and exact amount of the check. If this\ninformation is not absolutely accurate, we will not be liable for failure to stop the payment because our\nautomated payment system may not be able to find the check. (ii) The fee for stopping payment on a special\ncheck is the same as for stopping payment on a SAFE check (share draft). Please refer to the SAFE Fee\nSchedule. (iii) We operate in an automated processing environment and do not physically examine signatures\non special checks. You must report any unauthorized special check no later than 60 days after the first billing\nstatement on which it appears, or we will not be responsible for any loss resulting from payment of the check.\n(iv) Merchants may convert special checks you write to electronic (automated clearinghouse/ACH) payments;\nfor example: special checks you write to pay bills (ARC [accounts receivable] entries) or to pay merchants\nfor goods or services (POP [point-of-purchase] entries and BOC [back office conversion entries]). Payees\nand merchants who may convert your special checks to ACH entries are required to notify you in writing that\nthey may do so. Your rights and responsibilities with respect to all ACH entries are governed by California\nlaw, Consumer Financial Protection Bureau, Regulation E, and ACH rules.\n(d) You can use your Card and PIN at SAFE ATMs and other ATMs that honor Visa Cards to obtain a cash\nadvance. Cash advance fees apply to the use of your Card at ATMs. In addition, if you use an ATM that is\nnot operated by SAFE, that ATM operator may charge a fee for use of their ATM, which they are required by\nlaw to disclose to you before you become obligated to pay. The following rules apply to ATM cash advances\nusing your Visa Card: (i) The amount of cash you can obtain may be limited by your available credit or limits\nset by the operator of the ATM you are using. (ii) We will not be liable to you if the transaction is declined due\nto you not having sufficient available credit, the ATM you were using was not working properly, your Card or\nPIN is subject to a block, or circumstances beyond our control such as fire, flood, or failure of a central\nprocessing facility. (iii) Use common sense and reasonable care in using ATMs, especially at night. We\ncannot guarantee the safety of any ATM location.\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 1 of 8\n\n\x0c(e) Certain types of transactions may be coded as cash advances by the merchant to which you present your\nCard or Account number. We will treat these transactions as cash advances for purposes of accrual of interest\non your Account balance. Examples of such transactions include, but are not limited to, (i) wire transfers, (ii)\nmoney order purchases, (iii) bets, (iv) lottery tickets, and (v) casino gaming chips.\nOur Right to Refuse to Honor Transactions: We may refuse to honor transactions initiated on your Account for\nany lawful reason, including but not limited to the following: (a) you are in default on the Account or any other\nobligation you have to SAFE, (b) a merchant hold causes you to reach or exceed your credit limit or the transaction\nwould otherwise cause you to exceed your credit limit, or (c) we reasonably suspect the transaction is illegal or\nfraudulent. If we detect unusual or suspicious activity, we may decline to authorize a transaction or suspend access\nto your Account until we can verify that the suspicious transaction is authorized. If you plan to travel or make large\npurchases, the risk that your transaction will be declined may be reduced if you notify us of your plans in advance.\nProhibition Against Illegal Transactions: You agree you will not use or permit others to use the Card or Account\nfor transactions that violate applicable laws or regulations. For example, you will not use or permit use of the Card\nfor illegal online gambling. By initiating or allowing others to initiate a transaction using the Card or Account, you\nwarrant to us that the transaction is lawful. We have the right, but not the obligation, to refuse to honor any transaction\nwe reasonably believe to be illegal. You cannot use the actual or alleged illegality of an authorized transaction as a\ndefense to your obligation to pay what you owe. You agree that you will at your sole cost defend, indemnify and hold\nSAFE harmless from any claim to which we become subject as a result of the use of your Account for actual or\nalleged illegal transactions.\nHonest Dealing: You agree to promptly notify us any changes in your name, address, e-mail address, or telephone\nnumbers(s). You may notify us through SAFE Online Banking, write to us separately, call us, or complete the\nAddress/Phone Number Change section provided on your monthly statement. You agree that SAFE can correct\nclerical errors, including but not limited to errors in rates and fees quoted to you, provided we do so in good faith.\nCredit Limit: We will set your credit limit based on our evaluation of your creditworthiness and our policies. In some\ncases, the assessment of interest or fees may cause your Account balance to exceed your credit limit. You agree to\nrepay any amount by which your Account balance exceeds your credit limit immediately upon our demand. We may\nchange your credit limit or terminate your Account based on a variety of factors, such as your payment and transaction\nhistory with us and information we receive from third parties, including credit reporting agencies. You may request an\nincrease in your credit limit by submitting an application.\nChanges in Terms: We reserve the right to make changes to this Agreement from time to time by sending you any\nadvance written notice required by law and subject to legal requirements. Changes may include, but are not\nnecessarily limited to, changes in the interest rate, fees, and other terms. By keeping the Account open after the\neffective date of the changes, you consent to the changes. You agree that if we change your Card and/or Account\nnumber in connection with a Card reissue, replacement of a lost or stolen Card or other permissible reason, we have\npermission to notify Visa. For participating merchants, the Visa Account Updater service will automatically update\nyour Card and Account number so that any transactions you have already authorized and payment services to which\nyou have linked your Account (for example PayPal or Apple Pay) will continue uninterrupted.\nResponsibility for Payment: You agree to repay purchases, balance transfers, and cash advances initiated by\nyou or any person to whom you have given permission to use the Account plus associated interest and fees. By\nmaking your Card, Card number, or any other access device available to a person, you are making that person a\nPermissive User of your Account and he/she can initiate any transaction you could initiate yourself, even if it exceeds\nthe scope of your permission. If you submit an authenticated written request to issue a Card to a person other than\nyourself, we will issue the Card per your request and that person will become an Authorized Cardholder of your\nAccount. You are responsible for repayment of all transactions initiated by Permissive Users and Authorized\nCardholders plus associated interest and fees. We are not subject to agreements between you and Permissive Users\nor Authorized Cardholders limiting their use of your Card or the Account unless we have agreed in writing to establish\na limit on an Authorized Cardholder\xe2\x80\x99s Card that is lower than the limit on the Account. Your obligation to pay the\nAccount balance continues even though an agreement, divorce decree, or other court judgment to which we are not\na party may direct you or one of the other persons responsible to pay the Account. We reserve the right to decline\nto issue Authorized Cardholder Cards for any lawful reason. If you want to terminate an Authorized Cardholder\xe2\x80\x99s\nuse of the Account, you must notify us in writing. You will remain responsible for all of the Authorized\nCardholder\xe2\x80\x99s transactions initiated prior to our receipt of your written notice.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 2 of 8\n\n\x0cPayments: Each month you must pay at least the minimum payment shown on your statement by the date specified\non the statement. Payments must be made in U.S dollars using payment instruments drawn on U.S. financial\ninstitutions. You may pay more frequently, pay more than the minimum payment, or pay the total new balance in full.\nIf you make extra or larger payments than the minimum payment, you are still required to make at least the minimum\npayment each month your Account has a balance (other than a credit balance). The minimum payment will either be\n2% of the new balance on the date of cycle closing or $10, whichever is greater. If the new balance is less than $10,\nyou only pay that amount. In addition to the minimum payment due, you agree to pay any amount which is past due\nor over limit immediately.\nPayments will be applied as follows: We will apply your payments first to finance charges (which include interest,\ncash advance and balance transfer fees, and foreign transaction fees), then to late fees (if any), and then to the\nprincipal balance. If your account has balances with different APRs, we will allocate the amount of your payment\nequal to the minimum payment due to the lowest APR balances first. Payment amounts in excess of your minimum\npayment due will be applied to balances with higher APRs before balances with lower APRs.\nAll payments will be posted to your Account as of the date we receive them, provided we receive them before close\nof business on any business day. Payments received after the close of business on any business day will be credited\non the next business day. If a non-cash payment instrument presented for payment on your Account is returned\nunpaid, we reserve the right to charge interest on the Account retroactively to the date on which we credited the\nreturned payment. All non-cash payments are subject to verification and collection by us. We reserve the right to\ndelay restoration of your Credit Limit for the maximum time allowed by law.\nStatements: You will receive a billing statement each month there is a balance on your Account for the amounts due\nunder this Agreement. If you elect to receive your billing statement electronically, you will receive an email notification\nalerting you when your eStatement is ready to view online. Failure to receive a billing statement or email notification\ndoes not relieve you from making any required minimum payment. To receive your monthly statement electronically,\nyou can enroll in eStatements through SAFE Online Banking.\nInterest Charges: You have a grace period of 25 days from the statement date to pay your statement balance in full\nbefore interest is assessed on the purchase balance. If you do not pay your statement balance in full by the payment\ndue date, you will be charged interest on the then outstanding purchase balance and on future purchases from the\ntransaction date. We will begin charging interest on cash advances and balance transfers as of the transaction date.\nWe figure the interest charge on your Account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\nAccount. The periodic rate is 1/12 of the Annual Percentage Rate assigned to your Account. To get the \xe2\x80\x9caverage\ndaily balance,\xe2\x80\x9d we take the beginning balance of your Account each day, add any new purchases, advances and\nfees, and subtract any unpaid interest and other finance charges and any payments or credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9caverage daily balance."\nInterest Rate Information: The Annual Percentage Rates (APRs) applicable to purchases, cash advances, and\nbalance transfers that will apply to your Account, along with information about how your variable APR will be\ncalculated and fee information, were disclosed to you in the Truth-in-Lending Disclosure provided to you with this\nAgreement when you opened this Account. Variable APRs may change monthly at the beginning of each billing cycle\nbased on the movements of the Index. The Index is the prime rate correctly published in the Wall Street Journal,\nWestern Edition, on the 15th calendar day of the month prior to the rate adjustment. If the 15th day of the month is not\na business day, the prime rate published on the next business day will be used. Your variable APR will be determined\nby adding the margin assigned to your Account (also disclosed to you in the Truth-in-Lending Disclosure) to the Index.\nIntroductory APR: At our option, the initial APR on your Account for certain types of transactions may be a\ndiscounted APR (Introductory APR) that is lower than the APR that would ordinarily apply for that type of transaction.\nIf an Introductory APR applies to your Account, the Introductory APR and the period of time it will be effective are\nshown on the Truth-in-Lending Disclosure. After the Introductory APR period expires, the APR will automatically\nincrease to equal the Index in effect at the end of the Introductory APR period plus your margin.\nPromotional APR: At our option, special promotions may be offered from time to time. The specific terms will be\nprovided at the time of the offer. Generally, the promotional APR will only apply to select transactions (i.e., purchases\nand balance transfers) during the promotional period. The APR for all other transactions, not outlined in the promotion\nas eligible for the promotional APR, will remain unchanged.\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 3 of 8\n\n\x0cIf your required minimum payment is not received within 60 days of the due date, we may end your Introductory and\nPromotional APRs, including your promotional Balance Transfer APR, until six consecutive payments are made on\ntime.\nPenalty Annual Percentage Rate (APR): If you default on your Account for any of the following reasons, we may\nincrease the APR on the entire balance to the Penalty APR of 21.90% with a 45-day notice if:\n\xe2\x80\xa2\n\nYour Account is 60 days or more past due\n\n\xe2\x80\xa2\n\nYou make a payment that is returned\n\nThe Penalty APR may terminate if you make six consecutive minimum payments on time starting with your first\npayment due after the effective date of the Penalty APR. If you do not make these six consecutive minimum monthly\npayments on time, we may keep the Penalty APR on your Account indefinitely.\nLate Payment Fee: A late payment fee of the lesser of $15 or the minimum payment due on your Account will be\nadded to your balance if your required minimum payment is not received within 15 days after the due date.\nOther Fees: The fees associated with your Account are contained in the Disclosure accompanying this Agreement\nat the time your established the Account.\nThe following additional fees may be imposed:\n\xe2\x80\xa2\n\nCopy of Sales Draft or Transaction Receipt:\n\n$15.00\n\n\xe2\x80\xa2\n\nExpress Replacement Card:\n\n$25.00\n\n\xe2\x80\xa2\n\nSpecial Check Stop Payment:\n\n$30.00\n\n\xe2\x80\xa2\n\nReplacement Card:\n(waived for Capitol Club, Perfect Cents\nChecking and Prestige Checking)\n\n$10.00\n\nCredits: Merchants who honor your Card and give you credit for returns or adjustments will provide us with a credit\nwhich we will post to your Account. If your credits and payments exceed what you owe us, we will apply this credit\nbalance against future purchases and cash advances, or refund it upon your written request if it is $1 or more. Any\ncredit balance not cleared within 30 days will be transferred to your Share Savings Account.\nForeign Transactions: Purchases and cash advances made in foreign currencies will be charged to your Account\nin U.S dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is either a wholesale market rate or the government mandated rate in effect one day prior\nto the date processed by Visa. At the time of the conversion, the network processing the transaction may impose a\nfee for this service. You agree that the transaction amount as converted by the network may be charged to your\nAccount, as well as any conversion charges which are imposed.\nA fee, calculated in U.S. dollars, may be imposed on all foreign transactions, including purchases, cash advances\nand credits to your Account. A foreign transaction is any transaction that you complete or a merchant completes on\nyour Card outside the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The fee will equal that assessed by Visa International and will generally be 1% of the transaction\namount in U.S. dollars if your transaction is conducted in a foreign currency, or 0.80% of the transaction amount in\nU.S. dollars if your transaction is conducted in U.S. dollars outside the U.S. The foreign transaction fee will not exceed\n1% of the amount in U.S. dollars.\nSecurity Interest: Applicable to Platinum Secured, Platinum Rewards Secured, and Platinum Cash Rewards\nSecured Accounts only:\nIf you elect a Platinum Secured, Platinum Rewards Secured or Platinum Cash Rewards Secured Visa Account, you\nwill sign a separate Credit Card Security Agreement to pledge shares in an account at SAFE equal to at least 100%\nof your credit limit. You agree that we can take the pledged shares to recover any amount by which your Account is\ndelinquent. You will not be permitted to withdraw the pledged shares until your Account is closed and paid in full,\nunless we agree otherwise in writing. If we do inadvertently permit you to withdraw any portion of the pledged shares,\nyou will be deemed in default and we can declare your entire Account balance due and payable in full.\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 4 of 8\n\n\x0cSAFE Payment Protection: You understand that purchasing SAFE Payment Protection is optional and will not affect\nour decision whether to extend credit to you or, if so, on what terms. If you elect this product, you will sign a separate\ndocument that will disclose costs and terms to you. The monthly costs for SAFE Payment Protection will be added to\nyour Account balance and accrue interest until paid.\nDefault: You will be in default if:\n\xe2\x80\xa2\n\nYou fail to make any minimum payment within 15 days of the payment due date.\n\n\xe2\x80\xa2\n\nYou breach any material term of this Agreement or any other Agreement you have with SAFE.\n\n\xe2\x80\xa2\n\nYou become insolvent or the subject of a bankruptcy proceeding or we otherwise reasonably determine that\nour ability to collect what you owe is materially impaired.\n\n\xe2\x80\xa2\n\nYou die.\n\n\xe2\x80\xa2\n\nYou have made or do make any false or misleading statements in furnishing your financial information and\nother information to us.\n\nWe have the right to demand immediate payment in full of your Account if you default, subject to our giving you any\nnotice required by law. To the extent permitted by law, you will also be required to pay our collection expenses,\nincluding court costs and reasonable attorney fees. All interest and fees called for by this Agreement will continue to\naccrue after we declare your Account in default until all principal, interest, and fees you owe are paid in full.\nCredit Review: You authorize us to obtain and review your credit report when you applied for your Account. You\nauthorize us to periodically obtain and review your credit report in order to determine your continued eligibility for\ncredit. You authorize us to disclose information regarding your Account to credit bureaus and other creditors who\ninquire about your credit standing. As required by law, you are hereby notified that a negative credit report reflecting\non your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit\nobligations.\nJoint Credit: If you have applied for a joint Account, each joint applicant will remain jointly and severally liable for\nany credit extended pursuant to this Agreement. Either one of you may close the Account, but you will remain jointly\nand severally obligated to repay the entire balance that was outstanding as of the date we receive your notice to\nclose the Account.\nClosing Your Account: You may close your Account at any time by notifying us in writing. SAFE can close your\nAccount at any time for any lawful reason. Closing of your Account by you or SAFE will not affect your obligation to\npay all amounts owed plus any interest, fees or other charges lawfully assessed under this Agreement. We will not\napprove any transactions presented after we have knowledge that the Account is closed. Interest, fees, and collection\ncosts will continue to accrue after Account closing as called for by this Agreement unless prohibited by applicable\nlaw. If your Account is closed, any cash or point rewards you have earned will be forfeited.\nAccount Security: You agree to handle your Card and other devices (including mobile devices that include payment\napplications into which you have input Account information) with care. You agree to promptly report the loss or theft\nof, or actual or potential unauthorized access to, your Card, Account information or device that could be used to\ninitiate unauthorized transactions on your Account. Do not write your PIN number on your Card. Use passwords to\nminimize unauthorized risk of payment applications on your mobile devices.\nWe may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile\ndevice.\nLost/Stolen Cards and Unauthorized Use of Your Account: You are responsible for the security of the Card and\nother devices that can be used to access your Account and must maintain the confidentiality of the PIN we may\nassign you. You agree to notify us immediately of a lost or stolen Card or if you believe your Account has been or\nmay be used without your permission. You may notify us by calling (916) 979-7233 or (800) SEE-SAFE 7 days a\nweek, 24 hours a day. If you are on vacation or out of the country, Visa offers emergency card replacement service.\nFor a Visa emergency card replacement, call (800) VISA 911 (800-847-2911).\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 5 of 8\n\n\x0cIf your statement has an error or a charge you did not authorize, you must tell us in writing within 60 days after you\nget that statement. If your Card and/or Account is subject to unauthorized use, you agree to assist us in our\ninvestigation and obtain police reports, if filed. A signed statement may also be required.\nYou may be liable for the unauthorized use of your Card. You will have zero liability for unauthorized use that occurs\nafter you notify us of the loss, theft, or possible unauthorized use. You will have zero liability for unauthorized\ntransactions made with your Card, unless you are grossly negligent in handling your Card or make fraudulent use of\nyour Card. In any case, your liability will not exceed $50.\nTelephone Contact Consent: You agree that at all times you have a balance on this Account, you will provide us\nwith a telephone number at which you can be reached during business hours. By giving us or any third party acting\non our behalf any landline or wireless telephone number, you confirm that (a) you have the right to authorize us to\ncontact you at that number, and (b) we and any third party acting on our behalf have your permission to (i) contact\nyou at that number for any lawful reason, including but not limited to servicing and collecting your Account, by\ntelephone or text message using a live representative or automated dialing system and (ii) leave messages for you\nat that number using a live representative, prerecorded voice message, or text message. Your consent applies even\nthough the telephone service provider may charge fees for receiving calls or text messages. We will not be\nresponsible for any fees charged by your telephone service provider.\nCall Monitoring: You agree that we may monitor and record your phone calls with us and our affiliates, agents, and\ncontractors.\nNon-Waiver Provision: We can delay enforcing any of our rights under this Agreement without losing them. If any\nterms of this Agreement are found to be unenforceable, all other provisions will remain in full force.\nApplicable Law: This Agreement and your Account, as well as our rights and duties regarding this Agreement and\nyour Account, shall be governed by and interpreted in accordance with applicable federal law, including but not limited\nto Consumer Financial Protection Bureau Regulation Z and the laws of the State of California.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 6 of 8\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat to Do if You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nSAFE Credit Union\nCard Services\n2295 Iron Point Road, Suite 100\nFolsom CA 95630-8765\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2\n\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\nWithin sixty (60) days after the error appeared on your statement.\n\n\xe2\x80\xa2\n\nAt least three (3) business days before an automated payment is scheduled, if you want to stop payment\non the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if\nwe have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related\nto that amount.\n\n\xe2\x80\xa2\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the amount we think you owe.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 7 of 8\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us\nthat you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must\nlet those organizations know when the matter has been settled between us.\nIf 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\nyour bill is correct.\nYour Rights if You Are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due\non the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address,\nand the purchase price must have been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM\nor with a check or device that accesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nSAFE Credit Union\nCard Services\n2295 Iron Point Road, Suite 100\nFolsom CA 95630-8765\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n\n2295 Iron Point Road, Suite 100, Folsom CA 95630-8765 \xe2\x8b\x85 (916) 979-7233 \xe2\x8b\x85 (800) SEE-SAFE \xe2\x8b\x85 www.safecu.org\nS-1455 08/01/2019\n\nPage 8 of 8\n\n\x0c'


b'Important Terms and Conditions\nVisa\xc2\xae Platinum Rewards and Visa Business Credit Cards\n\nEffective\nMarch 17th, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPRs for Balance Transfers\n\n9.90% - 15.65% APR*\n\nThis APR will vary with the market based on the Wall Street Journal\xe2\x80\x99s Highest\nPublished Prime.\n\n9.90% - 15.65% APR*\n\nThis APR will vary with the market based on the Wall Street Journal\xe2\x80\x99s Highest\nPublished Prime.\n\nAPRs for Cash Advances\n\n9.90% - 15.65% APR*\n\nThis APR will vary with the market based on the Wall Street Journal\xe2\x80\x99s Highest\nPublished Prime.\n\nPenalty APR and When it Applies\nMinimum Interest Charge\nHow to Avoid Paying Interest on\nPurchases\nCredit Card Tips from the Consumer\nFinancial Protection Bureau\n\nNone\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\nNone\nUp to $25\nNone\nUp to $25\n\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nSee cardholder agreement for complete details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n*Your\n\nstandard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The\nPrime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and\nOctober) and changes are effective as the first day of your next billing cycle. Current rate as of March 17th, 2020.\nSee cardholder agreement for complete details.\n\nTruStoneFinancial.org | 763.544.1517 | 800.862.1998\n\n\x0c'


b'Important Terms and Conditions\nVisa\xc2\xae Platinum Credit Card\n\nEffective\nMarch 17th , 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\nAPRs for Balance Transfers\n\n8.90% - 15.65% APR*\n\nThis APR will vary with the market based on the Wall Street Journal\xe2\x80\x99s Highest\nPublished Prime.\n\n8.90% - 15.65% APR*\n\nThis APR will vary with the market based on the Wall Street Journal\xe2\x80\x99s Highest\nPublished Prime.\n\nAPRs for Cash Advances\n\n8.90% - 15.65% APR*\n\nThis APR will vary with the market based on the Wall Street Journal\xe2\x80\x99s Highest\nPublished Prime.\n\nPenalty APR and When it Applies\nMinimum Interest Charge\nHow to Avoid Paying Interest on\nPurchases\nCredit Card Tips from the Consumer\nFinancial Protection Bureau\n\nNone\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\nNone\nUp to $25\nNone\nUp to $25\n\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nSee cardholder agreement for complete details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account\nagreement.\n*Your\n\nstandard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The\nPrime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and\nOctober) and changes are effective as the first day of your next billing cycle. Current rate as of March 17th, 2020.\nSee cardholder agreement for complete details.\n\nTruStoneFinancial.org | 763.544.1517 | 800.862.1998\n\n\x0c'