b'CCCOR\n\nVisa Platinum Rewards\nCredit Card Disclosures\n\nF EDERAL CREDIT UNION\n\nEffective April 2, 2020\n\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n0.00% introductory rate for the first 12 billing cycles after a new account is opened.\nOn the first day after 12 billing cycles from account opening, your APR will revert to your\napproved rate, which will vary with the market based on the Wall Street Journal prime rate.\nRates range from 8.99%-18.00%* based on credit worthiness and prime rate.\n\nAPR for Balance\nTransfers\n\n1.99% introductory rate on balance transfers for the first 12 billing cycles after a new\naccount is opened.\nOn the first day after 12 billing cycles from account opening, your APR will revert to your\napproved rate, which will vary with the market based on the Wall Street Journal prime rate.\nRates range from 8.99%-18.00%* based on credit worthiness and prime rate.\n\nAPR for Cash Advances\n\nThe APR for cash advances is 8.99%-18.00%*\nThis APR will vary with the market based on the Wall Street Journal prime rate and is\nbased on credit worthiness at the time of account opening.\n\nPenalty APR and When\nIt Applies\n\nThe penalty APR is 18.00%. This APR may be applied to your account if you:\n(1) Make a Late Payment\n(2) Go Over Your Credit Limit\n(3) Make a Payment that is Returned; or\n(4) Do any of the above on Another Account You have with Us.\nHow Long will the Penalty APR Apply? If your APRs are increased for any of these\nreasons, the Penalty APR will apply until you make 6 consecutive minimum payments\nwhen due; and you do not again default on these conditions during this time.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases or cash advances if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances and balance transfers\non the transaction date.\n\nMinimum Interest\nPayment\n\nIf you are charged interest, the charge will be no less than $0.01.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at:\nhttp://consumerfinance.gov/learnmore.\n\nSEE PAGE TWO FOR MORE IMPORTANT INFORMATION ABOUT YOUR ACCOUNT\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n00029\nRev. 04.02.2020\nPage 1 of 12\n\n\x0cCCCOR\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\nBalance Transfer Fee: 2% of each advance with $10.00 minimum\nExpress Card Fee: $25.00\nReceipt Copy: $2.00 per receipt\nLost or Stolen Card Replacement: $15.00\nStatements: $2.00 per statement\nCash Advance Fee: 2% of each advance with $10.00 minimum\nForeign Transaction Fee: 1% of each international transaction in US Dollars\nResearch Fee: $10.00 per hour (2-hour minimum)\nPay by Phone: $5.00\n\nPenalty Fees\n\nLate Payment Fee: up to $38.00 applied on any portion past due 3 days after due date\nOver-the-Credit Limit Fee: $0.00\nReturned Payment Fee: $25.00\n\n*APR applicable to your account is determined by your credit worthiness based on your Equifax Beacon Score at the time\nof application. Variable Rate Feature: The Visa credit cards have a variable rate feature, meaning that the APR\n(corresponding to the periodic rate) and the term of your Visa loan may change due to interest rate fluctuations. The APR\nincludes only interest and no other costs. Changes in prime rate will cause changes in the APR as of the first day of your\naccount\'s billing cycle following an index change. In no case shall any APR be less than 8.99% or higher than 18.00%\nregardless of the applicable index and margin, unless specifically applicable laws and/or regulations require we use a lower\nAPR.\nMonthly\nPeriodic\nRate\n0.7491%\n1.50%*\n0.00%\n\nAnnual\nPercentage\nRate*\n8.99%\n18.00%*\n0.00%1\n\nMinimum Payment\n\nMonthly\nPeriodic Rate\n\nTier\n\nAnnual\nMinimum\nPercentage\nPayment\nRate*\n2.0% of balance or\nShaded boxes represent promotional rates for the first 12\n$25 minimum\nmonths of newly opened accounts\n2.0% of balance or\n0.005452%\n1.99%2\n2.0% of balance\n$25 minimum\nor $25 minimum\n1\nIntroductory rate offered on purchases for the first 12 billing cycles a new account is open.\n2\nIntroductory rate offered on balance transfers for the first 12 billing cycles a new account is open.\n1&2\nBeginning on the first day of the 12 billing cycles after the account has been open, purchases and cash advances will\nbe subject to the approved interest rate and any changes based on Wall Street Journal prime disclosed at account opening.\nHow we will calculate Your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including new purchases\xe2\x80\x9d).\nSee your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\nSecurity Interest: The credit union will acquire a security interest in the property purchased with your credit card;\nand collateral securing other loans with us may also secure this account. Also, you are giving us a security interest\nin all individual and joint share and/or deposits accounts you have with us now or in the future.\nThe information about the costs of the card described in this application is accurate as of April 2, 2020. This\ninformation may have changed after that date. To find out what may have changed, call 800-763-8600 or 803-4698600, visit SAFEFED.ORG, or write SAFE Federal Credit Union, P. O. Box 2008, Sumter, SC 29151-2008.\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n00029\nRev. 04.02.2020\nPage 2 of 12\n\n\x0cCCCOR\n\nPlease keep this Addendum as it is incorporated into and becomes a part of your LOANLINER\xc2\xae Open-End Plan.\n\nCREDIT CARD AGREEMENT AND DISCLOSURES\nVisa\xc2\xae Platinum Rewards\nTHIS IS YOUR AGREEMENT AND DISCLOSURE\nSTATEMENT WITH SAFE FEDERAL CREDIT UNION.\nPLEASE READ IT CAREFULLY AND KEEP IT FOR\nYOUR RECORDS. IT SUPERSEDES ALL PRIOR\nAGREEMENTS AND DISCLOSURE STATEMENTS\nRELATING TO YOUR ACCOUNT. YOU DO NOT HAVE\nTO SIGN THIS AGREEMENT. YOUR AGREEMENT TO\nALL OF THESE PROVISIONS, AS AMENDED FROM\nTIME TO TIME INCLUDING THE CARD ISSUED BY US,\nWILL BE SHOWN BY YOUR APPLICATION FOR THE\nCARD, YOUR ACCEPTANCE OF THE CARD, OR\nYOUR USE OF THE CARD, WHICHEVER OCCURS\nFIRST.\nTHIS AGREEMENT IS SUBJECT TO BINDING\nMANDATORY ARBITRATION AS SET FORTH IN\nYOUR MEMBERSHIP ACCOUNT AGREEMENT\nAND\nDISCLOSURES.\nTHIS\nARBITRATION\nPROVISION SUBSTANTIALLY LIMITS YOUR\nRIGHT TO BRING A LEGAL ACTION IN A JUDICIAL\nFORUM (EXCEPT FOR MATTERS THAT MAY BE\nBROUGHT IN SMALL CLAIMS COURT AS SET\nFORTH IN THIS AGREEMENT. SEE YOUR\nMEMBERSHIP\nAGREEMENT\nWHICH\nIS\nINCORPORATED HEREIN BY REFERENCE FOR\nCOMPLETE DETAILS.\n1. DEFINITIONS USED TO UNDERSTAND YOUR\nAGREEMENT WITH US\nIn this Agreement, the word "Card" means either one or\nmore Visa credit cards and any duplicates, renewals or\nsubstitutions we issue. The words, "you," "your," and\n"yours" mean all cardholders (borrowers and coborrowers); anyone any cardholder permits to use the\nCard(s); as well as any authorized user for whom an\nadditional Card(s) is issued to the extent of their\npurchases and cash advances, as well as transactions by\nanyone they permit to use the Card(s). The word\n"cardholder" means any applicant or co-applicant to\nwhom a Card is issued by us. The words "Credit Union,"\n"we," "us," and "our" mean SAFE Federal Credit Union.\nThe words "Convenience Checks" mean one or more\nchecks that we may send to you to access your Credit\nCard Account. \xe2\x80\x9cApplicable Law\xe2\x80\x9d shall include: \xe2\x80\x9c(i) Visa\nU.S.A. Inc. Bylaws, Visa U.S.A. Inc. Operating\nRegulations, Visa U.S.A. Inc. Certificate of Incorporation,\nVisa International Bylaws, and Visa International\nOperating Regulations; and (ii) any and all laws, treaties,\nrules, regulations, or regulatory guidance of the\ngovernment of the United States, any state thereof, or of\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\nany applicable foreign government or state thereof, as the\nsame may be amended and in effect from time to time.\n2. YOUR PLEDGE OF SHARES AND SECURITY\nINTEREST FOR YOUR LOAN ADVANCES\nBY SIGNING AN APPLICATION, ACCEPTANCE\nOR AUTHORIZED USE OF ANY CREDIT CARDS,\nYOU GRANT AND PLEDGE A CONSENSUAL LIEN\nTO US ON ALL SHARES TO SECURE PAYMENT\nOF YOUR OBLIGATIONS ON THIS ACCOUNT. IN\nADDITION,\nYOU\nACKNOWLEDGE\nOUR\nSTATUTORY LIEN RIGHTS UNDER THE\nFEDERAL CREDIT UNION ACT; YOU AGREE\nTHAT SUCH A LIEN IS IMPRESSED AS OF THE\nDATE THAT THIS ACCOUNT IS OPENED; AND\nYOU AGREE THAT WE CAN APPLY THE SHARES\nPLEDGED AT THE TIME OF ANY DEFAULT ON\nTHIS ACCOUNT WITHOUT FURTHER NOTICE.\n\xe2\x80\x9cShares\xe2\x80\x9d for the purpose of your pledge to secure\nyour obligations to the Credit Union means all\ndeposits in any share savings, share draft, club,\ncertificate, P.O.D., revocable trust or custodial\naccount(s), whether jointly or individually held -regardless of contributions, that you have on\ndeposit now or in the future. Your pledge does not\ninclude any I.R.A., Keogh, tax escrow, irrevocable\ntrust or fiduciary account in which you do not\nhave a vested ownership interest.\nMILITARY LENDING ACT PARTIAL EXCEPTION: If\nyou or your dependents are expressly covered\nand entitled to the protections provided by the\nMilitary Lending Act then NO PLEDGE OF\nSHARES OR LIEN ON SHARES APPLIES EXCEPT\nFOR A SHARED SECURED CREDIT CARD FOR\nWHICH YOU EXECUTE A SEPARATE SECURITY\nAGREEMENT. Any provisions of the Agreement\n(below) that address the items expressly excepted\nin any section to the contrary also do not apply to\nsuch Loans.\nSecurity Agreement \xe2\x80\x93 Non-Purchase Money Security\nInterests: Payments on your Account are secured by any\nsecurity interest in any property securing your other\nobligations to the Credit Union, whether existing now or in\nthe future, except your household goods and your primary\nresidence.\nSecurity Agreement \xe2\x80\x93 Purchase Money Security\nInterests: You hereby grant Credit Union security\n00029\nRev. 04.02.2020\nPage 3 of 12\n\n\x0cCCCOR\n\ninterest in all property purchased/acquired by you or any\nauthorized user pursuant to the use of this Account,\nincluding a purchase-money security interest in any\nhousehold goods purchased/acquired with an extension\nof credit upon this Account. These Purchase-Money\nSecurity Interests shall secure faithful performance of all\nobligations arising under this Agreement; and the Credit\nUnion shall have all of the rights of a secured party in\naccordance with Article Nine of the Uniform Commercial\nCode and/or other applicable law.\n3. HOW TO USE THIS ACCOUNT\nYou must sign the Card in order to use it. You can\npurchase or lease goods and services ("Purchases") from\nany merchant who honors your Card up to your maximum\ncredit limit by presenting your Card and signing a sales\nslip or writing a Convenience Check for the amount of the\nPurchase. You may also use the Card to obtain cash\nloans ("Cash Advances") up to your maximum credit limit\nfrom financial institutions that accept the Visa credit card,\nand by use of preprinted Convenience Checks that the\nCredit Union may issue to you. You agree not to present\nyour Card, obtain a Cash Advance or write a Convenience\nCheck for any extension of credit in excess of your\navailable Credit Limit (the difference between your\noutstanding balance and your maximum credit limit) on\nyour account. Cash advance, convenience checks,\nand balance transfers may not be used to pay off any\ndebt owed to SAFE Federal Credit Union. Certain\npurchases and cash advances require authorization prior\nto completion of the transaction. In some cases, you may\nbe asked to provide identification. If our system is not\nworking, we may not be able to authorize a transaction,\neven though you have sufficient credit available. Also, for\nsecurity reasons, we may block the use of your Card in\ncertain countries or geographic areas. We will have no\nliability to you or others if any of these events occur.\nYou authorize us to honor any Purchase or Cash Advance\nyou make by telephone or mail on this account. You agree\nthat a signature is not necessary as identification in such\ncases. We reserve the right to refuse to honor any request\nfor credit, to reduce your credit limit or terminate your\naccount at any time using our sole discretion, based on\nchanges in the economy, the Credit Union\'s financial\ncondition, your creditworthiness or for any other reason\nnot prohibited by law.\nTransactions Involving Cryptocurrencies\nProhibited\nDue to the many risks associated with\ncryptocurrencies such as Bitcoin we have blocked all\ntransactions involving cryptocurrencies. This means\nthat you will not be able to perform any transactions\ninvolving cryptocurrencies with any Card issued by\nus.\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n4. ATM ACCESS\nIf you have received a personal identification number\n(PIN), you may use your Card and PIN to obtain Cash\nAdvances at any Automatic Teller Machine ("ATM") that\naccepts your Card. Your PIN is confidential and should\nnot be disclosed to anyone. You agree not to write your\nPIN on your Card, you will not keep your Card and PIN\ntogether, and you will not provide your PIN to anyone who\nis not an authorized user. Except as otherwise provided\nin this agreement, advances through ATM access will be\ntreated as Cash Advances under this Agreement.\nAdvances at authorized ATM\'s are limited to a total of\n$510.00 during any 24- hour period. The total of all cash\nadvances on your Visa Account and any withdrawals from\nyour other accounts through an ATM in any 24-hour\nperiod may be combined for the purpose of this limitation.\nAlthough we do not charge a fee for this service, others\nmay. Owners of ATMs that we do not own may charge\nfees in addition to any fees disclosed in this\nAgreement. This is not a fee charged by your Credit\nUnion; however, any such fee will be added to your\naccount. The party charging the fee is required to\nprovide appropriate disclosures to you with regard to\nany such fees.\n5. YOUR MAXIMUM CREDIT LIMIT\nYour maximum credit limit will appear on the folder in\nwhich you receive your Card and on your monthly\nstatement. At our discretion, we may change your credit\nlimit at any time, and may provide separate limits for\npurchases and for cash advances. We will notify you if we\ndo, either by mail or through your monthly billing\nstatement. You may request a change to your credit limit\nby contacting the Credit Union by telephone or mail. Your\ncontinued use of the card will show your agreement to any\nsuch increase. If you object to an increase in your credit\nlimit, you must notify Credit Union in writing. Upon receipt\nof such notice, your credit limit will be reduced to its prior\nlimit; however, you will be responsible to pay any amounts\nby which you have exceeded the reduced limit. You agree\nto pay any amounts you owe that exceed your maximum\ncredit balance upon demand. You agree we are not\nobligated to extend to you credit for any amount that\nwould cause your outstanding balance to exceed your\nMaximum Credit Limit, or for any amount if your\noutstanding balance already exceeds your Maximum\nCredit Limit. Any increase in your Maximum Credit Limit\nrequested by you will require you to make a written\napplication for our approval. In assessing your credit limit\nunder the provisions in this Section (either at our\ndiscretion or upon request): (a) we may and you authorize\nus to review your credit history, including consumer credit\nreports; (b) you authorize us to have this review made by\nthird parties to determine whether you meet the criteria\nwe have set for such an increase; and (c) this process\n00029\nRev. 04.02.2020\nPage 4 of 12\n\n\x0cCCCOR\n\nshall not be pre-screening under the Fair Credit Reporting\nAct or other applicable laws or regulations based on our\nexisting relationship and this Agreement.\n\nPlease allow at least seven (7) days for the U.S. Postal\nService to deliver your payment.\n\nCredit balances in excess of $1.00 will be refunded to you\nby mailing a check to the address to which statements are\nprovided payable to the order of any cardholder or as a\ndeposit to your primary savings account. You agree that\nthe Maximum Credit Limit will at no time exceed the\nagreed upon amount, and that any credit balance will not\nbe available or increase the Maximum Credit Limit\navailable for new purchases or cash advances during any\nbilling cycle.\n\nTo protect you and us, the Credit Union, in its sole\ndiscretion, may place a temporary freeze on all or part\nof the credit available to you for new purchases or\ncash advances under this agreement any time the\nCredit Union receives a large payment ($1,000.00 or\nmore), by a method other than cash, certified funds\nor electronic transfer. In such cases, the Credit Union\nmay freeze your credit line until payment is actually\ncollected by us.\n\n6. GENERAL TERMS GOVERNING YOUR PAYMENTS\n\nMaximum Fees During the First Year: During the first\nyear after the credit card is opened the total fees charged\nto your credit card will not exceed 25% of the credit limit\nin effect when the account is opened. This limit does not\napply to late payment fees, over-limit fees or returned\npayment fees or other fees the consumer is not required\nto pay with respect to the account such as an expedited\npayment for making a payment by phone. However, the\nlimit does apply to cash advance fees, balance transfer\nfees and foreign transaction fees.\n\nYou will be jointly and severally liable and agree to pay\nthe Credit Union for all charges (purchases, cash\nadvances, finance charges, and other charges added to\nyour Account under the terms of this or any other\nagreements with us) extended to you or anyone else\nusing any Card issued for your account, unless the use of\nsuch Card is by a person other than you, who does not\nhave actual, implied or apparent authority for such use\nand from which you receive no benefit. Authority includes,\nbut is not limited to, any authorized users permitting\nanother person to use any Card(s). Further, all users are\nobligated to us for all charges they make, authorize or\npermit. The Credit Union can accept late or partial\npayments as well as payments that are marked with "paid\nin full" or other restrictive endorsements, without losing\nany of our rights under this Agreement. You must pay the\nCredit Union in U.S. dollars drawn on funds on deposit in\nthe United States. The Credit Union will determine the\nmethod of applying payments and credits to your account,\nwhich will in all respect comply with any specific\nrequirements of applicable laws. If you make payment\nwith other currencies or from an institution domiciled\noutside the United States, then your payment will not be\ncredited until the funds have been collected by us in U.S.\ndollars. If you make a payment on this account utilizing a\ncheck, you authorize us either to use the information from\nyour check to make a one-time electronic fund transfer\nfrom your checking/deposit account or to process the\npayment as a check transaction. When we use\ninformation from a check to make an electronic funds\ntransfer, funds may be withdrawn from another financial\naccount possibly the same day you make your payment,\nand you will not receive your check back from your\nfinancial institution. For inquiries, or to opt out of one-time\nelectronic fund transfers, please contact us at\n1.800.763.8600.\nUnless otherwise required by specifically applicable laws,\nfor payments received by mail by 5:00 PM EST, you will\nreceive credit that day; and for payments made in any\nother manner, including in person, your account will be\ncredited the day payment is received.\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n7. MINIMUM PAYMENT DUE\nYou can pay off your account balance in full each month\nor you can pay in monthly installments. If you do not pay\nyour balance in full, you agree to pay at least a minimum\npayment of 2% of your New Balance (rounded to the\nnearest whole dollar) or $25.00, whichever is greater at\nthe end of each statement period. If the New Balance\nshown on your periodic statement is $25.00 or less, you\nagree to pay this amount. Unless the Credit Union takes\nother action as a result of a default under this Agreement,\nthe Minimum Payment Due will also include any amount\nthat is past due and any amount by which your new\nbalance exceeds your credit limit. Payment Allocation:\nSubject to any mandatory provisions of applicable law we\nwill apply your minimum payment to previously billed\nunpaid finance charges; late charges and similar charges;\nbalance with the lowest interest rate; Cash Advances and\nPurchases. You must pay the minimum payment on or\nbefore the due date each month, but you may pay more\nwith all of the excess payment being applied to highest\nAPR balances. You must pay at least the minimum\npayment each month, but you may pay more than that\namount at any time without a penalty. The sooner you pay\nyour new balance, the less you will have to pay in finance\ncharges. The "Payment Due Date" will be shown on your\nperiodic statement.\nGrace Period for Repayment of The Balance for\nPurchases and Cash Advances: Grace period for\nrepayment of the balance for purchases and cash\nadvances is 25 days from the close of the billing cycle.\nSee your statement for billing cycle date.\n00029\nRev. 04.02.2020\nPage 5 of 12\n\n\x0cCCCOR\n\n8. RETURNS AND ADJUSTMENTS REGARDING\nYOUR TRANSACTION WITH MERCHANTS\nMerchants and others who honor your Card may give\ncredit for returns or adjustments, and they will do so by\nsending the Credit Union a credit slip which will be posted\nto your Account. If your credits and payments exceed\nwhat you owe the Credit Union, the amount will be applied\nagainst future purchases and cash advances. If the credit\nbalance amount is $1.00 or more, it will be refunded upon\nyour written request. Credit balances under $25.00 will\nautomatically be refunded within six months. Credit\nbalances over $25.00 will be refunded automatically each\nmonth after statement cycle closing.\n9. ADDITIONAL CHARGES FOR TRANSACTIONS IN\nA FOREIGN CURRENCY AND CROSS-BORDER\nTRANSACTIONS\nConversion Fee: If you effect or authorize a transaction\nwith your access device in a currency other than US\nDollars, Visa will convert the charge into a US Dollar\namount. The Visa currency conversion procedure\nincludes use of either a government mandated exchange\nrate, or a wholesale exchange rate selected by Visa, as\napplicable. The exchange rate Visa uses will be a rate in\neffect on the day the transaction is processed. This rate\nmay differ from the rate in effect on the date of the\npurchase or the date the transaction was posted to your\naccount. A Currency Conversion Fee of up to 1% will be\napplied to transactions that are converted from foreign\ncurrencies to U.S. dollars.\nCross-Border Transaction Fee: In addition, Visa\ncharges us a Cross-Border Assessment up to 1% on each\ntransaction on all cross-border transactions regardless of\nwhether there is a currency conversion. For purposes of\nthis Section, \xe2\x80\x9ccross-border transaction\xe2\x80\x9d shall include both\n(a) transactions initiated in a foreign country which are\nsubsequently settled in the United States, and (b)\ntransactions initiated in the United States but which are\nultimately settled in a country outside of the United States.\nThe Credit Union will assess these fees to you to\nreimburse it for the fee it is required to pay for each of your\ntransactions subject to these terms. The Cross-Border\ntransaction fee will be shown separately on your periodic\nbilling statement. The Currency Conversion Fee, if it\napplies to the transaction, will be included in the\ntransaction amount posted on your statement.\n10. FINANCE CHARGES\nFINANCE CHARGES WILL BE IMPOSED IN THE\nFOLLOWING MANNER AND WILL BE IN AMOUNTS\nNOT IN EXCESS OF THOSE PERMITTED BY LAW:\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n(a) Purchases: (1) No finance charge will be imposed\nduring the next billing cycle (defined as the time interval\nbetween regular monthly billing statement dates) if you\npay the entire new balance shown on the current periodic\nstatement and we receive your payment on or before the\npayment due date shown on the statement. (2) In all other\ncases, a finance charge will be imposed based on the\naverage daily balance of all purchases and debit\nadjustments, hereafter referred to as purchases. The\naverage daily balance is the sum of all outstanding\npurchases, which is determined by including new\npurchases and deducting payments or credits and\nexcluding any unpaid finance charge for your Account on\neach day of the billing cycle divided by the number of days\nin the billing cycle. A purchase appearing on the periodic\nstatement is considered a part of the outstanding balance\nfrom the date of posting. (3) The amount of the finance\ncharge is calculated by multiplying the average daily\nbalance for purchases by the monthly periodic rate. The\nmonthly periodic rate is the yearly interest rate divided by\n12.\n(b) Cash Advances: (1) No finance charge will be\nimposed during the next billing cycle (defined as the time\ninterval between regular monthly billing statement dates)\nif you pay the entire new balance shown on the current\nperiodic statement and we receive your payment on or\nbefore the payment due date shown on the statement (2)\nIn all other cases, a finance charge will be imposed on the\naverage daily balance of cash advances, which is the sum\nof the cash advances (determined by including new cash\nadvances and deducting any payments or credits and\nexcluding any unpaid finance charge) outstanding each\nday during the billing cycle, divided by the number of days\nin the billing cycle. A cash advance appearing on the\nperiodic statement is considered a part of the outstanding\nbalance from the transaction date. (3) The amount of\nfinance charge is calculated by multiplying the average\ndaily balance for cash advances by the monthly periodic\nrate. The monthly periodic rate is the yearly interest rate\ndivided by 12.\n11. PROMOTIONAL RATE FINANCE CHARGES\nFrom time to time and in our sole discretion we may offer\na special rate applicable to certain transactions such as\nparticular purchases (as defined by us), balance\ntransfers, cash advances or purchases made by using\nConvenience Checks. Applicable terms and conditions\nwill be disclosed at the time any such promotion is offered,\nand are incorporated into this Agreement by reference.\nThe promotional rate will apply only to the transactions\nand for the period of time set forth in any such offer from\nus. Existing balances and new purchases or advances not\nexpressly subject to any such promotion will remain\ngoverned by the terms and conditions of this Agreement.\nIn addition, the terms and conditions of this Agreement\nwill govern your obligations regarding any unpaid balance\n00029\nRev. 04.02.2020\nPage 6 of 12\n\n\x0cCCCOR\n\nor transactions that are made subject to any such\npromotional offer, that are not fully paid within the time\nperiod set forth in such promotional offer.\n12. INTEREST RATE ADJUSTMENT (DEFAULT RATE)\nThe Credit Union will adjust the interest rate on your\naccount whenever your account is 60 days past due. We\nwill change your interest rate to a fixed rate of 18.00%\nannual percentage rate (APR) (or less in the Credit\nUnion\xe2\x80\x99s discretion) which is a monthly periodic rate of\n1.50%, on the first day of the billing cycle following the\ncycle that was 60 days past due. After six (6) consecutive\nbilling cycles of your account being paid pursuant to the\nterms of your agreements with the Credit Union, we will\nchange the interest rate to the rate that is then applicable\nto your account, which will become effective on the first\nday of the billing cycle following the sixth consecutive\nbilling cycle.\n13. MONTHLY STATEMENT\nWe will send you a monthly billing statement whenever\nthere is activity on your account. Your monthly statement\nwill show an itemized list of current charges (Purchases\nand Cash Advances) and Convenience Check\ntransactions to your account, your new balance, any\nFinance Charges, the minimum payment due, and the\npayment due date. In addition, it will show your current\ncredit limit, payments, and credits, a summary showing\nyour Purchases and Cash Advances, the merchant,\nelectronic terminal or financial institution at which\ntransactions were made, as well as other information\nconcerning your account. Sales, Cash Advance, credit or\nother slips cannot be returned with any statement. You\nwill retain a copy of such slip furnished at the time of the\ntransaction in order to verify your monthly statement.\nE-Statements: If provided electronically, you will be sent\na notice via e-mail that will direct you to a site we maintain\nor cause to be maintained where you may access, review,\nprint and otherwise copy / download your periodic\nstatements using procedures that we authorize. E-mails\nfrom us will be sent to the e-mail address provided by any\nowner.\n14. ADDITIONAL BENEFITS / CARD ENHANCEMENTS\nThe Credit Union may from time to time offer additional\nservices to your Account, such as travel accident\ninsurance, purchase rewards or rebates at no additional\ncost to you. You understand that the Credit Union is not\nobligated to continue or to offer such services and may\nwithdraw or change them at any time. If these benefits are\nwithdrawn prior to any accrued use by you, the Credit\nUnion will have no obligation to provide the benefit or\nenhancement, or any other compensation or\nconsideration.\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n15. MERCHANT DISPUTES\nThe Credit Union is not responsible for the refusal of my\nmerchant or financial institution to honor your Card except\nas set forth in the Special Rules for Credit Card\nPurchases set forth at the end of this Agreement.\n16. LATE PAYMENT FEE\nCredit Union will charge your account a late payment fee\nup to $27.00 for the first billing period in which your\nminimum payment is not received within three (3) days of\nyour payment due date. The credit union will charge you\na fee up to $38.00 for any additional late payments within\nsix (6) months of the first late fee. This fee may be added\nto your account balance, or collected from you on\ndemand.\n17. RETURNED PAYMENT OR INSUFFICIENT FUNDS\nFEE\nCredit Union will charge your account a $25.00 fee if your\npayment by any method, including check, electronic\ntransfer, home banking transaction or otherwise, is not\nhonored, collected by us, or if we must return it to you\nbecause it cannot be processed for any reason. This fee\nmay be added to your account balance, or collected from\nyou on demand.\n18. CHARGE FOR COPIES, RESEARCH AND CARD\nREPLACEMENT\nIf you ask for a copy of any document, such as a sales\nslip, Convenience Check, or billing statement, a charge of\n$10.00 per hour may be imposed for the time it takes to\nresearch and locate the document, with a two-hour\nminimum. In addition, a copying fee of $2.00 per copy will\nbe imposed. However, no charge will be imposed in\nconnection with any actual or asserted billing error. We\nwill charge a $15.00 fee to replace a lost card.\n19. YOUR RESPONSIBILITY AND LIABILITY FOR\nUNAUTHORIZED USE AND LOST OR STOLEN\nCARDS OR CONVENIENCE CHECKS\nIf your Card or Convenience Checks are lost or stolen, or\nif you are afraid someone used or may use them without\nyour permission, you must notify the Credit Union at once\nby calling us at 1.800.449.7728. If notice is given orally,\nyou will promptly confirm it in writing. The Credit Union\nmay require you to provide us certain information in\nwriting to help us investigate any unauthorized use.\nFurther, you agree to cooperate and assist us or any\ngovernment or law enforcement agent or agency in\ninvestigating, collecting or pursuing any other rights (civil\nand criminal) relating to any unauthorized use. In this\nregard, you agree to file an appropriate police report when\n00029\nRev. 04.02.2020\nPage 7 of 12\n\n\x0cCCCOR\n\nasked to do so. Do not use the Card or the Convenience\nChecks after you have notified the Credit Union, even if\nyou find them or have them returned to you.\nYou are liable for all transactions that you authorize.\nNo Liability: You will have no liability for unauthorized\nuse of your Card, Convenience Checks or other Access\nDevices for non-ATM transactions made over the Visa\nNetwork. HOWEVER - your liability with respect to\nunauthorized transactions may be greater than the\nabove zero ($0.00) liability limit, to the extent allowed\nunder applicable law, if the credit union reasonably\ndetermines, based on substantial evidence, that you\nwere negligent or fraudulent in the handling of your\naccount or card.\nLimited Liability: For transactions on other networks or\nATM transactions, you may be liable for unauthorized\ntransactions using your Card, Convenience Checks or\nother Access Devices that occur before we are notified.\nHowever, your liability for unauthorized use on networks\nother than Visa will not exceed $50.00. In any case, you\nwill not be liable for any unauthorized use after notifying\nus of the loss, theft or unauthorized use of your Card,\nConvenience Checks or other Access Devices.\n20. OUR LIABILITY FOR FAILURE TO COMPLETE\nTRANSACTIONS\nIf we do not complete a transaction pursuant to any\nrequest, and/or in the correct amount, we may be liable\nfor your losses or damages. However, there are some\nexceptions. We will not be liable, for instance:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nif through no fault of ours, you do not have\nadequate funds available on your Card to\ncomplete the transfer;\nif circumstances beyond our control (such as fire,\nflood, terrorist attack, national emergency, or\ncomputer or communication failure) prevent the\ncompletion of the transaction, despite reasonable\nprecautions we have taken;\nif access to your Card has been blocked after you\nreported your Card lost or stolen;\nif there is a hold on your Card for any reason;\nif your funds are subject to legal process or other\nencumbrance restricting their use;\nif your transfer authorization terminates by\noperation of law;\nif a computer system or mobile device was not\nworking properly and you knew about the\nproblem when you initiated the transaction;\nif we have reason to believe that the requested\ntransaction is not authorized; or\nas otherwise provided in this Agreement.\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n21. WHAT THE CREDIT UNION MAY DO IF YOU DO\nNOT MEET YOUR OBLIGATIONS UNDER THIS\nAGREEMENT (DEFAULT)\nYou will be in default if: (a) you fail to pay the Minimum\nPayment Due by the Payment Due Date; (b) the Credit\nUnion, in its sole discretion, feels insecure (For example:\nOur good faith belief that your ability to pay your account\nis impaired; use of your account in any manner or in any\nway that may expose the Credit Union to a risk of loss;\netc.); (c) your ability to repay is materially reduced by a\nchange in your employment, by an increase in your\nobligations, by bankruptcy or insolvency proceedings\ninvolving you, by your death, or (for community property\nstate residents only) by a change in marital status or\ndomicile; (d) you exceed your credit limit without our\npermission; (e) you have made a false or misleading\nstatement to us in your application or otherwise; (f) you\nare in default under any other agreement with us; (g) if\nyou use or authorize the use of any Card(s) to make or\nfacilitate any illegal transaction; or (h) you fail to perform\nany of your other obligations under the terms of this\nAgreement as it may be amended from time to time. Upon\ndefault we may close your Account to future purchases\nand advances and, to the extent not prohibited by\nGoverning Law, demand immediate payment of your\nentire Account balance, after giving you any notice and\nopportunity to cure the default if required by applicable\nlaw. The Credit Union\'s sole obligation hereunder with\nregard to determining and declaring an event of default is\nthe exercise of "good faith," based on its subjective\nunderstanding of applicable facts. We shall also have the\nright to close your account and terminate access\nprivileges where your account is inactive for such periods\nof time as we may from time-to-time determine to be\nappropriate for protecting both our and your interests.\n22. WHEN YOU MAY BE RESPONSIBLE FOR LEGAL\nAND OTHER COSTS\nYou agree to pay all costs incurred by the Credit Union in\ncollecting any amounts you owe or in enforcing or\nprotecting the Credit Union\'s rights under this Agreement,\nincluding attorneys\' fees of 20% of the unpaid balance or\nsuch greater sum as may be reasonable, and also those\ncosts, expenses and attorneys\' fees incurred in any\nappellate, bankruptcy and post-judgment proceedings,\nexcept as limited or prohibited by applicable law.\n23. UPDATING\nINFORMATION\n\nAND\n\nDISCLOSING\n\nFINANCIAL\n\nWe may report your performance under this Agreement\nto credit reporting agencies and secure follow-up credit\nreports on you for any legitimate business reason,\nincluding if you fail to make your minimum payments on\ntime. We can reinvestigate and reevaluate any\ninformation you provide on your Visa Application at any\n00029\nRev. 04.02.2020\nPage 8 of 12\n\n\x0cCCCOR\n\ntime, and in the course of doing so, we may ask you to\nprovide additional information, request credit bureau\nreports and/or otherwise verify your current credit\nstanding.\nAccess to Account Information: You agree that all\nborrowers and authorized users will have access to\ninformation regarding transactions on your account,\nincluding but not limited to purchases and cash advances,\naccount balances, account history, payments and other\ninformation relating to or arising with regard to this\naccount or any transaction.\n\nthe foregoing, the Credit Union has the right to terminate\nyour line of credit or any part of the services provided\npursuant to this Agreement and to demand the return of\nall cards, access checks and other access devices if the\nCredit Union, in its sole discretion, feels that it is insecure\nfor any reason whatsoever; including but not limited to\nmismanagement of your account, failing to safeguard any\naccess device, creation of any credit balances by you that\nmay increase the risk of loss or exposure of the Credit\nUnion or failing to cooperate with the Credit Union or\nothers with regard to any claim of unauthorized use or any\nother defense to payment under applicable law.\n\n24. CHANGE OF NAME, ADDRESS OR EMPLOYMENT\n\n27. CHANGING THIS AGREEMENT\n\nYou will notify immediately the Credit Union in writing if\nyour name, home address or employment changes.\n\nThe Credit Union may change the terms of this\nAgreement, including the Annual Percentage Rate, at any\ntime. Except where limited by applicable law, the new\nterms, including, but not limited to, increasing the finance\ncharge or the way the Credit Union calculates finance\ncharges, late charges, and the minimum payment due,\nwill apply both to new purchases and cash advances and\nto the existing outstanding balance of your account as of\nthe day of the change. In accordance with applicable law,\nthe Credit Union will notify you of any increased charge or\nchange by writing to you at the most recent address\nshown for you on the Credit Union\'s records.\n\n25. CORRECTING THE CREDIT UNION\xe2\x80\x99S CREDIT\nREPORT\nIf you think the Credit Union reported erroneous\ninformation about you to a credit reporting agency, call the\nCredit Union at the telephone number listed on your\nmonthly billing statement. Credit Union will promptly\ninvestigate the matter. Credit Union will contact each\ncredit reporting agency whose records may reflect an\nerror. Credit Union will require them to correct your report\nif its investigation decides that you were correct. If Credit\nUnion disagrees with you after the investigation, Credit\nUnion will advise you, in writing or by phone, and instruct\nyou how to submit to those agencies a statement of your\nposition that will become a part of your credit record with\nthem. The instructions will include the name, address, and\nphone number of each such agency, along with other\npertinent information.\n26. WHEN YOUR ACCOUNT MAY BE CLOSED AND\nEFFECTS OF ACCOUNT CLOSING\nAny individual cardholder without the consent of other\ncardholders may close your Account at any time by\nnotifying us in writing as indicated in this Agreement.\nCredit Union may close your account or suspend your\nCard privileges or Convenience Checks at any time\nwithout prior notice. Credit Union may also reissue a\ndifferent Card or different checks at any time. You must\nreturn the Card or the Convenience Checks to the Credit\nUnion upon request. You agree that the Card and all\nConvenience Checks remain the property of Credit Union.\nEach Card we issue will have an expiration date. Upon\nexpiration of your Card your account will automatically\nterminate; or the Credit Union, in its sole discretion, may\nextend your Agreement and issue a new card with a new\nexpiration date. If your account is closed, expires or your\ncredit privileges are terminated or suspended, you will\nremain responsible for paying all amounts you owe us\naccording to the terms of this Agreement. Without limiting\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n28. THE EFFECT OF ANY DELAY IN ENFORCEMENT\nOR WAIVER\nThe Credit Union may delay or waive enforcement of any\nof the provisions of this Agreement, including any\nagreement to make timely payments, without losing its\nright to enforce the same provision later or any other\nprovisions of this Agreement. You waive the right to\nreceive notice of any waiver or delay or presentment,\ndemand, protest or dishonor. You also waive any\napplicable statute of limitations to the full extent permitted\nby law and any right you may otherwise have to require\nthe Credit Union to proceed against any person before\nsuing you to collect. You understand that the Credit Union\nwill not be liable for a merchant\'s or other parties\' refusal\nto honor your Card whether due to an error by the Credit\nUnion, the merchant, the Credit Union\'s authorized agent,\nor other third party.\n29. ADDITIONAL TERMS OF AGREEMENT\nTo the extent not prohibited by applicable law, the terms,\ninterpretation and enforcement of any claim or dispute\narising under this Agreement, as well as all parties\xe2\x80\x99 rights\nand duties, will be governed by South Carolina State law\nregardless where you may reside or use your account.\nFurther, this Agreement is the contract which governs all\ntransactions on your Account even though sales, cash\nadvances, credit or other slips may contain different\nterms.\n00029\nRev. 04.02.2020\nPage 9 of 12\n\n\x0cCCCOR\n\nYou may not transfer or assign your account or Card to\nany other person. The Credit Union may assign or transfer\nthis Account, your Account balance, or this Agreement to\nanother person, who will have all of our rights hereunder.\nThis Agreement is binding on your heirs and legal\nrepresentatives. If there are joint obligors or authorized\nusers for this credit plan, each of you will have the right to\nuse the Account to obtain loans pursuant to the terms\nhereof. Any one obligor\xe2\x80\x99s elections, transactions and\ndirections to the Credit Union shall be binding upon all\nobligors. Each of you will be liable for all obligations owing\non the Account whether borrowed by you or otherwise\nand whether within or beyond the credit limit. Your liability\nwill be joint and several. Either party has the right to\ncancel this Agreement. Further each of you is responsible\nfor all amounts borrowed by any authorized user(s).\nAuthorized users and other users may also be required to\nrepay the amount owed for charges they make; however,\nyou remain, at all times, primarily responsible for all\namounts owed. All Cards, billing statements and notices\nwill be mailed or delivered to the address given on the\napplication for either applicant unless you direct otherwise\nin writing. If any law or judicial ruling makes any part,\nprovision, sentence or section of this Agreement\nunenforceable, the remainder will continue in full force\nand effect.\n30. CREDIT INSURANCE\nIf you elect insurance, as set forth in your application, then\nthe charges will be added to your Account balance on\neach billing cycle, if your insurance application is\napproved. Credit insurance is voluntary and not required\nto obtain a credit card account with us. You have a right\nto terminate this insurance at any time by notifying us in\nwriting. Note: Maximum age for life insurance will\nterminate in the month of your 70th birth date. Maximum\nage for credit disability will terminate in the month of your\n66th birth date.\n31. ELECTRONIC PAYMENT OPTION\nIf you request recurring electronic payment options\n(Automated Clearing House (ACH), Pay by Phone, echeck, etc.), all Minimum Payments due will automatically\nbe deducted from your designated account on your\nPayment Due Date. If your designated account does not\ncontain sufficient funds, no automatic deduction will be\nmade; we will bill you for the Minimum Payment Due; and\nyour account will be charged a $25.00 insufficient funds\nfee and you will be responsible for making the payment\nby some other means.\n32. COMPLIANCE WITH APPLICABLE LAWS AND\nPROHIBITION OF ILLEGAL TRANSACTIONS\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\nYou warrant and agree that you will at all times comply\nwith all Applicable Laws; and that your card and services\nare at all times subject to Applicable Laws. Further, you\nagree and warrant that your Credit Card, other access\ndevice or any related account will not be used to make or\nfacilitate any illegal transaction(s) as determined by\napplicable law; and that any such use, including any such\nauthorized use, will constitute an event of default under\nthis Agreement. Certain federal and/or state laws or Card\nService Providers\xe2\x80\x99 Rules may limit or prohibit certain\ntransactions such as (but not limited to) those coded as\npossible gambling transactions. The Credit Union may\ndecline to accept, process or pay any transaction that we\nbelieve to be illegal or unenforceable (regarding your\nobligation to pay us or otherwise) under applicable law; or\nwhich is otherwise limited or prohibited, including but not\nlimited to any transaction involving or relating to any\ngambling activity. Such prohibition or limitations may\naffect some otherwise proper or allowable transactions\nsuch as charges incurred at a hotel-casino. You\nunderstand and agree such limitations/prohibitions are\nnot within the Credit Union\xe2\x80\x99s control and that the Credit\nUnion will not have any liability, responsibility or culpability\nwhatsoever for any such use by you or any authorized\nuser(s); or for declining to accept, process, or pay any\nsuch transaction. You further agree to indemnify and hold\nthe Credit Union harmless from any suits, liability,\ndamages or adverse action of any kind that results directly\nor indirectly from any such use of your account and/or\naccess devices.\n33. SKIP PAYMENT OPTION\nAt our option, we may offer you the opportunity to not\nmake ("skip") a minimum payment during certain\ndesignated billing cycles ("skip payment period"). If you\ndo not make your minimum payments as provided in this\nAgreement, during such designated billing cycles, you\nunderstand that we will continue to apply finance charges\nto your account. Beginning with the billing cycle following\nan allowed skip payment period, all other provisions of\nthis Agreement will apply. We have no obligation to\naccept your application for any skip payment period\noffered, and you authorize us to investigate your\ncreditworthiness including obtaining consumer credit\nreports. We may charge you an application processing\nfee of up to $35.00 for each skip payment period that we\nmay offer to cover our costs of investigating your\nqualifications for this extension including but not limited to\nthe\ncosts\nassociated\nwith\nresearching\nyour\ncreditworthiness.\n34. VISA ACCOUNT UPDATER (VAU)\nVAU is an account updating service in which your card is\nautomatically enrolled. When your card(s) expire, are lost\nor stolen and new cards are issued, the service may\nupdate relevant card data (card numbers and expiration\n00029\nRev. 04.02.2020\nPage 10 of 12\n\n\x0cCCCOR\n\ndates) to appropriate merchants who participate in an\neffort to facilitate uninterrupted processing of your\nrecurring charges. This service provides updates to a Visa\ndatabase only. The database is accessed by those\nqualified merchants seeking your account information\nafter you have requested they process a recurring\npayment or payments. This service is provided as a free\nbenefit to you. If at any time you wish to opt-out of the\nVAU service or if you have any questions, please call\n1.800.763.8600 to do so.\nOUR BILLING RIGHTS STATEMENT\nKEEP THIS NOTICE FOR FUTURE USE\nThis Notice contains important information about your\nrights and our responsibilities under the Fair Credit Billing\nAct.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS\nABOUT YOUR STATEMENT / BILLING AT:\nSAFE Federal Credit Union\nPost Office Box 31112\nTampa, FL 33631-3112\nIf you think your statement is wrong, or if you need more\ninformation about a transaction on your statement, you\nmust write to us on a separate sheet of paper to the\naddress listed in your periodic statement. You should\nwrite to us as soon as possible. We must hear from you\nno later than 60 days after we sent you the first statement\non which the error or problem appeared. You can\ntelephone us, but doing so will not preserve your rights. In\nyour letter, you should give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYour name and account number.\nThe dollar amount of the suspected error.\nDescribe the error and explain, if you can, why\nyou believe there is an error.\nIf you need more information, describe the item\nyou are not sure about.\n\nIf you have authorized us to pay your credit card bill\nautomatically from your SAFE Federal Credit Union\nsavings or checking account, you can stop payment on\nany amount you think is wrong. To stop the payment, your\nletter must reach us three (3) business days before the\nautomatic payment is scheduled to occur.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER\nWE RECEIVE YOUR WRITTEN NOTICE:\nWe must acknowledge your letter within 30 days, unless\nwe have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the\nbill was correct.\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\nAfter we receive your letter, we cannot try to collect any\namount you question, or report you as delinquent. We can\ncontinue to bill you for the amount you question, including\nFINANCE CHARGES, and we can apply any unpaid\namount against your credit limit. You do not have to pay\nany questioned amount while we are investigating, but\nyou are still obligated to pay the parts of the bill that are\nnot in question.\nIf we find that we made a mistake on your statement, you\nwill not have to pay the FINANCE CHARGES related to\nany questioned amount. If we didn\xe2\x80\x99t make a mistake, you\nmay have to pay FINANCES CHARGES, and you will\nhave to make up any missed payments on the questioned\namount. In either case, we will send you a statement of\nthe amount you owe us and the date that it is due.\nIf you fail to pay the amount we think you owe us, we may\nreport you as delinquent. However, if our explanation\ndoes not satisfy you and you write us within 10 days telling\nus that you still refuse to pay, we must tell anyone we\nreport you to that you have a question about your\nstatement. And, we must tell you the name of anyone we\nreported you to. We must tell anyone we report you to that\nthe matter has been settled between you and us when it\nfinally is. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the\nfirst $50.00 of the questioned amount, even if the\nstatement was correct.\nSPECIAL RULE FOR CREDIT CARD PURCHASES:\nIf you have a problem with the quality of property or\nservices that you purchased with a credit card, and you\nhave tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining\namount due on the property or services. There are two\nlimitations on this right:\n1.\n\n2.\n3.\n\nYou must have made the purchases in your home\nstate or, if not within your home state, within 100\nmiles of your current mailing address; and\nThe purchase must have been more than $50.00.\nThese limitations do not apply if we own or\noperate the merchant, or if we mailed you the\nadvertisement for the property or services.\n\nIf you feel that you need Counseling or Debt Management\nservices, please contact Consumer Credit Counseling\nService toll free at 1.800.251.2227 or visit them on the\nweb at www.cccsinc.org. You may also visit\nwww.frbatlanta.org for a list of Counseling and Debt\nManagement Services.\nCONTACT INFORMATION\n24 Hour Cardholder Service:\nCall: 1.855.556.963\n00029\nRev. 04.02.2020\nPage 11 of 12\n\n\x0cCCCOR\n\nTo Report a Lost or Stolen Visa Card After Hours\nCall: 1.800.449.77278\nOutside the US 727.299.2449 (Collect)\nSAFE Federal Credit Union Visa Department:\nPO Box 2008\nSumter, SC 29151-2008\n803.469.8600\nToll Free 1.800.763.8600\nPayment Address:\nPO Box 71050\nCharlotte, NC 28272-1050\nTo Close the Account:\n(SEND WRITTEN NOTICE)\nSAFE Federal Credit Union\nP.O. Box 2008\nSumter, SC 29151-2008\nDirect All Other Reports, Requests and Inquiries to:\nPO Box 2008\nSumter, SC 29151-2008\n803.469.8600\n1.800.763.8600\n\nSAFE Federal Credit Union\nP.O. Box 2008, Sumter SC 29151-2008\n1.800.763.8600\n803.469.8600\n\n00029\nRev. 04.02.2020\nPage 12 of 12\n\n\x0c'