STUDENT VISA  CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

® 

In this Agreement, the words you and your mean each and all of those who apply for the account or who sign this Agreement.  Card means the Visa Credit Card and 
any duplicates and renewals we issue.  Account means your Visa Line of Credit Account with us.  We, us, and ours mean this credit union. 

1.  RESPONSIBILITY If we issue you a card, you agree to repay all debts and 
the FINANCE CHARGE arising from the use of the card and the card Account. 
For example, you are responsible for charges made by yourself, your spouse, and 
minor children. Use of the card by anyone else will be presumed to be with your 
consent.  You  will  be  considered  responsible  for  all resulting  charges.  You  must 
notify  us  in  writing  of  possible  unauthorized  use.  To  protect  your  rights,  we 
must  hear  from  you  no  later  than  60  days  after  we  sent  the  first  statement  on 
which  the  unauthorized  use  appeared.  Your  obligation  to  pay  the    Account 
balance  continues  even  though  an  agreement,  divorce  decree,  or  other  court 
judgment to which we are not a party may direct you or one of the other persons 
responsible  to  pay  the Account.  Any  and  all persons  signing  on  the  account are 
entitled to a card upon request. You agree that all transactions that you initiate by 
use of the Card are legal in the jurisdiction where you live and/or the transaction 
occurs.  You  agree  to  repay  according  to  the  terms  of  this  Agreement  all 
transactions you initiate by use of the Card. 

2.  CREDIT  LINE  If  we  approve  your  application,  we  will  establish  a  self-
replenishing  Line  of  Credit  and  notify  you  of  its  amount  when  we  issue  the 
card. You agree not to let the Account balance exceed this approved Credit Line. 
Each  payment  will  restore  your  Credit  Line  by  the  amount  of  the  payment 
(excluding  any  over  limit  amount);  however,  SAFE  at  its  sole  and  absolute 
discretion, reserves the right to delay the restoration of your Credit Line for up to 
15 days. Finance charges and other charges will cease to accrue on the amount of 
payment  as  of  the  date  of  receipt.  You  may  request  an  increase  in  your  Credit 
Line  by  calling  SAFE's  Call Center or  by  visiting  any  SAFE  branch.  By  giving 
you  written notice,  your Credit Line  may be  reduced  from  time to  time, or  with 
good  cause,  your  card  may  be  revoked  and  this  Agreement  terminated.  Good 
cause  includes  your  failure  to  comply  with  this  Agreement,  or  our  adverse 
reevaluation of your creditworthiness.  You may also terminate this Agreement at 
any  time, but  termination by  either you  or us  does not  affect your  obligation  to 
pay the Account balance. The cards remain our property and you must surrender 
all cards upon our request and upon termination of this Agreement. 

3. USING THE CARD  To make a purchase  or  cash advance,  present the card 
to a participating Visa plan merchant, to us, or to another financial institution and 
sign the sales or cash advance draft which will be imprinted with your card. You 
will receive a copy of the draft or receipt which you should retain to verify  your 
monthly  statement.  We  reserve  the  right  to  make  a  reasonable  charge  for 
photocopies  of  drafts  you  may  request,  as  disclosed  in  the  Fee  Schedule.  You 
may  also  make  advances  at  any  SAFE  ATM,  Network  ATM,  or  ATMs 
displaying  the  Visa  logo.  Internet  gambling  may  be  illegal in  the  jurisdiction in 
which you are located, including the United States. Your card may only  be used 
for legal transactions. Display of payment card logo by an online  merchant does 
not  mean  that  Internet  gambling  transactions  are  lawful  in  all  jurisdictions  in 
which you may be located. 

4.  MONTHLY  PAYMENTS  We  will  apply  your  payments  first  to  FINANCE 
CHARGES, then  to  late  fees (if  any),  and then  to  the  principal  balance.  If  your 
account  has  balances  with  different  APRs,  we  will  allocate  the  amount  of  your 
payment  equal  to  the  Minimum  Payment  Due  to  the  lowest  APR  balances  first. 
Payment  amounts  in  excess  of  your  Minimum  Payment  Due  will  be  applied  to 
balances  with  higher  APRs  before  balances  with  lower  APRs.  Each  month  you 
must pay  at  least the Minimum  Payment by  the due  date on  your  statement. By 
separate  agreement,  you  may  authorize  us  to  charge  the  Minimum  Payment 
automatically to your Share Savings, SAFE Checking, or Money Market account. 
You  will  reduce  the  FINANCE  CHARGE  by  paying  more  frequently,  paying 
more than the Minimum Payment, or paying the Total New Balance in full. The 
Minimum  Payment  will  either  be  (a)  2%  of  your  Total  New  Balance,  or  $10, 
whichever is greater, or (b) your Total New Balance if it is less than $10 plus (c) 
any portion  of the Minimum Payment shown on prior  statements which  remains 
unpaid.  In  addition,  any  time  your  Total  New  Balance  exceeds  your  Approved 
Credit  Limit,  you  must  immediately  pay  any  amount  in  excess  of  your  credit 
limit. 

5. LATE FEES If  your payment is not received within 15 days of the Payment 
Due Date shown on your monthly statement, you will be charged a late fee of $15 
or minimum payment amount, whichever is less. 

6.  CREDITS  Merchants  who  honor  your  card  and  give  you  credit  for  returns 
or adjustments will provide us with a credit which we will post to your Account. 
If  your  credits and payments  exceed what you  owe us,  we  will apply this credit 
balance  against  future  purchases  and  cash  advances,  or  refund  it  upon  your 
written request if it is $1 or more. Any credit balance not cleared within 30 days 
will be transferred to your Share Savings Account. 

7.  FOREIGN  TRANSACTION  EXCHANGE  RATE  The  exchange  rate 
between  the  transaction  currency  and  the  billing  currency  used  for  processing 
international  transactions  is  a  rate  selected  by  Visa  from  the  range  of  rates 
available  in  wholesale  currency  markets  for  the  applicable  central  processing 
date,  which may  vary  from  the  rate  Visa  itself  receives,  or  the  government-
mandated rate in effect for the applicable central processing date. 

8.  FOREIGN  TRANSACTION  FEE  A  fee  of  up  to  1  percent  of  the 
transaction  amount  is  charged  for  transactions  conducted  outside  the  United 
States. 

9.  PLAN MERCHANT DISPUTES  We  are  not  responsible  for  the  refusal  of 
any plan  merchant  or  financial  institution to  honor  your  card. We  are subject to 
claims and defenses (other than tort claims) arising out of goods or services you 
purchase with the card only if you have made a good faith attempt, but have been 
unable to obtain satisfaction from the plan merchant, and: (a) your purchase was 
made in response  to an advertisement  we sent or participated in sending you; or 
(b)  your  purchase  cost  more  than  $50  and  was  made  from  a  plan  merchant  in 
your  state  or  within  100  miles  of  your  home.  You  must  resolve    any    other 
disputes directly with the plan merchant. 

10.  DEFAULT  You  will  be  in  default  if  you fail  to  make  any  Minimum 
Payment within 10 days of the Payment Due Date. You will also be in default if 
your  ability  to  repay  is  materially  reduced  by  an  increase  in  your  obligations, 
bankruptcy,  insolvency  proceeding  involving  you,  your  death,  your  failure  to 
abide by the Agreement, or if you have made or do make any false or misleading 
statements  in  furnishing  your  financial  information  and  other  information  to  us. 
We have the right to demand  immediate payment in full of your  Account  if you 
default,  subject  to  our  giving  you  any  notice  required  by  law.  To  the  extent 
permitted  by  law,  you  will  also  be  required  to  pay  our  collection  expenses, 
including court costs and reasonable attorney fees. 

11.  CREDIT  INFORMATION  You  authorize  us  to  investigate  your  credit 
standing when opening, renewing, or reviewing your Account, and you authorize 
us  to  disclose  information  regarding  your  Account  to  credit  bureaus  and  other 
creditors  who  inquire  about  your  credit  standing  to  the  extent  authorized  in  our 
bylaws. As required by law, you are hereby notified  that a negative credit report 
reflecting on your credit record may be submitted to a credit reporting  agency if 
you fail to fulfill the terms of your credit obligations. 

12.  CREDIT  LIFE  AND  DISABILITY  You  understand  that  Credit  Life  and 
Disability  Insurance  is  not  required  by  us  to  obtain  your  loan.  If  selected,  you 
acknowledge receiving a copy  of  the Credit Insurance  Application/Schedule  and 
have  made the  choice of  insurance  coverage indicated thereon.  The  cost  of  any 
insurance  you  have  chosen  is  added  to  your  balance  monthly  and  will  accrue 
FINANCE CHARGES from the day the cost is added. 

13.  EFFECT OF AGREEMENT This agreement is the contract which applies 
to  all  transactions  on  your  Account  even  though  sales,  cash  advance,  or  credit 
slips  may  contain  different  terms.  We  may  amend  this  agreement  from  time  to 
time  by  sending  you  the  advance  written  notice  required  by  law.  To  the  extent 
permitted by law, and as indicated in our notice, amendments will apply to your 
existing  Account  balance  as  well  as  future  transactions.  We  reserve  the  right  to 
review  your  credit  and  either  increase  or  decrease  your  credit  limit  or  APR  for 
new  balances.  APR  increases  will  not  impact  existing  balances  unless  you  are 
more  than  60  days  late  with  a  payment  or  unless  otherwise  permitted  by 
applicable law. 

14.  NON-WAIVER  PROVISION  We  can  delay  enforcing  any  of  our  rights 
under  this  Agreement  without  losing  them.  If  any  terms  of  this  Agreement  are 
found to be unenforceable, all other provisions will remain in full force. 

15.  FINANCE CHARGE - REGULAR RATE  Your Account will be subject to a FINANCE CHARGE (interest) at the periodic rate of 1.638% per month f which 
corresponds to an ANNUAL PERCENTAGE RATE of 19.65% on the Purchase, Advance and Balance Transfer Average Daily Balances. This rate is a variable rate 
which  may change  monthly  based  on  the  movements  of the  Wall Street  Journal  Prime Rate, which is the Prime  Rate published  the 15th  of  each month in the  Wall 
Street Journal, Western Edition, plus 15.65 percentage points. There is no limitation on the amount of increase in the ANNUAL PERCENTAGE RATE. An increase in 
the  Prime Rate will result  in an increase in  the amount  of  your  FINANCE  CHARGE, minimum periodic  payment,  and Outstanding  Balance. We  figure the  interest 
charge on your account by applying the periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning balance 
of your account each day, add any new purchases, advances and fees, and subtract any unpaid interest or other finance charges and any payments or credits. This gives 
us  the  daily  balance.  Then,  we  add  up  all the  daily  balances  for  the  billing  cycle  and divide  the  total by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the 
“average daily balance." 

S-473VS  03/20/2017 

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16.  PAYING INTEREST  You have until the payment due date (25 days from the billing cycle) to pay your balance in full before a FINANCE CHARGE (interest) 
is  assessed  on  the  purchase  balance.  If  you  do  not  pay  your  balance  in  full  by  the  payment  due  date,  you  will  be  charged  a  FINANCE  CHARGE  on  the  then 
outstanding purchase balance and on future purchases from the transaction date. If during the previous billing cycle you Paid in Full by the Payment Due Date, then in 
the current billing cycle you will have a Grace Period on the amount of the Purchase balance remaining from the previous billing cycle that is paid by the Payment Due 
Date, based on our payment allocation method. We will begin charging interest on cash advances and balance transfers as of the transaction date. 

17.  CASH ADVANCE FEE  For each cash advance (excluding cash advances taken at any SAFE ATM, through CALL-24, or Online Banking) there is a transaction 
charge equal to 3% of the amount of the advance or $10, whichever is greater.  The charge will be billed to your monthly Visa statement. 

18.  INTEREST RATE ADJUSTMENT An interest rate adjustment will occur when your account is 60 days or more past due. If your account is 60 days past due, 
the  interest  rate  for  existing  and  new  balances  will  be  increased  to  an  ANNUAL  PERCENTAGE  RATE  of  21.90%.  This  interest  rate  increase  will  be  effective 
beginning after 45-day notice is provided to you. The interest rate adjustment will terminate if you make the required minimum payments for six consecutive months. 

19.  WE  MAY  CONTACT  YOU  -  SERVICING  AND  COLLECTIONS If  we  need  to  contact  you  to  service  your  account or  to  collect  an  amount you  owe,  you 
authorized us (and our affiliates, agents and contractors) to contact you at any number you provide, from which you call us, or at which we believe we can reach you. 
We may contact you in any way, such as calling or texting. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, 
wireless, or similar device, even if you are charged for it. CALL MONITORING From time to time we may monitor and/or record calls between you and us to assure 
the quality of our customer service, or as required by applicable law. 

Interest Rates and Interest Charges 

STUDENT VISA 

Annual Percentage Rate 
(APR) for Purchases 

19.65% This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

19.65% This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Penalty APR and 
When it Applies 

19.65%ThisAPRwillvarywiththemarketbasedonthePrimeRate. 
21.90%.This APR  may be  applied  to  your account  if you 1.  Make a  late payment.  2. 
Make a payment that is returned.How Long will the Penalty APR Apply?: If your APRs 
are increased for any of these reasons, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

Paying Interest 

Your  due  date  is  at  least  25  days  after  the  close  of  each  billing  cycle.  We  will  not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month. 

Minimum Interest Charge  None 

For Credit Card tips from 
the Consumer Financial 
Protection Bureau 
Fees 
Annual Fee 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Consumer Financial Protection Bureau at 
www.consumerfinance.gov/learnmore. 

- Classic and Student 

None 

Transaction Fees 

- Balance Transfer 

None 

- Cash Advance 

Either $10 or 3% of the amount of each transaction, whichever is greater 

- Foreign Transaction 
Penalty Fees 

- Late Payment 

Up to 1% of the transaction amount 

$15 or minimum payment amount, whichever is less if payment not received within 15 
days of due date 

- Returned Payment 

Up to $10 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Section 15. FINANCE 
CHARGE on your account agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement.