PARTNER FOR CHANGE VISA AGREEMENT AND DISCLOSURE STATEMENT6.CREDITSMerchantswhohonoryourcardandgiveyoucreditforreturnsoradjustmentswillprovideuswithacreditwhichwewillposttoyourAccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillapplythiscreditbalanceagainstfuturepurchasesandcashadvances,orrefundituponyourwrittenrequestifitis$1ormore.Anycreditbalancenotclearedwithin30dayswill be transferred to your Share Savings Account. 2.CREDITLINEIfweapproveyourapplication,wewillestablishaself-replenishingLineofCreditandnotifyyouofitsamountwhenweissuethecard.YouagreenottolettheAccountbalanceexceedthisapprovedCreditLine.EachpaymentwillrestoreyourCreditLinebytheamountofthepayment(excludinganyoverlimitamount);however,SAFEatitssoleandabsolutediscretion,reservestherighttodelaytherestorationofyourCreditLineforupto15days.Financechargesandotherchargeswillceasetoaccrueontheamountofpaymentasofthedateofreceipt.YoumayrequestanincreaseinyourCreditLinebycallingSAFE'sCallCenterorbyvisitinganySAFEbranch.Bygivingyouwrittennotice,yourCreditLinemaybereducedfromtimetotime,orwithgoodcause,yourcardmayberevokedandthisAgreementterminated.GoodcauseincludesyourfailuretocomplywiththisAgreement,orouradversereevaluationofyourcreditworthiness.YoumayalsoterminatethisAgreementatanytime,butterminationbyeitheryouorusdoesnotaffectyourobligationtopaytheAccountbalance.Thecardsremainourpropertyandyoumustsurrenderall cards upon our request and upon termination of this Agreement.3.USINGTHECARDTomakeapurchaseorcashadvance,presentthecardtoaparticipatingVisaplanmerchant,tous,ortoanotherfinancialinstitutionandsignthesalesorcashadvancedraftwhichwillbeimprintedwithyourcard.Youwillreceiveacopyofthedraftorreceiptwhichyoushouldretaintoverifyyourmonthlystatement.Wereservetherighttomakeareasonablechargeforphotocopiesofdraftsyoumayrequest,asdisclosedintheFeeSchedule.YoumayalsomakeadvancesatanySAFEATM,NetworkATM,orATMsdisplayingtheVisalogo.Internetgamblingmaybeillegalinthejurisdictioninwhichyouarelocated,includingtheUnitedStates.Yourcardmayonlybeusedforlegaltransactions.DisplayofpaymentcardlogobyanonlinemerchantdoesnotmeanthatInternetgamblingtransactionsarelawfulinalljurisdictions in which you may be located.1.RESPONSIBILITYIfweissueyouacard,youagreetorepayalldebtsandtheFINANCECHARGEarisingfromtheuseofthecardandthecardAccount.Forexample,youareresponsibleforchargesmadebyyourself,yourspouse,andminorchildren.Useofthecardbyanyoneelsewillbepresumedtobewithyourconsent.Youwillbeconsideredresponsibleforallresultingcharges.Youmustnotifyusinwritingofpossibleunauthorizeduse.Toprotectyourrights,wemusthearfromyounolaterthan60daysafterwesentthefirststatementonwhichtheunauthorizeduseappeared.YourobligationtopaytheAccountbalancecontinueseventhoughanagreement,divorcedecree,orothercourtjudgmenttowhichwearenotapartymaydirectyouoroneoftheotherpersonsresponsibletopaytheAccount.Anyandallpersonssigningontheaccountareentitledtoacarduponrequest.YouagreethatalltransactionsthatyouinitiatebyuseoftheCardarelegalinthejurisdictionwhereyouliveand/orthetransactionoccurs.YouagreetorepayaccordingtothetermsofthisAgreementalltransactions you initiate by use of the Card.4.MONTHLYPAYMENTSWewillapplyyourpaymentsfirsttoFINANCECHARGES,thentolatefees(ifany),andthentotheprincipalbalance.IfyouraccounthasbalanceswithdifferentAPRs,wewillallocatetheamountofyourpaymentequaltotheMinimumPaymentDuetothelowestAPRbalancesfirst.PaymentamountsinexcessofyourMinimumPaymentDuewillbeappliedtobalanceswithhigherAPRsbeforebalanceswithlowerAPRs.EachmonthyoumustpayatleasttheMinimumPaymentbytheduedateonyourstatement.Byseparateagreement,youmayauthorizeustochargetheMinimumPaymentautomaticallytoyourShareSavings,SAFEChecking,orMoneyMarketaccount.YouwillreducetheFINANCECHARGEbypayingmorefrequently,payingmorethantheMinimumPayment,orpayingtheTotalNewBalanceinfull.TheMinimumPaymentwilleitherbe(a)2%ofyourTotalNewBalance,or$10,whicheverisgreater,or(b)yourTotalNewBalanceifitislessthan$10plus(c)anyportionoftheMinimumPaymentshownonpriorstatementswhichremainsunpaid.Inaddition,anytimeyourTotalNewBalanceexceedsyourApprovedCreditLimit,youmustimmediatelypayanyamountinexcessofyourcreditlimit. 5.LATEFEESIfyourpaymentisnotreceivedwithin15daysofthePaymentDueDateshownonyourmonthlystatement,youwillbechargedalatefee of $15 or minimum payment amount, whichever is less.7.SECURITYINTERESTTosecureyourAccount,yougrantusapurchasemoneysecurityinterestundertheUniformCommercialCodeinanygoodsyoupurchasethroughtheAccount.Ifyoudefault,wewillhavetherighttorecoveranyofthesegoodswhichhavenotbeenpaidforthroughpaymentsappliedinthemannerdescribedinparagraph4.Collateralsecuringotherloanswithusmayalsosecurethisloan.ThecollateralalsosecuresanyotheradvancesInowhaveorwillreceiveinthefutureunderthisAgreement.Also,thecollateralsecuresanyotherloanadvances,overdrafts,negativebalances,returneditemsfornon-sufficient funds, or any sums I owe or will owe the Credit Union for 8.FOREIGNTRANSACTIONEXCHANGERATETheexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsisarateselectedbyVisafromtherangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichmayvaryfromtherateVisaitselfreceives,orthegovernment-mandated rate in effect for the applicable central processing date.9.FOREIGNTRANSACTIONFEEAfeeofupto1percentofthetransactionamountischargedfortransactionsconductedoutsidetheUnitedStates. 11.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPaymentwithin10daysofthePaymentDueDate.Youwillalsobeindefaultifyourabilitytorepayismateriallyreducedbyanincreaseinyourobligations,bankruptcy,insolvencyproceedinginvolvingyou,yourdeath,yourfailuretoabidebytheAgreement,ifthevalueofoursecurityinterestmateriallydeclines,orifyouhavemadeordomakeanyfalseormisleadingstatementsinfurnishingyourfinancialinformationandotherinformationtous.WehavetherighttodemandimmediatepaymentinfullofyourAccountifyoudefault,subjecttoourgivingyouanynoticerequiredbylaw.Totheextentpermittedbylaw,youwillalsoberequiredtopayourcollectionexpenses,includingcourtcostsandreasonable attorney fees. 10.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofanyplanmerchantorfinancialinstitutiontohonoryourcard.Wearesubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththecardonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplanmerchant,and:(a)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or(b)yourpurchasecostmorethan$50andwasmadefromaplanmerchantinyourstateorwithin100milesofyourhome.Youmustresolveanyotherdisputes directly with the plan merchant.13.CREDITLIFEANDDISABILITYIunderstandthatCreditLifeandDisabilityInsuranceisnotrequiredbyyoutoobtainmyloan.Ifselected,IacknowledgereceivingacopyoftheCreditInsuranceApplication/Scheduleandhavemadethechoiceofinsurancecoverageindicatedthereon.ThecostofanyinsuranceIhavechosenisaddedtomybalancemonthlyandwillaccrueFINANCECHARGESfromthedaycostisadded.14.EFFECTOFAGREEMENTThisagreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughsales,cashadvance,orcreditslipsmaycontaindifferentterms.Wemayamendthisagreementfromtimetotimebysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentpermittedbylaw,andasindicatedinournotice,amendmentswillapplytoyourexistingAccountbalanceaswellasfuturetransactions.WereservetherighttoreviewyourcreditandeitherincreaseordecreaseyourcreditlimitorAPRfornewbalances.APRincreaseswillnotimpactexistingbalancesunlessyouaremorethan60dayslatewithapaymentorunlessotherwisepermittedbyapplicable law.S-725V   06/25/2012InthisAgreement,thewordsyouandyourmeaneachandallofthosewhoapplyfortheaccountorwhosignthisAgreement.CardmeanstheVisaCreditCardandanyduplicatesandrenewalsweissue.AccountmeansyourVisaLineofCreditAccountwithus.We,us,andoursmeanthiscreditunion.(continued on reverse)12.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstandingwhenopening,renewing,orreviewingyourAccount,andyouauthorizeustodiscloseinformationregardingyourAccounttocreditbureausandothercreditorswhoinquireaboutyourcreditstandingtotheextentauthorizedinourbylaws.Asrequiredbylaw,youareherebynotifiedthatanegativecreditreportreflectingonyourcreditrecordmaybesubmittedtoacreditreportingagencyifyou fail to fulfill the terms of your credit obligations.15.NON-WAIVERPROVISIONWecandelayenforcinganyofourrightsunder this Agreement without losing them.  If any terms of this Agreement arefound to be unenforceable, all other provisions will remain in full force.anyreasonnoworinthefuture.CollateralpledgedassecurityforotherloansImayhavewiththeCreditUnionwillalsobesecurityforthisAgreement.Thiscross-collateralprovisiondoesnotapplytoloanssecuredbymyprincipaldwelling or other real property I may own. 16.SAFEDONATIONPROGRAMTERMSANDCONDITIONS:TobeeligibleforthedonationonthePartnerforChangeVisaCard,youmustmakeatleast$1,000inPurchasesineachcalendaryear,youraccountmustnotbemorethan30dayspastduefromJanuary1sttothetimeofsendingthedonation,andyoumustotherwisebeamemberingoodstanding.ThePartnerforChangeVisa®Linemustbeopenasofyear-endforthedonationtobepaidbytheendofFebruary(twomonthsfollowingyear-end).Eachyearwedeterminethedollaramountofpurchasesthatpostedtoyouraccountduringthecalendaryear,lessanypurchasecredits,returnsoradjustmentsotherthanpayments.Aslongasyoumeettheabovestatedrequirements,SAFEwilldonateupto1%oftotalpurchasestotheorganizationyouselected.NodonationispaidonCashAdvances,includingConvenienceChecks,ATMwithdrawalsandBalanceTransfers.ThelistoforganizationsparticipatingintheProgramissubjecttochangeandanyorganization’spartnershipmaybediscontinuedatanytimewithoutnotice.Foracurrentlistofparticipatingorganizations,callusat(916)979-7233orvisitourwebsiteatwww.safecu.org.Wereservetherighttochange,deletefrom,oraddtotheDonationProgramTermsandConditions,ortoadd,eliminateorchangetheDonationProgramorterminatetheProgramentirely(“ProgramChanges”).WhenProgramChangesaremade,wewill,atouroption,postthemtoourwebsiteorprovideyouwithnotice.Wereservetherighttodenyyour Program eligibility at any time. (continued from reverse)22.VISAINTERNATIONALSERVICECENTER-Foradditionalinformationorclaiminformationonthefollowingservices,call(800)VISA911(800-947-2911): Auto Rental Insurance, Emergency Card & Cash, Travel & Emergency Assistance Service, Visa Phone, and Warranty Manager Service. 20.CASHADVANCEFEEForeachcashadvance(excludingcashadvancestakenatanySAFEATM,throughCALL-24,orOnlineBanking)thereisatransactioncharge equal to 3% of the amount of the advance or $10, whichever is greater.  The charge will be billed to your monthly Visa statement.19.HOWTOAVOIDPAYINGINTERESTONPURCHASESYouhaveuntilthepaymentduedate(25daysfromthebillingcycle)topayyourbalanceinfullbeforeaFINANCECHARGE(interest)isassessedonthepurchasebalance.Ifyoudonotpayyourbalanceinfullbythepaymentduedate,youwillbechargedaFINANCECHARGEonthethenoutstandingpurchasebalanceandonfuturepurchasesfromthetransactiondate.IfduringthepreviousbillingcycleyouPaidinFullbythePaymentDueDate,theninthecurrentbillingcycleyouwillhaveaGracePeriodontheamountofthePurchasebalanceremainingfromthepreviousbillingcyclethatispaidbythePaymentDueDate,basedonourpaymentallocationmethod.Wewillbegincharginginterestoncashadvancesandbalancetransfersasofthetransaction date.17.CONSENTTOSECURITYINTERESTINACCOUNTSA.  In consideration for and as a condition of SAFE Credit Union issuing a credit card to you, you consent to our taking a security interest in funds inyour Credit Union accounts, without advance notice to you, as to any payment delinquency. B.  This consensual lien does not restrict your right to withdraw funds prior to the exercise of the Credit Union's right and is not a pledge by you of anyaccount. Any exercise of the right of offset by the Credit Union is not an election of remedies.18.FINANCECHARGE–YouraccountwillbesubjecttoaFINANCECHARGE(interest)attheperiodicrateof0.742%-1.575%permonthwhichcorrespondstoanANNUALPERCENTAGERATEof8.90%-18.90%onthepurchaseandAdvanceAverageDailyBalances.ThisrateisavariableratewhichmaybechangedmonthlybasedonthemovementsoftheWallStreetJournalPrimeRate,whichisthePrimeRatepublishedthe15thofeachmonthintheWallStreetJournal,WesternEdition,plus5.65-15.65percentagepoints.ThereisnolimitationontheamountofincreaseintheANNUALPERCENTAGERATE.AnincreaseinthePrimeRatewillresultinanincreaseintheamountofyourFINANCECHARGE,minimumperiodicpayment,andOutstandingBalance.Wefiguretheinterestchargeonyouraccountbyapplyingtheperiodicratetothe“averagedailybalance”ofyouraccount.Togetthe“averagedailybalance”wetakethebeginningbalanceofofyouraccounteachday,addanynewpurchases,advancesandfees,andsubtractanyunpaidinterestorotherfinancechargesandanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesusthe“averagedaily balance."   PARTNER FOR CHANGE VISAFor Credit Card tips fromthe Federal Reserve BoardAPR for Balance TransfersAPR for Cash AdvancesPenalty APR and When it AppliesPaying Interest Minimum Interest Charge21.90%.ThisAPRmaybeappliedtoyouraccountifyou1.Makealatepayment.2.Makeapaymentthatisreturned.HowLongwillthePenaltyAPRApply?:IfyourAPRsareincreasedforanyofthesereasons,thePenaltyAPRwillapplyuntilyoumakesixconsecutive minimum payments when due.Yourduedateisatleast25daysafterthecloseofeachbillingcycle.Wewillnotchargeyouanyinterestonpurchasesifyoupayyourentirebalancebytheduedateeachmonth.NoneTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. Annual FeeInterest Rates and Interest ChargesNoneTransaction Fees- Cash Advance- Foreign TransactionEither$10or3%oftheamountofeachtransaction,whicheverisgreaterUpto1%ofthetransactionamountFeesPenalty Fees- Late Payment- Returned Payment$15orminimumpaymentamount,whicheverislessifpaymentnotreceivedwithin15days of due dateAtcost,nottoexceed$10HowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."SeeSection18.FINANCECHARGE on your account agreement for more details.BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyouragreement.Annual Percentage Rate(APR) for Purchases8.90%-18.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.8.90%-18.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.8.90%-18.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.21.INTERESTRATEADJUSTMENTAninterestrateadjustmentwilloccurwhenyouraccountis60daysormorepastdue.Ifyouraccountis60dayspastdue,theinterestrateforexistingandnewbalanceswillbeincreasedtoanANNUALPERCENTAGERATEof21.90%.Thisinterestrateincreasewillbeeffectivebeginningafter45-daynoticeisprovidedtoyou.Theinterestrateadjustmentwillterminateifyoumaketherequiredminimumpaymentsforsixconsecutivemonths.