PLATINUM CASH REWARDS VISA  AGREEMENT AND DISCLOSURE STATEMENTS-1064V  11/25/2013InthisAgreement,thewordsyouandyourmeaneachandallofthosewhoapplyfortheaccountorwhosignthisAgreement.CardmeanstheVisaCreditCardandanyduplicatesandrenewalsweissue.AccountmeansyourVisaLineofCreditAccountwithus.We,us,andoursmeanthiscreditunion.(continued on reverse)6.CREDITSMerchantswhohonoryourcardandgiveyoucreditforreturnsoradjustmentswillprovideuswithacreditwhichwewillposttoyourAccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillapplythiscreditbalanceagainstfuturepurchasesandcashadvances,orrefundituponyourwrittenrequestifitis$1ormore.Anycreditbalancenotclearedwithin30dayswill be transferred to your Share Savings Account. 7.FOREIGNTRANSACTIONEXCHANGERATETheexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsisarateselectedbyVisafromtherangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichmayvaryfromtherateVisaitselfreceives,orthegovernment-mandated rate in effect for the applicable central processing date.8.FOREIGNTRANSACTIONFEEAfeeofupto1percentofthetransactionamount is charged for transactions conducted outside the United States.9.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofanyplanmerchantorfinancialinstitutiontohonoryourcard.Wearesubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththecardonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplanmerchant,and:(a)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or(b)yourpurchasecostmorethan$50andwasmadefromaplanmerchantinyourstateorwithin100milesofyourhome.Youmustresolveanyotherdisputes directly with the plan merchant.10.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPaymentwithin10daysofthePaymentDueDate.Youwillalsobeindefaultifyourabilitytorepayismateriallyreducedbyanincreaseinyourobligations,bankruptcy,insolvencyproceedinginvolvingyou,yourdeath,yourfailuretoabidebytheAgreement,orifyouhavemadeordomakeanyfalseormisleadingstatementsinfurnishingyourfinancialinformationandotherinformationtous.WehavetherighttodemandimmediatepaymentinfullofyourAccountifyoudefault,subjecttoourgivingyouanynoticerequiredbylaw.Totheextentpermittedbylaw,youwillalsoberequiredtopayourcollectionexpenses,including court costs and reasonable attorney fees.11.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstandingwhenopening,renewing,orreviewingyourAccount,andyouauthorizeustodiscloseinformationregardingyourAccounttocreditbureausandothercreditorswhoinquireaboutyourcreditstandingtotheextentauthorizedinourbylaws.Asrequiredbylaw,youareherebynotifiedthatanegativecreditreportreflectingonyourcreditrecordmaybesubmittedtoacreditreportingagencyifyou fail to fulfill the terms of your credit obligations.12.CREDITLIFEANDDISABILITYIunderstandthatCreditLifeandDisabilityInsuranceisnotrequiredbyyoutoobtainmyloan.Ifselected,IacknowledgereceivingacopyoftheCreditInsuranceApplication/Scheduleandhavemadethechoiceofinsurancecoverageindicatedthereon.ThecostofanyinsuranceIhavechosenisaddedtomybalancemonthlyandwillaccrueFINANCE CHARGES from the day the cost is added.13.EFFECTOFAGREEMENTThisagreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughsales,cashadvances,orcreditslipsmaycontaindifferentterms.Wemayamendthisagreementfromtimetotimebysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentpermittedbylaw,andasindicatedinournotice,amendmentswillapplytoyourexistingAccountbalanceaswellasfuturetransactions.WereservetherighttoreviewyourcreditandeitherincreaseordecreaseyourcreditlimitorAPRfornewbalances.APRincreaseswillnotimpactexistingbalancesunlessyouaremorethan60dayslatewithapaymentorunlessotherwisepermittedbyapplicable law.14.NON-WAIVERPROVISIONWecandelayenforcinganyofourrightsunderthisAgreementwithoutlosingthem.IfanytermsofthisAgreementarefound to be unenforceable, all other provisions will remain in full force. 1.RESPONSIBILITYIfweissueyouacard,youagreetorepayalldebtsandtheFINANCECHARGEarisingfromtheuseofthecardandthecardAccount.Forexample,youareresponsibleforchargesmadebyyourself,yourspouse,andminorchildren.Useofthecardbyanyoneelsewillbepresumedtobewithyourconsent.Youwillbeconsideredresponsibleforallresultingcharges.Youmustnotifyusinwritingofpossibleunauthorizeduse.Toprotectyourrights,wemusthearfromyounolaterthan60daysafterwesentthefirststatementonwhichtheunauthorizeduseappeared.YourobligationtopaytheAccountbalancecontinueseventhoughanagreement,divorcedecree,orothercourtjudgmenttowhichwearenotapartymaydirectyouoroneoftheotherpersonsresponsibletopaytheAccount.Anyandallpersonssigningontheaccountareentitledtoacarduponrequest.YouagreethatalltransactionsthatyouinitiatebyuseoftheCardarelegalinthejurisdictionwhereyouliveand/orthetransactionoccurs.YouagreetorepayaccordingtothetermsofthisAgreement all transactions you initiate by use of the Card.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.DisplayofpaymentcardlogobyanonlinemerchantdoesnotmeanthatInternetgamblingtransactionsarelawfulinalljurisdictionsinwhich you may be located.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,youwillbechargedalatefeeof$15or minimum payment amount, whichever is less. 15.FINANCECHARGE–YouraccountwillbesubjecttoaFINANCECHARGE(interest)attheperiodicrateof0.825%-1.325%permonthwhichcorrespondstoan ANNUAL PERCENTAGE RATE of  9.90% - 15.90% on the purchase and Advance Average Daily Balances. This rate is a variable rate which may be changedmonthly 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, WesternEdition, plus 6.65 – 12.65 percentage points. There is no limitation on the amount of increase in the ANNUAL PERCENTAGE RATE. An increase in the Prime Ratewill result in an increase in the amount of your FINANCE CHARGE, minimum periodic payment, and Outstanding Balance. We figure the interest charge on youraccount 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 accounteach 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 dailybalance. 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 dailybalance."   ®(continued from reverse)16.HOWTOAVOIDPAYINGINTERESTONPURCHASESYouhaveuntilthepaymentduedate(25daysfromthebillingcycle)topayyourbalanceinfullbeforeaFINANCECHARGE(interest)isassessedonthepurchasebalance.Ifyoudonotpayyourbalanceinfullbythepaymentduedate,youwillbechargedaFINANCECHARGEonthethenoutstandingpurchasebalanceandonfuturepurchasesfromthetransactiondate.IfduringthepreviousbillingcycleyouPaidinFullbythePaymentDueDate,theninthecurrentbillingcycleyouwillhaveaGracePeriodontheamountofthePurchasebalanceremainingfromthepreviousbillingcyclethatispaidbythePaymentDueDate,basedonourpaymentallocationmethod.Wewillbegincharginginterestoncashadvancesandbalancetransfersasofthetransaction date.17.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.18.INTERESTRATEADJUSTMENTAninterestrateadjustmentwilloccurwhenyouraccountis60daysormorepastdue.Ifyouraccountis60dayspastdue,theinterestrateforexistingandnewbalanceswillbeincreasedtoanANNUALPERCENTAGERATEof21.90%.Thisinterestrateincreasewillbeeffectivebeginning 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.VISAINTERNATIONALSERVICECENTERForadditionalinformationorclaiminformationonthefollowingservices,call(800)VISA911(800-847-2911):Auto Rental Insurance, Emergency Card & Cash, Travel & Emergency Assistance Service, Visa Phone, and Warranty Manager Service. 20.CONCIERGESERVICEForadditionalinformationregardingConciergeServicecall1-877-860-1099.21.PLATINUMCASHREWARDSSCORECARDCREDITSYouwillreceiveastatementquarterlyidentifyingthenumberofavailableCashRewardscreditsearned.DesignatedredemptionlevelsforCashRewardsaresubjecttochangefromtimetotimewithoutnotice.RefertotheSAFEPlatinumCashRewardsProgramTermsandConditionsorvisittheScoreCardwebsiteatwww.scorecardrewards.comandseeRulesforcompletedetails.ForCashRewardsquestions,contacttheScoreCard Service Center at 1-800-854-0790.22.WEMAYCONTACTYOU-SERVICINGANDCOLLECTIONSIfweneedtocontactyoutoserviceyouraccountortocollectanamountyouowe,youauthorizedus(andouraffiliates,agentsandcontractors)tocontactyouatanynumberyouprovide,fromwhichyoucallus,oratwhichwebelievewecanreachyou.Wemaycontactyouinanyway,suchascallingortexting.Wemaycontactyouusinganautomateddialerorprerecordedmessages.Wemaycontactyouonamobile,wireless,orsimilardevice,evenifyouarechargedforit.CALLMONITORING:Fromtimetotimewemaymonitorand/orrecordcallsbetweenyouandustoassurethe quality of our customer service, or as required by applicable law.  PLATINUM CASH REWARDS VISAFor Credit Card tips fromthe Consumer FinancialProtection BureauAPR 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.Wewillnotchargeyouanyinterestonpurchasesifyoupayyourentirebalancebytheduedateeach month.NoneTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau atwww.consumerfinance.gov/learnmore. Annual FeeInterest Rates and Interest ChargesNoneTransaction Fees- Balance Transfer- Cash Advance- Foreign TransactionNoneEither$10or3%oftheamountofeachtransaction,whicheverisgreaterUpto1%ofthetransactionamountFeesPenalty Fees- Late Payment- Returned Payment$15orminimumpaymentamount,whicheverislessifpaymentnotreceivedwithin 15 days of due dateAtcost,nottoexceed$10HowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."SeeSection15.FINANCECHARGE on your account agreement for more details.BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyouragreement.Annual Percentage Rate(APR) for Purchases9.90%-15.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.9.90%–15.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.9.90%-15.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.