STUDENT VISA CARD AGREEMENT AND DISCLOSURE STATEMENTInthisAgreement,thewordsyouandyourmeaneachandallofthosewhoapplyfortheaccountorwhosignthisAgreement.CardmeanstheVisaCreditCardandanyduplicatesandrenewalsweissue.AccountmeansyourVisaLineofCreditAccountwithus.We,us,andoursmeanthiscreditunion.S-473VS  11/1/2012(continued on reverse)6.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.FOREIGNTRANSACTIONEXCHANGERATETheexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsisarateselectedbyVisafromtherangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichmayvaryfromtherateVisaitselfreceives,orthegovernment-mandated rate in effect for the applicable central processing date.10.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPaymentwithin10daysofthePaymentDueDate.Youwillalsobeindefaultifyourabilitytorepayismateriallyreducedbyanincreaseinyourobligations,bankruptcy,insolvencyproceedinginvolvingyou,yourdeath,yourfailuretoabidebytheAgreement,orifyouhavemadeordomakeanyfalseormisleadingstatementsinfurnishingyourfinancialinformationandotherinformationtous.WehavetherighttodemandimmediatepaymentinfullofyourAccountifyoudefault,subjecttoourgivingyouanynoticerequiredbylaw.Totheextentpermittedbylaw,youwillalsoberequiredtopayourcollectionexpenses,including court costs and reasonable attorney fees. 9.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofanyplanmerchantorfinancialinstitutiontohonoryourcard.Wearesubjecttoclaimsanddefenses(otherthantortclaims)arisingoutofgoodsorservicesyoupurchasewiththecardonlyifyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplanmerchant,and:(a)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;or(b)yourpurchasecostmorethan$50andwasmadefromaplanmerchantinyourstateorwithin100milesofyourhome.Youmustresolveanyotherdisputes directly with the plan merchant.12.CREDITLIFEANDDISABILITYIunderstandthatCreditLifeandDisabilityInsuranceisnotrequiredbyyoutoobtainmyloan.Ifselected,IacknowledgereceivingacopyoftheCreditInsuranceApplication/Scheduleandhavemadethechoiceofinsurancecoverageindicatedthereon.ThecostofanyinsuranceIhavechosenisaddedtomybalancemonthlyandwillaccrueFINANCECHARGESfromthedaythecostisadded.13.EFFECTOFAGREEMENTThisagreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughsales,cashadvance,orcreditslipsmaycontaindifferentterms.Wemayamendthisagreementfromtimetotimebysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentpermittedbylaw,andasindicatedinournotice,amendmentswillapplytoyourexistingAccountbalanceaswellasfuturetransactions.WereservetherighttoreviewyourcreditandeitherincreaseordecreaseyourcreditlimitorAPRfornewbalances.APRincreaseswillnotimpactexistingbalancesunlessyouaremorethan60dayslatewithapaymentorunlessotherwisepermittedbyapplicable law.11.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstandingwhenopening,renewing,orreviewingyourAccount,andyouauthorizeustodiscloseinformationregardingyourAccounttocreditbureausandothercreditorswhoinquireaboutyourcreditstandingtotheextentauthorizedinourbylaws.Asrequiredbylaw,youareherebynotifiedthatanegativecreditreportreflectingonyourcreditrecordmaybesubmittedtoacreditreportingagencyifyou fail to fulfill the terms of your credit obligations.14.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.8.FOREIGNTRANSACTIONFEEAfeeofupto1percentofthetransaction amount is charged for transactions conducted outside the UnitedStates. 15.FINANCECHARGE-REGULARRATEYourAccountwillbesubjecttoaFINANCECHARGE(interest)attheperiodicrateof0.742%-1.575%permonthfwhichcorrespondstoanANNUALPERCENTAGERATEof8.90%-18.90%onthePurchaseandAdvanceAverageDailyBalances.ThisrateisavariableratewhichmaychangedmonthlybasedonthemovementsoftheWallStreetJournalPrimeRate,whichisthePrimeRatepublishedthe15thofeachmonthintheWallStreetJournal,WesternEdition,plus5.65-15.65percentagepoints.ThereisnolimitationontheamountofincreaseintheANNUALPERCENTAGERATE.AnincreaseinthePrimeRatewillresultinanincreaseintheamountofyourFINANCECHARGE,minimumperiodicpayment,andOutstandingBalance.Wefiguretheinterestchargeonyouraccountbyapplyingtheperiodicratetothe“averagedailybalance”ofyouraccount.Togetthe“averagedailybalance”wetakethebeginningbalanceofyouraccounteachday,addanynewpurchases,advancesandfees,andsubtractanyunpaidinterestorotherfinancechargesandanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesusthe “average daily balance."  (continued from reverse)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%.Thisinterestrateincreasewillbeeffectivebeginningafter45-daynoticeisprovidedtoyou.Theinterestrateadjustmentwillterminateifyoumaketherequiredminimumpaymentsforsixconsecutivemonths.16.HOWTOAVOIDPAYINGINTERESTONPURCHASESYouhaveuntilthepaymentduedate(25daysfromthebillingcycle)topayyourbalanceinfullbeforeaFINANCECHARGE(interest)isassessedonthepurchasebalance.Ifyoudonotpayyourbalanceinfullbythepaymentduedate,youwillbechargedaFINANCECHARGEonthethenoutstandingpurchasebalanceandonfuturepurchasesfromthetransactiondate.IfduringthepreviousbillingcycleyouPaidinFullbythePaymentDueDate,theninthecurrentbillingcycleyouwillhaveaGracePeriodontheamountofthePurchasebalanceremainingfromthepreviousbillingcyclethatispaidbythePaymentDueDate,basedonourpaymentallocationmethod.Wewillbegincharginginterestoncashadvancesandbalancetransfersasofthetransaction date. STUDENT VISAFor Credit Card tips fromthe Federal ReserveBoardAPR 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 Federal Reserve Board at http://www.federalreserve.gov/creditcard.Interest Rates and Interest ChargesHowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."SeeSection17.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. Annual Fee- Classic and StudentNoneTransaction Fees- Cash Advance- Foreign TransactionEither$10or3%oftheamountofeachtransaction,whicheverisgreaterUpto1%ofthetransactionamountFeesPenalty Fees- Late Payment- Returned Payment$15orminimumpaymentamount,whicheverislessifpaymentnotreceivedwithin15days of due dateAtcost,nottoexceed$108.90%-18.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.