FEDERAL CREDIT UNION CCCOR 
Visa Platinum Rewards 
Credit Card Disclosures 
Effective April 2 , 2020 
Interest Rates and Interest Charges 
Annual Percentage 0.00% introductory rate for the first 12 billing cycles after a new account is opened . Rate (APR) for 
Purchases On the first day after 12 billing cycles from account opening, your APR will revert to your 
approved rate, which will vary with the market based on the Wall Street Journal prime rate. 
Rates range from 8.99%-18.00%* based on credit worthiness and prime rate. 
APR for Balance 1.99% introductory rate on balance transfers for the first 12 billing cycles after a new 
Transfers account is opened. 
On the first day after 12 billing cycles from account opening, your APR will revert to your 
approved rate, which will vary with the market based on the Wall Street Journal prime rate. 
Rates range from 8.99%-18.00%* based on credit worthiness and prime rate. 
APR for Cash Advances The APR for cash advances is 8.99%-18.00%* 
This APR will vary with the market based on the Wall Street Journal prime rate and is 
based on credit worthiness at the time of account opening. 
Penalty APR and When 
It Applies The penalty APR is 18.00% .  This APR may be applied to your account if you: 
(1) Make a Late Payment 
(2) Go Over Your Credit Limit 
(3) Make a Payment that is Returned; or 
(4) Do any of the above on Another Account You have with Us. 
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 6 consecutive minimum payments 
when due; and you do not again default on these conditions during this time. 
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 or cash advances if you pay your entire balance by the due 
date each month. We will begin charging interest on cash advances and balance transfers 
on the transaction date. 
Minimum Interest 
Payment If you are charged interest, the charge will be no less than $0.01. 
For Credit Card Tips To learn more about factors to consider when applying for or using a credit card, 
from the Consumer visit the website of the Consumer Financial Protection Bureau at: 
Financial Protection http://consumerfinance.gov/learnmore . 
Bureau 
SEE PAGE TWO FOR MORE IMPORTANT INFORMATION ABOUT YOUR ACCOUNT 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 1 of 12 
803.469.8600   
                                                                                                
                                               
                                                                                                                     
  
 
 
 
 
 
  
 
 
 
  
    
 
 
 
  
 
   
 
  
 
   
 
  
 
   
 
   
 
 
 
  
  
 
  
 
   
 
 
       
    
     
     
    
 
 
 
     
  
  
 
  
  
     
 
   
      
 
   
   
     
  
 
      
 
 
     
  
 
        
   
   
 
    
   
 
 
 CCCOR 
Fees 
Annual Fee None 
Transaction Fees Balance Transfer Fee: 2% of each advance with $10 .00 minimum 
Express Card Fee: $25.00 
Receipt Copy: $2.00 per receipt 
Lost or Stolen Card Replacement: $15.00 
Statements: $2.00 per statement 
Cash Advance Fee: 2% of each advance with $10 .00 minimum 
Foreign Transaction Fee: 1% of each international transaction in US Dollars 
Research Fee: $10.00 per hour (2 -hour minimum) 
Pay by Phone: $5.00 
Penalty Fees Late Payment Fee: up to $38.00 applied on any portion past due 3 days after due date 
Over -the-Credit Limit Fee: $0.00 
Returned Payment Fee: $25.00 
*APR applicable to your account is determined by your credit worthiness based on your Equifax Beacon Score at the time 
of application. Variable Rate Feature: The Visa credit cards have a v ariable rate feature, meaning that the APR 
(corresponding to the periodic rate) and the term of your Visa loan may change due to interest rate fluctuations. The APR 
includes only interest and no other costs. Changes in prime rate will cause changes in the APR as of the first day of your 
account's billing cycle following an index change. In no case shall any APR be less than 8.99% or higher than 18.00% 
regardless of the applicable index and margin, unless specifically applicable laws and/or regulations require we use a lower 
APR. 
Monthly 
Periodic 
Rate Annual 
Percentage 
Rate* Minimum Payment Monthly 
Periodic Rate Tier Annual 
Percentage 
Rate* Minimum 
Payment 
0.7491 % 
1.50%* -8.99% -
18.00%* 2.0% of balance or 
$25 minimum Shaded boxes represent promotional rates for the first 12 
months of newly opened accounts 
0.00% 0.00%1 2.0% of balance or 
$25 minimum 0.005452 % 1.99%2 2.0% of balance 
or $25 minimum 
1 Introductory rate offered on purchases for the first 12 billing cycles a new account is open. 
2 Introductory rate offered on balance transfers for the first 12 billing cycles a new account is open. 
1 & 2 Beginning on the first day of the 12 billing cyc les after the account has been open, purchases and cash advances will 
be subject to the approved interest rate and any changes based on Wall Street Journal prime disclosed at account opening. 
How we will calculate Your Balance: We will use a method calle d �average daily balance (including new purchases�). 
See 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 
account agreement. 
Security Interest: The credit union will acquire a security interest in the property purchased with your credit card; 
and collateral securing other loans with us may also secure this account. Also, you are giving us a security interest 
in all individual an d joint share and/or deposits accounts you have with us now or in the future. 
The information about the costs of the card described in this application is accurate as of April 2, 2020 . This 
information may have changed after that date. To find out what m ay have changed, call 800 -763-8600 or 803 -469-
8600, visit SAFEFED.ORG , or write SAFE Federal Credit Union, P. O. Box 2008, Sumter, SC 29151 -2008. 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 2 of 12 
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  CCCOR 
Please keep this Addendum as it is incorporated into and becomes a part of your LOANLINER� Open -End Plan. 
CREDIT CARD AGREEMENT AND DISCLOSURES 
Visa� Platinum Rewards 
THIS IS YOUR AGREEMENT AND DISCLOSURE 
STATEMENT WITH SAFE FEDERAL CREDIT UNION. 
PLEASE READ IT CAREFULLY AND KEEP IT FOR 
YOUR RECORDS. IT SUPERSEDES ALL PRIOR 
AGREEMENTS AND DISCLOSURE STATEMENTS 
RELATING TO YOUR ACCOUNT. YOU DO NOT HAVE 
TO SIGN THIS AGREEMENT. YOUR AGREEMENT TO 
ALL OF THESE PROVISIONS, AS AMENDED FROM 
TIME TO TIME INCLUDING THE CARD ISSUED BY US, 
WILL BE SHOWN BY YOUR APPLICATION FOR THE 
CARD , YOUR ACCEPTANCE OF THE CARD, OR 
YOUR USE OF THE CARD, WHICHEVER OCCURS 
FIRST. 
THIS AGREEMENT IS SUBJECT TO BINDING 
MANDATORY ARBITRATION AS SET FORTH IN 
YOUR MEMBERSHIP ACCOUNT AGREEMENT 
AND DISCLOSURES. THIS ARBITRATION 
PROVISION SUBSTANTIALLY LIMITS YOUR 
RIGHT TO BRING A LEGAL ACTION IN A JUDICIAL 
FORUM (EXCEPT FOR MATTERS THAT MA Y BE 
BROUGHT IN SMALL CLAIMS COURT AS SET 
FORTH IN THIS AGREEMENT. SEE YOUR 
MEMBERSHIP AGREEMENT WHICH IS 
INCORPORATED HEREIN BY REFERENCE FOR 
COMPLETE DETAILS. 
1. DEFINITIONS USED TO UNDERSTAND YOUR 
AGREEMENT WITH US 
In this Agreement, the word "Card" means either one or 
more Visa credit cards and any duplicates, renewals or 
substitutions we issue. The words, "you," "your," and 
"yours" mean all cardholders (borrowers and co -
borrowers) ; anyone any cardholder permits to use the 
Card(s); as well as any authorized user for whom an 
additional Card(s) is issued to the extent of their 
purchases and cash advances, as well as transactions by 
anyone they permit to use the Card(s). The word 
"card holder" means any applicant or co -applicant to 
whom a Card is issued by us. The words "Credit Union," 
"we," "us," and "our" mean SAFE Federal Credit Union. 
The words "Convenience Checks" mean one or more 
checks that we may send to you to access your Credit 
Card Account. �Applicable Law� shall include: �(i) Visa 
U.S.A. Inc. Bylaws, Visa U.S.A. Inc. Operating 
Regulations, Visa U.S.A. Inc. Certificate of Incorporation, 
Visa International Bylaws, and Visa International 
Operating Regulations; and (ii) any and al l laws, treaties, 
rules, regulations, or regulatory guidance of the 
government of the United States, any state thereof, or of 
SAFE Federal Credit Union 
P.O. Box 2008, Sumter SC 29151 -2008 
1.800.763.8600 
803.469.8600 any applicable foreign government or state thereof, as the 
same may be amended and in effect from time to time. 
2. YOUR PLEDGE OF SHARES AND SECURITY 
INTEREST FOR YOUR LOAN ADVANCES 
BY SIGNING AN APPLICATION, ACCEPTANCE 
OR AUTHORIZED USE OF ANY CREDIT CARDS, 
YOU GRANT AND PLEDGE A CONSENSUAL LIEN 
TO US ON ALL SHARES TO SECURE PAYMENT 
OF YOUR OBLIGATIONS ON THIS ACCOUNT. IN 
ADDITION, YOU ACKNOWLEDGE OUR 
STATUTORY LIEN RIGHTS UNDER THE 
FEDERAL CREDI T UNION ACT; YOU AGREE 
THAT SUCH A LIEN IS IMPRESSED AS OF THE 
DATE THAT THIS ACCOUNT IS OPENED; AND 
YOU AGREE THAT WE CAN APPLY THE SHARES 
PLEDGED AT THE TIME OF ANY DEFAULT ON 
THIS ACCOUNT WITHOUT FURTHER NOTICE. 
�Shares� for the purpose of your pledge to secure 
your obligations to the Credit Union means all 
deposits in any share savings, share draft, club, 
certificate, P.O.D., revocable trust or custodial 
account(s), whether jointly or individually held --
regardl ess of contributions, that you have on 
deposit now or in the future. Your pledge does not 
include any I.R.A., Keogh, tax escrow, irrevocable 
trust or fiduciary account in which you do not 
have a vested ownership interest. 
MILITARY LENDING ACT PARTIAL EXC EPTION: If 
you or your dependents are expressly covered 
and entitled to the protections provided by the 
Military Lending Act then NO PLEDGE OF 
SHARES OR LIEN ON SHARES APPLIES EXCEPT 
FOR A SHARED SECURED CREDIT CARD FOR 
WHICH YOU EXECUTE A SEPARATE SECURIT Y 
AGREEMENT. Any provisions of the Agreement 
(below) that address the items expressly excepted 
in any section to the contrary also do not apply to 
such Loans. 
Security Agreement � Non-Purchase Money Security 
Interests : Payments on your Account are secured by any 
security interest in any property securing your other 
obligations to the Credit Union, whether existing now or in 
the future, except your household goods and your primary 
residence. 
Security Agreement � Purchase Money Security 
Interests : You hereby grant Credit Union security 
00029 
Rev. 04.02.2020 
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  CCCOR 
interest in all property purchased/acquired by you or any 
authorized user pursuant to the use of this Account, 
including a purchase -money security interest in any 
household goods purchased/ acquired with an extension 
of credit upon this Account. These Purchase -Money 
Security Interests shall secure faithful performance of all 
obligations arising under this Agreement; and the Credit 
Union shall have all of the rights of a secured party in 
accor dance with Article Nine of the Uniform Commercial 
Code and/or other applicable law. 
3. HOW TO USE THIS ACCOUNT 
You must sign the Card in order to use it. You can 
purchase or lease goods and services ("Purchases") from 
any merchant who honors your Card up to your maximum 
credit limit by presenting your Card and signing a sales 
slip or writing a Convenience Check for the amount of the 
Purchase. You may also use the Card to obtain cash 
loans ("Cash Advances") up to your maximum credit limit 
from financial institutions that accept the Visa credit card, 
and by use of preprinted Convenience Checks that the 
Credit Union ma y issue to you. You agree not to present 
your Card, obtain a Cash Advance or write a Convenience 
Check for any extension of credit in excess of your 
available Credit Limit (the difference between your 
outstanding balance and your maximum credit limit) on 
your account. Cash advance, convenience checks, 
and balance transfers may not be used to pay off any 
debt owed to SAFE Federal Credit Union. Certain 
purchases and cash advances require authorization prior 
to completion of the transaction. In some cases, you may 
be asked to provide identification. If our system is not 
working, we may not be able to authorize a transaction, 
even though you have sufficient credit available. Also, for 
security reasons, we may block the use of your Card in 
certain countries or ge ographic areas. We will have no 
liability to you or others if any of these events occur. 
You authorize us to honor any Purchase or Cash Advance 
you make by telephone or mail on this account. You agree 
that a signature is not necessary as identification in such 
cases. We reserve the right to refuse to honor any request 
for credit, to reduce your credit limit or terminate your 
account at any time using our sole discretion, based on 
changes in the economy, the Credit Union's financial 
condition, your creditworthiness or for any other reason 
not prohibited by law. 
Transactions Involv ing Cryptocurrencies 
Prohibited 
Due to the many risks associated with 
cryptocurrencies such as Bitcoin we have blocked all 
transactions involving cryptocurrencies. This means 
that you will not be able to perform any transactions 
involving cryptocurrencies with any Card issued by 
us. 4. ATM ACCESS 
If you have receive d a personal identification number 
(PIN), you may use your Card and PIN to obtain Cash 
Advances at any Automatic Teller Machine ("ATM") that 
accepts your Card. Your PIN is confidential and should 
not be disclosed to anyone. You agree not to write your 
PIN on your Card, you will not keep your Card and PIN 
together, and you will not provide your PIN to anyone who 
is not an authorized user. Except as otherwise provided 
in this agreement, advances through ATM access will be 
treated as Cash Advances under this A greement. 
Advances at authorized ATM's are limited to a total of 
$510.00 during any 24 -hour period. The total of all cash 
advances on your Visa Account and any withdrawals from 
your other accounts through an ATM in any 24 -hour 
period may be combined for t he purpose of this limitation. 
Although we do not charge a fee for this service, others 
may. Owners of ATMs that we do not own may charge 
fees in addition to any fees disclosed in this 
Agreement. This is not a fee charged by your Credit 
Union; however, any such fee will be added to your 
account. The party charging the fee is required to 
provide appropriate disclosures to you with regard to 
any such fees. 
5. YOUR MAXIMUM CREDIT LIMIT 
Your maximum credit limit will appear on the folder in 
which you receive your Card and on your monthly 
statement. At our discretion, we may change your credit 
limit at any time, and may provide separate limits for 
purchases and for cash advances. We will notify you if we 
do, either by mail or through your monthly billing 
statement. You may request a change to your credit limit 
by contacting the Credit Union by telephone or mail. Your 
continued use of the card will show your agreement to any 
such increase. If you object to an increas e in your credit 
limit, you must notify Credit Union in writing. Upon receipt 
of such notice, your credit limit will be reduced to its prior 
limit; however, you will be responsible to pay any amounts 
by which you have exceeded the reduced limit. You agree 
to pay any amounts you owe that exceed your maximum 
credit balance upon demand. You agree we are not 
obligated to extend to you credit for any amount that 
would cause your outstanding balance to exceed your 
Maximum Credit Limit, or for any amount if your 
outstanding balance already exceeds your Maximum 
Credit Limit. Any increase in your Maximum Credit Limit 
requested by you will require you to make a written 
application for our approval. In assessing your credit limit 
under the provisions in this Section (e ither at our 
discretion or upon request): (a) we may and you authorize 
us to review your credit history, including consumer credit 
reports; (b) you authorize us to have this review made by 
third parties to determine whether you meet the criteria 
we have se t for such an increase; and (c) this process 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 4 of 12 
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 CCCOR 
shall not be pre -screening under the Fair Credit Reporting 
Act or other applicable laws or regulations based on our 
existing relationship and this Agreement. 
Credit balances in excess of $1.00 will be refunded to you 
by mailing a check to the address to which statements are 
provided payable to the order of any cardholder or as a 
deposit to your primary savings account. You agree that 
the Maximum Credit Limit will at no time exceed the 
agreed upon amount, and tha t any credit balance will not 
be available or increase the Maximum Credit Limit 
available for new purchases or cash advances during any 
billing cycle. 
6. GENERAL TERMS GOVERNING YOUR PAYMENTS 
You will be jointly and severally liable and agree to pay 
the Credit Union for all charges (purchases, cash 
advances, finance charges, and other charges added to 
your Account under the terms of this or any other 
agreements with us) extended to you or anyone else 
using any Card issued for your account, unless the us e of 
such Card is by a person other than you, who does not 
have actual, implied or apparent authority for such use 
and from which you receive no benefit. Authority includes, 
but is not limited to, any authorized users permitting 
another person to use any C ard(s). Further, all users are 
obligated to us for all charges they make, authorize or 
permit. The Credit Union can accept late or partial 
payments as well as payments that are marked with "paid 
in full" or other restrictive endorsements, without losing 
any of our rights under this Agreement. You must pay the 
Credit Union in U.S. dollars drawn on funds on deposit in 
the United States. The Credit Union will determine the 
method of applying payments and credits to your account, 
which will in all respect compl y with any specific 
requirements of applicable laws. If you make payment 
with other currencies or from an institution domiciled 
outside the United States, then your payment will not be 
credited until the funds have been collected by us in U.S. 
dollars . If you make a payment on this account utilizing a 
check, you authorize us either to use the information from 
your check to make a one -time electronic fund transfer 
from your checking/deposit account or to process the 
payment as a check transaction. When we us e 
information from a check to make an electronic funds 
transfer, funds may be withdrawn from another financial 
account possibly the same day you make your payment, 
and you will not receive your check back from your 
financial institution. For inquiries, or to opt out of one -time 
electronic fund tr ansfers, please contact us at 
1.800.763. 8600. 
Unless otherwise required by specifically applicable laws, 
for payments received by mail by 5:00 PM EST, you will 
receive credit that day; and for payments made in any 
other manner, including in person, your account will be 
credited the day payment is received. Please allow at least seven (7) days for the U.S. Postal 
Service to deliver your payment. 
To protect you and us, the Credit Union, in its sole 
discretion, may place a temporary freeze on all or part 
of the credit available to you for new purchases or 
cash advances under this agreement any time the 
Credit Union receives a large payment ($ 1,000.00 or 
more), by a method other than cash, certified funds 
or electroni c transfer. In such cases, the Credit Union 
may freeze your credit line until payment is actually 
collected by us. 
Maximum Fees During the First Year : During the first 
year after the credit card is opened the total fees charged 
to your credit card will n ot exceed 25% of the credit limit 
in effect when the account is opened. This limit does not 
apply to late payment fees, over -limit fees or returned 
payment fees or other fees the consumer is not required 
to pay with respect to the account such as an expedi ted 
payment for making a payment by phone. However, the 
limit does apply to cash advance fees, balance transfer 
fees and foreign transaction fees. 
7. MINIMUM PAYMENT DUE 
You can pay off your account balance in full each month 
or you can pay in monthly installments. If you do not pay 
your balance in full, you agree to pay at least a minimum 
payment of 2% of your New Balance (rounded to the 
nearest whole dollar) or $25.00, w hichever is greater at 
the end of each statement period. If the New Balance 
shown on your periodic statement is $25.00 or less, you 
agree to pay this amount. Unless the Credit Union takes 
other action as a result of a default under this Agreement, 
the Mini mum Payment Due will also include any amount 
that is past due and any amount by which your new 
balance exceeds your credit limit. Payment Allocation: 
Subject to any mandatory provisions of applicable law we 
will apply your minimum payment to previously bil led 
unpaid finance charges; late charges and similar charges; 
balance with the lowest interest rate; Cash Advances and 
Purchases. You must pay the minimum payment on or 
before the due date each month, but you may pay more 
with all of the excess payment bei ng applied to highest 
APR balances. You must pay at least the minimum 
payment each month, but you may pay more than that 
amount at any time without a penalty. The sooner you pay 
your new balance, the less you will have to pay in finance 
charges. The "Payme nt Due Date" will be shown on your 
periodic statement. 
Grace Period for Repayment of The Balance for 
Purchases and Cash Advances : Grace period for 
repayment of the balance for purchases and cash 
advances is 25 days from the close of the billing cycle. 
See your statement for billing cycle date. 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 5 of 12 
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  8. RETURNS AND ADJUSTMENTS REGARDING 
YOUR TRANSACTION WITH MERCHANTS 
Merchants and others who honor your Card may give 
credit for returns or adjustments, and they will do so by 
sending the Credit Union a credit slip which will be posted 
to your Account. If your credits and payments exceed 
what you owe the Credit Union, the amount will be applied 
against future purchases and cash advances. If the credit 
balance amount is $1.00 or more, it will be refunded upon 
your written request. Credit balances under $25.00 will 
automatically be refunded within six months. Credit 
balances over $25.00 will be refunded automatically each 
month after statement cycle closing. 
9. ADDITIONAL CHARGES FOR TRANSACTIONS IN 
A FOREIGN CU RRENCY AND CROSS -BORDER 
TRANSACTIONS 
Conversion Fee: If you effect or authorize a transaction 
with your access device in a currency other than US 
Dollars, Visa will convert the charge into a US Dollar 
amount. The Visa currency conversion procedure 
includes use of either a government mandated exchange 
rate, o r a wholesale exchange rate selected by Visa, as 
applicable. The exchange rate Visa uses will be a rate in 
effect on the day the transaction is processed. This rate 
may differ from the rate in effect on the date of the 
purchase or the date the transaction was posted to your 
account. A Currency Conversion Fee of up to 1% will be 
applied to transactions that are converted from foreign 
currencies to U.S. dollars. 
Cross -Border Transaction Fee: In addition, Visa 
charges us a Cross -Border Assessment up to 1% on each 
transaction on all cross -border transactions regardless of 
whether there is a currency conversion. For purposes of 
this Section, �cross -border transaction� shall include both 
(a) transactions initiated in a foreign country which are 
subsequently sett led in the United States, and (b) 
transactions initiated in the United States but which are 
ultimately settled in a country outside of the United States. 
The Credit Union will assess these fees to you to 
reimburse it for the fee it is required to pay for e ach of your 
transactions subject to these terms. The Cross -Border 
transaction fee will be shown separately on your periodic 
billing statement. The Currency Conversion Fee, if it 
applies to the transaction, will be included in the 
transaction amount posted on your statement. 
10. FINANCE CHARGES 
FINANCE CHARGES WILL BE IMPOSED IN THE 
FOLLOWING MANNER AND WILL BE IN AMOUNTS 
NOT IN EXCESS OF THOSE PERMITTED BY LAW: CCCOR 
(a) Purchases : (1) No finance charge will be imposed 
during the next billing cycle (defined as the time interval 
between regular monthly billing statement dates) if you 
pay the entire new balance shown on the current periodic 
statement and we receive your payment on or before the 
payment due date shown on the statement. (2) In all other 
cases, a finance charge will be imposed based on the 
average daily balance of all purchases and debit 
adjustments, hereafter referred to as purchases. The 
average daily balance is the sum of all outstanding 
purchases, which is determined by including new 
purchases and deducting payments or credits and 
excluding any unpaid finance charge for your Account on 
each day of the billing cycle divided by the number of days 
in the billing cycle. A purchase appearing on the periodic 
statement is considered a part of the outst anding balance 
from the date of posting. (3) The amount of the finance 
charge is calculated by multiplying the average daily 
balance for purchases by the monthly periodic rate. The 
monthly periodic rate is the yearly interest rate divided by 
12. 
(b) Cash Advances : (1) No finance charge will be 
imposed during the next billing cycle (defined as the time 
interval between regular monthly billing statement dates) 
if you pay the entire new balance shown on the current 
periodic statement and we receive your payme nt on or 
before the payment due date shown on the statement (2) 
In all other cases, a finance charge will be imposed on the 
average daily balance of cash advances, which is the sum 
of the cash advances (determined by including new cash 
advances and deducti ng any payments or credits and 
excluding any unpaid finance charge) outstanding each 
day during the billing cycle, divided by the number of days 
in the billing cycle. A cash advance appearing on the 
periodic statement is considered a part of the outstandin g 
balance from the transaction date. (3) The amount of 
finance charge is calculated by multiplying the average 
daily balance for cash advances by the monthly periodic 
rate. The monthly periodic rate is the yearly interest rate 
divided by 12. 
11. PROMOTIONAL RATE FINANCE CHARGES 
From time to time and in our sole discretion we may offer 
a special rate applicable to certain transactions such as 
particular purchases (as defined by us), balance 
transfers, cash advances or purchases made by using 
Convenience Checks. Applicable terms and conditions 
will be disclosed at the time any such promotion is offered, 
and are incorporated into this Agreement by reference. 
The promotional rate will apply only to the transactions 
and for the period of time set for th in any such offer from 
us. Existing balances and new purchases or advances not 
expressly subject to any such promotion will remain 
governed by the terms and conditions of this Agreement. 
In addition, the terms and conditions of this Agreement 
will gover n your obligations regarding any unpaid balance 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 6 of 12 
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 CCCOR 
or transactions that are made subject to any such 
promotional offer, that are not fully paid within the time 
period set forth in such promotional offer. 
12. INTEREST RATE ADJUSTMENT (DEFAULT RATE) 
The Cred it Union will adjust the interest rate on your 
account whenever your account is 60 days past due. We 
will change your interest rate to a fixed rate of 18.00% 
annual percentage rate (APR) (or less in the Credit 
Union�s discretion) which is a monthly periodi c rate of 
1.50%, on the first day of the billing cycle following the 
cycle that was 60 days past due. After six (6) consecutive 
billing cycles of your account being paid pursuant to the 
terms of your agreements with the Credit Union, we will 
change the int erest rate to the rate that is then applicable 
to your account, which will become effective on the first 
day of the billing cycle following the sixth consecutive 
billing cycle. 
13. MONTHLY STATEMENT 
We will send you a monthly billing statement whenever 
there is activity on your account. Your monthly statement 
will show an itemized list of current charges (Purchases 
and Cash Advances) and Convenience Check 
transactions to your account, your new balance, any 
Finance Charges, the minimum payment due, and th e 
payment due date. In addition, it will show your current 
credit limit, payments, and credits, a summary showing 
your Purchases and Cash Advances, the merchant, 
electronic terminal or financial institution at which 
transactions were made, as well as other information 
concerning your account. Sales, Cash Advance, credit or 
other slips cannot be returned with any statement. You 
will retain a copy of such slip furnished at the time of the 
transaction in order to verify your monthly statement. 
E-Statements: If provided electronically, you will be sent 
a notice via e -mail that will direct you to a site we maintain 
or cause to be maintained where you may access, review, 
print and otherwise copy / download your periodic 
statements using procedures that we author ize. E -mails 
from us will be sent to the e -mail address provided by any 
owner. 
14. ADDITIONAL BENEFITS / CARD ENHANCEMENTS 
The Credit Union may from time to time offer additional 
services to your Account, such as travel accident 
insurance, purchase rewa rds or rebates at no additional 
cost to you. You understand that the Credit Union is not 
obligated to continue or to offer such services and may 
withdraw or change them at any time. If these benefits are 
withdrawn prior to any accrued use by you, the Credi t 
Union will have no obligation to provide the benefit or 
enhancement, or any other compensation or 
consideration. 15. MERCHANT DISPUTES 
The Credit Union is not responsible for the refusal of my 
merchant or financial institution to honor your Card exce pt 
as set forth in the Special Rules for Credit Card 
Purchases set forth at the end of this Agreement. 
16. LATE PAYMENT FEE 
Credit Union will charge your account a late payment fee 
up to $27.00 for the first billing period in which your 
minimum payment is not received within three (3) days of 
your payment due date. The credit union will charge you 
a fee up to $38 .00 for any additional late payments within 
six (6) months of the first late fee. This fee may be added 
to your account balance, or collected from you on 
demand. 
17. RETURNED PAYMENT OR INSUFFICIENT FUNDS 
FEE 
Credit Union will charge your account a $25.00 fee if your 
payment by any method, including check, electronic 
transfer, home banking transaction or otherwise, is not 
honored, collected by us, or if we must return it to you 
because it cannot be processed fo r any reason. This fee 
may be added to your account balance, or collected from 
you on demand. 
18. CHARGE FOR COPIES, RESEARCH AND CARD 
REPLACEMENT 
If you ask for a copy of any document, such as a sales 
slip, Convenience Check, or billing statement, a charge of 
$10.00 per hour may be imposed for the time it takes to 
research and locate the document, with a two -hour 
minimum. In addition, a copying fee of $2.00 per copy will 
be imposed. However, no charge will be imposed in 
connection with any actual or a sserted billing error. We 
will charge a $15.00 fee to replace a lost card. 
19. YOUR RESPONSIBILITY AND LIABILITY FOR 
UNAUTHORIZED USE AND LOST OR STOLEN 
CARDS OR CONVENIENCE CHECKS 
If your Card or Convenience Checks are lost or stolen, or 
if you are af raid someone used or may use them without 
your permission, you must notify the Credit Union at once 
by calling us at 1.800.449. 7728 . If notice is given orally, 
you will promptly confirm it in writing. The Credit Union 
may require you to provide us certain information in 
writing to help us investigate any unauthorized use. 
Further, you agree to cooperate and assist us or any 
government or law enforcement agent or agency in 
investigating, collecting or pursuing any other rights (civil 
and criminal) relating t o any unauthorized use. In this 
regard, you agree to file an appropriate police report when 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 7 of 12 
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  asked to do so. Do not use the Card or the Convenience 
Checks after you have notified the Credit Union, even if 
you find them or have them returned to you. 
You are liable for all transactions that you authorize. 
No Liability: You will have no liability for unauthorized 
use of your Card, Convenience Checks or other Access 
Devices for non -ATM transactions made over the Visa 
Network. HOWEVER -your liability with respect to 
unauthorized transactions may be greater than the 
above zero ($0.00) liability limit, to the extent allowed 
under applicable law, if the credit union reasonably 
determines, based on substantial evidence, that you 
were negligent or fraudulent in the handling of your 
account or card . 
Limited Liability: For transactions on other networks or 
ATM transactions, you may be liable for unauthorized 
transactions using your Card, Convenience Checks or 
other Access Devices that occur before we are notified . 
However, your liability for unauthorized use on networks 
other than Visa will not exceed $50.00. In any case, you 
will not be liable for any unauthorized use after notifying 
us of the loss, theft or unauthorized use of your Card, 
Convenience Checks or ot her Access Devices. 
20. OUR LIABILITY FOR FAILURE TO COMPLETE 
TRANSACTIONS 
If we do not complete a transaction pursuant to any 
request, and/or in the correct amount, we may be liable 
for your losses or damages. However, there are some 
exceptions. We wil l not be liable, for instance: 
� if through no fault of ours, you do not have 
adequate funds available on your Card to 
complete the transfer; 
� if circumstances beyond our control (such as fire, 
flood, terrorist attack, national emergency, or 
computer or communication failure) prevent the 
completion of the transaction, despite reasonable 
precautions we have taken; 
� if access to your Card has been blocked after you 
reported your Card lost or stolen; 
� if there is a hold on your Card for any reason; 
� if your funds are subject to legal process or other 
encumbrance restricting their use; 
� if your transfer authorization terminates by 
operation of law; 
� if a computer system or mobile device was not 
working properly and you knew about the 
problem when you initiated the transaction; 
� if we have reason to believe that the requested 
transaction is not authorized; or 
� as otherwise provided in this Agreement. CCCOR 
21. WHAT THE CREDIT UNION MAY DO IF YOU DO 
NOT MEET YOUR OBLIGATIONS UNDER THIS 
AGREEMENT (DEFAULT) 
You will be in default if: (a) you fail to pay the Minimum 
Payment Due by the Payment Due Date; (b) the Credit 
Union, in its sole discretion, feels insec ure (For example: 
Our good faith belief that your ability to pay your account 
is impaired; use of your account in any manner or in any 
way that may expose the Credit Union to a risk of loss; 
etc.); (c) your ability to repay is materially reduced by a 
chang e in your employment, by an increase in your 
obligations, by bankruptcy or insolvency proceedings 
involving you, by your death, or (for community property 
state residents only) by a change in marital status or 
domicile; (d) you exceed your credit limit wit hout our 
permission; (e) you have made a false or misleading 
statement to us in your application or otherwise; (f) you 
are in default under any other agreement with us; (g) if 
you use or authorize the use of any Card(s) to make or 
facilitate any illegal tr ansaction; or (h) you fail to perform 
any of your other obligations under the terms of this 
Agreement as it may be amended from time to time. Upon 
default we may close your Account to future purchases 
and advances and, to the extent not prohibited by 
Gover ning Law, demand immediate payment of your 
entire Account balance, after giving you any notice and 
opportunity to cure the default if required by applicable 
law. The Credit Union's sole obligation hereunder with 
regard to determining and declaring an event of default is 
the exercise of "good faith," based on its subjective 
understanding of applicable facts. We shall also have the 
right to close your account and terminate access 
privileges where your account is inactive for such periods 
of time as we may fro m time -to-time determine to be 
appropriate for protecting both our and your interests. 
22. WHEN YOU MAY BE RESPONSIBLE FOR LEGAL 
AND OTHER COSTS 
You agree to pay all costs incurred by the Credit Union in 
collecting any amounts you owe or in enforcing or 
protecting the Credit Union's rights under this Agreement, 
including attorneys' fees of 20% of the unpaid balance or 
such greater sum as may be reasonable, and also those 
costs, expenses and attorneys' fees incurred in any 
appellate, bankruptcy and post -judgment proceedings, 
except as limited or prohibited by applicable law. 
23. UPDATING AND DISCLOSING FINANCIAL 
INFORMATION 
We may report your performance under this Agreement 
to credit reporting agencies and secure follow -up credit 
reports on you for an y legitimate business reason, 
including if you fail to make your minimum payments on 
time. We can reinvestigate and reevaluate any 
information you provide on your Visa Application at any 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 8 of 12 
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 time, and in the course of doing so, we may ask you to 
provide additi onal information, request credit bureau 
reports and/or otherwise verify your current credit 
standing. 
Access to Account Information: You agree that all 
borrowers and authorized users will have access to 
information regarding transactions on your account, 
including but not limited to purchases and cash advances, 
account balances, account history, payments and other 
information relating to or arising with regard to this 
account or any transaction. 
24. CHANGE OF NAME, ADDRESS OR EMPLOYMENT 
You will notify immediately the Credit Union in writing if 
your name, home address or employment changes. 
25. CORRECTING THE CREDIT UNION�S CREDIT 
REPORT 
If you think the Credit Union reported erroneous 
information about you to a credit reporting agency, call the 
Credit Union at the telephone number listed on your 
monthly billing statement. Credit Union will promptly 
investigate the matter. Credit Union will contact each 
credit reporting agency whose records may reflect an 
error. Credit Union will require them to correct your report 
if its investigation decides that you were correct. If Credit 
Union disagrees with you after the investigation, Credi t 
Union will advise you, in writing or by phone, and instruct 
you how to submit to those agencies a statement of your 
position that will become a part of your credit record with 
them. The instructions will include the name, address, and 
phone number of eac h such agency, along with other 
pertinent information. 
26. WHEN YOUR ACCOUNT MAY BE CLOSED AND 
EFFECTS OF ACCOUNT CLOSING 
Any individual cardholder without the consent of other 
cardholders may close your Account at any time by 
notifying us in writing as indicated in this Agreement. 
Credit Union may close your account or suspend your 
Card privileges or Convenience Checks at any time 
without prior notice. Credit Union may also reissue a 
different Card or different checks at any time. You must 
return the Ca rd or the Convenience Checks to the Credit 
Union upon request. You agree that the Card and all 
Convenience Checks remain the property of Credit Union. 
Each Card we issue will have an expiration date. Upon 
expiration of your Card your account will automatic ally 
terminate; or the Credit Union, in its sole discretion, may 
extend your Agreement and issue a new card with a new 
expiration date. If you r account is closed, expires or your 
credit privileges are terminated or suspended, you will 
remain responsible fo r paying all amounts you owe us 
according to the terms of this Agreement. Without limiting CCCOR 
the foregoing, the Credit Union has the right to terminate 
your line of credit or any part of the services provided 
pursuant to this Agreement and to demand the retu rn of 
all cards, access checks and other access devices if the 
Credit Union, in its sole discretion, feels that it is insecure 
for any reason whatsoever; including but not limited to 
mismanagement of your account, failing to safeguard any 
access device, cr eation of any credit balances by you that 
may increase the risk of loss or exposure of the Credit 
Union or failing to cooperate with the Credit Union or 
others with regard to any claim of unauthorized use or any 
other defense to payment under applicable la w. 
27. CHANGING THIS AGREEMENT 
The Credit Union may change the terms of this 
Agreement, including the Annual Percentage Rate, at any 
time. Except where limited by applicable law, the new 
terms, including, but not limited to, increasing the finance 
charg e or the way the Credit Union calculates finance 
charges, late charges, and the minimum payment due, 
will apply both to new purchases and cash advances and 
to the existing outstanding balance of your account as of 
the day of the change. In accordance with applicable law, 
the Credit Union will notify you of any increased charge or 
change by writing to you at the most recent address 
shown for you on the Credit Union's records. 
28. THE EFFECT OF ANY DELAY IN ENFORCEMENT 
OR WAIVER 
The Credit Union may delay or waive enforcement of any 
of the provisions of this Agreement, including any 
agreement to make timely payments, without losing its 
right to enforce the same provision later or any other 
provisions of this Agreement. You waive t he right to 
receive notice of any waiver or delay or presentment, 
demand, protest or dishonor. You also waive any 
applicable statute of limitations to the full extent permitted 
by law and any right you may otherwise have to require 
the Credit Union to proc eed against any person before 
suing you to collect. You understand that the Credit Union 
will not be liable for a merchant's or other parties' refusal 
to honor your Card whether due to an error by the Credit 
Union, the merchant, the Credit Union's authoriz ed agent, 
or other third party. 
29. ADDITIONAL TERMS OF AGREEMENT 
To the extent not prohibited by applicable law, the terms, 
interpretation and enforcement of any claim or dispute 
arising under this Agreement, as well as all parties� rights 
and duties, will be governed by South Carolina State law 
regardless where you may reside or use your account. 
Further, this Agreement is the contract which governs all 
transactions on your Account even though sales, cash 
advances, credit or other slips may contain di fferent 
terms. 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 9 of 12 
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   You may not transfer or assign your account or Card to 
any other person. The Credit Union may assign or transfer 
this Account, your Account balance, or this Agreement to 
another person, who will have all of our rights hereunder. 
This Agreem ent is binding on your heirs and legal 
representatives. If there are joint obligors or authorized 
users for this credit plan, each of you will have the right to 
use the Account to obtain loans pursuant to the terms 
hereof. Any one obligor�s elections, tran sactions and 
directions to the Credit Union shall be binding upon all 
obligors. Each of you will be liable for all obligations owing 
on the Account whether borrowed by you or otherwise 
and whether within or beyond the credit limit. Your liability 
will be j oint and several. Either party has the right to 
cancel this Agreement. Further each of you is responsible 
for all amounts borrowed by any authorized user(s). 
Authorized users and other users may also be required to 
repay the amount owed for charges they ma ke; however, 
you remain, at all times, primarily responsible for all 
amounts owed. All Cards, billing statements and notices 
will be mailed or delivered to the address given on the 
application for either applicant unless you direct otherwise 
in writing. If any law or judicial ruling makes any part, 
provision, sentence or section of this Agreement 
unenforceable, the remainder will continue in full force 
and effect. 
30. CREDIT INSURANCE 
If you elect insurance, as set forth in your application, then 
the ch arges will be added to your Account balance on 
each billing cycle, if your insurance application is 
approved. Credit insurance is voluntary and not required 
to obtain a credit card account with us. You have a right 
to terminate this insurance at any time by notifying us in 
writing. Note: Maximum age for life insurance will 
terminate in the month of your 70th birth date. Maximum 
age for credit disability will terminate in the month of your 
66th birth date. 
31. ELECTRONIC PAYMENT OPTION 
If you request recurring electronic payment options 
(Automated Clearing House (ACH), Pay by Phone, e -
check, etc.), all Minimum Payments due will automatically 
be deducted from your designated account on your 
Payment Due Date. If your designated account doe s not 
contain sufficient funds, no automatic deduction will be 
made; we will bill you for the Minimum Payment Due; and 
your account will be charged a $25.00 insufficient funds 
fee and you will be responsible for making the payment 
by some other means. 
32. COMPLIANCE WITH APPLICABLE LAWS AND 
PROHIBITION OF ILLEGAL TRANSACTIONS CCCOR 
You warrant and agree that you will at all times comply 
with all Applicable Laws; and that your card and services 
are at all times subject to Applicable Laws. Further, you 
agree an d warrant that your Credit Card, other access 
device or any related account will not be used to make or 
facilitate any illegal transaction(s) as determined by 
applicable law; and that any such use, including any such 
authorized use, will constitute an even t of default under 
this Agreement. Certain federal and/or state laws or Card 
Service Providers� Rules may limit or prohibit certain 
transactions such as (but not limited to) those coded as 
possible gambling transactions. The Credit Union may 
decline to acc ept, process or pay any transaction that we 
believe to be illegal or unenforceable (regarding your 
obligation to pay us or otherwise) under applicable law; or 
which is otherwise limited or prohibited, including but not 
limited to any transaction involving or relating to any 
gambling activity. Such prohibition or limitations may 
affect some otherwise proper or allowable transactions 
such as charges incurred at a hotel -casino. You 
understand and agree such limitations/prohibitions are 
not within the Credit Un ion�s control and that the Credit 
Union will not have any liability, responsibility or culpability 
whatsoever for any such use by you or any authorized 
user(s); or for declining to accept, process, or pay any 
such transaction. You further agree to indemnif y and hold 
the Credit Union harmless from any suits, liability, 
damages or adverse action of any kind that results directly 
or indirectly from any such use of your account and/or 
access devices. 
33. SKIP PAYMENT OPTION 
At our option, we may offer you t he opportunity to not 
make ("skip") a minimum payment during certain 
designated billing cycles ("skip payment period"). If you 
do not make your minimum payments as provided in this 
Agreement, during such designated billing cycles, you 
understand that we wi ll continue to apply finance charges 
to your account. Beginning with the billing cycle following 
an allowed skip payment period, all other provisions of 
this Agreement will apply. We have no obligation to 
accept your application for any skip payment period 
offered, and you authorize us to investigate your 
creditworthiness including obtaining consumer credit 
reports. We may charge you an application processing 
fee of up to $35.00 for each skip payment period that we 
may offer to cover our costs of investigat ing your 
qualifications for this extension including but not limited to 
the costs associated with researching your 
creditworthiness. 
34. VISA ACCOUNT UPDATER (VAU) 
VAU is an account updating service in which your card is 
automatically enrolled. When you r card(s) expire, are lost 
or stolen and new cards are issued, the service may 
update relevant card data (card numbers and expiration 
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 dates) to appropriate merchants who participate in an 
effort to facilitate uninterrupted processing of your 
recurring char ges. This service provides updates to a Visa 
database only. The database is accessed by those 
qualified merchants seeking your account information 
after you have requested they process a recurring 
payment or payments. This service is provided as a free 
benefit to you. If at any time you wish to opt -out of the 
VAU service or if you have a ny questions, please call 
1.800.763. 8600 to do so. 
OUR BILLING RIGHTS STATEMENT 
KEEP THIS NOTICE FOR FUTURE USE 
This Notice contains important information about your 
rights and our responsibilities under the Fair Credit Billing 
Act. 
NOTIFY US IN CASE OF ERRORS OR QUESTIONS 
ABOUT YOU R STATEMENT / BILLING AT: 
SAFE Federal Credit Union 
Post Office Box 31112 
Tampa, FL 33631 -3112 
If you think your statement is wrong, or if you need more 
information about a transaction on your statement, you 
must write to us on a separate sheet of paper to the 
address listed in your periodic statement. You should 
write to us as soon as possible. We must hear from you 
no later than 60 days after we sent you the first statement 
on which the error or problem appeared. You can 
telephone us, but doing so will not preserve your rights. In 
your letter, you should give us the following infor mation: 
� Your name and account number. 
� The dollar amount of the suspected error. 
� Describe the error and explain, if you can, why 
you believe there is an error. 
� If you need more information, describe the item 
you are not sure about. 
If you have author ized us to pay your credit card bill 
automatically from your SAFE Federal Credit Union 
savings or checking account, you can stop payment on 
any amount you think is wrong. To stop the payment, your 
letter must reach us three (3) business days before the 
automatic payment is scheduled to occur. 
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER 
WE RECEIVE YOUR WRITTEN NOTICE: 
We must acknowledge your letter within 30 days, unless 
we have corrected the error by then. Within 90 days, we 
must either correct the error or explain why we believe the 
bill was correct. CCCOR 
After we receive your letter, we cannot try to collect any 
amount you question, or report you as delinquent. We can 
continue to bill you for the amount you question, including 
FINANCE CHARGES, and we can apply any unpaid 
amount against your credit limit. You do not have to pay 
any questioned amount while we are investig ating, but 
you are still obligated to pay the parts of the bill that are 
not in question. 
If we find that we made a mistake on your statement, you 
will not have to pay the FINANCE CHARGES related to 
any questioned amount. If we didn�t make a mistake, you 
may have to pay FINANCES CHARGES, and you will 
have to make up any missed payments on the questioned 
amount. In either case, we will send you a statement of 
the amount you owe us and the date that it is due. 
If you fail to pay the amount we think you ow e us, we may 
report you as delinquent. However, if our explanation 
does not satisfy you and you write us within 10 days telling 
us that you still refuse to pay, we must tell anyone we 
report you to that you have a question about your 
statement. And, we mus t tell you the name of anyone we 
reported you to. We must tell anyone we report you to that 
the matter has been settled between you and us when it 
finally is. If we don�t follow these rules, we can�t collect the 
first $50.00 of the questioned amount, even if the 
statement was correct. 
SPECIAL RULE FOR CREDIT CARD PURCHASES: 
If you have a problem with the quality of property or 
services that you purchased with a credit card, and you 
have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining 
amount due on the property or s ervices. There are two 
limitations on this right: 
1. You must have made the purchases in your home 
state or, if not within your home state, within 100 
miles of your current mailing address; and 
2. The purchase must have been more than $50.00. 
3. These limitations do not apply if we own or 
operate the merchant, or if we mailed you the 
advertisement for the property or services. 
If you feel that you need Counseling or Debt Management 
services, please contact Consumer Credit Co unseling 
Service toll free at 1.800.251. 2227 or visit them on the 
web at www.cccsinc.org . You may also visit 
www.frbatlanta.org for a list of Counseling and Debt 
Management Services. 
CONTACT INFORMATION 
24 Hour Cardholder Service: 
Call: 1.855.556. 963 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 11 of 12 
803.469.8600   
                                                                                                
                                               
                                                                                                                     
  
 
  
 
  
  
 
  
 
 
 
 
 
 
 
 
  
 
 
 
  
  
 
  
 CCCOR 
To Report a Lost or Stolen Visa Card After Hours 
Call: 1.800. 449.77278 
Outside the US 727.299. 2449 (Collect) 
SAFE Federal Credit Union Visa Department: 
PO Box 2008 
Sumter, SC 29151 -2008 
803.469. 8600 
Toll Free 1.800.763. 8600 
Payment Address: 
PO Box 71050 
Charlotte, NC 28272 -1050 
To Close the Account: 
(SEND WRITTEN NOTICE) 
SAFE Federal Credit Union 
P.O. Box 2008 
Sumter, SC 29151 -2008 
Direct All Other Reports, Requests and Inquiries to: 
PO Box 2008 
Sumter, SC 29151 -2008 
803.469. 8600 
1.800.763. 8600 
SAFE Federal Credit Union 00029 
P.O. Box 2008, Sumter SC 29151 -2008 Rev. 04.02.2020 
1.800.763.8600 Page 12 of 12 
803.469.8600