STUDENT VISA CARD AGREEMENT AND DISCLOSURE STATEMENTInthisAgreement,thewordsyouandyourmeaneachandallofthosewhoapplyfortheaccountorwhosignthisAgreement.CardmeanstheVisaCreditCardandanyduplicatesandrenewalsweissue.AccountmeansyourVisaLineofCreditAccountwithus.We,us,andoursmeanthiscreditunion.16.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 in your       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 any      account. Any exercise of the right of offset by the Credit Union is not an election of remedies.S-473V   06/25/2011(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.withusmayalsosecurethisloan.ThecollateralalsosecuresanyotheradvancesInowhaveorwillreceiveinthefutureunderthisAgreement.Also,thecollateralsecuresanyotherloanadvances,overdrafts,negativebalances,returneditemsfornon-sufficientfunds,oranysumsIoweorwillowetheCreditUnionforanyreasonnoworinthefuture.CollateralpledgedassecurityforotherloansImayhavewiththeCreditUnionwillalsobesecurityforthisAgreement.Thiscross-collateralprovisiondoesnotapplytoloanssecuredbymyprincipaldwelling or other real property I may own. SHARESECUREDVISAIfyouhaveaShareSecuredVISA,youagreethatasaconditionfortheCreditUnionopeningyourVISAaccountandissuingaVISACreditCardtoyou,youaregrantingasecurityinterestandlienonyourshareaccounts,tosecureallobligationsunderthisAgreement,includingfuturepurchasesandadvances.Youagreethatyoumust,atalltimes,keepasumequalto100%ofyourCreditLineondepositinadesignatedCreditUnionAccountuntilyourepayyourentireloanandyourShareSecuredVISAaccountisterminated.Youcannotwithdrawthepledgedfundsaslongasthepledgeisineffect.IfyoudefaultunderthisAgreement,theCreditUnionhastherighttoapply the amount specifically pledged to pay off the loan, in full or in part."  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.ThecostofanyinsuranceIhavechosenisaddedtomybalancemonthlyandwillaccrueFINANCECHARGESfromthedaythecostisadded.14.EFFECTOFAGREEMENTThisagreementisthecontractwhichappliestoalltransactionsonyourAccounteventhoughsales,cashadvance,orcreditslipsmaycontaindifferentterms.Wemayamendthisagreementfromtimetotimebysendingyoutheadvancewrittennoticerequiredbylaw.Totheextentpermittedbylaw,andasindicatedinournotice,amendmentswillapplytoyourexistingAccountbalanceaswellasfuturetransactions.WereservetherighttoreviewyourcreditandeitherincreaseordecreaseyourcreditlimitorAPRfornewbalances.APRincreaseswillnotimpactexistingbalancesunlessyouaremorethan60dayslatewithapaymentorunlessotherwisepermittedbyapplicable law.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.7.SECURITYINTERESTTosecureyourAccount,yougrantusapurchasemoneysecurityinterestundertheUniformCommercialCodeinanygoodsyoupurchasethroughtheAccount.Ifyoudefault,wewillhavetherighttorecoveranyofthesegoodswhichhavenotbeenpaidforthroughpaymentsappliedinthemanner described in paragraph 4. Collateral securing other loans STARTER, PLUS, AND SHARE SECURED VISA ONLYIf this Visa is secured by my Credit Union account balance(s), I understand that I may not withdraw funds which would cause the account balance(s) to dropbelow the amount pledged.The annual percentage rate does not take into account my required deposit.I understand that if this Account goes into default, the balance owing on the Account will be offset with the pledged shares.3.(continued from reverse)ANNUALFEEYouwillbechargedanannualfeetomaintainthisAccount.TheannualfeewillbechargedtoyourAccountonthefirstcycledatedirectlyfollowingyour open date and annually thereafter.1.2.SHARE SECURED VISA ONLY19.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.20.INTERESTRATEADJUSTMENTAninterestrateadjustmentwilloccurwhenyouraccountis60daysormorepastdue.Ifyouraccountis60dayspastdue,theinterestrateforexistingandnewbalanceswillbeincreasedtoanANNUALPERCENTAGERATEof21.90%.Thisinterestrateincreasewillbeeffectivebeginningafter45-daynoticeisprovidedtoyou.Theinterestrateadjustmentwillterminateifyoumaketherequiredminimumpaymentsforsixconsecutivemonths.18.HOWTOAVOIDPAYINGINTERESTONPURCHASESYouhaveuntilthepaymentduedate(25daysfromthebillingcycle)topayyourbalanceinfullbeforeaFINANCECHARGE(interest)isassessedonthepurchasebalance.Ifyoudonotpayyourbalanceinfullbythepaymentduedate,youwillbechargedaFINANCECHARGEonthethenoutstandingpurchasebalanceandonfuturepurchasesfromthetransactiondate.IfduringthepreviousbillingcycleyouPaidinFullbythePaymentDueDate,theninthecurrentbillingcycleyouwillhaveaGracePeriodontheamountofthePurchasebalanceremainingfromthepreviousbillingcyclethatispaidbythePaymentDueDate,basedonourpaymentallocationmethod.Wewillbegincharginginterestoncashadvancesandbalancetransfersasofthetransaction date.17.FINANCECHARGE-REGULARRATEYourAccountwillbesubjecttoaFINANCECHARGE(interest)attheperiodicrateof1.492%permonthwhichcorrespondstoanANNUALPERCENTAGERATEof17.90%onthePurchaseandAdvanceAverageDailyBalances.ThisrateisavariableratewhichmaychangedmonthlybasedonthemovementsoftheWallStreetJournalPrimeRate,whichisthePrimeRatepublishedthe15thofeachmonthintheWallStreetJournal,WesternEdition,plus14.65percentagepoints.ThereisnolimitationontheamountofincreaseintheANNUALPERCENTAGERATE.AnincreaseinthePrimeRatewillresultinanincreaseintheamountofyourFINANCECHARGE,minimumperiodicpayment,andOutstandingBalance.Wefiguretheinterestchargeonyouraccountbyapplyingtheperiodicratetothe“averagedailybalance”ofyouraccount.Togetthe“averagedailybalance”wetakethebeginningbalanceofyouraccounteachday,addanynewpurchases,advancesandfees,andsubtractanyunpaidinterestorotherfinancechargesandanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesusthe“averagedaily balance."   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 PurchasesThis APR will vary with the market based on the Prime Rate.This APR will vary with the market based on the Prime Rate.This APR will vary with the market based on the Prime Rate. Annual Fee- Student- Share SecuredNone$15Transaction Fees- Cash Advance- Foreign TransactionEither$10or3%oftheamountofeachtransaction,whicheverisgreaterUpto1%ofthetransactionamountFeesPenalty Fees- Late Payment- Returned Payment$15orminimumpaymentamount,whicheverislessifpaymentnotreceivedwithin15days of due dateAtcost,nottoexceed$1017.90%17.90%17.90%