PARTNER FOR CHANGE VISA AGREEMENT AND DISCLOSURE STATEMENT1.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.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.6.CREDITSMerchantswhohonoryourcardandgiveyoucreditforreturnsoradjustmentswillprovideuswithacreditwhichwewillposttoyourAccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillapplythiscreditbalanceagainstfuturepurchasesandcashadvances,orrefundituponyourwrittenrequestifitis$1ormore.Anycreditbalancenotclearedwithin30dayswill be transferred to your Share Savings Account.S-725V   3/1/2013InthisAgreement,thewordsyouandyourmeaneachandallofthosewhoapplyfortheaccountorwhosignthisAgreement.CardmeanstheVisaCreditCardandanyduplicatesandrenewalsweissue.AccountmeansyourVisaLineofCreditAccountwithus.We,us,andoursmeanthiscreditunion.(continued on reverse)7.FOREIGNTRANSACTIONEXCHANGERATETheexchangeratebetween the transaction currency and the billing currency used for processinginternational transactions is a rate selected by Visa from the range of ratesavailable in wholesale currency markets for the applicable central processingdate, which may vary from the rate Visa itself receives, or thegovernment-mandated rate in effect for the applicable central processing date. 8.FOREIGNTRANSACTIONFEEAfeeofupto1percentofthetransaction amount is charged for transactions conducted outside the UnitedStates. 9.PLANMERCHANTDISPUTESWearenotresponsiblefortherefusalofany plan merchant or financial institution to honor your card.  We are subject toclaims and defenses (other than tort claims) arising out of goods or services youpurchase with the card only if you have made a good faith attempt, but have beenunable to obtain satisfaction from the plan merchant, and: (a) your purchase wasmade in response  to an advertisement  we sent or participated in sending you; or(b) your purchase cost more than $50 and was made from a plan merchant inyour state or within 100 miles of your home.  You must resolve any otherdisputes directly with the plan merchant.10.DEFAULTYouwillbeindefaultifyoufailtomakeanyMinimumPayment within 10 days of the Payment Due Date. You will also be in default ifyour ability to repay is materially reduced by an increase in your obligations,bankruptcy, insolvency proceeding involving you, your death, your failure toabide by the Agreement, or if you have made or do make any false or misleadingstatements in furnishing your financial information and other information to us.We have the right to demand immediate payment in full of your Account if youdefault, subject to our giving you any notice required by law. To the extentpermitted by law, you will also be required to pay our collection expenses,including court costs and reasonable attorney fees.11.CREDITINFORMATIONYouauthorizeustoinvestigateyourcreditstanding when opening, renewing, or reviewing your Account, and you authorizeus to disclose information regarding your Account to credit bureaus and othercreditors who inquire about your credit standing to the extent authorized in ourbylaws.  As required by law, you are hereby notified that a negative credit reportreflecting on your credit record may be submitted to a credit reporting agency ifyou fail to fulfill the terms of your credit obligations.12.CREDITLIFEANDDISABILITYIunderstandthatCreditLifeandDisability Insurance is not required by you to obtain my loan.  If selected, Iacknowledge  receiving a copy of the Credit Insurance Application/Schedule  andhave made the choice of insurance coverage indicated thereon.  The cost of anyinsurance I have chosen is added to my balance monthly and will accrueFINANCE CHARGES from the day cost is added.13.EFFECTOFAGREEMENTThisagreementisthecontractwhichappliesto all transactions on your Account even though sales, cash advance, or creditslips may contain different terms. We may amend this agreement from time totime by sending you the advance written notice required by law. To the extentpermitted by law, and as indicated in our notice, amendments will apply to yourexisting Account balance as well as future transactions. We reserve the right toreview your credit and either increase or decrease your credit limit or APR fornew balances. APR increases will not impact existing balances unless you aremore than 60 days late with a payment or unless otherwise permitted byapplicable law.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.15.SAFEDONATIONPROGRAMTERMSANDCONDITIONS:Tobeeligible for the donation on the Partner for Change Visa Card, you must make atleast $1,000 in Purchases in each calendar year, your account must not be morethan 30 days past due from January 1st to the time of sending the donation, andyou must otherwise be a member in good standing. The Partner for ChangeVisa® Line must be open as of year-end for the  donation to be paid by the endof February (two months following year-end). Each year we determine the dollaramount of purchases that posted to your account during the calendar year, lessany purchase credits, returns or adjustments other than payments. As long as youmeet the above stated requirements,  SAFE will donate up to 1% of totalpurchases to the organization you selected. No  donation is  paid on CashAdvances, including Convenience Checks, ATM withdrawals and BalanceTransfers. The list of organizations participating in the Program is subject tochange and any organization’s partnership may be discontinued at any timewithout notice. For a current list of participating organizations, call us at (916)979-7233 or visit our website at www.safecu.org. We reserve the right to change,delete from, or add to the  Donation Program Terms and Conditions, or to add,eliminate or change the Donation Program or terminate the Program entirely(“Program Changes”). When Program Changes are made, we will, at our option,post them to our website or provide you with notice. We reserve the right to denyyour Program eligibility at any time.16.FINANCECHARGE–YouraccountwillbesubjecttoaFINANCECHARGE(interest)attheperiodicrateof0.742%-1.242%permonthwhichcorrespondstoanANNUALPERCENTAGERATEof8.90%-14.90%onthepurchaseandAdvanceAverageDailyBalances.ThisrateisavariableratewhichmaybechangedmonthlybasedonthemovementsoftheWallStreetJournalPrimeRate,whichisthePrimeRatepublishedthe15thofeachmonthintheWallStreetJournal,WesternEdition,plus5.65-11.65percentagepoints.ThereisnolimitationontheamountofincreaseintheANNUALPERCENTAGERATE.AnincreaseinthePrimeRatewillresultinanincreaseintheamountofyourFINANCECHARGE,minimumperiodicpayment,andOutstandingBalance.Wefiguretheinterestchargeonyouraccountbyapplyingtheperiodicratetothe“averagedailybalance”ofyouraccount.Togetthe“averagedailybalance”wetakethebeginningbalanceofofyouraccounteachday,addanynewpurchases,advancesandfees,andsubtractanyunpaidinterestorotherfinancechargesandanypaymentsorcredits.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesusthe“averagedaily balance."  (continued from reverse)17.HOWTOAVOIDPAYINGINTERESTONPURCHASESYouhaveuntilthepaymentduedate(25daysfromthebillingcycle)topayyourbalanceinfullbeforeaFINANCECHARGE(interest)isassessedonthepurchasebalance.Ifyoudonotpayyourbalanceinfullbythepaymentduedate,youwillbechargedaFINANCECHARGEonthethenoutstandingpurchasebalanceandonfuturepurchasesfromthetransactiondate.IfduringthepreviousbillingcycleyouPaidinFullbythePaymentDueDate,theninthecurrentbillingcycleyouwillhaveaGracePeriodontheamountofthePurchasebalanceremainingfromthepreviousbillingcyclethatispaidbythePaymentDueDate,basedonourpaymentallocationmethod.Wewillbegincharginginterestoncashadvancesandbalancetransfersasofthetransaction date.18.CASHADVANCEFEEForeachcashadvance(excludingcashadvancestakenatanySAFEATM,throughCALL-24,orOnlineBanking)thereisatransactioncharge equal to 3% of the amount of the advance or $10, whichever is greater.  The charge will be billed to your monthly Visa statement.19.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. 20.VISAINTERNATIONALSERVICECENTER-Foradditionalinformationorclaiminformationonthefollowingservices,call(800)VISA911(800-947-2911): Auto Rental Insurance, Emergency Card & Cash, Travel & Emergency Assistance Service, Visa Phone, and Warranty Manager Service. 21. WE MAY CONTACT YOUSERVICINGANDCOLLECTIONS:Ifweneedtocontactyoutoserviceyouraccountortocollectanamountyouowe,youauthorizedus(andouraffiliates,agentsandcontractors)tocontactyouatanynumberyouprovide,fromwhichyoucallus,oratwhichwebelievewecanreachyou.Wemaycontactyouinanyway,suchascallingortexting.Wemaycontactyouusinganautomateddialerorprerecordedmessages.Wemaycontactyouonamobile,wireless,orsimilardevice,evenifyouare charged for it.  CALLMONITORING:Fromtimetotimewemaymonitorand/orrecordcallsbetweenyouandustoassurethequalityofourcustomerservice,orasrequiredbyapplicable law. PARTNER FOR CHANGE 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- Cash Advance- Foreign Transaction- Balance TransferEither$10or3%oftheamountofeachtransaction,whicheverisgreaterUpto1%ofthetransactionamountNoneFeesPenalty Fees- Late Payment- Returned Payment$15orminimumpaymentamount,whicheverislessifpaymentnotreceivedwithin15days of due dateAtcost,nottoexceed$10HowWeWillCalculateYourBalance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."SeeSection16.FINANCECHARGE on your account agreement for more details.BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyouragreement.Annual Percentage Rate(APR) for Purchases8.90%-14.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.8.90%-14.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.8.90%-14.90%ThisAPRwillvarywiththemarketbasedonthePrimeRate.