FEDERAL CREDIT UNION CCCOR 
Visa Platinum Low-Rate 
Credit Card Disclosures 
Effective April 2, 2020 Interest Rates and Interest Charges Annual PercentageRate (APR) forPurchases 
0.00% introductory rate for the first 12 billing cycles after a new 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 
7.99%-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 7.99%-18.00%* based on credit worthiness and prime rate. 
APR for Cash Advances The APR for cash advances is 7.99%-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 The penalty APR is 18.00%. This APR may be applied to your account if you: It Applies (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 TipsTo 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   
                                                                                                                                                                                                                                                                       
 
 
 
 
  
  
 
 
    
       
 
   
 
    
 
    
 
    
 
       
 
       
 
       
 
     
 
 
    
         
 
     
 
    
 
                                                            
 
 
  
     
    
  
 
  
  
   
    
   
     
  
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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 variable 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 7.99% 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 
0.6658 % 
1.50%* -7.99% -
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 cycles 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 called �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 and 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 may 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 P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 00029 Rev. 04.02.2020 Page 2 of 12   
                                                                                                                                                                                                                                                                                 
    
                                            
                                                                                           
                               
 
           
 
 
    
                                                          
 
                
       
  
  
    
 
  
 
 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 Low-Rate 
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 MAY 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 "cardholder" 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 all 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 secureyour 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 -- regardless of contributions, that you have on deposit now or in the future. Your pledge does notinclude 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 EXCEPTION: 
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 exceptedin 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 
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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 accordance 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 may 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 geographic 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. 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 4. ATM ACCESS If you have received 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 Agreement. 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 the 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 toprovide 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 increase 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 (either 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 set for such an increase; and (c) this process 
00029 Rev. 04.02.2020 Page 4 of 12   
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   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 that 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 use 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 Card(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 comply 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 transfers, 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. 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 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 partof 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 electronic 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 not 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, whichever 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 Minimum 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 being 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 "Payment 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. 
00029 Rev. 04.02.2020 Page 5 of 12   
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          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 CURRENCY 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, or 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 settled 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 each 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: 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 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 outstanding 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 payment 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 deducting 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 outstanding 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 forth 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 govern your obligations regarding any unpaid balance 
00029 Rev. 04.02.2020 Page 6 of 12   
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             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 Credit 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 periodic 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 interest 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 the 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 authorize. 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 rewards 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. 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 15. MERCHANT DISPUTES The Credit Union is not responsible for the refusal of my merchant or financial institution to honor your Card except 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 for 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 asserted 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 afraid 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 to any unauthorized use. In this regard, you agree to file an appropriate police report when 
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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 other 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 will 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. 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 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 insecure (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 change 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 transaction; 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 Governing 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 from 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 any 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 
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          time, and in the course of doing so, we may ask you to provide additional 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 each 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 Card 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 your account is closed, expires or your credit privileges are terminated or suspended, you will remain responsible for paying all amounts you owe us according to the terms of this Agreement. Without limiting 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 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 return 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, creation 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 law. 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 charge 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 the 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 proceed 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 authorized 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. 
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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 Agreement 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, transactions 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 joint 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 make; 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 charges 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 does 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 
SAFE Federal Credit Union P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 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 and 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 event 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 accept, 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 Union�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 indemnify 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 the 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 will 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 investigating 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 your 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 charges. 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 any 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 YOUR 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 authorized 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 investigating, 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 owe 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 must 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 services. 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 P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 00029 Rev. 04.02.2020 Page 11 of 12   
                                                                                                                                                                                                                                                                                                                                               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 P.O. Box 2008, Sumter SC 29151-2008 1.800.763.8600 803.469.8600 00029 Rev. 04.02.2020 Page 12 of 12