\[
c' = 15 \, {kN/m}^2, \, \phi' = 15^\circ, \, c_u = 75 \, {kN/m}^2
\]
\[
\gamma_{{above}} = 19 \, {kN/m}^3, \, \gamma_{{below}} = 20 \, {kN/m}^3, \, \gamma_{{w}} = 9.81 \, {kN/m}^3
\]
\[
{Shear stress at point A} = 60 \, {kN/m}^2
\]
For long-term, effective shear parameters will be used. The factor of safety (FOS) is given by:
\[
{FOS} = \frac{C' + \sigma_n \tan\phi'}{\tau}
\]
Where \( \sigma_n \) is the normal stress. To calculate \( \sigma_n \), we use the following formula:
\[
\sigma_n = (5y_B + 6.5y_{{sat}} - 6.5y_w)
\]
Substituting the values:
\[
\sigma_n = (5 \times 19 + 6.5 \times 20 - 6.5 \times 9.81) = 161.235 \, {kN/m}^2
\]
Now, calculate the factor of safety:
\[
{FOS} = \frac{15 + 161.235 \times \tan 15^\circ}{60} = 0.97
\]
Thus, the factor of safety is \( \boxed{0.97} \) (rounded to two decimal places).