b'Nusenda Federal Credit Union\n\nVISA\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE\nTerms. In this Agreement, the following definitions will apply\nthroughout. The words, \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the\nperson(s) who applied for the Account, the person(s) to\nwhom we issue the Card(s) or Convenience Checks, the\nperson who uses the Account, co-borrower/co-signer, and\nany joint applicant or guarantor all of whom are bound by all\nthe terms and conditions of the Agreement. The word \xe2\x80\x9cCard\xe2\x80\x9d\nmeans one or more Cards that we have issued with your\nAccount number. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean\nNusenda Federal Credit Union, Albuquerque, New Mexico,\nits successors and assigns. The words \xe2\x80\x9cConvenience\nChecks\xe2\x80\x9d mean one or more checks that we may provide to\naccess your Credit Card Account. This Agreement is binding\non each Cardholder, borrower, or co-borrower obtaining\ncredit with the Card, jointly and severally.\nAgreement and Promise to Pay. This is your current\nagreement governing the use of your Nusenda Federal Credit\nUnion Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) Account (\xe2\x80\x9cAccount\xe2\x80\x9d). The first\ntime that you or someone you authorize uses, accepts\nor signs the Card(s), it will mean that you have accepted\nand agreed to this Agreement and you promise to pay us\nthe total amount of any purchases, advances and\nConvenience Check advances together with any Finance\nCharges, fees, other charges and collection costs. If this is a\nJoint Account, each of you separately and all of you jointly\nwill be liable for all amounts owing on the Account and will\nbe responsible for complying with this Agreement, even if the\nAccount is only used by one of you. Further, if this is a Joint\nAccount, each of you agrees that we may mail statements\nand notices regarding the Account to the single address\nshown on our records as the address for statements and\nnotices regarding the Account (\xe2\x80\x9cthe Account Address\xe2\x80\x9d).\nUse of Account. Your line of credit amount and Card terms\nwill be disclosed to you when you receive your Card. The full\namount of your credit line is available to buy or lease goods\nor services wherever the Card is honored. In most cases, you\nwill be asked to present your Card and sign a sales slip or to\ngive your Personal Identification Number. Your cash advance\nlimit is available for cash advances, cash advances at any\nautomated teller machine that accepts the Card or by using\nConvenience Checks. The total amount charged on your\nAccount, including purchases, cash advances, Finance\nCharges, fees or other charges must always remain below\nyour credit limit.\nInternet gambling may be illegal in the jurisdiction in which\nyou are located, including the United States. Your card may\nonly be used for legal transactions. Display of a payment\ncard logo by an online merchant does not mean that Internet\ngambling transactions are lawful in all jurisdictions in which\nyou may be located.\nAdditional Cards. You may request additional Cards on\nyour Account for yourself or others and you may permit\nanother person to have access to the Card or Account\nNumber, provided that person signs a Credit Card application\nor an authorized user form. However, if you do, you are liable\nfor all charges made by those persons. You must notify us to\nrevoke permission for any person you previously authorized\nto use your Account. If you tell us to revoke another person\xe2\x80\x99s\nuse of your Account, we may close the Account and issue a\nnew Card or Cards with a different Account Number. You are\nresponsible for the use of each Card issued on your Account\naccording to the terms of this Agreement. Notwithstanding\nthe foregoing, due to federal laws and regulations, if you are\nunder 21 years of age and you revoke the permission of your\nco-borrower, we may request that you obtain another\nco-borrower who is 21 years of age or older or terminate your\naccount, in our sole discretion.\nBalance Transfers and Promotions. We may from time\nto time offer special rates on balance transfers and balances\ncreated through other promotional programs. If you transfer\na balance from another creditor\xe2\x80\x99s Account through a balance\n\ntransfer promotion, the transferred balance will be subject to\nthe terms of the applicable balance transfer offer. Balance\ntransfers may be treated as cash advance transactions. With\neach balance transfer and other promotional programs, the\nterms, including the ANNUAL PERCENTAGE RATE and the\ncorresponding monthly periodic rate used in determining\nyour FINANCE CHARGE and the effective dates, will be\ndetailed in the offer.\nConvenience Checks. Convenience Checks may be used\nto purchase goods and services or to obtain cash up to the\namount of your available credit limit. We will treat\nConvenience Checks as a cash advance. We will charge a\nFinance Charge on Convenience Check advances from the\ndate the Convenience Check is posted to your Account, until\nthe day we receive payment in full. Each Convenience Check\nmust be in the form we have issued and must be used\naccording to the instructions we give you. Only the person\nwhose name is printed on them may use Convenience\nChecks. Convenience Checks may not be used to pay any\namount owed to us under this or any other Nusenda\nFederal Credit Union Card Agreement. We will not certify any\nConvenience Checks, nor will we return paid\nConvenience Checks.\nStatements. Each month in which your Account has a\nbalance you will receive a statement showing the balance\ndue. Your statement will show the minimum amount you\nmust pay and the date by which we must receive your\npayment. The due date will be at least 21 days after the\nstatement is mailed. The statement also shows your current\ncredit limit and an itemized list of current charges, cash\nadvances, including cash advances made by Convenience\nChecks, payments and credits, an itemized summary of the\npurchase balance, the cash advance balance, Finance\nCharges on each, and other important information.\nFINANC E CHARGES :\nPlease see enclosed Addendum for information on\nFinance Charges.\nPayment Default. The Penalty Rate applies to new and\noutstanding account balances if you fail to make the\nrequired minimum payment to Nusenda Federal Credit\nUnion within 60 days after the payment is due. The\nincrease will terminate once the cardholder has made six\nconsecutive minimum payments on time, starting with the\nfirst payment after the date on which it is imposed. If the\nsix consecutive on time minimum payments are not made,\nwe have the option of keeping the Penalty ANNUAL\nPERCENTAGE RATE on your account indefinitely, subject to\napplicable laws and regulations.\nSecurity Interest. (This only applies to Secured Card\nAccounts.) To secure payment of all amounts you owe on\nyour Account or otherwise to Nusenda Federal Credit\nUnion, you assign, pledge and grant us a security\ninterest in your interest in the Security Account, including the\ninitial funds with which you established your Security\nAccount and any additional funds thereto as well as all\ninterest accrued thereon, pursuant to the Security Account\nAssignment Agreement you executed.\nMinimum Monthly Payment. You agree to pay a minimum\nmonthly payment equal to: (1) the greater of $10.00 or 2%\nof the new balance (rounded to whole dollars), plus the past\ndue amount of any prior minimum monthly payments; plus\n(2) the full amount by which the Account balance exceeds\nyour credit line. If the total amount owed is less than $10.00,\nthe minimum monthly payment will equal the entire new\nbalance shown on the monthly statement. You may pay any\namount in excess of your minimum monthly payment and\nyou may pay your Account in full. Should you fail to make\nyour minimum payment, by the payment due date, you agree\nto pay a Late Payment Fee. You agree that we may change\nthis Late Payment Fee.\n\n\x0cVISA\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)\nAdditional Payment Terms. All payments must be made\nin U.S. dollars and delivered to us at any one of our branch\noffices or to the address shown on the monthly statement. If\nwe receive your payment before 5:00 p.m. (Mountain\nStandard Time) on a business day, at the address shown on\nthe front of your monthly statement or at any of our branch\noffices, we will credit your payment as of the date of receipt.\nAll other payments will be credited to your Account on the\nnext business day following receipt. We may accept late or\npartial payments as well as payments marked \xe2\x80\x9cPAID IN\nFULL\xe2\x80\x9d or other restrictive endorsements, without losing any\nof our rights under this Agreement and without such\npayments constituting full accord and satisfaction of the\ndebt. If you make payments using personal checks, and your\nfinancial institution refuses to pay the check and returns it\nto us, you agree to pay a Return Payment Fee. If your loan\nAccount balance is less than the minimum payment amount\nyou must pay the entire balance. You may repay all or part of\nwhat you owe at any time. However, so long as you owe any\namount you must continue to make your periodic minimum\npayment. Your minimum monthly payment will be allocated\nto your account in accordance with all applicable laws and\nregulations.\nPersonal Identification Number. We will issue you a\nPersonal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) to be used with your\nCard. You agree not to write this PIN on your Card, and not to\ncarry your PIN with you at the same time as you carry your\nCard. We will treat any charge made by you using your Card\nand PIN as having been authorized by you. If you keep your\nPIN with the Card, we can refuse to reissue your Card.\nChange of Terms. We can change the terms of this\nAgreement, including all fees, other charges and Annual\nPercentage Rate, at any time, subject to applicable laws and\nregulations.\nEvents of Default. You are in default if you fail to pay the\nminimum payment listed on each billing statement on time,\nfile for bankruptcy, exceed your credit limit without our\npermission, or default on this or any other Nusenda\nFederal Credit Union Card Agreement you have with us. If\nyou are in default, we may close your Account and require a\nshorter amortization of your account balance, subject to\napplicable laws and regulations. No notice is required.\nWe may also declare the whole balance due if you die, if\nyou make false or misleading statements on your\napplication, or if other creditors attach or garnish your\nproperty. If you have given us a security interest in a share\nAccount, share draft Account, or certificate of deposit, we\nmay use the deposit amount to pay any amount you owe\nus.\nCollection Costs. If we have to refer collection of your\nAccount to a lawyer (who is not our salaried employee), to\nthe extent permitted by law, you will have to pay our\nattorney\xe2\x80\x99s fee plus court costs and any other fees.\nInformation Reporting. We may report your performance\nunder this Agreement to credit reporting agencies, including\nyour failure to make minimum payments on time. A negative\ncredit report may significantly harm your ability to obtain\ncredit from other sources. We may also obtain follow-up\ncredit reports on you (for example, when we review your\nAccount for a credit line increase). We may exchange\ninformation about you or your Account with our affiliates,\nand, to the extent permitted by law, with other third parties.\nHowever, if you prefer that we not share such information\nwith our affiliate companies, just call us at (505) 889-7755\n\n2\n\nor outside the Albuquerque area, 1-800-347-2838. You may\nalso write to us at Nusenda Federal Credit Union, P.O.\nBox 8530, Albuquerque, New Mexico 87198.\nClosing Your Account. You may close your Account at any\ntime by notifying us in writing. However, you remain\nresponsible to pay the balance according to the terms of this\nAgreement. We may close your Account or suspend your\nAccount privileges at any time without prior notice. We may\nalso reissue a different Card, Account Number, or different\nchecks at any time. You must return the Card or the checks\nto us upon request.\nLost or Stolen Cards. If any Card, Account Number, PIN or\nConvenience Check is lost or stolen, or if you think someone\nused or may use them without your permission, notify us at\nonce by calling the telephone number shown on the billing\nstatement or by calling 1-800-325-3678. We may require\nyou to provide certain information in writing to help us find\nout what happened. Do not use the Card or Convenience\nChecks after we\xe2\x80\x99ve been notified, even if they are found or\nreturned. You will not be liable for any unauthorized\npurchases or cash advances made after we\xe2\x80\x99ve been notified\nof the loss or the theft; however, you must identify for us the\ncharges on the billing statement that were not made by you\nor someone authorized by you, and from which you received\nno benefit.\nCredit Authorizations. We are not responsible if we do not\napprove a purchase or cash advance on your Account, or if a\nthird party refuses to accept or honor the Card, even if you\nhave sufficient credit available. We may limit the number of\npurchases or cash advances which may be approved in one\nday. If we detect unusual or suspicious activity on your\nAccount, we may temporarily suspend your credit privileges\nuntil we can verify the activity. We may approve purchases or\ncash advances that cause the balance to exceed your credit\nline without waiving any of our rights under the Agreement.\nWaiver. Our failure to exercise, or our delay in exercising any\nof our rights under this Agreement for any reason does not\nmean that we will be unable to exercise these rights later.\nAssignment. You may not sell or transfer your Account or\nany rights or obligations hereunder without our prior written\nconsent. We may sell, assign or transfer your Account and\nany amounts owed by you to another creditor at any time\nwithout prior notice unless otherwise required by law. If we\ndo, this Agreement shall remain in effect.\nApplicable Law. Federal law and the law of the state where\nthe Credit Union is located shall govern the terms and\nenforcement of this Agreement. Invalidity of any part of\nthis Agreement does not affect the remaining parts.\nQuestions. If you have any questions about your statement,\nplease contact us. You should write to Nusenda Federal\nCredit Union, P.O. Box 8530, Albuquerque, New Mexico\n87198, or call us at the telephone number that will appear\non your monthly statement. In case you believe there is a\nmistake on your statement, read the following information\nregarding your right to dispute billing errors.\nYour monthly statement shall be presumed to be correct\nunless you notify us in writing within 15 days from the date\nof mailing in business transactions, or within 60 days from\nthe date of mailing in case of consumer transactions.\n\xe2\x80\x9cConsumer Transaction\xe2\x80\x9d means purchases or advances for\npersonal, family or household purposes.\n\n\x0cVISA\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\n\n3\n\nAfter we finish our investigation, one of two things\nwill happen:\n\nThis notice contains important information about your\nrights and our responsibilities under the Fair Credit\nBilling Act.\n\n\xe2\x80\xa2 If We Made a Mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n\nWhat To Do If You Find a Mistake on Your Statement. If\nyou think there is an error on your statement, write us at:\n\n\xe2\x80\xa2 If We Do Not Believe there was a Mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\n\nCustomer Service\nP.O. Box 30495\nTampa, FL 33630\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account\nNumber.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the\nsuspected error.\n\xe2\x80\xa2 Description of Problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on\nyour statement.\n\xe2\x80\xa2 At least 3 business days before an automated\npayment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may\ncall us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in\nquestion.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1.\n\nWithin 30 days of receiving your letter, we must notify\nyou that we received your letter. We will also notify\nyou if we have corrected the error.\n\n2.\n\nWithin 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct.\n\nWhile we investigate whether or not there has been\nan error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\n\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with you credit card, and\nyou have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home\nstate or within 100 miles of your current address, and\nthe purchase price must have been for more than\n$50.00. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account\ndo not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are\nstill dissatisfied with the purchase, contact us in\nwriting at:\nCustomer Service\nP.O. Box 30495\nTampa, FL 33630\n\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe\nan amount and you do not pay, we may report you as\ndelinquent.\n\n\x0cFederally insured by NCUA \xe2\x80\xa2 Equal Opportunity Lender\n\nVADl 3/17\n\n\x0cNusenda Federal Credit Union\n\nVISA\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE\nADDENDUM: Prime + 7.75%\n\nFINANCE CHARGES:\nBalance Computation Method. We figure the interest\ncharge on your account by applying the periodic rate to the\n"average daily balance" of your account. To get the "average\ndaily balance" we take the beginning balance of your\naccount each day, add any new purchases, advances and\nfees, and subtract any unpaid interest or other finance\ncharges and any payments or credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing\ncycle. This gives us the "average daily balance."\nAnnual Percentage Rate for Purchase Transactions.\nThe ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and\nmay change monthly based on changes in an index. The\nindex is the Prime Rate, as published in The Wall Street\nJournal ("Index"). If the Index becomes unavailable during\nthe term of this account, the credit union may substitute a\nnew Index after notice to you. The interest rate will be\nadjusted on the first day of each billing cycle, based on the\nmost recent Index figure available as of the fifth business\nday of the last month immediately preceding the new billing\ncycle. If the fifth day falls on a Saturday, Sunday or holiday,\nthe Prime Rate published on the next business day will be\nused. To determine the ANNUAL PERCENTAGE RATE for\npurchase transactions, we add a \xe2\x80\x9cMargin\xe2\x80\x9d of 7.75% to the\nIndex. This gives us the new purchase transaction APR. The\nANNUAL PERCENTAGE RATE will not exceed the maximum\nrate of 18.0%. The monthly periodic rate of FINANCE\nCHARGES is 1/12th of the ANNUAL PERCENTAGE RATE.\nThe ANNUAL PERCENTAGE RATE for purchases could\nchange monthly. An increase in the Prime Rate may increase\nboth the number of minimum monthly payments required to\nrepay the account balance and the amount of each minimum\nmonthly payment. The Prime Rate as of March 20, 2017was\n4.00%, which results in an ANNUAL PERCENTAGE RATE of\n11.75% for purchase transactions and a monthly periodic\nrate of FINANCE CHARGE of 0.9791%. To find out the\ncurrent prime rate, visit www.bankrate.com/rates/interestrates/wall-street-prime-rate.aspx.\nFinance Charges On Purchases. We will calculate the\nFinance Charge on your Account for purchase transactions,\nif you did not pay the total New Balance listed on the last\nbilling statement in full by the payment due date. When you\ndo not pay the New Balance in full, Finance Charges on\npurchases begin to accrue on the date the purchase is\nposted to your Account. If there is a FINANCE CHARGE due\nwhich is less than $1.00, you will be charged a minimum\nFINANCE CHARGE of $1.00.\nAnnual Percentage Rate for Cash Advances. \xc2\xadThe\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and may\nchange monthly based on changes in an Index. The Index is\nthe Prime Rate as published in The Wall Street Journal\n("Index"). If the Index becomes unavailable during the term\nof this account, the credit union may substitute a new Index\nafter notice to you. The interest rate will be adjusted on the\nfirst day of each billing cycle, based on the most recent Index\nfigure available as the fifth business day of the last month\nimmediately preceding the new billing cycle. If the 5th day\nfalls on a Saturday, Sunday or holiday, we use the Prime Rate\npublished on the next business day. To determine the\nANNUAL PERCENTAGE RATE for cash advance\ntransactions, we add a \xe2\x80\x9cMargin\xe2\x80\x9d of 7.75% to the Index. This\n\ngives us the new cash advance transaction APR. There is no\nlimit on the amount the APR may increase at any one time.\nThe ANNUAL PERCENTAGE RATE will not exceed the\nmaximum rate of 18%. The monthly periodic rate of\nFINANCE CHARGE is 1/12th of the ANNUAL PERCENTAGE\nRATE.\nThe ANNUAL PERCENTAGE RATE for cash advances may\nchange monthly. An increase in the Prime Rate may increase\nboth the number of minimum monthly payments required to\nrepay the Account balance and the amount of each minimum\nmonthly payment. The Prime Rate as of March 20, 2017 was\n4.00%, which results in an ANNUAL PERCENTAGE RATE\nOF 11.75% for cash advance transactions and a monthly\nperiodic rate of FINANCE CHARGE OF 0.9791%. To find out\nthe current prime rate, visit www.bankrate.com/rates/\ninterest-rates/wall-street-prime-rate.aspx.\nFinance Charges on Cash Advances. We will charge a\nFinance Charge on cash advances from the day you take\nthem until the day we receive payment in full as follows: To\nfigure the Finance Charge for a billing cycle, we will apply a\nmonthly periodic rate of Finance Charge to the average daily\nbalance of your cash advance transactions, including current\ntransactions, for the billing cycle. If there is a FINANCE\nCHARGE due which is less than $1.00, you will be charged\na minimum FINANCE CHARGE of $1.00. For each cash\nadvance you obtain, you agree to pay a FINANCE CHARGE\nin the form of a cash advance transaction fee equal to 1% of\nthe cash advance, not less than $2.00, but not more than\n$20.00.\nEffect of Change in the Annual Percentage Rate. The\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and may\nchange monthly based on changes in an Index. The Index is\nthe Prime Rate, as published in The Wall Street Journal\n("Index"). If the Index becomes unavailable during the term\nof this account, the credit union may substitute a new Index\nafter notice to you. The interest rate will be adjusted on the\nfirst day of each billing cycle, based on the most recent Index\nfigure available as of the fifth business day of the last month\nimmediately preceding the new billing cycle. Any increase in\nAPR may increase your minimum payment.\nPayment Default. The Penalty Rate applies to new and\noutstanding account balances if you fail to make the\nrequired minimum payment to Nusenda Federal Credit\nUnion within 60 days after the payment is due. The increase\nwill terminate once the cardholder has made six consecutive\nminimum payments on time, starting with the first payment\nafter the date on which it is imposed. If the six consecutive\non time minimum payments are not made, we have the\noption of keeping the Penalty ANNUAL PERCENTAGE RATE\non your account indefinitely, subject to applicable laws and\nregulations.\nAnnual Percentage Rate for the Default Rate. The\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is currently nonvariable and is tied to the National Credit Union\nAdministration\'s established maximum rate of interest. As of\nMarch 20, 2017 the rate is 18.00%. The monthly periodic\nrate of FINANCE CHARGE is 1/12th of the ANNUAL\nPERCENTAGE RATE which results in a monthly periodic rate\nof a FINANCE CHARGE of 1.50% . If the six consecutive on\ntime minimum payments are not made, we have the option\nof keeping the Penalty APR on your account indefinitely.\n\n\x0c\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) \t\t\t\t2\nVISA\nAuto\nRental Collision Damage Waiver Program (Cont.)\n\nOTHER FEES:\nA. \x07Late Fee - if you fail to make your minimum payment on\ntime, a late payment fee will be assessed. You agree to\npay a Late Payment Fee of up to $25.00. You agree that\nwe may change this Late Payment Fee.\n*If we receive more than one of your last six payments\nafter the due date listed on your monthly statement, you\nmay be assessed a Late Payment Fee of up to $35.00.\nB. \x07Returned Payment Fee - If you make payments using\npersonal checks, and your financial institution refuses to\npay the check and returns it to us, you agree to pay a\nReturn Payment Fee of up to $25.00.\nC. \x07\nStop Payment Fee - We will assess a $25.00 Stop\nPayment Fee when the payment of a Convenience Check\nis stopped at your request. You may stop payment on a\nConvenience Check by notifying us in writing at P.O. Box\n8530, Albuquerque, New Mexico 87198. Once a charge\nis made through the use of the Card or Account Number\nwe cannot "stop payment" on the charge. If there is a\ndispute involving a charge on your Account, please refer\nto the section entitled "Your Billing Rights" in the Visa\nCredit Card Agreement and Disclosure.\nD. \x07Cash Advance Fee - We will assess a FINANCE CHARGE\nin the form of a cash advance transaction fee equal to 1%\nof the cash advance, not less than $2.00, but not more\nthan $20.00.\nE. \x07Copy Charges - A $2.00 per page fee will be assessed for\neach additional copy you request of a monthly billing\nstatement. A $4.00 charge will be assessed for each\ncharge slip copy you request.\nF. Annual Fee - None.\nForeign Currency Exchange Rate. Purchases and cash\nadvances made in foreign countries will be billed to you in\nU.S. dollars. Visa charges a 0.8% fee on all international\ntransaction where a currency conversion is not performed.\nWhen a currency conversion occurs, Visa charges a 1.0%\nfee.\nThe conversion rate to U.S. dollars will be made in accordance\nwith the operating regulations for international transactions\nestablished by Visa International Inc. Unless the converted\namount is determined to be in error, the converted amount\nwill be due as well as any conversion charges that may be\nimposed.\n\nFederally insured by NCUA \xe2\x80\xa2 Equal Opportunity Lender\n\nADM3 3/17\n\n\x0c'


b'Nusenda Federal Credit Union\n\nVISA\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE\nTerms. In this Agreement, the following definitions will apply\nthroughout. The words, \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the\nperson(s) who applied for the Account, the person(s) to\nwhom we issue the Card(s) or Convenience Checks, the\nperson who uses the Account, co-borrower/co-signer, and\nany joint applicant or guarantor all of whom are bound by all\nthe terms and conditions of the Agreement. The word \xe2\x80\x9cCard\xe2\x80\x9d\nmeans one or more Cards that we have issued with your\nAccount number. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean\nNusenda Federal Credit Union, Albuquerque, New Mexico,\nits successors and assigns. The words \xe2\x80\x9cConvenience\nChecks\xe2\x80\x9d mean one or more checks that we may provide to\naccess your Credit Card Account. This Agreement is binding\non each Cardholder, borrower, or co-borrower obtaining\ncredit with the Card, jointly and severally.\nAgreement and Promise to Pay. This is your current\nagreement governing the use of your Nusenda Federal Credit\nUnion Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) Account (\xe2\x80\x9cAccount\xe2\x80\x9d). The first\ntime that you or someone you authorize uses, accepts\nor signs the Card(s), it will mean that you have accepted\nand agreed to this Agreement and you promise to pay us\nthe total amount of any purchases, advances and\nConvenience Check advances together with any Finance\nCharges, fees, other charges and collection costs. If this is a\nJoint Account, each of you separately and all of you jointly\nwill be liable for all amounts owing on the Account and will\nbe responsible for complying with this Agreement, even if the\nAccount is only used by one of you. Further, if this is a Joint\nAccount, each of you agrees that we may mail statements\nand notices regarding the Account to the single address\nshown on our records as the address for statements and\nnotices regarding the Account (\xe2\x80\x9cthe Account Address\xe2\x80\x9d).\nUse of Account. Your line of credit amount and Card terms\nwill be disclosed to you when you receive your Card. The full\namount of your credit line is available to buy or lease goods\nor services wherever the Card is honored. In most cases, you\nwill be asked to present your Card and sign a sales slip or to\ngive your Personal Identification Number. Your cash advance\nlimit is available for cash advances, cash advances at any\nautomated teller machine that accepts the Card or by using\nConvenience Checks. The total amount charged on your\nAccount, including purchases, cash advances, Finance\nCharges, fees or other charges must always remain below\nyour credit limit.\nInternet gambling may be illegal in the jurisdiction in which\nyou are located, including the United States. Your card may\nonly be used for legal transactions. Display of a payment\ncard logo by an online merchant does not mean that Internet\ngambling transactions are lawful in all jurisdictions in which\nyou may be located.\nAdditional Cards. You may request additional Cards on\nyour Account for yourself or others and you may permit\nanother person to have access to the Card or Account\nNumber, provided that person signs a Credit Card application\nor an authorized user form. However, if you do, you are liable\nfor all charges made by those persons. You must notify us to\nrevoke permission for any person you previously authorized\nto use your Account. If you tell us to revoke another person\xe2\x80\x99s\nuse of your Account, we may close the Account and issue a\nnew Card or Cards with a different Account Number. You are\nresponsible for the use of each Card issued on your Account\naccording to the terms of this Agreement. Notwithstanding\nthe foregoing, due to federal laws and regulations, if you are\nunder 21 years of age and you revoke the permission of your\nco-borrower, we may request that you obtain another\nco-borrower who is 21 years of age or older or terminate your\naccount, in our sole discretion.\nBalance Transfers and Promotions. We may from time\nto time offer special rates on balance transfers and balances\ncreated through other promotional programs. If you transfer\na balance from another creditor\xe2\x80\x99s Account through a balance\n\ntransfer promotion, the transferred balance will be subject to\nthe terms of the applicable balance transfer offer. Balance\ntransfers may be treated as cash advance transactions. With\neach balance transfer and other promotional programs, the\nterms, including the ANNUAL PERCENTAGE RATE and the\ncorresponding monthly periodic rate used in determining\nyour FINANCE CHARGE and the effective dates, will be\ndetailed in the offer.\nConvenience Checks. Convenience Checks may be used\nto purchase goods and services or to obtain cash up to the\namount of your available credit limit. We will treat\nConvenience Checks as a cash advance. We will charge a\nFinance Charge on Convenience Check advances from the\ndate the Convenience Check is posted to your Account, until\nthe day we receive payment in full. Each Convenience Check\nmust be in the form we have issued and must be used\naccording to the instructions we give you. Only the person\nwhose name is printed on them may use Convenience\nChecks. Convenience Checks may not be used to pay any\namount owed to us under this or any other Nusenda\nFederal Credit Union Card Agreement. We will not certify any\nConvenience Checks, nor will we return paid\nConvenience Checks.\nStatements. Each month in which your Account has a\nbalance you will receive a statement showing the balance\ndue. Your statement will show the minimum amount you\nmust pay and the date by which we must receive your\npayment. The due date will be at least 21 days after the\nstatement is mailed. The statement also shows your current\ncredit limit and an itemized list of current charges, cash\nadvances, including cash advances made by Convenience\nChecks, payments and credits, an itemized summary of the\npurchase balance, the cash advance balance, Finance\nCharges on each, and other important information.\nFINANC E CHARGES :\nPlease see enclosed Addendum for information on\nFinance Charges.\nPayment Default. The Penalty Rate applies to new and\noutstanding account balances if you fail to make the\nrequired minimum payment to Nusenda Federal Credit\nUnion within 60 days after the payment is due. The\nincrease will terminate once the cardholder has made six\nconsecutive minimum payments on time, starting with the\nfirst payment after the date on which it is imposed. If the\nsix consecutive on time minimum payments are not made,\nwe have the option of keeping the Penalty ANNUAL\nPERCENTAGE RATE on your account indefinitely, subject to\napplicable laws and regulations.\nSecurity Interest. (This only applies to Secured Card\nAccounts.) To secure payment of all amounts you owe on\nyour Account or otherwise to Nusenda Federal Credit\nUnion, you assign, pledge and grant us a security\ninterest in your interest in the Security Account, including the\ninitial funds with which you established your Security\nAccount and any additional funds thereto as well as all\ninterest accrued thereon, pursuant to the Security Account\nAssignment Agreement you executed.\nMinimum Monthly Payment. You agree to pay a minimum\nmonthly payment equal to: (1) the greater of $10.00 or 2%\nof the new balance (rounded to whole dollars), plus the past\ndue amount of any prior minimum monthly payments; plus\n(2) the full amount by which the Account balance exceeds\nyour credit line. If the total amount owed is less than $10.00,\nthe minimum monthly payment will equal the entire new\nbalance shown on the monthly statement. You may pay any\namount in excess of your minimum monthly payment and\nyou may pay your Account in full. Should you fail to make\nyour minimum payment, by the payment due date, you agree\nto pay a Late Payment Fee. You agree that we may change\nthis Late Payment Fee.\n\n\x0cVISA\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)\nAdditional Payment Terms. All payments must be made\nin U.S. dollars and delivered to us at any one of our branch\noffices or to the address shown on the monthly statement. If\nwe receive your payment before 5:00 p.m. (Mountain\nStandard Time) on a business day, at the address shown on\nthe front of your monthly statement or at any of our branch\noffices, we will credit your payment as of the date of receipt.\nAll other payments will be credited to your Account on the\nnext business day following receipt. We may accept late or\npartial payments as well as payments marked \xe2\x80\x9cPAID IN\nFULL\xe2\x80\x9d or other restrictive endorsements, without losing any\nof our rights under this Agreement and without such\npayments constituting full accord and satisfaction of the\ndebt. If you make payments using personal checks, and your\nfinancial institution refuses to pay the check and returns it\nto us, you agree to pay a Return Payment Fee. If your loan\nAccount balance is less than the minimum payment amount\nyou must pay the entire balance. You may repay all or part of\nwhat you owe at any time. However, so long as you owe any\namount you must continue to make your periodic minimum\npayment. Your minimum monthly payment will be allocated\nto your account in accordance with all applicable laws and\nregulations.\nPersonal Identification Number. We will issue you a\nPersonal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) to be used with your\nCard. You agree not to write this PIN on your Card, and not to\ncarry your PIN with you at the same time as you carry your\nCard. We will treat any charge made by you using your Card\nand PIN as having been authorized by you. If you keep your\nPIN with the Card, we can refuse to reissue your Card.\nChange of Terms. We can change the terms of this\nAgreement, including all fees, other charges and Annual\nPercentage Rate, at any time, subject to applicable laws and\nregulations.\nEvents of Default. You are in default if you fail to pay the\nminimum payment listed on each billing statement on time,\nfile for bankruptcy, exceed your credit limit without our\npermission, or default on this or any other Nusenda\nFederal Credit Union Card Agreement you have with us. If\nyou are in default, we may close your Account and require a\nshorter amortization of your account balance, subject to\napplicable laws and regulations. No notice is required.\nWe may also declare the whole balance due if you die, if\nyou make false or misleading statements on your\napplication, or if other creditors attach or garnish your\nproperty. If you have given us a security interest in a share\nAccount, share draft Account, or certificate of deposit, we\nmay use the deposit amount to pay any amount you owe\nus.\nCollection Costs. If we have to refer collection of your\nAccount to a lawyer (who is not our salaried employee), to\nthe extent permitted by law, you will have to pay our\nattorney\xe2\x80\x99s fee plus court costs and any other fees.\nInformation Reporting. We may report your performance\nunder this Agreement to credit reporting agencies, including\nyour failure to make minimum payments on time. A negative\ncredit report may significantly harm your ability to obtain\ncredit from other sources. We may also obtain follow-up\ncredit reports on you (for example, when we review your\nAccount for a credit line increase). We may exchange\ninformation about you or your Account with our affiliates,\nand, to the extent permitted by law, with other third parties.\nHowever, if you prefer that we not share such information\nwith our affiliate companies, just call us at (505) 889-7755\n\n2\n\nor outside the Albuquerque area, 1-800-347-2838. You may\nalso write to us at Nusenda Federal Credit Union, P.O.\nBox 8530, Albuquerque, New Mexico 87198.\nClosing Your Account. You may close your Account at any\ntime by notifying us in writing. However, you remain\nresponsible to pay the balance according to the terms of this\nAgreement. We may close your Account or suspend your\nAccount privileges at any time without prior notice. We may\nalso reissue a different Card, Account Number, or different\nchecks at any time. You must return the Card or the checks\nto us upon request.\nLost or Stolen Cards. If any Card, Account Number, PIN or\nConvenience Check is lost or stolen, or if you think someone\nused or may use them without your permission, notify us at\nonce by calling the telephone number shown on the billing\nstatement or by calling 1-800-325-3678. We may require\nyou to provide certain information in writing to help us find\nout what happened. Do not use the Card or Convenience\nChecks after we\xe2\x80\x99ve been notified, even if they are found or\nreturned. You will not be liable for any unauthorized\npurchases or cash advances made after we\xe2\x80\x99ve been notified\nof the loss or the theft; however, you must identify for us the\ncharges on the billing statement that were not made by you\nor someone authorized by you, and from which you received\nno benefit.\nCredit Authorizations. We are not responsible if we do not\napprove a purchase or cash advance on your Account, or if a\nthird party refuses to accept or honor the Card, even if you\nhave sufficient credit available. We may limit the number of\npurchases or cash advances which may be approved in one\nday. If we detect unusual or suspicious activity on your\nAccount, we may temporarily suspend your credit privileges\nuntil we can verify the activity. We may approve purchases or\ncash advances that cause the balance to exceed your credit\nline without waiving any of our rights under the Agreement.\nWaiver. Our failure to exercise, or our delay in exercising any\nof our rights under this Agreement for any reason does not\nmean that we will be unable to exercise these rights later.\nAssignment. You may not sell or transfer your Account or\nany rights or obligations hereunder without our prior written\nconsent. We may sell, assign or transfer your Account and\nany amounts owed by you to another creditor at any time\nwithout prior notice unless otherwise required by law. If we\ndo, this Agreement shall remain in effect.\nApplicable Law. Federal law and the law of the state where\nthe Credit Union is located shall govern the terms and\nenforcement of this Agreement. Invalidity of any part of\nthis Agreement does not affect the remaining parts.\nQuestions. If you have any questions about your statement,\nplease contact us. You should write to Nusenda Federal\nCredit Union, P.O. Box 8530, Albuquerque, New Mexico\n87198, or call us at the telephone number that will appear\non your monthly statement. In case you believe there is a\nmistake on your statement, read the following information\nregarding your right to dispute billing errors.\nYour monthly statement shall be presumed to be correct\nunless you notify us in writing within 15 days from the date\nof mailing in business transactions, or within 60 days from\nthe date of mailing in case of consumer transactions.\n\xe2\x80\x9cConsumer Transaction\xe2\x80\x9d means purchases or advances for\npersonal, family or household purposes.\n\n\x0cVISA\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\n\n3\n\nAfter we finish our investigation, one of two things\nwill happen:\n\nThis notice contains important information about your\nrights and our responsibilities under the Fair Credit\nBilling Act.\n\n\xe2\x80\xa2 If We Made a Mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n\nWhat To Do If You Find a Mistake on Your Statement. If\nyou think there is an error on your statement, write us at:\n\n\xe2\x80\xa2 If We Do Not Believe there was a Mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\n\nCustomer Service\nP.O. Box 30495\nTampa, FL 33630\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account\nNumber.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the\nsuspected error.\n\xe2\x80\xa2 Description of Problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on\nyour statement.\n\xe2\x80\xa2 At least 3 business days before an automated\npayment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may\ncall us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in\nquestion.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1.\n\nWithin 30 days of receiving your letter, we must notify\nyou that we received your letter. We will also notify\nyou if we have corrected the error.\n\n2.\n\nWithin 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct.\n\nWhile we investigate whether or not there has been\nan error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\n\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with you credit card, and\nyou have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home\nstate or within 100 miles of your current address, and\nthe purchase price must have been for more than\n$50.00. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account\ndo not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are\nstill dissatisfied with the purchase, contact us in\nwriting at:\nCustomer Service\nP.O. Box 30495\nTampa, FL 33630\n\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe\nan amount and you do not pay, we may report you as\ndelinquent.\n\n\x0cFederally insured by NCUA \xe2\x80\xa2 Equal Opportunity Lender\n\nVADl 3/17\n\n\x0cNusenda Federal Credit Union\n\nVISA\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE\nADDENDUM: Prime + 5.75%\n\nFINANCE CHARGES:\nBalance Computation Method. We figure the interest\ncharge on your account by applying the periodic rate to the\n"average daily balance" of your account. To get the "average\ndaily balance" we take the beginning balance of your\naccount each day, add any new purchases, advances and\nfees, and subtract any unpaid interest or other finance\ncharges and any payments or credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing\ncycle and divide the total by the number of days in the billing\ncycle. This gives us the "average daily balance."\nAnnual Percentage Rate for Purchase Transactions.\nThe ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and\nmay change monthly based on changes in an index. The\nindex is the Prime Rate, as published in The Wall Street\nJournal ("Index"). If the Index becomes unavailable during\nthe term of this account, the credit union may substitute a\nnew Index after notice to you. The interest rate will be\nadjusted on the first day of each billing cycle, based on the\nmost recent Index figure available as of the fifth business\nday of the last month immediately preceding the new billing\ncycle. If the fifth day falls on a Saturday, Sunday or holiday,\nthe Prime Rate published on the next business day will be\nused. To determine the ANNUAL PERCENTAGE RATE for\npurchase transactions, we add a \xe2\x80\x9cMargin\xe2\x80\x9d of 5.75% to the\nIndex. This gives us the new purchase transaction APR. The\nANNUAL PERCENTAGE RATE will not exceed the maximum\nrate of 18.0%. The monthly periodic rate of FINANCE\nCHARGES is 1/12th of the ANNUAL PERCENTAGE RATE.\nThe ANNUAL PERCENTAGE RATE for purchases could\nchange monthly. An increase in the Prime Rate may increase\nboth the number of minimum monthly payments required to\nrepay the account balance and the amount of each minimum\nmonthly payment. The Prime Rate as of March 20, 2017 was\n4.00%, which results in an ANNUAL PERCENTAGE RATE of\n9.75% for purchase transactions and a monthly periodic rate\nof FINANCE CHARGE of 0.8125%. To find out the current\nprime rate, visit www.bankrate.com/rates/interest-rates/\nwall-street-prime-rate.aspx.\nFinance Charges On Purchases. We will calculate the\nFinance Charge on your Account for purchase transactions,\nif you did not pay the total New Balance listed on the last\nbilling statement in full by the payment due date. When you\ndo not pay the New Balance in full, Finance Charges on\npurchases begin to accrue on the date the purchase is\nposted to your Account. If there is a FINANCE CHARGE due\nwhich is less than $1.00, you will be charged a minimum\nFINANCE CHARGE of $1.00.\nAnnual Percentage Rate for Cash Advances. \xc2\xadThe\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and may\nchange monthly based on changes in an Index. The Index is\nthe Prime Rate as published in The Wall Street Journal\n("Index"). If the Index becomes unavailable during the term\nof this account, the credit union may substitute a new Index\nafter notice to you. The interest rate will be adjusted on the\nfirst day of each billing cycle, based on the most recent Index\nfigure available as the fifth business day of the last month\nimmediately preceding the new billing cycle. If the 5th day\nfalls on a Saturday, Sunday or holiday, we use the Prime Rate\npublished on the next business day. To determine the\nANNUAL PERCENTAGE RATE for cash advance\ntransactions, we add a \xe2\x80\x9cMargin\xe2\x80\x9d of 5.75% to the Index. This\n\ngives us the new cash advance transaction APR. There is no\nlimit on the amount the APR may increase at any one time.\nThe ANNUAL PERCENTAGE RATE will not exceed the\nmaximum rate of 18%. The monthly periodic rate of\nFINANCE CHARGE is 1/12th of the ANNUAL PERCENTAGE\nRATE.\nThe ANNUAL PERCENTAGE RATE for cash advances may\nchange monthly. An increase in the Prime Rate may increase\nboth the number of minimum monthly payments required to\nrepay the Account balance and the amount of each minimum\nmonthly payment. The Prime Rate as of March 20,2017 was\n4.00%, which results in an ANNUAL PERCENTAGE RATE\nOF 9.75% for cash advance transactions and a monthly\nperiodic rate of FINANCE CHARGE OF 0.8125%. To find out\nthe current prime rate, visit www.bankrate.com/rates/\ninterest-rates/wall-street-prime-rate.aspx.\nFinance Charges on Cash Advances. We will charge a\nFinance Charge on cash advances from the day you take\nthem until the day we receive payment in full as follows: To\nfigure the Finance Charge for a billing cycle, we will apply a\nmonthly periodic rate of Finance Charge to the average daily\nbalance of your cash advance transactions, including current\ntransactions, for the billing cycle. If there is a FINANCE\nCHARGE due which is less than $1.00, you will be charged\na minimum FINANCE CHARGE of $1.00. For each cash\nadvance you obtain, you agree to pay a FINANCE CHARGE\nin the form of a cash advance transaction fee equal to 1% of\nthe cash advance, not less than $2.00, but not more than\n$20.00.\nEffect of Change in the Annual Percentage Rate. The\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and may\nchange monthly based on changes in an Index. The Index is\nthe Prime Rate, as published in The Wall Street Journal\n("Index"). If the Index becomes unavailable during the term\nof this account, the credit union may substitute a new Index\nafter notice to you. The interest rate will be adjusted on the\nfirst day of each billing cycle, based on the most recent Index\nfigure available as of the fifth business day of the last month\nimmediately preceding the new billing cycle. Any increase in\nAPR may increase your minimum payment.\nPayment Default. The Penalty Rate applies to new and\noutstanding account balances if you fail to make the\nrequired minimum payment to Nusenda Federal Credit\nUnion within 60 days after the payment is due. The increase\nwill terminate once the cardholder has made six consecutive\nminimum payments on time, starting with the first payment\nafter the date on which it is imposed. If the six consecutive\non time minimum payments are not made, we have the\noption of keeping the Penalty ANNUAL PERCENTAGE RATE\non your account indefinitely, subject to applicable laws and\nregulations.\nAnnual Percentage Rate for the Default Rate. The\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is currently nonvariable and is tied to the National Credit Union\nAdministration\'s established maximum rate of interest. As of\nMarch 20,2017 the rate is 18.00%. The monthly periodic\nrate of FINANCE CHARGE is 1/12th of the ANNUAL\nPERCENTAGE RATE which results in a monthly periodic rate\nof a FINANCE CHARGE of 1.50% . If the six consecutive on\ntime minimum payments are not made, we have the option\nof keeping the Penalty APR on your account indefinitely.\n\n\x0c\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2\nVISA\nAuto\nRental Collision Damage Waiver Program (Cont.)\n\nOTHER FEES:\nA. \x07Late Fee - if you fail to make your minimum payment on\ntime, a late payment fee will be assessed. You agree to\npay a Late Payment Fee of up to $25.00. You agree that\nwe may change this Late Payment Fee.\n*If we receive more than one of your last six payments\nafter the due date listed on your monthly statement, you\nmay be assessed a Late Payment Fee of up to $35.00.\nB. \x07Returned Payment Fee - If you make payments using\npersonal checks, and your financial institution refuses to\npay the check and returns it to us, you agree to pay a\nReturn Payment Fee of up to $25.00.\nC. \x07\nStop Payment Fee - We will assess a $25.00 Stop\nPayment Fee when the payment of a Convenience Check\nis stopped at your request. You may stop payment on a\nConvenience Check by notifying us in writing at P.O. Box\n8530, Albuquerque, New Mexico 87198. Once a charge\nis made through the use of the Card or Account Number\nwe cannot "stop payment" on the charge. If there is a\ndispute involving a charge on your Account, please refer\nto the section entitled "Your Billing Rights" in the Visa\nCredit Card Agreement and Disclosure.\nD. \x07Cash Advance Fee - We will assess a FINANCE CHARGE\nin the form of a cash advance transaction fee equal to 1%\nof the cash advance, not less than $2.00, but not more\nthan $20.00.\nE. \x07Copy Charges - A $2.00 per page fee will be assessed for\neach additional copy you request of a monthly billing\nstatement. A $4.00 charge will be assessed for each\ncharge slip copy you request.\nF. Annual Fee - None.\nForeign Currency Exchange Rate. Purchases and cash\nadvances made in foreign countries will be billed to you in\nU.S. dollars. Visa charges a 0.8% fee on all international\ntransaction where a currency conversion is not performed.\nWhen a currency conversion occurs, Visa charges a 1.0%\nfee.\nThe conversion rate to U.S. dollars will be made in accordance\nwith the operating regulations for international transactions\nestablished by Visa International Inc. Unless the converted\namount is determined to be in error, the converted amount\nwill be due as well as any conversion charges that may be\nimposed.\n\nFederally insured by NCUA \xe2\x80\xa2 Equal Opportunity Lender\n\nADM1 3/17\n\n\x0c'


b'Nusenda Federal Credit Union\n\nVISA\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE\nTerms. In this Agreement, the following definitions will apply\nthroughout. The words, \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean the\nperson(s) who applied for the Account, the person(s) to\nwhom we issue the Card(s) or Convenience Checks, the\nperson who uses the Account, co-borrower/co-signer, and\nany joint applicant or guarantor all of whom are bound by all\nthe terms and conditions of the Agreement. The word \xe2\x80\x9cCard\xe2\x80\x9d\nmeans one or more Cards that we have issued with your\nAccount number. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean\nNusenda Federal Credit Union, Albuquerque, New Mexico,\nits successors and assigns. The words \xe2\x80\x9cConvenience\nChecks\xe2\x80\x9d mean one or more checks that we may provide to\naccess your Credit Card Account. This Agreement is binding\non each Cardholder, borrower, or co-borrower obtaining\ncredit with the Card, jointly and severally.\nAgreement and Promise to Pay. This is your current\nagreement governing the use of your Nusenda Federal Credit\nUnion Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) Account (\xe2\x80\x9cAccount\xe2\x80\x9d). The first\ntime that you or someone you authorize uses, accepts\nor signs the Card(s), it will mean that you have accepted\nand agreed to this Agreement and you promise to pay us\nthe total amount of any purchases, advances and\nConvenience Check advances together with any Finance\nCharges, fees, other charges and collection costs. If this is a\nJoint Account, each of you separately and all of you jointly\nwill be liable for all amounts owing on the Account and will\nbe responsible for complying with this Agreement, even if the\nAccount is only used by one of you. Further, if this is a Joint\nAccount, each of you agrees that we may mail statements\nand notices regarding the Account to the single address\nshown on our records as the address for statements and\nnotices regarding the Account (\xe2\x80\x9cthe Account Address\xe2\x80\x9d).\nUse of Account. Your line of credit amount and Card terms\nwill be disclosed to you when you receive your Card. The full\namount of your credit line is available to buy or lease goods\nor services wherever the Card is honored. In most cases, you\nwill be asked to present your Card and sign a sales slip or to\ngive your Personal Identification Number. Your cash advance\nlimit is available for cash advances, cash advances at any\nautomated teller machine that accepts the Card or by using\nConvenience Checks. The total amount charged on your\nAccount, including purchases, cash advances, Finance\nCharges, fees or other charges must always remain below\nyour credit limit.\nInternet gambling may be illegal in the jurisdiction in which\nyou are located, including the United States. Your card may\nonly be used for legal transactions. Display of a payment\ncard logo by an online merchant does not mean that Internet\ngambling transactions are lawful in all jurisdictions in which\nyou may be located.\nAdditional Cards. You may request additional Cards on\nyour Account for yourself or others and you may permit\nanother person to have access to the Card or Account\nNumber, provided that person signs a Credit Card application\nor an authorized user form. However, if you do, you are liable\nfor all charges made by those persons. You must notify us to\nrevoke permission for any person you previously authorized\nto use your Account. If you tell us to revoke another person\xe2\x80\x99s\nuse of your Account, we may close the Account and issue a\nnew Card or Cards with a different Account Number. You are\nresponsible for the use of each Card issued on your Account\naccording to the terms of this Agreement. Notwithstanding\nthe foregoing, due to federal laws and regulations, if you are\nunder 21 years of age and you revoke the permission of your\nco-borrower, we may request that you obtain another\nco-borrower who is 21 years of age or older or terminate your\naccount, in our sole discretion.\nBalance Transfers and Promotions. We may from time\nto time offer special rates on balance transfers and balances\ncreated through other promotional programs. If you transfer\na balance from another creditor\xe2\x80\x99s Account through a balance\n\ntransfer promotion, the transferred balance will be subject to\nthe terms of the applicable balance transfer offer. Balance\ntransfers may be treated as cash advance transactions. With\neach balance transfer and other promotional programs, the\nterms, including the ANNUAL PERCENTAGE RATE and the\ncorresponding monthly periodic rate used in determining\nyour FINANCE CHARGE and the effective dates, will be\ndetailed in the offer.\nConvenience Checks. Convenience Checks may be used\nto purchase goods and services or to obtain cash up to the\namount of your available credit limit. We will treat\nConvenience Checks as a cash advance. We will charge a\nFinance Charge on Convenience Check advances from the\ndate the Convenience Check is posted to your Account, until\nthe day we receive payment in full. Each Convenience Check\nmust be in the form we have issued and must be used\naccording to the instructions we give you. Only the person\nwhose name is printed on them may use Convenience\nChecks. Convenience Checks may not be used to pay any\namount owed to us under this or any other Nusenda\nFederal Credit Union Card Agreement. We will not certify any\nConvenience Checks, nor will we return paid\nConvenience Checks.\nStatements. Each month in which your Account has a\nbalance you will receive a statement showing the balance\ndue. Your statement will show the minimum amount you\nmust pay and the date by which we must receive your\npayment. The due date will be at least 21 days after the\nstatement is mailed. The statement also shows your current\ncredit limit and an itemized list of current charges, cash\nadvances, including cash advances made by Convenience\nChecks, payments and credits, an itemized summary of the\npurchase balance, the cash advance balance, Finance\nCharges on each, and other important information.\nFINANC E CHARGES :\nPlease see enclosed Addendum for information on\nFinance Charges.\nPayment Default. The Penalty Rate applies to new and\noutstanding account balances if you fail to make the\nrequired minimum payment to Nusenda Federal Credit\nUnion within 60 days after the payment is due. The\nincrease will terminate once the cardholder has made six\nconsecutive minimum payments on time, starting with the\nfirst payment after the date on which it is imposed. If the\nsix consecutive on time minimum payments are not made,\nwe have the option of keeping the Penalty ANNUAL\nPERCENTAGE RATE on your account indefinitely, subject to\napplicable laws and regulations.\nSecurity Interest. (This only applies to Secured Card\nAccounts.) To secure payment of all amounts you owe on\nyour Account or otherwise to Nusenda Federal Credit\nUnion, you assign, pledge and grant us a security\ninterest in your interest in the Security Account, including the\ninitial funds with which you established your Security\nAccount and any additional funds thereto as well as all\ninterest accrued thereon, pursuant to the Security Account\nAssignment Agreement you executed.\nMinimum Monthly Payment. You agree to pay a minimum\nmonthly payment equal to: (1) the greater of $10.00 or 2%\nof the new balance (rounded to whole dollars), plus the past\ndue amount of any prior minimum monthly payments; plus\n(2) the full amount by which the Account balance exceeds\nyour credit line. If the total amount owed is less than $10.00,\nthe minimum monthly payment will equal the entire new\nbalance shown on the monthly statement. You may pay any\namount in excess of your minimum monthly payment and\nyou may pay your Account in full. Should you fail to make\nyour minimum payment, by the payment due date, you agree\nto pay a Late Payment Fee. You agree that we may change\nthis Late Payment Fee.\n\n\x0cVISA\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)\nAdditional Payment Terms. All payments must be made\nin U.S. dollars and delivered to us at any one of our branch\noffices or to the address shown on the monthly statement. If\nwe receive your payment before 5:00 p.m. (Mountain\nStandard Time) on a business day, at the address shown on\nthe front of your monthly statement or at any of our branch\noffices, we will credit your payment as of the date of receipt.\nAll other payments will be credited to your Account on the\nnext business day following receipt. We may accept late or\npartial payments as well as payments marked \xe2\x80\x9cPAID IN\nFULL\xe2\x80\x9d or other restrictive endorsements, without losing any\nof our rights under this Agreement and without such\npayments constituting full accord and satisfaction of the\ndebt. If you make payments using personal checks, and your\nfinancial institution refuses to pay the check and returns it\nto us, you agree to pay a Return Payment Fee. If your loan\nAccount balance is less than the minimum payment amount\nyou must pay the entire balance. You may repay all or part of\nwhat you owe at any time. However, so long as you owe any\namount you must continue to make your periodic minimum\npayment. Your minimum monthly payment will be allocated\nto your account in accordance with all applicable laws and\nregulations.\nPersonal Identification Number. We will issue you a\nPersonal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) to be used with your\nCard. You agree not to write this PIN on your Card, and not to\ncarry your PIN with you at the same time as you carry your\nCard. We will treat any charge made by you using your Card\nand PIN as having been authorized by you. If you keep your\nPIN with the Card, we can refuse to reissue your Card.\nChange of Terms. We can change the terms of this\nAgreement, including all fees, other charges and Annual\nPercentage Rate, at any time, subject to applicable laws and\nregulations.\nEvents of Default. You are in default if you fail to pay the\nminimum payment listed on each billing statement on time,\nfile for bankruptcy, exceed your credit limit without our\npermission, or default on this or any other Nusenda\nFederal Credit Union Card Agreement you have with us. If\nyou are in default, we may close your Account and require a\nshorter amortization of your account balance, subject to\napplicable laws and regulations. No notice is required.\nWe may also declare the whole balance due if you die, if\nyou make false or misleading statements on your\napplication, or if other creditors attach or garnish your\nproperty. If you have given us a security interest in a share\nAccount, share draft Account, or certificate of deposit, we\nmay use the deposit amount to pay any amount you owe\nus.\nCollection Costs. If we have to refer collection of your\nAccount to a lawyer (who is not our salaried employee), to\nthe extent permitted by law, you will have to pay our\nattorney\xe2\x80\x99s fee plus court costs and any other fees.\nInformation Reporting. We may report your performance\nunder this Agreement to credit reporting agencies, including\nyour failure to make minimum payments on time. A negative\ncredit report may significantly harm your ability to obtain\ncredit from other sources. We may also obtain follow-up\ncredit reports on you (for example, when we review your\nAccount for a credit line increase). We may exchange\ninformation about you or your Account with our affiliates,\nand, to the extent permitted by law, with other third parties.\nHowever, if you prefer that we not share such information\nwith our affiliate companies, just call us at (505) 889-7755\n\n2\n\nor outside the Albuquerque area, 1-800-347-2838. You may\nalso write to us at Nusenda Federal Credit Union, P.O.\nBox 8530, Albuquerque, New Mexico 87198.\nClosing Your Account. You may close your Account at any\ntime by notifying us in writing. However, you remain\nresponsible to pay the balance according to the terms of this\nAgreement. We may close your Account or suspend your\nAccount privileges at any time without prior notice. We may\nalso reissue a different Card, Account Number, or different\nchecks at any time. You must return the Card or the checks\nto us upon request.\nLost or Stolen Cards. If any Card, Account Number, PIN or\nConvenience Check is lost or stolen, or if you think someone\nused or may use them without your permission, notify us at\nonce by calling the telephone number shown on the billing\nstatement or by calling 1-800-325-3678. We may require\nyou to provide certain information in writing to help us find\nout what happened. Do not use the Card or Convenience\nChecks after we\xe2\x80\x99ve been notified, even if they are found or\nreturned. You will not be liable for any unauthorized\npurchases or cash advances made after we\xe2\x80\x99ve been notified\nof the loss or the theft; however, you must identify for us the\ncharges on the billing statement that were not made by you\nor someone authorized by you, and from which you received\nno benefit.\nCredit Authorizations. We are not responsible if we do not\napprove a purchase or cash advance on your Account, or if a\nthird party refuses to accept or honor the Card, even if you\nhave sufficient credit available. We may limit the number of\npurchases or cash advances which may be approved in one\nday. If we detect unusual or suspicious activity on your\nAccount, we may temporarily suspend your credit privileges\nuntil we can verify the activity. We may approve purchases or\ncash advances that cause the balance to exceed your credit\nline without waiving any of our rights under the Agreement.\nWaiver. Our failure to exercise, or our delay in exercising any\nof our rights under this Agreement for any reason does not\nmean that we will be unable to exercise these rights later.\nAssignment. You may not sell or transfer your Account or\nany rights or obligations hereunder without our prior written\nconsent. We may sell, assign or transfer your Account and\nany amounts owed by you to another creditor at any time\nwithout prior notice unless otherwise required by law. If we\ndo, this Agreement shall remain in effect.\nApplicable Law. Federal law and the law of the state where\nthe Credit Union is located shall govern the terms and\nenforcement of this Agreement. Invalidity of any part of\nthis Agreement does not affect the remaining parts.\nQuestions. If you have any questions about your statement,\nplease contact us. You should write to Nusenda Federal\nCredit Union, P.O. Box 8530, Albuquerque, New Mexico\n87198, or call us at the telephone number that will appear\non your monthly statement. In case you believe there is a\nmistake on your statement, read the following information\nregarding your right to dispute billing errors.\nYour monthly statement shall be presumed to be correct\nunless you notify us in writing within 15 days from the date\nof mailing in business transactions, or within 60 days from\nthe date of mailing in case of consumer transactions.\n\xe2\x80\x9cConsumer Transaction\xe2\x80\x9d means purchases or advances for\npersonal, family or household purposes.\n\n\x0cVISA\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\n\n3\n\nAfter we finish our investigation, one of two things\nwill happen:\n\nThis notice contains important information about your\nrights and our responsibilities under the Fair Credit\nBilling Act.\n\n\xe2\x80\xa2 If We Made a Mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n\nWhat To Do If You Find a Mistake on Your Statement. If\nyou think there is an error on your statement, write us at:\n\n\xe2\x80\xa2 If We Do Not Believe there was a Mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\n\nCustomer Service\nP.O. Box 30495\nTampa, FL 33630\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account\nNumber.\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the\nsuspected error.\n\xe2\x80\xa2 Description of Problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on\nyour statement.\n\xe2\x80\xa2 At least 3 business days before an automated\npayment is scheduled, if you want to stop payment\non the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may\ncall us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in\nquestion.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1.\n\nWithin 30 days of receiving your letter, we must notify\nyou that we received your letter. We will also notify\nyou if we have corrected the error.\n\n2.\n\nWithin 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct.\n\nWhile we investigate whether or not there has been\nan error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\n\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases. If you are dissatisfied with the goods or\nservices that you have purchased with you credit card, and\nyou have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home\nstate or within 100 miles of your current address, and\nthe purchase price must have been for more than\n$50.00. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to\nyou, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account\ndo not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are\nstill dissatisfied with the purchase, contact us in\nwriting at:\nCustomer Service\nP.O. Box 30495\nTampa, FL 33630\n\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe\nan amount and you do not pay, we may report you as\ndelinquent.\n\n\x0cFederally insured by NCUA \xe2\x80\xa2 Equal Opportunity Lender\n\nVADl 3/17\n\n\x0cNusenda Federal Credit Union\n\nVISA\xc2\xae CREDIT CARD\nAGREEMENT AND DISCLOSURE\nADDENDUM: Prime + 9.75%\n\nFINANCE CHARGES:\nBalance Computation Method. We figure the interest\ncharge on your account by applying the periodic rate to the\n"average daily balance" of your account. To get the "average\ndaily balance" we take the beginning balance of your\naccount each day, add any new purchases, advances and\nfees, and subtract any unpaid interest or other finance\ncharges and any payments or credits. This gives us the daily\nbalance. Then, we add up all the daily balances for the\nbilling cycle and divide the total by the number of days in the\nbilling cycle. This gives us the "average daily balance."\nAnnual Percentage Rate for Purchase Transactions.\nThe ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and\nmay change monthly based on changes in an index. The\nindex is the Prime Rate, as published in The Wall Street\nJournal ("Index"). If the Index becomes unavailable during\nthe term of this account, the credit union may substitute a\nnew Index after notice to you. The interest rate will be\nadjusted on the first day of each billing cycle, based on the\nmost recent Index figure available as of the fifth business\nday of the last month immediately preceding the new billing\ncycle. If the fifth day falls on a Saturday, Sunday or holiday,\nthe Prime Rate published on the next business day will be\nused. To determine the ANNUAL PERCENTAGE RATE for\npurchase transactions, we add a \xe2\x80\x9cMargin\xe2\x80\x9d of 9.75% to the\nIndex. This gives us the new purchase transaction APR. The\nANNUAL PERCENTAGE RATE will not exceed the maximum\nrate of 18.0%. The monthly periodic rate of FINANCE\nCHARGES is 1/12th of the ANNUAL PERCENTAGE RATE.\nThe ANNUAL PERCENTAGE RATE for purchases could\nchange monthly. An increase in the Prime Rate may increase\nboth the number of minimum monthly payments required to\nrepay the account balance and the amount of each minimum\nmonthly payment. The Prime Rate as of March 20, 2017 was\n4.00%, which results in an ANNUAL PERCENTAGE RATE of\n13.75% for purchase transactions and a monthly periodic\nrate of FINANCE CHARGE of 1.1458%. To find out the\ncurrent prime rate, visit www.bankrate.com/rates/interestrates/wall-street-prime-rate.aspx.\nFinance Charges On Purchases. We will calculate the\nFinance Charge on your Account for purchase transactions,\nif you did not pay the total New Balance listed on the last\nbilling statement in full by the payment due date. When you\ndo not pay the New Balance in full, Finance Charges on\npurchases begin to accrue on the date the purchase is\nposted to your Account. If there is a FINANCE CHARGE due\nwhich is less than $1.00, you will be charged a minimum\nFINANCE CHARGE of $1.00.\nAnnual Percentage Rate for Cash Advances. \xc2\xadThe\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and may\nchange monthly based on changes in an Index. The Index is\nthe Prime Rate as published in The Wall Street Journal\n("Index"). If the Index becomes unavailable during the term\nof this account, the credit union may substitute a new Index\nafter notice to you. The interest rate will be adjusted on the\nfirst day of each billing cycle, based on the most recent Index\nfigure available as the fifth business day of the last month\nimmediately preceding the new billing cycle. If the 5th day\nfalls on a Saturday, Sunday or holiday, we use the Prime Rate\npublished on the next business day. To determine the\nANNUAL PERCENTAGE RATE for cash advance\ntransactions, we add a \xe2\x80\x9cMargin\xe2\x80\x9d of 9.75% to the Index. This\n\ngives us the new cash advance transaction APR. There is no\nlimit on the amount the APR may increase at any one time.\nThe ANNUAL PERCENTAGE RATE will not exceed the\nmaximum rate of 18%. The monthly periodic rate of\nFINANCE CHARGE is 1/12th of the ANNUAL PERCENTAGE\nRATE.\nThe ANNUAL PERCENTAGE RATE for cash advances may\nchange monthly. An increase in the Prime Rate may increase\nboth the number of minimum monthly payments required to\nrepay the Account balance and the amount of each minimum\nmonthly payment. The Prime Rate as of March 20, 2017 was\n4.00%, which results in an ANNUAL PERCENTAGE RATE\nOF 13.75% for cash advance transactions and a monthly\nperiodic rate of FINANCE CHARGE OF 1.1458%. To find out\nthe current prime rate, visit www.bankrate.com/rates/\ninterest-rates/wall-street-prime-rate.aspx.\nFinance Charges on Cash Advances. We will charge a\nFinance Charge on cash advances from the day you take\nthem until the day we receive payment in full as follows: To\nfigure the Finance Charge for a billing cycle, we will apply a\nmonthly periodic rate of Finance Charge to the average daily\nbalance of your cash advance transactions, including current\ntransactions, for the billing cycle. If there is a FINANCE\nCHARGE due which is less than $1.00, you will be charged\na minimum FINANCE CHARGE of $1.00. For each cash\nadvance you obtain, you agree to pay a FINANCE CHARGE\nin the form of a cash advance transaction fee equal to 1% of\nthe cash advance, not less than $2.00, but not more than\n$20.00.\nEffect of Change in the Annual Percentage Rate. The\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is variable and may\nchange monthly based on changes in an Index. The Index is\nthe Prime Rate, as published in The Wall Street Journal\n("Index"). If the Index becomes unavailable during the term\nof this account, the credit union may substitute a new Index\nafter notice to you. The interest rate will be adjusted on the\nfirst day of each billing cycle, based on the most recent Index\nfigure available as of the fifth business day of the last month\nimmediately preceding the new billing cycle. Any increase in\nAPR may increase your minimum payment.\nPayment Default. The Penalty Rate applies to new and\noutstanding account balances if you fail to make the\nrequired minimum payment to Nusenda Federal Credit\nUnion within 60 days after the payment is due. The increase\nwill terminate once the cardholder has made six consecutive\nminimum payments on time, starting with the first payment\nafter the date on which it is imposed. If the six consecutive\non time minimum payments are not made, we have the\noption of keeping the Penalty ANNUAL PERCENTAGE RATE\non your account indefinitely, subject to applicable laws and\nregulations.\nAnnual Percentage Rate for the Default Rate. The\nANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) is currently nonvariable and is tied to the National Credit Union\nAdministration\'s established maximum rate of interest. As of\nMarch 20, 2017 the rate is 18.00%. The monthly periodic\nrate of FINANCE CHARGE is 1/12th of the ANNUAL\nPERCENTAGE RATE which results in a monthly periodic rate\nof a FINANCE CHARGE of 1.50% . If the six consecutive on\ntime minimum payments are not made, we have the option\nof keeping the Penalty APR on your account indefinitely.\n\n\x0c\xc2\xae CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) \t\t\t\t2\nVISA\nAuto\nRental Collision Damage Waiver Program (Cont.)\n\nOTHER FEES:\nA. \x07Late Fee - if you fail to make your minimum payment on\ntime, a late payment fee will be assessed. You agree to\npay a Late Payment Fee of up to $25.00. You agree that\nwe may change this Late Payment Fee.\n*If we receive more than one of your last six payments\nafter the due date listed on your monthly statement, you\nmay be assessed a Late Payment Fee of up to $35.00.\nB. \x07Returned Payment Fee - If you make payments using\npersonal checks, and your financial institution refuses to\npay the check and returns it to us, you agree to pay a\nReturn Payment Fee of up to $25.00.\nC. \x07\nStop Payment Fee - We will assess a $25.00 Stop\nPayment Fee when the payment of a Convenience Check\nis stopped at your request. You may stop payment on a\nConvenience Check by notifying us in writing at P.O. Box\n8530, Albuquerque, New Mexico 87198. Once a charge\nis made through the use of the Card or Account Number\nwe cannot "stop payment" on the charge. If there is a\ndispute involving a charge on your Account, please refer\nto the section entitled "Your Billing Rights" in the Visa\nCredit Card Agreement and Disclosure.\nD. \x07Cash Advance Fee - We will assess a FINANCE CHARGE\nin the form of a cash advance transaction fee equal to 1%\nof the cash advance, not less than $2.00, but not more\nthan $20.00.\nE. \x07Copy Charges - A $2.00 per page fee will be assessed for\neach additional copy you request of a monthly billing\nstatement. A $4.00 charge will be assessed for each\ncharge slip copy you request.\nF. Annual Fee - None.\nForeign Currency Exchange Rate. Purchases and cash\nadvances made in foreign countries will be billed to you in\nU.S. dollars. Visa charges a 0.8% fee on all international\ntransaction where a currency conversion is not performed.\nWhen a currency conversion occurs, Visa charges a 1.0%\nfee.\nThe conversion rate to U.S. dollars will be made in accordance\nwith the operating regulations for international transactions\nestablished by Visa International Inc. Unless the converted\namount is determined to be in error, the converted amount\nwill be due as well as any conversion charges that may be\nimposed.\n\nFederally insured by NCUA \xe2\x80\xa2 Equal Opportunity Lender\n\nADM3 3/17\n\n\x0c'