Nusenda Federal Credit Union  
VISA� CREDIT CARD 
AGREEMENT AND DISCL OSURE  
Terms. In this Agreement, the following definitions will apply 
throughout. The words,  �you,� �your,� and �yours� mean  the 
person(s) who  applied  for the Account, the pe rson(s) t o 
whom  we issue  the Card(s)  or Convenience Checks, the 
person who  uses  the Account, co-borrower/co-signer,  and 
any joint applicant or guarant or all of whom are bound by all 
the terms and conditions of the Agreement. The word �Card� 
means one  or more Cards that we  have issued with  your 
Account  number.  The words �we,� �us,�  and �our�  mean 
Nusenda  Federal Credit Union, Albuquerque,  New Mexico, 
its successors  and assigns.  The words �Convenience 
Checks�  mean one or more checks  that we may provide to 
access your Credit Card Account.  This Agreement  is binding 
on each Ca rdholder,  borr ower, or co-borr ower obtaining 
credit with the Card, jointly and severally.  
Agreement and Promise to Pay.   This is your current 
agreement governing the use of your Nusenda Federal Credit  
Union  Credit Card (�Card�) Account  (�Account�).  The first 
time  that  you or someone y ou authorize  uses,  accepts 
or signs  the Card(s), it will mean that  you have accept ed 
and agreed  to this Agreement  and y ou promise  to pay us 
the total  amount  of any  purchases,  advances and 
Convenience Check  advances t ogether  with  any  Finance 
Charges,  fees, other charges  and collection  costs. If this is a 
Joint Account,  each of you separately  and all of you jointly 
will be liable f or all amounts  owing on the Account  and will 
be responsible f or complying with this Agreement, eve n if the 
Account  is only used by one of you. Further,  if this is a Joint 
Account,  each of you agrees that we may mail statements 
and notices regarding the Account to  the single  address 
shown on our recor ds  as the address f or statements and 
notices regarding the Account (�the  Account Address�).  
Use of Account. Your line of credit amount and Card terms 
will be disclosed to you when you receive your Card. The full 
amount of your credit line is available to buy or lease goods 
or services wherev er the Card is honored. In most cases, you 
will be asked to present your Card and sign a sales slip or to 
give your Personal Identification Number. Your cash advance 
limit is available  for cash advances,  cash advances  at any 
automat ed teller  machine  that accepts the Card or by using 
Convenience Checks. The  total  amount  charged  on your 
Account,  including  pur chases,  cash  advances,  Finance 
Charges,  fees or other charges must alwa ys remain below 
your credit limit.  
Internet gambling  may be illegal in the jurisdiction  in which 
you are located,  including  the United States.  Your card ma y 
only be used f or legal transactions.  Display of  a payment 
card logo by an online merchant does not mean that Interne t 
gambling transactions are lawful  in all jurisdictions in which 
you may be located.  
Additional Cards.  You may  request additional Cards on 
your Account f or your self or others  and  you may  permit 
another  person to have access  to the Ca rd or Account 
Number, p rovided that person signs a Credit Card application 
or an authorized user form. Ho wever, if you do, y ou are liable 
for all charges made by those persons. Y ou must notify us to 
revoke  permission  for any person you previously  authorized 
to use your Account. If you tell us to revoke another person�s 
use of your Account,  we may close the Account  and issue a 
new Card or Cards with a different  Account  Number.  You are 
responsible for the use of each Card issued on your Account 
according  to the terms of this Agreement.  Notwithstanding 
the foregoing,  due to federal  laws and regulations,  if you are 
under 21 years of age and y ou revoke the permission of your 
co-borrower, we  ma y  request  that  you  obtain  another 
co-borrower who is 21 years of age or older or terminate your 
account, in our sole  discretion.  
Balance  Transfers  and Promotions.  We may fr om time 
to time off er special rates on balance transfers and balances 
creat ed through  other  promotional  programs.  If you transfer 
a balance fr om another credit or�s Account through a balance  transf er promotion, the transferred balance will be subject to 
the terms of the applicable balance transf er offer. Balance 
transfers may be treated as cash advance transactions. With 
each balance transf er and other pr omotional programs, the 
terms, including the ANNU AL PERCENTA GE RATE and the 
corresponding monthly periodic rate used in determining 
your FINANCE CHAR GE and the effective dates, will be 
detailed in the offer.  
Convenience Checks. Convenience Checks may be used 
to purchase goods and services or to obtain cash up to the 
amount of y our availabl e credit limit. We will treat 
Convenience Checks as a cash advance. We will charge a 
Finance Charge on Convenience Check advances from the 
date the Convenience Check is post ed to your Account, until 
the da y we receive payment in full. Each Convenience Check 
must be in the form we have issued and must be used 
according to the instructions we give you. Only the person 
whose name is print ed on them may use Convenience 
Checks. Convenience Checks may not be used to pay an y 
amount owed to us under this or any other Nusenda 
Federal Credit Union Card Agreement. We will not certify any 
Convenience Checks, nor will we return paid 
Convenience Checks.  
Statements.  Each month in which your Account has a 
balance y ou will receive a statement showing the balance 
due. Your statement will show the minimum amount you 
must pay and the date by which we must receive your 
payment. The due date will be at least 21 da ys after the 
statement is mailed. The statement also shows your current 
credit limit and an itemized list of current charges, cash 
advances, including cash advances made by Convenience 
Checks, payments and credits, an itemized summary of the 
purchase balance, the  cash advance balance, Finance 
Charges on each, and other im portant information.  
FINANCE  CHARGES:   
Please see enclosed Addendum for information on 
Finance Charges.  
Payment  Default.  The Penalty Rate applies to new and  
outstanding account balances i f  you  fail  to  make the  
required minimum payment t o  Nusenda Federal Credit 
Union within 60 da ys after the payment is due.  The 
increase will terminate once the cardholder has made six 
consecutive minimum payments on time, starting with the 
first payment aft er the date on which it is imposed. If the 
six consecutive on time minimum payments are not made, 
we have the option of keeping the Penalty ANNU AL 
PERCENTA GE RATE on your account indefinit ely, subject to 
applicable la ws and regulations.  
Security Interest. (This only applies to Secured Car d 
Accounts.) To secure payment of all amounts y ou owe on 
your Account or otherwise to Nusenda Federal Credit 
Union, y ou assign, pledge and grant us a security 
interest in your interest in the Security Account, including the 
initial funds with which you established y our Securit y 
Account and any additional funds thereto as well as all 
interest accrued thereon, pursuant to the Security Account 
Assignment Agreement you executed.  
Minimum Monthly Payment. You agree to pay a minimum 
monthly payment equal t o: (1) the great er of $10.00 or 2% 
of the new balance (rounded to whole dollars), plus the past 
due amount of any prior minimum monthly payments; plus 
(2) the full amount by which the Account balance exceeds
your credit line. If the total amount owed is less than $10.00,
the minimum monthly payment will equal the entire ne w
balance shown on the monthly statement. You may pay an y
amount in excess of your minimum monthly payment and
you may pay your Account in full. Should y ou fail to make 
your minimum payment, by the payment due dat e, you agree
to pay a Late Payment Fee. You agree that we may change
this Late Payment Fee.
 VISA� CREDIT  CARD  AGREEMENT  AND  DISC LOSURE  (Cont.) 2 
Additional Payment Terms. All payments must be made 
in U.S. dollars and delivered to us at any one of our branch 
offices or to the address shown on the monthly statement. If 
we receive y our paymen t before 5:00 p.m. (Mountain 
Standard Time) on a business day, at the address shown on 
the front of your monthly statement or at any of our branch 
offices, we will credit your payment as of the date of receipt. 
All other payments will be credit ed to your Account on the 
next business day following receipt. We may accept late or 
partial payments as well as payments marked �PAID IN 
FULL � or other restrictive endorsements, without losing an y 
of our rights under this Agreement and without such 
payments constituting full accord and satisfaction of the 
debt. If you make payments using personal checks, and your 
financial institution refuses to pay the check and returns it 
to us, y ou agree to pay a Return Payment Fee. If your loan 
Account balance is less than the minimum payment amount 
you must pay the entire balance. Y ou may repay all or part of 
what y ou owe at any time. H owever, so long as you owe any 
amount you must continue to make your periodic minimum 
payment. Your minimum monthly payment will be allocated 
to your account in accordance with all applicable laws and 
regulations.  
Personal Identification Number .  We will issue y ou a 
Personal Identification Number (�PIN�)  to be used with your 
Card. You agree not to write this PIN on your Card, and not to 
carry your PIN with y ou at the same time as y ou carry your 
Card. We will treat any charge made by you using your Card 
and PIN as having been  authorized by you. If you keep your 
PIN with the Card, we can refuse to reissue your Card. 
Change of Terms.   We can change the terms of this 
Agreement, including all fees, other charges and Annual 
Percentage Rate, at any time, subject to applicable la ws and 
regulations.  
Events of Default. You are in default if you fail to pay the 
minimum payment listed on each billing statement on time, 
file for bankruptcy, exceed your credit limit without our 
permission, or default on this or any other Nusenda 
Federal Credit Union Card Agreement you have with us. If 
you are in default, we may close your Account and require a 
short er amortization of your account balance, subject to 
applicable la ws and regulations. No notice is required. 
We may also declare the whole balance due if you die, if 
you make false or misleading statements on your 
application, or if other creditors attach or garnish your 
property. If you have given us a security interest in a share 
Account, share draft Account, or certificate of deposit, w e 
may use the deposit amount to pay any amount y ou owe 
us. 
Collection Costs.  If we have to refer collection of your 
Account to a lawy er (who is not our salaried em ployee), to 
the extent permitt ed by law, y ou will have t o pay our 
attorne y�s fee plus court costs and any other fees.  
Information Reporting. We may report your performance 
under this Agreement to credit reporting agencies, including 
your failure to make minimum payments on time. A negativ e 
credit report may significantly harm your ability to obtain 
credit fr om other sources. We may also obtain follow-up 
credit repor ts on you (for example, when we re view your 
Account for a credit line increase). W e may exchange 
information about y ou or your Account with our aff iliates, 
and, to the extent permitt ed by law, with other third parties. 
However, if you pref er that we not share such information 
with our affiliate companies, just call us at (505) 889-7 755 or outside the Albu querque area, 1-800-347-2838. You may 
also write to us at Nusenda Federal Credit Union, P.O. 
Box 8530, Albuq uerque, New Mexico 87198. 
Closing Your Account. You may close your Account at any 
time by notifying us in writing. However, y ou remain 
responsible to pay the balance according to the terms of this 
Agreement. We may close your Account or suspend your 
Account privileges at any time without prior notice. We ma y 
also reissue a different Card, Account Number, or different 
checks at any time. Y ou must return the Card or the checks 
to us upon request.  
Lost or Stolen Cards. If any Card, Account Number, PIN or 
Convenience Check is lost or stolen, or if you think someone 
used or may use them without your permission, notify us at 
once by calling the telephone number shown on the billing 
statement or by calling 1-800-325-3678. We may require 
you to provide certain information in writing to help us find 
out what happened. Do not use the Card or Convenience 
Checks after we�ve been notified, even if they are found or 
returned . You will not be liable for any unauth orized 
purchases or cash advances made aft er we�ve been notified 
of the loss or the theft; however, you must identify for us the 
charges on the billing statement that were not made by you 
or someone authorized by you, and from which you received 
no benefit.  
Credit Authorizations. We are not responsible if we do not 
approve a purchase or cash advance on your Account, or if a 
third party refuses to accept or honor the Card, even if you 
have sufficient credit available. We may limit the number of 
purchases or cash advances which may be approved in one 
day. If we detect unusual or suspicious activity on your 
Account, we may temporarily suspend your credit privileges 
until we can verify the activity. We may app rove purchases or 
cash advances that cause the balance to exceed your credit 
line without waiving any of our rights under the Agreement.  
Waiver. Our failure to exercise, or our delay in exercising any 
of our rights under this Agreement for any reason does no t 
mean that we will be unable to exercise these rights later.  
Assignment. You may not sell or transf er your Account or 
any rights or obligations hereunder without our prior written 
consent. We may sell, assign or transf er your Account and 
any amounts owed by y ou to another credit or at any time 
without prior notice unless otherwise required by law. If we 
do, this Agreement shall remain in effect.  
Applicable Law. Federal law and the law of the state where 
the Credit U nion is locat ed shall govern the terms and 
enforcement of this Agreement.  Invalidity of any part of 
this Agreement does not affect the remaining parts. 
Questions. If you have any questions about your statement, 
please contact us. Y ou should write to Nusenda Federal 
Credit Union, P.O. Box 8530,  Albuq uerque, Ne w Mexico 
87198, or call us at the telephone number that will appear 
on your monthly statement. In case y ou believe there is a 
mistake on your statement, read the following information 
regarding your right to dispute billing errors. 
Your monthly statement shall be presumed to be correct 
unless you notify us in writing within 15 da ys from the date 
of mailing in business transactions, or within 60 da ys from 
the date of mailing in case of consumer transactions. 
�Consumer  Transaction�  means purchases or advances for 
personal, family or household purposes.   VISA� CREDIT  CARD  AGREEMENT  AND  DISC LOSURE  (Cont.) 3 
YOUR BILLING RIGHTS  
KEEP THIS NOTICE F OR FUTURE USE  
This notice contains im portant information about your 
rights and our responsibilities under the Fair Credit 
Billing Act. 
What To Do If You Find a Mistake on Your Statement. If 
you think there is an error on your statement, write us at: 
Customer Service  
P.O. Box 30495 
Tampa, FL 33630 
In your letter, give us the following information: 
� Account Information : Your nam e and Account
 Number.  
� Dollar Amount: The dollar amount of the 
suspect ed error. 
� Description of Problem: If you think there is an 
error on your bill, describe what you believe is 
wrong and why y ou believe it is a mistak e. 
You must contact us: 
� Within 60 da ys after the error appeared  on 
your statement.  
� At least 3 business da ys before an automat ed
payment is scheduled, if you want to st op payment  
on the amount you think is wrong.  
You must notify us of any potential errors in writing. You may 
call us, but if you do we are not required to investigate any 
potential errors and y ou may have to pay the amount in 
question.  
What Will Happen After We Receive Your Letter . 
When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must notify
you that we receiv ed your letter. We will also notify 
you if we have correct ed the error. 
2. Within 90 days of receiving your letter, we must
either correct the error or explain to you why we
believe the bill is correct.  
While we investigate whether or not there has been 
an error:  
� We cannot try to collect the amount in question, or
report you   as   delinquen t  on   that   amount.  
� The charg e in questio n may remai n on y our 
statement, and we may continue to charge you
interest on that amount.  
� While y ou do not have to pay the amount in question, 
you are responsible for the remainder o f your 
balance.
� We can apply any unpaid amount against your credit
limit.  After we finish our investigation, one of two things 
will happen:  
�If We Made a Mistake:  You will not have to pay the
amount in question or any interest or other f ees related
to that amount.  
�If We Do Not Believe there w as a Mistake: You will have
to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the
amount y ou owe and the date payment is due. We ma y 
then report y ou as delinquent if you do not pay the 
amount we think y ou owe. 
If you receive our explanation but still believe your bill is 
wrong, y ou must write to us within 10 days telling us that you 
still refuse to pay .  If you do so, we cannot report y ou as 
delinquent without also reporting that y ou are questioning 
your bill. We must tell y ou the name of anyone to whom we 
reported you as delinquent , and we must let those 
organizations know when the matt er has  been settled 
between us. 
If we do not follow all of the rules above, you do not have t o 
pay the first $50 of the amount y ou question ev en if your bill 
is correct.  
Your Rights If You Are Dissatisfied With Your Credit 
Card Purchases. If you are dissatisfied with the goods or 
services that y ou have purchased with y ou credit card, and 
you have tried in good  faith t o correct the problem  with the 
merchant, you may have the right not to pay the remaining 
amount due on the purchase.  
To use this right, all of the following must be true:  
1. The purchase must have been  made in your home
state or within 100 miles of your current address, and
the purchase price must have been f or more than  
$50.00. (Note: Neither of these are necessary if your
purchase w as based on an advertisement we mailed to
you, or if we o wn the company that sold y ou the goods
or services.)  
2. You must have used your credit card for the purchase.
Purchases made with cash advances fr om an ATM or
with a check that accesses your credit card account
do not qualify.
3. You must not yet have fully paid f or the purchase.  
If all of the criteria above are met and yo u are 
still dissatisfied with the purchase, contact us in 
writing at:  
Customer Service  
P.O. Box 30495 
Tampa, FL 33630 
While we investigat e, the same rules apply to the disputed 
amount as discussed above. After we finish our investigation, 
we will tell y ou our decision. At that point, if we think y ou owe 
an amount and y ou do not pay, we may report y ou as 
delinquent.   Federally insured by NCUA  � Equal Opportunity Lender  VADl  3/17  FINANCE CHARGES:
Balance Computation Method.  We figure the interest 
charge on your account by applying the periodic rate to the 
"average daily balance" of your account.  To get the "average 
daily balance" we take the beginning balance of your 
account each day, add any new purchases, advances and 
fees, and subtract any unpaid interest or other finance 
charges and any payments or credits.  This gives us the daily 
balance. Then, we add up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing 
cycle.  This gives us the "average daily balance."
Annual Percentage Rate for Purchase Transactions.  
The ANNUAL PERCENTAGE RATE (�APR�) is variable and 
may change monthly based on changes in an index. The 
index is the Prime Rate, as published in The Wall Street 
Journal ("Index"). If the Index becomes unavailable during 
the term of this account, the credit union may substitute a 
new Index after notice to you. The interest rate will be 
adjusted on the first day of each billing cycle, based on the 
most recent Index figure available as of the fifth business 
day of the last month immediately preceding the new billing 
cycle. If the fifth day falls on a Saturday, Sunday or holiday,  
the Prime Rate published on the next business day will be 
used. To determine the ANNUAL PERCENTAGE RATE  for 
purchase transactions, we add a �Margin� of 7.75%  to the 
Index. This gives us the new purchase transaction APR. The 
ANNUAL PERCENTAGE RATE  will not exceed the maximum 
rate of 18.0%.  The monthly periodic rate of FINANCE 
CHARGES  is 1/12th of the ANNUAL PERCENTAGE RATE . 
The ANNUAL PERCENTAGE RATE  for purchases could 
change monthly. An increase in the Prime Rate may increase 
both the number of minimum monthly payments required to 
repay the account balance and the amount of each minimum 
monthly payment.  The Prime Rate as of March 20, 2017was 
4.00%, which results in an ANNUAL PERCENTAGE RATE of 
11.75%  for purchase transactions and a monthly periodic 
rate of  FINANCE CHARGE of 0.9791% . To find out the 
current prime rate, visit www.bankrate.com/rates/interest-
rates/wall-street-prime-rate.aspx.   
Finance Charges On Purchases.  We will calculate the 
Finance Charge on your Account for purchase transactions, 
if you did not pay the total New Balance listed on the last 
billing statement in full by the payment due date. When you 
do not pay the New Balance in full, Finance Charges on 
purchases begin to accrue on the date the purchase is 
posted to your Account. If there is a FINANCE CHARGE  due 
which is less than $1.00 , you will be charged a minimum 
FINANCE CHARGE of $1.00.
Annual Percentage Rate for Cash Advances.  The 
ANNUAL PERCENTAGE RATE (�APR�) is variable and may 
change  monthly based on changes in an Index. The Index is 
the Prime Rate as published in The Wall Street Journal 
("Index").  If the Index becomes unavailable during the term 
of this account, the credit union may substitute a new Index 
after notice to you.  The interest rate will be adjusted on the 
first day of each billing cycle, based on the most recent Index 
figure available as the fifth business day of the last month 
immediately preceding the new billing cycle. If the 5th day 
falls on a Saturday, Sunday or holiday, we use the Prime Rate 
published on the next business day. To determine the 
ANNUAL PERCENTAGE RATE  for cash advance 
transactions, we add a �Margin� of 7.75%  to the Index. This gives us the new cash advance transaction APR. There is no 
limit on the amount the APR may increase at any one time. 
The ANNUAL PERCENTAGE RATE  will not exceed the 
maximum rate of 18% . The monthly periodic rate of 
FINANCE CHARGE  is 1/12th of the ANNUAL PERCENTAGE 
RATE .
The ANNUAL PERCENTAGE RATE  for cash advances may 
change monthly. An increase in the Prime Rate may increase 
both the number of minimum monthly payments required to 
repay the Account balance and the amount of each minimum 
monthly payment. The Prime Rate as of March 20, 2017 was 
4.00%, which results in an ANNUAL PERCENTAGE RATE 
OF 11.75% for cash advance transactions and a monthly 
periodic rate of FINANCE CHARGE OF 0.9791%. To find out 
the current prime rate, visit www.bankrate.com/rates/
interest-rates/wall-street-prime-rate.aspx.
Finance Charges on Cash Advances.  We will charge a 
Finance Charge on cash advances from the day you take 
them until the day we receive payment in full as follows: To 
figure the Finance Charge for a billing cycle, we will apply a 
monthly periodic rate of Finance Charge to the average daily 
balance of your cash advance transactions, including current 
transactions, for the billing cycle. If there is a FINANCE 
CHARGE  due which is less than $1.00 , you will be charged 
a minimum FINANCE CHARGE of $1.00.  For each cash 
advance you obtain, you agree to pay a FINANCE CHARGE  
in the form of a cash advance transaction fee equal to 1% of 
the cash advance, not less than $2.00 , but not more than 
$20.00 .
Effect of Change in the Annual Percentage Rate.  The 
ANNUAL PERCENTAGE RATE (�APR�) is variable and may 
change monthly based on changes in an Index. The Index is 
the Prime Rate, as published in The Wall Street Journal 
("Index").  If the Index becomes unavailable during the term 
of this account, the credit union may substitute a new Index 
after notice to you.  The interest rate will be adjusted on the 
first day of each billing cycle, based on the most recent Index 
figure available as of the fifth business day of the last month 
immediately preceding the new billing cycle. Any increase in 
APR may increase your minimum payment. 
Payment Default.   The Penalty Rate applies to new and 
outstanding account balances if you fail to make the 
required minimum payment to Nusenda Federal Credit 
Union within 60 days after the payment is due.  The increase 
will terminate once the cardholder has made six consecutive 
minimum payments on time, starting with the first payment 
after the date on which it is imposed.  If the six consecutive 
on time minimum payments are not made, we have the 
option of keeping the Penalty  ANNUAL PERCENTAGE RATE  
on your account indefinitely, subject to applicable laws and 
regulations. 
Annual Percentage Rate for the Default Rate. The 
ANNUAL PERCENTAGE RATE  (�APR�) is currently non-
variable and is tied to the National Credit Union 
Administration's established maximum rate of interest. As of 
March 20, 2017 the rate is 18.00%.  The monthly periodic 
rate of FINANCE CHARGE  is 1/12th  of the ANNUAL 
PERCENTAGE RATE which results in a monthly periodic rate 
of a FINANCE CHARGE of 1.50% . If the six consecutive on 
time minimum payments are not made, we have the option 
of keeping the Penalty APR on your account indefinitely. Nusenda Federal Credit Union
VISA� CREDIT CARD  
AGREEMENT AND DISCLOSURE
ADDENDUM: Prime + 7.75% Auto Rental Collision Damage Waiver Program (Cont.)VISA� CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.)     2 
OTHER FEES:  
A.  Late Fee - if you fail to make your minimum payment on 
time, a late payment fee will be assessed.  You agree to 
pay a Late Payment Fee of up to $25.00.  You agree that 
we may change this Late Payment Fee.  
 
*If we receive more than one of your last six payments 
after the due date listed on your monthly statement, you 
may be assessed a Late Payment Fee of up to $35.00.
B.  Returned Payment Fee - If you make payments using 
personal checks, and your financial institution refuses to 
pay the check and returns it to us, you agree to pay a 
Return Payment Fee of up to $25.00.
C.  Stop Payment Fee - We will assess a $25.00 Stop 
Payment Fee when the payment of a Convenience Check 
is stopped at your request.  You may stop payment on a 
Convenience Check by notifying us in writing at P.O. Box 
8530, Albuquerque, New Mexico 87198.  Once a charge 
is made through the use of the Card or Account Number 
we cannot "stop payment" on the charge.  If there is a 
dispute involving a charge on your Account, please refer 
to the section entitled "Your Billing Rights" in the Visa 
Credit Card Agreement and Disclosure.
D.  Cash Advance Fee - We will assess a FINANCE CHARGE 
in the form of a cash advance transaction fee equal to 1%  
of the cash advance, not less than $2.00, but not more 
than $20.00. 
E.  Copy Charges - A $2.00 per page fee will be assessed for 
each additional copy  you request of a monthly billing 
statement.  A $4.00 charge will be assessed for each 
charge slip copy you request.
F.  Annual Fee - None.  
Foreign Currency Exchange Rate.  Purchases and cash 
advances made in foreign countries will be billed to you in 
U.S. dollars.  Visa charges a 0.8% fee on all international 
transaction where a currency conversion is not performed.  
When a currency conversion occurs, Visa charges a 1.0% 
fee. 
The conversion rate to U.S. dollars will be made in accordance 
with the operating regulations for international transactions 
established by Visa International Inc.  Unless the converted 
amount is determined to be in error, the converted amount 
will be due as well as any conversion charges that may be 
imposed.  
Federally insured by NCUA � Equal Opportunity Lender                                                                                                                  ADM3  3/17