Common use of Annual Percentage Rate for Cash Advances Clause in Contracts

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 9.75% 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 February 5, 2015 was 3.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.0833%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ 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 February 1, 2015 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)

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 9.755.75% 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 February 5August 7, 2015 2023 was 3.258.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0014.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.188%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1August 7, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5November 7, 2015 2022 was 3.257.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0012.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.77%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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- non-variable and is tied to the National Credit Union Administration's established maximum rate of interest. As of February 1November 7, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5March 28, 2015 2022 was 3.253.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.009.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.77%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 28, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5August 7, 2015 2023 was 3.258.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0016.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.354%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1August 7, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5June 27, 2015 2022 was 3.254.75%, which results in an ANNUAL PERCENTAGE RATE OF 13.0012.50% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.94%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1June 27, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5November 7, 2015 2022 was 3.257.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0014.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.94%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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- non-variable and is tied to the National Credit Union Administration's established maximum rate of interest. As of February 1November 7, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5August 8, 2015 2022 was 3.255.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0013.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.94%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1August 8, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5May 15, 2015 2023 was 3.258.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0014.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.167%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1May 15, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5June 27, 2015 2022 was 3.254.75%, which results in an ANNUAL PERCENTAGE RATE OF 13.0014.50% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.104%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1June 27, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5May 15, 2015 2023 was 3.258.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0018.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.50%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1May 15, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5December 27, 2015 2022 was 3.257.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0015.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.94%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/ 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- non-variable and is tied to the National Credit Union Administration's established maximum rate of interest. As of February 1December 27, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5October 3, 2015 2022 was 3.256.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0014.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.94%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1October 3, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5March 30, 2015 2020 was 3.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0011.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.917%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 30, 2015 2020 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5March 30, 2015 2020 was 3.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.009.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.75%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 30, 2015 2020 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5April 3, 2015 2023 was 3.258.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0013.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.146%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1April 3, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5August 8, 2015 2022 was 3.255.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0011.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.77%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1August 8, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5April 3, 2015 2023 was 3.258.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0017.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.479%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1April 3, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5March 28, 2015 2022 was 3.253.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0013.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.104%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 28, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5December 15, 2015 2017 was 3.254.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0014.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.1875%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/ 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 February 1December 15, 2015 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5March 30, 2015 2020 was 3.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.083%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 30, 2015 2020 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5May 15, 2015 2023 was 3.258.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0016.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.333%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1May 15, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5October 3, 2015 2022 was 3.256.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0012.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.77%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1October 3, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5August 7, 2015 2023 was 3.258.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0018.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.50%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1August 7, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5April 3, 2015 2023 was 3.258.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0015.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.313%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1April 3, 2015 2023 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.757.75% 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 February 5May 16, 2015 2022 was 3.254.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0011.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.94%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 28, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5October 3, 2015 2022 was 3.256.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.0016.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.104%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1October 3, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5, 2015 was 3.25%, which results in an ANNUAL PERCENTAGE RATE OF 13.009.00% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.750%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ 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 February 1, 2015 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. Auto Rental Collision Damage Waiver Program (Cont.) VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5August 8, 2015 2022 was 3.255.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0015.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.104%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1August 8, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February 5May 16, 2015 2022 was 3.254.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0013.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.104%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1March 28, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.75% 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 February January 5, 2015 2017 was 3.253.75%, which results in an ANNUAL PERCENTAGE RATE OF 13.0013.50% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.125%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/xxx.xxxxxxxx.xxx/xxxxx/ 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 February 1, 2015 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)

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 9.75% 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 February 5November 7, 2015 2022 was 3.257.00%, which results in an ANNUAL PERCENTAGE RATE OF 13.0016.75% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08331.104%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/xxxx-xxxxxx- 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 February 1November 7, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2

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 9.755.75% 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 February 5December 27, 2015 2022 was 3.257.50%, which results in an ANNUAL PERCENTAGE RATE OF 13.0013.25% for cash advance transactions and a monthly periodic rate of FINANCE CHARGE OF 1.08330.77%. To find out the current prime rate, visit xxx.xxxxxxxx.xxx/ rates/interest-rates/wall-street-prime-rate.aspxxxx.xxxxxxxx.xxx/xxxxx/xxxxxxxx-xxxxx/ 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- non-variable and is tied to the National Credit Union Administration's established maximum rate of interest. As of February 1December 27, 2015 2022 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. VISA® CREDIT CARD AGREEMENT AND DISCLOSURE (Cont.) 2 Auto Rental Collision Damage Waiver Program (Cont.)2