Common use of Fees Other than Interest Clause in Contracts

Fees Other than Interest. The Disclosure Statement lists the fees that we will charge you in relation to your Visa Card other than interest. If we plan to charge you any other fees, we will let you know in a statement or a separate letter at least 30 days before the charge or other fee applies. If your Visa Card is cancelled or suspended, you will not be entitled to a refund of any fees that you have already paid. The chart below includes additional information about some of the fees in the Disclosure Statement. Fee Description Cash Advance We will charge this fee every time you complete a Cash Advance at a financial institution, through an ATM anywhere in the world that has the Visa symbol, or by way of a cash transfer from the Visa Account to another Vancity account. Payment Not Accepted You will have to pay this fee if you write a cheque (from an account other than your Visa Account) to pay your Visa Card xxxx but it bounces because you don’t have enough money in your Visa Account to cover it, or if you try to pay your Visa Card xxxx by any other method that is turned down when we try to process it. You may also be charged an NSF fee by your financial institution for the bounced cheque that you wrote. Statement Copy You will have to pay this fee if you ask us to send you a copy of one of your old statements. There is no charge if you want another copy of your current statement or for electronic statements you are able to access online. You can see your Visa Account Transaction details for free on your Visa Account accessible online at xxxxxxx.xxx, where you can also choose to receive electronic statements instead of paper statements. You can also access your Visa Account Transaction details by calling us 24 hours a day, 7 days a week at Card Services at 000-000-0000 (Metro Vancouver) or 0-000-000-0000 (toll-free) Sales Receipt Copy You will have to pay this fee every time you request a copy of a sales receipt from any of your Purchases.

Fees Other than Interest. The This chartThe Disclosure Statement lists the fees that we will charge you in relation to your the Visa Card other than interest. If we plan to charge you any other fees, we will let you the Business know in a statement or a separate letter at least 30 days before the charge or other fee applies. If your the Visa Card is cancelled or suspended, you the Business will not be entitled to a refund of any fees that you have already been paid. The chart below includes additional information about some of the fees in the Disclosure Statement. Visa Card Annual Fee Vancity enviro Visa Infinite Business card $120 Additional card (issued to an authorized user) First card $0 Fee Description Annual Fee • The annual fee is charged on the first statement after opening the Visa Account (whether or not the Visa Card is activated), and then in that same month every year. • Unless we have agreed otherwise, the annual fees that we charge are as follows: • If the Business changes the type of Visa Card it has and the annual fee changes as a result, the new annual fee will be charged on the first statement after the change, and then in that same month every year. • If the Business is entitled to a refund of an annual fee (or a portion) as a result of changing the type of Visa The fees described below are charged on the date the transaction or event occurs (unless we say otherwise). Cash Advance Fee • $2 • We will charge this fee every time you complete the Business (or an Authorized User) completes a Cash Advance at a financial institution, institution or through an ATM anywhere in the world that has the Visa symbol, Visa Cheque Not Accepted Fee • $22 • The Business will have to pay this fee each time the Business (or by way of an Authorized User) tries to use a cash transfer from Visa Cheque for an amount that would put the Visa Account to another Vancity accountover the Credit Limit. Payment Not Accepted You Fee • $22 • The Business will have to pay this fee if you write it writes a cheque (from an account other than your the Visa Account) to pay your the Visa Card xxxx but it bounces because you dothe Business doesn’t have enough money in your Visa Account its account to cover it, or if you try the Business tries to pay your the Visa Card xxxx by any other method that is turned down when we try to process it. You may also be charged an NSF fee by your financial institution for the bounced cheque that you wrote. Statement Copy You Fee • $2 • The Business will have to pay this fee if you ask us to send you a it requests that we provide copy of one of your an old statementsstatement. • There is no charge if you want the Business wants another copy of your the current statement or for electronic statements you are able to access that can be accessed online. You • The Business can see your the Visa Account Transaction details for free on your the Visa Account accessible online at xxxxxxx.xxx, where you the Business can also choose to receive electronic statements instead of paper statements. You statements.• The Business can also access your the Visa Account Transaction details by calling us 24 hours a day, 7 days a week at Card Services at 000-000-0000 Value of Transaction $100 in U.S. dollars Visa Exchange Rate 1.306524131 (Metro Vancouverexample only – this changes every day) This means that $1 U.S. = $1.31 Cdn, or 0-000-000-0000 (toll-free) $1 Cdn = 77 cents U.S. Administration Fee: 2% of 1.306524131 0.026130483 Total Conversion Rate 1.306524131 + 0.026130483 1.332654614 This is the conversion rate we will use to convert your Transaction. Canadian Dollar Total $100 x 1.332654614 $133.27 This is the amount in Canadian dollars that will show on your statement for your U.S. dollar Transaction. Sales Receipt Copy You Fee • $5 • The Business will have to pay this fee every time you request the Business requests a copy of a sales receipt from any of its Purchases. Return of Positive Credit Balance Fee • $10 • If you ever over-pay your Purchases.Visa Account, we call this a “positive credit balance”. You will have to pay this fee if we return to you any over-payment you’ve made on your Visa Account. • You can only request that we return your positive credit balance if it is more than $10. Over Credit Limit Fee • $10 • The Business will be charged this fee if the Credit Limit is exceeded at any time during a statement period. We will charge this fee one time in a statement period, even if the Credit Limit is exceeded more than one time in that statement period. • If the reason the Credit Limit is exceeded is that a Merchant has placed a temporary authorization on the Visa Account, the Business will not be charged this fee. For example, if the Visa Card was used to buy gas, sometimes the gas station will place a temporary authorization on the Visa Account for an amount that is higher than the actual purchase. If that temporary authorization is what puts the Business over its Credit Limit, we will not charge the Business this fee. Foreign Currency Conversion transactions Exchange rate • We will xxxx the Business in Canadian dollars if the Visa Card is used to make Transactions in a foreign currency. We will convert Transactions in U.S. dollars directly to Canadian dollars at the exchange rate established by Visa in effect at the time we process the Transaction. For other foreign currencies, the Transaction is first converted to U.S. dollars and then to Canadian dollars at the exchange rates in effect at the time we process the Transaction. 2% Administration fee • When the Transaction is processed, we will add a 2% administration fee in addition to the Visa exchange rate(s). The conversion rate shown on the statement includes the Visa exchange rate and the administration fee we charge. • In most cases we do not process a Transaction on the same day it is completed. In that case, the exchange rate on the day that the Transaction is completed might be different than the exchange rate on the day that we process the Transaction. Here’s an example of how we would convert a Transaction made on a Visa Card in U.S. dollars:

Fees Other than Interest. The Disclosure Statement lists the fees that we will charge you in relation to your Visa Card other than interest. If we plan to charge you any other fees, we will let you know in a statement or a separate letter at least 30 days before the charge or other fee applies. If your Visa Card is cancelled or suspended, you will not be entitled to a refund of any fees that you have already paid. The chart below includes additional information about some of the fees in the Disclosure Statement. Fee Description Cash Advance We will charge this fee every time you complete a Cash Advance at a financial institution, through an ATM anywhere in the world that has the Visa symbol, or by way of a cash transfer from the Visa Account to another Vancity account. Payment Not Accepted You will have to pay this fee if you write a cheque (from an account other than your Visa Account) to pay your Visa Card xxxx bill but it bounces because you don’t have enough money in your Visa Account to cover it, or if you try to pay your Visa Card xxxx bill by any other method that is turned down when we try to process it. You may also be charged an NSF fee by your financial institution for the bounced cheque that you wrote. Statement Copy You will have to pay this fee if you ask us to send you a copy of one of your old statements. There is no charge if you want another copy of your current statement or for electronic statements you are able to access online. You can see your Visa Account Transaction details for free on your Visa Account accessible online at xxxxxxx.xxx, where you can also choose to receive electronic statements instead of paper statements. You can also access your Visa Account Transaction details by calling us 24 hours a day, 7 days a week at Card Services at 000-000-0000 (Metro Vancouver) or 0-000-000-0000 (toll-free) Sales Receipt Copy You will have to pay this fee every time you request a copy of a sales receipt from any of your Purchases.