Visa Disclosure

1. Responsibility. The card holder agrees and is responsible to repay all debts and finance charges arising from the use of the card and the card account. You are responsible for charges made by themselves, spouse and minor children. You are also responsible for the charges made by anyone else to whom the card is given, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying the Credit Union, but the Credit Union will close the account from new transactions if the request is made and all cards are returned. Your obligation to pay the account balance continues even though an agreement, divorce decree or other court judgment to which the Credit Union is not a party may direct the card holder or one of the other persons responsible to pay the account. Any person using the card is jointly responsible for charges he or she makes, but should that person sign the card he or she becomes a party to this agreement and is also jointly responsible for all charges on the account.

2. Lost Card Notification. If you believe the Card has been lost or stolen, you are required to immediately call 800-808-7230 or 614-248-4239 to report the loss.

3. Liability for Unauthorized Use. Your liability to the Credit Union shall be zero $0.00 for any card transaction resulting from the loss, theft or other unauthorized use of the Card. Such liability may not apply when the Card is used to make an electronic fund transfer.

4. Credit Limit. Upon approval your application, the Credit Union will establish a self-replenishing Line of Credit, you will be notified of this amount when we issue the card. You will agree not to let the account balance exceed the approved Credit Line Limit. Payments made on the account will restore your Credit Line by the amount of the payment, which is applied to principal. You may request an increase in your Credit Line Limit only by written application to the Credit Union. Increased Credit Line Limits must be approved by a Loan Officer. By providing good cause written notice the Credit Union may reduce your Credit Line Limit, revoke your card and/or terminate this agreement. Good cause includes your failure to comply with this Agreement at any given time; however, termination by either the Credit Union or the Card Holder does not affect your obligation and responsibility to pay the account balance. The card or cards remain property of the Credit Union and you agree to recover and surrender all cards upon our request and upon termination of this Agreement.

5. Credit Information. This agreement authorizes the Credit Union to investigate your credit standing when operating, renewing or reviewing your account. Additionally, this agreement authorize the Credit Union to disclose information regard your account to credit bureaus and other creditors who inquire of us concerning your credit standing to the extent authorized by our Bylaws.

6. Monthly Payment. A Statement will be mailed monthly and shall depict the following account information: previous balances of purchases and cash advances; current transactions on your account; the remaining credit available under your Credit Line Limit; new balances of purchases and cash advances; the Total New Balance; finance charges due to date; other billed fees; and, the Minimum Payment required. Monthly and within 25 days of the statement closing date you are required pay at least the Minimum Payment. By separate agreement the Card Holder may authorize the Credit Union to charge the minimum payment automatically to your share savings or share draft checking account. You may pay more frequently, pay more than the Minimum Payment, or pay the Total New Balance in full, which will reduce the Finance Charge. The Minimum Payment will be either (a) 3% of you Total New Balance, or $20.00, whichever is greater, or (*b) you Total New Balance, if it is less than $20.00, plus (c) any portion of the Minimum Payment(s) shown on prior statement(s) which remains unpaid. Additionally, any time your Total New Balance exceeds your Credit Line Limit, you must immediately pay the excess upon our demand. Payments made to your account will be applied in the following order: Fees and Finance Charges; Previously Billed Purchases; Cash Advances; New Purchases. The Credit Union may accept checks marked “payment in full” or with words of similar effect without losing any of our rights to collect the full balance of your account. However, any payment equal to, or greater than, the Previous Balance of Purchases will be applied first to that Balance and any Finance Charges there in to avoid continuing accrual of Finance Charges on that amount. Purchases and cash advances will be paid off in the order they were posted to your account. If two or more purchases were posted on the same day, your payment will be applied to the smallest first.

7. Finance Charges. You can avoid FINANCE CHARGE on purchases by paying the full amount of the New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and subsequent purchases form date they are posted to your account will be subject to FINANCE CHARGE. Cash advances are always subject to FINANCE CHARGE from the date they are posted to your account. FINANCE CHARGE (interest on purchases) is calculated at the periodic rate of 1.32% per month (ANNUAL PERCENTAGE RATE of 13.75%), on the average daily principal balance. Finance Charges (interest on cash advances) is calculated at the periodic rate of 1.32% per month (ANNUAL PERCENTAGE RATE of 13.75%) on the average daily principal balance. The principal balances of purchases and cash advances are determined each day during the statement period, beginning with the principal portion of your Previous Balance, reduced by payments you make and credits we apply, and increased by purchases and cash advances you make and debit adjustments we make during the same period. The daily principal balances are totaled, and divided by the number of days in the statement period, to produce separate average daily principal balances for purchases and cash advances to which the periodic rate is then applied. A $25.00 overlimit fee will be added to your account if you exceed your credit limit on each statement date. A late payment fee of $25.00 will be applied if your minimum is 10 days late.

8. Default. You will be in default if you fail to make a Minimum Payment within 25 days after your monthly statement closing date. You will also be in default if your ability to repay the Credit Union is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by the Agreement or if the value of our security interest materially declines. If you default, the entire balance of this account shall become due and payable at the option of the Credit Union. In addition, the entire balance may be subject to an increase in the Annual Percentage Rate to 18% APR. This default rate will affect all special rates, promotional rates on purchases, cash advances, balance transfers and any other promotions should the account become in default. The Credit Union also reserves the right to terminate or suspend your charging privileges should a default occur. Furthermore, if at such time the default is cured, the Credit Union may, at the request of the card holder, consider reinstating the account back to the original terms in effect prior to the default. Each party hereto further agrees that if payment of this account shall not be made as herein provided, he shall pay the costs of collection, including attorney's fee in an amount equal to 33% of the principal and interest due, but in no event less than $10.00. The Credit Union can delay enforcing any of its rights under this Agreement without losing those rights.

9. Using the Card. To make a purchase or cash advance, there are two alternative procedures which should be followed. The first is to present the card to a participating VISA plan merchant, to the Credit Union or to another financial institution, and sign the sales or cash advance draft which will be imprinted with you card. The second alternative is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the VISA system. Your monthly statement will identity the merchant, electronic terminal or financial institution at which transactions were made; however, sales, cash advances, credit or other receipts cannot be returned with the statement. You will retain the copy of such receipts furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request. VISA cards may not be used for any illegal transactions.

10. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit receipt which will be posted to your account. If your credits and payments exceed what you owe the Credit Union, we will hold and apply this credit balance against future purchases and cash advances, or if it is $1.00 or more, refund it on you by written request or automatically after six months.

11. Foreign Transactions. All NMA VISA credit cards will be blocked for purchases outside the Continental United States beginning on January 1, 2007. If you are planning a visit or vacation for any location outside the Continental United States please contact the Credit Union so we may activate your card during the time of your visit or vacation.

If advance notification is given and purchases or cash advances are made in foreign countries and foreign currencies will be billed to you in U.S. Dollars, the conversion rate to dollars will be at (i) the wholesale market rate or (ii) the government-mandated rate, whichever is applicable, in effect one day prior to the processing date, increased by one percent.

12. Plan Merchant Dispute. The Credit Union is not responsible for the refusal of any plan merchant or financial institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising from goods or services you purchase with the card only if you have made a good faith attempt, but have been unable to obtain satisfaction from the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you, or (b) you purchase cost more than $50.00 and was made from a plan merchant in our state or within 100 miles of your home. All other disputes must be resolved directly between yourself and the plan merchant. 13. Security Interest. By activating this Visa card, the card holder pledges to us and grants us a security interest in all accounts you have with NMA Federal Credit Union other than those that would lose special tax treatments under state or federal law. This security agreement includes your credit card agreement and any Line of Credit advances obtained by using your ATM access card or audio response access device. You authorize the Credit Union to apply any or all funds on deposit with the Credit Union to pay amounts due under this agreement should you default.

14. Effect of Agreement. This agreement is a contract which applies to all transactions on your account even though the sales, cash advances, credit or other receipts you sign or receive may contain different terms. We may amend this Agreement from time to time by sending you an advance written notice which is required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permits, and as indicated in our notice, amendments will apply to your existing account balance as well as to future transactions.

15. Change of Terms. The Credit Union reserves the right to alter the terms of this agreement and will give notice of any change in terms as requited by applicable law.

16. Illegal use of card. VISA cards may not be used for any illegal transaction, including but not limited to internet gambling. Any illegal transaction could result in this account and other related services being terminated, at the Credit Union's discretion. The card holder further agrees to hold the Credit Union harmless from any suits or other legal action or liability resulting from such illegal use of this card. The Credit Union reserves the right to decline authorization any transaction that may possess an undue risk of illegal activity.

YOUR BILLING RIGHTS

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This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions About Your Bill

If you think your bill is wrong, or if you need more information about a transaction on your bill, write NMA Federal Credit Union on a separate sheet at the address listed on your bill. Write to NMA as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.

If you have authorized us to pay your credit card bill automatically from you savings or share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice

We must acknowledge you letter within 30 days, unless we have already corrected the error. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of you bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any question amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanations does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.

If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

Special Rule for Credit Card Purchases

If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on the right.

• (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and
• (b) The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.