Let 
 be a prime such that 
and 
, where 
 is the largest ramification index of any
prime of 
 lying over 
. Suppose that 
Under those conditions, Agashe and Stein (see [AS02, Thm. 3.1]) construct a homomorphism
 whose kernel has 
In this paper, we refine [AS02, Prop. 1.3] by taking into account the algebraic 
structure coming from the endomorphism ring 
. 
In particular, when we apply the theory to modular abelian varieties, we would like to use the 
additional structure coming from the Hecke algebra. There are numerous example (see [AS05]) 
where [AS02, Prop. 1.3] does not apply, but nevertheless, we can use our refinement 
to prove existence of visible elements of 
 at higher level (e.g., 
see Propositions 6.1.3 and 6.2.1 below).