Common use of Currency Conversion and International Transactions Clause in Contracts

Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. Online Banking Computer Transfers - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxx.xxx and using user ID and password, to: • transfer funds from checking to checking - you may transfer no more than your available balance • transfer funds from checking to savings - you may transfer no more than your available balance • transfer funds from savings to checking - you may transfer no more than your available balance • transfer funds from savings to savings - you may transfer no more than your available balance • transfer funds from line of credit to checking • transfer funds from line of credit to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties (Online Payment) • make payments from savings to loan account(s) with us • make payments from savings to third parties (Online Payment) • get information about: - the account balance of checking account(s) - the account balance of savings account(s) - account history • view online check images EXPEDITED PAYMENT SERVICE (Online Payment) Description of Service: Expedited Payment Services are made available via MIDFLORIDA Bill Pay. The available services shall include: • make electronic payments from a checking account • make paper check (“direct check” disbursement process) payments from a checking account We shall make available via the MIDFLORIDA Bill Pay any of the Expedited Payment services so requested by you, and where the capability exists to provide a payment that is faster than would otherwise be available based on standard bill payment capabilities as configured by us. All Expedited Payment Service payments will be initiated in an expedited manner. You will receive an explicit delivery expectation for every payment. For electronic transactions, delivery time may be same-day, next-day or later depending upon the time of day, the payee capabilities, and other factors. For Expedited Payment Service overnight checks, payments initiated prior to the daily cutoff time will be delivered by the next business day.

Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is outside an international transaction even though made while you are physically in the USAUnited States. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. Online Banking Computer Transfers - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxx.xxx and using user ID and password, to: • transfer funds from checking to checking - you may transfer no more than your available balance • transfer funds from checking to savings - you may transfer no more than your available balance • transfer funds from savings to checking - you may transfer no more than your available balance • transfer funds from savings to savings - you may transfer no more than your available balance • transfer funds from line of credit to checking • transfer funds from line of credit to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties (Online Payment) • make payments from savings to loan account(s) with us • make payments from savings to third parties (Online Payment) • get information about: - the account balance of checking account(s) - the account balance of savings account(s) - account history • view online check images EXPEDITED PAYMENT SERVICE (Online Payment) Description of Service: Expedited Payment Services are made available via MIDFLORIDA Bill Pay. The available services shall include: • make electronic payments from a checking account • make paper check (“direct check” disbursement process) payments from a checking account We shall make available via the MIDFLORIDA Bill Pay any of the Expedited Payment services so requested by you, and where the capability exists to provide a payment that is faster than would otherwise be available based on standard bill payment capabilities as configured by us. All Expedited Payment Service payments will be initiated in an expedited manner. You will receive an explicit delivery expectation for every payment. For electronic transactions, delivery time may be same-day, next-day or later depending upon the time of day, the payee capabilities, and other factors. For Expedited Payment Service overnight checks, payments initiated prior to the daily cutoff time will be delivered by the next business day.