Common use of For Visa Cards Clause in Contracts

For Visa Cards. You may not use your Temporary Card for foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable Visa rules, in which case we will add the "foreign fee" described below to those transactions. We do not control how these merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) 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 (b) the government-mandated rate in effect for the applicable central processing date. If you use your Card at an ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will determine whether to send your transaction over the Visa or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). We may assess a foreign fee, calculated as a percentage of your transaction amount. The percentage, if any, is listed on the Fee Schedule. We may assess the foreign fee on all foreign transactions, even in transactions that do not require currency to be converted. For Mastercard Cards. You may not use your Temporary Card for foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the Cirrus or the Mastercard International Incorporated (“Mastercard”) Acceptance Marks. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. If you use your card at a foreign merchant or foreign ATM that bears these Acceptance Marks and if such transaction isn’t converted into a U.S. Dollar amount prior to such transaction being submitted to Mastercard, Mastercard will convert the transaction into a U.S. Dollar amount using its currency conversion procedure. The currency conversion rate used by Mastercard to determine the transaction amount in U.S. Dollars is generally either a government mandated rate or a wholesale rate determined by Mastercard for the processing cycle in which the transaction is processed. We may assess a foreign fee, calculated as a percentage of your transaction amount. The percentage, if any, is listed on the Fee Schedule. We may assess the foreign fee on all foreign transactions, even in transactions that do not require currency to be converted.

For Visa Cards. You may not use your Temporary Personalized Card for retail purchases at foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. Some merchant and ATM transactions, even if you and/or and/ or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable Visa rules, in which case we will add assess the "“foreign fee" ” described below to on those transactions. We do not control how these merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your AccountPersonalized Card. If you use your Personalized Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) 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 (b) the government-government mandated rate in effect for the applicable central processing date. If you use your Personalized Card at an ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. If you use your Personalized Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will determine whether to send your transaction over the Visa or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). We may will assess a “foreign fee, calculated as a percentage ” of your transaction 1% times the resulting dollar amount. The percentage, if any, is listed on the Fee Schedule. We may assess the “foreign fee fee” on all foreign transactions, even in transactions that do not require currency to be converted. For Mastercard MasterCard Cards. You may not use your Temporary Personalized Card for retail purchases at foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the Cirrus or the Mastercard MasterCard International Incorporated (“MastercardMasterCard”) Acceptance Marks. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. If you use your card at a foreign merchant or foreign ATM that bears these Acceptance Marks and if such transaction isn’t converted into a U.S. Dollar amount prior to such transaction being submitted to MastercardMasterCard, Mastercard MasterCard will convert the transaction into a U.S. Dollar amount using its currency conversion procedure. The currency conversion rate used by Mastercard MasterCard to determine the transaction amount in U.S. Dollars is generally either a government mandated rate or a wholesale rate determined by Mastercard MasterCard for the processing cycle in which the transaction is processed. We may will assess a “foreign fee, calculated as a percentage ” of your transaction 1% times the resulting dollar amount. The percentage, if any, is listed on the Fee Schedule. We may assess the “foreign fee fee” on all foreign transactions, even in transactions that do not require currency to be converted.

For Visa Cards. You may not use your Temporary Personalized Card for retail purchases at foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. Some merchant and ATM transactions, even if you and/or and/ or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable Visa rules, in which case we will add assess the "“foreign fee" ” described below to on those transactions. We do not control how these merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your AccountPersonalized Card. If you use your Personalized Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central cen-tral processing date, which rate may vary from the rate Visa itself receives, or (b) the government-government mandated rate in effect for the applicable central processing date. If you use your Personalized Card at an ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. If you use your Personalized Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will determine whether to send your transaction over the Visa or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). We may will assess a “foreign fee, calculated as a percentage ” of your transaction 1% times the resulting dollar amount. The percentage, if any, is listed on the Fee Schedule. We may assess the “foreign fee fee” on all foreign transactions, even in transactions that do not require currency to be converted. For Mastercard MasterCard Cards. You may not use your Temporary Personalized Card for retail purchases at foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the Cirrus or the Mastercard MasterCard International Incorporated (“MastercardMasterCard”) Acceptance Marks. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. If you use your card at a foreign merchant or foreign ATM that bears these Acceptance Marks and if such transaction isn’t converted into a U.S. Dollar amount prior to such transaction being submitted to MastercardMasterCard, Mastercard MasterCard will convert the transaction into a U.S. Dollar amount using its currency conversion procedure. The currency conversion rate used by Mastercard MasterCard to determine the transaction amount in U.S. Dollars is generally either a government mandated rate or a wholesale rate determined by Mastercard MasterCard for the processing cycle in which the transaction is processed. We may will assess a “foreign fee, calculated as a percentage ” of your transaction 1% times the resulting dollar amount. The percentage, if any, is listed on the Fee Schedule. We may assess the “foreign fee fee” on all foreign transactions, even in transactions that do not require currency to be converted.

For Visa Cards. You may not use your Temporary Personalized Card for retail purchases at foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. Some merchant and ATM transactions, even if you and/or and/ or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable Visa rules, in which case we will add assess the "“foreign fee" ” described below to on those transactions. We do not control how these merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your AccountPersonalized Card. If you use your Personalized Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central cen-tral processing date, which rate may vary from the rate Visa itself receives, or (b) the government-government mandated rate in effect for the applicable central processing date. If you use your Personalized Card at an ATM that bears only the PLUS System logo (and no Visa logo), the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. If you use your Personalized Card at an ATM that bears both the Visa and PLUS System logos, the ATM operator will determine whether to send your transaction over the Visa or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). We may will assess a “foreign fee, calculated as a percentage ” of your transaction 1% times the resulting dollar amount. The percentage, if any, is listed on the Fee Schedule. We may assess the “foreign fee fee” on all foreign transactions, even in transactions that do not require currency to be converted. For Mastercard Cards. You may not use your Temporary Personalized Card for retail purchases at foreign (outside the United States) transactions. You may use your Personalized Reloadable Card for retail purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the Cirrus or the Mastercard International Incorporated (“Mastercard”) Acceptance Marks. For security purposes we may block transactions in certain foreign countries. Call us at 000-000-0000 for more information. If you use your card at a foreign merchant or foreign ATM that bears these Acceptance Marks and if such transaction isn’t converted into a U.S. Dollar amount prior to such transaction being submitted to Mastercard, Mastercard will convert the transaction into a U.S. Dollar amount using its currency conversion procedure. The currency conversion rate used by Mastercard to determine the transaction amount in U.S. Dollars is generally either a government mandated rate or a wholesale rate determined by Mastercard for the processing cycle in which the transaction is processed. We may will assess a “foreign fee, calculated as a percentage ” of your transaction 1% times the resulting dollar amount. The percentage, if any, is listed on the Fee Schedule. We may assess the “foreign fee fee” on all foreign transactions, even in transactions that do not require currency to be converted.