Common use of Foreign Currency Conversion Clause in Contracts

Foreign Currency Conversion. You may make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars. If you do, Visa/MasterCard will convert the transactions into U.S. dollars. The conversion rate between the transaction currency and the billing currency will be either (i) a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa/MasterCard itself receives, or (ii) the government-mandated rate in effect for the applicable central Foreign Currency Conversion (continued) processing date. The conversion rate Visa/MasterCard uses may differ from any published rate in effect on the day that you made the transaction or it was posted to your Account. You agree to pay us the amount as converted into U.S. dollars according to Visa/MasterCard procedures. Honoring Your Card We are not liable for the failure or refusal of a merchant, ATM or other institution to honor your Card. Although you may have credit available, we will not be liable for the failure to authorize credit due to operational difficulties or mistakes. Transactions made above a certain dollar amount may require authorization by us before the transaction can be approved. In addition, we may limit the number and amount of transactions approved in one day for security reasons. Servicing the Account We will send all written notices and statements to your address as it appears on our records. To avoid delays and missed payments that could affect your credit standing, you agree to advise us promptly if you change your mailing address, place of employment, or telephone number. You authorize us or any of our agents to contact you at any telephone numbers you provide on your credit application or that you provide to us thereafter, including a ported landline, cellular phone, mobile phone or similar device, regarding payments due, Account activity, Account information or for other purposes we deem necessary. You authorize those contacts to be made using an automated telephone dialing system and/or prerecorded messages and/or text messages. You authorize us to send email to the addresses you provide us on your credit application or otherwise. You may be charged by your wireless provider for data, phone usage or minutes. You authorize us to leave a message with a person or on a voice mail, answering machine or answering service that answers the number(s) you have provided to us. You also authorize us to send U.S. postal mail to the addresses you provide to us on your credit application or otherwise. We can also contact other persons you have listed on your credit application to find out information about you and how to contact you in the event we are unsuccessful in contacting you as described above. You also authorize us to send you emails to any address where we can reasonably believe we can contact you.

Foreign Currency Conversion. You may make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars. If you do, Visa/MasterCard will convert the transactions into U.S. dollars. The conversion rate between the transaction currency and the billing currency will be either (i) a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa/MasterCard itself receives, or (ii) the government-mandated rate in effect for the applicable central Foreign Currency Conversion (continued) processing date. The conversion rate Visa/MasterCard uses may differ from any published rate in effect on the day that you made the transaction or it was posted to your Account. You agree to pay us the amount as converted into U.S. dollars according to Visa/MasterCard procedures. Honoring Your Card We are not liable for the failure or refusal of a merchant, ATM or other institution to honor your Card. Although you may have credit available, we will not be liable for the failure to authorize credit due to operational difficulties or mistakes. Transactions made above a certain dollar amount may require authorization by us before the transaction can be approved. In addition, we may limit the number and amount of transactions approved in one day for security reasons. Servicing the Account We will send all written notices and statements to your address as it appears on our records. To avoid delays and missed payments that could affect your credit standing, you agree to advise us promptly if you change your mailing address, place of employment, or telephone number. You authorize us or any of our agents to contact you at any telephone numbers you provide on your credit application or that you provide to us thereafter, including a ported landline, cellular phone, mobile phone or similar device, regarding payments due, Account activity, Account information or for other purposes we deem necessary. You authorize those contacts to be made using an automated telephone dialing system and/or prerecorded messages and/or text messages. You authorize us to send email to the addresses you provide us on your credit application or otherwise. You may be charged by your wireless provider for data, phone usage or minutes. You authorize us to leave a message with a person or on a voice mail, answering machine or answering service that answers the number(s) you have provided to us. You also authorize us to send U.S. postal mail to the addresses you provide to us on your credit application or otherwise. We can also contact other persons you have listed on your credit application to find out information about you and how to contact you in the event we are unsuccessful in contacting you as described above. You also authorize us to send you emails to any email address where we you use or that is assigned to you, whether or not you have provided that email address to us. (continued) Synovus Fraud Alerts Program Text Fraud Alerts Free messages from 74233. Message frequency depends on account activity. You may opt out at any time by texting STOP to 74233. By sending STOP to 74233, you agree to one additional confirmation message stating that you’ve opted out and will no longer receive text messages from Synovus. Get additional support or help by calling 0-000-XXXXXXX (000-0000). Carriers are not responsible for any delayed or undelivered messages. Message may be delayed or not delivered due to factors outside the carrier’s control. PARTICIPATING WIRELESS CARRIERS: AT&T, Metro PCS, Sprint, T-Mobile®, Verizon Wireless. Our Privacy Policy is located at xxx.xxxxxxx.xxx/xxxxxxx. Text fraud alerts are available only to customers who can reasonably believe we can contact youreceive text messages through one of the above-listed Participating Wireless Carriers.

Foreign Currency Conversion. You may make If you effect a Purchase or obtain a Cash Advance transaction with your MasterCard in a currency other than U.S. dollars. If you do, Visa/MasterCard International will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions into U.S. dollarsis generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate between used by MasterCard International on the transaction currency and the billing currency will be either (i) a rate selected by Visa/MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate date may vary differ from the rate Visa/MasterCard itself receivesthat would have been used on the purchase date or cardholder statement posting date. We will charge a 1% Foreign Transaction Fee for all international purchases, cash disbursements and Account credit transactions. ADDITIONAL PROVISIONS: Each provision of this Agreement must be considered part of the total Agreement and cannot in any way be severed from it. However, if any provision of this Agreement is finally determined to be void or unenforceable under any law, rule, or (ii) regulation, all other provisions of this Agreement will remain valid and enforceable. You understand that this Agreement is performable in the government-mandated rate country and state of the aforementioned credit union in effect this Agreement, and the validity, construction, and enforcement of this Agreement shall be governed by applicable federal law and the laws of the state in which the aforementioned credit union is primarily located. We do not warrant any merchandise or services purchased by you with the Card. All purchases and cash advances are extended at the option of the merchant or cash advancing financial institution and we are not responsible for the applicable central Foreign Currency Conversion (continued) processing date. The conversion rate Visa/MasterCard uses may differ from any published rate in effect on the day that you made the transaction or it was posted to your Account. You agree to pay us the amount as converted into U.S. dollars according to Visa/MasterCard procedures. Honoring Your Card We are not liable for the failure or refusal of a merchant, ATM any merchant or other financial institution to honor your Card. Although you may have credit available, we will not be liable for the failure to authorize credit due to operational difficulties or mistakes. Transactions made above a certain dollar amount may require authorization by us before the transaction can be approved. In addition, we may limit the number The Card remains our property at all times and amount of transactions approved in one day for security reasons. Servicing the Account We will send all written notices and statements to your address as it appears on our records. To avoid delays and missed payments that could affect your credit standing, you agree to advise us promptly if you change your mailing addressimmediately surrender the Card upon demand. You agree to pay all reasonable costs of collection, place including court costs and attorney’s fees, and any costs incurred in the recovery of employmentthe Card. We can accept late payments or partial payments, or telephone number. You authorize us check or money orders marked “payment in full” without losing any of our agents to contact you at any telephone numbers you provide on your credit application or that you provide to us thereafter, including a ported landline, cellular phone, mobile phone or similar device, regarding payments due, Account activity, Account information or for other purposes we deem necessary. You authorize those contacts to be made using an automated telephone dialing system and/or prerecorded messages and/or text messages. You authorize us to send email to rights under the addresses you provide us on your credit application or otherwise. You may be charged by your wireless provider for data, phone usage or minutes. You authorize us to leave a message with a person or on a voice mail, answering machine or answering service that answers the number(s) you have provided to us. You also authorize us to send U.S. postal mail to the addresses you provide to us on your credit application or otherwiseAgreement. We can also contact other persons you have listed on your credit application to find out information about you and how to contact you in the event we are unsuccessful in contacting you as described abovedelay enforcing any of our rights under this Agreement without losing them. You also expressly waive presentment for payment, demand, protest, and notice of protest and dishonor of same. You agree to give us prompt notice of any change in your name, mailing address, telephone number or place of employment. If you effect a transaction with your MasterCard card in a currency other than U.S. dollars, MasterCard International will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. You agree that you will not cause or allow the Card to be used in any manner or for any transaction that we believe poses an undue risk or illegality and we may refuse to authorize us to send you emails to any address where we can reasonably believe we can contact yousuch use or transaction. You agree that any illegal use of the Card will be deemed an act of default under this Agreement. YOU FURTHER AGREE TO WAIVE ANY RIGHT TO TAKE LEGAL ACTION AGAINST GECU FOR YOUR ILLEGAL USE OF THE CARD AND TO INDEMNIFY AND HOLD GECU AND MASTERCARD® INTERNATIONAL, INCORPORATED HARMLESS FROM AND AGAINST ANY LAWSUIT, OTHER LEGAL ACTION OR LIABILITY THAT RESULTS DIRECTLY OR INDIRECTLY FROM SUCH ILLEGAL USE.

Foreign Currency Conversion. You may make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars. If you do, Visa/MasterCard Visa will convert the transactions into U.S. dollars. The conversion rate between the transaction currency and the billing currency will be either (i1) a rate selected by Visa/MasterCard 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/MasterCard Visa itself receives, or (ii2) the government-mandated rate in effect for the applicable central Foreign Currency Conversion (continued) processing date. The conversion rate Visa/MasterCard Visa uses may differ from any published rate in effect on the day that you made the transaction or it was posted to your Account. You agree to pay us the amount as converted into U.S. dollars according to Visa/MasterCard Visa procedures. Honoring Your Card We are not liable for the failure or refusal of a merchant, ATM ATM, or other institution to honor your Card. Although you may have credit available, we will not be liable for the failure to authorize credit due to operational difficulties or mistakes. Transactions A transaction made above a certain dollar amount may require authorization by us before the transaction can be approved. In addition, we may limit the number and amount of transactions approved in one day for security reasons. Servicing the Account We will send all written notices and statements to your address and/or email address (if applicable to your Account) as it appears on our records. To avoid delays and missed payments that could affect your credit standing, you agree to advise us promptly if you change your mailing address, email address, place of employment, or and/or telephone numbernumber(s). You authorize us or any of our agents to contact you at any telephone numbers you provide on your credit application or that you provide to us thereafter, including a ported landline, cellular phone, mobile phone or similar device, regarding payments due, Account activity, Account information or for other purposes we deem necessary, in accordance with applicable law. You authorize those contacts to be made using an automated telephone dialing system and/or prerecorded messages and/or text messages. You may revoke your consent to being contacted on your mobile phone using an automated telephone dialing system and/or prerecorded messages and/or text messages at any time by calling us at 1-888-SYNOVUS (796-6887) or by sending written notice to Synovus, Customer Support, X.X. Xxx 00000, Xxxxxxxx, XX 00000-0000. You authorize us or any of our agents to send email to the addresses you provide us on your credit application or otherwise. You may be charged by your wireless provider for data, phone usage or minutes. You authorize us or any of our agents to leave a message with a person or on a voice mail, answering machine or answering service that answers the number(s) you have provided to us. You also authorize us or any of our agents to send U.S. postal mail to the addresses you provide to us on your credit application or otherwise. You also confirm that by providing the mobile phone number and/or email address of an Authorized User(s), you have received consent from the Authorized User(s) to provide this contact information to us, and that the Authorized User(s) have expressly consented to receive calls and/or text messages from us or any of our agents to the number(s) provided, including through an automated telephone dialing system and/or prerecorded messages and/or text messages, about authorized Card transactions, and you agree to indemnify Synovus from any and all losses, damages and penalties arising out of claims or actions that such Authorized User did not consent. We can also contact other persons you have listed on your credit application to find out information about you and how to contact you in the event we are unsuccessful in contacting you as described above. You also authorize us to send you emails to any address where we can reasonably believe we can contact you.