Common use of Using Your Card for International Transactions Clause in Contracts

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMsATMs that bear either the PLUS System or the Visa logo. 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 Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or 3.00% of the ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Credit Union Debit Card or ATM card for retail Purchases purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. A 1.00% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card. We may block transactions in certain foreign merchants countries. Call us at the number printed on the back of your access devices or as set forth in the Rate and Fee Schedule for cash withdrawals from foreign ATMsmore information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign international transactions under the applicable network rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section International Processing Fees to those transactions. We do Credit Union does not control how these merchants, ATMs, ATMs and transactions are classified for this purpose. The If the transaction requires a currency conversion, 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 Transactions processed through the Visa Visa® system and will be converted to U.S. Dollars according to the applicable rules established by Visa from time to timeVisa®. Currently, the currency conversion rate used by Visa to determine the The foreign currency transaction amount in will be converted to U.S. Dollars is determined by multiplying the amount of the foreign currency transaction times (a) a rate selected by Visa 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 Visa® itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. If your foreign For transactions processed through other networks, the international currency transaction is will be converted by that network in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transactionaccordance with their rules. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transactionAdditional fees may apply. If you use need to contact us about 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 card while outside of that ATM. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 call us at the applicable Mastercard rules, numbers in which case we will add the Foreign Transaction Rate and Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect Schedule or printed on the processing date may differ from the rate that would have been used on the date back of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENTaccess devices.

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section the addendum 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). MastercardMasterCard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard MasterCard logo. 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 Mastercard MasterCard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard MasterCard logo (and no PLUS System logo) with your Mastercard MasterCard Card in a currency other than U.S. Dollars, Mastercard MasterCard International Incorporated will convert the transaction into a U.S. Dollar amount using its currency conversion procedure, which is disclosed to institutions that issue Mastercard MasterCard cards. Currently, the currency conversion rate used by Mastercard MasterCard International to determine the foreign currency transaction amount in U.S. Dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by Mastercard MasterCard International for the processing cycle in which the transaction is processed. If your foreign transaction is in foreign currency prior to being processed by MastercardMasterCard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by MastercardMasterCard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard MasterCard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard MasterCard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard MasterCard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). MastercardMasterCard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard MasterCard logo. 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 Mastercard MasterCard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard MasterCard logo (and no PLUS System logo) with your Mastercard MasterCard Card in a currency other than U.S. Dollars, Mastercard MasterCard International Incorporated will convert the transaction into a U.S. Dollar amount using its currency conversion procedure, which is disclosed to institutions that issue Mastercard MasterCard cards. Currently, the currency conversion rate used by Mastercard MasterCard International to determine the foreign currency transaction amount in U.S. Dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by Mastercard MasterCard International for the processing cycle in which the transaction is processed. If your foreign transaction is in foreign currency prior to being processed by MastercardMasterCard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by MastercardMasterCard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard MasterCard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard MasterCard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard MasterCard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section the addendum 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section the addendum 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT.

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Montecito Bank & Trust Business Debit Card or ATM card (if it is linked to a checking account) for retail Purchases at purchases with foreign merchants and for cash withdrawals from foreign ATMsATMs that bear either the Cirrus System or MasterCard logo. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described foreign fees in this section to those transactions. We do Montecito Bank & Trust does not control how these merchants, ATMs, 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 Accountaccount. If you use your Card at make a merchant or an ATM that bears the Visa logo (and no PLUS System logo)purchase overseas, for transactions processed through MasterCard, the foreign currency transaction will be processed through the Visa system and will be converted to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction times (a) 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 (b) the government-mandated rate in effect for the applicable central processing date. If your foreign transaction is in foreign You will see the debit for the U.S. equivalent, a MasterCard currency prior to being processed by Visaconversion fee, we will add and a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase MasterCard cross border fee. We pass through these charges from MasterCard with no additional fees or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transactionsurcharges from us. If you use your Montecito Bank & Trust Business Debit Card or ATM card at an ATM that bears only the PLUS Cirrus System logo (and no Visa MasterCard logo), the transaction will be processed through the PLUS Cirrus System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGEAdditional fees may apply. If you use your Montecito Bank & Trust Business Debit Card or ATM card at an ATM that bears both the Visa MasterCard and PLUS Cirrus System logos, the ATM operator will determine whether to send your transaction over the Visa MasterCard or PLUS Cirrus System network using such network's respective currency conversion rules then in effect (as explained above). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT.

Using Your Card for International Transactions. Visa: You may use your Card Montecito Bank & Trust MasterMoney Debit card or ATM card (if your ATM card is linked to a checking account) for retail Purchases at purchases with foreign merchants and for cash withdrawals from foreign ATMsATMs that bear either the Cirrus System® or MasterCard® logo. If you plan to use your MasterMoney Debit card while travelling, please notify the Bank at the phone numbers or address above to reduce the chance of a declined transaction. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described foreign fees or surcharges in this section to those transactions. We do Montecito Bank & Trust does not control how these merchants, ATMs, 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 make a merchant or an ATM that bears the Visa logo (and no PLUS System logo)purchase overseas, for transactions processed through MasterCard, the foreign currency transaction will be processed through the Visa system and will be converted to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction times (a) 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 (b) the government-mandated rate in effect for the applicable central processing date. If your foreign transaction is in foreign You will see the debit for the U.S. equivalent, a MasterCard currency prior to being processed by Visaconversion fee, we will add and a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transactionMasterCard cross border fee. If you use your Card Montecito Bank & Trust MasterMoney Debit card or ATM card at an ATM that bears only the PLUS Cirrus System logo (and no Visa MasterCard logo), the transaction will be processed through the PLUS Cirrus System and will be converted into U.S. Dollars at the exchange rate established, from time to time, by the operator of that ATM. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGEAdditional fees may apply. If you use your Card Montecito Bank & Trust MasterMoney Debit card or ATM card at an ATM that bears both the Visa MasterCard and PLUS Cirrus System logos, the ATM operator will determine whether to send your transaction over the Visa MasterCard or PLUS Cirrus System network using such network's respective currency conversion rules then in effect (as explained above). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT.

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMsATMs that bear either the PLUS System or the Visa logo. 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 Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.002.00% of the Purchase transaction or 2.00% of the ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Debit Card for retail Purchases purchases with international merchants, for international cash advances and all transactions performed at international ATMs that bear any of the network logos found on your card. Refer to the Fee Schedule for fee information. We may block transactions in certain foreign merchants and for cash withdrawals from foreign ATMscountries. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign international transactions under the applicable network rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section International Processing Fees to those transactions. We do Credit Union does not control how these merchants, ATMs, ATMs and transactions are classified for this purpose. If you effect a transaction with your debit card in a currency other than US Dollars, Visa® will convert the charge into a US Dollar amount. The Visa® currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Visa®. The exchange rate Visa® uses will be a rate in effect when on the day the transaction is processed processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions. Currency Conversion Fee: If you effect or authorize a transaction with your access device in a currency other than US Dollars, VISA will convert the charge into a US Dollar amount. The VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by VISA, as applicable. The exchange rate VISA uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of the transaction purchase or the date of the posting of the transaction was posted to your Accountaccount. If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction A Currency Conversion Fee of up to 1% will be processed through the Visa system and will be applied to transactions that are converted from foreign currencies to U.S. Dollars according dollars. Cross- Border Transaction Fee: In addition, VISA charges us a Cross-Border Assessment up to the applicable rules established by Visa from time to time1% on each transaction on all cross-border transactions regardless of whether there is a currency conversion. CurrentlyFor purposes of this Section, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction times “cross-border transaction” shall include both (a) transactions initiated in a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, foreign country 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located subsequently settled in the United States, and (b) transactions initiated in the United States but which are considered foreign ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to pay for each of your transactions under subject to these terms. The Cross-Border transaction fee will be shown separately on your periodic billing statement. The Currency Conversion Fee, if it applies to the applicable Mastercard rulestransaction, will be included in which the transaction amount posted on your statement Limitations on our Liability: We will not be liable for our inability to perform a transfer if: • you misuse an ATM or POS terminal • you do not have enough money in your account to make the transfer • your account is subject to legal process or encumbrance • you have an overdraft line and the transfer would cause you to exceed your credit limit • an ATM does not have sufficient cash • a terminal or system is not working properly • circumstances beyond our control (including, without limitation, any act of God, accident, fire, flood, equipment failure, or system failure) prevent the transfer • merchant refuses to accept your Card • ATM rejects your Card • your Card or account has been cancelled We shall have no liability to you other than those imposed upon us by law for our own lack of good faith or failure to act in accordance with the reasonable commercial standards of the banking business. Reasonable care in the handling of items of deposit shall be measured by the standard of the reasonableness of the banking procedures established for the transaction involved. A mere inadvertence or an honest mistake of judgment will not constitute a failure to perform such obligations or a failure to exercise reasonable care, and in no case will be deemed wrongful. We shall not be liable for consequential, indirect, or special damages even if we have been advised of the possibility of them. Notifying the Credit Union of Unauthorized Use: You agree to instruct each Authorized Cardholder to notify you immediately if a Card or PIN is lost or stolen, or if a Card or PIN or the account number for a Card or PIN may be subject to any Unauthorized Use. You agree to notify the Credit Union immediately if you or any Authorized Cardholder knows or suspects that a Card or PIN is lost, stolen or otherwise subject to Unauthorized Use. The Credit Union requires information in writing concerning the apparent or potential unauthorized Transaction. Unauthorized Use – Additional Risk Associated with Use of Business Purpose Cards: You will add not have the Foreign Transaction Fee INTEREST CHARGE benefit of any consumer law limiting liability with respect to the unauthorized use of your Card. This means your liability for the unauthorized use of your Card could be greater than the liability in a consumer debit card transaction. You accept and agree to undertake the additional risk and greater measure of liability associated with the use of business purpose cards as described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your AccountAgreement. If you effect a transaction at a merchant or an ATM that bears Authorized Cardholder notifies the Mastercard logo (and no PLUS System logo) with your Mastercard Credit Union of a lost or stolen Card or PIN or any known or suspected unauthorized Transactions, the Credit Union will respond in a currency other than U.S. Dollars, Mastercard International Incorporated will convert commercially reasonable manner and time to reduce the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE risk of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transactionany Unauthorized Use. If you fail to notify the Credit Union as required in this Agreement, You shall be liable for all Unauthorized Use. NOTWITHSTANDING ANY OTHER PROVISIONS OF THIS AGREEMENT, YOU AGREE THAT, WITH RESPECT TO ANY SINGLE UNAUTHORIZED TRANSACTION, THE CREDIT UNION WILL HAVE NO LIABILITY TO YOU FOR ANY UNAUTHORIZED TRANSACTIONS MADE USING YOUR CARD THAT OCCUR BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. The use of a Card at any time by an Authorized Cardholder, or by another person with an Authorized Cardholder’s knowledge, even if the Authorized Cardholder is no longer employed or associated with you, shall not constitute Unauthorized Use, subject to expressly applicable laws. Notwithstanding the foregoing, if the unauthorized transaction was a MasterCard Transaction, the Credit Union agrees to extend the benefits provided by the Visa Zero Liability program in effect at the time of the Unauthorized Use, as long as You demonstrated that reasonable care was exercised in safeguarding the Card or PIN from the risk of loss or theft, and upon become aware of a loss or theft of the Card or PIN or any unauthorized use of it, a report of the loss or theft of the Card or PIN or any unauthorized use of it was promptly provided to us. The Credit Union will determine, in its sole discretion, the reasonableness of any particular period of time based on the circumstances. To Report a Lost or Stolen Card: If your Card at has been lost or stolen, or you believe an ATM that bears only the PLUS System logo (and no Mastercard logo)unauthorized transfer or error has occurred or may occur, 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, please contact us AT ONCE by the operator of that ATM. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard calling 000-000-0000 or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT000-000-0000 during normal business hours.

Using Your Card for International Transactions. Visa: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs. 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 rules, in which case we will add the Foreign Transaction Fee INTEREST CHARGE described in this section 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 to U.S. Dollars according to the applicable rules established by Visa from time to time. Currently, the currency conversion rate used by Visa to determine the foreign currency transaction amount in U.S. Dollars is determined by multiplying the amount of the foreign currency transaction 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 your foreign transaction is in foreign currency prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase or ATM transaction. 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. To the converted transaction we will not add a Foreign Transaction Fee INTEREST CHARGE. 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). Mastercard: You may use your Card for retail Purchases at foreign merchants and for cash withdrawals from foreign ATMs that bear either the PLUS System or the Mastercard logo. 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 Mastercard rulesMastercardrules, in which case we will add the Foreign Transaction ForeignTransaction Fee INTEREST CHARGE described in this section to those transactions. We do not control how these merchants, ATMs, and transactions are classified for this purpose. The currency conversion rate in effect on the processing date may differ from the rate that would have been used on the date of the transaction or the date of the posting of the transaction to your Account. If you effect a transaction at a merchant or an ATM that bears the Mastercard logo (and logo(and no PLUS System logo) with your Mastercard Card in a currency other than U.S. Dollars, Mastercard International Incorporated will convert the transaction into a U.S. Dollar amount using 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 foreign currency 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. If your foreign transaction is in foreign currency prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If your foreign transaction is in or converted to U.S. Dollars prior to being processed by Mastercard, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3.00% of the Purchase transaction or up to 3.00% of the ATM transaction. If you use your Card at an ATM that bears only the PLUS System logo (and no Mastercard 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. To the converted transaction we will add a Foreign Transaction Fee INTEREST CHARGE. If you use your Card at an ATM that bears both the Mastercard and PLUS System logos, the ATM operator will determine whether to send your transaction over the Mastercard or PLUS System network using such network’s respective currency conversion rules then in effect (as explained above). YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT