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

Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Card for retail 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. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs, and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account. Transactions processed through the Mastercard® system will be converted according to the applicable rules established by Mastercard®. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by Mastercard® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard® itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. For transactions processed through other networks, the international currency transaction will be converted by that network in accordance with their rules. Additional fees may apply. If you need to contact us about your card while outside of the United States, call us at 000.000.0000.

Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Card debit card or ATM card for retail 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 Schedule for applicable fees. We may block transactions in certain foreign countries. Contact us at the numbers at the end of this Agreement (see Important Contact Information), printed on the back of your access devices or as set forth in the Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. You understand and agree that international transactions include Internet transactions (and other transactions) initiated in the United States with a merchant who processes the transaction in a foreign country, and you acknowledge that International Processing Fees may be charged in such situations. The Credit Union does not control how these merchants, ATMs, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Accountaccount. Transactions processed through the MastercardVisa® system will be converted according to the applicable rules established by Mastercard®Visa. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (ai) a rate selected by 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 Mastercard® Visa itself receives, or (bii) the government-mandated rate in effect for the applicable central processing date. For transactions processed through other networks, the international currency transaction will be converted by that network in accordance with their rules. Additional fees may apply. If you need to contact us about your card while outside of the United States, call contact us at 000.000.0000the numbers listed at the end of this Agreement or printed on the back of your card.

Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Card or ATM card for retail 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 Rate and Fee Schedule for fee information. We may block transactions in certain foreign countries. Call us at the numbers at the end of this Agreement, printed on the back of your access devices or as set forth in the Rate and Fee Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account. Transactions processed through the MastercardVisa® system will be converted according to the applicable rules established by MastercardVisa®. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by MastercardVisa® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MastercardVisa® itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. For transactions processed through other networks, the international currency transaction will be converted by that network in accordance with their rules. Additional fees may apply. If you need to contact us about your card while outside of the United States, call us at 000.000.0000the numbers in the Rate and Fee Schedule or printed on the back of your access.

Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Visa® Debit Card for retail 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. We may block transactions in certain foreign countries. Call us at the number printed on the back of your Debit Card for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union The credit union does not control how these merchants, ATMs, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account. Transactions processed through the MastercardVisa® system will be converted according to the applicable rules established by MastercardVisa®. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by MastercardVisa® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MastercardVisa® itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. For transactions processed through other networks, the international currency transaction will be converted by that network in accordance with their rules. Additional fees may apply. If you need to contact us about your card while outside of the United States, call us at 000.000.0000the number on the back of your Debit Card. Fees will be reflected on your account statement as a Visa® International Service Assessment. The converted transaction amount will be shown separately from the Visa International Service Assessment fee on your account statement.

Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Business Check Card for retail 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 Business Fee Schedule for applicable fees. We may block transactions in certain foreign countries. Contact us at the numbers at the end of this Agreement (see Contact Information), printed on the back of your access devices or as set forth in the Business Fee Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. You understand and agree that international transactions include Internet transactions (and other transactions) initiated in the United States with a merchant who processes the transaction in a foreign country, and you acknowledge that International Processing Fees may be charged in such situations. The Credit Union does not control how these merchants, ATMs, and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Accountaccount. Transactions processed through the MastercardVisa® system will be converted according to the applicable rules established by Mastercard®Visa. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (ai) a rate selected by 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 Mastercard® Visa itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. For transactions processed through other networks, the international currency transaction will be converted by that network in accordance with their rules. Additional fees may apply. If you need to contact us about your card while outside of the United States, call us at 000.000.0000.or

Using Your Card for International Transactions. Prior to traveling out of the country, please contact us at 000.000.0000 or 800.843.5295 to notify us of your plans. If a suspicious transaction or a transaction out of your normal spending pattern appears, it is possible that your debit card could be blocked. Please contact us so we can notate your account(s). You may use your Credit Union Debit Card or ATM card for retail 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 Rate and Fee Schedule for fee information. We may block transactions in certain foreign countries. Call us at the numbers at the end of this Agreement or as set forth in the Rate and Fee Schedule for more information. Some merchant and ATM transactions, even if you and/or the merchant or ATM are located in the United States, are considered international transactions under the applicable network rules, in which case we will add International Processing Fees to those transactions. Credit Union does not control how these merchants, ATMs, ATMs and transactions are classified for this purpose. If the transaction requires a currency conversion, the exchange rate in effect when processed may differ from the rate in effect on the date of the transaction or the date of the posting to your Account. Transactions processed through the MastercardVisa® system will be converted according to the applicable rules established by MastercardVisa®. The foreign currency transaction will be converted to U.S. Dollars by multiplying the amount of the foreign currency times (a) a rate selected by MastercardVisa® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MastercardVisa® itself receives, or (b) the government-mandated rate in effect for the applicable central processing date. For transactions processed through other networks, the international currency transaction will be converted by that network in accordance with their rules. Additional fees may apply. If you need to contact us about your card while outside of the United States, call us at 000.000.0000the numbers in the Rate and Fee Schedule.