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

Using Your Card for International Transactions. You may use your Card for Purchases at foreign merchants and for cash withdrawals from foreign ATMs that display the American Express logo. (To find your nearest ATM please visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxx.) If you make a charge or cash withdrawal in a foreign currency, American Express will convert it into U.S. Dollars on the date that American Express or American Express’ agents process it, which may be different than the date of the transaction. Unless a particular rate is required by law, the rate American Express uses to convert transactions in foreign currencies to U.S. Dollars is no more than the highest official rate published by a government agency or the highest interbank rate from customary banking sources on the conversion date or the prior business day. This rate may differ from the rates that are in effect on the date of your charge or withdrawal. Charges that are converted directly by a merchant (such as airlines) will be at the rates they use. If your transaction is in a foreign currency, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction. If you make a transaction in U.S. Dollars outside the United States (including charges made from websites outside the United States), we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction. YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. You may use your Card for Purchases at foreign merchants and for cash withdrawals from foreign ATMs that display the American Express logo. (To find your nearest ATM please visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxx.) If you make a charge or cash withdrawal in a foreign currency, American Express will convert it into U.S. Dollars on the date that American Express or American Express’ agents process it, which may be different than the date of the transaction. Unless a particular rate is required by law, the rate American Express uses to convert transactions in foreign currencies to U.S. Dollars is no more than the highest official rate published by a government agency or the highest interbank rate from customary banking sources on the conversion date or the prior business day. This rate may differ from the rates that are in effect on the date of your charge or withdrawal. Charges that are converted directly by a merchant (such as airlines) will be at the rates they use. If Whether your foreign Purchase or ATM transaction is in U.S. Dollars or a foreign currency, we will add do not charge a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction. If you make a transaction in U.S. Dollars outside the United States (including charges made from websites outside the United States), we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transactionCHARGE. YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT

Using Your Card for International Transactions. Visa: You may use your Card for Purchases at foreign merchants and for cash withdrawals from foreign ATMs that display the American Express logo. (To find your nearest ATM please visit xxx.xxxxxxxxxxxxxxx.xxx/xxxxxxxxxx.) If you make a charge or cash withdrawal in a foreign currency, American Express will convert it into U.S. Dollars on the date that American Express or American Express’ agents process it, which may be different than the date of the transaction. Unless a particular rate is required by law, the rate American Express uses to convert transactions in foreign currencies to U.S. Dollars is no more than the highest official rate published by a government agency or the highest interbank rate from customary banking sources on the conversion date or the prior business day. This rate may differ from the rates that are in effect on the date of your charge or withdrawal. Charges that are converted directly by a merchant (such as airlines) will be at the rates they use. If your transaction is in a foreign currency, we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction. If you make a transaction in U.S. Dollars outside the United States (including charges made from websites outside the United States), we will add a Foreign Transaction Fee INTEREST CHARGE of up to 3% of the Purchase transaction or up to 3% of the ATM transaction. YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT