Common use of Currency Conversion Fee Clause in Contracts

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "cross-border transaction" shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the United States, and (b) transactions initiated in the United States but are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardVISA, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) transaction fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 12% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard charges us a Cross-Border Assessment up to 1.8% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) transaction fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCard, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the United States, and (b) transactions initiated in the United States but are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardVISA, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Cross- Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) transaction fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statementstatement Preauthorized credit: If you arrange to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the number stated in the Schedule to find out whether or not the deposit has been made.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardby, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 11.5% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Border Assessment up to 11.5% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Cross- Border Transaction fee(s) transaction fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.statement 10. Finance Charges on Account. You agree to pay the FINANCE CHARGE on your account. A FINANCE CHARGE computed on a monthly periodic rate ("MPR") will begin to accrue on the transaction date of Cash Advance(s) and Purchases or the first day of the billing cycle, whichever is later, and will continue to be imposed until you have paid any outstanding balance in full. The Credit Union calculates the FINANCE CHARGE as follows:

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard Mastercard will convert the charge into a US Dollar amount. The MasterCard Mastercard currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardMastercard, as applicable. The exchange rate MasterCard Mastercard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard Mastercard charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the United States, and (b) transactions initiated in the United States but are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. CrossCROSS-Border Transaction FeeBORDER TRANSACTION FEE: In addition, MasterCard charges us a Cross-Border Assessment up to 1% on each transaction on all cross cross-border transactions regardless of whether there is a currency conversion. For purposes of this Section, "cross-border transaction" shall include both (a) transactions transac- tions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions trans- actions subject to these terms. The Cross-Border Transaction fee(s) Fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction transac- tion amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardVISA , as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardVISA, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Cross- Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the United States, and (b) transactions initiated in the United States but are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardVISA, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Cross- Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For For‌ purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) transaction fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statementstatement‌‌ Preauthorized credit: If you arrange to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the number stated in the Schedule to find out whether or not the deposit has been made.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard VISA will convert the charge into a US Dollar amount. The MasterCard VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardVISA, as applicable. The exchange rate MasterCard 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard VISA charges us a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "“cross-border transaction" ” shall include both (a) transactions initiated in a foreign country, which are subsequently settled in the United States, and (b) transactions initiated in the United States but are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) will be shown separately on your periodic billing statement(s). The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

Currency Conversion Fee. If you effect or authorize a transaction with your access device in a currency other than US Dollars, MasterCard the card provider will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by MasterCardthe card provider, as applicable. The exchange rate MasterCard uses used 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 purchase or the date the transaction was posted to your account. A Currency Conversion Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, MasterCard charges us card providers may charge a Cross-Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section, "cross-“cross- border transaction" ” shall include both (a) transactions initiated in a foreign country, country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border Transaction fee(s) transaction fee will be shown separately on your periodic billing statement(s)statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.