Common use of Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions Clause in Contracts

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 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, 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 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 will be shown separately on your periodic billing statement. The Currency Conversion Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement.

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 Texans Debit Card or Debit BusinessCard in a currency other than US DollarsU.S. dollars, VISA® Mastercard will convert the charge into a US Dollar U.S. dollar amount. The VISA® Mastercard will use its currency conversion procedure includes use of procedure, which is disclosed to institutions that issue Mastercard cards. Currently the currency conversion rate used by Mastercard to determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated exchange rate, rate or a wholesale exchange rate selected determined by VISA® as applicable. The exchange rate VISA® uses will be a rate Mastercard from the processing cycle in effect on the day which the transaction is processed, increased by an adjustment factor established from time to time by Mastercard. This The currency conversion rate used by Mastercard on the processing date may differ from the rate in effect that would have been used on the purchase date of the purchase or the date the transaction was posted to your accountcardholder statement posting date. 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, VISA® 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- 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 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 will be shown separately on your periodic billing statement. The Currency Conversion Fee, if it applies to the transaction, will may be included in the transaction amount posted on your statement.