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Foreign Transaction Notice

International Service Assessment (ISA) Fee to Appear Separately for Foreign Transactions

Effective Tuesday, April 14, 2015, purchases, cash advances, or ATM withdrawals made in non-U.S. dollars will be converted and billed to your account in U.S. dollars under the operating rules determined by MasterCard*.

Purchases, withdrawals, and cash advances made in foreign currencies will be debited from your account in U.S. dollars. If a Cross-Border Transaction on a U.S.-issued debit card is submitted to MasterCard in the currency of the country of the merchant, MasterCard will convert the transaction to U.S. dollars using its currency conversion procedure. MasterCard uses either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The government-mandated exchange rate or wholesale exchange rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted to your account. A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, withdrawals, cash advances, and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies, or U.S. consulates.