Common use of Consumer Accounts Clause in Contracts

Consumer Accounts. You are responsible for all transfers you authorize using your EFT services under this Agreement. If you permit other persons to use an EFT service, Card or access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your Account, Card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For MasterCard Check Card purchase transactions, if you notify us of your lost or stolen card, you will not be liable for any losses provided you were not grossly negligent or fraudulent in handling your Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will apply. For all other EFT transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or EFT service, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the full amount of the loss, if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your Card or access code without your permission or your card has been lost or stolen, call (000) 000-0000 Or write: True North Federal Credit Union P.O. Box 34157 Juneau, AK 99803 Business Days. Our business days are Monday through Friday. Holidays are not included. Fees and Charges. There are certain charges for the EFT services as set forth on the Fee Schedule. ATM Surcharges. If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction. Foreign Transactions. Purchases made in or with merchants located in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by MasterCard International, Inc. is 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 the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of up to 2% of the transaction amount for any card transaction made in or with merchants located in a foreign country.

Consumer Accounts. You THIS SUBSECTION I.E.iii APPLIES ONLY TO LINKED CONSUMER ACCOUNTS AND ONLY TO THE EXTENT THAT THE USE OF THE ONLINE BUSINESS BANKING SERVICES AND/OR THE APPLICABLE LINKED CONSUMER ACCOUNTS ARE PRIMARILY FOR PERSONAL, FAMILY, OR HOUSEHOLD USE. THE TERMS OF THIS SECTION DO NOT APPLY TO CUSTOMER OR ANY OTHER PERSON TO THE EXTENT THAT THE USE OF THE ONLINE BUSINESS BANKING SYSTEM OR ANY SERVICES IS FOR NON-CONSUMER PURPOSES. BUSINESS ACCOUNTS ARE NOT PROTECTED BY CONSUMER PROTECTION LAWS INCLUDING, BUT NOT LIMITED TO, REGULATION E. In Case of Errors or Questions About Your Electronic Transactions Affecting Consumer Accounts. Contact us as soon as you can by a secure online mail message, or call us at 000-000-0000 or 0-000-000-0000, or write us at LegacyTexas Bank, XX Xxx 000000, Xxxxx XX 00000-0000 if you think your statement or transaction record is wrong or if you need more information about a transaction listed on your statement. We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared. When you contact us, please provide the following information: • Tell us your name and account number (if any). • Describe the error or the transfer you are responsible for all transfers unsure about, and explain as clearly as you authorize using your EFT services under this Agreementcan why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you permit other persons to use an EFT service, Card or access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once orally, we may require you to send us your complaint or question in writing or via email within 10 Business Days (Online Business Banking customers may use secure online mail). We will determine whether an error occurred within 10 Business Days (5 Business Days for VISA® Check Card point-of-sale transactions processed by Visa and 20 Business Days if the transfer involved a new account) after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transactions, or a foreign-initiated transfer) to investigate your complaint or question. In this case, we will provisionally credit your account within 10 Business Days (5 Business Days for VISA® Check Card point-of-sale transactions processed by Visa and 20 Business Days if the transfer involved a new account) for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive your letter in 10 Business Days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before the subject account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Limitation of Liability for Online Business Banking Transactions Affecting Consumer Accounts. Tell us AT ONCE if you believe anyone your Online Business Banking passcode has used been compromised or if someone has transferred or may transfer money from your Account, Card or access code and accessed your accounts account without your authoritypermission. Telephoning is the best way of keeping your possible losses down. For MasterCard Check Card purchase transactionsContact us as soon as you can by a secure online mail message, if you notify or call us at 000-000-0000 or 0-000-000-0000, or write us at LegacyTexas Bank, XX Xxx 000000, Xxxxx XX 00000-0000. You could lose all the money in your account (plus your maximum overdraft line of your lost or stolen card, you will not be liable for any losses provided you were not grossly negligent or fraudulent in handling your Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will applycredit). For all other EFT transactions, if If you tell us within two (2) 2 business daysdays after you learn of the loss or theft of your passcode, you can lose no more than $50 if someone accessed used your account passcode without your permission. If you do not NOT tell us within two (2) 2 business days after you learn of the unauthorized use loss or theft of your account or EFT servicepasscode, and we can prove that we could have stopped someone from accessing using your account passcode without your permission if you had told us, you could lose as much as $500. Also, if your statement shows EFT transfers that you did not make, including those made by passcode or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the statement was mailed to you, you may be liable for not get back any money you lost after the full amount of the loss, 60 days if we can prove that we could have stopped someone from making taking the transfers money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If When you believe give someone your Online Banking ID and passcode, you are authorizing that someone has used person to use your Card Online Banking services, and you are responsible for all transactions that person performs while using your services. All transactions that person performs, even those transactions you did not intend or access code without your permission or your card has been lost or stolenwant performed, call (000) 000-0000 Or write: True North Federal Credit Union P.O. Box 34157 Juneau, AK 99803 Business Days. Our business days are Monday through Friday. Holidays are not included. Fees and Charges. There are certain charges for the EFT services as set forth on the Fee Schedule. ATM Surchargesauthorized transactions. If you use an notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us and we have had a reasonable period of time to act following receipt of such notice are considered unauthorized. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. For your protection, sign off after every Online Banking session and close your browser to ensure confidentiality. Note: These liability rules are established by Regulation E. Our liability policy regarding unauthorized debit card or ATM that is not operated by usCard transactions may give you more protection, provided you may be charged an ATM surcharge by report the ATM operator or an ATM network utilized for such a transactiontransactions promptly. The ATM surcharge will be debited from Please see your Account Terms. Also, the state law applicable to your account if may give you elect more time to complete the transaction. Foreign Transactions. Purchases made in report an unauthorized transaction or with merchants located in foreign countries will be billed to may give you in U.S. dollars. The currency conversion rate for international transactions as established by MasterCard International, Inc. is 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 the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of up to 2% of the transaction amount for any card transaction made in or with merchants located in a foreign countrymore protection.

Consumer Accounts. You are responsible for If you think that an electronic transfer shown on your statement is wrong, or if you need more information about a transfer, contact us at the telephone number or address listed under the “How to Contact Us” section at the end of this document. Please tell us all transfers the information requested under the section entitled “What To Tell Us in Case of Any Error or Inquiry” at the end of this document. We must hear from you authorize using your EFT services under this Agreementno later than 60 days after we send you the FIRST statement on which the error or problem appeared. If you permit other persons tell us orally, we may require that you send us your complaint or question in writing within ten business days. We will tell you the results of our investigation within ten business days (twenty business days if your account is less than 30 days old) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for Point-of-Sale (POS) transactions, transactions involving foreign countries, or transactions on accounts less than 30 days old) to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten business days (twenty business days if your account is less than 30 days old) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If your complaint or question relates to a claim of unauthorized use of your Debit Card and your account has been open at least 30 days, we will provisionally credit your account within five business days. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account while we investigate. We will give you a written explanation of our investigation within three business days of completing it, whether or not we decide there was an EFT serviceerror. You may ask for copies of the documents that we used in our investigation. If we find that there was an error, Card we will change any provisional credit to a permanent credit. If we find that there was no error, we will reverse any provisional credit and the amount of the provisional credit will be deducted from your account. We will notify you if this happens and will pay any items that overdraw your account for five business days after we send you this notice without imposing an overdraft fee, but only to the extent the overdrafts are equal to or access codeless than the amount of the provisional credit we deducted. If any item overdraws your account by more than the amount of the provisional credit, you will be charged an overdraft fee. CREDIT UNION OFFICIAL CHECKS We may allow you to withdraw funds from your account or take a loan advance in the form of a cashier’s check. A cashier’s check is drawn on us and we are, under normal circumstances, guaranteeing payment of the check. Cashier’s checks should be handled with great care as they are functional cash equivalents and payment cannot be stopped. We will accept a request for a refund or replacement of a cashier’s check only if you give us a written declaration under penalty of perjury stating the cashier’s check was lost, stolen or destroyed before you negotiated it or delivered it to the payee. If the cashier’s check was lost, stolen or destroyed after delivery or attempted delivery to the payee, the payee must also sign a written declaration under penalty of perjury the check was lost, stolen or destroyed before the payee negotiated it. If we receive the request after we have paid the cashier’s check, we will have no responsibility for the loss. We are not obligated to issue a replacement cashier’s check until 90 days after its date. We reserve the right to require you to post and pay for a lost instrument bond before we will issue a refund or replacement. We are discharged from further liability if we refund a cashier’s check by crediting the account or credit line from which you obtained the funds to purchase the cashier’s check, or if we replace the cashier’s check by issuing a new one. If a holder in due course presents the original cashier’s check for payment after we have refunded or replaced it, you must pay the amount of the original cashier’s check to the holder, or to us if we are required to pay the holder. If you do not pay upon our reasonable demand, you agree that “Our Right to Recover What You Owe Us” applies. Wire Transfers We can process wire transfers from your account and will carry out your written instructions. We will also receive wire transfers for you. Wire transfers are subject to applicable law and regulation, including the terms of Federal Reserve Regulation J, Article 4A of the Uniform Commercial Code, and for outgoing international consumer wires, the Remittance Transfer Rules of Consumer Financial Protection Bureau Regulation E. California law governs County Federal wire transfers. If Remittance Transfer rules apply to an international wire, you will receive a disclosure to that effect when you initiate the wire. Wires sent and received will be reflected on your monthly account statement. You agree to report any errors or unauthorized activity within 14 days. If you do not report an error or unauthorized wire within 30 days after we mail you the statement on which it appeared, we will not be responsible for any transactions they authorize resulting loss. With respect to international wires, you may have a longer time to report errors or conduct on any unauthorized activity. You will receive a disclosure of international wire dispute rights that exceeds these time limits, if any, when you initiate an international wire to which extended reporting times apply. Wire Transfers continued. Wire transfer instruction errors may delay the sending or receipt of your accountswires. HoweverWe can refuse to carry out wire instructions if we have reason to believe following the instructions will cause us a loss. We will not be liable for damages to you or to any third party if we accurately carry out the wire transfer instructions we receive in a reasonable manner. You confirm you understand there is a risk wire transfers can be lost, tell us at once if you believe anyone has used your Account, Card mis-delivered or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For MasterCard Check Card purchase transactions, if you notify us of your lost or stolen carddelayed due to circumstances beyond our control, you assume such risk, and you agree we will have no liability to you or any third party as a result of errors, interruptions or delays in wire transmission except to the extent they arise from our gross negligence or intentional misconduct. We will not be liable to you for errors by other institutions involved in the processing of wire request. We will not be liable for indirect, consequential or punitive damages if a loss is sustained because we have failed to carry out instructions in a reasonable manner, even if we are advised they may occur. Our maximum liability will be the amount of the wire transfer and any interest we are required to pay under applicable laws or regulations or the rules of the funds transfer system used to process your wire. WIRE TRANSFERS WE RECEIVE We will carry out the terms specifically as transmitted by the sending financial institution. We have no obligation to correct erroneous spelling or account numbers. We will follow account numbers, not names, in posting incoming wires, unless we have actual knowledge the name and account number do not match. If we have actual knowledge the name and account number do not match, we may at our option post the wire according to the account number or return the wire to the sending institution. We will not be responsible for any direct or consequential claims, damages, losses, or liability you allege occurred due to a failure to post a wire to your account if the failure was due to an error in the name or routing number provided by the sender, or an inconsistency between the name and account number provided by the sender. We are responsible only for our failure to accurately comply with the instructions provided by the sender, and our liability is limited to the amount of the wire. We will not be liable for any losses provided alleged consequential damages resulting from our error, such as lost business opportunities or harm to your credit standing. Unless a specific account is indicated, we will post wired funds to your regular share savings account. If we receive an erroneous wire to your account, the sending party can reverse the transaction and the amount of the wire will be deducted from your account. We will notify you were not grossly negligent or fraudulent in handling your Card if this happens, and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will apply. For all other EFT transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permissionagree to immediately restore any resulting negative balance upon our demand. If you do not tell do so, you agree our Right of Offset applies. If we cannot recover the negative balance by exercising our Right of Offset, you agree our right to recover Collection Costs applies. You agree we are not required to provide notice to you if we receive a wire transfer on your behalf. It is your responsibility to confirm funds you expect to receive via wire transfer are posted to the appropriate account. You may telephone us, visit any branch, or use Telephone Banking or Digital Banking to check deposits to your accounts. WIRE TRANSFERS WE SEND We can process wire transfers from your accounts and will carry out your written instructions upon receipt of your request. The wire transfer request cutoff time is 1:00 p.m. PST on a business day. Requests received after the cutoff time will be processed on the next business day. A wire transfer form is required for each request. Available funds must be in the account that is designated to withdraw from for the wire and any applicable fees. We can select any conventional means for processing your wire transfer. Except for certain types of international wires, wire transfer orders do not apply to funds transfers taking place through the Automated Clearinghouse System. We can rely on any information furnished on the wire transfer form with respect to the recipient, the receiving financial institution and any correspondent bank. We have no obligation to correct erroneous spellings of names or erroneous account numbers in sending or receiving wire transfers. You understand and agree if you provide a bank name and identifying number that do not match, or a recipient name and account number that do not match, we and any other entity involved in processing your wire are entitled to rely on the number only and will have no obligation to you or any third party to confirm that the name and number match. We reserve the right not to complete a wire transfer request when in receipt of an incomplete wire transfer request form. We may, on occasion, be in receipt of additional documentation provided by you with information related to the recipient’s wire instructions. We may use this information to validate your instructions; however, we cannot be held liable if the information does not match your instructions on the wire transfer form. You agree to defend, indemnify and hold us within two (2) business days after harmless from any costs we incur because of carrying out your wire transfer instructions, including unanticipated costs we incur. Any such costs may be deducted from any County Federal Credit Union account in which you learn of have an interest. We may, as an accommodation to you, attempt to assist you in identifying routing numbers or correspondent or intermediary bank numbers for your wire transfer recipients. However, any such assistance is provided as an accommodation to you only. We will not be responsible for any errors. Once a wire has been sent, it generally cannot be amended or canceled. International wires may be subject to cancellation for the unauthorized use time stated in the disclosure you receive. Any person to whom you have given actual, implied or apparent authority to initiate wire transfers out of your account or EFT service, and we can prove that we could have stopped someone from accessing your account who gains access with or without your permission if to the information necessary to initiate wire transfers out of your account is deemed to have been authorized to initiate the wire and you had told us, you could lose as much as $500. Also, if your statement shows EFT transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may will be liable for the full amount of the loss, if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used your Card or access code without your permission or your card has been lost or stolen, call (000) 000-0000 Or write: True North Federal Credit Union P.O. Box 34157 Juneau, AK 99803 Business Days. Our business days are Monday through Friday. Holidays are not included. Fees and Charges. There are certain charges for the EFT services as set forth on the Fee Schedule. ATM Surcharges. If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction. Foreign Transactions. Purchases made in or with merchants located in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by MasterCard International, Inc. is 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 the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of up to 2% of the transaction amount for any card transaction made in or with merchants located in a foreign countrywire.

Consumer Accounts. For consumer accounts, you are responsible for all transfers you authorize using your EFT services under this Agreement. You are responsible for all transfers you authorize using your EFT services under this Agreement. If you permit other persons to use an EFT service, Card or access code, code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your Account, Card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For MasterCard Check Card purchase transactions, authority or if you notify us of believe that an electronic funds transfer has been made without your lost or stolen card, you will not be liable for any losses provided you were not grossly negligent or fraudulent in handling permission using information from your Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will applycheck. For all other EFT transactions except electronic check and Debit Card transactions, if you tell us of the unauthorized use of your account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or EFT service, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. For Debit card transactions, if you notify us of the loss, theft, or unauthorized use of your Card or other devices which we supply to you, you will not be liable for any unauthorized use for purchases processed through VISA® (VISA zero liability) provided, you promptly notify us and you were not negligent or fraudulent in handling your Card. In order to process an unauthorized claim you must provide us a written statement regarding your unauthorized Card claim. Unauthorized use does not include use of a person you have given your Card to, or use by a person you have given authorization to use your Card. Also, if your statement shows EFT transfers that you did not makemake including those made by Card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed made available to you, you may be liable for the full amount of the loss, following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason time (such as a hospital stayi) kept you from telling us, we will extend for unauthorized Debit Card purchase transactions - up to the time periods. If you believe that someone has used your Card or access code without your permission or your card has been lost or stolen, call (000) 000-0000 Or write: True North Federal Credit Union P.O. Box 34157 Juneau, AK 99803 Business Days. Our business days are Monday through Friday. Holidays are not included. Fees and Charges. There are certain charges for the EFT services as limits set forth on the Fee Schedule. ATM Surcharges. If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized above and (ii) for such a transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction. Foreign Transactions. Purchases made in or with merchants located in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international all other unauthorized EFT transactions as established by MasterCard International, Inc. is 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 the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of - up to 2% the full amount of the transaction amount for any card transaction made in or with merchants located in a foreign countryloss.

Consumer Accounts. You For consumer accounts, you are responsible for all transfers you authorize using your EFT services Electronic Services under this Agreement. If you permit other persons to use an EFT serviceElectronic Service, Card card, or access code, code you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell Tell us at once if you believe anyone has used your Accountaccount, Card card or access code and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For MasterCard Check Card purchase transactions, authority or if you notify us of believe that an electronic funds transfer has been made without your lost or stolen card, you will not be liable for any losses provided you were not grossly negligent or fraudulent in handling permission using information from your Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will applycheck. For all other EFT transactions except electronic check and Debit Card transactions, if you tell us of the unauthorized use of your account within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or EFT service, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. For Debit card transactions, if you notify us of the loss, theft, or unauthorized use of your card or other devices which we supply to you, you will not be liable for any unauthorized use for purchases processed through Visa (Visa zero liability) provided, you promptly notify us and you were not negligent or fraudulent in handling your card. In order to process an unauthorized claim, you must provide us a written statement regarding your unauthorized card claim. Unauthorized use does not include use by a person you have given your card to or use by a person you have given authorization to use your card. Also, if your statement shows EFT transfers that you did not makemake including those made by card, access code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed made available to you, you may be liable for the full amount of the loss, following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason time (such as a hospital stay1) kept you from telling us, we will extend for unauthorized Debit Card purchase transactions - up to the time periods. If you believe that someone has used your Card or access code without your permission or your card has been lost or stolen, call (000) 000-0000 Or write: True North Federal Credit Union P.O. Box 34157 Juneau, AK 99803 Business Days. Our business days are Monday through Friday. Holidays are not included. Fees and Charges. There are certain charges for the EFT services as limits set forth on the Fee Schedule. ATM Surcharges. If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized above and (2) for such a transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction. Foreign Transactions. Purchases made in or with merchants located in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international all other unauthorized EFT transactions as established by MasterCard International, Inc. is 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 the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of - up to 2% the full amount of the transaction amount for any card transaction made in or with merchants located in a foreign countryloss.