Common use of IN FOREIGN CURRENCIES Clause in Contracts

IN FOREIGN CURRENCIES. If you make a transaction in a foreign currency, the transaction will be converted by the Network, into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. The Network may change the procedures, from time to time, at its own discretion. HOW WE APPLY PAYMENTS When you make a payment, we generally apply it to the balance on your monthly statement with the highest APR first. We apply payments to balances appearing on your monthly billing statement before being applied to new transactions. An example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown on your statement. If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new purchases. GETTING ADDITIONAL CARDS You may: • request additional Cards for others; and/or • permit others to use your Card or Account Number. You are responsible for all charges made on additional Account Cards or by authorized users. To revoke another person’s permission to use your Account, you must: • notify us; and • retrieve and destroy any Cards, checks or other Account access devices from that person. • We may provide information about this account to credit reporting agencies for both the Primary Cardmember and Authorized Users, if any. UPDATING YOUR RECORDS You agree:

IN FOREIGN CURRENCIES. If you make a transaction in a foreign currency, the transaction will be converted by the Network, into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. The Network may change the procedures, from time to time, at its own discretion. HOW WE APPLY PAYMENTS When you make a payment, we generally apply it to the balance on your monthly statement with the highest APR first. We apply payments to balances appearing on your monthly billing statement before being applied to new transactions. An example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown on your statement. If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new purchases. GETTING ADDITIONAL CARDS You may: • request additional Cards for others; and/or • permit others to use your Card or Account Number. You are responsible for all charges made on additional Account Cards or by authorized users. To revoke another person’s permission to use your Account, you must: • notify us; and • retrieve and destroy any Cards, checks or other Account access devices from that person. • We may provide information about this account to credit reporting agencies for both the Primary Cardmember and Authorized Users, if any. any • UPDATING YOUR RECORDS You agree:

IN FOREIGN CURRENCIES. If you make a transaction in a foreign currency, the transaction will be converted by the Network, into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. The Network may change the procedures, from time to time, at its own discretion. HOW WE APPLY PAYMENTS When you make a payment, we generally apply it to the balance on your monthly statement with the highest APR first. We apply payments to balances appearing on your monthly billing statement before being applied to new transactions. An example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown on your statement. If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new purchases. GETTING ADDITIONAL CARDS You may: • request additional Cards for others; and/or • permit others to use your Card or Account Number. You are responsible for all charges made on additional Account Cards or by authorized users. To revoke another person’s permission to use your Account, you must: • notify us; and • retrieve and destroy any Cards, checks or other Account access devices from that person. • “We may provide information about this account to credit reporting agencies for both the Primary Cardmember and Authorized Users, if any. .” UPDATING YOUR RECORDS You agree:

IN FOREIGN CURRENCIES. If you make a transaction in a foreign currency, the transaction will be converted by the Network, into a U.S. dollar amount in accordance with its operating regulations or conversion procedures in effect at the time the transaction is processed. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction or posting date. The Network may change the procedures, from time to time, at its own discretion. HOW WE APPLY PAYMENTS When you make a payment, we generally apply it to the balance on your monthly statement with the highest APR first. We apply payments to balances appearing on your monthly billing statement before being applied to new transactions. An example of a new transaction is a recent purchase or cash advance that has not yet been included in the New Balance as shown on your statement. If you do not pay your non-promotional balance in full each month, you may not be able to avoid interest charges on new purchases. GETTING ADDITIONAL CARDS You may: •  request additional Cards for others; and/or •  permit others to use your Card or Account Number. You are responsible for all charges made on additional Account Cards or by authorized users. To revoke another person’s permission to use your Account, you must: •  notify us; and • retrieve and destroy any Cards, checks or other Account access devices from that person. •  We may provide information about this account to credit reporting agencies for both the Primary Cardmember and Authorized Users, if any. UPDATING YOUR RECORDS You agree: