Transactions Made Outside of the United States. If you obtain funds or make a purchase in a currency other than the currency in which your Account was issued, the amount deducted from your funds will be converted by the Card Network into an amount in the currency of your Account. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the Card Network from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the Card Network itself receives or the government- mandated rate in effect for the applicable central processing date. The Card Network (independently of us) may assess a fee for currency conversion based upon the amount of the transaction in the currency of your Account and will retain this amount as compensation for its services. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Account. If you obtain your funds or make a purchase in a currency other than the currency in which your Account was issued, you will be assessed an International Transaction Fee equal to a percentage of the transaction amount, but no less than one cent ($0.01), by us. For specific fee information including the percentage assessed, see the Fee Schedule attached to this Agreement. Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. For security reasons, we may limit or deny use of your Account or Card in certain foreign countries. Some foreign merchants may allow you to complete your transaction in U.S. Dollars rather than the applicable foreign currency. Oftentimes, the merchant will assess a fee for such a service. You should inquire with the merchant before conducting the transaction, as we do not control the amount of such fee.
