Important Information Regarding your Visa-Branded Debit Card

Non - Visa Debit Transaction Processing.

We have enabled non - Visa debit transaction processing. This means you may use your Visa -Branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN.

The Non-Visa debit network(s) for which such transactions are enabled are: STAR and ACCEL/Exchange Networks.

Examples of the types of actions that you may be required to make to initiate a Visa transaction of your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or Kiosk locations), responding to a logo displayed at a payment site and choose to direct payment through that network, and have your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits of liability (sometimes referred to as Visa zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions recessed on a PIN-Debit Network.

 * Visa Rules generally defined PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.