For Visa Cards: You may use your Card for retail purchases at foreign (outside the United States) merchants and for cash
withdrawals from foreign ATMs that bear either the PLUS System or the Visa logo. Some merchant and ATM transactions, even
if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under the applicable
Visa rules, in which case we will add the “foreign fee” described below to those transactions. We do not control how these
merchants, ATMs and transactions are classified for this purpose. The exchange rate in effect when the transaction is processed
may differ from the rate in effect on the date of the transaction or the date of the posting of the transaction to your Account. If you
use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS System logo), the transaction will be processed
through the Visa system and will be converted into U.S. Dollars according to the applicable rules established by Visa from time
to time. For transactions processed through Visa, the foreign currency transaction will be converted to U.S. Dollars by multiplying
the amount of the foreign currency times (a) a rate selected by Visa from the range of rates available in wholesale currency
markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or (b) the government-
mandated rate in effect for the applicable central processing date. To the converted transaction we will add a “foreign fee” of up
to 3% times the resulting dollar amount. We may assess the “foreign fee” on all foreign transactions, even in transactions that do
not require currency to be converted. If you use your Card at an ATM that bears only the PLUS System logo (and no Visa logo),
the transaction will be processed through the PLUS System and will be converted into U.S. Dollars at the exchange rate
established, from time to time, by the operator of that ATM. To the converted transaction we will add a “foreign fee” of up to 3%
times the resulting dollar amount. If you use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM
operator will determine whether to send your transaction over the Visa or PLUS System network using such network’s respective
currency conversion rules then in effect (as explained above).
For MasterCard Cards: You may use your Card for retail purchases at foreign (outside the United States) merchants and for
cash withdrawals from foreign ATMs that bear either the Cirrus or the MasterCard Acceptance Marks. Some merchant and ATM
transactions, even if you and/or the merchant or ATM are located in the United States, are considered foreign transactions under
the applicable MasterCard rules, in which case we will add the “foreign fee” described below to those transactions. We do not
control how these merchants, ATMs and transactions are classified for this purpose. If you use your card at a merchant or ATM
that bears these Acceptance Marks, MasterCard International Incorporated will convert the transaction into a U.S. Dollar amount
using its currency conversion procedure. The currency conversion rate used by MasterCard International to determine the
transaction amount in U.S. Dollars is generally either a government mandated rate or a wholesale rate determined by
MasterCard International for the processing cycle in which the transaction is processed. To the converted transaction we add a
“foreign fee” of up to 3% times the resulting dollar amount. We may assess the “foreign fee” on all transactions in which the
merchant is located in a country other than the U.S., even in transactions that do not require currency to be converted.
15. Other Terms. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs
of any clearinghouse or other association involved in transactions. Your Card may not be used for any unlawful purpose. You agree
that you will not use your Card for internet-gambling or any transaction that is illegal under applicable law. We do not give up our
rights by delaying or failing to exercise them at any time. If any term of this Agreement is found by a court to be illegal or
unenforceable; all other terms will still be in effect. From time to time, we may monitor telephone calls you make to us or our agents.
16. Contact in the Event of Loss, Theft or Unauthorized Use. If you believe your Card or PIN has been lost or stolen or that
someone has transferred or may transfer money from your Card without your permission, call us toll free, 24 hours a day, 7 days a
week at 877-474-0010 or write to us at Focus Card Services, PO Box 9127, Minneapolis MN 55480. If your Card has been lost or
stolen, we will close your Card to keep losses down.
17. Your Liability for Unauthorized Transactions
A. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or if you believe than an electronic fund transfer
has been made without your permission. Telephoning us is the best way of keeping your possible losses down. You could
lose all the money on your Card. If you tell us within two business days after you learn of the loss or theft of your Card or
PIN, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two
business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from
using your Card without your permission if you had told us, you could lose as much as $500.
B. Also, if your statement or transaction history shows transactions that you did not make, including those made by card, PIN
or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically access
your Account, if the transaction could be viewed in your electronic history, or the date we sent the first statement or
transaction history on which the unauthorized transfer appears, you may not get back any money you lost after the 60
days if we can prove we could have stopped someone from taking the money if you had told us in time.
C. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
18. Your Right to Dispute Errors
A. In case of errors or questions about your Card, call 877-474-0010 or write to Focus Card Services, PO Box 9127, Minneapolis
MN 55480, as soon as you can if you think your statement, transaction history, or receipt is wrong or if you need more
information about a transaction listed on the statement, transaction history or receipt. We must allow you to report an error until
60 days after the earlier of the date you electronically access your Account, if the error could be viewed in your electronic
history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your
transaction at any time by calling us at 877-474-0010 or writing us at Focus Card Services, PO Box 9127, Minneapolis MN
55480.
B. The following information must be contained in that notice:(i) Your name and your U.S. Bank Focus Card number.(ii) The
dollar amount of the suspected error.(iii) The date the transaction occurred.(iv) Describe the error or the transaction you
are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.