Notice Regarding Your Visa Debit Card

Your VISA® debit card (“Card”) may be used to conduct transactions on the VISA® network (“VISA®
Transactions”) and on the NYCE® network (“PIN Debit Network Transactions”).
When your Card and its PIN are used together in a transaction, the transaction will be a PIN
Debit Network Transaction. We have also authorized use of the Card without using a PIN.
When your Card is used without a PIN, the transaction may be a PIN Debit Network Transaction
or it may be a VISA® Transaction.
 
When your Card is used without its PIN, whether the transaction is a VISA® Transaction or a PIN
Debit Network Transaction is determined based on choices made during the transaction or the
choices the merchant makes in processing the transaction.
 
For example, a Card transaction will be a VISA® Transaction if a receipt is signed. Likewise, if the
merchant provides a choice as to whether a transaction is a “credit” transaction or a “debit”
transaction, and “credit” is selected and no PIN is provided, the transaction is a VISA®
Transaction. If a merchant processes Card transactions without obtaining a PIN and does not
provide a choice as to whether to process the transaction as a credit or debit transaction or any
other options regarding the network to be used for processing the transaction, the transaction
may be processed as a VISA® Transaction or as a PIN Debit Network Transaction depending upon
the merchant and the merchant’s choices.
 
If a transaction is a PIN Debit Network Transaction and is not a VISA® Transaction, the provisions
in the Agreement and Disclosure for Electronic Funds Transfers and Business Debit Card
Agreement addressing VISA® Transactions will not apply to the transaction.

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