Change to Currency Conversion and

International Transactions

Effective Date:May 4, 2008

The fee charged for using your Visa®-branded debit card (check card) in an international transaction has changed. Your continued use of the Card after the effective date listed above acknowledges acceptance of these amended terms. The Currency Conversion section in the

agreement between you and us is amended to read as follows:

Visa charges an .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this

international transaction fee on to you. An international transaction is a transaction

where the country of the merchant is outside the USA.

Understanding Our Relationship Disclosure Booklet 2007

   Table of Contents
       Privacy
       Terms & Conditions of Your Account
       Notice of Negative Information
       Electronic Funds Transfer
       Funds Availability Disclosure
       Substitute Checks and Your Rights
       Truth-In-Savings Disclosure