Non-Visa PIN-less Notice

ANNUAL NOTICE REGARDING NON-VISA PIN-LESS DEBIT TRANSACTIONS

Your Visa debit card allows you to conduct transactions on the Pulse debit network, which will generally require you to enter your PIN. Some merchants are authorized to accept Non-Visa debit transactions without requiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to Non-Visa debit transactions.