Policy Updates

This page informs users in advance of important changes to the PayPal service, its User Agreement, or other policies. This page displays policy updates with future effective dates. Go to “Past Policy Updates” for previous policy updates.

Amendment to the PayPal User Agreement

Effective Date: March 25, 2014

Section 8 of the User Agreement currently states that if you are the sender of a Personal Payment then you generally elect whether you or the recipient of your Personal Payment pays the Fee for such a transaction. This notification advises you that PayPal is updating its user experience and you, as a sender, will no longer be able to choose who pays the Fees for some Personal Payments. Instead, effective as of March 25, 2014, if you send a Personal Payment through the updated user experience, you will not be able to elect that the recipient of your Personal Payment pay any applicable Fees, and you, as sender of a Personal Payment through the updated user experience, will always be required to pay any applicable Fees. In this updated user experience, the Fees will always be disclosed to the sender of a Personal Payment before he or she sends the payment.

Keep in mind, that if you are the recipient of a Personal Payment from a sender who is not using the updated experience, you may have to pay the Fees if the sender elects that the recipient of the Personal Payment pays any applicable Fees. The revised Section 8.1 (b) reads as follows:

8.1 Fees Overview.

Fees are based on whether you are making a Purchase Payment, a Personal Payment or a PayPal Business Payment. Some fees are expressed as a percentage of the payment amount. All Fees are in U.S. Dollars unless otherwise stated.

For Purchase Payments, the recipient of the payment will always pay the Fee.
For Personal Payments, the following applies:
1. The Fee depends on the Payment Method you use.
2. The Fee is paid by either the sender or recipient, not both.
3. The sender of the payment generally determines who pays the Fee at the time the sender makes the payment. If you send a Personal Payment from a third party (non-PayPal) website or by using a third party’s product or service, then the third party will determine if the sender or recipient of the Personal Payment will pay the Personal Payment Fee. This will be disclosed to you by the third party before the Personal Payment is initiated.
  
  However, for senders that have been upgraded to the updated PayPal user experience, there is no longer an option to allow the recipient of a Personal Payment to pay the Fee. A sender of a Personal Payment that has been upgraded to the updated PayPal user experience will always pay the Fee (if a Fee applies). The Fee will be disclosed toyou before the Personal Payment is sent.
  
  Senders of Personal Payments that have not been upgraded to the updated PayPal experience may generally still determine whether the sender or recipient pays the fee. Therefore, if you receive a Personal Payment from a sender that has not been upgraded to the updated PayPal experience, the recipient may pay the Fee, depending on the sender’s determination.
  
  It is free to send a Personal Payment to someone in the United States in U.S. Dollars if you use your bank or Balance as the exclusive Payment Method. If you use a different Payment method to send a Personal Payment, the Fees set out below will apply.
4. Additional Fees apply if you are sending or receiving money to or from a country outside the United States or transacting in a foreign currency.
5. If you use your credit card as the Payment Method for a Personal Payment, you may be charged a cash-advance fee by your credit card company.
6. In some instances, Personal Payment pricing may not be available. In these instances, all payments must be Purchase Payments.
7. Personal Payments may not be available on non-PayPal websites or other applications that offer you the ability to send a payment from your Account.
8. Personal Payments may not be sent to recipients in certain countries.
For PayPal Business Payments, the PayPal Business Payment Fee is paid by the recipient unless it is disclosed to you before you send the payment that you, the sender, must pay this Fee.

Section 8.2 (a) outlining domestic personal payments now reads as follows:

8.2 Domestic Payments in U.S. Dollars. This applies when both the sender and recipient are in the United States and the payment is in U.S. Dollars.

Domestic Personal Payments in U.S. Dollars.

Activity	Payment Method	Personal Payment Fee
Sending or Receiving*	Exclusively Balance or bank account	Free
Sending or Receiving*	Other, including a fully or partially funded payment by credit or debit card, or PayPal Credit.	2.9% + $0.30 USD
*Sender generally determines whether the sender or the recipient pays the Fee. See Section 8.1(b). However, for senders that have been upgraded to the newly updated PayPal user experience, there will no longer be an option to allow the recipient of the Personal Payment to pay the Fee and such sender will always pay the Fee (if a Fee applies).

Section 8.4(a) outlining International Personal Payments fee has been split into Section 8.4(a) and Section 8.4 (b) for clarity. Now, Section 8.4(a) provides fees for sending International Personal Payments from the United States and Section 8.4 (b) provides fees for receiving International Personal Payments in the United States. These sections will now read:

8.4 International Payments. The following Fees apply when either the sender or recipient is outside the United States.

Sending International Personal Payments from the United States. The Fee is based on the country of the recipient.

Activity	Recipient’s Country	Personal Payment Fee when Payment Method is exclusively Balance or bank	Personal Payment Fee when another Payment Method is used to fully or partially fund the payment, including a credit or debit card, or PayPal Credit
Sending*	Australia	1%	3.4% + Fixed Fee**
	Brazil	1%	7.4% + Fixed Fee**
	Canada,	0%	2.9% + Fixed Fee**
	Germany	2%	3.9% + Fixed Fee**
	Japan	0.3%	3.9% + Fixed Fee**
	Poland	1.0%	3.9% + Fixed Fee**
	All countries except as listed above	0.5%	3.9% + Fixed Fee**
* Sender generally determines whether the sender or recipient pays the Fee. See Section 8.1(b). However, for senders that have been upgraded to the newly updated PayPal user experience, there will no longer be an option to allow the recipient of the Personal Payment to pay the Fee and such sender will always pay the Fee. **See Section 8.4(d) below for detailed list of fixed fees for international payments.

Receiving International Personal Payments in the United States.

Activity	Personal Payment Fee when Payment Method is exclusively Balance or bank	Personal Payment Fee when another Payment Method is used to fully or partially fund the payment, including a credit or debit card, or PayPal Credit
Receiving*	1.0%	3.9% + Fixed Fee**
Sender may determine whether the sender or the recipient pays the fee. *See Section 8.4(d) below for detailed list of fixed fees for international payments.

Section 8.4(b) has been renumbered to 8.4(c). The “Activity” column of Section 8.4(c) has been amended to clarify when the fees apply. This section will now read:

International Purchase Payments.

Activity	Purchase Payment Fee
Sending from the United States (buying)	Free*
Receiving in the United States (selling)	Standard rate: Mobile In-Store Payments rate:	3.9% + Fixed Fee* 3.7%**
	Merchant rates:**	Monthly Sales Volume: $0.01 - $3,000.00 $3,000.01 - $10,000.00 $10,000.01 - $100,000.00 Over $100,000.00	Fee: 3.9% + Fixed Fee* 3.5% + Fixed Fee* 3.2% + Fixed Fee* 2.9% + Fixed Fee*
	Nonprofit rates:	Monthly Donation Volume: $0.01 - $100,000.00 Over $100,000.00	Fee: 3.2% + Fixed Fee* 2.9% + Fixed Fee*
* Your financial institution may charge fees directly to the card you use to fund a cross-border payment even where no currency conversion is involved. To qualify for our Merchant rates you must submit a one-time application, have qualifying monthly sales volume, and have an Account in good standing. * See Section 8.4(d) below for detailed list of fixed fees for international payments. **** Nonprofit rates are only available for registered charities with 501(c)(3) status.

Section 8.4(c) has been renumbered to 8.4(d). A row for fixed fee where the recipient in France receives International Personal and Purchase Payments from the United States has been added. This section will now read:

Fixed Fees. The fixed fee that applies is based on the currency of the payment:

Currency	Fee	Currency	Fee
Australian Dollar:	$0.30 AUD	Norwegian Krone:	2.80 NOK
Brazilian Real:	0.60 BRL	Philippine Peso:	15.00 PHP
Canadian Dollar:	$0.30 CAD	Polish Zlotych:	1.35 PLN
Czech Koruna:	10.00 CZK	Russian Ruble*:	10 RUB
Danish Krone:	2.60 DKK	Singapore Dollar:	$0.50 SGD
Euro (France) (Applicable to International Personal and Purchase Payments from US sender to a receiver in France):	€0.25 EUR	Swedish Krona:	3.25 SEK
Euro (Applicable where the currency of the payment is Euro but the receiver is not in France):	€0.35 EUR	Swiss Franc:	0.55 CHF
Hong Kong Dollar:	$2.35 HKD	Taiwan New Dollar:	10.00 TWD
Hungarian Forint:	90 HUF	Thai Baht:	11.00 THB
Israeli Shekel:	1.20 ILS	U.K. Pounds Sterling:	£0.20 GBP
Japanese Yen:	¥40 JPY	U.S. Dollar:	$0.30 USD
Mexican Peso:	$4.00 MXN
New Zealand Dollar:	$0.45 NZD

*Subject to commencement of PayPal’s Russian Ruble service.

Amendment to the PayPal Debit MasterCard® Cardholder Agreement, Amendment to the PayPal Business Debit MasterCard® Cardholder Agreement, and Amendment to the PayPal Debit MasterCard® Student Cardholder Agreement

Effective Date: February 25, 2014

Amendment to the PayPal Debit MasterCard Cardholder Agreement

The Agreement is being amended to create two separate agreements, one that covers the PayPal Debit MasterCard (“Debit Card”), and one that covers PayPal Business Debit MasterCard (“Business Debit Card.”). This Agreement only covers the Debit Card Cardholders.
The Agreement is being amended to clarify our business days. That section will now read:

Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise
Section 1 is being amended to clarify that we may ask for a copy of your driver’s license or other identifying documents. This section will now read:

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
Section 3 is being amended to state that you may also activate your Debit card online by logging into your PayPal Account and following the activate instructions on the card carrier.
Section 5 is being amended to add a new section – Debit Card E-Sign Consent. All subsequent sections have been renumbered. This section will now read:
Customer Consent to receive disclosures or other information electronically

IMPORTANT NOTICE. In order to complete this transaction online, the Issuer must provide you with certain disclosures required by law. The Issuer can provide these disclosures to you online only if you consent.
1. Customer Consent. By selecting “Agree and Continue” you agree to have the PayPal Debit MasterCard Cardholder Agreement, and Privacy Policy presented electronically, which you hereby adopt as your electronic signature, you consent and agree that:
  1. We can provide disclosures required by law and other information about your legal rights and duties to you electronically.
  2. Your electronic signature on agreements and documents has the same effect as if you signed them in ink.
  3. We can send all important communications, billing statements, and disclosures (collectively defined as "Disclosures") to you electronically via our website or to the email address that you have provided to us for that purpose rather than in paper form.
  4. We will alert you when the Disclosures are available, by sending you an electronic communication.
  5. Our email will tell you how you can view the Disclosures.
  6. We will make the Disclosures available to you for not less than 30 days from the later of: the date it first became available to you, or the date we sent you the email to alert you that it was available.
  7. You will be able to print a copy of the Disclosure or download the information for your records.
  8. This consent applies to this transaction, to all future Disclosures on this Account, at any time, and to other Disclosures that we provide to you by email, unless you have, prior to such transaction, withdrawn your consent by the procedure mentioned below.
  The disclosures and information you will receive in this online session are:
  1. This E-Sign Consent
  2. Cardholder Agreement, including Agreement to Arbitrate
  3. Privacy Policy
2. What you will need. You understand that, in order to access and retain the electronic Disclosures, you will need the following:
  1. A computer with an Internet connection.
  2. A current web browser that includes 128-bit encryption. (Minimum recommended browser standards are Microsoft Internet Explorer version 6.0 and above, Firefox version 1.5 and above, or Safari 2.0 and above.) The browser must have cookies enabled.
  3. A valid email address.
  4. Sufficient storage space to save past Disclosures OR an installed printer to print them.
  5. If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add service@paypal.com to your email address book.
3. Requesting paper documents and withdrawing consent. You understand that you may request paper copies of the Disclosures within 180 days of the date of the Disclosure, and that we will provide them to you by mail. We reserve the right to charge you additional fees for paper copies. You understand that you have the right to receive these Disclosures in paper form and that you may withdraw your consent by logging into www.paypal.com and going to "Manage Account". You can also request paper copies and/or withdraw consent by contacting us at:
  
  PayPal, Inc.
  Attn: Error Resolution Department
  P.O. Box 45950
  Omaha, NE 68145
  
  If you fail to provide or if you withdraw your consent to receive Communications electronically, we reserves the right to either deny your application for an Account or close your Account and any sub-account (such as a Student Account).
4. Updating your contact information. It is your responsibility to keep your primary email address up to date so that we can communicate with you electronically. You understand and agree that if we send you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to you.
  
  Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add service@paypal.com to your email address book so that you will be able to receive the Communications we send to you.
  
  You can update your primary email address or street address at any time by logging into the PayPal website. If your email address becomes invalid such that electronic Communications sent to you by PayPal are returned, PayPal may deem your Account to be inactive, and you will not be able to transact any activity using your Debit Card until we receive a valid, working primary email address from you.
5. LEGAL EFFECT. By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you as we are required to do so. When we send you an email alerting you that the Disclosures are available electronically and make it available online, that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically.
  
  GENERAL. You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service or send Disclosures in paper form at any time. You understand and agree that we are responsible for sending notice of the Disclosures to you at the email address you have provided, but are not responsible for any delay or failure in your receipt of the email notices.
The new section 6.a is being amended removing STAR® and PULSE® as ATM machines where the Debit Card may be used. This section also clarifies that you may withdraw money from an ATM in an amount up to your available PayPal balance, subject to your daily limits. It further clarifies that you may also use your PIN at any Point of Sale device, as permissible by a merchant that bears the STAR® or PULSE® Acceptance Mark. This section will now read:
6.a. Purchases and ATM Withdrawals.With your Personal Identification Number (“PIN”), you may use your Debit Card to obtain cash at any Automated Teller Machine (“ATM”) that displays the MasterCard®, Maestro®, or Cirrus® Acceptance Mark for a modest fee as outlined below. If given the option, select "Checking Account" when using an ATM. You may withdraw money from an ATM in an amount up to your available PayPal balance subject to your daily limit. You may also use your PIN at any Point of Sale (“POS”) device, as permissible by a merchant that bears the STAR® or PULSE® Acceptance Mark. Each time you use your Debit Card, you authorize us to reduce the value available in your PayPal Account by the amount of the transaction and any applicable fees.
The new section 6.c is being amended to add at the end of the section language that clarifies that you do not have the right to stop payments, make preauthorized regular payments, and when certain holds may be placed on your funds. This section will now read:

6.c. Authorization Holds. If you use your Debit Card at an automated fuel dispenser (“Pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Debit Card is declined, even though you have sufficient funds available, use your Debit Card to pay for your purchase inside with the cashier. This hold will be released once merchant submits the transaction for settlement. If you use your Debit Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses that may be incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.

When you use your Debit Card to purchase goods or services or to obtain cash from a merchant, the merchant may attempt to obtain preauthorization from us for the transaction. If the merchant makes such a request, we place a hold on your PayPal balance for up to ten (10) days for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant). This hold may affect the availability of funds in your PayPal balance. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, we will debit the actual transaction amount from your PayPal balance, even if this results in your PayPal balance becoming negative because no Backup Funding Source was available. You remain responsible for any negative balances in your Card Account.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
The new section 6.f is being amended to clarify spending limits. This section will now read:
ATM Withdrawal and Spending Limits. Debit Card transactions are subject to a standard daily limit of $400.00 for ATM withdrawals and cash-like withdrawals (e.g. cash advances and money transfers), and a standard $3,000.00 daily limit for purchases. Your actual daily limits may vary (lower or higher) depending on our experience with you. Your daily limits are subject to periodic review and are subject to change based on account history, activity, and other factors. PayPal retains sole discretion to apply and change these limits. You may log-in to your PayPal account to see your specific limits in effect.

The new Section 7 is being amended to clarify when fees apply and that there will be an increase in fees as of March 4, 2014. This section will now read:

All fee amounts will be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Anytime your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount resulting in a zero balance on your Card Account.

US ATM Withdrawal (Debit Card ATM Withdrawal From)	$ 1.00 Per ATM Withdrawal within US (Plus any amounts charged by the ATM owner.)
Signature Withdrawal (Debit Card Cash Advance To)	$ 3.00 Per Signature Withdrawal if a signature is required to obtain cash.
Non-US ATM Transaction-Using an ATM that is not in the US (Debit Card ATM Withdrawal From)	1%; Per withdrawal from a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.
Foreign Transaction Fee (Debit Card Signature Purchase To)	1%; Per purchase from a non-US merchant. This fee will apply even if the transaction does not require a currency conversion.

If you use an ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM owner even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Card.

As of March 4, 2014 the new fees will be as follows:

US ATM Withdrawal (Debit Card ATM Withdrawal From)	$ 1.50 Per ATM Withdrawal within US (Plus any amounts charged by the ATM owner.)
Signature Withdrawal (Debit Card Cash Advance To)	$ 3.00 Per Signature Withdrawal if a signature is required to obtain cash.
Non-US ATM Transaction-Using an ATM that is not in the US (Debit Card ATM Withdrawal From)	$1.50; Per withdrawal from a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.
Foreign Transaction Fee (Debit Card Signature Purchase To)	1%; Per purchase from a non-US merchant or use at a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.

Old section 7, Cash Back Program was removed from this agreement because only Business Debit Cards are eligible for this Program. All subsequent sections have been renumbered.
Section 14 is being amended to clarify when we may disclose your confidential information to third parties about your Debit card and the transactions you make. This section will now read:

14. Confidentiality. See the Privacy Policy for information about confidentiality and disclosure of Card Account information. To read the Privacy Policy go online at www.paypal.com and click the link for legal agreements at the bottom of any page. Notwithstanding the Privacy Policy, we may disclose information to third parties about your Debit Card or the transactions you make:
1. Where it is necessary for completing transactions;
2. In order to verify the existence and condition of your Debit Card for a third party, such as a merchant;
3. In order to comply with government agency, court order, or other legal, regulatory or administrative reporting requirements;
4. If you consent by giving us your written permission;
5. To our employees, auditors, affiliates, service providers, or attorneys as needed; or
6. Otherwise as necessary to fulfill our obligations under this Agreement.
Section 16 is being amended to clarify that if you do not contact us at once if you believe your Debit Card has been lost or stolen, you may lose all of the money in your account. This section will now read:
16. Your Liability for Unauthorized Transfers.
1. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred money or may transfer money from your Card Account without your permission, call us at 866-888-6080 or you could lose all the money in your account. Under MasterCard Rules, your liability for unauthorized MasterCard transactions on your Card Account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.
2. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If your Card has been lost or stolen, we will close your Card Account to keep losses down.
Section 19.1 is being amended to clarify that if your give someone your Debit Card or give them permission to use it, you will be responsible for all transactions conducted by them on your Account even if they conducted more transactions than you authorized. This section will now read:

19.1 Protection for Unauthorized Transactions and Other Errors. When an Unauthorized Transaction or Other Error occurs in your Card Account, including Unauthorized Transactions that occur because your Debit Card has been lost or stolen, we will cover you for the full amount of every eligible Unauthorized Transaction or Other Error as long as you follow the procedures discussed below in the section 19.2.

An “Unauthorized Transaction” is a type of error that occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your Debit Card and PIN, uses the Debit Card to access your Account, and makes a withdrawal from your Account, an Unauthorized Transaction has occurred. If you give someone your Card and give them permission to use it, you will be responsible for all transactions conducted by them on your Account even if they have conducted more transactions than you authorized, unless you notified us that transfers by that person are no longer authorized.

In addition, “Other Errors” occur when money is either incorrectly taken from your Account or incorrectly placed into your Account, or when transactions are incorrectly recorded in your Account. Other Errors that are covered by us are limited to the following events: if you send a payment and it is incorrectly debited from your Account; if an incorrect amount is credited to your Account; if a transaction is missing from or not properly identified in your Account statement; if you receive an incorrect amount of money at an ATM; and if there is a computational or mathematical error by us.

You may request documentation or information regarding your Card Account or transaction to determine whether an Unauthorized Transaction or Other Error exists by contacting us through the Contact Us link at the bottom of each page of the PayPal website.
Section 19.2 is being amended to more clearly articulate your rights regarding notification requirements. The section will now read:
19.2 Notification Requirements. In case of errors or questions about your electronic transactions, call 866-888-6080 or write to Cardholder Services, PayPal Debit Card Department, Attn: Dispute Resolution, P.O. Box 45950, Omaha, NE 68145-0950, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card 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 transactions at any time by calling us at 866-888-6080 or writing us at PayPal Debit Card Department, Attn: Dispute Resolution, P.O. Box 45960, Omaha, NE 68145-0950 You will need to tell us:
1. Your name and Card Account number
2. Why you believe there is an error, and the dollar amount involved
3. Approximately when the error took place.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If you do not have federal payments (for example, Social Security benefits, tax refunds or other government payments) deposited to your Card Account, we may not credit your Card. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card.
For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error.

We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section. If you need more information about our error-resolution procedures, call us at 866-888-6080.

At the end of the Agreement we have added a copy of Bancorp’s Consumer Privacy Notice. This reads:

Rev. 07/2013

*The Bancorp Consumer Privacy Notice*
FACTS:	What Does The Bancorp Do With Your Personal Information?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and income Account balances and transaction history Credit history and credit scores When you are no longer our customer, we continue to share your information, as described in this notice.

How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, whether The Bancorp shares your information, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does The Bancorp share?	Can you limit this sharing?
For our everyday business purposes — Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — To offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes — Information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes — Information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions?

Call us, toll-free, at (866) 888-6080 or (402) 935-2017 (if calling from outside the U.S. or Canada), or visit us at www.paypal.com.

What We Do
How does The Bancorp protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also limit access to information to those employees for whom access is necessary.
How does The Bancorp collect my personal information?	We collect your personal information when, for example, you: open an account or apply for a loan pay your bills or make a wire transfer provide account information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as The Bancorp Bank and Bancorp Card Services Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. The Bancorp does not share your information with nonaffiliates.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. The Bancorp does not jointly market.

Amendment to the PayPal Business Debit MasterCard Cardholder Agreement

The Agreement is being amended to create two separate agreements, one that covers the PayPal Debit MasterCard (“Debit Card”), and one that covers PayPal Business Debit MasterCard (“Business Debit Card.”). This Agreement only covers the Business Debit Card Cardholders.
The Agreement is being amended to clarify our business days. That section will now read:
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.
Section 1 is being amended to clarify that we may ask for a copy of your driver’s license or other identifying documents. This section will now read:

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
Section 3 is being amended to state that you may also activate your Debit card online by logging into your PayPal Account and following the activate instructions on the card carrier.
Section 5 is being amended to add a new section – Debit Card E-Sign Consent. All subsequent sections have been renumbered. This section will now read:
Customer Consent to receive disclosures or other information electronically

IMPORTANT NOTICE. In order to complete this transaction online, the Issuer must provide you with certain disclosures required by law. The Issuer can provide these disclosures to you online only if you consent.
1. Customer Consent. By selecting “Agree and Continue” you agree to have the PayPal Business Debit MasterCard Cardholder Agreement, and Privacy Policy presented electronically, which you hereby adopt as your electronic signature, you consent and agree that:
  1. We can provide disclosures required by law and other information about your legal rights and duties to you electronically.
  2. Your electronic signature on agreements and documents has the same effect as if you signed them in ink.
  3. We can send all important communications, billing statements, and disclosures (collectively defined as "Disclosures") to you electronically via our website or to the email address that you have provided to us for that purpose rather than in paper form.
  4. We will alert you when the Disclosures are available, by sending you an electronic communication.
  5. Our email will tell you how you can view the Disclosures.
  6. We will make the Disclosures available to you for not less than 30 days from the later of: the date it first became available to you, or the date we sent you the email to alert you that it was available.
  7. You will be able to print a copy of the Disclosure or download the information for your records.
  8. This consent applies to this transaction, to all future Disclosures on this Account, at any time, and to other Disclosures that we provide to you by email, unless you have, prior to such transaction, withdrawn your consent by the procedure mentioned below.
  The disclosures and information you will receive in this online session are:
  1. This E-Sign Consent
  2. Cardholder Agreement, including Agreement to Arbitrate
  3. Privacy Policy
2. What you will need. You understand that, in order to access and retain the electronic Disclosures, you will need the following:
  1. A computer with an Internet connection.
  2. A current web browser that includes 128-bit encryption. (Minimum recommended browser standards are Microsoft Internet Explorer version 6.0 and above, Firefox version 1.5 and above, or Safari 2.0 and above.) The browser must have cookies enabled.
  3. A valid email address.
  4. Sufficient storage space to save past Disclosures OR an installed printer to print them.
  5. If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add service@paypal.com to your email address book.
3. Requesting paper documents and withdrawing consent. You understand that you may request paper copies of the Disclosures within 180 days of the date of the Disclosure, and that we will provide them to you by mail. We reserve the right to charge you additional fees for paper copies. You understand that you have the right to receive these Disclosures in paper form and that you may withdraw your consent by logging into www.paypal.com and going to "Manage Account". You can also request paper copies and/or withdraw consent by contacting us at:
  
  PayPal, Inc.
  Attn: Error Resolution Department
  P.O. Box 45950
  Omaha, NE 68145
  
  If you fail to provide or if you withdraw your consent to receive Communications electronically, we reserves the right to either deny your application for an Account or close your Account and any sub-account (such as a Student Account).
4. Updating your contact information. It is your responsibility to keep your primary email address up to date so that we can communicate with you electronically. You understand and agree that if we send you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to you.
  
  Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add service@paypal.com to your email address book so that you will be able to receive the Communications we send to you.
  
  You can update your primary email address or street address at any time by logging into the PayPal website. If your email address becomes invalid such that electronic Communications sent to you by PayPal are returned, PayPal may deem your Account to be inactive, and you will not be able to transact any activity using your Debit Card until we receive a valid, working primary email address from you.
5. LEGAL EFFECT. By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you as we are required to do so. When we send you an email alerting you that the Disclosures are available electronically and make it available online, that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically.
  
  GENERAL. You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service or send Disclosures in paper form at any time. You understand and agree that we are responsible for sending notice of the Disclosures to you at the email address you have provided, but are not responsible for any delay or failure in your receipt of the email notices.
The new section 6.a is being amended removing STAR® and PULSE® as ATM machines where the Business Debit Card may be used. This section also clarifies that you may withdraw money from an ATM in an amount up to your available PayPal balance, subject to your daily limits. It further clarifies that you may also use your PIN at any Point of Sale device, as permissible by a merchant that bears the STAR® or PULSE® Acceptance Mark. This section will now read:
6.a. Purchases and ATM Withdrawals.With your Personal Identification Number (“PIN”), you may use your Debit Card to obtain cash at any Automated Teller Machine (“ATM”) that displays the MasterCard®, Maestro®, or Cirrus® Acceptance Mark for a modest fee as outlined below. If given the option, select "Checking Account" when using an ATM. You may withdraw money from an ATM in an amount up to your available PayPal balance subject to your daily limit. You may also use your PIN at any Point of Sale (“POS”) device, as permissible by a merchant that bears the STAR® or PULSE® Acceptance Mark. Each time you use your Debit Card, you authorize us to reduce the value available in your PayPal Account by the amount of the transaction and any applicable fees.
The new section 6.c is being amended to add at the end of the section language that clarifies that you do not have the right to stop payments, make preauthorized regular payments, and when certain holds may be placed on your funds. This section will now read:

6.c. Authorization Holds. If you use your Debit Card at an automated fuel dispenser (“Pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Debit Card is declined, even though you have sufficient funds available, use your Debit Card to pay for your purchase inside with the cashier. This hold will be released once merchant submits the transaction for settlement. If you use your Debit Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses that may be incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. It may take up to ten (10) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.

When you use your Debit Card to purchase goods or services or to obtain cash from a merchant, the merchant may attempt to obtain preauthorization from us for the transaction. If the merchant makes such a request, we place a hold on your PayPal balance for up to ten (10) days for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant). This hold may affect the availability of funds in your PayPal balance. We will not be responsible if any transactions are not completed because of the hold. If the preauthorization request varies from the amount of the actual transaction, we will debit the actual transaction amount from your PayPal balance, even if this results in your PayPal balance becoming negative because no Backup Funding Source was available. You remain responsible for any negative balances in your Card Account.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
The new section 6.f is being amended to clarify spending limits. This section will now read:
ATM Withdrawal and Spending Limits. Debit Card transactions are subject to a standard daily limit of $400.00 for ATM withdrawals and cash-like withdrawals (e.g. cash advances and money transfers), and a standard $3,000.00 daily limit for purchases. Your actual daily limits may vary (lower or higher) depending on our experience with you. Your daily limits are subject to periodic review and are subject to change based on account history, activity, and other factors. PayPal retains sole discretion to apply and change these limits. You may log-in to your PayPal account to see your specific limits in effect.

The new Section 7 is being amended to clarify when fees apply and that there will be an increase in fees as of March 4, 2014. This section will now read:

US ATM Withdrawal (Debit Card ATM Withdrawal From)	$ 1.00 Per ATM Withdrawal within US (Plus any amounts charged by the ATM owner.)
Signature Withdrawal (Debit Card Cash Advance To)	$ 3.00 Per Signature Withdrawal if a signature is required to obtain cash.
Non-US ATM Transaction-Using an ATM that is not in the US (Debit Card ATM Withdrawal From)	1%; Per withdrawal from a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.
Foreign Transaction Fee (Debit Card Signature Purchase To)	1%; Per purchase from a non-US merchant. This fee will apply even if the transaction does not require a currency conversion.

US ATM Withdrawal (Debit Card ATM Withdrawal From)	$ 1.50 Per ATM Withdrawal within US (Plus any amounts charged by the ATM owner.)
Signature Withdrawal (Debit Card Cash Advance To)	$ 3.00 Per Signature Withdrawal if a signature is required to obtain cash.
Non-US ATM Transaction-Using an ATM that is not in the US (Debit Card ATM Withdrawal From)	$1.50; Per withdrawal from a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.
Foreign Transaction Fee (Debit Card Signature Purchase To)	1%; Per purchase from a non-US merchant or use at a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.

The new section 8 is being amended to clarify which transactions are and which are not eligible for the Cash Back Program. This section will now read:
7. Cash Back Program.
1. Cash Back. The Debit Card provides 1% cash back on the net amount of your eligible monthly purchases. Net amount means all eligible purchases minus reversals for any reason including returns and refunds. It may take up to forty-eight (48) hours after enrollment for you to begin accruing cash back.
2. Eligibility. To be eligible for the cash back program:
  1. You must have a PayPal Premier or PayPal Business Account.
  2. Your Business Debit Card purchase must be an online or signature-based purchase that does not require a PIN (personal identification number). Some merchant locations offer you the option of choosing "Credit" or "ATM/Debit" when making a payment. To qualify for cash back, you must choose the "Credit" option.
    1. Transactions eligible for cash back include: purchases you sign for; purchases from online merchants; and catalog or telephone purchase.
    2. Transactions that are not eligible for cash back include: purchases that require your PIN, and cash withdrawals.
    3. Merchants may process your Debit Card payments as PIN-less debit transactions. If processed in this manner, the transaction will not be eligible for cash back.
  3. Your Debit Card must be in good standing at the time you make an eligible purchase and when PayPal makes the cash back payment.
3. Payout. The cash back will be calculated at the end of each calendar month and added to your PayPal Account Balance.
4. The cash back program is not available for the Consumer Debit Card or the Student Debit Card.
The new section 15 is being amended to clarify when we may disclose your confidential information to third parties about your Debit card and the transactions you make. This section will now read:

15. Confidentiality. See the Privacy Policy for information about confidentiality and disclosure of Card Account information. To read the Privacy Policy go online at www.paypal.com and click the link for legal agreements at the bottom of any page. Notwithstanding the Privacy Policy, we may disclose information to third parties about your Business Debit Card or the transactions you make:
1. Where it is necessary for completing transactions;
2. In order to verify the existence and condition of your Business Debit Card for a third party, such as a merchant;
3. In order to comply with government agency, court order, or other legal, regulatory or administrative reporting requirements;
4. If you consent by giving us your written permission;
5. To our employees, auditors, affiliates, service providers, or attorneys as needed; or
6. Otherwise as necessary to fulfill our obligations under this Agreement.
The new section 17 is being amended to clarify that if you do not contact us at once if you believe your Debit Card has been lost or stolen, you may lose all of the money in your account. This section will now read:
17. Your Liability for Unauthorized Transfers.
1. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred money or may transfer money from your Card Account without your permission, call us at 866-888-6080 or you could lose all the money in your account. Under MasterCard Rules, your liability for unauthorized MasterCard transactions on your Card Account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.
2. Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled “Information About Your Right to Dispute Errors”. If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time. If your Card has been lost or stolen, we will close your Card Account to keep losses down
The new section 20.1 is being amended to clarify that if your give someone your Debit Card or give them permission to use it, you will be responsible for all transactions conducted by them on your Account even if they conducted more transactions than you authorized. This section will now read:

20.1 Protection for Unauthorized Transactions and Other Errors. When an Unauthorized Transaction or Other Error occurs in your Card Account, including Unauthorized Transactions that occur because your Debit Card has been lost or stolen, we will cover you for the full amount of every eligible Unauthorized Transaction or Other Error as long as you follow the procedures discussed below in the section 20.2.

An “Unauthorized Transaction” is a type of error that occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals your Debit Card and PIN, uses the Debit Card to access your Account, and makes a withdrawal from your Account, an Unauthorized Transaction has occurred. If you give someone your Card and give them permission to use it, you will be responsible for all transactions conducted by them on your Account even if they have conducted more transactions than you authorized, unless you notified us that transfers by that person are no longer authorized.

In addition, “Other Errors” occur when money is either incorrectly taken from your Account or incorrectly placed into your Account, or when transactions are incorrectly recorded in your Account. Other Errors that are covered by us are limited to the following events: if you send a payment and it is incorrectly debited from your Account; if an incorrect amount is credited to your Account; if a transaction is missing from or not properly identified in your Account statement; if you receive an incorrect amount of money at an ATM; and if there is a computational or mathematical error by us.

You may request documentation or information regarding your Card Account or transaction to determine whether an Unauthorized Transaction or Other Error exists by contacting us through the Contact Us link at the bottom of each page of the PayPal website.
Section 20.2 is being amended to more clearly articulate your rights regarding notification requirements. The section will now read:
20.2 Notification Requirements. In case of errors or questions about your electronic transactions, call 866-888-6080 or write to Cardholder Services, PayPal Debit Card Department, Attn: Dispute Resolution, P.O. Box 45950, Omaha, NE 68145-0950, if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card 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 transactions at any time by calling us at 866-888-6080 or writing us at PayPal Debit Card Department, Attn: Dispute Resolution, P.O. Box 45960, Omaha, NE 68145-0950 You will need to tell us:
1. Your name and Card Account number
2. Why you believe there is an error, and the dollar amount involved
3. Approximately when the error took place.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If you do not have federal payments (for example, Social Security benefits, tax refunds or other government payments) deposited to your Card Account, we may not credit your Card. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card.

For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error.

We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section. If you need more information about our error-resolution procedures, call us at 866-888-6080.

At the end of the Agreement we have added a copy of Bancorp’s Consumer Privacy Notice. This reads:

Rev. 07/2013

*The Bancorp Consumer Privacy Notice*
FACTS:	What Does The Bancorp Do With Your Personal Information?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and income Account balances and transaction history Credit history and credit scores When you are no longer our customer, we continue to share your information, as described in this notice.

How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, whether The Bancorp shares your information, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does The Bancorp share?	Can you limit this sharing?
For our everyday business purposes — Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — To offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes — Information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes — Information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions?

Call us, toll-free, at (866) 888-6080 or (402) 935-2017 (if calling from outside the U.S. or Canada), or visit us at www.paypal.com.

What We Do
How does The Bancorp protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also limit access to information to those employees for whom access is necessary.
How does The Bancorp collect my personal information?	We collect your personal information when, for example, you: open an account or apply for a loan pay your bills or make a wire transfer provide account information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as The Bancorp Bank and Bancorp Card Services Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. The Bancorp does not share your information with nonaffiliates.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. The Bancorp does not jointly market.

Amendment to the PayPal Debit MasterCard® Student Cardholder Agreement

Section 3 – PayPal Student Card Fees, is being amended to clarify when fees apply and that there will be an increase in fees as of March 4, 2014. This section will now read:

US ATM Withdrawal (Debit Card ATM Withdrawal From)	$ 1.00 Per ATM Withdrawal within US (Plus any amounts charged by the ATM owner.)
Signature Withdrawal (Debit Card Cash Advance To)	$ 3.00 Per Signature Withdrawal if a signature is required to obtain cash.
Non-US ATM Transaction-Using an ATM that is not in the US (Debit Card ATM Withdrawal From)	1%; Per withdrawal from a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.
Foreign Transaction Fee (Debit Card Signature Purchase To)	1%; Per purchase from a non-US merchant. This fee will apply even if the transaction does not require a currency conversion.

As of March 4, 2014 the new fees will be as follows:

US ATM Withdrawal (Debit Card ATM Withdrawal From)	$ 1.50 Per ATM Withdrawal within US (Plus any amounts charged by the ATM owner.)
Signature Withdrawal (Debit Card Cash Advance To)	$ 3.00 Per Signature Withdrawal if a signature is required to obtain cash.
Non-US ATM Transaction-Using an ATM that is not in the US (Debit Card ATM Withdrawal From)	$1.50; Per withdrawal from a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.
Foreign Transaction Fee (Debit Card Signature Purchase To)	1%; Per purchase from a non-US merchant or use at a non-US ATM. This fee will apply even if the transaction does not require a currency conversion.