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Your Visa debit card allows you to conduct transactions on the CO‐OP, PULSE, STAR and PLUS networks. 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 transactions. For instance, a non‐Visa debit transaction will not provide Visa’s Zero Liability Protection benefit.