OSI = Out of Station Interchange. At a number of Tube, DLR, London Overground and National Rail stations which lie in close proximity, or where interchange requires passengers to pass through ticket barriers, an Out of Station Interchange (OSI) is permitted. In such cases, the card holder touch out at one station and then touch in again before starting the next leg of the journey. The PAYG fares are then combined and charged as a single journey. E.g. At Balham (National Rail) and Balham (London Underground), a maximum permitted interchange time of 20 minutes is allowed.