Common use of Foreign Currency Transactions Clause in Contracts

Foreign Currency Transactions. 14.1. If youuseyour Card fora transaction in a foreigncurrency,the foreigncurrency will be converted to Canadian Dollars before the transaction is recorded on your account.Transactions made in any currency other than U.S. Dollars will be converted first to U.S. Dollars and then to Canadian Dollars. 14.2. We willcharge you for thetransaction in Canadian Dollars at the exchangerate(s) established by Mastercard International in effect on the date that we postthe transaction to your account (which may not be the same date as the date of the transaction) plus the Foreign Currency Conversion Fee shown in the Disclosure Statement. 14.3. Credits to youraccount in U.S.Dollars willbe converteddirectly to CanadianDollars. Credits in otherforeign currencieswill be convertedfirst to U.S.Dollars and then to Canadian Dollars. The exchange rate that applies to amounts charged to your account (“debits”) may be different than theexchange rate thatapplies to amounts credited to your account(“credits”), as the exchange rates established by MastercardInternationalaredifferent fordebitsandcredits and aresubject to change from time to time.This means that if you make a purchase in a foreign currency (a debit) and then return the purchase and the merchant credits your account (a credit),the Canadian Dollar amount debited to youraccountforthepurchase may be different (andcould be higher)thanthe Canadian Dollaramountcredited to youraccountfor the refund. 14.4. We will also charge you the Foreign Currency Conversion Fee for each foreign currency transaction as set out in the Disclosure Statement.

Foreign Currency Transactions. 14.1. If youuseyour Card fora transaction in a foreigncurrency,the foreigncurrency will be converted to Canadian Dollars before the transaction is recorded on your account.Transactions made in any currency other than U.S. Dollars will be converted first to U.S. Dollars and then to Canadian Dollars. 14.2. We willcharge you for thetransaction in Canadian Dollars at the exchangerate(s) established by Mastercard International in effect on the date that we postthe transaction to your account (which may not be the same date as the date of the transaction) plus the Foreign Currency Conversion Fee shown in the Disclosure Statement. 14.3. Credits to youraccount in U.S.Dollars willbe converteddirectly to CanadianDollars. Credits in otherforeign currencieswill otherforeigncurrencies will be convertedfirst to U.S.Dollars and then U.S.Dollarsandthen to Canadian Dollars. The exchange rate that applies to amounts charged to your account (“debits”) may be different than theexchange rate thatapplies to amounts credited to your account(“credits”), as the exchange rates established by MastercardInternationalaredifferent fordebitsandcredits Mastercard Internationalaredifferentfordebits and credits and aresubject to change from changefrom time to time.This means that if you make a purchase in a foreign currency (a debit) and then return the purchase and the merchant credits your account (a credit),the credit), the Canadian Dollar amount debited Dollaramountdebited to youraccountforthepurchase your account forthepurchase may be different (andcould be higher)thanthe Canadian Dollaramountcredited to youraccountfor the refund. 14.4. We will also charge you the Foreign Currency Conversion Fee for each foreign currency transaction as set out in the Disclosure Statement.

Foreign Currency Transactions. 14.1. If youuseyour Card fora transaction in a foreigncurrency,the foreigncurrency will be converted to Canadian Dollars before the transaction is recorded on your account.Transactions made in any currency other than U.S. Dollars will be converted first to U.S. Dollars and then to Canadian Dollars. 14.2. We willcharge you for thetransaction in Canadian Dollars at the exchangerate(s) established by Mastercard International in effect on the date that we postthe transaction trans- action to your account (which may not be the same date as the date of the transaction) plus the Foreign Currency Conversion Fee shown in the Disclosure Statement. 14.3. Credits to youraccount in U.S.Dollars willbe converteddirectly to CanadianDollars. Credits in otherforeign currencieswill be convertedfirst to U.S.Dollars and then to Canadian Dollars. The exchange rate that applies to amounts charged to your account (“debits”) may be different than theexchange rate thatapplies to amounts credited to your account(“credits”), as the exchange rates established by MastercardInternationalaredifferent Master- cardInternationalaredifferent fordebitsandcredits and aresubject to change from time to time.This means that if you make a purchase in a foreign currency (a debit) and then return the purchase and the merchant credits your account (a credit),the Canadian Dollar amount debited to youraccountforthepurchase may be different (andcould be higher)thanthe Canadian Dollaramountcredited to youraccountfor the refund. 14.4. We will also charge you the Foreign Currency Conversion Fee for each foreign currency transaction as set out in the Disclosure Statement.

Foreign Currency Transactions. 14.1. If youuseyour you use your Card fora for a transaction in a foreigncurrency,foreign currency, the foreigncurrency foreign currency will be converted to Canadian Dollars before the transaction is recorded on your account.Account. Transactions made in any currency other than U.S. Dollars will be converted first to U.S. Dollars and then to Canadian Dollars. 14.212.1. We willcharge will charge you for thetransaction the transaction in Canadian Dollars at the exchangerate(sexchange rate(s) established by Mastercard International in effect on the date that we postthe post the transaction to your account Account (which may not be the same date as the date of the transaction) plus the Foreign Currency Conversion Fee shown in the Disclosure Statement. 14.312.2. Credits to youraccount your Account in U.S.Dollars willbe converteddirectly U.S. Dollars will be converted directly to CanadianDollarsCanadian Dollars. Credits in otherforeign currencieswill other foreign currencies will be convertedfirst converted first to U.S.Dollars U.S. Dollars and then to Canadian Dollars. The exchange rate that applies to amounts charged to your account Account (“debits”) may be different than theexchange the exchange rate thatapplies that applies to amounts credited to your account(“creditsAccount (“credits”), as the exchange rates established by MastercardInternationalaredifferent fordebitsandcredits Mastercard International are different for debits and aresubject credits and are subject to change from time to time.. This means that if you make a purchase in a foreign currency (a debit) and then return the purchase and the merchant credits your account Account (a credit),the credit), the Canadian Dollar amount debited to youraccountforthepurchase your Account for the purchase may be different (andcould be higher)thanthe Canadian Dollaramountcredited to youraccountfor the refund.and could 14.412.3. We will also charge you the Foreign Currency Conversion Fee for each foreign currency transaction (including any refunds related to such transactions) as set out in the Disclosure Statement.

Foreign Currency Transactions. 14.1. If youuseyour you use your Card fora for a transaction in a foreigncurrency,foreign currency, the foreigncurrency foreign currency will be converted to Canadian Dollars before the transaction is recorded on your account.Account. Transactions made in any currency other than U.S. Dollars will be converted first to U.S. Dollars and then to Canadian Dollars. 14.212.1. We willcharge will charge you for thetransaction the transaction in Canadian Dollars at the exchangerate(sexchange rate(s) established by Mastercard International in effect on the date that we postthe post the transaction to your account Account (which may not be the same date as the date of the transaction) plus the Foreign Currency Conversion Fee shown in the Disclosure Statement. 14.312.2. Credits to youraccount your Account in U.S.Dollars willbe converteddirectly U.S. Dollars will be converted directly to CanadianDollarsCanadian Dollars. Credits in otherforeign currencieswill other foreign currencies will be convertedfirst converted first to U.S.Dollars U.S. Dollars and then to Canadian Dollars. The exchange rate that applies to amounts charged to your account Account (“debits”) may be different than theexchange the exchange rate thatapplies that applies to amounts credited to your account(“creditsAccount (“credits”), as the exchange rates established by MastercardInternationalaredifferent fordebitsandcredits Mastercard International are different for debits and aresubject credits and are subject to change from time to time.. This means that if you make a purchase in a foreign currency (a debit) and then return the purchase and the merchant credits your account Account (a credit),the credit), the Canadian Dollar amount debited to youraccountforthepurchase your Account for the purchase may be different (andcould and could be higher)thanthe higher) than the Canadian Dollaramountcredited Dollar amount credited to youraccountfor your Account for the refund. 14.412.3. We will also charge you the Foreign Currency Conversion Fee for each foreign currency transaction (including any refunds related to such transactions) as set out in the Disclosure Statement.

Foreign Currency Transactions. 14.1. If youuseyour you use your Card fora for a transaction in a foreigncurrency,foreign currency, the foreigncurrency foreign currency will be converted to Canadian Dollars before the transaction is recorded on your account.Account. Transactions made in any currency other than U.S. Dollars will be converted first to U.S. Dollars and then to Canadian Dollars. 14.2. We willcharge will charge you for thetransaction the transaction in Canadian Dollars at the exchangerate(s) exchange rate established by Mastercard MasterCard International in effect on the date that we postthe post the transaction to your account Account (which may not be the same date as the date of the transaction) plus the Foreign Currency Conversion Fee fixed percentage shown in the Disclosure Statement. 14.3. Credits to youraccount your Account in U.S.Dollars willbe converteddirectly U.S. Dollars will be converted directly to CanadianDollarsCanadian Dollars. Credits in otherforeign currencieswill other foreign currencies will be convertedfirst converted first to U.S.Dollars U.S. Dollars and then to Canadian Dollars. The exchange rate that applies to amounts charged to your account Account (“debits”) may be different than theexchange the exchange rate thatapplies that applies to amounts credited to your account(“creditsAccount (“credits”), as the exchange rates established by MastercardInternationalaredifferent fordebitsandcredits MasterCard International are different for debits and aresubject credits and such rates are subject to change from time to time.. This means that if you make a purchase in a foreign currency (a debit) and then return the purchase and the merchant credits your account Account (a credit),the credit), the Canadian Dollar amount debited to youraccountforthepurchase your Account for the purchase may be different (andcould and could be higher)thanthe higher) than the Canadian Dollaramountcredited Dollar amount credited to youraccountfor your Account for the refund. 14.4. We will also charge you the Foreign Currency Conversion Fee for each foreign currency transaction as set out in the Disclosure Statement.