Common use of Charges made in Foreign Currencies Clause in Contracts

Charges made in Foreign Currencies. For each Charge submitted to us in a currency other than Australian Dollars (a Foreign Charge), on the day we process the Foreign Charge we will: • convert it to US Dollars first (unless it was submitted to us in US Dollars); • convert the US Dollar amount into Australian Dollars; and • apply a single non-refundable currency conversion fee to the Australian Dollar amount of the Foreign Charge. We use exchange rates from customary industry sources, or a specific rate if required by law. We use the exchange rate from the weekday day prior to the day we process the foreign charge (or two weekdays prior for Foreign Charges processed on 1 January and 25 December). The exchange rate we use may be higher or lower than the exchange rate available on the day you made the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in foreign currency you may have the choice to allow a third party to convert the Charge into Australian Dollars at the point of sale. If you choose this option then that third party will: • determine the exchange rate and any commission or fees payable for the currency conversion; and • submit that Charge to us in Australian Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that any refund of a Foreign Charge may be different to the Foreign Charge amount originally processed on your Account. The difference is generally because: • the refund and the Foreign Charge may be processed on different days with different rates; • we do not apply any currency conversion commission fee to refunds of Foreign Charges; or • where third parties convert Charges in foreign currencies, those third parties may treat refunds differently to the original foreign currency Charge.

Charges made in Foreign Currencies. For each Charge submitted to us in a currency other than Australian New Zealand Dollars (a Foreign Charge), on the day we process the Foreign Charge we will: • convert it to US Dollars first (unless it was submitted to us in US Dollars); • convert the US Dollar amount into Australian New Zealand Dollars; and • apply a single non-refundable currency conversion fee to the Australian New Zealand Dollar amount of the Foreign Charge. We use exchange rates from customary industry sources, or a specific rate if required by law. We use the exchange rate from the weekday day prior to the day we process the foreign charge (or two weekdays prior for Foreign Charges processed on 1 January and 25 December). The exchange rate we use may be higher or lower than the exchange rate available on the day you made the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in foreign currency you may have the choice to allow a third party to convert the Charge into Australian New Zealand Dollars at the point of sale. If you choose this option then that third party will: • determine the exchange rate and any commission or fees payable for the currency conversion; and • submit that Charge to us in Australian New Zealand Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that any refund of a Foreign Charge may be different to the Foreign Charge amount originally processed on your Account. The difference is generally because: • the refund and the Foreign Charge may be processed on different days with different rates; • we do not apply any currency conversion commission fee to refunds of Foreign Charges; or • where third parties convert Charges in foreign currencies, those third parties may treat refunds differently to the original foreign currency Charge.