The Cardholder agrees and accepts that any expenses incurred from spending via credit (including, but not limited to, cash advance) in any foreign currency shall be charged to the Cardholder in Thai Baht at the exchange rates being charged to the Bank by the relevant credit card company as of the date on which such amount is charged to the Bank.
If the transaction amount is not in US Dollar currency, such amount shall be converted into US Dollars before converting into Thai Baht.
The Cardholder can check the exchange rates for preliminary reference at:
For VISA:
http://corporate.visa.com/pd/consumer_services/consumer_ex_rates.jsp
For MasterCard:
http://www.mastercard.com/us/personal/en/cardholderservices/currencyconversion/index.html
In addition, the Cardholder agrees and accepts that the hedging premium at the rate not exceeding 2.5% of the spending amount shall be charged by the Bank to protect against risk incurred from such currency conversion.