Foreign Currency Transactions

1. All foreign currency transactions (including overseas and online transactions) effected in US Dollars will be converted to Myanmar Kyats on the date of conversion. All foreign currency transactions effected in a foreign currency other than US Dollars will be converted into US Dollars before being converted into Myanmar Kyats (the “converted Myanmar Kyats amount”). The exchange rate may differ from the rate in effect on the date of the transaction due to market fluctuations. Any rate imposed is final and conclusive and you bear all exchange risks, loss, commission, and other bank costs which may be incurred as a result. All conversions will be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely Visa Inc. (“Visa”), MasterCard International (“MasterCard”), UnionPay International ("UPI") and Japan Credit Bureau ("JCB").