For UnionPay Dual Currency Card and UnionPay Dual Currency Diamond Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank.
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