Charges Made in a Foreign Currency: If you incur a Charge in a foreign currency, we will convert the Charge into U.S. Dollars at the conversion rate in effect on the day we process the Charge, plus 1% of the converted amount. Amounts converted by common carriers, such as airlines will be billed at the rates the carriers use for conversion, plus 1% of the converted amount.

(Cardmember Agreement "rev. {revised?} 7/98, pr. {printed?} 12/98")