If overseas ATM cash withdrawals/Point-of-sale debit payment transactions is converted into local currency via dynamic currency conversion (i.e. a service offered at certain ATMs/merchants which allows clients to convert a transaction denominated in a foreign currency to Hong Kong dollars at the point of withdrawal/sale), please note that clients acknowledge that the process of conversion and the exchange rates applied will be determined by the relevant ATM operator/ merchant or dynamic currency conversion service provider, as the case may be and not the Bank. The Bank does not determine whether transactions will be converted into local currency via dynamic currency conversion and, the clients are reminded to Please check with the relevant ATM operator/merchant whether such conversion was effected and the relevant foreign currency exchange rates/handling fee applicable before the transactions are entered into. Settling foreign currency transactions in Hong Kong dollars may involve a cost higher than the foreign currency transaction handling fee. In addition, the transaction will be subject to the following charges based on the converted amount in local currency: