If a User uses their Card or Payment Device outside Australia, all charges, purchases and/or cash advances in foreign currency are converted, before they are listed on your Card Account statement, from foreign currency to Australian currency as follows: Mastercard® foreign currency transactions are converted from foreign currency into United States dollars and then converted into Australian dollars by Mastercard International Incorporated at a wholesale exchange rate selected by Mastercard International Incorporated on the processing date, which may differ from the rate applicable to the date the transaction occurred and that applicable to the date the transaction was posted. For all transactions effected by a foreign currency or transactions occurring outside Australia (whether effected in foreign currency or Australian dollars) or while you are in Australia (for example, online) where the merchant or the financial institution or entity processing the transaction, is located overseas, we will charge the Foreign Transaction Fee as described in the Financial Table of the Credit Card Schedule.