Complete Designated Mission and Everyone Gets a Reward! You Have A Chance To Win Up To 3,880,000 Fubon Credit Card Points!

Complete Designated Mission and Everyone Gets a Reward! You Have A Chance To Win Up To 3,880,000 Fubon Credit Card Points!Fubon+ Reward Carnival – Let’s explore Fubon+ and win amazing prizes together! From now until 16 March 2026, simply complete designated missions via Fubon+ to receive a 1-year home insurance plan and you could win up to 3,880,000 Fubon Credit Card Bonus Points (worth at least HKD 15,520). That's enough to exchange for a flight ticket and even for your travel expenses!

The Activities and Rewards

The Fubon+ Rewards Carnival consists of three parts:

The Ultimate Luck

“The Ultimate Luck” promotion period will be divided into 3 phases. Log in to Fubon+ once during each phase and complete at least one designated mission to automatically receive a corresponding entry to participate in the draw for that phase¹.

	Phase Period
Phase 1	3 February 2026 to 16 February 2026
Phase 2	17 February 2026 to 2 March 2026
Phase 3	3 March 2026 to 16 March 2026

Phase 1	Designated Missions2	No. of Lucky Draw Entry	Max. No. of Lucky Draw Entry
Mission 1	Register Mobile Security Key Service	1	1
Mission 2	Set / Maintain Fubon Bank as FPS default receiving bank of mobile number	5	5
Mission 3	Complete a foreign exchange for the first time (have never exchanged foreign currency via Fubon+ successfully prior to the phase period of this phase)	5	5
	Complete a foreign exchange (Non-first time)	1	10
Mission 4	Accumulate for every HKD 1,000 in retail transaction with Fubon Credit Card	1	10

4 winners will be drawn in Phase 1. Each winner will receive 3,800,000 Fubon Credit Card Bonus Points reward.

Phase 2	Designated Missions2	No. of Lucky Draw Entry	Max. No. of Lucky Draw Entry
Special Mission	Send  a LaiSee to a mobile number3	1	28
Mission 1	Open an additional bank account	1	1
Mission 2	Grant consent to at least one local bank account via U Account	1	5
Mission 3	Complete a foreign exchange for the first time (have never exchanged foreign currency via Fubon+ successfully prior to the phase period of this phase)	5	5
	Complete a foreign exchange (Non-first time)	1	10
Mission 4	Accumulate for every HKD 1,000 in retail transaction with Fubon Credit Card	1	10

4 winners will be drawn in Phase 2. Each winner will receive 3,800,000 Fubon Credit Card Bonus Points reward.

Phase 3	Designated Missions2	No. of Lucky Draw Entry	Max. No. of Lucky Draw Entry
Mission 1	Pay merchant bills via the Bill Payment function	1	1
Mission 2	Complete cardless cash withdrawal transaction	1	5
Mission 3	Complete a foreign exchange for the first time (have never exchanged foreign currency via Fubon+ successfully prior to the phase period of this phase)	5	5
	Complete a foreign exchange (Non-first time)	1	10
Mission 4	Accumulate for every HKD 1,000 in retail transaction with Fubon Credit Card	1	10

4 winners will be drawn in Phase 3. Each winner will receive 3,800,000 Fubon Credit Card Bonus Points reward.

Instant Rewards

During the promotion period, i.) Subscribe to an investment fund via Fubon+; or ii.) Participate and complete a Foreign Currency Time Deposit Promotion via Fubon+; or iii.) Complete Foreign Exchange transactions via Fubon+ with an accumulated exchange amount of HKD 20,000 or equivalent to receive a 1-year “MyHome Protection” home insurance plan and 10 “Big Bang Lucky Draw” entries.

Big Bang Lucky Draw

Customers who did not win in any phase of “The Ultimate Luck” may carry forward all lucky draw entries accumulated from all phases of “The Ultimate Luck” to the Big Bang Lucky Draw.  

Customers who have participated in the Instant Rewards may use the lucky draw entries earned from the Instant Rewards to participate in the Big Bang Lucky Draw.  

The Big Bang Lucky Draw will select 800 winners, and each winner will receive 80,000 Fubon Credit Card Bonus Points.

Activity Examples
Example 1 (Mr. Fu)

The Ultimate Luck:

Participation	Lucky Draw Entries Received	Lucky Draw Results	Rewards Received
Participated in all three phases (Accumulate HK$5,000 in eligible retail transactions in each phase separately.)	5 lucky draw entries per phase	Phase 1: Did not win a prize Phase 2: Win a prize Phase 3: No Lucky draw entry (as won in Phase 2)	3,800,000 Fubon Credit Card Bonus Points

Instant Rewards and Big Bang Lucky Draw:

Instant Rewards	Big Bang Lucky Draw Entries	Big Bang Lucky Draw Result	Rewards Received
Completed an investment fund subscription via Fubon+	10 entries	Did not win a prize	1-year “MyHome Protection” home insurance plan (Instant reward)

Example 2 (Miss Bon)

The Ultimate Luck:

Participation	Lucky Draw Entries Received	Lucky Draw Results	Rewards Received
Participated in all three phases (Accumulate HK$5,000 in eligible retail transactions in each phase separately)	5 lucky draw entries per phase	Phase 1: Did not win a prize Phase 2: Did not win a prize Phase 3: Did not win a prize	No reward

Instant Rewards and Big Bang Lucky Draw:

Instant Rewards	Big Bang Lucky Draw Entries	Big Bang Lucky Draw Result	Rewards Received
Completed an investment fund subscription via Fubon+	25 entries (15 entries from The Ultimate Luck: [as there was no win in The Ultimate Luck:] + 10 entries from Instant Rewards)	Win a prize	1-year “MyHome Protection” home insurance plan (Instant reward) 80,000 Fubon Credit Card Bonus Points (Big Bang Lucky Draw reward)
OR
Did not participate	15 entries (From The Ultimate Luck: [as there was no win in The Ultimate Luck])

To borrow or not to borrow? Borrow only if you can repay!

Notes:

1. Each customer can receive one lucky draw prize only under The Ultimate Luck. (Example: A customer who has already won a prize in Phase 1 will not be eligible to win a prize again in Phase 2 or 3.)
2. Refer to the terms and conditions for detailed missions and related requirements.
3. If the mobile number of the LaiSee's recipient is registered for the FPS addressing service with the Bank, the LaiSee will be sent to the registered Fubon bank account of the recipient.

Terms and Conditions for “Fubon+ Rewards Carnival” Campaign:

1. The "Fubon+ Rewards Carnival" Campaign ("Promotion") is launched by Fubon Bank (Hong Kong) Limited ("the Bank") and runs from 3 February 2026 to 16 March 2026, both dates inclusive ("Promotion Period").
2. This Promotion is exclusive to individual customers of the Bank with an Internet Banking account during the Promotion Period (“Eligible Customer(s)”).
3. Joint-named account customers and corporate account customers of the Bank are not eligible for this Promotion.
4. This Promotion consists of three parts:
   
   • Activity One (The Ultimate Luck): The Promotion Period will be divided into three phases. Eligible Customers who log in to the Fubon Bank mobile banking app (“Fubon+”) once during each phase and complete at least one designated mission during that phase will automatically receive a corresponding entry to participate in the draw for that phase. The periods for each phase are as follows:

     	Phase Period
     Phase 1	3 February 2026 to 16 February 2026
     Phase 2	17 February 2026 to 2 March 2026
     Phase 3	3 March 2026 to 16 March 2026

   • Activity Two (Instant Rewards): Eligible Customers may complete an Instant Rewards Mission via Fubon+ at any time during the entire Promotion Period to receive an instant reward and 10 entries into the “Big Bang Lucky Draw”.
   • Activity Three (Big Bang Lucky Draw): Eligible Customers who participated in Activity One but did not win any prize during any phase of Activity One, all the draw entries earned across all phases of Activity One will be accumulated into the “Big Bang Lucky Draw”. Eligible Customers who participated in Activity Two may use the draw entries received through Activity Two to participate in the “Big Bang Lucky Draw”.

Activity One (The Ultimate Luck)

5. The designated missions, related requirements, lucky draw entries, and the maximum number of lucky draw entries for each phase are as follows:
   Phase 1
   
   • Eligible Customers who log in to Fubon+ once and complete any one of the designated missions during the period from 3 February 2026 to 16 February 2026 will receive the corresponding lucky draw entries. 4 winners will be drawn in Phase 1. Each winner will receive 3,800,000 Fubon Credit Card Bonus Points. The designated missions for Phase 1, related requirements, no. of lucky draw entries, and maximum no. of lucky draw entries are as follows:

     	Designated Missions and Related Requirements	No. of Lucky Draw Entry	Max. No. of Lucky Draw Entry
     Mission 1	Designated Mission: During the phase period, register for the Mobile Security Key Service via Fubon+. Related Requirements: Only applicable to customers who have not registered for the Mobile Security Key prior to the phase period of this phase.	1	1
     Mission 2	Designated Mission: During the phase period, set / maintain Fubon Bank as HKD and/or RMB default receiving bank of mobile number using FPS Addressing Service. Related Requirements: Maintain this FPS setting at least until the end of the Promotion Period of this Promotion.	5	5
     Mission 3	Designated Mission: During the phase period, complete a Foreign Exchange transaction via Fubon+ for the first time. Related Requirements: Only applicable to customers who have never exchanged foreign currency via Fubon+ successfully prior to the phase period of this phase.	5	5
     	Designated Mission: During the phase period, complete a Foreign Exchange transaction via Fubon+. Related Requirements: Except for the first Foreign Exchange transaction completed through Fubon+.	1	10
     Mission 4	Designated Mission: During the phase period, accumulate for every HKD 1,000 in eligible retail transaction using the principal and/or supplementary Fubon Credit Card. Related Requirements: Other transactions including but not limited to tax payments, online bill payments, balance transfers, instalment payments, administration fee, financial charges, annual fees, autopay transactions, Octopus Automatic Add Value Service (AAVS) reload transactions and casino and gambling transactions will not be counted as the spending requirement for this Promotion. Only eligible retail transactions posted during this phase period will be counted. The Bank reserves the right to make the final decision on whether a transaction qualifies as an eligible transaction. Any transactions that have been cancelled or refunded will not be considered as valid eligible retail transactions under this phase period.	1	10

      

   Phase 2
   
   • Eligible Customers who log in to Fubon+ once and complete any one of the designated missions during the period from 17 February 2026 to 2 March 2026 will receive the corresponding lucky draw entries. 4 winners will be drawn in Phase 2. Each winner will receive 3,800,000 Fubon Credit Card Bonus Points. The designated missions for Phase 2, related requirements, no. of lucky draw entries, and maximum no. of lucky draw entries are as follows:

     	Designated Missions and Related Requirements	No. of Lucky Draw Entry	Max. No. of Lucky Draw Entry
     Special Mission	Designated Mission: During the phase period, send a LaiSee to a mobile number via Fubon+. Related Requirements: Repeated LaiSee sent to the same mobile number shall be counted as one lucky draw entry. Sending LaiSee to the Eligible Customers’ Fubon self-named account will not be counted.	1	28
     Mission 1	Designated Mission: During the phase period, open an additional bank account via Fubon+ (only applicable for opening Statement Savings Accounts or Multi‑Currency Savings Accounts). Related Requirements: The status of the newly opened account must remain valid and shall not be cancelled or terminated before the end of the Promotion Period of this Promotion.	1	1
     Mission 2	Designated Mission: During the phase period, grant consent to at least one local bank account to share account data via the Fubon+ U Account. Related Requirements: There is no limit on the number of local bank accounts that need to be linked for each consent. The granted consent must be maintained until the end of the Promotion Period of this Promotion, without any cancellation of the granted consent during the period.	1	5
     Mission 3	Designated Mission: During the phase period, complete a Foreign Exchange transaction via Fubon+ for the first time. Related Requirements: Only applicable to customers who have never exchanged foreign currency via Fubon+ successfully prior to the phase period of this phase.	5	5
     	Designated Mission: During the phase period, complete a Foreign Exchange transaction via Fubon+. Related Requirements: Except for the first Foreign Exchange transaction completed through Fubon+.	1	10
     Mission 4	Designated Mission: During the phase period, accumulate for every HKD 1,000 in eligible retail transaction using the principal and/or supplementary Fubon Credit Card. Related Requirements: Other transactions including but not limited to tax payments, online bill payments, balance transfers, instalment payments, administration fee, financial charges, annual fees, autopay transactions, Octopus Automatic Add Value Service (AAVS) reload transactions and casino and gambling transactions will not be counted as the spending requirement for this Promotion. Only eligible retail transactions posted during this phase period will be counted. The Bank reserves the right to make the final decision on whether a transaction qualifies as an eligible transaction. Any transactions that have been cancelled or refunded will not be considered as valid eligible retail transactions under this phase period.	1	10

      

   Phase 3
   
   • Eligible Customers who log in to Fubon+ once and complete any one of the designated missions during the period from 3 March 2026 to 16 March 2026 will receive the corresponding lucky draw entries. 4 winners will be drawn in Phase 3. Each winner will receive 3,800,000 Fubon Credit Card Bonus Points. The designated missions for Phase 3, related requirements, no. of lucky draw entries, and maximum no. of lucky draw entries are as follows:

     	Designated Missions and Related Requirements	No. of Lucky Draw Entry	Max. No. of Lucky Draw Entry
     Mission 1	Designated Mission: During the phase period, pay merchant bills via the Bill Payment function in Fubon+. Related Requirements: Any completed transaction that is subsequently refunded or cancelled will not be regarded as a successful transaction and will not be receiving the lucky draw entries.	1	1
     Mission 2	Designated Mission: During the phase period, complete a HKD cardless cash withdrawal transaction via the Cardless Withdrawal function in Fubon+ at a JETCO network ATM. Related Requirements: The minimum amount for each cardless cash withdrawal transaction is HKD 100. The transaction will only be considered successful upon successful cash collection.	1	5
     Mission 3	Designated Mission: During the phase period, complete a Foreign Exchange transaction via Fubon+ for the first time. Related Requirements: Only applicable to customers who have never exchanged foreign currency via Fubon+ successfully prior to the phase period of this phase.	5	5
     	Designated Mission: During the phase period, complete a Foreign Exchange transaction via Fubon+. Related Requirements: Except for the first Foreign Exchange transaction completed through Fubon+.	1	10
     Mission 4	Designated Mission: During the phase period, accumulate for every HKD 1,000 in eligible retail transaction using the principal and/or supplementary Fubon Credit Card. Related Requirements: Other transactions including but not limited to tax payments, online bill payments, balance transfers, instalment payments, administration fee, financial charges, annual fees, autopay transactions, Octopus Automatic Add Value Service (AAVS) reload transactions and casino and gambling transactions will not be counted as the spending requirement for this Promotion. Only eligible retail transactions posted during this phase period will be counted. The Bank reserves the right to make the final decision on whether a transaction qualifies as an eligible transaction. Any transactions that have been cancelled or refunded will not be considered as valid eligible retail transactions under this phase period.	1	10

   • Each Eligible Customer can receive one lucky draw prize only under Activity One. (Example: A customer who has already won a prize in Phase 1 will not be eligible to win a prize again in Phase 2 or 3.)
   • Any designated missions completed through means other than Fubon+ will not be counted (except for FPS Addressing Service registration and Credit Card transactions).

Activity Two (Instant Rewards)

6. Eligible Customers may complete any one of the following Instant Rewards missions via Fubon+:
   
   • Subscribe to an investment fund via Fubon+; or
   • Participate and complete a Foreign Currency Time Deposit Promotion via Fubon+; or
   • Complete Foreign Exchange transactions via Fubon+ with an accumulated exchange amount of HKD 20,000 or equivalent,
   
   to receive a 1-year “MyHome Protection” home insurance plan and 10 “Big Bang Lucky Draw” entries.
7. To participate and complete a Foreign Currency Time Deposit Promotion via Fubon+, customers must complete the designated foreign currency exchange and simultaneously use the entire exchanged amount to set up a time deposit account with a designated deposit period.
8. Each Eligible Customer may receive the instant rewards once only during the entire Promotion Period. Instant rewards are subject to quota, available on a first‑come, first‑served basis while stocks last. The Bank will not calculate or notify customers of the remaining quota during the Promotion Period.
9. Any designated missions completed through means other than Fubon+ will not be counted.

Activity Three (Big Bang Lucky Draw)

10. All Eligible Customers may use the lucky draw entries obtained from Activity Two to participate in the “Big Bang Lucky Draw”.
11. If Eligible Customers have not won any prize in any phase of Activity One, all lucky draw entries earned across all phases of Activity One will be accumulated for the “Big Bang Lucky Draw” (including entries from Phase 1, 2, and 3).
12. Each Eligible Customer can win a maximum of one prize in the “Big Bang Lucky Draw”.

Lucky Draw Prizes and Winners Notification

13. Lucky draw entries obtained by Eligible Customers upon completion of designated missions will be accumulated throughout the entire Promotion Period (3 February 2026 to 16 March 2026). All prizes will be awarded in the form of Fubon Credit Card bonus points and winners (“Winners(s)”) will be randomly selected by a computerized system.

    	Promotion Period	Lucky Draw Result Announcement Date	Lucky Draw Prizes (Fubon Credit Card Bonus Points Reward)	Quota(s)
    Phase 1	3 February 2026 to 16 February 2026	30 April 2026	3,800,000 Bonus Points	4 Winners
    Phase 2	17 February 2026 to 2 March 2026	30 April 2026	3,800,000 Bonus Points	4 Winners
    Phase 3	3 March 2026 to 16 March 2026	30 April 2026	3,800,000 Bonus Points	4 Winners
    Big Bang Lucky Draw	3 February 2026 to 16 March 2026	30 April 2026	80,000 Bonus Points	800 Winners
    Total				812 Winners

14. The result of the lucky draw will be announced on the Bank ‘s website on or before the above‑mentioned dates.
15. All the Prizes cannot be transferred, changed or returned.
16. The Credit Card Bonus Points Reward (“Bonus Points Reward”) will be credited to the valid principal Fubon Credit Card (“Principal Card”) Account of the Winners on or before 31 August 2026, and will be shown on the monthly statement of Principal Card. The Bonus Points are non-transferable. The General Terms and Conditions of the Fubon Credit Card Bonus Point Program apply.
17. Winners must hold a valid Principal Card to receive the Bonus Points Reward. The Principal Card does not include corporate cards, debit cards, any reward cards or Fubon Credit Card Supplementary Card. Winners who do not hold a valid Principal Card must successfully submit an application for a Principal Card on or before 22 May 2026 (“Application Deadline”). All Principal Cardholders must confirm their card status or reactivate their Principal Card account on or before 10 July 2026, ensuring the account remains valid. The Bonus Points Reward will be credited to the Principal Card account on or before 31 August 2026, provided the account remains active.
18. If the Winners hold multiple valid Principal Cards, the account to be credited will be determined by the Bank without prior notice.
19. If the Winners do not submit their Principal Card applications before the Application Deadline or if the applications are declined for any reason, the Bank will substitute the rewards with a cash reward. The Cash Reward will be allocated as follows and deposited into the Winner’s valid Individual Bank Account on or before 31 August 2026:

    Lucky Draw Prizes (Fubon Credit Card Bonus Points Reward)	Cash Reward
    3,800,000 Credit Card Bonus Points	HKD 1,520
    80,000 Credit Card Bonus Points	HKD 32

20. If the Winners do not hold any valid Principal Card account or Individual Bank Account at the time the Bonus Points Reward or cash reward are credited, the Bank reserves the right not to grant a reward without prior notice.
21. If the Winners hold multiple valid Individual Bank Account, the account to be credited will be determined by the Bank without prior notice.
22. If the Individual Bank Accounts held by the Winners for cash reward are not denominated in Hong Kong Dollars, the Bank will credit the equivalent value of cash reward to the Bank’s selected account based on the other currency accounts held by the Winners for cash reward. The order of the account to be credited and the foreign currency conversion rate for which the cash reward is credited are determined by the Bank without prior notice, while the foreign currency exchange rate is based on the Bank’s prevailing exchange rate as determined by the Bank on the date of deposit.
23. The Bank will not credit the Bonus Point Reward or cash reward to any accounts for any reasons or in any forms if any requirements specified by the Bank are not satisfied as determined in its sole and absolute discretion. The Bank reserves the right not to grant reward without prior notice.
24. Bonus Point Reward can be redeemed for gift, while for cash credit redemption, it will be credited to cardholder’s Principal Card account directly and will offset the statement balance in the next monthly statement. Cash credit cannot be refunded in the form of a bank draft or any other forms to settle the credit card account balance refund charge.

Instant Rewards and Customer Notification

25. Customers who can receive a 1-year “MyHome Protection” home insurance plan will receive the notification for the Prize redemption on or before 31 August 2026.
26. The 1-year “MyHome Protection” home insurance plan ("the Policy") is provided by MSIG Insurance (Hong Kong) Limited (“MSIG”). The Bank is not the supplier of the Policy and shall not be responsible or liable for the quality, coverage, terms, exclusions or any other matters relating to the Policy. The relevant terms and conditions of the Policy will be provided to customers upon the issuance of the reward. Any dispute arising from the Policy shall be resolved directly between the customers and MSIG.
27. Customers are required to redeem the Prize according to the instructions stated in the redemption notification. Redemption is subject to the Terms and Conditions listed on the redemption notification.
28. Customers who fail to redeem within the redemption period stated in the notification, the chance of redemption will be cancelled or forfeited. The Bank reserves the right to deal with all forfeited the Prize in such manner as the Bank shall deem fit.
29. The redemption notification will not be re-issued or replaced if lost or damaged.
30. Customers shall notify the Bank if the redemption notification is not received on or before 30 September 2026. The Bank assume no liability and will not offer any compensation to the customers in respect of any failure to receive the redemption notification.

General Terms and Conditions

31. The Bank reserves the right to suspend, vary or terminate this Promotion or amend the relevant terms and conditions at any time without prior notice. In case of any dispute, the decision of the Bank shall be final and conclusive.
32. For all records of services and transactions in this Promotion, the Bank’s record shall prevail. The Bank reserves the ultimate right to determine the eligibility of Eligible Customer in this Promotion.
33. The Bank is not responsible for any failure of transaction payment due to the customer's own reasons, network issues or other unforeseen reasons, and will not distribute rewards or make any compensation for any reason or forms.
34. Participation in this Promotion represents the Participant’s understanding of, acceptance, and willingness to comply with the Terms and Conditions for the promotion launched by the Bank. If there are any dishonest and / or fraudulent acts by the Participants in this Promotion, the Bank reserves the right to disqualify the Participants from this Promotion. The Bank also reserves the right to deduct the reward from the participant’s Fubon account.
35. This Promotion and each of the product and/or service set out in these Terms and Conditions are subject to the General terms and conditions of the Fubon Internet Banking Service, Fubon Mobile Banking Service, Fubon Mobile Security Key Service, Fubon Faster Payment System Service, Global Terms and Conditions for Accounts and Services, Relating to the Personal Data (Privacy) Ordinance and Consumer Credit Data, Fubon+ Foreign Currency Fixed Deposit Promotion, JETCO Cardless Withdrawal Service, Fubon Cardholder Agreement and Fubon Credit Card, please visit Fubon Bank’s website www.fubonbank.com.hk or contact the staff of the Bank for more details.
36. Other than the Bank and Eligible Customer, no one shall have the right to enforce or enjoy the benefits of any of these Terms and Conditions under Contracts (Rights of Third Parties) Ordinance (Cap 623, Laws of Hong Kong).
37. These Terms and Conditions are governed by and construed under the jurisdiction of the Hong Kong Special Administrative Region.
38. Should there be any inconsistency between the English and Chinese versions, the English version shall prevail.

Disclaimer:
This document does not constitute and shall not be considered as an offer or a recommendation to buy or sell securities or any other product or service. Any such offering of the securities or any other product or service will be made only in accordance with the terms and conditions set out in the offering documents. Prior to investing, customers are advised to review carefully the terms and conditions set out in offering documents (including the risk factors described therein).

Risk Disclosure and Important Note:
Investment Fund is an investment product and certain funds are not principal-protected funds. All investments involve risks (including the possibility of loss of the capital invested), prices of investment products may go up as well as down and may even become valueless. Past performance is not indicative of future performance.

The offering documents or information provided by the issuer may not be reviewed by the SFC, investors should exercise caution in relation to the offer.

For products authorized by the SFC, the authorization does not imply official recommendation or that SFC authorization is not a recommendation or endorsement of a product, nor does it guarantee the commercial merits of a product or its performance.

The value of RMB is subject to the risk of currency exchange rate fluctuation. Customer should bear the risk of RMB exchange rate fluctuations which may cause profit or loss if customer chooses to convert RMB to HKD or other currencies. RMB is currently subject to regulatory and foreign exchange restrictions (which might be changed from time to time).

Foreign currency investments are subject to exchange rate fluctuations which may provide both returns and risks. The fluctuation in the exchange rate of currency may result in losses in the event that the customer converts the currency into other currency.