When processing the refund, we’ll endeavor to credit the refund (together with any handling fee previously charged) to the Call Deposit debited for the original transaction if the refund was made by the merchant using the same trace number and/or authorization code of the original transaction so that we’re able to trace the original Call Deposit. If, however for any reason, we’re unable to trace the original Call Deposit, the refund (excluding any handling fee previously charged) will be credited to the Call Deposit of the refund currency (which may be different from the currency of the original Call Deposit), or (if Citibank Global Wallet is turned off or unavailable at the time of refund processing) be credited to the default Hong Kong Dollar account (in which event currency conversion will be involved and you may suffer loss as a result).