I've received my credit card statement today and found this advisory.

IMportant Advisory

Please be advised of the following changes in the rates and fees for your Metrobank M Free MasterCArd effective March 1, 2015

1. A Multiple Payment Fee of P50 will be charged for each payment made to the Metrobank Card in excess of two (2) within a calendar month.

2. A Cash2Go installment Processing Fee of P100 will be charged for every CAsh2Go transaction.

3. A Balance Conversion Installment Processing Fee of P100 will be charged for every Balance Conversion Transaction.

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I'd like to ask what the number 3 means?