Pacific Union's swap fee=Long/Short swap fee*Lots*Contract size*Digits (minimum fluctuation point) *Holding Days. Take Gold (XAUUSD) as an example. The contract size of gold is 100 ounces and the minimum fluctuation point is 0.01. If the customer holds one standard lot of XAUUSD for more than one overnight, the required inventory fee should be -4.85*1*100*0.01*1=-4.85. The calculation of other products are similar except the product of Index calculation without the element of Digits (minimum fluctuation point). Please be aware that the data is subject to changes, please refer to MT4/MT5 for details.