If we complete a foreign currency exchange on your behalf, such as exchanging a foreign currency incoming wire transfer into U.S. The exchange rate may vary among customers depending on your relationship, products with us, or the type of transaction being conducted, the dollar amount, type of currency, and the date and time of the exchange, and whether the transaction is a debit or credit to your account. The exchange rate we use will include a spread and may include commissions or other costs that we, our affiliates, or our vendors may charge in providing foreign currency exchange to you. You should expect that these foreign exchange rates will be less favorable than rates quoted online or in publications. We may make a commission providing foreign currency exchange services to you. The foreign exchange rates we use are determined by us in our sole discretion.
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