Bank Of America Deposit Agreements

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We may set an exchange rate and assign it to your transaction without notice. Exchange rates fluctuate, sometimes significantly, and you acknowledge and accept all risks that may arise from such fluctuations. If we assign an exchange rate to your foreign exchange transaction, we will decide that exchange rate in our sole discretion based on the relevant factors we have identified, including, but not limited to, market conditions, exchange rates calculated by other parties, our desired return, market risk, credit risk and other market, economic and commercial factors. and may be changed at any time without notice. They acknowledge that the exchange rates for retail and trading transactions as well as transactions made after hours and weekends are different from the exchange rates for large interbank transactions that take place during the opening day, as can be reported in the Wall Street Journal or elsewhere. . . .

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