6/ For international transfers, funds are deducted from your Bank of America account on the business day you order us to begin processing the transfer. Bank of America will send the payment on this business day and, with the exception of transfers, the recipient`s bank generally receives the funds 1 to 2 business days later and the funds are generally credited to the recipient within two business days. Specific rules for transfers can be made in section 5.F. If you sign up for the use of the Service or allow anyone you must work on on your behalf to use or access it, you agree to the terms of this Agreement. You declare that you have the right to authorize withdrawals and credits from the registered bank account. You agree that you do not use the service to send money to people to whom you send payments for tax payments, payments in accordance with court orders (including court-designated amounts for food or child welfare), fines, payments to credit sharks, gambling debts or payments prohibited by law, and you agree that you do not use the service to ask someone for such payments. If you are trying to schedule a payment, we will let you know the available delivery date as soon as possible. In order to ensure a timely payment and take full advantage of the online bank guarantee described below, you must plan the payments and your account must be in good condition and have sufficient funds available on the deposit account indicated to cover the payment, at least five (5) days of banking business before the payment due date, NOT the date after which late wedding fees can be assessed. We can determine an exchange rate and assign it without notice to your transaction. Exchange rates vary, sometimes significantly, and you recognize all the risks that may result from these fluctuations. If we assign an exchange rate to your exchange rate, this exchange rate will be determined by us solely at our discretion on the basis of factors that we deem relevant, including, but not limited, to market conditions, exchange rates calculated by other parties, our desired price, market risk, credit risk and other market, economic and commercial factors, and may be modified at any time without notice.