How to do the exchange when the time comes…this is just my opinion…ideas…the banks – they’re in business to make money. One of the ways they make money is when they exchange currency. They charge you a spread. I will do everything possible…to make sure that that bank that I decide to do business with gives me the best deal possible. I will demand that they don’t even charge me a spread. If they insist. Let’s talk that spread down…then talk about some perks…don’t just exchange IMO…you are in control. That bank wants your business…you don’t want to be rude but stand your ground.