A couple thinks he can fix is the access to my US$ account when I travel to the US and use Harris Bank; I find it unacceptable that my US$ account is not available to me. Second, fix the credit card, and all transactions when I convert from a US$ purchase to a CDN$ posting, why is the BOM taking 3 percent more than the official exchange rate. There would more account growth if these items are fixed and a lot less work for customers who have developed all kind of work arounds.