Hello , welcome to Lincoln Bank . What can we do for you today ?   I want to effect payment under an L / C today .   No problem . OK ... just checking for you . Ah , I'm afraid there aren't enough funds in your account to cover this transaction . What you can do is buy some US dollars , using local currency and we can credit your account with that amount .   That seems alright . What's the exchange rate like today ? Good or bad ?   It's not too bad today , actually . 828.23 . 