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TeachMeFinance.com - explain With exchange historic definition... With exchange -- When the words "with exchange" are appended to a draft the charge for the collection of the draft is to be collected from the payer (the one who is to pay) as well as the amount of the draft itself. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2007 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.