JPMorgan Chase, Citigroup, Barclays and The Royal Bank of Scotland conspired with one another to fix rates on U.S. dollars and euros traded in the huge global market for currencies, according to a settlement announced Wednesday between the banks and U.S. Justice Department. Including a separate agreement with the Federal Reserve announced Wednesday, the banks will have paid nearly $9 billion in fines and penalties for their manipulation of the $5.3 trillion foreign exchange market. Global companies, who do business in multiple currencies, rely on their banks to give them the closest thing to an official exchange rate each day.