If you send international payments and want to know not only about AFEX, but a general knowledge of the products, tools, and services available, you should find this presentation very helpful. If you have vendors overseas, or international operations, a good knowledge of the tools to manage transactions, reduce costs, and reduce currency risk is a must.

1. Introduction
to AFEX for
corporate
clients

2. • About us
• Corporate philosophy
• Key facts
• Tailored approach
• Our solutions
• Risk management
• Settlements options
• AFEXDirect
• Testimonials
• Next steps
Agenda
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3. The purpose of this proposal is to introduce
our overseas payment and risk management
solutions to your business. Our main objective
is to identify areas where we can add value to
your business, becoming your trusted
business partner.
Introduction
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4. Headquartered in California,
AFEX is a trusted global payment
and risk management solutions
specialist with a heritage that
dates back to 1979.
We are seamlessly operating
24 hours a day, 7 days a
week, in over 200 countries,
trading more than $15bn in
foreign exchange each year
for our 24,000 clients.
We can handle every aspect
of a client’s foreign payment
needs, from risk consultation
to transaction execution.
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About us

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About us - video

6. Our footprint is truly global with offices throughout the Americas, EMEA and
Asia Pacific; we’re able to operate across all time zones ensuring the needs of
our clients are met.
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About us

7. Our rich heritage, market experts and range of
customizable products are unrivalled within the
industry, helping us become one of the world’s
largest non-bank payment and risk management
solution providers in the world.
Our corporate philosophy guides our people, our
processes and inspires trust in our clients. First class
customer service coupled with a strategic approach
to creating highly personalized solutions are the
cornerstones of our philosophy.
Corporate
philosophy
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8. AFEX (Associated
Foreign Exchange)
was founded in
1979.
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We provide commercial
foreign exchange
solutions for businesses
and private
individuals, including a
range of global payment
and risk management
solutions such as Spot
Transactions, Forward
Contracts and delivery.
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Trading more than $15bn
in foreign exchange each
year.
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One of the world’s
largest non-bank, private
providers of global
payment solutions.
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FINTRAC
registered and
regulated.
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We are licensed and
regulated in all
jurisdictions in which
we operate.
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We are proud of our AA
credit rating, with leading
credit agencies.
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We have won the
Deutsche Bank "Straight
Through Processing
Award" five years in a
row.
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Key facts

9. AFEX has been offering clients safe and secure ways
to manage international payments since 1979, and is
the fastest growing independent foreign exchange
provider in each of the global markets in which it
operates.
Client funds are segregated, as part of safeguarding
arrangements, in the unlikely event of liquidation.
Funds are held either in client trust bank accounts or
at one of AFEX’s counterparty brokers, as cash in
transit or collateral, to meet our obligations relating
to clients’ trades.
Funds can only be used to fulfil the contractual
obligations of our clients. They will never be
anywhere other than in the segregated client
accounts with our banking counterparties.
AFEX does not work with currency speculators and
only operates under instructions from our 24,000+
customers worldwide. Every trade is marked to
market, which ensures minimal credit and market
risk.
Regulatory structure
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10. Our corporate and treasury
solutions are perfectly suited for
large corporations that require an
integrated, efficient and
personalized approach.
We work with corporate clients to
help them manage risk and seize
opportunities in currency
markets. Our mission is quite
simply to become your trusted
business partner, helping you
protect your profits and achieve
your goals.
By utilizing a range of very
sophisticated risk management
solutions and online tools, we
will create a personalized
solution for your company.
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Corporate
and Treasury

11. Your success is our
success.
We view all of our clients as
partners.
Our foreign exchange experts will
create a detailed profile of your
company’s foreign exchange
exposure and produce a fully
customized solution exactly suited
to your unique needs.
Tailored
approach
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Convenient, secure
and fast delivery of
funds
Global 24/7
secure
payments
online with
AFEXDirect
Incoming and
outgoing wire
transfers
Award-winning
settlement
processing
Expert guidance
and FX tools
Cross-currency
trading services
Reduced currency risk
with Spot and
Forward contracts
Conversion of
foreign bank drafts
and cheques
Targeted and
competitive
exchange rates
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Personalized solutions

13. Whether you want to reduce costs,
manage risk or seize opportunities in
currency markets, our range of
customized solutions can help you
achieve your goals.
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Unique solutions
just for you

14. Imports and Exports Claims
Management
Corporate Service
Providers
Education Freight
Forwarders
Fund and Wealth
Managers
NGOs and Charities Real Estate Travel
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Industry solutions

15. Forward Contracts allow you to
lock in exchange rates for up to 12
months in the future without
having to use all of your cash flow
to purchase the currency upfront.
Forward Contracts provide
your business with certainty
amongst the volatile realms
of the foreign currency
markets and can be tailored
to your requirements
throughout the 12 month
period.
An initial deposit may be
required depending on many
factors surrounding the risk of
your commercial requirement.
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Forward
Contracts

16. Risk Management – One of our
core business goals is to help
our clients manage their
international business risk.
Strategy – Our specialists will help
you create a comprehensive
Risk Management Strategy to
help protect your business against
volatility in foreign exchange
markets.
Forward Contracts – Reducing
or removing the impact of
currency movements. With the
right application, forwards can
be an extremely effective
product to mitigate currency
fluctuation and risk.
Currency Options – The right
but not the obligation to buy or
sell an agreed amount of
foreign currency, at a
predetermined exchange rate,
on a specified future date.
Market Watch / Limit Orders –
We will monitor markets and
update your clients about
movements in currencies of
interest, so they have the latest
information to make informed
decisions.
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4 5
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Risk management solutions

17. Risk management approach
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18. Currency Options
Like Forward Contracts, Options
allow you to protect your bottom
line against fluctuations in the
currency market but with Options
there’s also potential for you to
take advantage if the currency pair
moves in your favor.
Pay a premium upfront, and you can fix an
exchange rate for a point in the future
where you can benefit up to 100% if the
rates move in your favor. The higher the
premium, the more flexibility and freedom
you have.
If paying a premium does not suit your
business model, the cost can instead be
built into your exchange rate, and you will
still be able to benefit 100% if the rate
moves into your favour.
We offer a full suite
of Options products:
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19. Rate Orders allow you to manage any
currency fluctuations around the clock
by allowing you to choose a target
buy or sell rate. Our Relationship
Managers will guide you on a suitable
target rate and notify you once the
target rate is reached.
Rate Orders can sit in the market for
any length of time but are
traditionally limited to 14 days. You
can even limit a Rate Order to the
length of a couple of hours, which
could be crucial within a fast moving
market.
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Rate Orders

20. Settlement options vary depending on your
exact requirements. Rest assured, however, that
all our Settlement options are secure and
timely, using either SEPA or SWIFT. In fact, our
payment options are so efficient we have
earned the Deutcshe Bank ‘Straight Through
Processing Award’ five years in a row.
Our developed credit department and direct debit
facility, means we can offer your business instant
settlement on your AFEX trades. This automated
service will add to your treasury efficiency and ensure
instant delivery of funds in either yours or your
supplier’s account.
Settlement CreditAward winning
settlement options
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Settlement options

21. Settlement options
We maintain over 50 foreign bank
accounts and 14 offices worldwide,
providing the local release of payments
which means no intermediary fees.
AFEX Direct can be fully integrated with
your ERP system. You can execute
payments and manage your international
currency exposure 24 hours a day.
Our network of trading partners allows us
to provide some of the most competitive
exchange rates possible.
Settlement options:
All our Settlement options are secure and
timely, using either SEPA or SWIFT, the
worlds largest payments network. This
ensures a secure, speedy and reliable
solution for Outgoing and Incoming Wires.
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22. AFEXDirect is our industry-leading
online solution for managing global
payments. It provides peace of mind by
giving you access to your foreign
currency balances 24/7, from practically
any location. Free, flexible and easy to
use, AFEXDirect puts you on top of
changing conditions in the market.
It provides you with a comprehensive
suite of advanced online functionality
for all your global payments. Our
consolidated, easy-to-use system
delivers an efficient, effortless process,
from entry to receipt.
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AFEXDirect

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AFEXDirect

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AFEXDirect

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4 5
Create and execute Spot
Transactions and Forward
Contracts.
Pay beneficiaries by
Wire Transfer or
Bank Draft.
Choose from several different
settlement methods including
Wire Transfer, CHAPS, BACS,
check and Direct Debit with
multiple settlement accounts.
Plan and manage cash flow
with separate totals of
currencies purchased and
scheduled payments for
future release dates.
Set user-specific permissions
and access rights with a multi-
tiered approval process.
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AFEXDirect – key features

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Access the platform in various
languages independent of your
location.
Get automatic verification
of beneficiary banking
details for proper payment
format.
Full adherence to international
banking and compliance
requirements.
Generate comprehensive
transaction reports.
Process multiple payments in
one simple step through our
integrated file upload.
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Take advantage of incoming
payment services with
foreign funding balances and
cross currency functionality.
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AFEXDirect – key features

27. “We have been using AFEX for the last 18 months to hedge our exposures to foreign
currencies. During this time we have used a number of different strategies (spot, forward
and options) to minimise our risk and protect our bottom line, with our dedicated Account
Executive offering their time and effort to ensure prompt settlement of trades and cost,
creating effective strategies to maximise our bottom line and minimise our time spent
worrying about currency.”
Matthew Curtis, CFO at Bundaberg Brewed Drinks (www.bundaberg.com )
“Using AFEX to convert our foreign exchange at Caterham F1 has been a fantastic business
decision for us. The strategic work on ensuring the conversions are done at the right time
and via appropriate product has significantly improved our bottom line. Added to this, the
superb customer service we receive from our Account Executive, I wholeheartedly
recommend AFEX as an FX counterparty for any business or institution.”
Ruban Ghandinesen, Group CFO at Caterham Formula One (www.caterhamf1.com)
“I’ve used AFEX for over 3 years now and have found great value in doing so. The
relationship you develop with your Account Executive is vital in ensuring you trade at the
correct time and via the correct products. I am honest when I say, our bank doesn’t help us
make strategic decisions and in doing so, AFEX have added thousands of pounds per
annum to our bottom line. I strongly recommend AFEX to any business looking to improve
their FX process and importantly, save money”.
Drummond Harkin, Head of Treasury at Volkerfitzpatrick Ltd (www.volkerfitzpatrick.co.uk)
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Testimonials

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Case study

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Next steps

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Questions