International Payment Solutions

1. International Payment Solutions

2. Presentation Key Points • GEG can provide your firm with world class services & tools to offload and integrate the foreign payables process. • GEG is the only bank-owned, FDIC-regulated International Payment Solutions Company in the industry. • Foreign Exchange and A/P services are our core competencies. It is all we do.

3. A Very Solid Partner Global Exchange Group • Leader in international payment solutions. • Founded in 1994. Owned by Fulton Bank. • FDIC regulated. • Global reach throughout a worldwide banking and financial network. Fulton Bank | Fulton Financial Corporation (NASDAQ: FULT) • 126-year-old, $16 billion publicly held financial services company. • Supported by a network of over 4000 employees. • Member of SWIFT. (Society for Worldwide Interbank Financial Telecommunication) • Headquartered in USA.

4. Current Environment • Increasing Workload • We live in a global business world – Complexities of International Payables & Receivables • Workforce Consolidation • Need to pay vendors in local currency…and bill clients in US dollars. • Less expensive when sending FX. • FX routed faster vs. US dollars (via SWIFT/Correspondent Banking Network) • Eliminates invoice markups by foreign associate/vendor. • Maintains consistency in client billing. • Need to reduce service and processing fees. • Need consistency and flexibility in exchange rates. • BSA (Bank Secrecy Act) • Recommends doing international business within an FDIC regulated banking environment. • Industry Requirement ► ► ► Improve the process. • Processing from foreign invoices. • Creating vouchers. • Billing to accounts receivable. • Closing vouchers and reconciling. • Sending payments.

5. Business Practice SpecialtyA complete full service global payment solution: Combining payment processing & data integration within an FDIC regulated banking environment includes: • Offloading manual entry of all international invoices • Imaging of original documents with online access • Locking in a competitive exchange rate • Providing a load data file for your financial system • A simple to use payment console that incorporates workflow • Compliance checking (OFAC) • Payments / Wires (FX) • Communication with foreign vendors • Reporting

6. Business Practice SpecialtyInvoice Processing:

7. Business Practice SpecialtyData Integration: • All data fields captured. • Includes foreign amounts & US dollar equivalents. • Daily Downloads

8. Business Practice SpecialtyPayments • 100% access to every invoice. (Paid and unpaid) • Ability to bill client ahead of paying the foreign associate. • Ability to send any payment whenever necessary. • Payments maybe split between different beneficiaries. • Guaranteed exchange rates on spot and forward contracts. • NO foreign dollar service fees. Low $USD service fee. • GEG Payment platform security levels. (Full, Approver, Reviewer) • Each payment may have multiple approval levels. • Beneficiary transaction confirmation via email (VendorAlert™). • Eliminate the need to use separate payment platform. • FDIC regulated: • Worldwide network via SWIFT, CHIPS & correspondent banking network. • OFAC Compliance

9. Beneficiary CommunicationVendorAlert™ • Parallel payment notification. • Sent via email and/or fax. • Vendor Online Access • Notifies beneficiaries of upcoming payments. • Referenced by invoice number, date and dollar amounts. • Eliminates unnecessary correspondence.

10. Confirmation CommunicationAutoConfirm™ • Transaction Confirmation. • Immediatelysent via email. • Detailed overview of current activity for easy settlement. • Sent to multiple parties. • (CFO, Controller, A/P, etc.) • Secure method reconfirming activity. • Separate settlement report.

11. Experience the DifferenceSMQuality and Safety Assurance • Fulton Financial Corporation • Internal Audit. • Corporate Compliance Department. • Internal Legal Department & BSA Director. • Regulated by the Federal Reserve. • Annual interagency reviews: • Federal Reserve Bank of Philadelphia. The Office of the Comptroller of Currency (OCC). FDIC and various state regulatory agencies. • Fulton Bank • BSA/KYC Department. • FDIC Regulated. • Internal Audit. • Global Exchange Group • BSA / KYC Program. • FDIC Regulated. • OFAC Compliance. • Internal Audit.

12. Options to Consider Look beyond just exchange rates…Global Exchange offers true value add services at NO additional cost to our customers: • Direct Invoice Processing • Complete Data Integration • Beneficiary/Vendor Management • Cost Reduction Program – Native currency invoicing • Vendor Alert™ - Vendor payment notification (Email, online access) • Invoice Imaging with online access • ChoicePOINT™ - Pre-OFAC screening • Personalized Account Support • FDIC Regulated Environment

13. Why Choose Global Exchange?We provide the safest and most comprehensive range of FX solutions:

14. Startup Process • Process Review • Overview of current process & procedures. • Gather data & map process relationship. • Testing & Implementation • Seamless, safe and secure process testing assures good transition. • Ramp up activity for easy transition. • Ongoing Support • Easy startup to full capacity. • Ongoing communication continually improves the process. • FDIC regulated process.

15. Clients

16. Thanks so much for your time Train Station Building 10 East Chestnut Avenue Merchantville, New Jersey 08109 PH: 800.682.2187 Fax: 856.675.1130 www.gexchange.com