International Payment Solutions

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.

A Very Solid Partner Global Exchange Group Leader in international payment solutions. Founded in 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.

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.

Business Practice Specialty A 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

Business Practice Specialty Invoice Processing:

Business Practice Specialty Data Integration: All data fields captured. Includes foreign amounts & US dollar equivalents. Daily Downloads

Business Practice Specialty Payments 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 (VendorAlert™). Eliminate the need to use separate payment platform. FDIC regulated: Worldwide network via SWIFT, CHIPS & correspondent banking network. OFAC Compliance

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

Confirmation Communication AutoConfirm™ Transaction Confirmation. Immediately sent via . Detailed overview of current activity for easy settlement. Sent to multiple parties. (CFO, Controller, A/P, etc.) Secure method reconfirming activity. Separate settlement report.

Experience the Difference SM Quality 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.

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 ( , online access)  Invoice Imaging with online access  ChoicePOINT™ - Pre-OFAC screening  Personalized Account Support  FDIC Regulated Environment

Why Choose Global Exchange? We provide the safest and most comprehensive range of FX solutions: Global Exchange Bank ’ s Independent FX Providers Processing Superior Customer Service Interchangeable Payment Processing Limited Direct Invoice Processing | Invoice Imaging Customized Solutions Online Processing | Online Reporting Centralized Process Management Competitive Rates & Low Service Fees Integration Time & Billing Integration Data Exchange Multiple Location Processing Capabilities Data Validation Protection Federally Regulated Banking Institution Regulated Oversight Policies Member of SWIFT Non-Contractual Relationship Varies Non-Depository Requirement

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.

Clients

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