1. 11/04/09 It pays to use the experts The risks of currency exchange in an international real estate transaction Stella Giudicelli Business Development Manager Moneycorp, Inc

2. Uncompetitive exchange rates Who exchanges currencies for your international clients? Why are your clients offered uncompetitive exchange rates?

3. It pays to use the experts 2 Fluctuation of the exchange rates Fluctuation of the exchange rate GBP to USD over the last two months

4. It pays to use the experts 3 Fluctuation of the exchange rates GBP / USD – Purchase of a $250,000 property September 11September 26 Exchange rate for GBP 1USD 1.6741USD 1.5768 Amount of GBP necessary GBP 149,334GBP 158,549 Difference in GBPGBP 9,214 Difference in USDUSD 14,530

5. Time of transfers from overseas to the US Complains from real estate professionals Who do you talk to?

6. Introduction to FX brokers: Competitive exchange rates Buying USD 250,000 HSBCMoneycorp Exchange rate for GBP 1 USD 1.5627USD 1.6480 GBP price GBP 159,980GBP 151,714 Transfer fee GBP 25GBP 15 Total GBP 160,005GBP 151,714 Savings GBP 8,290 USD 13,663 Based on a $250,000 purchase with the comparison carried out on 06/22/09

7. Introduction to FX brokers: Assistance with the fluctuation of the rate Guidance Locking of a rate for up to two years True story of a UK buyer Example for a seller

8. Introduction to FX brokers: Transfer of the funds Same day transfer Communication with the real estate professionals Assistance for a smooth closing

9. Summary & Questions