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 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.

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 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

Business Practice SpecialtyInvoice Processing:

Order ready for payment settlement

Real-time exchange rate assigned

Invoices imaged and stored

Orders enter into GEG platform (24 hour)

QA & Reconciliation

Orders batchedfor processing

Orders Received(FTP, e-mail, fax)

Data Integration

Reporting

CUSTOMER

Business Practice SpecialtyData Integration:

All data fields captured.Includes foreign amounts & US dollar equivalents.Daily Downloads

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

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.

Confirmation CommunicationAutoConfirm™

Transaction Confirmation.

Immediately sent 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.

Experience the DifferenceSM

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 (Email, 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:

GlobalExchange

Bank’s IndependentFX Providers

ProcessingSuperior 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

IntegrationTime & 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

Thanks so much for your timeTrain Station Building10 East Chestnut AvenueMerchantville, New Jersey 08109PH: 800.682.2187 Fax: 856.675.1130www.gexchange.com