Commonwealth FX_Corporate Overview_2016

EMPOWERINGBUSINESSES TOGROW GLOBALLY Intelligent International Payment ProcessesPersonalized Risk Management Strategies

Since 1997, thousands of businesses have partnered with

Commonwealth FX to help send international payments

accurately and efficiently. As a trusted partner, we work with you

to determine comprehensive strategies and solutions for your

business and ensure that billions of dollars are moved around the

world in a cost effective and secure manner each year.

Our dedicated industry experts are committed to providing

premium service, transparent pricing, delivering operational and

cost efficiencies and keeping you informed and competitive in

the global marketplace.

Combining the latest technology and uncomplicated straight-

through payment processes, we help your business manage

cash flow and international transactions, whether sending or

receiving funds. We work with you to protect your bottom line by

mitigating risk against currency fluctuations.

With our industry-leading

service and customized

solutions, Commonwealth FX

simplifies the way you con-

nect with the global market-

place, allowing you to focus

on building your business,

while driving efficiencies in

your day to day operations

INTERNATIONAL PAYMENTS

OUTGOING PAYMENTSOur payment solutions provide your business with streamlined

methods for processing outgoing transactions to over 120+

countries and territories, and in more than 115 currencies. We

deliver payments quickly and accurately to ensure your business

credibility remains intact with your beneficiaries.

Manage thousands of transactions at a time with enhanced

secure file transfer capabilities and custom solutions for large

volumes.

INCOMING PAYMENTSOur incoming payments solution allows your business to receive

international payments without the hassle of overseas accounts.

The process gives you transparency into the incoming payment

and trust that it has been received successfully.

This ensures effective reconciliation for accounts receivable and

allows for the option to hold foreign funds with our FX Holding

Accounts(available in select currencies only) or convert them

to U.S. dollars based on current market conditions and your

business requirements.

Products may not be available in all states or to all customers. Product availability may be subject

to approval. Certain conditions and restrictions apply. Please speak with an Account Executive.

GOAL: GREATER CASH FLOW

STRONGER BOTTOM LINE

RISK MANAGEMENT SOLUTIONS

Commonwealth FX’s risk management strategies and hedging

tools can help mitigate your company’s currency risk. Each

step of the way, we encourage you to leverage our years of

experience and broad industry knowledge of risk management

solutions to support your international business strategy.

1 While forward contracts are designed to minimize risk, they do not eliminate risk, and they may not

be appropriate for every customer or every situation. Commonwealth is not acting as your financial

advisor or fiduciary with respect to any foreign exchange transaction. Before entering into any foreign

exchange transaction with us, you should consult with a financial, legal and/or tax advisor to ensure you

understand the transaction and have assessed the appropriateness of the transaction for your situation,

including any risks and benefits involved.

DEVELOPING A RISK MANAGEMENT PROGRAMCommonwealth FX will help you plan and implement an

appropriate risk management policy designed to meet your

business requirements and protect your profits.

FORWARD CONTRACTS help minimize your exposure to

volatile currency exchange rates and accurately project revenue

and expenses.1

STANDING ORDERS are a tool that allows you to target an

exchange rate and convert a set amount of foreign currency

once the market reaches the target rate.

Amount of foreign currency

Length ofexposure

Potential fluctuation

Cash flowsensitivity

Market view

Exposure certainty (volume/timeframe)

Seamlesslyenter into new transactionswith less risk

IDENTIFY/QUANTIFY

RISK

SELECT HEDGING

TOOLS

INTEGRATERISK

MANAGEMENT PROGRAM

WITH COMPANY BUDGET/PLANNING

POLICIES

We monitor

global markets,

while you focus

on your core

business.

INSIGHTFUL BUSINESS DECISIONS

Commonwealth FX keeps you apprised of daily market movements that

could impact purchasing decisions. We translate complex global economic

situations into understandable and actionable insights for your business.

Commonwealth FX’s analysis is regularly featured in publications such as

the Wall Street Journal, Bloomberg, Reuters and the BBC.

OUR COMMITMENT TO COMPLIANCE

Commonwealth FX is federally registered and held to the highest standards

regarding capital requirements, adherence to USA PATRIOT Act regulations

and internal control systems.

Registered with FinCEN, a division of the Department of the Treasury,

Commonwealth is held accountable and undergoes a comprehensive

process to confirm our compliance with regulatory and AML requirements.

In accordance with our worldwide economic principles and processes,

Commonwealth FX is routinely audited and monitored.

Commonwealth also holds Money Transmitter licenses through State

banking and financial services regulatory agencies. We are subject to

oversight and routine audits from these state regulatory agencies.

Independent audits are performed annually for Bank Secrecy Act

compliance.

Commonwealth FX financials are audited annually by a reputable,

international CPA firm.

© 2016. Commonwealth Foreign Exchange Inc. All Rights Reserved.

The information contained in this document is for informational purposes only. The contents of this document should not be regarded as a recommendation or offer to buy or sell, or a solicitation of an offer to buy or sell financial products or services.

Nothing in this document should be considered personalized financial, investment, legal, tax or other advice. The financial products discussed in this document can be subject to substantial risk of loss and may not be suitable for everyone. Market participants must carefully make their own decisions based upon their specific objectives and financial positions.

The opinions expressed in this document are based on public information available at the time of writing, and are subject to change without notice based on changing conditions. The information, research, and opinions contained here have been obtained or derived from sources believed to be reliable, but we cannot guarantee their accuracy and completeness. Please conduct your own research and due diligence, and seek the advice of a qualified professional before you purchase any financial products or services.

Dun & Bradstreet D-U-N-S® Number: 79987-7295

Banking License Numbers: 98000838MT and 98000837SC

1-800-239-2389 [email protected] For more information, please visit us online at www.commonwealthfx.com

DRIVING GLOBAL BUSINESS EFFICIENCIES WITH DEDICATED PAYMENT EXPERTISE Personalized and Market Experienced Client Services

International Payment & FX Solutions

Global Payment Process Efficiencies

Cash and Risk Management Strategies

Online FX Payments

LOS ANGELES NEW YORK PROVIDENCE SAN FRANCISCO TORONTO WASHINGTON DC