1

TransferMate: About Us Founded in Ireland - Offices in Dublin & Kilkenny Global payment solution – The smartest way to send and receive international payments 24 hour online and telephone service Regulated by The Central Bank 100 staff globally. Process over USD$5 billion dollars globally EirSpider Financial Service Award Winner

Irish Banks : Slow, Expensive, Painful Over 90% of businesses today use their bank to process international payments. Irish banks: Charge high transfer fees Up to €30 sender fees & receiver fees Take 3+ days to process international payments. Apply exchange rate margins of 2.5-4%. Offer no integration with accounting software/ ERP systems. International Payments Are Broken 3

+ + + = = = Example: Irish business making a 10,000 GBP Payment How Do TransferMate Compare with the Bank? Exchange Rate Sender Fees Total Cost Bank of Ireland TransferMate 25 Euro 13,999 Euro.7284 Zero 13,728 Euro Rate Comparison 11 September 2015 Over 366 euro on one single payment Ulster Bank = Euro 14,105 Euro

Currency Tools Book Now / Pay Now Standard spot transaction Book Now / Pay Later Secure todays exchange rates for future payments. A great way to know today what tomorrows payments will cost you. Live Currency Orders Tell us what exchange rate you would like to secure and we will place the currency order on the market for you. 5

We make it easier to get paid Send International Payments - Login to - View and book live exchange rates. Receive International Payments in Euro -Login to -Select client, add invoice, send. Client views in their local currency & transfers to one of our local bank accounts. Receive payment same day/no fees. 6 Receive International Payments in Foreign Currency -Login to -Select client, add invoice, send. Client views in their local currency & transfers to one of our local bank accounts. TransferMate notify you when payment has arrived. Login and convert to Euro.

Sterling 15% weaker in 6 months Recent improvement in Euro-Sterling Sterling/Euro range bound. Euro Sterling Exchange Rates 7

USD strengthened 8% against Euro in 6 months Markets watching Fed for signals on interest rate rise (not if but when) Talk of Euro-USD Parity early 2016 Euro US Dollar Exchange Rates 8

Irish Business Exporting to the US Irish Client would typically tender in the US with 6 month lead times on tenders Manufacture in Ireland (Euro) Last year prices euro/usd at 1.20 Now prices at 1.07 Client locks in exchange rates for 12 months securing todays rates. Secures margin today for payments in 6-12 months Case Study 1: Client Protects against fluctuation 9

Irish exporter exports to UK Irish business invoices UK clients in sterling. Monthly sterling receivables 250k Client locked in sterling/euro exchange rate today for 50% of the exposure 750 sterling. (best of both worlds) Not fully exposed to fluctuation. Allows for upside on 50% Case Study 2: 50% Protection against fluctuation 10

International Payments & Receivables Using our global network of bank accounts we speed up payments improving cash flow for businesses Using our own network we dramatically reduce costs for clients Collect & Pay 3 days faster than using the bank Irish Bank Account Receiving Bank accountUS Supplier Irish Client Existing system for making and receiving international payments 11 Intermediary Bank Using TransferMate saves time and money Irish Client TransferMate US Supplier

Scalable Online Platform and Integrations Our online payments platform has been developed in-house and integrates with the leading accounting softwares in our key markets: North America: QuickBooks, Sage, Xero, SAP B1 Australia/New Zealand MYOB, Xero, QuickBooks, Netsuite UK/Ireland Sage, QuickBooks, Xero 12

Summary Register on Phone our team 24hrs Mon-Fri: Marian 13