1. Issues & Solutions Darren Connor INTERNATIONAL PAYMENTS

2.  International payments – issues  Currency fluctuations  Hidden costs  Other considerations  Currency exchange specialists  Services offered  Working with Realtors  Questions? 1 AGENDA

3.  Need to exchange currency – how easy is this?  Europe - 48 countries & 26 own currency  Russia – 9 th largest economy in the world, Ruble not easily traded  25% of all foreign buyers in USA are from Europe and Russia  Reason for buying? Strength of domestic currency against USD 2 INTERNATIONAL PAYMENTS - ISSUES

4. 3 CURRENCY FLUCTUATIONS – EUR/USD

5. 4 DateExchange rate$ Amount€ AmountDifference 16 January 20121.27200,000157,480 23 February 20121.34200,000149,253€8227

6. 5 HIDDEN COST Interbank price EUR/USD = 1.3140 ProviderExchange rate$ Amount€ AmountMargin cost Provider 11.2900200,000155,038€2831 Provider 21.2800200,000156,250€4043 Difference of €1212 between providers

7.  Hello/Hola/Bonjour/Здравствуйте  Culture and customs  Different process when buying a property  Legalities  Getting funds out of their country 6 OTHER CONSIDERATIONS?

8.  Currency exchange specialists  Competitive exchange rates  Risk management services  Same day transfers  Security  Ease of use 7 SOLUTIONS

9. 8 HOW IT WORKS Book a Trade TelephoneOnline Speak to a Dealer GuidanceSupport Open an Account FreeNo obligation

10.  Referring Partnership program - Account Manager - Marketing materials - 15% referral fees – compliant with RESPA 9 WORKING WITH REALTORS

11. 10 QUESTIONS?