IFL Non-profit Brochure

The InTernaTIonal PaymenTs soluTIon

INTL FCStone Ltd

The Global Payments team at INTL

FCStone Ltd (IFL) specializes in

making payments in more than 175

countries. We provide customized

foreign exchange and treasury

services to international aid and

development organizations, UN

agencies, NGO’s, religious entities,

government agencies, multinational

corporations, and financial

institutions.

Our goal is to provide our clients

with a single solution for their local

currency needs worldwide. With more

than 25 years of experience, we have

developed extensive local market

knowledge and expertise.

IFL is a wholly owned subsidiary of

INTL FCStone Inc., a global financial

services organization. With particular

expertise in foreign exchange and

payments in the developing world,

IFL offers customized services to

our clients from our group offices in

London, New York and Singapore.

INTL FCStone Ltd | Page 1

GLOBAL PRESENCE


GLOBAL PRESENCE

INTL FCStone Business ActivityAreas not currently serviced by IFL* Offices

* Due to US/UK sanctions regimes, we cannot make payments to Iran, Cuba, and North Korea.

INTL FCStone Ltd


SPECIALIzED FOREIGN ExChANGE SERvICES

CUSTOmIzED FOREIGN

ExChANGE AND PAYmENT SERvICES IFL provides specialized foreign exchange services to international aid and development organizations, UN agencies, NGO’s, religious entities, governmental agencies, multinational corporations and financial institutions in more than 175 countries.

COST-EFFICIENT AND COmPETITIvE

RATESIFL accesses wholesale exchange rates through a vast network of Financial Institutions in each local market, enabling us to capture highly competitive market rates. All costs are built into the quoted Fx rate.

FAST AND RELIABLE

SERvICE IFL maintains local bank accounts in approximately 100 countries, which enables us to make and receive payments in an efficient and secure manner. Payments are delivered within two business days or earlier to all locations.

ACCESS TO ELECTRONIC

RATES AND PAYmENT REqUESTSOur electronic platform, Fxecute, enables clients to access real time rates and process international payment requests.

24-hOUR SERvICE

IFL operates 24/5 and has dedicated staff, located across three time zones, assigned to assist its clients.


INTL FCStone Ltd

ELECTRONIC PAYMENTS

INTL Global Currencies | Page 5INTL FCStone Ltd | Page 5

FXecute

is INTL FCStone’s proprietary platform payment platform that makes it simple to make payments anywhere in the

world

Client Beneficiary

FXecute

Local CurrencyDelivered in Country

Local CurrencyDelivered in Country

Payment Request

Lock Rate

Payment Confirmation

ELECTRONIC PAYMENTS

INTL Global Currencies | Page 6

FxECUTE IS IFL’S PROPRIETARY

ELECTRONIC PLATFORm, WhICh CLIENTS CAN USE FOR TRANSFER REqUESTS.

CLIENTS hAvE ACCESS TO LIvE

RATES AND ExECUTION CAPABILITY IN mORE ThAN 175 COUNTRIES.

FxECUTE OFFERS A vARIETY OF USER

ROLES AND PROvIDES CLIENTS WITh AN ELECTRONIC SUBSTITUTE FOR ThEIR INTERNAL APPROvAL PROCESS.

ALL DATA IS CONSOLIDATED IN

ThE SYSTEm AND CAN BE USED TO GENERATE A vARIETY OF ANALYTICAL REPORTS.

ThERE ARE SEvERAL BUILT-IN SECURITY

FEATURES TO mAINTAIN ThE INTEGRITY OF ThE DATA IN ThE SYSTEm.

OUR PLATFORm CAN BE

INTEGRATED WITh mOST ACCOUNTING SOFTWARE. FxECUTE ALLOWS COmPANIES TO ImPLEmENT PROCESSES TO SImPLIFY ThEIR INTERNATIONAL FUNDING AND PROvIDES A CLEAR AUDIT TRAIL.


Fxecute

INTL FCStone Ltd


Organizations now have the option to fund their international programs in local currency vs. hard currency (EUR, GBP, USD, etc). By choosing to execute their international payments in local currency, organizations can participate in the conversion process and ensure that their payments are executed at the best rate possible.

hARD CURRENCY

LOCAL CURRENCYvs.

INTL FCSTONE LTD hAS ExTENSIvE WORLDWIDE ExPERIENCE WITh mAKING PAYmENTS IN LOCAL CURRENCY. BASED ON OUR ExPERIENCE, WE WOULD LIKE TO hIGhLIGhT ThE FOLLOWING RISKS WITh SENDING FUNDS TO BE CONvERTED LOCALLY:

COmPLIANCE RISK

Global compliance standards

have been raised significantly

in recent years. With the

introduction of new laws and

regulations in many countries

worldwide, organisations must

be aware of and adherent to

current regulations regarding

international currency transfers.

By actively monitoring the

currency exchange process from

its head office, an organisation

can ensure not only that it is

compliant but that all financial

dealings are undertaken with

approved counterparties.

F INANCIAL CONTROLS

The financial markets and

banking systems in many

developing countries are

inherently volatile and can be

negatively impacted by political

instability, corruption and

perpetual underdevelopment.

Therefore, maintaining large

sums of hard currency in-

country leads to many potential

complications including

misappropriation of funds,

substantial country and credit

risk, and an overall lack of

accounting transparency. By

transacting in the international

market for local currency,

the funding and accounting

process is made more secure

and accurate while reducing

the potential for corruption and

fraud. Additionally, any excess

funding can be held in hard

currency at the head office level

in order to avoid unnecessary

country risk and local currency

payments can be executed on a

“just-in-time” basis.

CAPTIvE CLIENT

By sending hard currency

directly to the beneficiary

bank for conversion locally,

an organization potentially

opens itself up to uncontrolled

loss and relies on the local

bank as its sole rate source.

In many cases, the bank then

converts the funds at the rate

of the day, which is usually

much less favorable than what

can be attained by soliciting

competitive bids. In fact, it is not

uncommon for the difference

to be as much as 5 percent

and in some cases even more.

In addition, there are added

fees associated with sending

hard currency to be converted

locally. Consequently, it is more

advantageous to fund in local

currency, thereby ensuring

access to competitive rates and

maximum levels of funding for

field projects.


INTL FCStone Ltd

mARKET COvERAGE

ThE AmERICASARS Argentina

AWG Aruba

BSD Bahamas

BBD Barbados

BzD Belize

BmD Bermuda

BOB Bolivia

BRL Brazil

CAD Canada

KYD Cayman Islands

CLP Chile

COP Colombia

CRC Costa Rica

DOP Dominican Republic

xCD East Caribbean

GTq Guatemala

GYD Guyana

hTG haiti

hNL honduras

JmD Jamaica

mxN mexico

ANG Netherland Antilles

NIO Nicaragua

PYG Paraguay

PEN Peru

SRD Suriname

TTD Trinidad and Tobago

UYU Uruguay

vEF venezuela

EUROPEALL Albania

BYR Belarus

BAm Bosnia

BGN Bulgaria

hRK Croatia

CzK Czech Republic

DKK Denmark

EUR Euro zone

hUF hungary

LvL Latvia

LTL Lithuania

NOK Norway

PLN Poland

RON Romania

RSD Serbia

ChF Switzerland

SEK Sweden

TRY Turkey

GBP United Kingdom

OCEANIAAUD Australia

FJD Fiji

xPF French Polynesia

NzD New zealand

PGK Papua New Guinea

SBD Solomon Islands

TOP Tonga

vUv vanuatu

WST Western Samoa

mIDDLE EAST & NORTh AFRICADzD Algeria

BhD Bahrain

DJF Djibouti

EGP Egypt

IqD Iraq

ILS Israel

JOD Jordan

KWD Kuwait

LBP Lebanon

LYD Libya

mAD morocco

OmR Oman

qAR qatar

SAR Saudi Arabia

TND Tunisia

AED United Arab Emirates

YER Yemen

* These countries are subject to certain UK or US sanctions that may prohibit certain types of transactions. Please contact a representative of IFL who will advise if payment can be made.

IFL’s market coverage is subject to change at any time without prior notice.

ASIAAFN Afghanistan

AmD Armenia

AzN Azerbaijan

BDT Bangladesh

KhR Cambodia

CNh China account in hong Kong

CNY China

GEL Georgia

hKD hong Kong

INR India

IDR Indonesia

JPY Japan

KzT Kazakhstan

KGS Kyrgyzstan

LAK Laos

mYR malaysia

mNT mongolia

mmK myanmar*

NPR Nepal

PKR Pakistan

PhP Philippines

RUB Russia

SGD Singapore

KRW South Korea

LKR Sri Lanka

TWD Taiwan

TJS Tajikistan

ThB Thailand

vND vietnam

SUB-SAhARAN AFRICAAOA Angola

BWP Botswana

BIF Burundi

CvE Cape verde

xAF Cameroon, Chad, Central African

Republic, Congo, Equatorial Guinea, Gabon

xOF Benin, Burkina Faso, Guinea Bissau,

Ivory Coast, mali, Niger, Senegal, Togo

KmF Comoros

CDF DR Congo

ERN Eritrea

ETB Ethiopia

GmD Gambia

GhS Ghana

GNF Guinea

KES Kenya

LSL Lesotho

LRD Liberia

mGA madagascar

mWK malawi

mvR maldives

mRO mauritania

mUR mauritius

mzN mozambique

NAD Namibia

NGN Nigeria

SDG North Sudan*

RWF Rwanda

STD São Tomé

SCR Seychelles

SLL Sierra Leone

zAR South Africa

SSP South Sudan

SzL Swaziland

UGx Uganda

TzS Tanzania

zmW zambia

INTL FCStone Ltd


LONDONmoor house, 1st Floor

120 London Wall

London EC2Y 5ET

United Kingdom

Tel: +44 20 3580 6100

Fax: +44 20 3580 6001

Reuters Dealing: INTC

SINGAPORE1 Raffles Place

#52-00 One Raffles Place

Singapore, 048616

Tel: +65 6309 1006

Fax: +65 6309 1001

Reuters Dealing: INTh

NEW YORK708 Third Ave

15th Floor

New York, NY 10017

USA

Tel: +1-212-485-3549

Toll Free: +877-279-9198

Fax: +1-212-485-3505

Reuters Dealing: INTL

Contact Us

INTL FCStone Ltd

www.intlfcstone.com

INTL FCStone Ltd

INTL FCStone Ltd

INTL FCStone Ltd (“IFL”) is registered in England and Wales No. 5616586 and is authorised & regulated by the UK Financial Conduct Authority [FRN 446717]. IFL is a wholly owned subsidiary of INTL FCStone Inc. (“INTL”). For the provision of payment services, INTL acts as Agent for IFL in New York. INTL Asia Pte Ltd acts as agent for IFL in Singapore. Neither this information nor any opinion expressed

constitutes a solicitation to buy or sell foreign exchange or any futures or options or OTC products.

IFL is a wholly owned subsidiary of INTL FCStone Inc. INTL FCStone Inc. is a public company based in the United States, listed on the NASDAQ stock exchange (symbol “INTL”) and regulated by the US securities and Exchange Commission. All financial information and

filings are public and can be viewed on the website of the Securities and Exchange Commission or on our website www.intlfcstone.com.

INTL FCStone Ltd. is certified by the BSI to ISO/IEC 27001:2013 [Certificate No. IS 583823]

IFL Non-profit Brochure

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