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1 Connecting you to the world

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3 About BFC Exchange Established in May 2013, BFC Exchange Malaysia Sdn. Bhd. (BFC Exchange) specialises in worldwide money transfer and foreign exchange products, serving the needs of local businesses, individuals and migrant workers. Regulated by Bank Negara Malaysia (BNM) we offer a vast array of secure and efficient remittance products including credit to account, cash pick-up, EzRemit Money Transfer, MoneyGram, plus foreign currencies at competitive rates. Credit To Account Cash Pick-Up Foreign Currencies

4 Our History BFC Exchange is parented by BFC Group, a Shariah-compliant company head quartered in Bahrain which was set up in 2009 when Islamic Financial Service Group - Bank Alkhair B.S.C. (c) successfully acquired a controlling stake in Bahrain Financing Company in Bahrain, Bahrain Exchange Company in Kuwait and BFC Exchange Limited (formerly named EzRemit Ltd) based in the United Kingdom. Since the acquisition, BFC Group has also established BFC Forex Financial Services PVT Ltd in India and BFC Exchange in Malaysia. Over 95 Years 40,000 Agent Locations 30 Countries available through EzRemit 200 Countries available through MoneyGram As a Group, we span a history of over 95 years and have built a robust global network of agents and long-standing relationships with international correspondent banks. At present, we have over 40,000 agent locations across 30 countries through our own money transfer product EzRemit and have an extended reach to over 200 countries through our partnership with MoneyGram a leading international money transfer company. All the companies within the Group are regulated by their country specific regulators including, the Financial Conduct Authority (FCA Formerly FSA) in the UK, the Central Bank of Bahrain, the Reserve Bank of India, Bank Negara Malaysia and the Central Bank of Kuwait.

5 2013 Launch of BFC Wholesale Currency Services 2013 BFC Exchange Malaysia launched 2010 Rebrand of the business 2012 BFC Forex retail & BFC Exchange retail were set up in India and Malaysia to facilitate incoming remittances and provide foreign exchange services EzRemit was established to provide a leading remittance offering from the Middle East to major expatriate home destinations 1982 BFC enters into a joint venture with Thomas Cook FM to set up a wholesale banknote dealing room in Bahrain 2008 Bank Al Khair acquired a controlling stake in BFC Bahrain & Kuwait and EzRemit 1992 BEC was established in Kuwait and today is one of the leading FX companies in Kuwait 1917 BFC was established in Bahrain to trade in gold bullion and currency exchange

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7 Our Products Money Transfer Credit to Account Customers can send money in minutes to bank accounts in over 30 countries via our direct tie up arrangements. Cash Pick Up Customers can send money in minutes to over 40,000 agent locations worldwide. Direct Relationships - (BEC, Donga, Tranglo) 3rd Party Relationships EzRemit Money Transfer MoneyGram Foreign Currency Buy We buy all major foreign currencies at great rates and at 0% commission Sell We sell over 30 foreign currencies at great rates and at 0% commission

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9 Our Service As an agent of BFC Exchange you can expect to receive the following service commitments: Due Diligence Approved by Bank Negara Malaysia to act as a principal agent we process and submit agent applications and supporting documents. Infrastructure Access to web based in-house payment system which currently supports over 40,000 users across the world and regular system maintenance through systematic software updates. Support A dedicated Relationship Manager is assigned to every BFC Exchange agent to assist with any queries and support. Our highly trained and knowledgeable Customer Service Team are also on hand to answer any agent queries. Training Classroom and in-house training is provided for agent s employees including product, system, compliance and on-going statutory training modules. Brand Awareness BFC branded marketing collaterals to help create brand and product awareness.

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11 Our Benefits At BFC Exchange we are committed to working with agents to help their business grow and offer the following benefits: Expertise Established and well-trusted within the foreign exchange and money transfer industries since 1917 and awarded in the World Finance 100 in Market Access Access to a vast market with an ever-growing global network of over 40,000 agent locations within 30 countries. Innovation Committed to continually evolving our products and services to meet the needs of our customers and agents to maintain our position as a leader in the money transfer and wholesale industry. Compliance Accredited by ISO27001 with established policies and structures to ensure the highest standards of regulatory compliance and practices.

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13 Our On-boarding Process To become an agent of BFC Exchange please follow the below process: Meet with a BFC Exchange Relationship Manager to discuss terms and agreement Complete BFC Exchange Agent On-boarding Application Form Submit application form along with supporting documents Application process can take between 8-12 weeks Once approved agent will receive an authorised Agent Certificate

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15 Our Requirements In accordance with BNM criteria the following information is required to process an agent application: Completed BFC Exchange Agent On-boarding Application Form Description of proposed agent s business Statement to confirm proposed agent s Director/s are of Fit and Proper Person status Last 3 years company accounts Agency Agreement SSM Registration Certificate M & A

16 Our Values Care Caring is understanding the needs of our customers and responding in a manner that meets those needs to ensure customer satisfaction. Caring at BFC is about knowing that we are part of a team who look out for one another and offer assistance to those in need. Caring is going out of our way regardless of the pay off. Trust We are open, honest and direct in our dealings with our employees and customers. We work together to create a culture of trust, respect and dignity for all. Efficiency We are always looking for ways to improve on our efficiency through creativity and innovation Building a multi-cultural dynamic workforce to be able to speak our customer s language to deal with them efficiently.

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19 Contact Us Tel: (+60 3) / Fax: (+60 3) customerservice@bfc.my Address: 6th Floor, Wisma Maran, 28 Medan Pasar, Kuala Lumpur

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