International Payments



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International Payments Copyright Moneynetint. All Rights Reserved

MoneyNet international Ltd was established in 2005, providing companies and individuals with a full range of foreign exchange and payment services. For us the key is first class customer service backed up by timely market information, competitive rates, access to wholesale markets, flexible trading options and global settlements. Our team of market specialists can guide you through the global currency markets to ensure that you can maximize your opportunities and minimize your risks - thus adding real value to your business. Our services for businesses include: * A full analysis of your requirements * A currency audit would provide * Foreign currency transactions * Multi-currency hedging facilities * Personalized and fully trained dealing team * Fully trackable payments We offer all of these Financial services because MoneyNet international is Authorised by the Financial Services Authority (FSA) for all of its trading activities. As an Authorised Payments Institution all client funds are held in a segregated client account with Barclays Bank. We are also a Money Service Business (MSB) regulated by HMRC.

1. Services 1a. Currency Exchange 1b. Transfer Fund 1c. Receive Fund 1d. Account Management 1e. Risk Management 2. B2B 2a. Imports 2b. Exports 2c. Foreign Exchange 2d. Monthly Payments 3. Individual 3a. Buying Property Abroad 3b. Repatriation 3c. International Regular Payments 4. Why Moneynet? 4a. About us 4b. Regulation 5. Partners 5a. Affiliates 5b. Introducing Broker 5c. White Label 5d. Refer a Friend 5e. Become an Agent 5f. Sales Agent

MoneyNet international provides its clients with a wide range of currency exchange services, payment methods and other solutions, adapted for each individual user. In this area we will provide you with information on every service we offer our clients and details on how MoneyNet international can help you make the most of our financial services. CashFx is a unique currency trading and payments system, which combines FX trading and currency exchange. This combination allows our clients to benefit from both services: * Only 0ne account for all currencies * Obtaining real time rates for FX traders * Access to a wide range of currencies * Obtaining favourable rates * Getting 1:20 leverage on your real positions in your multi currency ac count * Supporting multiple currencies, payment options, access channels, FX trades, rates and value dates * Latest technology and systems applications ensure operational excellence and quality customer service * Full suite of solutions to support your payables, receivables and passive cross-border flows 1a. Currency Exchange MoneyNet international offers currency exchange solutions suited for every need our clients may have, be they institutional, small business or private client. We pride ourselves on quoting the most competitive exchange rates in the market and low transaction costs. Take a look at our different exchange services and see how MoneyNet international can help you to start saving money today.

Three features of currency exchange that MoneyNetint provides: Same-day currency exchange MoneyNet international offers you same day currency exchange services, which means that these orders can be booked and settled on the same day. In order to benefit from this service, the necessary funds must be available in your MoneyNet international account. Spot foreign exchange A spot transaction is the most commonly used in FX activity. A spot contract is a binding obligation to buy or sell a certain amount of foreign currency at the current market rate, for settlement usually in two business days time. Upon entering into a spot contract the client agrees to a settlement date and an exchange upon which the contract will operate. Forward A forward exchange contract (or forward contract) is a binding obligation to buy or sell a certain amount of foreign currency at a pre-agreed rate of exchange, on a certain future date. To take out a forward contract you need to advise us of the amount, the two currencies involved, the expiry date and whether you would like to buy or sell the currency. 1b. Transfer Fund Transfer Funds (payments) With your money net account you will benefit a safe and flexible means of sending founds to almost any worldwide destination. MoneyNet international is designed to provide you with the flexibility you need while offering the most competitive exchange rates and low transaction fees. In this area we will provide you information on how MoneyNet international can help you send payments to any beneficiary worldwide. Account deposit Send payments using secure electronic bank-to-bank transfer providing you the flexibility to send your beneficiary non urgent and less time-crucial payment in any currency. Moneynet International is a popular alternative payment brand, designed to enable importers to pay to their suppliers from China, Hong Kong, Vietnam, USA and Europe with their local currency. For example, electronics importer in London can pay his supplier in China with Chinese yuan. The company provides its service with low competitive cost and faster than traditional channels. Services [ 2 ]

Cash payments MoneyNet international offers its clients the option to make cash payments. Using one of our many locations branches and/or agencies money net clients can pre-arrange a cash payment to a beneficiary. In order to benefit from this service, the amount, currency, location and the identity of the beneficiary must be settled beforehand through one of our customer service channels. Cheque MoneyNet international offers its clients the option to send cheque payable to the beneficiary. Cheques will be sent to beneficiaries address worldwide in local currency. Internal transfer MoneyNet international users may transfer funds from one MoneyNet international account to another.such internal MoneyNet international transfers may be made to any MoneyNet international account in any currency, offering business clients to streamline payments, cut transaction costs and disburse funds efficiently and quickly. 1c. Receive Funds Inbound payments MoneyNet international users may take advantage of their MoneyNet international account and use it to receive inbound payments in any currency from any location. Inbound payments may be received via secure bank-to-bank wire transfer, cheque sent by mail or deposited directly to MoneyNet international's bank account or cash deposited at one of our many locations branches and/or depositing the cash directly to MoneyNet international's bank account. Taking full advantage of your MoneyNet international account allows you to manage multiple currency receivables all the while taking advantage of low transaction costs and competitive market rates. Services [ 3 ]

1d. Account Management MoneyNet international users receive on-line up-to-date account information accessible from any location. From the personal account page clients receive information on all historic transactions made as well as pending transactions. We also offer personalized account summaries giving you an up-to-date account overview making money management quick and easy. 1e. Risk Management Your business is open to risks from fluctuations in competitors prices, raw material prices, competitors cost of capital, foreign exchange rates and interest rates, all of which need to be properly managed. Working directly with your company, your broker will customize a foreign exchange package, adding value to your profit. As a financial boutique we have access to the equity, fixed income and foreign exchange markets. We draw on expertise from each sector to maximize the opportunities in the market, turning foreign exchange transactions from a laborious task into an opportunity to increase profits. Services [ 4 ]

B 2 B Introduction Foreign Exchange made simple: MoneyNet international offers your business a full range of foreign exchange solutions in one account. MoneyNet international prides itself on being highly competitive in the market, enabling you to control your currency exposure in the most efficient manner. At the same time we ensure that you have quick, easy and secure ways to manage your line account either via the Internet or the telephone. We have a sales team waiting to receive your call at our offices. At MoneyNet international we are aware of the challenges facing International business, so take advantage of our foreign exchange specialists who can assist you to make the right decisions for your business. Our dedicated team is knowledgeable and experienced in all the workings of the banking system and has the ability to handle both inbound and outbound foreign currency transactions. We will help you to maximise your market opportunities, protect you against profitconsuming exchange rate movements, simplify your transactions and add value to your business. Our clients rely on up-to-date market information to make informed decisions. From the very first enquiry we offer a totally personalised service that includes a full analysis of your requirements. This can include a currency audit that will provide a bespoke proposal which can range from a simple transaction to a multicurrency hedging facility. Our team is trained to guide you through the account opening process as well as following each transaction from start to finish. MoneyNet international is regulated by the Financial Services Authority (FSA) for the purpose of AML as an Authorised Payments Institution. Among other items this means that your money is safeguarded so that it is secure at all times. Business [ 5 ]

2a. Import More and more businesses are taking advantage of the global market by operating in the international business field, thereby maximizing profit margins by importing all kinds of goods from virtually any worldwide location. With MoneyNet international you can take your business to the next level, regardless of size or sector. With MoneyNet international as your foreign exchange provider your business will enjoy all our services and benefits. Take advantage of our very competitive exchange rates, save on transaction costs and rest easy knowing all payments are properly effected. 2b. Export Businesses which operate in the international theatre often receive payments from clients in their local currency; this exposure to shifting exchange rates is one of the risks in any globally operating business. Our service can help your business to make the most of your foreign currency payments and minimize the risk to your profit margin. We can convert foreign funds into your currency at a competitive exchange rate when you decide, and reconvert your profits or funds where necessary. With MoneyNet international as your foreign exchange provider your business will enjoy all of our services and benefits specialist information and knowledge on international banks and protection of your profit margins. Take advantage of our very competitive exchange rates, save on transaction costs and rest easy knowing all payments are effected. 2c. Foreign Exchange If your business is a currency exchange business, MoneyNet international can help you maximize your profit margin. Currency exchange rates are subject to fluctuations, but with MoneyNet international as your foreign exchange provider you can take advantage of the best exchange rates, multi currency accounts, and money transfer services. Business [ 6 ]

2d. Monthly Payments If you need to make regular monthly payments in foreign currency, MoneyNet international can help you save money on your ongoing financial commitments. Every foreign currency payment is exposed to ever fluctuating exchange rates, adding an unforeseen risk element which makes budgeting difficult. This difficulty is multiplied when the payments are regular monthly payments, such as an overseas mortgage, overseas salaries and pensions or running costs of real estate situated outside your home country. MoneyNet international can help you manage the risks involved in such regular payments, allowing you to automate your currency transactions and fix in a rate annually without any transfer fees, offering you a safe, secure and efficient alternative to your personal bank. business [ 7 ]

Open an account with our quick and easy online registration form. Registering to open an account with MoneyNet international will take just a few minutes of your time. There is no obligation to use us once you have registered, but you will be in a position to save money on purchasing or selling international foreign currency. 3a. Buying Property Abroad At MoneyNet international we aim to make the currency exchange part of buying your house abroad as simple and straight forward as possible. Whether you are purchasing a holiday home, investment property or finding a property to retire, we will offer you the best rates of exchange with no transfer fees. We can make your Money go further when Buying a Property Abroad * We can offer you lower rates up to 5% lower that the high street banks. * Our professional and dedicated dealer will guide you through the whole process of the deal. * Spot and Forward contracts with limit orders and stop losses * Secure segregated client account offering additional security on your Currency Transfers * Quick and easy online registration 3b. Repatriation Repatriation of funds If you are looking to sell your holiday home or any other assets overseas and to transfer the currency back to the MoneyNet international will assist you in transferring your funds at the right time, ensuring you get competitive rates of exchange at minimal cost. Make your money go further with MoneyNet international... * We can offer you lower rates up to 5% lower that the high street banks. * Our professional and dedicated dealer will guide you through the whole process of the deal. * Spot and Forward contracts with limit orders and stop losses * Secure segregated client account offering additional security on your Currency Transfers * Quick and easy online registration Individual [ 8 ]

3c. International Payments Sending regular international payments? MoneyNet international can remove the stress associated with organising any kind of regular international money transfer including Foreign mortgage payments, International pension transfers, Salary transfers, School fees, etc. With MoneyNet international we can make it easier for you. * We can offer you lower rates up to 5% lower that the high street banks. * Our professional and dedicated dealer will guide you through the whole process of the deal. * Spot and Forward contracts with limit orders and stop losses * Secure segregated client account offering additional security on your Currency Transfers * Quick and easy online registration Individual [ 9 ]

*Our senior management team consists of experienced professionals, with over 20 years market experience, and most of them have left major banks in favour of the small corporate environment that Moneynet offers. *The exchange rates Moneynet offers are significantly better than those offered by the banks. *Moneynet offers its customers a multi- currency account which enables you to trade in several currencies simultaneously without incurring any debit interest. *As distinct from the banks, we do not charge any fee for incoming transfers into your account with Moneynet. 4a. About us MoneyNet international Ltd was established in 2005, providing companies and individuals with a full range of foreign exchange and payment services. For us the key is first class customer service backed up by timely market information, competitive rates, access to wholesale markets, flexible trading options and global settlements. For business customers who need to make or receive payments, both large and small, MoneyNet International can help you through in every element of this complex area. Our team of market specialists can guide you through the global currency markets to ensure that you can maximise your opportunities and minimise your risks - thus adding real value to your business. Our services for businesses include: * A full analysis of your requirements * A currency audit would provide * Foreign currency transactions * Multi-currency hedging facilities * Personalised and fully trained dealing team * Fully trackable payments Why Moneynet [ 10 ]

We also offer a range of back-office processing services for specialised business such as remittance and payments companies. Our in-depth understanding of our clients businesses which has been obtained through practical experience in these areas means that we are in an unrivalled position to provide these value added services. We offer international remittance services to migrant workers through a network of agents across the UK. These agents are specially selected retail businesses who offer the highest levels of service to the communities that they serve. This enables us to provide a service that is tailored in a way that other businesses that cannot match. In addition, we provide cheque cashing and bureau de change facilities in our locations. We are able to offer all of these services because MoneyNet International is Authorised by the Financial Services Authority (FSA) for all of its trading activities. As an Authorised Payments Institution all client funds are held in a segregated client account with Barclays Bank. We are also a Money Service Business (MSB) regulated by HMRC. MoneyNet international is regulated by the Financial Services Authority (FSA) for the purpose of Anti Money Laundering. All client funds are held in a segregated client account with Barkleys Bank. 4b. Regulation Moneynet International Limited is entered into the UK regulators, the FinancialServices Authority (FSA), register as an Authorised Payment Institution (API) under reference number 517227. The following link allows you to check all Payments Institutions that are on the register http: //www.fsa.gov.uk/register/psdfirmsearchform.do Attaining the Authorised Payment Institution Status means that Moneynet International has satisfied that FSA that it meets all of its criteria to achieve the highest level of authorisation that can be attained by a Payment Institution. At the end of November 2010 there were only 82 businesses that had achieved this status. Why Moneynet [ 11 ]

As an API, Moneynet has a number of enhanced procedures that it needs to follow to help protect consumers. The most important of these is that all of the money that you send must be protected by us until it is collect by the receiver or credited to their bank account. Your money is held in a separate account that will have priority over other creditors in the unlikely event that Moneynet ceases to trade. We comply with all elements in the Payment Services Regulations and in particular with the conduct of business rules. These ensure that, as a valued customer, you know all the details about your transaction, including all the costs, how long it will take and how the person receiving the money is able to do so, both before you commit to the transaction and also once we have processed it. We also let you know how to contact us in the unlikely event that you experience a problem with the payment. As an API Moneynet is entitled to apply to passport its license to any of the other 30 EU and EEA countries and to undertake Payment Institution activities there. If you would like further information about any aspect of being a payment institution then please use the following link on the FSA's website: http://www.fsa.gov.uk/pages/doing/regulated/banking/psd/index.shtml Remember, you can only be sure your money is protected when you work with an Authorised Payments Institution. Why Moneynet [ 12 ]

Money net provides its clients with a wide range of foreign exchange services and solutions, customized for every user. In this area we will provide you with information on every service that we offer our broad range of clients, and details on how Moneynet can help you make the most of our foreign exchange services. 5a. Affiliates MoneyNet int offers one of the best Affiliate Programs in the business. If you are a webmasters or website owner and you get the right kind of traffic and would like to earn more money, join our Affiliate Program and turn your traffic into money. Becoming a MoneyNet int Affiliate gives you the opportunity to be a part of a 4 trillion dollar a day industry. To Contact MoneyNet int Affiliates department, please send an email to affiliates@moneynetint.com or visit... 5b. Introducing Broker Our Introducing Broker (IB) program allows organisations and individuals around the world to be remunerated for introducing new clients to us. We offer a comprehensive solution, from provision of trading platforms to execution and settlement of transactions. An account manager is appointed to each IB to help them develop their business and to ensure we provide the highest levels of service. To Contact MoneyNetint BIS department, please send an email to bis@moneynetint.com 5c. White Label For White Label partners, who are looking to promote their business, and widen their product offering, we provide customized packages that can be offered to their own client base. These include a wide range of foreign exchange, derivative and equity products, support services and trading platforms. Our platforms are fully customized and can be re-branded. To Contact MoneyNetint White Label department, please send an email to whitelable@moneynetint.com or visit Why Moneynet [ 13 ]

5d. Refer a Friend / Business At Moneynet, we value your client loyalty above all else. And that is why the focus of our new Refer a Friend program is you! As of now, you will be rewarded with an instant free bonus for every friend you refer, either individually or as part of a business, who opens and operates an account. What's more, your friends will also profit as they will receive an additional bonus to kick- start their trading success. Refer a friend bonus -terms and conditions: Bonus for referred friends is available only for new accounts depositing 100 and above. Bonus for a referred friend will be credited to his/her trading account after identification documents are verified. Bonus withdrawal: You and your referred friend are required to perform a minimum trade of 10,000 per 1 bonus. For example, for a 100 bonus you will need to have a minimum trading volume of 1,000,000 in order to receive the bonus. Please note: you or your referred friend can withdraw funds from your account before reaching the minimum trading volume. However, by doing so you forfeit the bonus. Moneynet reserves the right to modify, amend or discontinue this programme at any time. 5e. Become an Agent Moneynet offers a money transfer solution, which provides customers with a quick, safe and cost- effective range of money transfer products. Having the right partners is critical to delivering an efficient money transfer service. We will only partner with agents who are committed, proactive and enthusiastic about promoting the money transfer business. Typical partners include: *High street banks *Post offices *Foreign exchange bureaux *Retail outlets Why Moneynet [ 14 ]

If you are interested in becoming part of this exciting and growing industry, please contact us by email: agent@moneynetint.com Or click here to fill in a request contact form and we will get in touch with you. BENEFITS for AGENTS: 1.Excellent revenue- earning opportunity *High percentage commission on every money deposit/withdrawal. *NO set- up costs. *Competitive prices. *Additional customer benefits to attract new customers. *Add value to your existing customers by offering them Moneynet CashF service. 2.Extensive support *Marketing and advertising campaigns in your area *Signage point- of- sale material for your store *Complete training in the use of the service and the system for you and all your staff *Ongoing support from the Moneynet operation, customer care and marketing teams. *Free phone number available 24/7. If you are interested in becoming part of this exciting and growing industry Please contact us by email: agent@moneynetint.com 5f. Sales Agent Why Moneynet [ 15 ]