eZforex.com is a web-based technology that provides a quick, safe, secure, and efficient method to sell foreign currency, foreign drafts, and foreign wires. Credit Union members may choose to purchase from over 100 foreign currencies, or send foreign wires through our Western Union Business Solutions partnership.

2. Table of Contents
Slide 4 Intro to eZforex.com
Slide 5 Marketing Uniquely
Slide 6 Why eZforex?
Slide 7-8 eZforex Offers…
Slide 9 Credit Union Benefits
Slide 10 eZforex Commitment
Slide 11-12 eZforex Q and A

3. Table of Contents
Slide 13- 14 The eZforex Difference
Slide 15 Currency Price Protection
Slide 16-20 Custom House Partnership
Slide 21-22 References
Slide 23 Informative Link
Slide 24 Press Release – FSCC Shared
Branching Interface
Slide 25 Contacts

4. Intro to eZforex.com, Inc.
High Tech Company founded in 1991 and Headquartered in Longview, TX
An outsourced Foreign Exchange service provider for Credit Unions and
Credit Unions, Airlines, travel-related portals, and business travelers
Credit Unions’ members conduct business globally in record numbers.
Now Credit Unions may offer a convenient venue for members to purchase
Foreign Exchange services, while generating non-interest income
Maintain a management team with Cross Industry experience in
Banking/ Foreign Currency/ Technology

5. Marketing Uniquely…
Press Releases
In-house
Private Labeling Marketing *Plasma
Provided at Screens, *Scrolling
no charge Marquee, & *Posters
FSCC Shared
Web Content Branching
Interface
Provided See Slide 24
Free Window
Statement Inserts
Decals

6. Why eZforex?
…
Generates Fee Income
Reduces member Attrition
Offers Enhanced Outsourced Solutions
Provides New Cross-Selling Opportunities
Strengthens member/ Credit Union Relationship
Requires No Additional Staffing Pre or Post Launch

7. eZforex Offers…
• Integrating Compliant Foreign Currency
Technology For members And Tellers
• Private Labeling
• Marketing Programs
• Secure Web Based Platform

8. eZforex Offers…
• Protect The Value Of Currency Purchased
With “Currency Price Protection”
• SAS 70, BSA, & U.S. Patriot Act Compliant
• 20 Real-Time Managerial Reports
• Real -Time OFAC Security Check
Authenticating Safe & Secure Sale

9. Credit Union - Benefits
Provide the member a Unique Service Option;
Increasing member Satisfaction and Loyalty
Increase member Retention
Opportunities to Provide the Latest Ancillary Services
Earn Non-Interest Revenue
Free Training & Customer Service
8:00 AM to 6:00PM CT

10. The eZforex Commitment

11. eZforex Q & A
Foreign Currency Transactions:
1. Q. When eZforex receives foreign currency from FI’s, do the
rates change once eZforex receives the currency several days
later?
A. No, as long as eZforex receives currency within 7 days
from the time the transaction is entered in eZforex, the FI is
credited the same amount
2. Q. What happens when an order is shipped by eZforex and UPS
or FedEx loses the package?
A. First call eZforex so that we can track the package.
Should the package indeed become lost, eZforex will ship a
second package at no cost to the FI. Should the package be
misdirected, eZforex will advise as to the shipment date.

12. eZforex Q & A continued
3. Q. What are the cutoff times to receive currency the next
day?
A. Major currencies are shipped each day by 3:00pm ET.
Exotics take an extra day.
4. Q. How long can FI’s expect to receive credit from buyback
transactions.
A. Within 3 business days from eZforex’s receipt of the
currency.
5. Q. What are the wire and draft fees?
A. Zero, there are no fees when sending wires through
our partner Custom House

13. The eZforex Difference
• eZforex’s staff prides itself on rapid response time and
Excellent Customer quality member service. Whether coming from an eZforex
representative, a web transaction from the FI’s web site, or
Service assisting in the marketing and promotion of foreign
exchange programs, eZforex always goes the extra mile.
• eZforex has the latest foreign exchange technology
Cutting Edge including easy point-of-sale teller transactions for each
branch and web based transactions. Resulting in smooth
Technology and simple transactions.
• Compliance and OFAC checking is embedded into eZforex
Compliance on each transaction with stored reporting for 7 years

14. The eZforex Difference
• eZforex is one of the largest foreign exchange eCommerce
currency providers in the United States, thus requiring
Fraud Protection transparent fraud protection. eZforex has real time fraud
protection with an interface with Experian. Demo’s are
readily available.
• There are 20 reports including, but not limited to:
Accounting transactions over $1,000, less than $1,000, OFAC stored
records, P&L statements, as well as Inventory reports with
Reports sell back options.
• eZforex provides three types of training all at no cost.
• Web based teller & accounting tutorials
• Web conferencing
Training • Onsite training– usually 1 to 2 days we meet in a central
locale, generally the Credit Union’s headquarters (Note:
Not included is airfare and hotel).

15. CPP Solves Incremental Buying…Gives
members Added Peace of Mind
eZforex “Currency Price Protection” program allows the
member, for a small fee, to protect the exchange rate at time of
purchase for any left over currency the member needs to return.
CPP results in higher member transactions as member’s concern
over currency loosing value is negated.
Allows members to fulfill their currency needs with one
transaction avoiding repetitive overseas transactions with ATMs
or Credit Unions.
Savings to members and corporations are significant!

16. eZforex.com &
Custom House Partnership
 In 2008, Custom House & eZforex formed a partnership
by taking strengths from each company and
incorporating key components into a complete foreign
exchange package enhancing the best of both
companies.
 Custom House contribution is providing expertise with
wires and drafts, while eZforex’s contribution is buying
and selling of foreign currency by utilizing state-of-art
technology.
 Together the team has the best of both world including
superior state-of-art technology and world-class
member service.

17. What We Do
Custom House’s payment platform enables financial
institutions to transfer local currencies around the world,
easily and economically, on behalf of their clients.
Custom House works diligently to customize a full range
of international services that precisely meets your needs,
while also integrating with your existing internal business
processes.
 Custom House and eZforex are your Strategic Business
Partners. Outsourcing foreign exchange allows our FI’s to
focus on core competencies. Foreign exchange is all we do
and we do it better than anyone else.
 Our operations center operates 24 hours day to ensure
your clients’ payments are sent quickly and accurately.

18. Wire Transfers
 Safest and quickest method of sending int’l payments
 Relationships with over 38 worldwide Credit Unions
 Available in 150 currencies.
 No cut off times to order
 Traces and Wire Confirmations available
 24-48 hour Value Date on foreign currency wires.
 Same Day available CAD, GBP, MXN, NZD & AUD
 Next Day available on EURO’s
 Some exceptions such as India

19. Wires and Drafts
Custom House’s payment platform enables financial
institutions to transfer local currencies around the world,
easily and economically, on behalf of their clients.
Custom House works diligently to customize a full range of
international services that precisely meets FI’s needs, while
also integrating with existing internal business processes.
 Custom House and eZforex are your Strategic Business
Partners. Outsourcing foreign exchange allows our FI’s to
focus on core competencies.
Foreign exchange is all we do and we do it better than
anyone else.
 Our operations center operates 24 hours day to ensure your
clients’ payments are sent quickly and accurately.

20. Online Capabilities
Custom House’s online system may be customized to meet
transaction and security needs of any financial institution.
Features:
dual security (2 people required to enter every
transaction)
password expiry & strong passwords
dollar & product limits
128 bit encryption
online IBAN & Swift code verification
email notification of all orders
all beneficiaries saved in the database which is scanned
against
OFAC and other lists every 9 minutes.

21. References
State Dept. Federal Credit Union, Arlington, VA
Karen Monahan , Manager Special Services,
Phone: (703) 706-5000
E-mail: kmonahan@sdfcu.org
JSC Federal Credit Union, Houston, TX
Stacie Cone, Manager
Phone: (281) 488-7070
Website: sscfcu.org
Texas Tech Credit Union, Lubbock, TX
Shirley Whitson, Manager
Phone: (806) 742-3606
E-mail: swhitson@texastechfcu.org

22. References
Plains Capital Credit Union – Dallas, TX
Jackie Coomer, Manager
Phone: (806) 795-7131
E-mail: Jcoomer@plainscapital.com
SAC Federal Credit Union – Omaha, NB
Peggy Woltman, Manager
Phone: (314) 298-0055
E-mail: pwoltman@sacfcu.com
Vantage CU – St. Louis, MO
Sara Koop, Manager
Phone: (314) 298-0055
E-mail: skoop@vcu.com

23. Informative Link
Pod Cast:
www.NAFCU.org/eZforex

24. Press Release
FSCC Shared Branching Interface
Two Leading Financial Service
Companies Pair up to Introduce
Foreign Currency Exchange
Program to Credit Union Industry

25. Contacts
Evan Shelan, CEO
877-393-6739 Ext. 4090
Evan.Shelan@eZforex.com
Carrie Anne Kennard, Director of Marketing and Training
903-746-1068
Carrie.Anne@eZforex.com
Rachel Smith, Director of Operations
877-393-6739 Ext. 4088
Rachel@eZforex.com
Rebecca Hamby, Manager of Vault Operations
877-393-6739 Ext. 4086
Rebecca.Hamby@eZforex.com