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# Foreign Exchange for Corporates

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Efficiently manage and address your FX needs with WF’s comprehensive and bespoke solutions. With the ability to buy and sell more than 100 currencies, the WF platform offers foreign currency services and solutions for multinational corporate customers.

## FX Payment Solutions

We can provide you with the FX payment experience, technology, and operational support you require. Our flexible integration tools and online applications can help you facilitate foreign exchange and global cash management transactions quickly and efficiently.

## Integration tools

- Payment Manager® – A host-to-host processing service for bulk files of domestic and international ACH and wire payments. Streamline your global payments by sending a file with all payment types.
- FX API – Interface and connect your core back-end systems or customer-facing internet platforms directly to WF for real-time foreign currency payments.
- FX SWIFTSM – Streamline your back office by routing all payments and other transactions to WF through SWIFTNet, SWIFT’s secure and reliable connectivity channel.

## Online applications available through Commercial Electronic Office® (CEO®)

- Foreign Exchange - An intuitive, web-based solution that makes it easy to manage your foreign exchange needs. Customize workflows, request live market rates, and view comprehensive reporting on all your foreign exchange activities.
- Wire Transfers - Send international and domestic wires using our standard payments platform available in CEO .
- WATS FX ProfessionalSM – A high performance electronic platform for all your sophisticated trading demands.
- Global ACH – Pay individuals or businesses across Europe (including SEPA, Single Euro Payment Area), North America, Asia, and the Pacific in their local currencies by sending non-urgent, cost-effective payments.

## Additional services

- Incoming Wires – Receive foreign currency for deposit into a WF USD account by providing the WF international SWIFT (WFBIUS6WFFX).
- Request for Transfer (RFTs) – Move money out of non-WF global accounts through wires.

Read Business Viewpoints for resources and insights to help your organization succeed.

## Currency Risk Management

Manage currency risk and protect profits by using foreign exchange hedging products to stay ahead of fluctuating currency markets.

## Hedging strategies

Hedge foreign exchange risk in a wide range of foreign currencies, and implement customized strategies to help safeguard and strengthen your business.

- Forward contracts – “Lock-in” foreign exchange rates for the exchange of currencies on a future date to protect profit margins.
- Currency options and option strategies – Tailor a customized currency hedging strategy that fits your risk mitigation needs. Option strategies can often be structured with little or no upfront payment.
- Non-deliverable forwards – Hedge foreign exchange risk in markets for which standard delivery of a currency is not available.
- Cross-currency swaps – Hedge long-dated foreign exchange risk by creating an appropriate asset-liability capital structure.

The transactions described herein involve potential costs and risks. Please review roles, responsibilities, and risks.

## Banknotes (Foreign Currency Cash)

Whether you have employees or customers regularly traveling abroad or find yourself taking in foreign currency as payment, WF has efficient solutions that integrate seamlessly into your existing business processes.

- CurrencyTeller® online application – Add this simple and secure web-based platform that can be customized with your logo to your back office, customer service center, or at point-of-sale. Use CurrencyTeller to instantly calculate rates, order or buy-back foreign currency, and receive prompt delivery.
- Foreign currency cash vault – Take advantage of our streamlined processes by depositing your foreign receivables with your U.S. Dollar transactions, for processing at one of WF’s three specialized foreign currency cash vault locations.
- Dedicated customer service center – Call our foreign currency call center and receive prompt and knowledgeable assistance with banknote orders, support, and guidance.

All of our products and services include consultative, one-on-one service from our experienced foreign currency specialists, who take the time to understand your needs and recommend a customized approach.

## Additional resources

- Learn about foreign currency exchange services for consumers.
- WF does not have offices outside of the U.S. that provide services to retail or small business customers. For assistance with your accounts when traveling internationally, refer to our international access codes for phone numbers, or visit our travel resource center.

WF & Company, WFBNA and their affiliates (collectively, “WF”) conducts business globally. Outside the U.S. WF & Co conducts business through various companies, including duly authorized and regulated subsidiaries and affiliates in Asia, Canada, Europe, Middle East, Africa, and Latin America. All products and services may not be available in all countries. Each situation needs to be evaluated individually and is subject to local regulatory requirements.

Additional fees can include, but are not limited to, a fee for bank-initiated transactions, amendment fees, statement fees, and fees assessed by other financial institutions (“beneficiary and intermediary banks”). In addition to the wire transfer fee, WF makes money when converting U.S. dollars to a foreign currency. WF’s retail foreign exchange rates differ from other banks, foreign currency providers, and rates found elsewhere online.

$10 minimum wire amount and maximum limits may apply. Online wires sent internationally from personal accounts are not available 24 hours a day, 7 days a week. Contact Online Customer Service for details at 1-800-956-4442.

WF does not buy back all currencies; buy back rates differ from purchase rates. WF only buys paper currency, not coins.

The market risk of a transaction may be accentuated by complex payout calculations or other features. Transactions with such features may be subject to significant changes in value as a result of relatively small changes in the price, value, or level of an underlier or other market factors. Such features include leverage, multipliers, option-like payouts, non-linear dependence on an underlying price, value, or level, or dependence on the path of an underlying price, value, or level. Transactions with such features may include caps, collars, floors, exotic options, transactions with knock-in or knock-out rights, or range accrual swaps and options.

“Underlier” means any rate (including interest and foreign exchange rates), currency, commodity, security, instrument of indebtedness, index, quantitative measure, occurrence or nonoccurrence of an event, or other financial or economic interest, or property of any kind, or any interest therein or based on the value thereof, in or by reference to which any payment or delivery under a transaction is to be made or determined.

WF Bank, N.A. Member FDIC. Deposits held in non-U.S. branches are not FDIC insured.

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## Contact us

- Complete our contact form
- Find one of our international locations