Foreign Exchange

FINANCIAL RESOUCES TO COMPETE IN THE GLOBAL MARKETPLACE.

Foreign exchange is the transaction of monetary business between commercial clients of different countries. Negotiable bills are drawn in one country to be paid in another country. Regions Bank has one of the most experienced Foreign Exchange Trading Desks in the Southeastern United States, as well as a full range of Foreign Exchange products and services to help you deal in a global economy. Regions offers:

Expertise – Regions gives you unparalleled experience. Regions' traders average more than 20 years of experience and can advise you on effective strategies to manage your foreign exchange exposure.
Competitive rates – Regions gives you value. Regions is a market maker in worldwide currencies. This ensures that you'll get the most current and competitive prices on your transactions.
State-of-the-art information systems – Regions gives you better information. Regions’ financial information systems continuously monitor world currency markets to keep you informed about current market news and currency movements.
Automated communications – Regions settles transactions faster. Computerized communications facilitate the fast and efficient transfer of global funds to put your money to work faster.
Market commentaries – Regions keeps you informed. We offer written commentaries about trends and developments in the world currencies to provide valuable perspective as you formulate future plans.

RegionsFX System

Enables you to conduct foreign currency spot, forward, swap and foreign drafts via a web-based platform
- Settlement via wire transfer to the beneficiary of your choice
- Payments are drawn down against your Regions US dollar account (ACH also available)
Foreign Currency Transaction Account Access:
- Ability to wire directly from the account via wire transfer (no conversion involved)
- Ability to purchase/sell currency and settle directly to/from foreign currency account
- Ability to view activity and balances on-line for foreign currency accounts
Repetitive instructions templates for wires and/or drafts
Access configured on a per user basis to meet your needs (trade limits, authorization limits, etc)
Produce reports of daily transactions as well as historical reports for all transactions
Enhanced security control

For more information on Regions Bank Foreign Exchange, call 888-223-8088.

Product/Service	Description	Benefits
Spot Contracts	Buy or sell foreign currency for immediate use.	Makes purchasing and selling foreign currencies easy and convenient and ensures competitive prices on your foreign exchange transactions.
Outright Forward Contracts	Buy or sell foreign currency at a fixed price for a specific future date.	Protects future cash flows from negative currency fluctuations and locks in currency prices so you can plan on a known future.
Variable Delivery Forward Contracts	Buy or sell foreign currency at a fixed price for a period of time in the future rather than a specific date.	Provides more flexible purchase dates, permits execution of part of the contract at different intervals during the delivery period, locks in currency prices and allows consolidation of small forward requirements into one larger contract.
Foreign Currency Account	Designed for companies that have commonly denoninated payables and receivables in foreign currency.	Protects your company from spot price variations, gives you more control over your accounts, increases transaction efficiency, and may lower fees.
Foreign Currency Time Deposit	Provides the ability to invest in a foreign currency at the respective country’s interest rate for a specific period of time.	Allows you to diversify your existing portfolio and to potentially earn higher interest rates than those available domestically and to take advantage of any favorable exchange rate move.
Internet- Based Foreign Exchange System (RX)	Enables your company to initiate foreign currency denominated wires and drafts, directly from your own computers via an internet system. Repetitive templates reduce preparation time to a few keystrokes.	Increases the speed of your transactions because you prepare your own wires and drafts when required, with real-time exchange rates. Also facilitates recordkeeping and transaction history.
Options	Numerous derivative products are available to provide flexibility in meeting individual needs.	Suitable for covering uncertain or contingent exposures because they do not obligate you to exchange currencies. Exchange at the better rate of either the option strike price or the current market rate, eliminating the downside risk in a position while remaining open to upside potential.

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