REDUCING CURRENCY RISK FOR KENYAN BUSINESSES

Manage your exposure to exchange rate volatility

In our globalised economy, businesses are now exposed to greater foreign exchange risk than ever before. Unforeseen economic, political & market forces can wreck havoc on currency values dramatically increasing the cost of trading internationally & directly affectIing your business' profitability.

Kwanji can help you to better manage foreign exchange risk. Our bespoke hedging strategies provide currency risk reduction from future market fluctuations, allowing accurate businesses forecasting & effective financial control.

PERSISTENT VOLATILITY IN THE CURRENCY MARKET

THE KWANJI PROPOSITION

We provide Kenyan businesses with fast and easy access to the best possible exchange rates & solutions by connecting them to a

global network of leading FX brokers.

• Spot Forex Transactions to execute instant transfers• Forward Contracts to protect against FX volatility• Regulated global partner broker network• Timely payment delivery

An innovative global trade comparison platform, Kwanji provides businesses with bespoke foreign exchange & hedging strategies.

HEDGING STRATEGIES FOR ALL BUSINESS SECTORS

FMCG

THE KWANJI offer & onshore

foreign exchange solutions to complement your specific requirements:

Offshore Spot Transactions

Offshore Forward Contracts: KES - Majors

Offshore Forward Contracts: USD - Semi Exotic

Onshore Spot Transactions: KES - Majors

Onshore Spot: KES - Semi Exotic

Onshore Spot: KES - Exotics

Kwanji offer Spot Forex in 160 currencies from over 80 countries and integrates with leading financial providers, providing businesses with the choice and flexibility to make and receive international payments from anywhere around the world including Africa.

We also offer offshore Forward Contracts in 40 currencies, that allow you to lock in an existing rate to be used at a later date, hedging against any risk of market downturns or volatility.

OUR FOCUS IS TO UNLOCK GLOBAL TRADE & GLOBAL COMMERCIAL PAYMENTS WORTH $12 TRILLION

FORWARD CONTRACTS'Forwards' allow you to lock in today's exchange rate for delivery at a later

date, hedging against any future negative market movement.

Fixing the rate is advantageous as it eliminates currency risk due to all your foreign exchange costs being determined upfront.

Kwanji can provide Kenyan businesses with offshore Forward Contracts in 40 currencies. Deposit terms typically vary between 10-15%, unlocking

massive savings compared to local Kenyan banks.

DATE FORWARD

Fix an agreed rate of exchange now for a ed . This type of Forward can benefit those with invoices that are paid on a on a set date.

Here's a recent example of a Fixed date Forward from our partners GRP:

CASE STUDY: OPEN FORWARD

Open Forwards can provide greater flexibility & control of funds, by providing an agreed rate that can be exchanged on any date within an agreed period of time.

Here's a recent example of an Open Forward from our partners GRP:

WE TAKE YOUR SECURITY SERIOUSLY

Kwanji works seamlessly with a panel of 3rd party FX partners all headquartered in the UK and regulated by the UK Financial Conduct Authority (FCA) and local regulators where necessary.

All transaction and funds handling is carried out by the regulated FX partner, who hold accounts with top tier banks and ensure client funds are always fully segregated (separate) from their own business funds.

How are our FX partners regulated?Security is tightly managed within the forex market, and it’s a subject that you need to be fully aware of when making a decision on how to trade.

Your bank will be regulated by the Financial Conduct Authority (FCA) or local equivalent. The Financial Conduct Authority (FCA) is an independent body, a single regulator of all fi nancial services providers in the UK that regulates most fi nancial markets. It oversees not only the markets themselves, but sets the standards that must be met for exchanges and fi rms and can take action against bodies that fail to meet the required standards.

“The UK is one of the most tightly regulated fi nancial environments worldwide”

Forex providers regulated by the FCA have to meet a number of industry requirements and standards, the most important of these being the protections around how clients’ funds are held. Client funds have to be kept separately from any company funds for obvious reasons which means that they cannot be treated as company assets in the case of insolvency. You can check out our fx partner’s regulatory clearances by checking them out on the FCA register here: http://www.fsa.gov.uk/register/fi rmSearchForm.do

Kwanji understands that saving money isn’t everything, and knowing that your money is secure is just as important.

BROKER SECURITY EXAMPLE – GRP

About Global Reach Partners Ltd.Established in 2001, Global Reach Partners Ltd (GRP) provide access to over 130 major and local market currencies.

GRP transaction volumes totalled £3bn circa 2015.

Global Reach Partners Ltd is a registered Money Service Business (MSB) regulated by Her Majesty’s Revenue & Customs and as an authorised intermediary, meeting stringent financial criteria designed specifically to protect client funds. Global Reach Partners Ltd. are also supervised and authorised by the Financial Conduct Authority under the Payment Services Directive 2009. This means that they comply with a host of regulatory requirements, including ensuring they are adequately capitalised in the unlikely event of a wind down.

Their clients' trading agreement stipulates:

"We shall place all sums received from you into a bank account held by us as agent for you (the “Transaction Account”). We confirm that all money standing to the credit of the Transaction Account is held by us as agent and we are not entitled to combine the account with any of our other accounts or to exercise any right of set-off or counterclaim against money in that account."

G l o b a l R e a c h P a r t n e r s L t d i s a m e m b e r o f t h e W o r l d w i d e I n t e r b a n k T e l e c o m m u n i c a t i o n S W I F T c o d e G R P L G B 2 L .

G l o b a l R e a c h P a r t n e r s L t d i s a c o m p a n y r e g i s t e r e d i n E n g l a n d u n d e r r e g i s t r a t i o n n u m b e r 4 3 4 4 7 6 4 a n d i s a u t h o r i s e d a n d r e g u l a t e d b y t h e F i n a n c i a l C o n d u c t A u t h o r i t y ( F C A ) f o r t h e p r o v i s i o n o f p a y m e n t s e r v i c e s ( F i r m R e f e r e n c e N u m b e r 5 0 4 3 1 5 ) .

U n d e r t h e D a t a P r o t e c t i o n A c t ( D P A ) 1 9 9 8 G l o b a l R e a c h P a r t n e r s L t d a r e r e g i s t e r e d w i t h t h e I n f o r m a t i o n C o m m i s s i o n e r ' s o f f i c e N o . Z 6 4 1 1 1 3 6 .

globalreachpartners

Capital Adequacy: Global Reach Partners Ltd. complies with the Capital Adequacy guidelines as outlined and determined by periodic review from the FCA

Security of Funds: All Global Reach Partners Ltd. client funds are held in audited segregated accounts held by Barclays Bank Plc and Lloyds Bank Plc, entirely separate from company operating accounts

Risk & Compliance: Global Reach Partners Ltd. complies with strict governance surrounding the application of prudent risk management, auditing and compliance as outlined by the FCA

Be part of the greatestchange in world

Kwanji – A fast, reliable and secure way of making payments overseas with no fuss and excellent rates.

Business Council for Africa

Raising money for prisoners is not the easiest job in the world, and so we found it hard to take when so much of our hard won cash was swallowed up in bank charges. Kwanji has really helped us deal with this problem and overthe course of a year will save us enough money to stock a prison library with books.

Jonathan PriceTreasurer African Prisons UK (payments to Uganda)

Given all our raw materials come from abroad and we pay in multiple currencies, we need to remain focused on minimising our FX exposure and associated costs. Kwanji has been a breath of fresh air to help us achieve this, not only can we now save money on transactions but also execute multiple payments in realtime all in one place.

Old Tuff nel

By giving clients access to 160 currencies Kwanji and the FX firm have enabled businesses to enter new markets their exiting banking relationships may not have given them access to.

Nat Davison Sales & Marketing DirectorThe FXFirm

Don’t forget to visit us online too:

amit.khosla@kwanji.com

+44 (0)7929 350280

amit.k.khosla1

www.kwanji.com

www.facebook.com/unlockKw anji

www.twitter.com/KwanjiX

www.linkedin.com/company/kwanji

Dr. Amit KhoslaPrincipal Business Consultant - East & Central Africa

/+25 470 681 4184 (KEN)