Cash Management Integrated solutions to consolidate your company s growth towards the future

Transcription

1 Cash Management Integrated solutions to consolidate your company s growth towards the future 1

2 Cash Management, An integrated solution to consolidate your company s growth towards the future Scotiabank Scotiabank Peru belongs to Scotiabank s group and is one of the major financial institutions in Peru, with more than 200 branches and 800 ATMs country wide. The bank offers a wide range of financial services and products, such as banking, exchange services and stock analysis, to individuals, commercial banking clients and businesses nationwide. Scotiabank Peru offers access to international markets due to its presence in more than 55 countries worldwide. Scotiabank was established in 1832 and since then, it has created a unique and solid global banking platform, focused on providing custom solutions to our clients. Our firm commitment to the Latin-American market and our access to the global capabilities of the Scotiabank Group allow us to offer innovative financial services to more than 21 million customers worldwide. Global Transaction Banking The Global Transaction Banking team knows that our clients need a financial partner that offers globally integrated banking solutions to support their businesses around the world. We are a leading institution in international cash management, payment services and trade financing. We have regional offices and local experts in every country where we operate, and our positioning allows us to overcome the obstacles of doing business across borders. 2

3 Click here Our accounts allow you to immediately and efficiently access your money. The account allows efficient and effective management of your business operations. From anywhere in the world 24 hours a day, you can access your funds. Our products and services: Chequing Accounts Savings Account Term Deposits 3

4 Transfering money nationwide is easier with Scotiabank Immediate access to your money via Chequing Account will allow you to efficiently manage your business activities. From any place in the world 24 hours a day, you will be able to access your funds. What type of Accounts can I use? You can use 3 types: Our Chequing Account for Companies is a type of deposit on sight that will allow you to efficiently manage your money, access multiple services such as transfers, payment to suppliers, payroll payments, collections and other products associated with your account. (*) Cheques are not issued in Euros. Not available via electronic platforms. Soles Account Dollars Account Euros Account (*) What types of banking transactions can I carry out with my Chequing Accounts? You can carry out debit and credit. If you have a collection account where you receive money and another one for payments via cheques or simply paying to third parties, we offer you our Zero Balance service, that allows you to make your daily transaction balances. How I can issue massive cheques without having to permanently sign? Chequing Accounts is the only banking product that allows cheque emission. You can issue cheques massively using the Voucher Check format, which enables massive check printing with your digital signature What other benefits does a Chequing Account offer? Security: by means of our virtual channels with secure access via electronic key Coverage: Perform transactions from anywhere in the world through mobile access. Information: Check your current digital bank statement from your office. 4

5 Save on schedule and make your business grow! With the temporary cash surpluses of your company, you may earn interest in a savings account. Program your savings and guarantee increased revenues by providing financial stability to your business operations. What type of Savings Account can I open? Soles Account Dollars Account Euros Account * (*) Cheques are not issued in Euros. Not available via electronic platforms. May I tap my savings account at any time? You may withdraw funds at any time. Deposited funds may be increased or reduced without affecting profitability. Which is the minimum opening amount? You may open a savings account with S/. 1,500 or US$ 500 and start your business transactions via banking transfers between your accounts and third parties, as well as balances and transactions at any time and place via our online channels. How easily can I withdraw my savings? You may access your funds nationwide thanks to our wide network of branches, ATM s and online channels. You may also carry out more free transactions with us than with any other local financial entity. 5

6 Get the profitability that your business needs and earn interest faster! You may get higher profitability by keeping your temporary cash surpluses on a term deposit, for the time that better suits your needs. Earn interest fast and safely. What types of Term Deposit may I perform? You may perform 3 types of Deposits: Term Deposits in Soles Term Deposits in Dollars Term Deposits in Euros What are the advantages of a term deposit? Flexibility: You may choose terms that best suit your business, from 21, 30, 60, 90, 180 and 360 days. Profitability: Earn more than regular savings. Availability: If you need to withdraw the deposit before the agreed term, there will be no penalties. You will be paid the savings interest prevailing at the time of the withdrawal Information: we can offer you our services at any branch nationwide. 6

7 Click here Our Electronic Banking Service will enable your company to get online information about all transactions, facilitating its conciliation process with Accounting Systems, hence, your business can manage its cash operations efficiently, easily, quickly and safely: payments, collections, factoring and national and international transfers. You can access: Telebanking Scotia Card Empresas Multibanking Host to Host 7

8 From anywhere in the world connect your company to the bank via Web Telebanking is now Web-based and it is the most versatile electronic banking system. It enables the connection between your computer and the bank s main system, with maximum security and efficiency, allowing cash management from anywhere in the world. We offer you Spanish and English Versions and customized Post-Sales Services. Agility, flexibility and security for your business The new Telebanking web includes new features for your company plus it can be customized accordingly to the operating needs of your business. Additionally, it allows the configuration of different levels of autonomy, restrictions and profiles for different users, regarding each type of transaction, as well as establishing autonomy limits for multiple signatures. These are some of the main available solutions for your company Payments: To your foreign suppliers. To your local suppliers. Salaries, CTS (Unemployment funds) Massive payments to individuals Public services and other institutions. Bills of Exchange, invoices and loans Taxes, AFP (retirement funds). Scheduling your future dated payments. Your local suppliers will be able to cash in advance your payables with our Electronic Factoring. Payment of business credit cards. Transfer funds: Between accounts of the same currency or access a preferential exchange rate. Abroad. To other local banks. Consult: We provide daily and historical online information of balances and transactions of all your accounts, products and services. We also offer you digital versions of: Bank statements, Operation notes, Chequing, Bills. Manage your collections: With our new service of Virtual Collection of Documents, electronically submit your schedules of drafts, invoices or other documents and we take charge of your collections. Get detailed information about your collections. Telebanking has been designed to provide detailed information of your collections in collection accounts. This information may be automatically exported on an Excel spreadsheet to ease conciliation with your accounts receivable. If you are a Government supplier, we have a feature developed specifically to provide detailed information of your paid invoices (daily and historically). Get maximum safety: In order to strengthen the security of financial transactions through the Telebanking web platform, Scotiabank Peru offers to its customers the Pocket Token device. It provides a new security mechanism against electronic fraud by third parties by incorporating the usage of a dynamic key that it generates and being the device itself protected by a personal password of your choice. Simplify your operations: To avoid mistakes, time and money losses, TeleBanking allows you to develop interfaces with your accounts receivable and payable, thus automating your bank conciliation process. Authorizations via Cell phone: This new electronic solution will enable companies to authorize payments and transfers from mobile phones, enabling easier procedures for payments such as payroll, suppliers, BCR or International transfers, real time. The authorized user will be able to execute the transactions previously authorized via mobile. We offer the most sophisticated Security Token device available in the market, providing maximum security for your business. 8

9 Join the Safest and most Modern Electronic Banking ScotiaCard Empresas is the key that gives your business access to the most complete, efficient and safest Electronic Banking. We offer you the best solutions to access account information and perform banking transactions in real time. Thinking about your safety and comfort, Scotiabank offers you different types of access: Executive Service: Total Security; Use your password to make transactions and pay your obligations only inside your company, no third parties involved. Premium Service: Additionally, we will hand you a security device Token that generates dynamic keys, ensuring safety in transactions to third parties. Perform various operations and consults in real time, in the easiest way and with multiple benefits for your business: Consults: Balances and transactions of all your accounts, products and services. Viewing statements, drafts and digital checks. Daily and historical document queries. Historical payroll documents queries. Journal entries and transaction statements. Pre-settlement of drafts and invoices. Payments: Taxes, AFP. Drafts, invoices and Loans. Public services and other institutions. Credit cards from other banks. Cash payment orders. Transfers: Between own accounts. To third parties. Abroad. To other banks. With preferential exchange rate Transfers: Available service 24 hours a day, 365 days a year. Maximum safety by providing our Token security device for third-party business transactions. We provide customer Access cards to users in your company, with control parameters previously defined by you. Cash withdrawals (maximum US $ 1,500per day) in our ATMs (available for Legal Representatives allowed to operate with a single signature). For consults, problems, or training by our post sales service, contact our Electronic Banking Area: in Lima or to provinces. You can access information about your accounts and perform transactions anywhere, real time and with great safety. Massive Payment Orders: Wages, CTS (retirement funds) Payments to Suppliers. Payment to Suppliers without RUC. 9

10 Payment solutions for Regional Treasuries through SWIFT network Payment solutions for Regional Treasuries through SWIFT network, via which you may perform the following transactions: Pay salaries. CTS payments. Payments to Suppliers (Manager s cheque, account deposit). Payment to Suppliers without RUC (Manager s cheque /cash). Same bank account transfers. Transfers to other Banks (CCE and BCR). Transfers abroad. We offer: Security: In sending payment instructions by SWIFT network. National and International coverage: For Funds Transfer. Reduce: Manual processes by means of automation. Contact a Relationship Manager and request for affiliation 10

11 Now you can connect directly with Scotiabank, through your server You may perform multiple transactions such as: Payment of salaries. CTS payments. Payments to Suppliers (Manager s cheque, account deposit). Payment to Suppliers without RUC (Manager s cheque /cash). Transfers between Scotiabank accounts with a previously agreed exchange rate. Transfers to other Banks via CCE and BCR. Transfers abroad. We offer: Security: You may have a connection by using public and private keys authentication. Effectiveness: Different payment types will be sent in a single file order. Reduce: Manual processes by means of automation. Speed: Information transmitted via a direct link between servers. Information: Reports about payments and transfers will be available via Host to Host. PDF report subject to affiliation. For that purpose, you only need to have a Chequing Account in Scotiabank. Visit a nearby Scotiabank branch and sign the agreement for the Provision of Electronic Transmission Service Payments File via local Host to host. 11

12 Click Here Service that allows you to make single or massive payments efficiently and safely through our electronic platforms while reducing operating and financial costs It performs the following Payments: Payments to Suppliers Government Suppliers Payment Tax Payment AFP Payment Virtual Payment Salaries and CTS Payment 12

13 Pay your suppliers easily, massively and safely We offer a simple, flexible and efficient service, allowing you to save time and money, offering you the safety of our Electronic Plataforms. How does it work? In a single file, consolidate all the payment orders both to your local and international suppliers, using Electronic Banking. Additionally, you may schedule you future dated payments to be performed automatically at the time you ve defined. Benefits for your Suppliers Supplier Card your suppliers can request the Suppliers Card and use it to access online information about their payments. We offer you the following means of payment: Local Transfers Secure payment solution with immediate availability of funds to pay your suppliers in between Scotiabank accounts, and subject to the CCE schedule for transfers between banks. Manager s cheques Payment solution to your local RUC suppliers, who can execute the cheque at any of our branches nationwide. Payment to Suppliers without RUC Payment solution for your suppliers without RUC, who can receive the money at any of our branches nationwide. Single Pay Payment solution that centralizes cheque issuance at one branch, so you can pick them up, centralizing and controlling its distribution directly from your office International Transfers Payment solution that allows you to pay your suppliers abroad, safely and at a low cost. 13

14 Receive the payments for your invoices, real time, with no cost. You may receive the payment for your invoices directly to your account, simplifying its collection and bringing many advantages to your company. We offer you the best solution for your business, by receiving payments made by Government Entities of which you are a supplier. Nobody offers you Scotiabank s benefits: Confirmation of payment receipt by . Check the details of your receivables, via ScotiaCard Empresas or TeleBanking. Payment details (Date, Invoice number and Government Company which paid you) Check daily and historical receivables. Ability to export daily or historical information to an Excel spreadsheet to automate your conciliations. Immediate availability of your money. No cost. Total security Affiliating is very simple: You should send an AUTHORIZATION LETTER to any Government Entity of which you are a supplier indicating your Interbanking transfer Code (CCI) in Soles for the account where you would like to receive all payments. To receive your payment confirmation by , send us a letter indicating the address to where you would like this information to be sent. Scotiabank offers benefits and solutions for you as a supplier! 14

15 Now it can be easier to pay your taxes Pay your taxes electronically, just go to and pay using your Scotiabank account: We offer the following ways to make your SUNAT tax payments: Electronic Funds Transfer System (TEF): you will not have to fill out forms, just visit any of our branches with a RUC number, payment period and amount payable. Electronic SUNAT tax payments: it allows you to pay PDT taxes by charging your affiliated Scotiabank s account. To access this service you should fill out and sign an Affiliation agreement for Tax Payment Service and/ or various Concepts via WEB Platform - SUNAT, which you should deliver to your personal banker. SUNAT Payment Number it is an electronic solution that allows you to file tax returns through the SUNAT web page obtaining a Payment Ticket, which you can then pay via our branches, Internet Banking, Telebanking and Express Tellers Benefits: Broad opening hours. Online real time transactions. Greater control of your payments. No fees. Electronic Detracciones Payment: You may perform your Electronic Detracciones Payment quickly and easily from your office. To access this service, you previously should sign an Affiliation agreement to make Tax Payments via the SUNAT webpage by means of a SOL key (SUNAT Online Operations). Benefits: Saves time, minimizes your administrative burden. Greater flexibility because you make payments from the comfort of your office with broad opening hours. Unlimited service as you may perform all payments without limitations. Electronic Customs Tax Payment: Electronic Customs Tax Payment: Pay your import certificates (customs documents), by debiting your previously affiliated Scotiabank`s account. Benefits: Broad opening hours. Online real time transactions. Greater control of your payments. No fees. Affiliation to the Service: Access the SUNAT website select Electronic Customs Payment, choose Apply for Affiliation to Electronic payment and fill out Form. Then you should sign an Affiliation Agreement to the Banking network for Electronic Payment of Import Certificates-CUSTOMS, and deliver it to your Scotiabank`s personal banker. 15

16 Accelerates AFP payments Register as user of AFP net on With Scotiabank and the AFP net portal you can now optimize your time. Now you have two payment options: What`s AFPnet? AFPnet is a service that the AFP Association offers to all employers completely free of charge to declare and pay contributions to all AFPS. With AFPnet, declarations are submitted directly to each AFP using the following link: What can an employer do in AFPnet? AFPnet is the portal that automatically produces all AFP spreadsheets which can be paid using any of the following options: Option 1: Ticket Payment System. With your ticket number generated by AFPnet, spreadsheets can be paid via Telebanking, Scotia en Línea, Express Tellers and Scotiabank branches Option 2: Online Make your spreadsheet payment on AFPnet website select Scotiabank and you are good to go. Affiliate your company by requesting an affiliation contract at any of our branches or to your Relationship Manager. Employer Benefits It saves effort and minimizes mistakes caused by transfers from one AFP to another. Validation of the pay roll data entered by the employer. Handling of physical documents and confidential data are not necessary anymore. It provides automatic calculation of interest for late payments. 16

17 You may pay all kind of drafts and invoices from your PC Start enjoying these benefits today. Discover what you can accomplish. Through our option Virtual Documents Payment, pay drafts and invoices, either in advance, collection, discount, factoring or guarantee. Our nationwide decentralized service is fast and safe. You will get the support you were looking for at very competitive conditions. Make your payments: Vía: 1. Scotia en Línea: using our following cards: Personal Debit ScotiaCard. ScotiaCard Empresas executive version for legal entities. 2. Telebanking for Legal Entities. How does it work? 1. Choose the most suitable system for you 2. Select document to pay. 3. Confirm payment. Virtual Payment Documents offer several advantages: Comfort: You may pay your obligations from your office or your home. Detailed information: You may request a pre-liquidation before cancelling the document. Saving: No longer need to visit the bank also the service is free of charge. Control: The system generates an instant confirmation of the transaction, which is sent to an of your choice. 17

18 Make payments to your employees easily and massively We offer a flexible and efficient service, with benefits for your workers. How does it work? Through Electronic Banking, consolidate in a single file all payment orders to your workers. You can also schedule your future-dated payments so that they will be performed automatically at the time you ve defined. We offer the following payment methods: Local Transfers Secure payment solution with immediate availability of funds to pay your suppliers in between Scotiabank accounts, and subject to the CCE schedule for transfers between banks. Single Pay Payment solution that centralizes the cheque issuance at one branch, so you can pick them up, centralizing and controlling its distribution directly from your office. Benefits for your employees: We offer all the benefits of Clubsueldo. When you receive your salary through a Scotiabank Savings Account, you will have access to preferential terms for loans, discounts, Scotia Puntos, etc. 18

19 Click Here This service will allow you to receive your collections nationwide and to efficiently reconcile the flows from your collections, thus saving time and money. Access to: Collection Services Correspondent Services Identified Deposits Automatic Charge Electronic Collection of Drafts and Invoice 19

20 You may perform collection of accounts receivable more efficiently in your business. Collection Services A specialized service for companies that need to execute their collections nationwide. Scotiabank offers you different service options: 1. Partial Validation - Institution only sends user code and name. Excludes amounts and due dates. 2. Amount Validation - Your company only sends user code, name and debt amount of your client. Due date debt is not included. 3. Complete validation or with data - Your company sends complete information of your customers. This can also be managed via an interconnected service or Online. 4. Without Validation or Self-Generated - Your company does not send data. The data is generated at the bank and this information is sent to your company. Requirements: Keep an account at Scotiabank Have an address. Sign Both Agreement and request for Collections. Benefits for your business: Pay Coll Service Now, with Pay Coll service you are able to identify the deposits made at the branches (cash, cheque, same bank, interbank). The depositor will be identified by a single numeric reference. Benefits for your business: Immediate implementation of service. No database sending is required. *Online funds credit. Benefits for users: Quick and easy Identification at bank counter. it is not necessary to be a Scotiabank`s customer. Requirements: Maintain a current account with Scotiabank. Sign Collection agreement for Pay Coll. Savings: Reduce administrative costs associated with collection process (coupon issuing, distribution, etc.). Information: Complete information of your daily collections through various means ( , Internet Banking and TeleBanking). Safety: Avoid handling cash or cheques within your company. Scope: Payments can be collected nationwide: Branches, Internet, Telebanking, Express Tellers, CrediScotia and Agents. Benefits for your customers: Broad service channels No need to be a customer of the bank to make your payments. 20

21 Optimize your collections through Banco de la Nación Besides different Scotiabank`s channels, you can manage your collections through more than 500 branches and over 2,000 Banco de la Nación agents throughout Peru. Available services: Receiving Deposits in Chequing Account. Invoice collection: Two modalities are attended: Active, which sends a file that contains the outstanding documents. Passive, no file is sent, your customers simply approach Banco de la Nación and pay, indicating the data requested at Nation`s Bank counter. Benefits for your business: Coverage in places where commercial banking does not operate. Security for your staff by eliminating risks via money transfer. Requirements: Maintain a chequing account with Scotiabank. Banco de la Nación Correspondent Service Convention signed with Scotiabank. 21

22 Identified Deposits Do you get many deposits into your account? From now on you will know who made them. With Identified Deposits, you will get instant information about the deposits made to your account. How may I get that service? You only need to sign application to Access Identified Deposits, which you can request at our branches or with your Relationship Manager. This affiliation is available for Chequing and Savings Accounts. What is the reference to be entered? You can indicate the reference that best suits your business needs. Reference may be alphanumeric, numeric, up to 18 characters. For example: Name / RUC depositor, Invoice number, membership code, etc. What kind of operations will the bank identify? We will identify the following operations made at our branches: Cash deposit. Deposit by cheque. Deposit by cheque from another bank. Deposit via management s check Depositor`s identification will be available online via our Electronic Banking: Telebanking and ScotiaCard Empresas (and in your monthly Statement). 22

23 The direct debit service Scotiabank offers this collection service that allows you to charge your customers through automatic debits to their chequing or savings account. Features: Debit in Soles or Dollars. Automatic charge is performed on accounts of individuals and legal entities. The process begins when you submit the file detailing your customers debts. The charges on your customer s accounts are carried out in the working days defined by you. In case of debt orders that are not processed, we offer you the option to perform several attempts. After processing this instruction, we will send information about the collection results: a detailed report of the collected amounts from each client, as well as the charges that could not be collected. Information: Your customers can receive a charge confirmation by . Additionally, charges will be reflected on your client s account statement (Chequing or Savings Account). Requirements to affiliate your company: Subscribe the Collection Services Agreement. Sign Attachment agreement (Request for Collection Service). Requirements for your customers: Subscribe Request for Automatic Debit Affiliation. Benefits for your business: Effectiveness: This service may ease your collection processes. Timely information: Provides complete information on collection management through our electronic platforms: Telebanking and ScotiaCards Empresas. Flexibility: You can charge in Dollars or Soles on the dates set by your company and make more than one attempt to collect. Benefits for your customers: Security: A safe and simple service that allows for the payment of various types of services. Economic: It is a free service. Time saving: it does not require your clients to visit the Bank. Simplicity: Affiliation and / or disaffiliation /are quick and simple procedures that can be done at any counter at any branch. Flexibility: Your client can set a maximum charge amount for this service, at the time of subscription. 23

24 Concrete solutions for document collection Improve your operations. Scotiabank provides concrete solutions to ease the management of document collection, nationwide, by taking care of the process: collection, renewal and document protest. Reduce the operational and administrative burden that maintaining a Collections Department demands, improve conciliation processes and optimize cash flows. Our new electronic service for Draft and Invoice Collections will let your company and clients into a new age of service and information. Benefits for your business: New option to upload your drafts and invoices through our Electronic Banking Services: ScotiaCard Empresas and Telebanking. New daily and historical queries for drafts and Invoices: canceled, renewed, and returned. New historical queries for Draft and Invoice speadsheets sent to the bank. New option to track the status of your spreadsheets and drafts: sent, received, processed and qualified. New Journal entries and Statement Consult. Competitive rates for Draft Collection Requirements: Having a Chequing Account in Soles or Dollars. Send drafts/invoices spreadsheet along with physical documents to any Scotiabank branch. In case you require our Draft Virtual Delivery Service you need to be enrolled in an electronic platform: Telebanking or ScotiaCard Empresas. A one-time virtual signed Agreement for virtual sending documents. Drafts and Invoices Collection Method Free Collection: We take care of your Draft Collection nationwide, the cash is received in real time as the buyer executes the payment. Benefits for your customers: 24 New public consults of drafts and invoices on our website: New Supplier Card for consult and pre-liquidation of drafts and invoices. New option to pay Drafts and Invoices from other bank accounts to Scotiabank, via CCE. More channels: More than 200 Scotiabank branches, 206 Express ATMs, 80 CrediScotia Financiera offices. Personalized attention via our Call Center: Individuals: Lima: Provinces: Legal Entity: Lima: Provinces:

25 Save time by performing Collections without leaving your office. With our Virtual Documents Collection Services you may entrust us with your drafts, invoices and other documents without leaving the comfort of your office through ScotiaCard Empresas and / or TeleBanking. Our nationwide service for dematerialized documents is fast and secure. You will obtain the support you were looking for at very competitive conditions. Accessibility: If they are Scotiabank customers, they may use Virtual Channels for payments and get online. Leave your collections on expert hands. You only need a Scotiabank account and sign an affiliation agreement. A fast and efficient system Enter document data. Upload the documents via ScotiaCard Empresas and / or TeleBanking. Receive updated information about collections successfully executed. Total control With this new service you no longer need to send the physical documents to Scotiabank and these will remain in your custody until maturity. Many benefits for you: Comfort: Operations begin from your office, saving you time and money. Information: Information about executed collections will be timely and appropriate.v Economy: Fees are very convenient. Reduce your administrative burden: By eliminating physical transfer of documents. More benefits for debtors: Ease: Your acceptor can carry out draft payments from Monday to Saturday at the following business hours: Monday through Friday from 9:15 a.m. to 6:00 p.m. Saturday from 9:15 a.m. to 12:30 p.m. They also may carry out cash drafts payment, at our more than 206 Cashiers Express that are available nationwide. Information: Your acceptor may carry out inquiries of unpaid accepted documents at our website: quick option. 25

26 Click Here Solutions which enable you to carry out money transfers to your own accounts or to those of third parties, in the same bank or to another bank nationwide, quickly and safely. 26

27 Transferring money nationwide is much easier with Scotiabank Multiple efficient solutions for your domestic transfers. Transfers between own accounts. Transfers to third parties in the same bank. Interbank transfers (to other banks). The best market options for your company. Scotiabank offers different ways to transfer money. Telebanking. ScotiaCard Empresas. Branches and Cashier Tellers. Transfers between accounts via ATMs. Scotiabank understands your requirements so we have more benefits for your business. Very competitive fees. Transfers may be viewed through our exclusive Telebanking and Scotia en Linea services Carry out your national transfers with Scotiabank, with multiple advantages and benefits for your company. 27

28 Transferring money abroad via Scotiabank, is always easier Solutions: Fast, dynamic and safe, a perfect combination. Thinking about your comfort, Scotiabank offers you the best options for sending and receiving money. Telebanking. Scotia Online Letter or instruction form. Now you can carry out different international transfers more easily and with multiple benefits for your business. Sending transfers. Receiving transfers from abroad. Issuance of money orders abroad. Collection of cheques from the outside. With international transfers your company gets all this and more. For transfers abroad, you will receive a copy of the Swift message in your , free of charge. Very competitive fees. Immediate delivery of your money, to the USA in 24 hours and to the rest of the world in 48 hours (transfers sent until 12:30 pm). Transfers may be viewed through our exclusive Telebanking and Scotia en Línea services. We have a network of correspondent banks abroad, that ensures your transactions are processed as quickly as possible. 28

29 Contact us today for more information Speak directly with your Relationship Manager or write us to: Electronic Banking Post Sales Service (Lima) (Provinces) or write us to: Discover what s possible Cash Management, A comprehensive solution to consolidate your company s growth toward the future. Join our exclusive website where you will find multiple access and solutions for your business. 29