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Corpay Cross-Border Solutions

Legal Information and Regulatory Disclosures

1. Corpay, Cambridge Mercantile, AFEX, and Associated Foreign Exchange are names that may be used for the international payment solutions and risk management solutions provided by certain subsidiaries of NYSE: CPAY, as follows.

1.1. International payment solutions are provided:

In this Location Through this company
Australia Cambridge Mercantile (Australia) Pty. Ltd.
New Zealand Corpay (NZ) Limited
Canada Cambridge Mercantile Corp. [of Ontario]
United Kingdom Cambridge Mercantile Corp. (UK) Limited
Ireland and the European Economic Area (including the European Union) on a cross-border basis Associated Foreign Exchange Ireland Limited
Bailiwick of Jersey island AFEX Offshore Limited
Singapore Associated Foreign Exchange (Singapore) Pte. Ltd.
United States of America Cambridge Mercantile Corp. (USA)

 

1.2. Risk management solutions are provided:

In this Location Through this company
Australia Cambridge Mercantile (Australia) Pty. Ltd.
New Zealand Corpay (NZ) Limited
Canada Cambridge Mercantile Corp. [of Ontario]
United Kingdom Cambridge Mercantile Risk Management (UK) Ltd
Ireland and the European Economic Area (including the European Union) on a cross-border basis AFEX Markets Europe Limited [of Ireland]
Bailiwick of Jersey island AFEX Offshore Limited
Singapore Associated Foreign Exchange (Singapore) Pte. Ltd.
United States of America Cambridge Mercantile Corp. (USA)

 

1.3. All legal entities in referenced in this paragraph 1 are together & separately (as applicable contextually) “Corpay Cross-Border”.

1.3.1. Please see  https://www.corpay.com/cross-border for more information.
1.3.2. Corpay Cross-Border contact details are at https://www.corpay.com/contact-us/cross-border.

2. Corpay Cross-Border is duly licensed, authorized, affiliated, and/or registered (as applicable) to provide international payment solutions or risk management solutions in each of the noted jurisdictions. Further details:

Country/ Territory/ Region Company Name Company # Address License
Australia Cambridge Mercantile (Australia) Pty. Ltd. ABN
85 126 642 448		 Level 38, Citigroup Centre, 2 Park Street, Suite D, Sydney, NSW 2000, Australia Authorized and regulated by the Australian Securities and Investments Commission as an Australian Financial Services Licensee (AFSL No. 351278).
New Zealand Corpay (NZ) Limited NZBN: 9429031764322 Level 10/11 Britomart Place, Auckland CBD, Auckland 1010, New Zealand

Registered in New Zealand as a financial services provider with FSP Number: FSP1006264, registered to provide financial services including (among other services):

  1. Changing foreign currency.
  2. Issuing or managing means of payment.
  3. Keeping, investing, administering, or managing money, securities, or investment portfolios on behalf of other persons.
  4. Providing forward foreign exchange contracts.
Canada Cambridge Mercantile Corp. OBCA company number 1980873 4th Floor, 121 King Street West, Toronto, Ontario, M5H 3T9, Canada Registered and regulated as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC: M17163510) and Quebec’s Revenu Québec (900009).
UK Cambridge Mercantile Corp. (UK) Limited England and Wales company #05271222 4th Floor, 8-10 Moorgate, London, EC2R 6DA, Angleterre, United Kingdom Authorized by the Financial Conduct Authority (Register Reference: 900702) for the provision of electronic money and payment services. 
UK Cambridge Mercantile Risk Management (UK) Ltd England and Wales Company Number #08363276 4th Floor, 8-10 Moorgate, London, EC2R 6DA, Angleterre, United Kingdom Authorized by the Financial Conduct Authority (Register Reference: 596682) as a Part IVa investment firm.
Ireland & the EU & the European Economic Area Associated Foreign Exchange Ireland Limited Ireland company number 597582 Third Floor, Latin Hall, Golden Lane, Dublin 8, D08 PHE0, Ireland Authorized by the Central Bank of Ireland as a Payment Institution pursuant to Regulation 18 of the European Union (Payment Services) Regulations 2018.
Ireland & the EU & the European Economic Area AFEX Markets Europe Limited Ireland company number #635056 Third Floor, Latin Hall, Golden Lane, Dublin 8, D08 PHE0, Ireland Authorized by the Central Bank of Ireland as a MiFID (Markets in Financial Instruments Directive) Investment Firm pursuant to the European Union (Markets in Financial Instruments) Regulations 2017 (S.I. 375 of 2017).
Bailiwick of Jersey [a dependency of the British Crown, in the English Channel] AFEX Offshore Limited Registered no. 117732 Vantage House, 3rd Floor, 5 Anley Street, St Helier, Jersey JE2 3QE Authorized and regulated by the Jersey Financial Services Commission for Investment Business and Money Service Business under the Financial Services (Jersey) Law 1998.
Singapore Associated Foreign Exchange (Singapore) Pte. Ltd. UEN 200921111C #27-01 Samsung Hub, 3 Church St, Singapore 049483 A capital markets services licensee (CMS Licence Number: CMS101059) under the Securities and Futures Act (“SFA”) by the Monetary Authority of Singapore for dealing in capital market products that are over-the-counter derivatives contracts. Also is an exempt financial adviser and is licensed and regulated by the Monetary Authority of Singapore as a Major Payment Institution (Payment License Number: PS20200055) to carry on the business of providing cross-border money transfer service, domestic money transfer service and account issuance service under the Payment Services Act.
USA Cambridge Mercantile Corp. (U.S.A) Incorporated in the US state of Delaware. Delaware File Number 3359789. 300 Park Ave Suite 1203, New York, NY 10022, United States

Licensed and regulated as a money transmitter, or the local equivalent, by numerous executive agencies of various US states, including, but not limited to:

  • the California Department of Financial Protection and Innovation; New York State Department of Financial Services, and Texas Department of Banking.
For a complete listing of licenses maintained by Cambridge Mercantile Corp. (U.S.A.), visit the “Licensing and Regulatory” section of https://www.corpay.com/compliance.

 

3. Brochures have been prepared solely for informational purposes and does not in any way create any binding obligations on any party. Relations between you and Corpay Cross-Border shall be governed by applicable terms and conditions. Corpay Cross- Border is the issuer of the products discussed in brochures and would be a counterparty to any transaction you undertake with us. The information provided here should not be construed as providing advice or recommendations of any kind. You should use your independent judgment and consult with your own independent advisors in evaluating whether to enter into a transaction with Corpay Cross-Border. OTC (over the counter, or off-exchange) currency option-contracts and other derivative products are not suitable for everyone. You should ensure the risks involved are fully understood before purchasing these products. Clients may be required to meet certain eligibility requirements in order to enter into certain foreign exchange transactions with Corpay Cross-Border. No representations, warranties or conditions of any kind, express or implied, are made in brochures.

4. Messages :

4.1. Attachments to messages from Corpay Cross-Border (“Messages") may have additional important disclosures and disclaimers, which you should read.

4.2. Messages may be sent from various regions, legal entities, or business groups.

4.3. Messages (other than Deal/Order Confirmation emails and the like) are neither intended to per se create, nor should they be taken to per se create, any legal relations, contractual or otherwise, unless previously agreed to the contrary, in writing, by the parties.

4.4.Messages are strictly privileged/confidential and intended solely for the addressee. If you have received Messages in error, please notify the sender.

 4.5. Corpay Cross-Border reserves the right to intercept, monitor, and retain e-mail messages to and from its systems as permitted by applicable law.

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"Cambridge Global Payments” and “AFEX” are trading names that may be used for the international payment solutions and risk management solutions provided by certain affiliated entities using the brand “Corpay”. International payment solutions are provided in Australia through Cambridge Mercantile (Australia) Pty. Ltd.; in Canada through Cambridge Mercantile Corp.; in Switzerland through Associated Foreign Exchange (Schweiz) AG; in the United Kingdom through Cambridge Mercantile Corp. (UK) Ltd.; in Ireland and the European Economic Area on a cross-border basis through Associated Foreign Exchange Ireland Ltd.; in Jersey and the Channel Islands through AFEX Offshore Ltd.; in Singapore through Associated Foreign Exchange (Singapore) Pte. Ltd. and in the United States through Cambridge Mercantile Corp. (U.S.A.). Risk management solutions are provided in in Australia through Cambridge Mercantile (Australia) Pty. Ltd.; in Canada through Cambridge Mercantile Corp.; in the United Kingdom through Cambridge Mercantile Risk Management (UK) Ltd.; in Ireland and the European Economic Area on a cross-border basis through AFEX Markets Europe Ltd.; in Jersey and the Channel Islands through AFEX Offshore Ltd.; in Singapore through Associated Foreign Exchange (Singapore) Pte. Ltd. and in the United States through Cambridge Mercantile Corp. (U.S.A.). Please refer to http://cross-border.corpay.com/brochure-disclaimers for important terms and information.