Foreign Exchange Welcome GuideA simple step by step guide on how to buy and sell currency with Halo Financial.

Welcome

Thank you for choosing Halo Financial. We hope you’ve been impressed with our service so far.

To help you get the most from working with us, we’ve written this welcome guide to simplify the process of buying and selling currency. It covers everything from the really basic to the exceptionally handy. But if you hate instruction manuals and choose to read nothing else, we recommend you read the three steps on how to use our services on pages 8 to 12.

We’re confident you’ll find our services easy to use and, with this welcome guide and assistance from your dedicated Currency Consultant, you’ll have all the information needed to buy and sell currency with confidence and security.

We look forward to making your currency transfers easier, quicker and cheaper. In doing so, we hope we are helping to turn a stressful process that you may not understand into an enjoyable one that you feel in control of.

If you’ve got any questions, please visit www.halofinancial.com/faq or contact us on

+44 (0)20 7350 5474.

Our Latest Awards:

Foreign exchange is constantly changing ......................................... 4

Choosing the right contract .............................................................. 6

How to use our services ........................................................................... 8

Agreeing an exchange rate and booking a trade ............................ 9

Paying for your trade ...........................................................................10

Sending your payment out ...............................................................12

Frequently asked questions & final checks .................................13

Keeping in touch ................................................................................14

Helping business clients too .............................................................16

Contact us ...........................................................................................18

It’s all here

Telephone: +44 (0)20 7350 5474 Email: help@halofinancial.com Web: www.halofinancial.com 3

Foreign exchange is constantly changing

Timing

Clearly the timing of when you choose to buy or sell currency plays a very important part in determining how successful you are in achieving your desired exchange rate. While Halo Financial cannot predict future exchange rates, we have the necessary experience and advanced systems to protect and enhance your financial interests.

Currency volatility

Foreign exchange is a highly volatile market in which the right exchange rate can come and go in the blink of an eye. The timing of when you choose to buy or sell your currency will ultimately determine how successful you are in achieving your desired exchange rate. This rate will determine how much foreign currency you’ll have when you move your money abroad.

Buying overseas propertyFor those of you intending to buy your dream home overseas or invest in international property, you’ll want to make sure you maximise your purchasing power and buy your property at the lowest cost to you. It’s worth remembering at this stage that the price of a property differs from the cost of a property. The cost to you and therefore how much you pay in Pounds Sterling to buy a foreign property will depend on the exchange rate you buy your currency at. Take a look at Example 1.

Example 1

A European property priced at €250,000 would have cost you £190,750 on 23rd June 2016, but just a few weeks later on 6th July 2016 the cost would have been £215,000.

That's a saving of over £24,250 in just a few weeks and it is entirely due to exchange rate volatility.

Volatile exchange rates can significantly affect your currency transaction and the value of your money. Let’s see how.

Example 2

Let’s assume you’re emigrating to Australia and have accumulated wealth of £250,000 after the sale of your house, car and other assets. Had you exchanged your funds into Australian Dollars on 25th May 2016, you would have arrived with A$511,000. But if you waited just two months until 9th July 2016 (after the Brexit vote), you would have received A$427,750.

That’s a difference of A$83,250 in just a few months and it is solely due to exchange rate volatility.

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Further information on how to manage currency volatility when buying overseas property can be found on our website www.halofinancial.com/overseas-property

EmigrationFor those of you who are planning to emigrate, you’ll want to take as much of your hard earned money with you as possible when you move overseas. Take a look at Example 2.

Further information and strategies on how to manage currency volatility when emigrating can be found on our website www.halofinancial.com/emigrating or speak to your Currency Consultant.

General money transfersWhatever your reason for undertaking a currency payment, we can help. We trade in the majority of freely tradable currencies and can both buy and sell foreign currency. So whether your interests are in Euros, US, New Zealand, Canadian or Australian Dollars, United Arab Emirates Dirham, South African Rand, or any other currency, we can save you money.

Contract Types

Spot contractsIf you need to undertake an immediate trade and you have all your funds available to settle it, you can buy or sell currency using a Spot contract.

Standard Spot contracts (trade now, pay now) enable you to immediately agree an exchange rate to buy or sell currency for settlement, unless otherwise agreed, within two business days of the date the trade is initiated.

Customer benefits:

• Get a competitive exchange rate

• Good for urgent transactions

• Trade now, pay now

• Simple

Currency bought or sold through Spot contracts can be transferred to your beneficiary account for same day delivery assuming we receive cleared funds from you in good time before the banks’ cut-off times (subject to what currency is being transferred).

Forward contractsIf you would like to immediately secure a particular exchange rate and would prefer to pay for the contract on a pre-determined date in the future, you can buy or sell currency using a Forward contract.

Forward contracts (trade now, pay later) enable you to immediately agree a fixed exchange rate to buy or sell currency for payment on or before an agreed settlement date up to 24 months in the future. By securing an exchange rate on a Forward contract you are protecting yourself against the risk the rate may worsen, as your fixed exchange rate isn’t affected by currency movements between the date the rate was agreed and the date the contract is due to be settled. However, it is important to remember that you will not be able to alter your Forward contract if the exchange rate improves.

Forward contracts are extremely flexible, allowing you to change the settlement date either by bringing it forward to allow you to take earlier delivery of your currency, or extending it for a later payment and delivery date. In addition, you can also take delivery of your currency in multiple payments on different dates by drawing down from the initial lump sum. This is particularly helpful if, for instance, you have bought an overseas property and need to pay different amounts on fixed instalment dates. Please note, any change to the settlement date may result in a change to the originally agreed exchange rate and may increase the cost of the contract.

Customer benefits:

• Helps you budget more easily, minimising uncertainty and stress

• Protects against adverse foreign exchange rate movements

• Make multiple payments from the initial lump sum

• No need to monitor daily exchange rate movements

In order to fix and guarantee the exchange rate on a Forward contract, you will need to pay a deposit (known as a ‘margin’) – usually 10% of the trade value – to secure the trade. This needs to be deposited in a designated Halo Financial transaction account within one business day of agreeing the trade. You will need to pay the remaining 90% balance two business days before the contract matures (value date). Halo Financial reserves the right to Margin Call you to re-establish the value of the margin should it fall below the 10% threshold. A Forward contract is therefore suitable even if you don’t have access to all your funds immediately.

Regular Currency Transfers (RCT)

Making regular payments across borders yourself and through your bank can be frustrating, expensive and time consuming. You may be paying high charges and will receive a different exchange rate every month. So we’ve made the process much easier and cheaper.

Choosing the right contract

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This section outlines the contract choices available to you when buying and selling currency. The information contained within this section will be explained to you by your dedicated Currency Consultant, but you may also find it useful to read this.

7

Our Regular Currency Transfer (RCT) service will help you:

• Make monthly repayments for an overseas mortgage

• Receive your UK pension if you live abroad

• Transfer your salary if you work abroad

• Pay overseas school, university or other tuition fees

• Receive rental income from an overseas property

• Send money abroad for maintenance of an overseas property

• Transfer living expenses

• Send regular payments to relatives overseas

As our RCT service is automated, it takes all the hassle out of making regular international currency transfers. Our payment plans are very flexible; you can customise them around your needs. You can choose when you want to start the payment, select the duration of the plan and the frequency of your payments, as well as opt for one of three payment dates in the month to ensure your money is received when it’s needed. So you no longer need to remember when to make your next payment obligation – so no forgotten payments and no late payment fees.

Also, because you can choose to fix an exchange rate against all your future payments, you’ll find it easier to manage your budget. Agree an RCT plan and you’ll know how much money your mortgage repayment will cost, how much of your pension or salary money you’ll receive, how much rental income you will earn, for example.

It’s simple and more convenient than using your bank. With an RCT plan you won’t need to contact us each time to agree an exchange rate, as we’ll convert your funds at the pre-agreed fixed exchange rate or at the prevailing rate on the pre-agreed payment date.

And once you’ve set-up your Standing Order (or Direct Debit) there’s nothing more for you to do.

We only charge £5 to electronically send your funds to your beneficiary account (usually up to £40 with a bank). There is no maximum limit to how much you can send and you can send as little as £250 per month, £400 bi-monthly and £500 quarterly.

Making Regular Transfers

Fix the amount of currency you want to buyBy fixing the amount of foreign currency you buy, you’ll know exactly how much will be sent to your account or other beneficiary. The amount of money needed to pay for the contract will vary depending on our prevailing exchange rate at the time of the transfer.

Fix the amount of money you want to payBy fixing the amount of money you want to buy currency with, you’ll know exactly how much your currency transfers are going to cost you. The amount of foreign currency that will be sent will vary depending on our prevailing exchange rate at the time of the transfer.

Fix bothBy fixing both the amount of currency you want to buy and how much you want to pay to buy it, you will know exactly how much foreign currency will be sent to the beneficiary account and exactly how much it’s going to cost. The exchange rate can be fixed for a period of 6-24 months and payments can be scheduled monthly, bi-monthly, or quarterly, to give you complete control over how much you send and spend.

You can find more information on our RCT service on our website www.halofinancial.com/emigrating/regular-payments

Automated Currency Orders

We appreciate you’re likely to have a thousand other concerns every day other than exchanging currency. You don’t have enough time to monitor exchange rates continually, but we do, and can take care of that for you.

By using automated currency orders you can be confident that the exchange rates that matter to you are monitored around the clock. We can ensure you use currency volatility to your advantage; protecting you against losses and maximising your money. We offer two types of automated currency orders, known as Limit and Stop Loss Orders, which will help you target a better exchange rate or protect you against a worsening one.

Operating 24 hours a day, your currency will be automatically bought or sold if your pre-determined exchange rate is achieved. They provide significant advantages over your bank’s limited opening hours and inflexible solutions. They can be modified or cancelled prior to the transaction taking place.

Customer benefits:

• Ability to protect and improve your exchange rate

• Flexible – can be modified or cancelled

• Monitored by professionals – 24/7

• Zero cost

You can read more about the benefits of Automated Currency Orders on our website www.halofinancial.com/emigrating/automated-orders

Help? I’m confused!

Don’t worry. Our people are experienced, friendly and patient. Your dedicated Currency Consultant will be happy to explain our services to you and suggest the most appropriate solutions for your needs.

Please call +44 (0)20 7350 5474

How to use our services

(see pages 8-11 for further details)

Book a trade either with your Currency Consultant or directly online

Step 1 – Agreeing an exchange rate and booking a trade

Contact your bank to settle the outstanding balance by the agreed date(s)

Step 2 – Paying for your trade

Supply us with your beneficiary account information so that we can send your money to your beneficiary account

Step 3 – Sending your payment out

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Booking a Trade

Once we have understood your requirements, timeframes and expectations, your Currency Consultant will explain the strategies and solutions available to you. You will be updated regularly with important currency movements and will benefit from our expert views and analysis on market trends. Then you will be in the best position to make an informed decision on what’s right for you, whether you choose to undertake a Spot or Forward contract, or wait to target a specific exchange rate.

You will then have the choice of:

1) Our New Halo Online platform where you can book a trade almost 24 hours a day, 5 days a week (the currency markets are closed from Friday 21:45 to Sunday 00:00). The online platform offers direct access to competitive exchange rates and allows you to review your historic trades and payments, so you can see all your transactions instantly and in one place. If you have already registered, you can login, receive a quote and book a trade all within a few clicks at https://login.halofinancial.com If you have not completed registration please contact your Currency Consultant who will be happy to assist with the set up process.

2) Contacting your Currency Consultant, who will quote you an exchange rate. Should you be happy with the quote, you will need to notify your Currency Consultant that you would like to book a trade at that exchange rate. We will then verbally agree the trade with you and send you a Trade Confirmation that confirms the trade by email.

Trade Confirmation

The Trade Confirmation is a document that confirms each currency trade that you undertake in writing. Each Trade Confirmation will be referenced with a unique Trade Reference Number, commonly abbreviated to TRN. These numbers enable us to identify individual trades, so please have this available should you wish to discuss the specifics of a trade.

We prefer to send Trade Confirmations by email, so you should receive it within a few minutes of verbally agreeing a trade. In the unlikely event that you don’t receive a Trade Confirmation within 24 hours, you must notify us immediately.

Step 1 - Agreeing an exchange rate and booking a trade

Important

Please note that because exchange rates fluctuate by the second, we accept your verbal or online instruction to buy or sell currency as the legally binding contract between you and Halo Financial. The decision to agree a trade is yours alone and if the exchange rate improves you cannot change your mind and amend it. Halo Financial can only act upon your specific instructions. To ensure we carry out your instructions accurately, our telephone lines are digitally recorded and all transactions are tracked online.

This section will tell you all you need to know about how to book a trade and the paperwork you’ll receive after agreeing an exchange rate. We all hate paperwork, but it’s important information that will ensure your currency transfers are executed accurately and your payments are made quickly.

9Telephone: +44 (0)20 7350 5474 Email: help@halofinancial.com Web: www.halofinancial.com

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Step 2 - Paying for your trade

To ensure your payment is processed quickly, this section tells you all you need to know about how to pay for and therefore settle your trade.

Important

Please note that if you instruct your bank to send us Pounds Sterling by telephone or internet banking, your bank is likely to automatically transfer your money to us by BACS transfer. As BACS transfers take three business days to clear, this is not a suitable payment method for settling same day or standard two day Spot contracts and you’ll need to ensure your bank makes the transfer via a CHAPS transfer or Faster Payment instead. However, if you know in advance that you’ll be paying via telephone or internet banking, please notify your Currency Consultant so we can extend your trade’s value date to accommodate the additional clearance time.

Payments made via internet or telephone banking or by Faster Payment may limit how much you can transfer per day. You will need to initiate payments early to ensure that your payment obligation is fully paid for on or before the agreed value date. For more info visit: www.halofinancial.com/faqs

Trade Settlement

On receipt of your Trade Confirmation, you’ll need to make arrangements with your bank to settle the required outstanding balance of your trade by the agreed date(s). The Trade Confirmation will detail the precise amounts you need to pay, the repayment dates and the Halo Financial bank account details you need to credit. As we will not be able to pay your designated beneficiary until your funds have cleared into our transaction accounts, it is important that payments are made on time to prevent any delays or late payment costs. All payments we receive on your behalf will be acknowledged by an email confirmation confirming the safe receipt of your funds.

Spot trades (online and on the phone)For Spot trades (trade now, pay now) you’ll need to immediately send us the full outstanding transaction amount. You can pay us by one of two electronic payment methods; CHAPS or Faster Payment (limits on how much you can pay per day may apply).

Spot contracts that are to be settled by non-Pounds Sterling funds or from Pounds Sterling funds held in an account outside the UK will need to be settled by electronic Telegraphic Transfer (TT), also known as a SWIFT transfer.

Forward trades (on the phone only)For Forward trades (trade now, pay later) you’ll need to make two transfers to Halo Financial. You will need to immediately send us a deposit of 10%, or other stipulated percentage of the transaction value. The remaining 90% balance is required two business days before the value date (the future date the currency has been reserved for).

The deposit can be paid for byCHAPS, Faster Payment (limits on howmuch you can pay per day mayapply), BACS, or cheque, assumingyour settlement is denominated inPounds Sterling. The balance payment can be paid for in the same ways, but also by cheque, providing enough time is factored in for the transfer to clear into our transaction accounts. CHAPS and Faster Payments clear thesame day, BACS on the third businessday and cheques on the sixth businessday (see Guide to InternationalPayments and Clearance Times table on Page 11). Forward contracts that are to be settled in currency other than Pounds Sterling, or from Pounds Sterling funds held in accounts outside of the UK, will need to be settled by electronic Telegraphic Transfer (TT), also known as a SWIFT transfer.

Automated currency orders (on the phone only)If you have instructed us to try to achieve a target exchange rate through the use of automated Stop

Loss and/or Limit Orders, then we don’t require any funds from you until your automated currency order has been achieved (unless you are a non-UK based resident, in which case a deposit may be required). If achieved, we’ll contact you to discuss the details of your trade and settlement procedures and will send you a Trade Confirmation.

Regular Currency Transfers (RCT)Having agreed a RCT plan with you, we will request that you set-up a Standing Order or forward dated Faster Payment with your bank. Alternatively, we will Direct Debit your account five business days (standard settlement time for bank Direct Debit service) before the agreed value dates, to ensure your payment clears and your transfer can be sent out on time.

For Fixed Forward RCT plans only (see page 7), you’ll need to send us your first and last instalments when sending us payment for the first time. We’ll retain your last payment as a security deposit and will use it to settle your final payment at the end of your contractual term. As Direct Debit arrangements can take up to four weeks to initiate, we recommend you send in your first

instalment independently if you wish us to use the Direct Debit process.

We’ll send your payments as priority payments to your beneficiary account anywhere in the world, but please note that the beneficiary foreign account to which your regular currency transfer has been sent may not be credited for up to five business days, depending on the currency sent and country it has been transferred to. This is due to the banking process and not any delay intended by Halo Financial.

Transfers from company accounts or third partiesWhen sending funds drawn on a company account, we require proof that the person(s) sending them are authorised to do so, even if funds are drawn from their own company. A brief letter/fax on company headed

paper from an individual authorised to make financial payments on behalf of the company, stating for whom the funds are intended, would suffice. Reference to the amount being transferred and the Trade Reference Number (TRN) of the trade must be included.

Guide to International Payments and Clearance Times

* BACS transfers can be used to pay for spot contracts only if you’ve notified your dealer in advance.** Payments need to be sent in good time before a trade’s value date to clear in our client transaction accounts by the value date.*** We do not accept cheques drawn in foreign currency. **** Pounds Sterling, Euro, US Dollar Telegraphic Transfers clear the same day assuming the payment has been initiated before the banks’ cut-off time.

Other currencies may take up to five working days.

Please note it is your responsibility to direct your bank to settle your trade. More detailed settlement guidance can be found on our website www.halofinancial.com/faqs/settlements-faqs. If you don’t have access to the internet, then please request a copy and we will be happy to post or fax it to you.

Payment Method

Clearance (Business Days)

Same Day Urgent Payment

Spot Contract Payment

Forward Contract Deposit (Margin)

Payment

Forward Contract Balance Payment

CHAPS(Transfers within UK)

Same Day 3 3 3 3

Faster Payment(Transfers within UK)

Same Day 3 3 3 3

BACS(Transfers within UK)

3 7 3* 3 3**

CHEQUE***(Pound Sterling only)

6 7 7 3 3**

Telegraphic Transfer (TT)

(Transfers outside UK)Various**** 3 3 3 3

Cash Not Accepted Not Accepted Not Accepted Not Accepted Not Accepted

Important

When sending us your settlement funds please ensure your payment is referenced with your Trade Reference Number (TRN) e.g. TRN123456 (for illustration only). Should you be paying us via telephone banking you will need to verbally notify your bank to do so, or type it in the reference box when making payment via online internet banking.

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Sending Your Payment Out

To help us to send your money to your beneficiary account accurately and quickly, it is essential that you provide the full bank details for the bank account you want credited. You will have the choice of:

1) Using our secure Halo Online portal to access your own personalised account. You can update your contact details and the details of any recipients directly through the system.

2) Alternatively, you can supply this information to us by completing the ‘Onward Payment Instruction’ page of the Trade Confirmation document.

When we have sent your payment we will notify you by sending you an email confirmation.

Please be aware that your beneficiary bank may charge you when funds from us are received. For details of any charges applied by your beneficiary bank, please contact them directly.

Information required includes:

For non-Euro payments

• Name of the account holder

• Name of beneficiary bank

• Address of beneficiary bank

• Beneficiary bank code (if appropriate)

• Beneficiary branch code

• Beneficiary bank SWIFT Business Identifier Code (BIC)

• Beneficiary bank account number

For Euro payments

• Name of the account holder

• Name of beneficiary bank

• Address of beneficiary bank

• Beneficiary International Bank Account Number (IBAN)

• Beneficiary bank SWIFT BIC code

Failure to provide both a valid SWIFT BIC and IBAN of your beneficiary bank for payments to European countries will incur an administration fee and may result in payment delays.

Step 3 - Sending your payment out

Bank Code Country Code Location Code Branch Code

B A R C G B 2 2 X X X

Country Code Check Digits Bank Code Sort Code Account Number

G B 5 0 B A R C 1 2 3 4 5 6 1 2 3 4 5 6 7 8

Example of a SWIFT BICPlease note the example below is for illustrative purposes only.

Please note it is not essential to provide an 11 digit BIC if you don’t have one. However you must provide an eight digit code instead.

Example of a UK IBANPlease note the example below is for illustrative purposes only.

Please note the above example is an IBAN for a UK-based bank. IBANs for other banks within other countries will look similar but will vary in length.

Further information on country-specific IBANs and other outbound settlement information can be found on our website: www.halofinancial.com/faqs/settlements-faqs

This section lists the information you need to supply us with to enable us to send your payment out to your designated beneficiary account, to ensure your payments are made quickly and accurately.

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Frequently asked questions & final checks

We hope this booklet answers the majority of your questions, but please find below some commonly asked ones.

Important

• Always have your Trading Facility Number (TFN) available when communicating with us.

• Make sure you’ve checked your Trade Confirmation carefully.

• Ensure all settlement funds are referenced with the appropriate Trade Reference Number (TRN).

• Make sure you correctly complete your Onward Payment Instruction for each separate payment.

• Ensure you pay for your trade in full before the value (settlement) date.

• Make sure you allow plenty of time for the payment to arrive by the value (settlement) date.

Why should I use Halo Financial rather than my bank or other broker?Simply because we make it easier and cheaper to make a foreign exchange transaction. But equally because we turn a stressful process that you may not understand into an enjoyable one that you feel in control of. Customer feedback suggests our clients choose us because our people help us deliver the best service and customer experience with notable comment on the quality, accuracy and personal delivery of the information we provide, as well as great exchange rates.

How do you save me money?Firstly, we can potentially provide better exchange rates than those offered by the banks (this could be up to four percent better, e.g. £4,000 for every £100,000 you transfer.) Secondly, we do not charge commission and our transfer charges are significantly lower. Thirdly, we’ll help you choose the right moment to convert your money, which is important because if you get this right it will save you significantly more than a comparative exchange rate ever would.

How much does it cost?We do not charge a fee on foreign exchange transactions over £5000 to send your money anywhere in the world, unless you agree to a Regular Currency Transfer plan, where we reduce this to only £5 – a significant saving compared to the £40 or equivalent your bank may charge. We will also do our utmost to minimise receiving bank fees, so that this cost is kept as low as possible for our customers. Our pricing is transparent, honest and we don’t charge any set-up fees or commissions.

Can I transfer money back into Pounds or other currencies?Yes. At Halo Financial we offer the very same service and competitive exchange rates for both buyers and sellers of currency and we hold client transaction accounts to facilitate this service.

Do I send you my money before we fix an exchange rate?You are not required to pay monies to us in advance of agreeing a currency trade. However, should you choose to do so, we can hold your money in our client transaction accounts before agreeing a trade.

Is Halo Financial regulated?Halo Financial is regulated by HM Revenue & Customs (HMRC) as a licensed Money Service Business (MSB). Our MSB registration number

is 12197454. We are also authorisedby the Financial Conduct Authority(FCA) under the Payment ServicesRegulation 2009 for the provisionof payment services. Our FCA FirmReference Number is 528727.

To ensure your transactions run smoothly, please follow these useful tips:

If you have any unanswered questions please call us on +44 (0)20 7350 5474, or alternatively please visit the Frequently Asked Questions section of our website

Telephone: +44 (0)20 7350 5474 Email: help@halofinancial.com Web: www.halofinancial.com 13

www.halofinancial.com/faqs

Keeping in touch

Currency Market Updates

As a valued client, you will receive our acclaimed currency market reports “hot off the press”. Reporting on worldwide currencies, our currency analysts scrutinise and interpret the latest economic data and global events to bring you our insights into the currency markets and the reasons why the exchange rates are moving. Sent by email, you can choose to receive this information on a daily or weekly basis.

Exchange Rate Alerts

To keep you abreast of rapidly fluctuating exchange rates, we will regularly send you indicative exchange rates, on a daily or weekly basis, or at specific target exchange rates, if you prefer. These rates will be sent to you by email and/or direct to your mobile by SMS. Just ask your Currency Consultant for further information.

Halo Online

You will be able to view key messages and actions when you log in to Halo Online.

Social Media

Halo Financial regularly places updates on Twitter, YouTube, Facebook, Linked In, and Google+. We also record daily videos, providing explanations of key phrases and terms, descriptions of our services and much more. You can also follow our views on the current news, markets and world affairs.

Daily Currency Insights

Effective communication is the key to making the most of your money. Foreign exchange is a highly volatile market in which the right exchange rate can come and go in the blink of an eye. So we provide relevant, timely and accurate information to help you make the right decision at the right time.

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Helping business clients

Earn £100 If you refer a business that undertakes a foreign currency transaction with us we’ll pay you £100 as a gesture of our thanks.

We’re Better For Business

Are you sure your business or the company you’re working for is getting the best currency deal from your current provider? If the answer is no, or you’re not sure, we can help. We offer competitive exchange rates, a dedicated currency specialist, and can work with you to protect your company’s profit margins from the risks posed by volatile currency markets.

Our clients are typically UK-based businesses of varying sizes and sectors involved in import/export or other cross-border trading activities that require them to trade in foreign currency. Many of the companies we contact are blissfully unaware of the poor exchange rates they are receiving until we put them to the test.

Contact us to receive your free, no obligation, Currency Audit and see how your company could benefit.

Switch to Halo Financial today and your business will immediately benefit from:

• The equivalent of an in-house FX or Treasury Management department, without the costs

• A dedicated, qualified currency expert to help you make the right decisions

• Proactive risk management of your daily, weekly, monthly, or annual FX requirements

• Regular currency updates that keep you informed for your currency planning

• Exchange rates monitored 24/7 to maximise the chances of getting the best rate

• Very competitive exchange rates to save your business money

• Immediate execution, fast payments to reduce time

• Free currency transfers*

• A high touch, personal service

• Access to Halo Online: register and trade directly and securely in a matter of minutes

Your Company Needs Your Help

Do you know of a company that has a foreign exchange exposure? It may be your own business, a friend or family member’s, or the company you or your partner works for. If so, please contact your dedicated Currency Consultant or call our Corporate Client team on

+44 (0)20 7350 5470. They’d love to hear from you.

* One free transfer per currency trade.

In this section we introduce you to the foreign exchange benefits we can offer your business or the company you work for. Is your business with another currency provider? Consider Halo Financial.

“ Halo Financial has been invaluable in planning our foreign currency requirements. They have kept us in touch with the markets and provided accurate market analysis enabling us to hedge our foreign currency risk. As a result we have been able to achieve significant savings compared to our previous currency provider. We particularly like the personal service and prompt attention we receive from the whole team and definitely recommend their services.

” Financial DirectorMedia Publisher

Telephone: +44 (0)20 7350 5474 Email: help@halofinancial.com Web: www.halofinancial.com 17

Contact us

Opening hours (UK time)

Monday — Thursday 8.30am — 8.00pm

Friday 8.30am — 5.30pm

For more information on how Halo Financial can help reduce your currency risk and simplify the process of buying and selling foreign currency, please contact us in the following ways:

Online

Please visit our website www.halofinancial.com

Access and Trade via Halo Online

https://login.halofinancial.com

By Email

We can be emailed at help@halofinancial.com

By Phone

Our knowledgeable people are available to explain any aspect of our services, please call our Private Client team on

+44 (0)20 7350 5474 or speak to your dedicated Currency Consultant.

Partner with us today

Halo Financial works with peoplearound the globe who routinelyrefer their clients, work colleagues,business associates, friends andfamily to move their moneyoverseas reliably and efficiently at the very best exchange rate. For more information visitwww.halofinancial.com/partner-with-us

Telephone: +44 (0)20 7350 5474 Email: help@halofinancial.com Web: www.halofinancial.com 19

“ Great service and very convenient. I was able to communicate by email from New Zealand with no problems. Would recommend and use again.

” review

Halo Financial LimitedBattersea Studios 282 Silverthorne RoadLondonSW8 3HEUnited Kingdom

Telephone +44 (0)20 7350 5474Fax +44 (0)20 7350 5475

Email help@halofinancial.comWeb www.halofinancial.com

ComplianceAuthorised by the Financial Conduct Authority under the Payment Services Regulations 2009, FRN: 528727. Her Majesty's Revenue & Customs MSB registration No. 12197454. Registered in England No. 5155787. © 2016 Halo Financial Ltd.