Halo Financial Welcome Guide - Corporate Client

Foreign Exchange Welcome Guide A 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 out of 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 11.

We’re confident you’ll find our services easy to use and, with this welcome guide and assistance from your dedicated FX Dealer, 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, helping your business grow and compete more successfully in today’s global market place by ensuring you get the most out of every trade.

If you’ve got any questions, please visit www.halofinancial.com/faq or contact us on +44 (0)20 7350 5470.

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It’s all here

Foreign exchange can damage your profitability.............................. 4 Choosing the right contract............................................................... 6 Agreeing an exchange rate and booking a deal............................... 8 Paying for your deal................................................................................. 9 Sending your money out................................................................... 11 Frequently asked questions & final checks.................................. 12 Communicating with you...................................................... 14 Helping with personal transfers too................................................. 16 Contact us............................................................................................ 18

Telephone: +44 (0)20 7350 5470

Email: help@halofinancial.com

Web: www.halofinancial.com

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Foreign exchange can damage your profitability

Volatile exchange rates can significantly affect your currency transaction and the value of your money.

Let’s see how.

Currency Volatility

Timing

When your business deals in foreign currency you’re exposed to currency risk. Without an understanding of these risks or appropriate risk management strategies in place, the cost to your business could be significant; particularly if you are one of many companies that agree a price for imported or exported goods in advance, only for the exchange rate to change before delivery and settlement.

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. Whilst Halo Financial cannot always predict future exchange rates, we have the necessary experience and advanced systems to protect and enhance your financial interests, so your deals remain competitive and your profit margins are protected.

For importers

We’ll help you:

If your company imports you’ll no doubt want to pay as little as possible for your purchased goods. More importantly, you’ll want to ensure you don’t pay any more than you had originally accounted for. Take a look at Example 1.

• Identify your exposures

For exporters If your company exports and are invoicing in foreign currency, you’ll want to repatriate as much money as possible back into your cost base currency. More importantly, you’ll want to avoid receiving less for your goods than accounts expected.

Take a look at Example 2.

• Understand the products • Develop risk management strategies

Example 1 Let’s assume your company receives an invoice to pay €500,000 at the start of September 2014. Accounts payable pay the invoice, in line with company procedure, at the end of the 30 day credit period with no provision against currency volatility. The €500,000 invoice would have cost you only £301,204 at the start of September but, because the exchange rate fell, it actually cost you £313,479 at the end of the month.

That’s an increase of £12,275 in only 1 month and it’s solely due to exchange rate fluctuations.

• Implement them easily

Other Whatever your reason for undertaking an international payment, we can help. We both buy and sell in the majority of freely tradable currencies and can deliver your funds on a same day basis, currency permitting.

Example 2 Let’s assume your company exports goods to a US client and invoices them for $1,000,000 at the end of December 2014. You have priced your product at an exchange rate of $1.26 and, after repatriating the US Dollars back into Pounds, expect to receive almost £793,650 with a profit margin of 10%. However when you receive the $1,000,000 at the end of January 2015 the exchange rate has risen to $1.3470 and you only receive £742,390 in return for your goods.

That’s a loss of £51,260, or almost 65% of the deals profit margin, in only 1 month and it’s solely due to exchange rate fluctuations.

Telephone: +44 (0)20 7350 5470

Email: help@halofinancial.com

Web: www.halofinancial.com

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Choosing the right contract

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

Contract Types Spot contracts If you need to undertake an immediate transaction and you have all your funds immediately available to settle the trade, 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 up to 5 working days of the date the contract is initiated.

Customer benefits: • Beneficial exchange rate • Best for urgent transactions • Trade now, pay now • Simplicity 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 contracts If 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.

They are a simple, yet highly effective, 6

method of managing future currency risks and are commonly used to protect budgeted exchange rates on a deal by deal or annual basis.

Because they do not need to be paid for in full up front, they can help you better manage your cash flow too.

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. 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: • Eliminate uncertainty, simplify budgeting • Guarantee a transactional or annual budgeted exchange rate now for settlement in the future • Protect future business against adverse foreign exchange rate movements • Make multiple payments from the initial lump sum • No need to monitor daily exchange rate movements so you can concentrate on your core business • No premium cost In order to fix and guarantee the exchange rate on a Forward contract, you will need to pay a small deposit (known as a ‘margin’), to secure the trade. This needs to be deposited in a designated Halo Financial transaction account within one business day of agreeing the transaction. You will need to pay the remaining balance before the contract matures (value date). Halo Financial reserve the right to Margin Call you to re-establish the value of the margin should it fall below the originally agreed and stipulated threshold.

Regular Currency Transfers (RCT) Making regular payments across borders yourself and through your bank can be frustrating, expensive and time consuming. You’ll be paying high charges and will

receive a different exchange rate every month. So we’ve made the process much easier and cheaper.

Our Regular Currency Transfer (RCT) service will help you: • Make salary payments to staff in overseas offices • Pay rental payments on overseas offices • Repatriate royalties or any other overseas income • Manage other regular and repeat currency payments 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 options on the duration of the plan and the frequency of your payments as well as opt for one of 3 payment dates in the month to ensure your money is received when it’s needed.

It’s far simpler and more convenient than using your bank. 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 send and you can send as little as £250 per month, £400 bi-monthly and £500 quarterly.

RCT Options Option 1 - Fix the amount of currency you want to buy By fixing the amount of foreign currency you buy, you’ll know exactly how much foreign currency will be sent to your account or other beneficiary. The amount of money needed to pay for the contract will vary dependent on our prevailing exchange rate at the time of the transfer.

Option 2 - Fix the amount of money you want to pay By 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 to your account or other beneficiary will vary dependent on our prevailing exchange rate at the time of the transfer.

Option 3 - Fix both By 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 between 6 and 24 months and payments can be scheduled to be made on a monthly, bi-monthly or quarterly basis to give you complete control on how much you send and spend.

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

Develop Risk Management Strategies For many companies, trading currencies is an unwelcome and costly administrative process undertaken when time allows, rather than when the exchange rate is trading most favourably. This passive approach to risk management can prove costly to companies large and small.

Operating as your own in-house treasury department with all the expertise but without the costs we’ll help you identify the best currency strategy after identifying: • What currencies you’re trading

You can find more information on our RCT service on our website at www.halofinancial.com/rct

Automated Currency Orders We offer two types of automated currency orders known as ‘Limit’ and ‘Stop Loss’ Orders that will help you target a better exchange rate or protect you against a worsening one. We’ll monitor your target exchange rates around the clock and will automatically buy or sell your currency if your pre-determined exchange rate is achieved. Their use allows you to use currency volatility to your advantage; protecting you against currency loss and maximising your currency gain.

They provide significant advantages over your bank’s limited opening hours and inflexible solutions and can be modified or cancelled prior to the transaction taking place.

• How much you’re buying/selling • The timeframe available • Your budgeted exchange rate and profit margin • The prevailing exchange rate and market sentiment • Your risk parameters How we work together to manage your exposure may fall into the following three categories: • High risk – Do nothing until your obligation needs to be met • Medium risk – Buy/sell your currency immediately on a spot basis • Low risk – Lock into fixed exchange rates • Risk management strategy – Use automated currency orders and/or combination of the above

Help? I’m confused!

• Flexible; can be modified or cancelled

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

• Monitored by professionals – 24/7

Please call +44 (0)20 7350 5470

Customer benefits: • Ability to protect and improve your profit margins

• Zero cost 7

Step 1 - Agreeing an exchange

rate and booking a deal

This section will tell you all you need to know about how to book a deal and the paperwork you’ll receive after agreeing an exchange rate.

We all hate paperwork but it’s important information that’ll ensure your transactions are executed accurately and your payments are made quickly.

Booking a Deal

Contract Confirmation

Once we have understood your requirements, timeframes and expectations, your FX Dealer will explain the strategies and solutions available to you. You will be updated regularly with important currency moves and will benefit from our expert views and analysis of developing market trends. Only then will you 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.

The Contract Confirmation is a document that confirms each currency transaction that you undertake in writing. Each Contract Confirmation will be referenced with a unique Contract Reference Number commonly abbreviated to CRN. These numbers enable us to identify individual contracts so please have these available should you wish to discuss the specifics of a transaction.

On request your FX Dealer will quote you an exchange rate. Should you be happy with the quote you will need to notify your FX Dealer that you would like to book a deal at that exchange rate and go ahead with the transaction. We will then verbally agree the deal with you and send you a Contract Confirmation confirming the transaction in writing.

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We prefer to send Contract Confirmations by email so you should receive it within a few minutes of verbally agreeing the transaction.

However, in the unlikely event that you don’t receive a Contract Confirmation within 24 hours, you must notify us immediately.

Important Please note that because exchange rates fluctuate by the second, we accept your verbal instruction to buy or sell currency as the legally binding contract between you and Halo Financial.

The decision to agree a transaction is yours alone and if the exchange rate improves you cannot change your mind and amend the agreed contract.

Halo Financial can only act upon your specific instructions.

To ensure we carry out your instructions accurately our telephone lines are digitally recorded.

Step 2 - Paying for your deal

To ensure your payment is processed quickly, this section tells you all you need to know about paying for your transaction.

Inbound Transfers Sending Us Your Money On receipt of your Contract Confirmation, you’ll need to make arrangements with your bank to settle the required outstanding balance of your contract by the agreed date(s).

The Contract 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 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.

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

Telephone: +44 (0)20 7350 5470

Forward trades 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 2 business days before the value date (the future date the currency has been reserved for).

Both the margin deposit and balance payment can be paid for by CHAPS, Faster Payment (dependent on your bank and usually up to £100K maximum for corporate payments) or BACS assuming your settlement is denominated in Pounds Sterling.

It is important that enough time is factored in for the transfer to clear into our transaction accounts: CHAPS transfers and Faster Payments clear the same day and BACS on the 3rd business day (see Guide to International Payments and Clearance Times table on Page 10).

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 If you have instructed us to try to achieve a target exchange rate through the use of automated Stop

Email: help@halofinancial.com

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 company, in which case a deposit may be required).

If achieved, we’ll contact you to discuss the details of your contract and settlement procedures and will send you a Contract Confirmation.

Important Please note that if you instruct your bank to send us Pounds Sterling by telephone or internet banking, your bank may automatically transfer your money to us by BACS transfer. As BACS transfers take 3 business days to clear, this is not a suitable payment method for settling same day or standard 2 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 FX Dealer so we can extend your contract’s value date to accommodate the additional clearance time.

Any transfer made by Faster Payment may be limited to a maximum transfer value of GBP 100,000 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.

Web: www.halofinancial.com

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Regular Currency Transfers 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 5 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 (option 3 on 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 4 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 5 business days, dependent on the currency sent and country it has been transferred. This is due to the banking process and not any delay intended by Halo Financial.

Important When sending us your settlement funds please ensure your payment is referenced with your Contract Reference Number (CRN) e.g. CRN123456 (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.

Guide to International Payments and Clearance Times Payment Method

CHAPS (Transfers within UK)

Faster Payment (Transfers within UK)

BACS (Transfers within UK)

Telegraphic Transfer (TT)

Clearance (Business Days)

Same Day Urgent Payment

Spot Contract Payment

Forward Contract Deposit (Margin) Payment

Forward Contract Balance Payment

Same Day

3

3

3

3

Same Day

3

3

3

3

3

7

3*

3

3**

Various***

3

3

3

3

Not Accepted

Not Accepted

Not Accepted

Not Accepted

Not Accepted

(Transfers outside UK)

Cash

* 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 contracts value date to clear in our client transaction accounts by the value date. *** Pounds Sterling, Euro, US Dollar Telegraphic Transfers clear the same day assuming the payment has been initiated before the banks cut-off time.

Please note it is your responsibility to direct your bank to settle your transaction. More detailed settlement guidance can be found on our website www.halofinancial.com/settlement.

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Step 3 - Sending your money out

This section lists the information you need to supply us with to enable us to send your money out to your designated beneficiary account. Close adherence to this advice will ensure your payments are made quickly and accurately.

Outbound Transfers – Sending Your Money Out To help us to accurately and speedily send your money to your beneficiary account, it is essential that you provide the full bank details of the bank account you want credited. You will need to supply this information to us by completing the ‘Outbound Transfer Instructions’ page of the Contract Confirmation document. When we have sent your payment we will notify you by sending you an email confirmation.

account may result in charges being applied by your bank. For details of any charges applied by your bank please contact them directly.

For Euro payments

Information required includes:

• Beneficiary International Bank Account Number (IBAN)

For non-Euro payments

• Beneficiary bank SWIFT BIC code

• Name of the account holder • Name of beneficiary bank • Address of beneficiary bank

• Name of the account holder 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.

• Name of beneficiary bank • Address of beneficiary bank •B eneficiary bank code (if appropriate) • Beneficiary branch code • Beneficiary bank SWIFT BIC code

Please be aware that receipt of funds from us into your beneficiary bank

• Beneficiary bank account number

Example and Anatomy of a SWIFT BIC Please note the example below is for illustrative purposes only.

Bank Code B

A

Country Code

R

C

G

Location Code

B

2

2

Branch Code X

X

X

Please note it is not essential to provide an 11 digit BIC if you don’t have one. However you must provide an 8 digit code instead.

Example and Anatomy of a UK IBAN Please note the example below is for illustrative purposes only.

Country Code G

B

Check Digits 5

0

Bank Code B

A

R

C

1

Sort Code

Account Number

2

2

3

4 5 6 1

3

4 5 6

7

8

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

Further information on country specific IBAN’s and other outbound settlement information can be found on our website www.halofinancial.com/settlement

Telephone: +44 (0)20 7350 5470

Email: help@halofinancial.com

Web: www.halofinancial.com

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Frequently asked questions & final checks

If you have any unanswered questions please call us on +44 (0)20 7350 5470, or alternatively please visit the Frequently Asked Questions section of our website

www.halofinancial.com/faq

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

Why should I use Halo Financial rather than my bank or other broker?

Simply because we make it easier, faster and cheaper to make a foreign exchange transaction.

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 provide much better exchange rates than offered by the banks. Secondly, our transaction charges are significantly lower. Thirdly, we’ll help you choose the right moment to transact 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 only charge £15 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 currency equivalent your bank may charge.

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 transaction. However should you choose to do so we can hold your money in our client transaction accounts before agreeing a deal.

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

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

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

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

• Make sure you correctly complete your Onward Transfer Instructions for each separate payment.

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

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

How 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 authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2009 for the provision of payment services. Our FCA Firm Reference Number is 528727.

Telephone: +44 (0)20 7350 5470

Email: help@halofinancial.com

Web: www.halofinancial.com

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Communicating with you

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 guarantee your success when currency trading.

Currency Market Updates

Television Interviews

On a daily or weekly basis our clients receive our acclaimed FX market currency reports ‘hot off the Press’ and direct from our dealing desk.

Reporting on worldwide currencies our currency analysts scrutinise and interpret the latest economic data and global events to bring you our insight 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.

Halo Financials’ expertise and professional standing within the foreign exchange market is widely recognised. Our currency specialists are regularly interviewed on financial television channels such as CNBC and Bloomberg for their expert opinions on the currency and financial markets.

Daily Currency Insight Illustration

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 FX Dealer for further information.

Telephone: +44 (0)20 7350 5470

Social Media Halo Financial regularly place updates on Twitter, YouTube, Facebook, Linked In, and Google+.

Halo record daily videos, have 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.

Email: help@halofinancial.com

Web: www.halofinancial.com

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Helping with personal transfers too

Earn £25* If you refer a private client that undertakes a foreign currency transaction with us we’ll pay you £25 as a gesture of our thanks. * Assuming a minimum currency transaction of £10,000.

In this section we introduce you to the foreign exchange benefits we can offer you, your friends and family. Consider Halo Financial for any large foreign exchange transaction.

Professional Services, Personally Delivered Ask yourself: when it comes to making personal money transfers are you sure you’re getting the best currency deal from your present provider? If the answer is no or you’re not sure, we can help. How? By being faster, more dedicated, and offering a more competitive pricing structure.

Our private clients are typically looking to buy property overseas, emigrate on a part-time or permanent basis, make regular international currency transfers from one country to another for pension, mortgage, salary, rental income transfers or simply needing to undertake ad hoc currency transfers.

Switch to Halo Financial today and you will benefit from: •A dedicated, qualified currency expert to help you make the right decisions •R egular currency updates that are understandable and you can react to

“

Brilliant service. Professional, knowledgeable, nothing is too much trouble attitude. Patient and friendly. I highly recommend them to friends.

”

review

•E xchange rates monitored 24/7 to maximise the chances of getting the best rate •P rotection against exchange rate volatility • ‘ Better than bank’ exchange rates to save you money • I mmediate execution, fast payments to reduce time •A high touch, personal service

Someone You Know Needs Your Help Do you know a person that has a foreign exchange exposure? It may be your personal requirement, a friend or family members. If so, please contact your dedicated FX Dealer or call our Private Client team on

+44 (0)20 7350 5474.

They’d love to hear from you.

Telephone: +44 (0)20 7350 5470

Email: help@halofinancial.com

Web: www.halofinancial.com

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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

By Email

“

Halo Financial have made the intricacies of international finance so simple that everyone should use them.

�

Christine Goldschmidt Halo Customer

We can be emailed at the following address help@halofinancial.com

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

+44 (0)20 7350 5470 or speak to your dedicated FX Dealer.

Telephone: +44 (0)20 7350 5470

Email: help@halofinancial.com

Web: www.halofinancial.com

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Halo Financial Limited Battersea Studios 2 82 Silverthorne Road London SW8 3HE United Kingdom Telephone +44 (0)20 7350 5470 Fax +44 (0)20 7350 5475 Email Web

help@halofinancial.com www.halofinancial.com

Compliance Authorised 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. Š 2015 Halo Financial Ltd.