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

Welcome to Halo Financial

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

As well as saving you money with highly competitive exchange rates and protecting your financial interests against adverse currency fluctuations, we’ve written this welcome booklet to simplify the process of buying and selling currency.

We recognise that it can be stressful. So we hope this booklet provides you with all the information needed to buy and sell currency with confidence and security.

We all hate lengthy instruction manuals so you’ll only find relevant information within this booklet. We’re confident you’ll find all the information contained of interest. However if you read nothing else, we recommend you read the three easy to follow steps on how to use Halo Financials’ services. For ease of navigation, we’ve highlighted these tabs in red.

So there’s no need to be intimidated by the foreign exchange market or the process of buying and selling

foreign currency. We look forward to undertaking your first transaction with you.

If you require any further assistance with any aspect of our

service please contact a member of our Private Client team

on +44 (0)20 7350 5474.

Halo Financial Limited11 Ivory HousePlantation WharfLondonSW11 3TNUnited Kingdom

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

Email help@halofinancial.comWeb www.halofinancial.com

Authorised by the Financial Services Authority under the Payment Services Regulations 2009 for the provision of payment services

Halo Financial. Putting people firstPersonal foreign exchange services, professionally delivered

Welcome to Halo Financial

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

As well as saving you money with highly competitive exchange rates and protecting your financial interests against adverse currency fluctuations, we’ve written this welcome booklet to simplify the process of buying and selling currency.

We recognise that it can be stressful. So we hope this booklet provides you with all the information needed to buy and sell currency with confidence and security.

We all hate lengthy instruction manuals so you’ll only find relevant information within this booklet. We’re confident you’ll find all the information contained of interest. However if you read nothing else, we recommend you read the three easy to follow steps on how to use Halo Financials’ services. For ease of navigation, we’ve highlighted these tabs in red.

So there’s no need to be intimidated by the foreign exchange market or the process of buying and selling

foreign currency. We look forward to undertaking your first transaction with you.

If you require any further assistance with any aspect of our

service please contact a member of our Private Client team

on +44 (0)20 7350 5474.

Halo Financial Limited11 Ivory HousePlantation WharfLondonSW11 3TNUnited Kingdom

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

Email help@halofinancial.comWeb www.halofinancial.com

Authorised by the Financial Services Authority under the Payment Services Regulations 2009 for the provision of payment services

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

Dedicated to getting you the best deal

How can you be sure you're getting the most out of your money when you exchange it? The answer is, unless you plan ahead, you can't. Sure, you can shop around and see who's offering the best rate and the lowest commission on the day but currencies fluctuate all the time.

Without the help and expertise of a dedicated currency dealer constantly watching the markets for you, you are likely to lose money simply by converting it at the wrong time. That’s where we add maximum value. Our experts can help you avoid that.

At Halo Financial we’ll assess your needs and provide you with a dedicated currency expert to help you make the right trade at the right time, saving you money and ensuring your payments are delivered promptly. You'll be pleased to know we also offer better exchange rates than the bank and we don’t charge commissions on your trades.

In other words, we don't just o�er a professional currency trading service and lower costs. We o�er peace of mind, too.

Halo Financial Limited11 Ivory HousePlantation WharfLondonSW11 3TNUnited Kingdom

Business Clients +44 (0)20 7350 5470Individual Clients +44 (0)20 7350 5474Fax +44 (0)20 7350 5475

Email help@halofinancial.comWeb www.halofinancial.com

Authorised by the Financial Services Authority

Benefit from having your own

personal currency dealer

We’re responsive and proactive to your needs. When you sign up with Halo Financial, we’ll evaluate your foreign exchange requirements and formulate a plan that suits you best. Then, it’s a matter of watching the markets, applying professional trading techniques and the experience of your dealer to ensure you make the right trade at the right time.

Better than the bank

We are currency trading specialists committed to the highest levels of personal service and dedicated to making sure you get the most out of your money. Our service is fast, friendly and efficient and your currency trades will be monitored 24/7. We’ll always find a way to help.

Make the most out of your money

Because we specialise in foreign exchange and related services it means our understanding of the currency market is second to none and we are able to offer rates that other financial institutions find hard to beat. Lower overheads mean we can offer better exchange rates without compromising the quality of our service. In fact, our focus only makes us stronger.

Whether you’re looking to make a one-off payment or set up a regular transfer, Halo Financial can help you do it more efficiently and at a reduced cost. Most importantly, you’ll be talking to a real person on the phone, a foreign exchange specialist dedicated to getting you the best deal.

Why not give us a call?

+44 (0)20 7350 5474

Fluctuations in foreign exchange rates, complex international payment plans and a bewildering array of currency trades can be confusing and choosing the wrong option can be very costly. We’re here to make things a little easier by providing you with professional help.

Why choose Halo Financial?

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Why do I need a personal

currency dealer?

In short, the more informed you are, the more money you will save by converting your funds at the right time. Talking through your requirements with a dedicated expert will help you make the right choice. Your FX Consultant will help you understand why exchange rates fluctuate, explain all your options and help you process your payments, making complicated financial transactions easy.

How will you keep me updated?

You choose how we contact you. You can receive updates via phone, regular emails, or even access real-time data using our custom-built currency widget, enabling you to make informed choices about your currency conversions. With Halo Financial, you’re always kept updated so are always in control.

Can you handle my payments

for me?

Absolutely. We don’t just handle currency transactions, we also provide payment and transfer services too, meaning that you can relax knowing your money is being transferred accurately, quickly and efficiently to your chosen beneficiary.

We are:

• Safe, reliable and efficient

• Specialists at timing and planning currency transactions

• Better value than the bank, better rates, zero commission

• Interested in building long term relationships with all our clients

• Dedicated to providing a service that’s friendly and easy to understand

We will:

• Save you money by beating your bank exchange rate

• Increase your purchasing power by helping you to pick the most favourable time to trade

• Reduce the worry associated with currency fluctuations on regularly currency transfers

• Help you plan for the future, with a strategy tailored to your specific needs

• Make payments and transfers on your behalf, reducing the stress of sending money abroad

• Provide you with information to help you make informed choices about your currency transactions

Professional service. Peace of mind

An expert on the end of the phone. Isn’t it time you made the switch to Halo Financial?

For more information, visit our websitewww.halofinancial.com

Our services are ideal if you’re:

• An expat making regular payments home

• Retired and collecting your pension from abroad

• Buying or selling property abroad

• Emigrating or investing in foreign assets

• Importing luxury items, like a car or a boat

• Simply needing to make an international payment

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Buying overseas property

A European property priced at €250,000 would have cost you £223,600 at the end of October 2010, but would have cost you £15,180 less just over one month later. Knowing when the time is right to make your currency transaction can save you a lot of money. Our currency experts will help you better time your transactions.

Emigrating

The only thing worse than going on holiday and finding out your money is worth less than you thought it would be, is moving abroad permanently and making the same mistake. For example, if you were emigrating to Australia and converted £250,000 of your money at the start of September 2010 you would have arrived with A$431,000. But if you had waited four months and exchanged at your point of departure, you’d be going with A$53,000 less in your pocket. We can help you choose the best time to transact.

Making regular currency transfers

You may need to move money overseas regularly, for example making foreign currency mortgage payments, transferring rental income, paying tuition fees or picking up your pension in another country. We offer a better, more responsive, less expensive way to make regular transfers than the bank.

Our Regular Currency Transfer service can make budgeting easier and because it’s automated, will

ensure important payments are met on time, every time. Because you can choose to fix an agreed exchange rate, you’ll always know how much money you’ll receive and how much you’ll need to pay. It’s a low cost, high convenience solution. Once set up, you can sit back and relax in the knowledge that your money will be automatically received and sent out by us to your selected beneficiary.

Take a look at the example below.

How we can help

Timing is everything. Don’t let currency fluctuations take you by surprise. Halo Financial can help you make the most out of your money, whether you’re making a one-off payment or transferring money every month.

*Figures used are for illustrative purposes only and may not reflect present exchange rates or bank charges

High Street Bank Halo Financial Saving

Cost in Pounds £1260 £1250 £10

Commission Charge £25 (2% X £1260)

FREE £25

Transfer Fee £30 £5 £25

Total You Pay £1315 £1255 £60

The following example shows how much money Halo Financial could save you compared to the bank, assuming you need to buy 1500 Euros:

Need to make regular currency transfers?

Using Halo Financial could save you £60 per month, £720 per year, or £10,800 over a typical 15 year mortgage period.

Easy and stress free – priceless.

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Spot contracts

A Spot contract is an agreement to buy or sell currency for immediate delivery at an agreed exchange rate. It’s a ‘trade now, pay now’ type contract and is the simplest and fastest means of buying or selling currency.

Forward contracts

Forward contracts enable you to fix an exchange rate to buy and sell currency for settlement on or before an agreed date up to 24 months in advance. It’s a ‘trade now, pay later’ type contract and because the rate is fixed, it isn’t affected by currency movements between the date it was agreed and the date the contract is due to be settled.

Your currency can be delivered earlier or later than the agreed settlement date either in full or in multiple payments on different dates by drawing down from the initial lump sum. Perfect if, for instance, you have bought an overseas property and need to pay different amounts on fixed instalment dates.

Automated currency orders

Halo Financial delivers best-value deals by using automated currency orders that help you use currency volatility to your advantage; protecting you against currency loss and maximising your currency gain. You don’t have enough time to monitor exchange rates continually. So we do it for you – 24/7.

There are two types of automated currency order:

Stop Loss ordersA Stop Loss order is an automated order to buy or sell currency at a predetermined ‘worst case’ exchange rate, which if achieved, will automatically fulfil your instruction. It is used to protect yourself against the exchange rate moving against you.

Limit ordersA Limit order is an automated order to buy or sell currency at a predetermined ‘best case’ exchange rate, which if achieved, will automatically fulfil your instruction. By exchanging at a better exchange rate you will receive more currency for your money.

Make it easy on yourself. Call the experts

Confused about the different kinds of currency transactions available? We’re here to help. Our experts can guide you through the various types of transaction and help you pick a combination of services that are right for you.

Getting started

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Setting up a trading facility with Halo Financial is quick and easy. Invest 5 minutes today, save £’000’s tomorrow.

Contact us today and we’ll guide you through the process

Before we can undertake a currency transaction on your behalf, you will need to open a trading facility. There are three ways in which you can apply:

1. Online by visiting www.halofinancial.com/apply This is a secure and quick process.

2. Call us on +44 (0)20 7350 5474 and we can complete your application over the phone.

3. Complete the enclosed application form and return it to us in the post.

There is no cost to opening a Trading Facility and you are never under any obligation to transact unless you wish to do so. We simply need a few details to help us identify you. Once you’ve set up your facility you’ll be assigned a dedicated expert to discuss your requirements and help you choose a plan of action that best fits your needs.

For further information or to discuss your needs call

+44 (0)20 7350 5474 or visit

www.halofinancial.com

FAQsHow do you save me money?

By providing a better exchange rate, lower transaction costs and we don’t charge commission. We’ll help you choose the right moment to transact your money as well.

How much can I save?

Bank exchange rates are often up to 4% worse than ours. That means you can save up to £2000 for every £50,000 you exchange. You can be certain we’ll work hard to maximise the value of your money so you’ll receive more than you would elsewhere.

When would I receive my currency?

Providing we have received your payment on time, you will receive your currency on the agreed settlement date or within a working day or two thereafter depending on the currency being transferred.

How safe is my money?

We are authorised by the Financial Services Authority (FSA) under the Payment Services Regulations 2009 for the provision of payment services. Our FSA Firm Reference Number is 528727. Also, we are regulated by HM Revenue & Customs (HMRC) as a licensed Money Service Business (MSB). Our MSB registration number is 12197454.

Call us at a time that suits you

Monday — Thursday 8.30am — 8.00pm

Friday 8.30am — 5.30pm