This document provides a guide for customers of Halo Financial on how to buy and sell currency through their services. It outlines the key steps which include: 1. Choosing the appropriate contract type such as spot, forward, or regular currency transfers depending on needs and timeframes. 2. Agreeing an exchange rate and booking the deal with a dealer over the phone. A written confirmation will then be sent. 3. Paying for the deal by sending funds to Halo Financial according to the terms of the specific contract. Payments can be made by bank transfer. The guide provides information on contract options and definitions to help customers understand foreign exchange and utilize Halo Financial's services effectively. It

1. Halo Financial Limited
11 Ivory House
Plantation Wharf
London
SW11 3TN
United Kingdom
Telephone
Fax
+44 (0)20 7350 5470
+44 (0)20 7350 5475
Email
Web
help@halofinancial.com
www.halofinancial.com
Foreign Exchange Welcome Guide
A simple step by step guide on how to buy and sell currency with Halo Financial
Authorised by the Financial Services Authority under the Payment
Services Regulations 2009 for the provision of payment services

2. Welcome
It’s all here
Thank you for choosing Halo Financial. We hope you’ve
been impressed with our service so far.
Foreign exchange can damage your profitability.............................. 4
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.
Choosing the right contract............................................................... 6
Agreeing an exchange rate and booking a deal............................... 8
Paying for your deal................................................................................. 9
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.
Sending your money out................................................................... 11
Frequently asked questions & final checks.................................. 12
Communicating with you...................................................... 14
Helping with personal transfers too................................................. 16
Contact us............................................................................................ 18
3

3. 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 October
2010. 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
£413,000 at the start of October
but, because the exchange rate
fell, it actually cost you £441,200
at the end of the month.
That’s an increase of £28,200 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 start of
September 2010. You have priced
your product at an exchange rate
of $1.5300 and, after repatriating
the US Dollars back into Pounds,
expect to receive almost £654,000
with a profit margin of 10%.
However when you receive the
$1,000,000 on 8th October the
exchange rate has risen to $1.5870
and you only receive £630,000 in
return for your goods.
That’s a loss of £24,000, or almost
40% of the deals profit margin, in
only 1 month and it’s solely due to
exchange rate fluctuations.
5

4. Choosing the right contract
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:
• ake salary payments to staff in
M
overseas offices
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 2 business
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
• ay rental payments on overseas
P
offices
• epatriate royalties or any other
R
overseas income
M
• anage 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
• our budgeted exchange rate and
Y
profit margin
• he prevailing exchange rate and
T
market sentiment
• Your risk parameters
How we work together to manage
your exposure may fall into the
following three categories:
• igh risk – Do nothing until your
H
obligation needs to be met
• edium risk – Buy/sell your currency
M
immediately on a spot basis
• ow risk – Lock into fixed
L
exchange rates
• isk management strategy –
R
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

5. Step 1 - Agreeing an exchange
rate and booking a deal
Step 2 - Paying for your 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.
To ensure your payment is processed quickly, this
section tells you all you need to know about paying
for your transaction.
Booking a Deal
Inbound Transfers - .
Sending Us Your Money
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.
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.
Contract Confirmation
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.
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.
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 (usually
up to £100K maximum for corporate
Faster Payments).
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.
8
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
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.
9

6. 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
Step 3 - Sending your money out
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.
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.
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
Information required includes:
3
7
3*
3
3**
Various***
3
3
3
3
Not Accepted
Not Accepted
Not Accepted
Not Accepted
Not Accepted
• Beneficiary International Bank
Account Number (IBAN)
For non-Euro payments
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.
For 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
• Beneficiary 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
(Transfers outside UK)
Cash
account may result in charges being
applied by your bank. For details of
any charges applied by your bank
please contact them directly.
Outbound Transfers – .
Sending Your Money Out
* 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.
A
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
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.
Country Code
G
B
Check Digits
5
0
Bank Code
B
A
R
Sort Code
C
1
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
10
11

7. Frequently asked
questions final checks
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 (CRN).
• 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.
Is Halo Financial regulated?
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
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 Services Authority
(FSA) under the Payment Services
Regulations 2009 for the provision
of payment services. Our FSA Firm
Reference Number is 528727.
13

8. 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 Widget
Download our currency widget,
called Halo Financial Desktop Dealer,
directly onto your PC and never miss
out on a vital move in your exchange
rate. It’ll save time and money.
The application sits on your desktop
and will keep you informed of
developments in the currency market
by allowing you to view:
• requently updated exchange rates
F
• alo alerts informing you of major
H
rate changes and breaking news
• xpert video commentary from our
E
trading floor
• Daily currency news
• Currency converter
It is non-intrusive and customisable,
allowing you to personalise your view
and content.
Download it now by visiting
www.halofinancial.com/
desktopdealer
Currency Market Updates
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.
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.
Television Interviews
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.
Halo Financial Desktop Dealer
illustration
We will notify you by email of the
times and dates of forthcoming
interviews for you to view on live
television from the comfort of your
home. However, don’t worry if you
don’t have access to satellite or
cable television as we’ll also post the
interview on our website
www.halofinancial.com/news
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9. Helping with personal
transfers too
In this section we introduce you to the foreign
exchange benefits we can offer you, your friends
and family. Still with the bank? It’s time to switch.
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 bank? 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
• Regular currency updates that
are understandable and you can
react to
• Exchange rates monitored 24/7 to
maximise the chances of getting
the best rate
• Protection against exchange rate
volatility
• ‘Better than bank’ exchange rates
to save you money
• Immediate 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.
Earn £50*
If you refer a private client that
undertakes a foreign currency
transaction with us we’ll pay you
£50 as a gesture of our thanks.
* Assuming a minimum currency
transaction of £5000.
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10. Contact us
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
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.
Compliance
Opening hours (UK time)
Monday — Thursday
8.30am — 8.00pm
Friday
8.30am — 5.30pm
Halo Financial Ltd is regulated by HM Revenue Customs: MSB No. 12197454.
Halo Financial Ltd is authorised in the UK by the Financial Services Authority (FSA): FRN No. 528727.
Halo Financial Ltd is registered in England as a Limited Company: No. 5155787.
The registered office is Stoughton House, Harborough Road, Oadby, Leicester, LE2 4LP.
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