Halo Financial - Corporate Affiliate brochure

Halo Financial – Partner with us today Grow your business. Save money for your clients. Make money for you.

Director’s Introduction Why do you and your clients need Halo Financial?

Preferred Partner of the:

Halo Financial offers you and your clients greater stability and control, better exchange rates and dedicated service.

Currency fluctuations can cost you money and lose you business. If your client is on a tight budget, even the tiniest variation in the exchange rate can suddenly send an affordable transaction back to the drawing board.

Currencies fluctuate by the second.

We track every movement.

We provide a professional foreign exchange trading service that's proactive and more responsive to volatile currencies than the banks. We charge less, offer better exchange rates, and focus on giving greater stability and control to both you and your clients.

We appreciate how important your clients are to you, so we'll assign a dedicated currency expert to every client.

Our expert will evaluate their needs and help them make decisions that suit their specific objectives. They'll be happy.

They’ll thank you for the recommendation. And we will offer a reward and incentive scheme as a gesture of our thanks.

David Johnson, Director at Halo Financial

Our Latest Awards:

Why partner with Halo Financial?

Our foreign exchange expertise and professional friendly service gives operational and financial benefits to both the referring partner and client alike.

Currency risks are never far away for the international business. A direct alternative to the banks, Halo Financial provides currency risk assessment strategies and best exchange rates to improve your clients’ profit margins.

We understand that foreign currency exchange can be daunting, so we’ll explain the process in plain jargonfree English. Whether your client is transferring funds for the first time or they are a seasoned expert they will be in good hands.

More control, less business lost

A friendlier, more proactive service Halo Financial offer the following improvements that make us “better than the bank” – tell your clients!

Halo Financial works with people around the world who routinely refer their clients, business associates, friends and family, (and anyone else they know) who needs to move their money overseas reliably and efficiently at the very best exchange rate.

• We don’t charge commission on currency transactions • Our transfer times are typically faster than the bank • Because we’re specialists, we’re able to offer more favourable exchange rates

We’re faster and more responsive to changes in exchange rates than the bank. Our dedicated currency experts constantly watch the market and give proactive advice, giving you and your client more control over budgets and payments.

• We can fix an exchange rate for up to two years in advance to give your clients stability

Satisfied clients, Successful outcomes

• Our employees are qualified foreign exchange analysts

We’re confident your clients will receive a much better exchange rate than they’re used to getting.

Our commitment to customer service and providing our customers with timely access to detailed data to help them make the right decisions is central to that. Your customers will save money, their transactions will be processed more quickly, and their dealings with your company are much more likely to have a successful outcome.

• We offer sales and referral initiatives

Telephone: +44 (0)20 7350 5473

Email: partners@halofinancial.com

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A friendly slick operation that does what I want with the minimum of fuss.

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review

• We monitor currencies round the clock • We are better informed, so your clients are too

Web: www.halofinancial.com

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A dedicated FX consultant for every client

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We find Halo Financial to stand out in the manner that their service has always been clearly focused on their detailed analysis of the market. They have then taken each individual’s needs into account providing solid advice and solutions based on these requirements. We continue to endorse their service as most of the clients that we have passed on over the years have come back to thank us for the recommendation.

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Overseas Removals Affilate Partner

All your clients are assigned a dedicated FX consultant who’ll evaluate their needs and help draw up a plan of action. Their consultant will be proactive, monitoring currency movements on their behalf, and will be on hand to offer help and guidance at all times.

If your client is used to the indifferent service offered by most banks, Halo Financial will be a breath of fresh air.

They’ll thank you for putting them in touch with a company that has their best interests at heart. Our FX consultants save our clients money, time and stress. We’re very proud of that fact.

Support for your business What you get when you partner with us We believe in supporting our clients.

So naturally we believe in supporting our partners, too. We’ll assign you a dedicated account manager who understands the needs of your industry sector to provide you with advice and assistance at all times, helping you to get the most out of our affiliate scheme.

Monthly account statements and commission payments You’ll receive commission on every transfer your clients make. We’ll pay you monthly, without you having to invoice us.

Marketing support and online tools To help boost your sales, customer service and referral commission, we can supply a range of fully tracked online tools for your website that will help improve your SEO ranking and visitor time spent on your site. As well as provide a range of printed materials to explain foreign exchange to your clients: • Currency Converter and exchange rate feeds for your website • Banners and links, keyword rich written currency content and charts for your website • Desktop currency widget delivering regular exchange rate and currency news updates • Industry specific promotional and marketing material • Training to enable your staff to talk knowledgeably about our products • Exhibition, seminar and presentation support • Joint marketing initiatives

• Regular confirmation of your clients’ transfers

• Email marketing campaigns, either as a solus email or a banner and article featured on one of our e-newsletters

• Monthly performance and commission reports

• Guest blog post linking back to your website

You’ll be kept informed with:

We’re not just looking for salespeople.

We’re looking for real partners, firms who care about their clients and want to offer them the best possible service. You and your client will benefit directly from dealing with Halo Financial. We want your business. That’s why we’re 100% dedicated to keeping both you and your client satisfied.

• Social media posts and ventures

Telephone: +44 (0)20 7350 5473

Email: partners@halofinancial.com

Web: www.halofinancial.com

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How can I save my clients money?

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I would like to congratulate you on your sales approach.

You have taken the time to regularly follow this up, without becoming intrusive.

Few people have the tenacity and diligence to carry this out - well done.

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Corporate Customer

The chances are that if your client hasn’t looked around yet, then they maybe already losing money. Volatile exchange rates are placing more pressure than ever before on international businesses and hurting profit margins.

In these times of economic uncertainty, there’s a pressing need for expert foreign exchange advice to help your clients minimise costs and prevent fluctuations from affecting their profit margins. It’s time for them to look beyond their bank and call a specialist. We can help.

We deliver: • Market leading exchange rates • Personal, proactive service from a dedicated FX Dealer • Round the clock monitoring of exchange rates • Expert analysis of developing trends and market sentiment • Protection against exchange rate volatility • Transparency and accountability • Security and satisfaction The most successful businesses know how to manage their money.

But not everyone can be a currency conversion expert. Without a dedicated specialist on board, there’s simply too much information to process. That’s where we can help. We can provide a regular currency audit to help keep their business healthy. We can help your clients stay ahead of the competition by reviewing their currency performance, FREE of charge.

A few small changes to their business plan could end up saving them a lot of money.

Telephone: +44 (0)20 7350 5473

Through the FREE Currency Audit that we will provide, your clients will be able to: •B enchmark the exchange rates they receive •R eview their risk management strategy

to them, giving them the ability to make well-informed decisions.

They can also receive our currency research publications and updates.

Develop a foreign exchange hedging strategy

To help your clients manage their currency risks, we develop a bespoke five point plan to help them:

We don’t have a ‘standard’ approach. The client’s dedicated FX Consultant will provide them with an individual FX strategy that achieves their objectives while providing an appropriate level of certainty, thus minimising risk. Their currency exposure, timeframe, appetite for risk, personal view of the market and cashflow situation will be taken into account. The proposed solution may involve a combination of spot, forward and automated orders for total flexibility.

Understand their currency risk exposure

Streamline your international payments

Their dedicated currency expert will identify their exposure to foreign exchange rate risk, enabling us to minimise their currency risks and maximise their profits. Halo Financial will also identify what currency pairs they are exposed to, how much they transact, what timeframes they work to, what impact, favourable or unfavourable, a movement in the rate will have on their profitability.

We will send their payment value today, tomorrow or standard spot as required.

•A ssess whether they trade at the most appropriate time •E xamine whether their cash flow can be improved •C heck their settlement procedures • F ind effective solutions to fix complex problems

Implement the plan They can regain control of their foreign exchange exposure. Our plan will enable them to act quickly and decisively. We will help them perfect and where possible enhance their market exposure straight away.

Present the currency solutions We can explain all the risks, opportunities and options available

Email: partners@halofinancial.com

Web: www.halofinancial.com

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What should I tell my clients?

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Very good service, excellent account management!

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Affiliate Partner

Tell your clients they’re in the right place.

Tell them they’re in safe hands.

Tell them they’ll benefit from:

•C alling your account manager on +44 (0)20 7350 5473

• Enhanced protection from currency risk

•E mailing your account manager •D irectly through your website or CRM system

• A dedicated FX consultant • Better customer service

•A dding our fully tracked web tools to your website

• Better exchange rates • Immediate cost savings

How do I refer to you?

We’re always pleased to hear from you, no matter how you get in touch.

You can refer clients by: • Completing our ‘refer a client’ web page: www.halofinancial.com/partneringwith-us

Foreign exchange services timed to perfection Timing is the key to successful currency transactions. Currencies are inherently volatile and fluctuate constantly, but using the wealth of information at their disposal, our FX consultants can help your clients choose the best time to trade and protect them from risk, even fixing exchange rates in advance.

Best of all, we’ll provide your client with essential market information to help them make informed choices, every time.

Not only will we provide your clients with regular updates and briefings via email, we’ll even give them access to real-time data using our custom currency widget, enabling them to be even better informed, day in, day out.

Your client journey

Your Action Client Referral You refer a client to Halo

Our Action Introduction We call the client the same day.

Explain features, advantages and benefits.

Send out an information pack.

Telephone: +44 (0)20 7350 5473

Account Opening We open an account over the phone or give opportunity to do so online or by post.

Client ID is electronically verified.

Trading We phone client to update.

Quote offered.

If agreed, contract is sent immediately by email.

Client Action

Our Action

Our Action

Trade Settlement

Beneficiary Payment

Commission

Client settles the trade in full and provides banking details.

Once the client’s full payment is cleared, we immediately send the bought currency to chosen beneficiary.

You receive a monthly commission statement by email and payment directly into your designated account.

Email: partners@halofinancial.com

Web: www.halofinancial.com

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When we fix an exchange rate in advance, your clients will always know how much they’ll receive and what they’ll need to pay for up to 2 years at a time.

Opening hours (UK time) Monday — Thursday

8.30am — 8.00pm

Friday

8.30am — 5.30pm

A low cost, high convenience solution

All our currency dealers are experts in their field. They have many years experience, industry acknowledged technical analysis accreditations, and leading edge technology at their disposal. Our experts regularly give advice on CNBC and Bloomberg.

They’ll explain currency transactions to your clients in a way that’s simple, friendly and easy to understand.

How much do fluctuating exchange rates affect my clients’ money transfers?

Example 1 UK importer of sports goods from Europe receives an invoice for €250,000 on 1st August 2013. The invoice is due for payment on 60 day terms. If the importer bought all the euros on 1st August, the exchange rate would have been €1.14 to the Pound. That equates to a Sterling cost of £219,298. 60 days later, as at 1st October, the settlement date for the invoice, the exchange rate reached a high of €1.20; a 5.2% saving. The importer could have saved nearly £11,000 on the contract through little more than good timing and access to currency market expertise.

Example 2 On 1st August 2013, a UK based exporter invoiced a US customer for $200,000. They are due to receive the funds in 90 days. The exporter called his Halo Financial Consultant and discussed the likely direction of the Sterling – US Dollar exchange rate. As the trend was moving the exchange rate in the wrong direction for the exporter’s needs, the decision was reached to sell the US Dollars on a forward contract at $1.52 to the Pound. As at 1st November, when Telephone: +44 (0)20 7350 5473

the payment was received from the customer, the prevailing exchange rate was $1.60. Through good risk management and a fairly simple hedging tactic, the exporter saved £6,578 on the contract.

Example 3 A company in the UK has borrowed £3 million in a loan from a Japanese parent company. The exchange rate for the loan is set at Y120 to the Pound in January 2012. The loan is to be repaid in three £1 million tranches on the anniversary of the loan date.

The subsidiary company has three main options. (A) Do nothing and hope the exchange rate doesn’t worsen over the three year period.

(B) Purchase the whole of the requirement on forward contracts to guarantee the exchange rate and ensure the loan value doesn’t increase no matter what happens to the Sterling – Yen exchange rate.

(C) Manage the risk of deterioration in the exchange rate through stop loss orders and take advantage of advantageous moves through forward contracts as and when those opportunities present themselves.

As at January 2013, the GBP-JPY exchange rate was Y140 to the Pound and as at November 2013, the rate had climbed to Y160. Delaying the purchase of the 1st tranche could have equated to £142,000 of savings on £1 million worth. If the other £2 million was covered at Y160, the total saving on the loan would have been £642,000.

Email: partners@halofinancial.com

Call our expert consultants for more details – 020 7350 5473 or visit www.halofinancial.com/partneringwith-us/

“

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.

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Financial Director Media Publisher

Web: www.halofinancial.com

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Private Client Services

“

I find them very helpful and efficient. They make my monthly transactions easy and worry free.

I can't thank them enough.

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Regular Transfers Private Customer

If you have friends or family who need to move money overseas then we would love to hear from you. We’re confident we’ll be able to reduce their currency risk and save them significant amounts of money. We will also pay you a commission when the trade occurs.

When a person emigrates or buys an overseas property for instance, their whole life is up in the air. The last thing they want is to find out their money is worth less than they expected when they arrive or when they come to purchase. We offer much needed stability to individuals, as well as providing long term planning solutions that help mitigate the effects of volatile currency fluctuations.

Our services

How do I get started?

Our money transfer services are used for:

You will need to agree to become an Introducing Broker by signing a simple document that your Affiliate Consultant will send you.

Once completed we will send you commission for the referrals you send us. Please contact our Affiliate team on +44 (0)20 7350 5473 or request a call back and we’ll contact you.

While currency exchange rates may not be top of their agenda right now.

We can help lighten the load for your friends. An early discussion with one of our currency consultants will show them why they need to plan their international money transfer in advance. We’ll also show them how to manage it. Once we’ve figured out a schedule, we can tailor our communication around their needs, helping them to pick the best time to transfer their currency, whether they’ve just submitted their visa application or they’re almost ready to go.

• Pensions – we can help your friends transfer their pension across so that they can be paid in their new country of residence

Additional revenue stream While your friend benefits from our services, we’ll make sure you benefit from referring them. You’ll receive commission when your friend makes a currency transfer with Halo Financial.

Telephone: +44 (0)20 7350 5473

• Overseas Property – large amounts transferred securely and quickly • Regular Currency Transfers – for example if they have property back home that they are renting and they need the money sent to them abroad we can provide a fixed and secure rate

• Sending Money Home – We can help send their money home for mortgage payments, student loans or anything similar • General Money Transfers – Ad hoc amounts can be changed any time and normally will be in their account within 1 working day

“

I just wanted to let you know that it has always been a pleasure knowing you guys are there and making the transfer process so quick and simple and professional with great rates. I really do feel that you have our interests at heart and as always its great to do business with you.

Thanks again.

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Overseas Property Buyer Private Client Customer

Partner with us today We operate a proven and successful affiliate model that’s run at no cost to you. In fact, you can even integrate our services into your business. Refer your clients to Halo Financial and spare them from the clutches of the banks—they’ll thank you for it and we’ll pay you for it!

Email: partners@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 5473 Fax +44 (0)20 7350 5475 Email Web

partners@halofinancial.com www.halofinancial.com/partnering-with-us

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.