currency services eXpertly done

INTERNATIONAL PAYMENTS AND FOREIGN

EXCHANGE RISK MANAGEMENT SOLUTIONSNASDAQ: EEFT

HiFX - a brand you can trustHiFX is one of the largest foreign exchange and international payment specialists in the world. With offices in Australasia, Europe and the UK, we manage over $30 billion on behalf of over 100,000 clients worldwide every year.

Founded in 1998, our technology and systems are designed to deliver a cost efficient, customer centric international payments platform, that is continuously evolving. Surpassing the processing times of other providers, we are able to deliver our clients operational excellence, paired with unparalleled proactive advice and tailored risk management solutions.

As part of leading global payments provider Euronet Worldwide Inc, HiFX is uniquely positioned as a world leader in international payments and foreign exchange risk management services.

HiFX’s parent company Euronet Worldwide Inc.We’re proud to be part of Euronet Worldwide Inc, a leading global provider of secure, electronic payment solutions, servicing customers across more than 155 countries.

Founded in 1994, Euronet Worldwide Inc. is listed on the NASDAQ (EEFT) with a current market cap of over US$ 2.5 billion and annual revenues in excess of US$1.65 billion. The company offers payment and transaction processing solutions to financial institutions, corporate clients and individual consumers around the world.

Processes more than US$60 billion worth of transactions annually

Over 4,300 employees worldwide

2.3 billion unique transaction every year

World’s third largest money transfer provider

Approximately $9 billion in money transfers processed annually

Money transfer networks in 135 countries

World’s largest prepaid product distributor

Retail network spans 35 countries, with approximately 665,000 points of sale and partnerships with leading global software vendors

Processes over 1.1 billion transactions annually

currency services eXpertly done

One of the world’s largest non-bank international payments providers

Servicing over 100,000 corporate and private clients worldwide

Partnerships with banks, global corporations and government institutions

HiFX offers international payments and foreign exchange risk management solutions to a large customer base – ranging from small family owned businesses to large multinational corporations.

Through building relationships and getting to know your business, we can apply our extensive market knowledge to help you manage the specific risks you face and tailor effective strategies to minimise the impact of market volatility. Our state of the art systems and secure online platform provide you with the tools to manage your foreign exchange requirements with ease and reduce the costs of doing business internationally.

Regardless of the size of the transaction or the number of payments you make, HiFX can help you achieve consistently competitive exchange rates, expertly manage your foreign exchange risk and streamline your international payments and transfers.

HiFX Corporate Foreign Exchange Solutions

24

7

$

Highly experienced dedicated dealers and

back office support

Bank level security and strict regulatory

framework

Informative daily and weekly market updates and technical analysis

Spot and Forward Exchange Contracts, Market Orders

and Currency Options

Secure online platform available 24/7

No hidden fees and free foreign currency accounts

Tailored currency advice and FX risk management

solutions

Highly competitive FX rates in over 800 currency

pairs

International Payment Process

Client need:

To convert funds from one currency to another.

Example: NZ$ to US$ or AU$ to US$.

For example: paying a supplier bank account in order to settle an invoice or property purchase

Our clients can be individuals or corporates

Clients can transact spots or forwards and can place market orders:

pre spot: funds will be delivered today or tomorrow

spot: funds will be delivered in the next 2 days

forwards: funds will be delivered on a set date in the future (up to 3 years) but the rate is fixed now

market orders: commitment to transact only occurs if a currency rate reaches a certain level

The client logs into HiFX.co.nz/HiFX.com.au or calls their dedicated dealer with transaction details.

The client accepts the quote either online or offline.

The client receives an email confirming the transaction details and providing the settlement information.

The client enters (or sends by email) the bank account details of the beneficiary in China.

The client sends NZ$/AU$ to HiFX’s local client security trust bank account.

HiFX undertakes settlement to the USD beneficiary using one of HiFX’s banking partners.

For example:

A client wants to pay to a supplier in USUS$50,000

Type of client

Some of the clients we work with:

HiFX has strong relationships with some of the most recognised brands in the world as well as small boutique providers and independent advisors. From a simple referral model to more integrated white label solutions, a partnership with HiFX can add significant value to our partners and their clients.

Partnerships and affiliates

HiFX New Zealand has a partnership with Heartland

Bank, providing corporate FX dealing solutions to their

customers.

Banco Popular is Spain’s third largest bank and

has been referring private clients to HiFX Europe’s since 2010.

Santa Fe Wridgways is Australia’s most trusted removal company and refers their clients to

HiFX Australia for their global currency requirements.

HiFX’s parent company partners with Walmart,

allowing their customers to transfer money to and from over 4,000 Walmart stores.

Compliance & Regulation

HiFX Limited holds an Australian Financial Services Licences (AFSL) in both New Zealand (AFSL No. 240914) and Australia (AFSL No. 240917) and is regulated by the Australian Securities and Investments Commission in Australia. HiFX Limited is regulated by the Financial Markets Authority in New Zealand.

HiFX considers client protection to be of paramount importance and affords its clients more protection by creating a first ranking security and trust arrangement over our client security trust accounts. This unique security arrangement, means that your funds are ring-fenced and protected at all times.

Disclaimer: Unless otherwise expressly indicated, to the extent that any information contained in this communication may be construed as advice, HiFX Ltd has not considered your objectives, financial situation and needs and you should, before acting on the advice, consider its appropriateness to your circumstances. You should obtain and read our Financial Services Guide and Product Disclosure Statement, available at www.hifx.co.nz or www.hifx.com.au , before making any decision regarding HiFX Ltd's products or of its associated companies. Unless expressly indicated to the contrary, the contents of this communication and any accompanying material are not intended to be a solicitation of funds, or a recommendation to trade a financial product. To the extent permissible at law, HiFX Ltd expressly disclaims all, or any liability and responsibility to any person in respect to anything (and the consequences of anything) done or omitted to be done by any person in relation to the whole or part of the material contained in this communication.

HiFX Ltd ABN 54 106 779 953/ AFSL No 240914 | HiFX Australia Pty Ltd ABN 78 105 106 045/ AFSL No 240917’ is regulated by the Australian Securities and Investments Commission (ASIC).

HiFX Limited

Phone: +64 (0)9 306 3706

Toll free: 0800 394 439

Email: info@hifx.co.nz

www.hifx.co.nz

HiFX Australia Pty Limited

Toll free: 1800 006 592

Email: info@hifx.com.au

www.hifx.com.au