HiFX international paymentsand foreign exchange riskmanagement solutions

HiFX | NASDAQ: EFFT

A Euronet Worldwide Company

Multi million dollar technology investment for the ultimate in service reliability HiFX systems work to a 99.999% uptime standard like the worlds banks and are independently tested. We have almost unlimited transaction capability and can handle 250 x our current daily averages.

Ultimate reliability

HiFX - a brand you can trustHiFX is one of the largest foreign exchange and international payment specialists in the world. With o�ices in New Zealand, Australia, the UK, Europe and the US, we manage over $20 billion on behalf of over 100,000 clients worldwide every year.

Founded in 1998, our technology and systems are designed to deliver a cost e�icient, 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.

Euronet’s industryaccolades includeRanking for two consecutive years on Forbes magazine’s list of 25 Fastest-Growing Technology Companies.

Ranking for two consecutive years on Fortune magazine’s list of 100 Fastest-Growing Companies.

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 capitalisation of over US$3 billion and annual revenues in excess of US$1.65 billion. The company o�ers 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

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

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 so�ware vendors

Processes over 1.1 billion transactions annually

Euronet Worldwide Inc. extensive partner network

Through Euronet, HiFX has connections to many of the world’s leading banks, card organisations and mobile operators.

In fact, Euronet is trusted by over 220 financial institutions, 200 mobile and 510,000 retailers and agents around the globe.

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HiFX Corporate Foreign Exchange Solutions

HiFX o�ers 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 e�ective 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.

800 24/7

Highly competitive FX rates in over 800

currency pairs

Secure online platform

available 24/7

No hidden fees & free foreign

currency accounts

Tailored currency advice & FX risk

management solutions

Highly experienced dealers & back o�ice support

Bank level security & strict regulatory

framework

Spot & Forward Exchange

Contracts, Market Orders & Currency

Options

Informative daily & weekly market

updates & technical analysis

International Payment Process

To convert funds from one currency to another.

Example: NZD or AUD to USD

paying a supplier bank account in order to settle an invoice or property purchase.

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 o�line.

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 the U.S.

The client sends NZD/AUD 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 USD 50,000 to a supplier in U.S.

Our clients can be individuals or corporates.

Clients can transact spot or forward contracts and can place market orders.

Pre spot: funds will be delivered same day or the next business day;

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.

Type of client:

Client need:

HiFX Private Client ServicesWhether you’re buying or selling property overseas, moving abroad or simply making international payments, fluctuating exchange rates can make a huge di�erence to the amount you finally receive in your bank account.

The HiFX online service makes it simple to move money, pay people or settle bills quickly and easily at discounted live exchange rates. Supported by Norton Security, our secure and easy to use online platform ensures you and your money are fully protected and gives you the ability to manage your account and track payments 24 hours a day.

Unlike your bank, we spend the time and e�ort to understand your needs and are more e�ective at communicating relevant market moves and making you aware of economic factors which are likely to impact the exchange rate. With each member of the team servicing fewer clients than a bank, we provide a level of proactivity and personal service that established banks find di�icult to match.

Benefits include:Highly competitive live exchange rates saving you money on each and every transaction

The ability to move money, pay people or bills in seconds

Faster transfers ensuring your money arrives on time, every time, when you need it

No hidden charges and zero to low fees on transactions

Online account management and the ability to track payments 24 hours a day, 365 days a year

Automatic notifications via email keep customers up to date with their transfers every step of the way. We even let the recipient know when the funds are on there way so you don’t have to

Advanced anti-fraud safeguards make HiFX a safer, faster way to make international money transfers

Norton security used by 97 or the world’s top 100 banks giving you complete peace of mind

Top class security protects your money at all times

HiFX considers client protection to be of paramount importance and a�ords its clients more protection by o�ering 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.

Security of funds

We’ll keep you up to date with your transaction every step of the way via SMS and email. Ask us and we’ll even inform your recipients when the funds are on their way.

Automated electronic verification and advanced anti-fraud safeguards make HiFX a safer, faster process, giving you peace of mind when making international money transfers.

Advanced anti-fraud safeguards

Payment tracking

HiFX has independently verified online security with the highest level of Norton certification and our security policy complies with PCI DSS standards, the global standard for the payment industry.

Rigorously tested technology and bank class security

Partnerships and a�iliates

Considering how important your clients are to your business, it’s essential you choose the right international payments partner.

We’re proud that hundreds of businesses including banks, financial advisors, relocation agents and immigration specialists who want their clients to enjoy highly competetive exchange rates, low fees and a friendly, easy to use service, recommend HiFX.

Our partners trust our values and we value our partners trust

5/5 star ‘excellent’ rating from thousands of independently

verified clients reviews

HiFX has a partnership with Heartland Bank, providing corporate FX dealing solutions to their customers.

HiFX’s ultimate parent company partners with Walmart, allowing their customers to transfer money to and from over 5,000 Walmart stores and growing.

Banco Popular is Spain’s third largest bank and has been referring private clients to HiFX since 2010.

Santa Fe Wridgways is Australia’s most trusted removal company and refers their clients to HiFX for their global currency requirements.

RegulationHiFX Limited holds a Derivatives Issuer Licence issued by the Financial Markets Authority (FMA) and is a Qualifying Financial Entity (QFE). HiFX also holds a Australian Financial Services Licence ‘AFSL’ issued by the Australian Securities and Investments Commission ‘ASIC’ (AFSL No. 240914).

HiFX Limited complies with the Anti-Money Laundering and Countering Financing of Terrorism Act 2009, and is a 5 star rated member of the New Zealand Financial Markets Association (NZFMA) as a financial intermediary.

A team you can trustHiFX has o�ices in both the Northern and Southern hemispheres and a workforce of over 200 employees across all main functions of the business including a team of expert FX dealers, sales consultants, settlements sta�, compliance, so�ware developers and senior management.

Testimonials“Buckley Systems has enjoyed a strong relationship with HiFX for more than 12 years and look forward to many more years of association. I’m always confident we are being o�ered competitive rates for all trades. HiFX provides us with a daily market commentary, prompt settlements and accurate daily/monthly transaction reports. ”

Julie Perry - CFOBUCKLEY SYSTEMS LTD

“HiFX have been providing regular contact and advice to SEW Eurodrive NZ Ltd since 2003 about upcoming events and have made the e�ort to understand our business. Being proactive has ensured that our margins have been maintained and I would have no hesitation in recommending their services to prospective clients and look forward to a continuing business relationship. ”

Elwyn Rogers- Financial ControllerSEW EURODRIVE

“The level of service and proactive advice that we have received from HiFX has been far superior to that which we had become accustomed from our bank. ”

Phillip McKay- CFOASIA PACIFIC AEROSPACE

“The level of service and proactive advice that we receive from HiFX remains superior to that which we have been previously accustomed. The benefits of this have resulted in a greater understanding of the products available in the market and, as a result, less overall risk for our organisation. We now have a greater understanding of our foreign exchange exposure and have been able to achieve a visible improvement in the Group’s profitability.

David Lindsay - CFOJADE SOFTWARE

HiFX Limited

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

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).