Disclaimer: XE Money Transfer is provided by HiFX Limited. 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 QFE Disclosure Statement and Product Disclosure Statement available at www.hifx.co.nz, or our Financial Services Guide and Product Disclosure Statement available at 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). *Credit facilities subject to approval.