WORKING TOGETHER TO EXPAND YOUR GLOBAL REACH

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1 WORKING TOGETHER TO EXPAND YOUR GLOBAL REACH moving money for better INTERNATIONAL PAYMENTS FOREIGN EXCHANGE

2 GLOBALIZATION HAS CHANGED THE FACE OF BUSINESS

3 Western Union pioneered the idea of moving money around the world and has been connecting people globally for more than a century. As one of the world s leading providers of cross-border business payments, Western Union Business Solutions transforms how companies expand globally through one of the largest and most diverse payment networks in the world. Our powerful online platforms help manage international payments and cash flow on a global scale. Our skilled financial specialists provide the market insight and risk management solutions your business needs to protect profits. With a strong history of innovation and a commitment to compliance, we give our clients an advantage so they can focus on expanding business globally. The fast track to international growth is through connected ecommerce. As your global business partner, we can help you get there.

4 Backed by a brand with experience and expertise WESTERN UNION, A LEADER IN GLOBAL PAYMENT SERVICES Fortune 500 company $150+ Billion moved in principal 165 years in business 31 transactions on average per second^ 200 countries and territories* $5.5 Billion revenue^ 500,000 WU Agent locations $1.1 Billion operating income^ * Describes Western Union global presence inclusive of Agent locations. Services to business customers not available in all countries. Denotes Agent relationships and locally licensed affiliates. Consumer and business clients in ^ Denotes numbers reported in the 2015 Western Union Annual report.

5 WESTERN UNION BUSINESS SOLUTIONS, A VALUABLE BUSINESS PARTNER 130+ international currencies 71 countries direct clearing network Bank payout in 170 countries & territories Rigorous compliance and monitoring procedures 65 global banking partners 100,000 business clients 500 bank accounts globally 508 million business payments Denotes payments in 2015.

6 We ease the complexity of international trade Western Union Business Solutions works with companies of all shapes and sizes, from SMEs to large corporates. We also provide tailored services for NGOs, Legal Firms, Financial and Education Institutions. Our intuitive online tools, including the innovative and powerful WU EDGE platform, are designed to help solve your international transaction challenges: Visibility into cash flow Protection from currency risk Optimal exchange rates, low fees Connect buyers and sellers online With 2,400 dedicated compliance professionals monitoring our processes, Western Union is a trusted partner for your international payment needs.

7 HOW WE WORK WITH OUR CLIENTS AROUND THE WORLD SMALL BUSINESS CORPORATE FINANCIAL INSTITUTIONS LEGAL EDUCATIONAL INSTITUTIONS NGO Connect with partners Real time, fee free^ Visibility into exposures INTERNATIONAL PAYMENTS Incoming Outgoing Mass Payments RISK MANAGEMENT Hedge specialists Improve cash flow Help protect profits BANK ACCOUNT CASH* CARD* MOBILE* 130 CURRENCIES BANK PAYOUT IN 170 COUNTRIES AND TERRITORIES GLOBAL PAYMENT NETWORK ^ Transaction fee-free Edge Network Payment services are available between fully accredited WUBS customers that have registered to use the WU EDGE platform and are authorised by a WUBS affiliate to access services in USA, Canada, United Kingdom, France, Italy, Austria, Germany, Poland, Czech Republic, Singapore, Hong Kong, Australia and New Zealand. WUBS will apply a foreign currency exchange rate, which includes a margin set by WUBS, whenever a transaction includes a currency conversion. Transaction fees may also apply to transactions other than EDGE Network Payment services. * Not available in all regions.

8 A banking network so global, it s local Western Union Business Solutions works around the clock, in all time zones to help organizations send and receive payments across an extensive global footprint. TRADE IN 130+ INTERNATIONAL CURRENCIES BANK PAYOUT IN 170 COUNTRIES AND TERRITORIES 65 GLOBAL BANKING PARTNERS 500 GLOBAL BANK ACCOUNTS PAYMENT TYPES: GLOBAL REACH AND CURRENCIES 35 COUNTRIES 68 COUNTRIES 25 COUNTRIES 47 COUNTRIES 15 COUNTRIES Low Value Domestic Domestic RTGS Offshore RTGS Domestic Incoming Offshore Incoming CURRENCIES 9 CURRENCIES 31 CURRENCIES 25 CURRENCIES 22 CURRENCIES 15

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10 Connect to grow with the WU EDGE platform The WU EDGE platform is an integrated, digital tool that creates seamless financial connectivity between buyers and sellers from order to global rapid payment, expert insight and FX management. EASILY CONNECT WITH PARTNERS Interact and communicate with international business connections, and view workflows from procurement to payment. REAL-TIME GLOBAL PAYMENTS Help save time and money and accelerate cash flow with feefree transactions in 51 different currencies.* GLOBAL TRADE INTELLIGENCE Empower yourself to make smart business decisions with clear insight into your international sales, purchasing, payment and receivables data. CASH AND FX RISK MANAGEMENT Expert support with powerful cash management tools to help manage risk and protect profit. WU EDGE creates the seamless financial connectivity to support international growth and more profitable trade. * Transaction fee-free Edge Network Payment services are available between fully accredited WUBS customers that have registered to use the WU EDGE platform and are authorised by a WUBS affiliate to access services in USA, Canada, United Kingdom, France, Italy, Austria, Germany, Poland, Czech Republic, Singapore, Hong Kong, Australia and New Zealand. WUBS will apply a foreign currency exchange rate, which includes a margin set by WUBS, whenever a transaction includes a currency conversion. Transaction fees may also apply to transactions other than EDGE Network Payment services.

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12 Transform your international payments Take the complexity out of international trade with our online, global business payments network. OUTGOING PAYMENTS Transact easily in over 130 currencies and multiple payment types Real-time exchange rates show the true cost of your international payments Use Market Orders to target your preferred exchange rate Safety features that help prevent errors INCOMING PAYMENTS Accept more than 40 currencies Convenient payment options including bank transfer, debit or credit card Easily reconcile every line item of a payment Hold funds for up to 90 days without managing multiple currency accounts

13 INTERNATIONAL MASS PAYMENTS Send large volume payments in multiple currencies Make mass payments of up to 10,000 line items for total efficiency RESTful API integrates into any platform that generates payment instructions Real time payment reports ONLINE PAYMENTS Convenient 24/7 online platform Get a quote in advance Store payee data and generate automated reports Make payments from your mobile device

14 Protect your profits from currency fluctuation Don t operate at the mercy of the currency market. Work with risk management specialists to find the right combination of hedging products to help you protect your profits. HOLDING BALANCES Help manage currency exposures by holding 40 different currencies for up to 90 days without the need for foreign bank accounts. CURRENCY OPTIONS * Manage your business against negative currency movements, while maintaining the flexibility to benefit from positive market shifts. An upfront premium may be required. FORWARD CONTRACTS Lock in the current exchange rate for a specified amount of currency, for a set period of time (up to 12 months). **^ MARKET ORDERS We ll watch the markets on your behalf, even while you re sleeping, to help you secure your target exchange rate. * Western Union Business Solutions is an issuer of foreign exchange solutions and would be a counterparty to any transaction you enter into with us. Eligibility requirements may apply. ** Trading lines are subject to financial accreditation. ^ An upfront security pre-payment may be required.

15 Let s build a partnership As your dedicated partner, we will work closely with you to find the right solution to help your business thrive on an international scale. More than 100,000 businesses trust us to provide a unique set of capabilities designed to help their business succeed in today s competitive climate. Whether you need foreign exchange, risk management, cash management services or a global payment gateway we have the solutions.

16 Give your business a competitive edge Phone: business.westernunion.com 2016 Western Union Holdings Inc. All rights reserved. Western Union Business Solutions is a division of The Western Union Company. Services in the US are provided by Custom House USA, LLC (NMLS ID: ) and Western Union Business Solutions (USA), LLC (NMLS ID: ) (collectively referred to as WUBS or Western Union Business Solutions ). For a complete listing of US state licensing, visit For additional information about Custom House USA, LLC and Western Union Business Solutions USA, LLC visit This brochure does not create any binding obligation on any party, nor does this brochure constitute an offer or a solicitation of an order. Any such offer or solicitation will only be made, and the relationship between you and WUBS shall be governed by the applicable terms and conditions and any transaction-specific documentation entered into between you and WUBS. No representations, warranties or conditions of any kind, express or implied, are made herein. WUBS is the issuer of the products discussed herein and would be a counterparty to any transaction you undertake with WUBS. This brochure is not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject WUBS or its affiliates to any registration or licensing requirement within such jurisdiction. WUBS is not registered with the Commodity Futures Trading Commission as a Commodity Trading Advisor, as a Swap Dealer, or in any other capacity. WUBS is not a member of the National Futures Association. Protections that would otherwise be available under the Commodity Exchange Act, the rules of the Commodity Futures Trading Commission, or the rules of the National Futures Association will not be available to you in connection with your relationship with or transactions with WUBS. Customers may be required to meet certain eligibility requirements in order to enter into foreign exchange transactions with WUBS. Claims regarding the products discussed and other information set out herein are general in nature and do not take into account your specific objectives, financial situation, or needs. This brochure does not constitute financial advice or a financial recommendation. You should use your independent judgment and consult with your own independent advisors in evaluating whether to enter into a transaction with WUBS. WUBS bases recommendations only on general industry knowledge and the client profile you have provided, and WUBS is not undertaking to assess the suitability of any recommendation for your particular hedging needs. WUBS has based the opinions expressed herein on information generally available to the public. WUBS makes no warranty concerning the accuracy of this information and specifically disclaims any liability whatsoever for any loss arising from hedging decisions based on the opinions expressed and information contained herein. Such information and opinions are for general information only and are not intended to present advice with respect to matters reviewed and commented upon. CA