GIVING YOUR BUSINESS AN EDGE

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1 GIVING YOUR BUSINESS AN EDGE Expand your business with new connections and informed cash flow decisions moving money for better WU EDGE PLATFORM

2 The challenge of a growing global marketplace In an increasingly globalised economy more and more businesses find themselves in a stagnant international payment cycle. LIMITED INSIGHT INTO TRANSACTION FEES and exchange rates RESOURCES ARE DRAINED by invoice tracking and reporting LIMITED UNDERSTANDING of currency risk management INVOICES COST MORE than forecast DIFFICULT TO MANAGE cash flow and budgets 90% OF SMES are negatively affected when the cost of payables run higher than planned Source: East and Partners Study

3 Transform insight into action with the WU EDGE platform FREE TECHNOLOGY, AND FEE-FREE GLOBAL PAYMENTS* Expand your business globally while helping reduce the expense, time, and resources it takes to manage international transactions. You can access the WU EDGE platform at no cost. It facilitates fee-free, real-time transactions in 51 currencies*, and allows you to leverage our global bank network to make payments in over 130 currencies. Conduct quick and easy analysis of your transactions, and budgeted rates to help maximize your cash flow and increase efficiency. CONNECT TO GROW WU EDGE connects buyers and sellers across a global B2B network. Find and create new relationships, make the right connections to grow your business globally, and benefit from real time transactions between your WU EDGE contacts.

4 Connect, grow and empower on the WU EDGE platform FIND NEW BUSINESS PARTNERS and be FOUND SAVE TIME AND MONEY on global transactions FEE-FREE REAL TIME PAYMENTS in 51 currencies* with your partners on the WU EDGE Network CONNECT GROW CONTROL FX COSTS and help protect profits EMPOWER HOLD AND MANAGE CASH BALANCES across multiple currencies BUSINESS INTELLIGENCE that helps you make powerful business decisions SIMPLIFY ACCOUNTS PAYABLES by capturing, submitting and tracking invoices with partners in-platform

5 AN SME LOSES AN EMPLOYEE FOR FULL DAY 1EVERY WEEK managing international payments instead of other important business activities Source: East and Partners Study

6 Maximize cash flow, reduce expense and improve efficiency Use the WU EDGE platform to take control of cash flow and help protect your profits. FEE-FREE PAYMENTS IN REAL TIME Invite your global partners to join WU EDGE at no cost. Benefit from fee free real-time payments in 51 currencies to 13 countries. Outside of WU EDGE, you can leverage our bank network to send payments in over 130 currencies to 170+ countries. CONNECT WITH PARTNERS AND SIMPLIFY ACCOUNTS PAYABLES Connect with current trading partners, and find new ones on the WU EDGE network. Easily capture, submit, track and pay invoices with your partners in-platform, to avoid spreadsheets and overload. Your cash flow dashboard is automatically updated with this data so you can quickly forecast budgets and assess risk. POWERFUL CURRENCY RISK INSIGHT Consult with our FX and Hedging specialists for help understanding currency risk. Use our hedging products to help protect your bottom line from currency fluctuations, and easily track their performance within the WU EDGE platform.

7 CASH FLOW VISIBILITY Maximize your cash flow by simulating currency risks with the Volatility Slider tool, and transacting at known, exchange rates. See the cost of your invoices in local currency and know up front how much you ll pay. TURN INSIGHTS INTO POWERFUL BUSINESS DECISIONS Use the Forecasting Tool and customizable reporting to know your cash flow inside-out, and identify trends. Easily review transaction history and the impact of currency fluctuation to conduct what if analysis of your budgets. WU EDGE WILL ALSO HELP YOU: Track all foreign currency holding balances and activity statements at a glance Hold and manage funds across multiple currencies with holding balances Gain complete visibility of payment status and full reconciliation details

8 Find out how to revolutionize your business with WU EDGE business.westernunion.com.hk/wuedge Tel: Western Union Holdings Inc. All rights reserved. All material presented herein, unless specifically indicated otherwise, is under copyright to Western Union Holdings, Inc. Western Union Business Solutions is a division of The Western Union Company. Services in Hong Kong are provided by Western Union Business Solutions (Hong Kong) Limited company number and CE number BGY438 ( WUBS ). WUBS is a licensed money service operator under the Anti-Money Laundering and Counter-Terrorist Financing (Financial Institutions) Ordinance (Chapter 615, the Laws of Hong Kong). WUBS is also licensed by the Securities and Futures Commission in Hong Kong to conduct Type 3 (leveraged foreign exchange trading) regulated activity. This communication has been prepared solely for informational purposes and does not in any way create any binding obligations on either party. Relations between you and WUBS shall be governed by the applicable terms and conditions. No representations, warranties or conditions of any kind, express or implied, are made in this communication. This communication 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 and/or its affiliates to any registration or licensing requirement within such jurisdiction. Risk Disclosure Statements 1. The risk of loss in leveraged foreign exchange trading can be substantial. You may sustain losses in excess of your initial margin funds. Placing contingent orders, such as stop loss or stop limit orders will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. You may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You will remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in light of your own financial position and investment objectives. 2. Client assets received or held by WUBS International (as sub-contractor to WUBS) are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap. 571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong. * 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 WUBS services in USA, Canada, United Kingdom, France, Italy, Austria, Germany, Poland, Czech Republic, Singapore, Hong Kong, Australia, New Zealand or in other WUBS operating countries where customers have been specifically granted access to such service. WUBS does not charge a license fees to access or use the EDGE platform. In the event that a transaction that is initiated through the EDGE platform involves a currency conversion however a WUBS affiliate will apply a foreign currency exchange rate, which includes a margin set by WUBS. Transaction fees may also apply to transactions other than Edge Network Payment services that are initiated through the EDGE platform. CM

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