WORKING TOGETHER TO EXPAND YOUR GLOBAL REACH

moving money for better

INTERNATIONAL PAYMENTS | FOREIGN EXCHANGE

GLOBALISATION HAS CHANGED THE FACE OF BUSINESS

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.

$150+ Billion moved in principal‡

31 transactions on average per second

^

$5.5 Billion revenue

^

$1.1 Billion operating income

^

Backed by a brand with experience and expertise

Fortune 500 company

165 years in business

200 countries and territories*

500,000 WU® Agent locations

†

130+ international currencies

Bank payout in 170 countries & territories

65 global banking partners

500 bank accounts globally

§ Denotes payments in 2015.

* 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 2015.^ Denotes numbers reported in the 2015 Western Union Annual report.

71 countries direct clearing network

Rigorous compliance and monitoring procedures

100,000 business clients

508 million business payments§

WESTERN UNION BUSINESS SOLUTIONS, A VALUABLE BUSINESS PARTNERWESTERN UNION , A LEADER IN GLOBAL PAYMENT SERVICES

BANK ACCOUNT

CASH*

CARD*

MOBILE*

130 CURRENCIES

BANK PAYOUT IN 170 COUNTRIES

AND TERRITORIES

SMALL BUSINESS

CORPORATE FINANCIAL INSTITUTIONS

LEGAL EDUCATIONAL INSTITUTIONS

NGO

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 authorized 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 WU®EDGE platform. In the event that a transaction that is initiated through the WU®EDGE platform involves a currency conversion 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.

* Not available in all regions.

HOW WE WORK WITH OUR CLIENTS AROUND THE WORLDWe 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 Business Solutions is a trusted partner for your international

business needs.

INTERNATIONAL PAYMENTS

RISK MANAGEMENT

Connect with partners

Real time, fee free^

Visibility into exposures

Incoming

Outgoing

Mass Payments

Hedge specialists

Improve cash flow

Help protect profits

A banking network so global, it’s local

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

Low Value Domestic Domestic RTGS Offshore RTGS Domestic Incoming Offshore Incoming

35 COUNTRIES

68 COUNTRIES

25 COUNTRIES

47 COUNTRIES

15 COUNTRIES

CURRENCIES

9 CURRENCIES

31 CURRENCIES

25 CURRENCIES

22 CURRENCIES

15

Western Union Business Solutions works around the clock, in all time zones to help

organisations send and receive payments across an extensive global footprint.

Connect to grow with WU® EDGE

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.

* 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 authorized 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 WU®EDGE platform. In the event that a transaction that is initiated through the WU®EDGE platform involves a currency conversion 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.

WU® EDGE creates the seamless financial connectivity to support international

growth and more profitable trade.

EASILY CONNECT WITH PARTNERSInteract and communicate with international business connections, and view workflows from procurement to payment.

REAL-TIME GLOBAL PAYMENTSSave time and money, and help accelerate cash flow with fee-free transactions in 51 different currencies*.

GLOBAL TRADE INTELLIGENCEEmpower yourself to make smart business decisions with clear insight into your international sales, purchasing, payment and receivables data.

CASH AND FX RISK MANAGEMENTExpert support with powerful cash management tools to help reduce risk and protect profit.

Transform your international payments

* Subject to eligibility and acceptance by Western Union Business Solutions.

Take the complexity out of international trade with our online, global business

payments network.

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

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

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.

Protect your profits from currency fluctuation

* Trading lines are subject to financial accreditation.^ An upfront security pre-payment may be required.

HOLDING BALANCESHelp reduce currency exposures by holding 40 different currencies for up to 90 days without the need for foreign bank accounts.

FORWARD CONTRACTSLock in the current exchange rate for a specified amount of currency, for a set period of time (up to 12 months).*^

CURRENCY OPTIONSInsure your business against negative currency movements, while maintaining the flexibility to benefit from positive market shifts. An upfront premium may be required.

MARKET ORDERS We’ll watch the markets on your behalf, even while you’re sleeping, to help you secure your target exchange rate.

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.

© 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: 906985) and Western Union Business Solutions (USA), LLC (NMLS ID: 907333) (collectively referred to as “WUBS” or “Western Union Business Solutions”). For a complete listing of US state licensing, visit http://business.westernunion.com/about/notices/. For additional information about Custom House USA, LLC and Western Union Business Solutions USA, LLC visit http://business.westernunion.com/About/Compliance-Legal.

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-160404

Give your business a competitive edge

Phone: 1.770.401.5055chris.hopkins@westernunion.com

business.westernunion.com