and services along with strategic revenue resources, innovative marketing initiatives, strong partner alliances, and rapid expansion are the factors attributing to the success of UAE Exchange. While leading the global market, UAE Exchange also covers UAE with a network of over 139 branches.

PRODUCT UAE Exchange provides a wide range of services including: Xpress Money - launched in 1999, has now become the most sought after money transfer service across the globe, with a presence in 150 countries and a network of 170,000 agents. Prestigious banks and non-banking institutions tied up with Xpress Money in order to ensure safe transfer of your hard earned money to your loved ones back home. Customers, who insist on speed and reliability of money transfers, along with convenience of easy collection, insist on Xpress Money. Many value laden features have taken Xpress Money ahead of its competitors. Its niche positioning as the ‘most dependable instant money transfer brand’; value-for-money service, including transaction confirmation through SMS to sender MARKET CSR Label, ’s Most Promising Brand Award, upon payment collection by the beneficiary, help in UAE Exchange has become a household name Customer Experience Benchmarking Index Awards, avoiding costly follow-ups. The strategic positioning for money transfer, foreign exchange and payment Service Olympian People’s Choice Award, PayExpo of pay-in and pay-out locations and agent-centric solutions services, and is the first name that comes 2013 Award for gocash card, Top 3 – 2012 Award payouts, ensures revenue for the agent. For more to mind for customers when they think of money for the top performers in Brand category of details, log on to www.xpressmoney.com transfer. This leading global remittance and foreign Hamriyah Free Zone Branch, Banker money2anywhere.com - an online remittance exchange brand has a rich history of over three Product Award, Best Partner by Emirates National experience with a combination of competitive decades. Established in 1980, with a single branch Development Programme, UAE Emiratisation exchange rates, quick processing of the request and in , UAE Exchange now has presence in Award, Deutsche Bank STP Excellence Award, friendly customer service. This web-based money 32 countries in five continents, with over 750 direct Customer Service Week Star Award for 2010, transfer service, which helps its customers to send offices. Everyday, more than 9,000 employees, 2011 and 2012. ISO 9001, 14001 and ISO money to any corner of the world from their representing over 40 nationalities across the globe, 27001 certifications. Voted Superbrands from 2009 computers, is currently available in eight countries. strive towards one single aim – customer service to 2015 consecutively and Bizz Award for being the Customers can send their money anywhere using and delight! most inspirational organisation. UAE Exchange was their Bank accounts, credit / debit cards through UAE Exchange serves a wide range of also accredited with TISSE 2012 (The International this fast and secure online remittance portal. For communities and cultures, worldwide. The Standard for Service Excellence) certification. more details, log on to www.money2anywhere.com remittance major offers a wide range of services SMARTPAY - a leading payroll solution which is which includes Remittance, Foreign Exchange, HISTORY in compliance with Wage Protection System, an Payroll Management, Bill Payments, Wealth UAE Exchange came into existence in a period initiative by UAE Ministry of Labour and UAE Management, Travel and Tours and more. Various when people were not acquainted with the term Central Bank to streamline salary disbursals, across pro-active processes like SMS intimation, dynamic Money Transfer. From a single branch, in 1980, the UAE. SMARTPAY opened up a channel of customer inquiry system, touch points, self to over 750 direct offices today the brand had convenience for salary earners, who can get their operated kiosks, customer suggestions programme, to work hard to earn the trust of customers, salaries on time from any of UAE Exchange’s in-house reliable technological initiatives and with their hard-earned money to be sent to branches. Salary payments are also done at the the trained multi-cultural service staff members, their families. Today, UAE Exchange has evolved workers’ accommodation across the UAE by Smart make customers’ every visit, to any of the into a complete solutions provider for the entire Pay on-site disbursal teams. Through organised widely-networked branches of UAE Exchange, a remittance and foreign exchange services, globally. salary payments it empowers the average salary memorable experience. A combination of diversified portfolio of products earner, who benefits from consistent, timely, secure and convenient salary pick-up. The launch ACHIEVEMENTS of MasterCard-enabled payroll cards offers added The customer has always been the nucleus of value to employees and takes convenience to the every activity that UAE Exchange has entered and next level. Employees can easily draw their salaries it is this fervour which has brought the organisation from any MasterCard-enabled ATMs, across the many awards and accolades including the Dubai world, or from any UAE Exchange Cash Dispensing Quality Award, Sheikh Khalifa Excellence Award, Machines in the UAE. For more details, log on to Sheikh Mohammed bin Rashid Al Maktoum www.smartpaysolutions.com Business Award, Dubai Human Development FLASHremit - a service that enables real-time Appreciation Programme, Dubai Chamber remittance to bank accounts. You can now

106 transfer money instantly and get customers, UAE Exchange has introduced a real them an opportunity to experience another level the confirmation through SMS within seconds of time customer feedback touch point called ‘Xpulse’. of customer service altogether. UAE Exchange account credit. This service is currently available is a reflection of the communities it serves, in , Nepal, Philippines, Malaysia, and PROMOTION maintaining its reputation as the financial brand Indonesia. More banks from many countries are Promotions are a way of life at UAE Exchange with the strongest market relations with the showing interest in the service. helping create deeper, stronger and meaningful community and the media fraternity. UAE Exchange XPAY - a product that changes the way payment bonds with their customers and the communities clearly understands the role of the corporate in and settlements work in India. India has the second they serve. strengthening communities, and recognise that largest mobile phone user base in the world. XPAY Among the popular promotions are the Money collective success is intertwined. The brand has is a novel payment service system that enables Majlis, which involves customers of UAE Exchange always striven to give back to the community by you to make transactions effortlessly. It allows you from various communities, Onasowbhagyam being a responsible corporate citizen through to shop, pay utility bills, restaurants bills and more promotion, which helps chart strong relations regular CSR initiatives. through your mobile. with the Keralite community from India; Jashan- gocashtravel card - This smart multicurrency e-Bahara promotion for the Pakistani community, www.uaeexchange.com prepaid travel card can load up to six currencies which coincides with the festive season of Pakistan; and has about fifteen currencies to choose from. Bijoy Utsav and Shopno Choa promotion for the This was designed for the new age traveller who Bangladeshi community; Ahlan Saif for the Arab doesn’t want to go through the hassles of currency community and Bak Maha Wasana promotion for Things you didn’t know about exchange while travelling. UAE Exchange has tied the Sri Lankan community, which commemorates UAE Exchange up with MasterCard which means the card can be the Sinhalese New Year. All of these promotions used across the globe. This is currently available involve fabulous prizes and rewards including cash l Largest retail remittance network in the world. for residents in the UAE and can be used by prizes, gold vouchers, cars, villas, apartments and Handles 6.1% of the total volume of global customers travelling abroad for work, holiday or more. UAE Exchange conducts many interesting remittances. further education. online promotions and contests, through its strong l Over 750 direct offices in 32 countries. online social network. Every promotion is well- l Over 9,000 personnel, representing more than thought-out to bring maximum value to each 40 nationalities, employed worldwide. target group. l First remittance brand in the UAE to have branches in all the seven emirates. BRAND VALUES l One of the widest branch networks in the UAE The UAE Exchange work philosophy is strongly with over 139 branches, with seven days a week, bound by its core values and principles, which is round-the-year operations. manifested in every initiative undertaken. l First remittance brand in the UAE to have Vision branches in sixteen stations of Dubai Metro To be the most admired global brand in money network. transfer, foreign exchange and payment solutions. l Xpress Money has over 170,000 agent locations RECENT DEVELOPMENTS Core Values across 150 countries. UAE Exchange strives to reach out to more Integrity, Commitment, Empowerment and Care. l Strong correspondent banking relationship with customers and deliver more value and be a UAE Exchange has laid strong emphasis on close to 150 leading global banks. neighbourhood brand. They began operations in integrity in to the work culture thereby building l UAE Exchange is the first remittance brand in the Japan in 2014 further expanding their horizons. lasting trust in customers’ minds. It continues to UAE to have the prestigious SWIFT membership. UAE Exchange launched its very own exclusive work closely with industry regulators to achieve, l UAE Exchange is the first and the only mobile and USSD applications that enables and ultimately surpass, the increasingly stringent remittance brand in the UAE to have a MasterCard customers to retrieve information on the latest compliance standards required in the current Principal Membership. exchange rates, offers and updates from their regulatory environment. Significant progress has l UAE Exchange is the first remittance brand in region, right on their phones. They expanded been made to strengthen compliance policies, the UAE to tie up with Visa for Visa Money Transfer FLASHremit, which is currently available for procedures and operations infrastructure. initiative. expatriate customers from seven countries UAE Exchange has instilled a profound sense l UAE Exchange mobile app enables customers to including , India, Indonesia, Malaysia, of passion to serve customers with warmth, retrieve information on latest exchange rates, offers Nepal, Philippines and Sri Lanka. money2anywhere. undertake activities which are committed to the and updates in their respective region. com, UAE Exchange’s online money transfer portal welfare of the society and foster business relations l Mybranch, a self operated kiosk, allows you to is available in seventeen new states in the USA. which are committed to the benefit of partners send money, pay your credit card bills and loan UAE Exchange has also launched an online portal and associates. instalments independently, thus saving time and for Smart Pay which enables clients to upload funds Technological advancements like MyBranch or energy. and salary information files, and track the salary products like SMARTPAY and gocash are classic l First exchange house in the middle east to have disbursal status, right from their desks. examples of how customers’ money transfers and been TISSE (The International Standard for Service To bridge the gap between the company and other financial needs have been addressed giving Excellence) 2012 certified.