Kingdom. The brand mode, which provides the convenience of Mission has grown at an sending money using credit / debit cards or a To stay ahead of the times in providing customer outstanding pace since local bank account to anywhere in the world. friendly, value-added services with warmth; fulfill its launch in 1999 www.money2anywhere.com the aspirations of the employees; create sustained with a wide network Smart Pay aims to improve the salary disbursal growth in revenue and profitability; serve the of agent locations system adopted by registered companies in the society and flourish in an environment of mutual spread across the UAE and complies with the directive of the UAE trust and transparency. world, strong growth Ministry of Labour through the Central Bank UAE Exchange has established a brand, strategies and an of UAE. Through organised salary payments it which benefits people from all communities and expanding customer empowers the average salary earner, who benefits cultures of the world; a brand that can always base. As of today the from consistent, timely, secure and convenient be trusted to take care of their entire money Xpress Money agent salary pick-up through the wide network of transfer and money exchange needs in the most network spans more UAE Exchange branches. The inbuilt features of efficient and affordable manner, wherever they than 70,000 locations Smart Pay benefit both the employer and the are on the face of the earth. A brand which MARKET to complete an isolated transaction or avail a spread across over employees of various organisations. The launch of has stood by its value ideals since inception and UAE Exchange is a global leader in remittance particular service. 95 countries and its the MasterCard gained trust and loyalty from the market with its and foreign exchange with three decades of Quality-driven approach has been the agent partnership enabled payroll ‘customer first’ approach. outstanding growth history. The brand is based benchmark of UAE Exchange operations, which includes many prestigious banking cards offer added In many ways UAE Exchange is a reflection in Abu Dhabi, UAE, and owns won various global business and non-banking entities. The value to the of the communities it serves, maintaining its a strong network spreading 22 excellence and quality brand reputation it enjoys in the employees and reputation as the financial brand with the strongest countries across five continents awards. Achievements include global market is derived from the takes convenience market relations with the community and the with more than 500 direct winning of the Sheikh Khalifa unparalleled customer service and to the next level. media fraternity. Product offerings are diverse and offices. It provides a wide Excellence Award, UAE unmatched product satisfaction that www.smartpay.ae progressive, commitment to quality service is strong range of products and services, Emiratisation Award from the it offers. Other and sincere and its earnest work ethics deliver positively influencing the lives HRD committee for Banking Unique features have taken developments success that is sustainable. Both as a company of millions of people through and Financial Sector and the Xpress Money ahead of its competition, which include tie-ups with Sharjah Electricity and Water and as individuals UAE Exchange and its team reliable and comprehensive DHDA Award for 2008 for includes its niche positioning as the ‘affordable Authority (SEWA), Cleartrip Ticketing Services, members understand the role of the corporation remittance solutions. Everyday outstanding contributions instant money transfer brand’ giving value-for- RAK Airways and Al Diyafah High School for bill in strengthening its communities and recognise that more than 7,000 UAE Exchange to the development of UAE money service including transaction confirmation payments to enhance the customers’ convenience. collective success is intertwined. The brand has personnel across the globe, Nationals. through SMS messaging to the sender upon always striven to give back to the community by representing over 40 nationalities, This ISO 9001:2008 payment collection by the beneficiary, which PROMOTION being a responsible corporate citizen. strive to ensure customer delight. certified company also won UAE Exchange leads the UAE market with helps avoid costly follow-ups; strategic positioning UAE Exchange has evolved a great deal over the UAE Exchange has recently achieved the UAE Exchange serves various the prestigious Dubai Quality its network of over 90 branches and product of pay-in and pay-out locations covering major past three decades. Although the geography and Environmental Management System standard - ISO communities and cultures across Award 2009; the Mohammed offerings, positioning itself far ahead of its residential and commercial hubs and agent- the variety of customers it serves have grown, 14001: 2004, which recognises it as an organisation the globe and is the most reliable money transfer bin Rashid Al Maktoum Business Award based nearest competition. Its customer base includes centric payouts, which restricts the pay-out to the approach is consistent. Market relations committed to serve society and protect the link connecting customers to their loved ones, no on Business High Performance model; CSW Star all classes of people and companies from across within the network of a particular beneficiary are strong, kept alive and spirited through environment. The organisation’s commitment to matter in which part of the world they are. Its Award; the Dubai Service Excellence Scheme’s the socio-economic spectrum, engaged in a wide agent thereby ensuring revenue for him. The campaigns and promotions aimed at bettering the the cause of environment effected the renewal of incessant efforts to deliver the best to customers Best Performing Outlet Award; the Emirates range of economic activities. state-of-the-art technology, which it employs relationship it has with customers. Several popular its EEG membership for 2011 too. have earned UAE Exchange the acclaim of the Nationals Development Programme and STP consistently, improves its product quality, the and wide-ranging promotions are run every The management of UAE Exchange operates World’s Trusted Money Transferrer. Awards from Deutsche Bank among many others. PRODUCT benefits of which are passed on to its customers. year, covering all communities, with the spirit of with the highest level of integrity in the UAE Exchange is a prominent member of In addition they won the Banker Middle East UAE Exchange is a people’s brand. The vision www.xpressmoney.com participating in their social and cultural pursuits. governance of the institution. It continues to the NMC Group, one of the leading business Product Award under Best Exchange Service Category. set by its founder leaders - H E Abdulla Humaid Among the popular promotions of work closely with industry regulators to achieve, conglomerates of the region with multifarious Ali Al Mazroei and Dr. B. R. Shetty - guides RECENT DEVELOPMENTS UAE Exchange are the Bak Maha Wasana and ultimately surpass, the increasingly stringent activities spread across the world. HISTORY UAE Exchange in its pursuit of excellence in all UAE Exchange has successfully entered many Promotion for the Sri Lankan community, which compliance standards required in the current NMC Group’s interests range from Financial The remittance industry has witnessed areas of operation. The brand has strengthened new international markets, during recent commemorates the Sinhalese New Year; Bijoy regulatory environment. Significant progress has Services to trading in pharmaceuticals, FMCG increasingly robust activity around the world over the decades through strategic building years which today spreads from N. America Utsav promotion for the Bangladeshi community; been made to strength the compliance policies, brands, Scientific Laboratory, Education, Medical over the years with more and more people measures, which assure customers that its services to the Pacific, improved its existing regional Onam promotion - ‘Onasowbhagyam’ which procedures and operations infrastructure. Supplies, Foodstuff, Retail Pharmacies, Gold and transcending the geo-political boundaries in are efficient and available whenever needed. operations and expanded its product offerings has helped chart strong relations with Kerala Diamond Jewellery, Advertising, Hospitality, Real search of career and commerce. UAE Exchange offers a range of products to address the demands of these new markets. expatriates in the GCC; the ‘Money Majlis’ www.uaeexchange.com Estate, Information Technology, Engineering etc. Over a period of three decades UAE Exchange which address the growing financial needs of its UAE Exchange continues to deliver more on promotion, which involves all the communities has transformed itself into a total solutions customers and the characteristics of the market. the value proposition that customers demand served by UAE Exchange services; and ACHIEVEMENTS provider for the entire remittance needs of the This includes Remittance, Foreign Exchange, Utility thus improving revenue growth. Significant ‘Jashan-e-Bahara’ promotion for the Pakistani Things you didn’t know about UAE Exchange has achieved great heights in all the Bill Payment, Wealth Management, Travel and Tours developments in the product segment were the community, which coincides with the festive UAE Exchange three areas which remain its core focus - People, and a comprehensive range of other services. extension of Money2Anywhere, a web-based season in Pakistan. All of these promotions involve Products and Processes - known as the 3Ps. Product and service delivery are ensured money transfer service to Hong Kong, Qatar, fabulous prizes and rewards including cash prizes, UAE Exchange is the first exchange house in the UAE UAE Exchange has helped its customers through stringent quality-control and US and UAE markets in addition to its strong gold vouchers, cars, villa apartments and more. to have the prestigious SWIFT membership - the international banking standard. benefit from its quality services, which in turn has improvement measures. Seamless integration presence in UK, Canada, Kuwait, Bahrain and helped spawn the kind of brand loyalty that has of operations through the application of quality Australian markets; the launch of Smart Pay’s BRAND VALUES First exchange house in UAE to have branches in all the transformed it into one of the most successful systems like 5S and Six Sigma bring absolute MasterCard enabled electronic payroll cards The UAE Exchange work philosophy is bounded seven Emirates. brands in the Middle East. For customers control to end-to-end processes. Various from Smart Pay, an industry-leading WPS- by its vision and mission principles, which Strong relationship with over 150 Correspondent Banks. UAE Exchange is the place to turn to for pro-active processes such as SMS intimation, compliant payroll solution of UAE Exchange are consistently reflected in multiple financial solutions and not just as a place dynamic customer enquiry systems, touch points, for the UAE market; and the launch of every activity undertaken. Over 7000 personnel, representing more than 40 nationalities, employed worldwide. customer suggestions programme, in-house FLASH, a real-time account This firm adherence to reliable technological initiatives and the trained credit product, the principles has ensured One of the widest branch networks in the UAE with population in all its markets and the growing multi-cultural service staff members make which reduces a wide base of satisfied seven days a week, round-the-year operations. number of customers speaks for the increasing customer’s every visit to any UAE Exchange lead time by taking customers. One of the widest ranges of products and services in acceptability of the brand, globally. The primary branch, a memorable experience. on conventional Vision the industry. driver of the success of UAE Exchange has XPRESS MONEY methods of To be an ever-dependable More than 500 direct offices worldwide. been the combination of diversified products Xpress Money is a leading global, instant money remittance. friend, the link that and services, strategic revenue resources, transfer brand, popular among customers Money2Anywhere emotionally connects people Network spanning 22 countries across five continents. expanding customer base, aggressive marketing who insist on speed and reliability of money is gaining popularity across the globe through Xpress Money, a leading global instant money activities, strong partner relationships, expanding transfers along with convenience of pay-out. in the marketplace as technology-driven, professional, transfer brand offered by UAE Exchange, covers global network and consistent improvement of Xpress Money Services Ltd. is an associate of a reliable and secure dedicated and timely services over 95 countries through more than 70,000 operational processes. UAE Exchange and is registered in the United online remittance delivered with a personal touch. agent locations.

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UAE Exchange.indd 2 16/05/2011 10:41 UAE Exchange.indd 3 16/05/2011 10:41 Kingdom. The brand mode, which provides the convenience of Mission has grown at an sending money using credit / debit cards or a To stay ahead of the times in providing customer outstanding pace since local bank account to anywhere in the world. friendly, value-added services with warmth; fulfill its launch in 1999 www.money2anywhere.com the aspirations of the employees; create sustained with a wide network Smart Pay aims to improve the salary disbursal growth in revenue and profitability; serve the of agent locations system adopted by registered companies in the society and flourish in an environment of mutual spread across the UAE and complies with the directive of the UAE trust and transparency. world, strong growth Ministry of Labour through the Central Bank UAE Exchange has established a brand, strategies and an of UAE. Through organised salary payments it which benefits people from all communities and expanding customer empowers the average salary earner, who benefits cultures of the world; a brand that can always base. As of today the from consistent, timely, secure and convenient be trusted to take care of their entire money Xpress Money agent salary pick-up through the wide network of transfer and money exchange needs in the most network spans more UAE Exchange branches. The inbuilt features of efficient and affordable manner, wherever they than 70,000 locations Smart Pay benefit both the employer and the are on the face of the earth. A brand which MARKET to complete an isolated transaction or avail a spread across over employees of various organisations. The launch of has stood by its value ideals since inception and UAE Exchange is a global leader in remittance particular service. 95 countries and its the MasterCard gained trust and loyalty from the market with its and foreign exchange with three decades of Quality-driven approach has been the agent partnership enabled payroll ‘customer first’ approach. outstanding growth history. The brand is based benchmark of UAE Exchange operations, which includes many prestigious banking cards offer added In many ways UAE Exchange is a reflection in Abu Dhabi, UAE, and owns won various global business and non-banking entities. The value to the of the communities it serves, maintaining its a strong network spreading 22 excellence and quality brand reputation it enjoys in the employees and reputation as the financial brand with the strongest countries across five continents awards. Achievements include global market is derived from the takes convenience market relations with the community and the with more than 500 direct winning of the Sheikh Khalifa unparalleled customer service and to the next level. media fraternity. Product offerings are diverse and offices. It provides a wide Excellence Award, UAE unmatched product satisfaction that www.smartpay.ae progressive, commitment to quality service is strong range of products and services, Emiratisation Award from the it offers. Other and sincere and its earnest work ethics deliver positively influencing the lives HRD committee for Banking Unique features have taken developments success that is sustainable. Both as a company of millions of people through and Financial Sector and the Xpress Money ahead of its competition, which include tie-ups with Sharjah Electricity and Water and as individuals UAE Exchange and its team reliable and comprehensive DHDA Award for 2008 for includes its niche positioning as the ‘affordable Authority (SEWA), Cleartrip Ticketing Services, members understand the role of the corporation remittance solutions. Everyday outstanding contributions instant money transfer brand’ giving value-for- RAK Airways and Al Diyafah High School for bill in strengthening its communities and recognise that more than 7,000 UAE Exchange to the development of UAE money service including transaction confirmation payments to enhance the customers’ convenience. collective success is intertwined. The brand has personnel across the globe, Nationals. through SMS messaging to the sender upon always striven to give back to the community by representing over 40 nationalities, This ISO 9001:2008 payment collection by the beneficiary, which PROMOTION being a responsible corporate citizen. strive to ensure customer delight. certified company also won UAE Exchange leads the UAE market with helps avoid costly follow-ups; strategic positioning UAE Exchange has evolved a great deal over the UAE Exchange has recently achieved the UAE Exchange serves various the prestigious Dubai Quality its network of over 90 branches and product of pay-in and pay-out locations covering major past three decades. Although the geography and Environmental Management System standard - ISO communities and cultures across Award 2009; the Mohammed offerings, positioning itself far ahead of its residential and commercial hubs and agent- the variety of customers it serves have grown, 14001: 2004, which recognises it as an organisation the globe and is the most reliable money transfer bin Rashid Al Maktoum Business Award based nearest competition. Its customer base includes centric payouts, which restricts the pay-out to the approach is consistent. Market relations committed to serve society and protect the link connecting customers to their loved ones, no on Business High Performance model; CSW Star all classes of people and companies from across within the network of a particular beneficiary are strong, kept alive and spirited through environment. The organisation’s commitment to matter in which part of the world they are. Its Award; the Dubai Service Excellence Scheme’s the socio-economic spectrum, engaged in a wide agent thereby ensuring revenue for him. The campaigns and promotions aimed at bettering the the cause of environment effected the renewal of incessant efforts to deliver the best to customers Best Performing Outlet Award; the Emirates range of economic activities. state-of-the-art technology, which it employs relationship it has with customers. Several popular its EEG membership for 2011 too. have earned UAE Exchange the acclaim of the Nationals Development Programme and STP consistently, improves its product quality, the and wide-ranging promotions are run every The management of UAE Exchange operates World’s Trusted Money Transferrer. Awards from Deutsche Bank among many others. PRODUCT benefits of which are passed on to its customers. year, covering all communities, with the spirit of with the highest level of integrity in the UAE Exchange is a prominent member of In addition they won the Banker Middle East UAE Exchange is a people’s brand. The vision www.xpressmoney.com participating in their social and cultural pursuits. governance of the institution. It continues to the NMC Group, one of the leading business Product Award under Best Exchange Service Category. set by its founder leaders - H E Abdulla Humaid Among the popular promotions of work closely with industry regulators to achieve, conglomerates of the region with multifarious Ali Al Mazroei and Dr. B. R. Shetty - guides RECENT DEVELOPMENTS UAE Exchange are the Bak Maha Wasana and ultimately surpass, the increasingly stringent activities spread across the world. HISTORY UAE Exchange in its pursuit of excellence in all UAE Exchange has successfully entered many Promotion for the Sri Lankan community, which compliance standards required in the current NMC Group’s interests range from Financial The remittance industry has witnessed areas of operation. The brand has strengthened new international markets, during recent commemorates the Sinhalese New Year; Bijoy regulatory environment. Significant progress has Services to trading in pharmaceuticals, FMCG increasingly robust activity around the world over the decades through strategic building years which today spreads from N. America Utsav promotion for the Bangladeshi community; been made to strength the compliance policies, brands, Scientific Laboratory, Education, Medical over the years with more and more people measures, which assure customers that its services to the Pacific, improved its existing regional Onam promotion - ‘Onasowbhagyam’ which procedures and operations infrastructure. Supplies, Foodstuff, Retail Pharmacies, Gold and transcending the geo-political boundaries in are efficient and available whenever needed. operations and expanded its product offerings has helped chart strong relations with Kerala Diamond Jewellery, Advertising, Hospitality, Real search of career and commerce. UAE Exchange offers a range of products to address the demands of these new markets. expatriates in the GCC; the ‘Money Majlis’ www.uaeexchange.com Estate, Information Technology, Engineering etc. Over a period of three decades UAE Exchange which address the growing financial needs of its UAE Exchange continues to deliver more on promotion, which involves all the communities has transformed itself into a total solutions customers and the characteristics of the market. the value proposition that customers demand served by UAE Exchange services; and ACHIEVEMENTS provider for the entire remittance needs of the This includes Remittance, Foreign Exchange, Utility thus improving revenue growth. Significant ‘Jashan-e-Bahara’ promotion for the Pakistani Things you didn’t know about UAE Exchange has achieved great heights in all the Bill Payment, Wealth Management, Travel and Tours developments in the product segment were the community, which coincides with the festive UAE Exchange three areas which remain its core focus - People, and a comprehensive range of other services. extension of Money2Anywhere, a web-based season in Pakistan. All of these promotions involve Products and Processes - known as the 3Ps. Product and service delivery are ensured money transfer service to Hong Kong, Qatar, fabulous prizes and rewards including cash prizes, UAE Exchange is the first exchange house in the UAE UAE Exchange has helped its customers through stringent quality-control and US and UAE markets in addition to its strong gold vouchers, cars, villa apartments and more. to have the prestigious SWIFT membership - the international banking standard. benefit from its quality services, which in turn has improvement measures. Seamless integration presence in UK, Canada, Kuwait, Bahrain and helped spawn the kind of brand loyalty that has of operations through the application of quality Australian markets; the launch of Smart Pay’s BRAND VALUES First exchange house in UAE to have branches in all the transformed it into one of the most successful systems like 5S and Six Sigma bring absolute MasterCard enabled electronic payroll cards The UAE Exchange work philosophy is bounded seven Emirates. brands in the Middle East. For customers control to end-to-end processes. Various from Smart Pay, an industry-leading WPS- by its vision and mission principles, which Strong relationship with over 150 Correspondent Banks. UAE Exchange is the place to turn to for pro-active processes such as SMS intimation, compliant payroll solution of UAE Exchange are consistently reflected in multiple financial solutions and not just as a place dynamic customer enquiry systems, touch points, for the UAE market; and the launch of every activity undertaken. Over 7000 personnel, representing more than 40 nationalities, employed worldwide. customer suggestions programme, in-house FLASH, a real-time account This firm adherence to reliable technological initiatives and the trained credit product, the principles has ensured One of the widest branch networks in the UAE with population in all its markets and the growing multi-cultural service staff members make which reduces a wide base of satisfied seven days a week, round-the-year operations. number of customers speaks for the increasing customer’s every visit to any UAE Exchange lead time by taking customers. One of the widest ranges of products and services in acceptability of the brand, globally. The primary branch, a memorable experience. on conventional Vision the industry. driver of the success of UAE Exchange has XPRESS MONEY methods of To be an ever-dependable More than 500 direct offices worldwide. been the combination of diversified products Xpress Money is a leading global, instant money remittance. friend, the link that and services, strategic revenue resources, transfer brand, popular among customers Money2Anywhere emotionally connects people Network spanning 22 countries across five continents. expanding customer base, aggressive marketing who insist on speed and reliability of money is gaining popularity across the globe through Xpress Money, a leading global instant money activities, strong partner relationships, expanding transfers along with convenience of pay-out. in the marketplace as technology-driven, professional, transfer brand offered by UAE Exchange, covers global network and consistent improvement of Xpress Money Services Ltd. is an associate of a reliable and secure dedicated and timely services over 95 countries through more than 70,000 operational processes. UAE Exchange and is registered in the United online remittance delivered with a personal touch. agent locations.

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UAE Exchange.indd 2 16/05/2011 10:41 UAE Exchange.indd 3 16/05/2011 10:41