ELECTRONIC CHANNEL FOR FINANCIAL INCLUSION

Gabriel Sorbo Regional Vice President Southern Europe

Rome, 2nd December 2015 About us

Company profile ò A leading provider in worldwide payment services ò Fast, convenient and reliable money transfer ò 500.000 locations in 200 countries and territories ò Higly regulated and AML compliant ò Listed on New York Stock Exchange (NYSE: WU) ò Fortune 500 and S&P 500 Company

Results FY 2014 ò B $5.6 revenue ò B $85 principal moved ò 30 txns/second average

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. A global network: Retail and

Current Global Network ò 500,000 agent locations ò Close to 2,000 Partners ò Partnering with 100 Post Organizations ò 200 countries and territories ò Over 16,000 corridors

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. Partnership with banks: C2C and ABMT

Cash to cash: 4,000 bank branches of different banks, such as Bper, , Banca Popolare di Sondrio ABMT: 15,000 ATMs of and and through online banking with Intesa Sanpaolo, Unicredit, Banca di and Compass.

Proposing Money Transfer through Electronic Channels could enhance Financial Inclusion of Migrants Increasing spread of bankarization of new inhabitants Allowing new customer to access a wide range of financial services such as Bank Accounts, Prepaid Cards, Card Accounts, etc. Expanding their possibility to access to credit Electronic Transactions from Banks accounts are enabled in since 2011, in Romania since 2012 4 Agents in Italy and 2 Agents in Romania offering ABMT

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. ABMT at sending side

2) Open a Bank Send Account and Activate Western Union Service Transactions

3) Start performing Electronic Money Transfer From Bank Account Via 1) Visit a Bank Partner or a Financial Institution Partner

€

Online ATM Mobile Banking

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. An example, Western Union Sending Service through Intesa Sanpaolo online banking

https://www.youtube.com/watch?v=taXv_kSALMA

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. ABMT at receiving side

2) Visit a partner of Receive 1) Receive the Western MTCN Union (transaction Transactions 3) Receive Money code) through Electronic Channels using your MTCN ATM €

Mobile

Bank Account

Mastercard

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. An example, Western Union Receiving Service through Mastercard and Banca Transilvania

https://youtu.be/lVVnrsv0zmY

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. Thank you, Grazie!

Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved.