1

DAVID THOMPSONEVP, Chief Technology Officer Global Operations and Technology (GO-Tech)

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Cross Border Platform

2

Behind the ScenesWU Transaction Process

Explore

Comply

Fund

Decide

10

11

Report

Pay

Support

Notify

Settle12

1

2

39

8 4

576

• Cross-Currency Settlement in 200

Countries and Territories & 130+ Currencies

• 4,000 – 5,000 CSRs• 30+ Languages

• SMS / Text• E-mail• Phone Calls

• CASH: 500K Agents in 200 Countries and Territories• BANK ACCOUNT: 1 Billion + Accounts• 100K ATMS• Mobile Wallets

• EXAMPLE: US to India $5,000 per day

• 200 Countries and Territories• 16K Corridors• EXAMPLE: US to India $1,000 for $5 Fee

• Big Data Hadoop• Cutting Edge

Middleware Integration • Global Content Management• Data Science• Analytics

• Monitoring• Modeling Tools

• Web & Mobile Frameworks

• 50+ Statistical Models• 22 Vendors / Consortiums

DEDICATED MANUALREVIEW DESK

YES

NO

MAYBE

• Credit Card Networks VISA, Master Card

• Bank Transfers• Tokenization• 130+ Currencies

KYC

DEDICATEDGLOBAL

COMPLIANCEREVIEW TEAM

YES

NO

MAYBE• TOUCH ID• PROFILE• CARD SCAN• ANDROID / IOS 3

Analyze

KnowCustomer Profile +

Wallet + My WU Management.

Exchange

• 130+ Currency Conversion Engine

Cross-Border Technology

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User Interface “Blueprint”

Digital Channel Services API Integration Layer

Big Data (Hadoop)

Funds-IN

RealtimeRiskDecision

Funds-OUTAPN

GlobalSettlementPlatform

• Modern Front-End Technology• Omni-Channel Framework

• Modern Integration Layer• Application Programming

Interface

• Cards, ACH, iACH• Sofort, Ideal, Trustly • WUPay

• 20+ Run-time Vendor Integrations

• 500+ Calculated variables• 50+ Statistical Models

• Billions of rows of data• Petabytes of data• Near Real-time

• Cash at 500K+ locations• APN in over 50 Countries• Digital Wallets• Billions of Accounts

• Agent / Partner / Payments Settlement

• 204 Licenses • 1,000+ Unique Real-Time

Decisioning Rules

Global Compliance Platform

WU CORE

WU GATEWAY

SMART PHONE APP WU.COM KIOSK WU POS

Global Compliance Program Capabilities

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DYNAMIC CUSTOMER INFORMATION COLLECTION

REQUIRED REGULATORY DISCLOSURES

SENDER RECEIVER

CUSTOMIZABLE SUITE OF CONTROLS 1,000+ UNIQUE REAL

TIME DECISIONING RULES

MROCMexico LAROC

Costa Rica

EUROCLithuania

AROCPhilippines

A LEADINGTECHNOLOGYAND OPERATIONSORGANIZATION

1,000REAL-TIME

DECISIONINGRULES

~2,200DEDICATED

COMPLIANCE PROFESSIONALS

REAL-TIMERESPONSE

WITHIN MILLISECONDS

31TRANSACTIONS

PER SECOND