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Western Union Business Solutions CapabilitiesWestern Union Business Solutions provides customers with a range of cash management and payment solutions to address their needs, including:

• Real‑time visibility of the cost of their future FX exposures

• Resources to help manage risks associated with these FX exposures

• Efficient ways to pay foreign invoices

© 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/.

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.

* Trading lines are subject to financial accreditation † Forward and Option contracts may require an upfront security pre‑payment

Western Union Business Solutions CapabilitiesPackage details Description

Maximum Visibility

WU® EDGE platform Seamlessly connects buyers and sellers in one platform and empowers them with powerful transaction capabilities, potent cash management tools, game‑changing insights and expert support

Currency Tracker / Market Updates Receive automatic notifications on FX rate movements and daily news that impacts currency markets

Foreign Currency Holding Balances Hold foreign currencies in one of our 21+ Holding Balances for up to 90 days

Maximum Certainty

Market Orders Set a target exchange rate and automatically purchase currency when it is achieved

Options*† Help protect currency exposures while having the ability to participate in favorable market movements

Spot Payments* Take advantage of the prevailing exchange rate at any given time

Forwards*† Create certainty by locking in FX rates to cover future liabilities

Exotic Currency Solutions Expand your business internationally with our comprehensive range of currency pairs

Maximum Efficiency

WU® GlobalPay Platform Make payments online in 130+ currencies and manage all your currency and reporting needs

24 Hour Trading Buy currency and / or send payments 24 hours a day during the working week

ACH Payments Ensure payments arrive in the beneficiary’s bank account in FULL!

Automatic Beneficiary Notification Let your beneficiaries know when a payment is on its way saving you valuable time

Payee Manager – Beneficiary Management

Allow your beneficiaries to manage their own banking instructions helping to reduce errors and manual procedures

FX360 – Payment Upload Speed up your payment process by uploading payment files

Flexible Approval Models Customizable, online approval models which reflect your payment approval processes

Detailed Reporting Capabilities Quick and easy access to meaningful reports you can download for reconciliation and accounting purposes

E‑debit Settlement by e‑debit enabling straight through processing for payments

Enterprise Groups Link multiple WU® GlobalPay company accounts together via a single user sign‑on

Incoming Funds Receive funds from customers worldwide without the hassle of maintaining foreign currency bank accounts

Premium Support

Dedicated Account Manager Single point of contact to service your needs

Access to Market Specialists Access to FX, Payments, Operations and Compliance experts

International Payment Customer Service

Locally based Client Support team

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