Western Union Investor Presentation — August 2021

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and conference callBrad Windbigler

Head of Treasury and Investor Relations

2This presentation contains certain statements that areforward -looking within themeaning ofthePrivate Securities Litigation Reform Actof1995 .These statements arenotguarantees offuture performance and involve certain risks,

uncertainties, and assumptions that aredifficult topredict .Actual outcomes and results may differ materially from those expressed in,orimplied by,our forward -looking statements .Words such as"expects," "intends," "targets,"

"anticipates," "believes," "estimates," "guides," "provides guidance," "provides outlook," and other similar expressions orfuture orconditional verbs such as"may," "will," "should," "would," "could," and "might" areintended toidentify

such forward -looking statements .Readers ofthis presentation ofThe Western Union Company (the "Company," "Western Union," "we," "our," or"us") should notrely solely ontheforward -looking statements and should consider all

uncertainties and risks discussed intheRisk Factors section and throughout theAnnual Report onForm 10-Kfortheyear ended December 31,2020 .The statements areonly asofthedate they aremade, and theCompany undertakes no

obligation toupdate anyforward -looking statement .

Possible events orfactors that could cause results orperformance todiffer materially from those expressed inourforward -looking statements include thefollowing :(i)events related toourbusiness and industry, such as:changes in

general economic conditions and economic conditions intheregions and industries inwhich weoperate, including global economic downturns and trade disruptions, orsignificantly slower growth ordeclines inthemoney transfer,

payment service, and other markets inwhich weoperate, including downturns ordeclines related tointerruptions inmigration patterns orother events, such aspublic health emergencies, epidemics, orpandemics such asCOVID -19,civil

unrest, war, terrorism, ornatural disasters, ornon-performance byourbanks, lenders, insurers, orother financial services providers ;failure tocompete effectively inthemoney transfer and payment service industry, including among

other things, with respect toprice, with global and niche orcorridor money transfer providers, banks and other money transfer and payment service providers, including digital, mobile and internet -based services, card associations, and

card -based payment providers, and with digital currencies and related protocols, and other innovations intechnology and business models ;political conditions and related actions, including trade restrictions and government sanctions,

intheUnited States and abroad, which may adversely affect ourbusiness and economic conditions asawhole, including interruptions ofUnited States orother government relations with countries inwhich wehave orareimplementing