Western Union Investor Presentation — February 2020

Document content

Earnings Webcast and Conference Call

Head of Investor Relations and Treasury

This pres entation contains certain statements that are forward -looking within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are not guarantees of future performance and involve certain risks,

uncertainties and assumptions that are difficult to predict. Actual outcomes and results may differ materially from those expressed in, or implied by, our forward -looking statements. Words such as "expects," "intends," "targets,"

"anticipates," "believes," "estimates," "guides," "provides guidance," "provides outlook" and other similar expressions or future or conditional verbs such as "may," "will," "should," "would," "could," and "might" are

intended to identify such forward -looking statements. Readers of this pres entation of The Western Union Company (the "Company," "Western Union," "we," "our ," or "us") should not rely solely on the forward -looking statements

and should consider all uncertainties and risks discussed in the "Risk Factors" section and throughout the Annual Report on Form 10 -K for the year ended December 31, 2018. The statements are only as of the date they are made, and the

Company undertakes no obligation to update any forward -looking statement.

Possible events or factors that could cause results or performance to differ materially from those expressed in our forward -look ing statements include the following: (i) events related to our business and industry, such as: changes in

general economic conditions and economic conditions in the regions and industries in which we operate, including global economic downturns and trade disruptions, or significantly slower growth or declines in the money transfer,

payment service, and other markets in which we operate, including downturns or declines related to interruptions in migration patterns or other events, such as civil unrest ,war, terrorism, natural disasters, or public health emergencies

or epidemics, or non -performance by our banks, lenders, insurers, or other financial services providers; failure to compete effectively in the money transfer and payment service industry, including among other things, with respect to

price, with global and niche or corridor money transfer providers, banks and other money transfer and payment service providers, including electronic, mobile and internet -based services, card associations, and card -based payment

providers, and with digital currencies and related protocols, and other innovations in technology and business models; political conditions and related actions, including trade restrictions and government sanctions, in the United States

and abroad ,which may adversely affect our business and economic conditions as a whole, including interruptions of United States or other government relations with countries in which we have or are implementing significant business