Western Union Investor Presentation — March 2019

Document content

2Senior Vice President, Investor Relations

This presentation contains certain statements that are forward -looking within the meaning of the Private Securities Litigation R eform 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 ma terially from those expressed in, or implied by, our forward -looking statements. Words such

as "expects," "intends," "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 presentation 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 -looking 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, in cluding 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 decl ines related to interruptions in migration patterns, or non -performance by our banks,

lenders, insurers, or other financial services providers; failure to compete effectively in the money transfer and payment se rvice 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 conditi onsand 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 relationships with agents or clients; deterioration in customer confidence in our business, orin money transfer and payment service providers generally; our ability to adopt new