RIA, a Euronet Worldwide Company March 2014 Proprietary Information: The contents of this document are confidential and may contain trade secrets. This document may not be distributed and its contents may not be disclosed, in whole or in part, without the express written consent of Euronet Worldwide, Inc. This document is an unpublished work protected under the copyright laws of the United States of America and other countries. Copyright © Euronet Worldwide, Inc. All rights reserved.

Founded in 1994 with $4.0 million. Current market cap is approximately $1.8 billion Listed on U.S. NASDAQ (EEFT) since 1997 Leading electronic payments processor and distributor Approximately 4,100 employees worldwide Responsible for $62 billion cash annually As of Q4 2013, the global payment network includes: 18,311 ATMs in EFT ~294k retailer locations and 665k point-of-sale terminals in epay ~216k locations in Ria (send and receive) FY 2013 Revenue: $1,413.1 million In 2013, processed 2.3 billion transactions Euronet serves clients in ~155 countries 2 Euronet Worldwide Company Overview Legend: Originating Countries Terminating Countries Other Points of Presence Electronic Payments Money Transfer Secure Financial Transactions – Any Time, Any Place Electronic Financial Transactions

~216,000 Money Transfer Network Locations 22 Money Transfer Originating Countries Countries Money Transfers Delivered ~$9 Billion Money Transfers Processed in Million Transactions Processed in 2013 Money Transfer Segment Money Transfer Foreign Currency Exchange Bill Payment Check Cashing One of the largest global Money Transfer companies in the world Transfers are sent and received through a global network of agents, retail locations, correspondent banks and company-owned stores. Dedicated team and systems providing ongoing compliance and support worldwide Ria Branded Prepaid Debit Cards Prepaid Phone Cards Money Orders 3 MT Business Overview

~$40 Billion Cash Dispensed from ATMs in 2013 ~1.2 Billion Transactions Processed in 2013 EFT Processing Segment ATMs Card Issuing POS Driving/Acquiring Value Added Services Outsourcing Network Participation Operations & Mgmt Euronet is a leading payments and electronic financial transaction processor Largest Independent ATM deployer in Central & Eastern Europe Operates the largest independent shared ATM network in India Payment Systems Software actively licensed by 126 customers in 54 countries Driving ~68,000 Point-of-Sale (POS) terminals Acquired Pure Commerce, a fast-growing provider of cloud- based financial and payment solutions to banks, acquirers and global retailers around the world, in January EFT Business Overview

~$13 Billion Prepaid Content Processed in 2013 ~1.1 Billion Transactions Processed in Countries Processing Across Europe, Asia and the Americas ~665,000 Point-of-Sale (POS ) Terminals ~294,000 Retailer Locations epay Segment Mobile Top-up Prepaid Debit Cards Gift Cards Prepaid Digital Content epay is a leading provider of e-payment services and technology Global electronic payment and distribution network Broad product portfolio Direct relationships with multinational and independent retailers More than 200 agreements with mobile operators More than 100 agreements with non-mobile content providers Bill Payment Electronic Payment -Transport/Ticketing, Lotteries, software and Online video games 5 epay Business Overview

6 MOBILE OPERATORS AND OTHERS Partnership with approximately 250 banks, more than 200 mobile operators and more than 100 non-mobile content providers Euronet’s Extensive Partner Network Direct Connections to Leading Banks, Card Organizations and Mobile Operators

Ria Money Transfer

8 Africa~$40 B. Europe~$18 B. Asia~$8 B. Northern America ~$6 B. Africa~$6 B. Others~$2 B. Asia~$202 B. Asia~$97 B. Northern America ~$60 B. Europe~$31 B. Others~$14 B. LAC~58 B. Northern America ~45 B. Europe~7 B. LAC~5 B. Asia~1 B. Others<1 B. Europe~$128 B. Europe~$84 B. Northern America ~$20 B. Asia~$8 B. Others~$16 B. Oceania~$5 B. Europe~$2 B. Oceania~$2 B. Northern America ~$1 B. Others<$1 B. Northern America ~$3 B. Europe~$1 B. Latin America ~$1 B. Others<$1 B. Mexico: ~$21 B. Source: World Bank Our Customers : Migrants Underbanked/Unbanked Our Market : Approximately 216 million migrants worldwide $401 billion market to developing countries in 2012 Remittance flows are expected to grow at an average of 8.8 percent annual rate during to about $515 billion in Market Overview Worldwide Remittances Flows

Originating Money Transfer Network 22 licensed Money Transfer countries Plus 40 other money transfer originating countries Headquarters in United States 223 owned Stores in North America, Europe and Oceania Call center in United States, Spain and El Salvador for Customer Support Support regional offices in China, Poland, India, Senegal, and Philippines 9 1. Ria Worldwide Presence : Licensed Market Payout Money Transfer Network 24,000 + agent and correspondents Partners 216,000+ send and payout locations 4,000+ ATMs 2 million customers worldwide compressing Immigrant and Under banked Population Presence in 135 countries in 5 continents

Aggressive Growth Model 39,000 locations added in one year Network more than doubled in 4 years We keep signing and launching new agreements to expand our global agent network. This is directly contributing to the sustained growth in international transfer volumes and revenues CAGR 4Yrs: 27% CAGR 4Yrs: 12%

Partnership with highly recognized brands 11 CORRESPONDENTSBILLERS TOP UPS PROVIDERS Partnership with approximately 90 correspondent banks, 3,000 billers and leading retailers

PAYOUT Ria US REGULATIONSLICENSINGBANKING Compliance System Service Treasury MT ENGINESEND Ria Spain Ria Italy Ria Australia €$ RIA Agent RIA Stores Riamoneytransfer. com Money Transfer Business Overview Simplified Money Transfer Model Bank Deposit Home Delivery Correspondent Branch ATMs in Poland Cash Pick Up 12 Payout Method Channels

Strong Emphasis on the highest Standards of Compliance U.S. Regulatory Authorities Financial Crimes Enforcement Network (FinCEN) and the Office of Foreign Assets Control (OFAC). Subject to States and Local Governments Licensing Process States Licenses - Ria holds licenses to conduct the services of money transmission and the sale of checks (e.g., money orders) in all 48 states regulating these services, plus the District of Columbia, Puerto Rico and the U.S. Virgin Islands International: Europe: Licensed under the Payment Service Directive in U.K. and Spain Australia: Licensed by Australian Securities & Investment Commission (“ASIC”) for five years. Canada AML Programs: A Compliance Risk Management Program Policies and procedures An Automated transaction monitoring system Internal Audit Team Annual independent review 13 Dedicated Compliance Officer and Certified Anti-Money Laundering Team Agent Verification, Documentation and Credit Review Onsite and Offsite Agent Visits, Automated Transaction Monitoring Frequent Compliance Training Compliance Department

So, what makes Ria different? 14 Flexibility Leading Edge Technology Better Value Proposition for our Partners Global and Local Support Aggressive Growth Model Highest Standards of compliance Competitive Fees and Rates

Better Value Proposition for our Partnerships 15 More flexible approach to true partnerships We learn and recognize our partnerships business strategies We adapt our partnership business model We offer a coordinated Branding and IT Integration solutions Ria provides the technological infrastructure, with no additional operational requirements for the partner Ria’s Value proposition for the business partner: Increase Traffic Flows Increase Revenues Increase your product offer Information Flow between Ria and the business partner: Customers Information Beneficiaries Information Location of Payout Amount of Payment

16 Direct Monetary Benefits: - Non-asset based fee income - Currency exchange rate margin Indirect Non-Monetary Benefits: Remittance senders/beneficiaries represent potential new customers, depositors, and borrowers. Enhanced international name exposure through co-branding and overseas community marketing campaigns performed by RIA Significant Benefits for Service Partners

Top Beneficiary CountryAvailable Services No. of Locations 1.ChinaC, B3, VietnamC, B, H PhilippinesC, B, H5, MongoliaC, B United StatesC4, IndonesiaC, B20, BangladeshC, B5, NepalC, B3, IndiaC, B44, PakistanC, B5,360 C = cash Pickup B = Credit to bank Account H = Home Delivery Top Sender CountryNo. of Locations 1. United States17, Canada1, Australia Germany New Zealand30 6. France1, Denmark Sweden Norway Argentina Brazil Top 10 Beneficiary and Sender Countries - Korea

18 Ria footprint – U.S.

19 Ria footprint - Canada

Ria footprint - Spain 20

21 Ria footprint - Germany

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