1. Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. WU in Romania Launch Date: 1996 Master Agents: 12 Classes of trade:3 (banks, post, retail) Locations: 6.800 Channels: locations, on line ABMT, ATMs ABMT C2C, A2C, C2A, A2A BRD Raiffeisen Bank Banca Transilvania Banca Romaneasca Banca Carpatica Banc Post Millenium Bank ATE Bank NEXTE Bank Emporiki Bank Piraeus Bank Posta Romana Paypoint Cora WU Retail Services Ro

2. Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. Romanian Remittance Market Evolution 80% is Inbound 1 Source: AITE, Cross-Border Money Transfers: A Sizing Update, Feb 2013

3. Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. Migration and Remittances in Romania 2 Source: World Bank 100 K 160 K 200 K 900 K +1 MM 3.3 MM Remittances market stabile around $6 Billion since 2010 3.3M Romanians leave abroad

4. Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. 3 Familiarity No. respondents with familiarity rating Mean score familiarity Source: 2.3R Which of the following ways of receiving money from another person outside this country have you heard of? 2.4R I would like you to rate these ways of receiving money in terms of how much you know about them, using a scale of 1 to 10. Mean score shift Familiarity Base: Total IMTR in Romania who have given familiarity rating for respective method NET - MONEY TRANSFER COMPANY Western Union MoneyGram NET - ANY OTHER MONEY TRANSFER COMPANY NET - INTERNET BASED MONEY TRANSFER COMPANY NET - BANK TO BANK NET - POST OFFICE NET - TRAVEL AGENCIES NET - INFORMAL METHODS Receive from bus driver/ buses/ truck drivers Receive from others (relatives/ friends etc) who deliver it Receive from a crew member from a ferry or an airline NET - OTHER METHODS Overnight courier (eg. Federal Express, UPS, DHL) Regular mail (cheque/ cash/ money order) ATM/ debit/ credit card sent for receiver to use Receive from a local contact who has connections in the sender's country of residence Receiving money into a PREPAID reloadable debit/credit card Door to door services Online gift certificate 300 298 265 134 58 278 117 4* 219 187 192 13* 33 18* 28 5 NA 1 7.9 7.6 6.4 5.5 3.7 6.7 5.5 3.8 8.0 7.7 7.9 6.0 5.8 5.5 6.1 2.4 NA 5.0 NA +0.2 +0.3 +0.1 -0.3 -1.2^ -0.5^ +0.1 -2.4 +1.6^ +2.0^ +1.6^ +6.0 0.0 +0.5 -3.4^ NA +5.0 NA Source: WU Tracking Study 2014

5. Western Union Confidential | ©2013 Western Union Holdings, Inc. All Rights Reserved. Total spontaneous awareness Spontaneous awareness shift: Total mentions 99 94 65 17 5 59 9 0 33 24 26 1 4 2 3 - NA First mention Base: Total IMTR in Romania (300) Source: 2.1R Which ways of receiving money from another person outside this country can you think of? +9^ +6 +3 0 0 -4 -2^ 0 -2 NA 0 0 0 +5^ +4 +10^ +3 +5^ +3 -9^ -2^ +9^ +8^ +11^ +1^ -14^ -7^ -12^ NA Average No. Methods aware3.6 Point Shift+0.2 NET - MONEY TRANSFER COMPANY Western Union MoneyGram NET - ANY OTHER MONEY TRANSFER COMPANY NET - INTERNET BASED MONEY TRANSFER COMPANY NET - BANK TO BANK NET - POST OFFICE NET - TRAVEL AGENCIES NET - INFORMAL METHODS Receive from bus driver/ buses/ truck drivers Receive from others (relatives/ friends etc) who deliver it Receive from a crew member from a ferry or an airline NET - OTHER METHODS Overnight courier (eg. Federal Express, UPS, DHL) Regular mail (cheque/ cash/ money order) ATM/ debit/ credit card sent for receiver to use Receive from a local contact who has connections in the sender's country of residence Receiving money into a PREPAID reloadable debit/credit card Door to door services Online gift certificate Spontaneous awareness WU Tracking Study 2014