RIA, a Euronet Worldwide Company March 2014 Proprietary Information: The contents of this document are confidential and may contain trade secrets. This.
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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 2013
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EFT Business Overview
~$13 BillionPrepaid Content Processed in 2013
~1.1 BillionTransactions Processed
in 2013
35Countries
Processing Across Europe, Asia and the
Americas
~665,000Point-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
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epay Business Overview
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MO
BILE
OPE
RATO
RS A
ND
OTH
ERS
Partnership with approximately 250 banks, more than 200 mobile operators and more than 100 non-mobile content providers
Euronet’s Extensive Partner NetworkDirect Connections to Leading Banks, Card Organizations and Mobile Operators
Ria Money Transfer
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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 2013-2015 to about $515 billion in 2015.
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
2009 2010 2011 2012 2013
82,000110,000
146,000
177,000
216,000
Network GrowthNumber of Locations
Asia44%
LAC22%
Europe20%
Northern America, 19,000,
9%
Africa & Oceania, 10,000,
5%
Network Locations by region Y2013
• 39,000 locations added in one year
• Network more than doubled in 4 years
2009 2010 2011 2012 2013
17.6 18.820.7
23.7
27.8
Money Transfer Transaction Growth
Million transactions
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
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CORRESPONDENTS BILLERS
TOP UPS PROVIDERS
Partnership with approximately 90 correspondent banks, 3,000 billers and leading retailers
PAYOUT
Ria US
REGULATIONS LICENSING BANKING
Compliance
System
Service
Treasury
MT ENGINESEND
Ria Spain
Ria Italy
Ria Australia
€ $
RIA Agent
RIA Stores
Riamoneytransfer.com
Money Transfer Business OverviewSimplified Money Transfer Model
Bank Deposit
Home Delivery
Correspondent Branch
ATMs in Poland
Cash Pick Up
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Payout MethodChannels
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
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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?
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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
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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
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• 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 Country Available Services
No. of Locations
1. China C, B 3,100
2. Vietnam C, B, H 650
3. Philippines C, B, H 5,400
4. Mongolia C, B 390
5. United States C 4,130
6. Indonesia C, B 20,200
7. Bangladesh C, B 5,900
8. Nepal C, B 3,200
9. India C, B 44,100
10. Pakistan C, B 5,360
C = cash PickupB = Credit to bank AccountH = Home Delivery