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be disclosed, in whole or in part, without the express written consent of Euronet Worldwide, Inc. This document is an unpublished work protected under the copyright laws of the United States of America and other countries.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 © 2008-2010 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

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Euronet Worldwide CompanyOverview

Legend: Originating Countries Terminating Countries Other Points of Presence

Electronic Payments

Money Transfer

Secure Financial Transactions – Any Time, Any

Place

Electronic Financial Transactions

~216,000Money Transfer

NetworkLocations

22Money Transfer

Originating Countries

135Countries Money

Transfers Delivered

~$9 BillionMoney Transfers Processed in 2013

35.2 MillionTransactions 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

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MT Business Overview

~$40 BillionCash Dispensed from

ATMs in 2013

~1.2 BillionTransactions Processed in

2013

43# of Countries where

transactions are processed in Europe, Asia Pacific, Middle East and

Africa

18,311ATMsLive

~270Bank Partners

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 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

6

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

Top Sender Country No. of Locations

1. United States 17,000

2. Canada 1,300

3. Australia 510

4. Germany 850

5. New Zealand 30

6. France 1,130

7. Denmark 100

8. Sweden 220

9. Norway 60

10. Argentina Brazil

70440

Top 10 Beneficiary and Sender Countries - Korea

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Ria footprint – U.S.

19

Ria footprint - Canada

Ria footprint - Spain

20

21

Ria footprint - Germany

Thank you