Small World overviewGFRD 2015, June 17th

Business OverviewSince its launch in 2005, Small World has expanded rapidly across Europe, North America, Africa and Asia

• Global Financial Technology business model – multi-channel physical/digital

• European headquarters in Madrid

• North American headquarters in New York

• Buy-and-Build Model. 10 successful acquisitions and integrations, 7 strong local sub brands*

• More than $10,0 billion transferred to date (May 2015)

• Backed by FF&P Private Equity, and MMC Ventures, leading UK PE funds

• Selected by UK Government as part of the “FutureFifty Programme”, a group of 50 high growth, high potential UK based businesses

• Partner network of 250,000+ locations in more than 188 countries

• Market leading, scalable, proprietary technology platform

• Outstanding regulatory compliance

• Highly experienced management team

• Global Financial Technology business model – multi-channel physical/digital

European headquarters in Madrid

North American headquarters in New York

(1) * 7 Sub brands: Universal de Envíos, LCC, Choice, UNO, Swiss Transfers, Express Funds, Global Link 2

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• Buy-and-Build Model. 10 successful acquisitions and integrations, 7 strong local sub brands*

• More than $10,0 billion transferred to date (May 2015)

• Backed by FF&P Private Equity, and MMC Ventures, leading UK PE funds

• Selected by UK Government as part of the “FutureFifty Programme”, a group of 50 high growth, high potential UK based businesses

• Partner network of 250,000+ locations in more than 188 countries

• Market leading, scalable, proprietary technology platform

• Outstanding regulatory compliance

• Highly experienced management team

Global Diversified FootprintSignificant scale built to date with huge untapped potential

62%

36%

2%

Europe

North America

New Growth Markets

(1) Europe includes Portugal, Spain, Switzerland, Belgium, Germany, Luxembourg, Netherlands, France, UK and Ireland. New Growth Markets include the recently launched territories of Africa, Brazil, Greece and Sweden. North America includes the U.S. and Canada.

(2) Based on CY2014 reported transaction volume in GBP.

69%

30%

2%

Europe

North America

New Growth Markets

Send & Receive

Receive Only

Disbursement (Receive Market)(3)Origination by Send Volume in GBP(1,2)Origination by # of Transactions(1)

40%

30%

13%

7%10%

Central and South America

Asia & Pacific

Africa

Caribbean

Other

With a presence in 17 states, Small World covers 60% of the US migrant population

(3) Based on CY2014 reported send volume. 3

4

Leading Value PropositionSmall World’s globally trusted brand is recognized by customers for its convenient, rapid and low-cost solution

Seamless and convenient customer experience

Long-track record, visible presence and trusted reputation in ethnic markets

Differentiated Service

• Many traditional money transfer players rely heavily on a cash-to-cash payment proposition

• Small World’s service is differentiated from many competitors as a result of its +330 exclusive correspondent relationships offering direct-to-bank payments in +80 countries

• These relationships provide direct integration between Small World and the bank’s operating platform, enabling cheap and rapid bank deposit transfers direct to account

Rapid instant bank deposits

International payments value chain

Distribution

Branding/Marketing

Licensing

Fund Collecting

Risk

Compliance

Pay-out

FX/settlement

Full ownership of the value chain

Simple

“Small World gives amazing customer service that responded and explained everything to me. I have found Small World to be low cost, easy and fast in comparison to others but most importantly transparent and secure.”

“I sent money to Venezuela without problem. Quick and easy as it should be with these services.”

Trusted

• Single, global brand strategy across all channels

• Team of service specialists ensuring customer satisfaction