The Intermex team has a laser focus on delivering for their customers and agent partners alike, which very closely aligns with the culture that we have now been building at Western through synergies and outside of the obvious public company costs we think there are plenty of opportunities that could prove our 30 million dollar synergy target conservative we had originally committed to achieving these synergies over the first two years but based on the work today I am optimistic that it will be front-loaded as well And lastly, as most of you know, we completed the acquisition of Eurochange in the United Kingdom, which has added meaningfully to our scale and our travel money platform. This transaction expands our presence in the European travel money market and strengthens our ability to serve outbound travelers in the United Kingdom.

Apr 24, 2026 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2026-04-24 | transcript 4837b6d2-dda4-42e1-ae4f-22050cc44f8c | chars 12349-13193 | segment 12

In consumer services, adjusted revenue was up 33% in the quarter, driven by growth in travel money, led by euro change, as well as growth in our bill pay business. We expect consumer services to have another strong year in 2026, as our travel money business is expected to approach $150 million in revenue, up from nearly nothing a few years ago.

Apr 24, 2026 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2026-04-24 | transcript 4837b6d2-dda4-42e1-ae4f-22050cc44f8c | chars 5567-5913 | segment 5

As you know, travel money has grown from a small business just a few years ago to what we expect to be $150 million business this year.

Apr 24, 2026 / receipt, needs a key / Devin, CEO | earnings call 2026-04-24 | transcript 4837b6d2-dda4-42e1-ae4f-22050cc44f8c | chars 22702-22837 | segment 23

So we have seen a noted decline in... as you would expect, of travel from Europe to the Middle East, which had some impact on our travel money business, particularly in the UK in the first quarter, which exacerbated the fixed cost coverage issues that Matt talked about.

Apr 24, 2026 / receipt, needs a key / Devin, CEO | earnings call 2026-04-24 | transcript 4837b6d2-dda4-42e1-ae4f-22050cc44f8c | chars 32948-33218 | segment 33

Our travel money business will be approaching $100 million in revenue this year from nearly nothing a few years ago.

Jul 28, 2025 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2025-07-28 | transcript 84162533-db4c-47e7-995f-4623e8fe93f9 | chars 1442-1558 | segment 1

We expect our travel money business to have another strong quarter in Q3 as we continue to benefit from Eurochange acquisition and the summer travel season.

Jul 28, 2025 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2025-07-28 | transcript 84162533-db4c-47e7-995f-4623e8fe93f9 | chars 2530-2686 | segment 2

This acquisition complements our strategy across continental Europe with travel money services now in Spain and Italy, with Germany soon on the horizon.

Apr 23, 2025 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2025-04-23 | transcript 0841e1bf-47e6-4b9d-90bd-132856e19147 | chars 12188-12340 | segment 12

But importantly, we are continuing to look at expanding the business, particularly in Asia and South America, because many of our customers travel across those regions. I was recently in Malaysia, and you could just watch the business. We've opened our first own location in Malaysia. with people leaving, working in Singapore, coming back to Malaysia, being in Malaysia, going back to Indonesia, back and forth between China and Malaysia.

Apr 23, 2025 / receipt, needs a key / Chris Kennedy, other | earnings call 2025-04-23 | transcript 0841e1bf-47e6-4b9d-90bd-132856e19147 | chars 54117-54556 | segment 56

Finally, we believe the travel money segment will continue to grow as consumers prioritize travel and new experiences with their discretionary income, and we know that local currency in hand remains an important element for non-business consumer travel.

Apr 23, 2025 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2025-04-23 | transcript 0841e1bf-47e6-4b9d-90bd-132856e19147 | chars 11934-12187 | segment 12

THE EURO CHANGE ACQUISITION WILL OBVIOUSLY HELP US AS WE STARTED TO INTEGRATE THAT HERE IN THE MONTH OF APRIL AS WELL AS WE'VE SEEN STRENGTH ACROSS OUR TRAVEL MONEY BUSINESS WHICH WE THINK WILL HELP OUR OVERALL CONSUMER SERVICES BUSINESS.

Apr 23, 2025 / receipt, needs a key / Matt, CFO | earnings call 2025-04-23 | transcript 0841e1bf-47e6-4b9d-90bd-132856e19147 | chars 25918-26156 | segment 26

As I have seen in my recent travels, Latin America is a great example of the potential of our receiver base and an important growth market for Western Union.

Aug 3, 2022 / receipt, needs a key / Devin McGranahan, CEO | earnings call 2022-08-03 | transcript 4a2bfc8c-0ddc-4cbc-840d-6fcfbf1870be | chars 12670-12827 | segment 12

We're obviously saving some money this year with good expense management. So that's helping us achieve the overall margin goals and bottom line and EPS levels. even while revenue is not being hit at the original objective. And as we typically move through the course of the year, Jason, we will tighten those ranges based on what we're seeing. So it's nothing really more than that. And we feel comfortable with our investments. We continue to invest heavily in technology, in innovation. We are really expanding on that. So we feel comfortable.

Nov 2, 2021 / receipt, needs a key / Raj, CFO | earnings call 2021-11-02 | transcript 9ee3e470-2990-41ba-8de2-96096feb84cc | chars 27095-27640 | segment 27