Western Union 2013 Annual Report Download - page 130

2013 FORM 10-K
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Other
Some of our services are subject to card association rules and regulations. For example, an independent standards-setting
organization, the Payment Card Industry ("PCI") Security Standards Council (including American Express, Discover Financial
Services, JCB International, MasterCard Worldwide and Visa Inc. International) developed a set of comprehensive requirements
concerning payment card account security through the transaction process, called the Payment Card Industry Data Security Standard
("PCI DSS"). All merchants and service providers that store, process and transmit payment card data are required to comply with
PCI DSS as a condition to accepting credit cards. We are subject to annual reviews to ensure compliance with PCI regulations
worldwide and are subject to fines if we are found to be non-compliant.
Stored-value services offered by Western Union are subject to United States federal and state laws and regulations, as well
as laws and regulations outside of the United States, related to consumer protection, licensing, escheat and money laundering.
Similar services that we offer internationally are subject to various country laws. These laws are evolving, and the extent to which
they apply to Western Union or its consumers is sometimes unclear. While we are unable to determine the full impact that new
laws and changing interpretations may have on these services, recent history suggests that new rules may, among other things,
broaden our liability for the services and increase the scope of the information that we and our agents must collect, maintain and
report about consumers.
Employees and Labor
As of January 31, 2014, our businesses employed approximately 10,000 employees, of which approximately 8,000 employees
are located outside of the United States.
Available Information
The Western Union Company is a Delaware corporation and its principal executive offices are located at 12500 East Belford
Avenue, Englewood, CO, 80112, telephone [phone]. The Company's Annual Report on Form 10-K, quarterly reports on
Form 10-Q, current reports on Form 8-K, and amendments to those reports are available free of charge through the "Investor
Relations" portion of the Company's website, www.westernunion.com, as soon as reasonably practical after they are filed with
the Securities and Exchange Commission ("SEC"). The SEC maintains a web site, www.sec.gov, which contains reports, proxy
and information statements, and other information filed electronically with the SEC by the Company.