Western Union 2015 Annual Report Download - page 122

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Banking Regulations
We have subsidiaries that operate under banking licenses granted by the Austrian Financial Market Authority and the Brazilian
Central Bank. We are also subject to regulation, examination and supervision by the New York State Department of Financial
Services (the "Financial Services Department"), which has regulatory authority over our entity that holds all interests in these
subsidiaries. Further, an Agreement of Supervision with the Financial Services Department imposes various regulatory
requirements including operational limitations, capital requirements, affiliate transaction limitations, and notice and reporting
requirements on this entity. However, because this entity and its subsidiaries do not exercise banking powers in the United States,
we are not subject to the Bank Holding Company Act in the United States.
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.
Employees and Labor
As of December 31, 2015, our businesses employed approximately 10,000 employees, of which approximately
8,000 employees are located outside 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 website, www.sec.gov, which contains reports, proxy
and information statements, and other information filed electronically with the SEC by the Company.
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