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MARKETUAE Exchange has become a household name for money transfer, foreign exchange and payment solutions services, and is the first name that comes to mind for customers when they think of money transfer. This leading global remittance and foreign exchange brand has a rich history of over three decades. Established in 1980, with a single branch in Abu Dhabi, UAE Exchange now has presence in 32 countries in five continents, with over 750 direct offices. Everyday, more than 9,000 employees, representing over 40 nationalities across the globe, strive towards one single aim – customer service and delight!

UAE Exchange serves a wide range of communities and cultures, worldwide. The remittance major offers a wide range of services which includes Remittance, Foreign Exchange, Payroll Management, Bill Payments, Wealth Management, Travel and Tours and more. Various pro-active processes like SMS intimation, dynamic customer inquiry system, touch points, self operated kiosks, customer suggestions programme, in-house reliable technological initiatives and the trained multi-cultural service staff members, make customers’ every visit, to any of the widely-networked branches of UAE Exchange, a memorable experience.

ACHIEVEMENTSThe customer has always been the nucleus of every activity that UAE Exchange has entered and it is this fervour which has brought the organisation many awards and accolades including the Dubai Quality Award, Sheikh Khalifa Excellence Award, Sheikh Mohammed bin Rashid Al Maktoum Business Award, Dubai Human Development

Appreciation Programme, Dubai ChamberCSR Label, Asia’s Most Promising Brand Award,Customer Experience Benchmarking Index Awards,Service Olympian People’s Choice Award, PayExpo2013 Award for gocash card, Top 3 – 2012 Awardfor the top performers in Brand category ofHamriyah Free Zone Branch, Banker Middle EastProduct Award, Best Partner by Emirates NationalDevelopment Programme, UAE EmiratisationAward, Deutsche Bank STP Excellence Award,Customer Service Week Star Award for 2010,2011 and 2012. ISO 9001, 14001 and ISO27001 certifications. Voted Superbrands from 2009to 2015 consecutively and Bizz Award for being themost inspirational organisation. UAE Exchange wasalso accredited with TISSE 2012 (The InternationalStandard for Service Excellence) certification.

HISTORYUAE Exchange came into existence in a period when people were not acquainted with the term Money Transfer. From a single branch, in 1980, to over 750 direct offices today the brand had to work hard to earn the trust of customers, with their hard-earned money to be sent to their families. Today, UAE Exchange has evolved into a complete solutions provider for the entire

remittance and foreign exchange services, globally. A combination of diversified portfolio of products and services along with strategic revenue resources, innovative marketing initiatives, strong partner alliances, and rapid expansion are the factors attributing to the success of UAE Exchange. While leading the global market, UAE Exchange also covers UAE with a network of over 139 branches.

PRODUCTUAE Exchange provides a wide range of services including:Xpress Money - launched in 1999, has now become the most sought after money transfer service across the globe, with a presence in 150 countries and a network of 170,000 agents. Prestigious banks and non-banking institutions tied up with Xpress Money in order to ensure safe transfer of your hard earned money to your loved ones back home. Customers, who insist on speed and reliability of money transfers, along with convenience of easy collection, insist on Xpress Money. Many value laden features have taken Xpress Money ahead of its competitors. Its niche positioning as the ‘most dependable instant money transfer brand’; value-for-money service, including transaction confirmation through SMS to sender upon payment collection by the beneficiary, help in avoiding costly follow-ups. The strategic positioning of pay-in and pay-out locations and agent-centric payouts, ensures revenue for the agent. For more details, log on to www.xpressmoney.commoney2anywhere.com - an online remittance experience with a combination of competitive exchange rates, quick processing of the request and friendly customer service. This web-based money transfer service, which helps its customers to send money to any corner of the world from their computers, is currently available in eight countries. Customers can send their money anywhere using their Bank accounts, credit / debit cards through this fast and secure online remittance portal. For more details, log on to www.money2anywhere.comSMARTPAY - a leading payroll solution which is in compliance with Wage Protection System, an initiative by UAE Ministry of Labour and UAE Central Bank to streamline salary disbursals, across the UAE. SMARTPAY opened up a channel of convenience for salary earners, who can get their salaries on time from any of UAE Exchange’s branches. Salary payments are also done at the workers’ accommodation across the UAE by Smart Pay on-site disbursal teams. Through organised salary payments it empowers the average salary earner, who benefits from consistent, timely, secure and convenient salary pick-up. The launch of MasterCard-enabled payroll cards offers added value to employees and takes convenience to the next level. Employees can easily draw their salaries from any MasterCard-enabled ATMs, across the world, or from any UAE Exchange Cash Dispensing Machines in the UAE. For more details, log on to www.smartpaysolutions.com

FLASHremit - a service that enables real-time remittance to bank accounts. You can now transfer money instantly and get the confirmation through SMS within seconds of account credit. This service is currently available in India, Nepal, Philippines, Malaysia, Sri Lanka and Indonesia. More banks from many countries are showing interest in the service. XPAY - a product that changes the way payment and settlements work in India. India has the second largest mobile phone user base in the world. XPAY is a novel payment service system that enables you to make transactions effortlessly. It allows you to shop, pay utility bills, restaurants bills and more through your mobile. gocashtravel card - This smart multicurrency prepaid travel card can load up to six currencies and has about fifteen currencies to choose from. This was designed for the new age traveller who doesn’t want to go through the hassles of currency exchange while travelling. UAE Exchange has tied up with MasterCard which means the card can be used across the globe. This is currently available for residents in the UAE and can be used by customers travelling abroad for work, holiday or further education.

Things you didn’t know aboutUAE Exchange

l Largest retail remittance network in the world.Handles 6.1% of the total volume of global remittances.l Over 750 direct offices in 32 countries.l Over 9,000 personnel, representing more than 40 nationalities, employed worldwide.l First remittance brand in the UAE to have branches in all the seven emirates.l One of the widest branch networks in the UAE with over 139 branches, with seven days a week, round-the-year operations.l First remittance brand in the UAE to have branches in sixteen stations of Dubai Metro network.l Xpress Money has over 170,000 agent locations across 150 countries.l Strong correspondent banking relationship with close to 150 leading global banks.l UAE Exchange is the first remittance brand in the UAE to have the prestigious SWIFT membership.l UAE Exchange is the first and the only remittance brand in the UAE to have a MasterCard Principal Membership.l UAE Exchange is the first remittance brand in the UAE to tie up with Visa for Visa Money Transfer initiative.l UAE Exchange mobile app enables customers to retrieve information on latest exchange rates, offers and updates in their respective region.l Mybranch, a self operated kiosk, allows you to send money, pay your credit card bills and loan instalments independently, thus saving time and energy.l First exchange house in the middle east to have been TISSE (The International Standard for Service Excellence) 2012 certified.

RECENT DEVELOPMENTSUAE Exchange strives to reach out to more customers and deliver more value and be a neighbourhood brand. They began operations in Japan in 2014 further expanding their horizons. UAE Exchange launched its very own exclusive mobile and USSD applications that enables customers to retrieve information on the latest exchange rates, offers and updates from their region, right on their phones. They expanded FLASHremit, which is currently available for expatriate customers from seven countries including Bangladesh, India, Indonesia, Malaysia, Nepal, Philippines and Sri Lanka. money2anywhere.com, UAE Exchange’s online money transfer portal is available in seventeen new states in the USA. UAE Exchange has also launched an online portal for Smart Pay which enables clients to upload funds and salary information files, and track the salary

disbursal status, right from their desks. To bridge the gap between the company and customers, UAE Exchange has introduced a real time customer feedback touch point called ‘Xpulse’.

PROMOTIONPromotions are a way of life at UAE Exchange helping create deeper, stronger and meaningful bonds with their customers and the communities they serve. Among the popular promotions are the Money Majlis, which involves customers of UAE Exchange from various communities, Onasowbhagyam promotion, which helps chart strong relations with the Keralite community from India; Jashan-e-Bahara promotion for the Pakistani community, which coincides with the festive season of Pakistan; Bijoy Utsav and Shopno Choa promotion for the Bangladeshi community; Ahlan Saif for the Arab community and Bak Maha Wasana promotion for the Sri Lankan community, which commemorates the Sinhalese New Year. All of these promotions involve fabulous prizes and rewards including cash prizes, gold vouchers, cars, villas, apartments and more. UAE Exchange conducts many interesting online promotions and contests, through its strong online social network. Every promotion is well-thought-out to bring maximum value to each target group.

BRAND VALUESThe UAE Exchange work philosophy is strongly bound by its core values and principles, which is manifested in every initiative undertaken.VisionTo be the most admired global brand in money transfer, foreign exchange and payment solutions.Core ValuesIntegrity, Commitment, Empowerment and Care.

UAE Exchange has laid strong emphasis on integrity in to the work culture thereby building lasting trust in customers’ minds. It continues to work closely with industry regulators to achieve, and ultimately surpass, the increasingly stringent compliance standards required in the current regulatory environment. Significant progress has been made to strengthen compliance policies, procedures and operations infrastructure.

UAE Exchange has instilled a profound sense of passion to serve customers with warmth, undertake activities which are committed to the welfare of the society and foster business relations which are committed to the benefit of partners and associates.

Technological advancements like MyBranch or products like SMARTPAY and gocash are classic

examples of how customers’ money transfers and other financial needs have been addressed giving them an opportunity to experience another level of customer service altogether. UAE Exchange is a reflection of the communities it serves, maintaining its reputation as the financial brand with the strongest market relations with the community and the media fraternity. UAE Exchange clearly understands the role of the corporate in strengthening communities, and recognise that collective success is intertwined. The brand has always striven to give back to the community by being a responsible corporate citizen through regular CSR initiatives.