Obligation West Union Corp 3.35% ( US959802AT61 ) en USD

West Union Corp

100 % ⇌

Etas-Unis

US959802AT61 ( en USD )

3.35% par an ( paiement semestriel )

22/05/2019 - Obligation échue

Prospectus brochure de l'obligation Western Union Company US959802AT61 en USD 3.35%, échue

2 000 USD

250 000 000 USD

959802AT6

N/A

Western Union est une société mondiale de services financiers spécialisée dans les transferts d'argent, les paiements et les services monétaires, opérant via un vaste réseau de points de service et de canaux numériques.

L'obligation Western Union Company (US959802AT61, CUSIP 959802AT6), émise aux États-Unis pour un montant total de 250 000 000 USD avec un prix actuel au marché de 100%, un taux d'intérêt de 3,35%, une taille minimale d'achat de 2 000 USD, une maturité le 22/05/2019 et une fréquence de paiement semestrielle, a atteint sa maturité et a été intégralement remboursée.

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Filed Pursuant to Rule 424(b)(2)
Registration File No. 333-191608
CALCULATION OF REGISTRATION FEE

Proposed
Amount
Maximum
Maximum
Title of Each Class of
to be
Offering Price
Aggregate
Amount of
Securities to be Registered

Registered

Per Unit

Offering Price
Registration Fee(1)
3.350% Notes due 2019
$250,000,000 99.960%

$249,900,000 $32,187

(1) Calculated in accordance with Rule 457(o) and (r) under the Securities Act of 1933, as amended.
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PROSPECTUS SUPPLEMENT
(To Prospectus dated October 7, 2013)
3.350% Notes due 2019

The Western Union Company is offering $250,000,000 aggregate principal amount of 3.350% Notes due 2019 (the "notes").
Interest on the notes will be set at a per annum rate equal to 3.350%. The interest rate on the notes may be adjusted under the
circumstances described in this prospectus supplement under "Description of the Notes--General--Interest Rate Adjustment." The
Western Union Company will pay interest on the notes on May 22 and November 22 of each year, beginning May 22, 2014. The notes
will mature on May 22, 2019.
The Western Union Company may redeem the notes at any time in whole or from time to time in part at the price specified in this
prospectus supplement under the section titled "Description of the Notes--Optional Redemption."
The notes will be The Western Union Company's senior unsecured obligations and will rank equally in right of payment with its
other existing and future senior unsecured obligations. The notes will be effectively junior to all existing and future indebtedness and
other liabilities of our subsidiaries.
The notes will not be listed on any securities exchange or included in any automated quotation system. Currently there is no
public market for the notes.

Investing in the notes involves risks. See the sections titled "Risk Factors" beginning on page S-12
of this prospectus supplement and page 5 of the accompanying prospectus for a discussion of certain of
the risks you should consider before investing in the notes.

Per Note
Total

Public offering price(1)

99.960%
$249,900,000
Underwriting discount

0.600%
$ 1,500,000
Proceeds, before expenses, to The Western Union Company(1)
99.360%
$248,400,000

(1) Plus accrued interest from November 22, 2013, if settlement occurs after that date.
Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of
these securities or determined if this prospectus supplement or the accompanying prospectus is truthful or complete. Any
representation to the contrary is a criminal offense.
We expect that the notes will be ready for delivery in book-entry form only through The Depository Trust Company and its
participants, including Clearstream Banking, société anonyme and Euroclear Bank, S.A./N.V., on or about November 22, 2013.

Joint Book-Running Managers

Co-Managers
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Credit Agricole CIB
Fifth Third Securities, Inc.
Scotiabank
The date of this prospectus supplement is November 19, 2013.
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TABLE OF CONTENTS
Prospectus Supplement

Page
About This Prospectus Supplement
S-1
Forward-Looking Statements
S-2
Industry Data
S-4
Where You Can Find More Information
S-4
Prospectus Supplement Summary
S-5
Summary of Selected Historical Financial Data
S-9
Risk Factors
S-12
Use of Proceeds
S-14
Capitalization
S-15
Description of the Notes
S-17
Material U.S. Federal Income Tax Considerations
S-29
Underwriting
S-34
Legal Matters
S-38
Experts
S-38
Prospectus

Page
About This Prospectus
1
Where You Can Find More Information
1
Forward-Looking Statements
3
Risk Factors
5
The Western Union Company
6
Use of Proceeds
7
Ratio of Earnings to Fixed Charges
8
Description of Debt Securities
9
Plan of Distribution
22
Legal Matters
23
Experts
23
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ABOUT THIS PROSPECTUS SUPPLEMENT
This document is in two parts. The first part is this prospectus supplement, which describes the terms of the offering of the notes.
The second part is the accompanying prospectus dated October 7, 2013, which we refer to as the "accompanying prospectus." The
accompanying prospectus contains a description of certain terms of the debt securities we may issue, including the notes, and gives
more general information, some of which may not apply to the notes. To the extent the information contained in this prospectus
supplement differs or varies from the information contained in the accompanying prospectus or the documents incorporated by
reference into the prospectus supplement or the accompanying prospectus, the information in this prospectus supplement controls.
We have not, and the underwriters have not, authorized anyone to provide any information other than that contained or
incorporated by reference in this prospectus supplement and the accompanying prospectus or in any free writing prospectus prepared
by or on behalf of us or to which we have referred you. We take no responsibility for, and can provide no assurance as to the
reliability of, any other information that others may give you. We are not, and the underwriters are not, making an offer to sell the
notes in any jurisdiction where the offer or sale is not permitted. You should assume that the information appearing in this prospectus
supplement, the accompanying prospectus and the documents incorporated by reference herein and therein, and any free writing
prospectus, is accurate only as of the respective dates of those documents. Our business, financial condition, results of operations and
prospects may have changed materially since those dates.
Before you invest in the notes, you should carefully read the registration statement (including the exhibits thereto) of which the
accompanying prospectus form a part, this prospectus supplement, the accompanying prospectus and the documents incorporated by
reference into this prospectus supplement and the accompanying prospectus. The incorporated documents are described under "Where
You Can Find More Information."
As used in this prospectus supplement, the terms "Western Union," the "Company," "we," "us" and "our" refer to The Western
Union Company and not its consolidated subsidiaries or to The Western Union Company and all of its consolidated subsidiaries taken
as a whole, as the context requires.

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FORWARD-LOOKING STATEMENTS
This prospectus supplement, the accompanying prospectus and the materials we have filed or will file with the Securities and
Exchange Commission (the "SEC") (as well as information included in our other written or oral statements) contain or will contain
certain statements that are forward-looking within the meaning of the Private Securities Litigation Reform Act of 1995. These
statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions that are difficult to
predict. Actual outcomes and results may differ materially from those expressed in, or implied by, our forward-looking statements.
Words such as "expects," "intends," "anticipates," "believes," "estimates," "guides," "provides guidance," "provides outlook" and
other similar expressions or future or conditional verbs such as "may," "will," "should," "would," "could" and "might" are intended
to identify such forward-looking statements. You should not rely solely on the forward-looking statements and should consider all
uncertainties and risks throughout this prospectus supplement and the accompanying prospectus, including those referenced under the
sections titled "Risk Factors" and those incorporated by reference herein. The statements are only as of the date they are made, and
we undertake no obligation to update any forward-looking statement.
Possible events or factors that could cause results or performance to differ materially from those expressed in our forward-
looking statements include the following: (i) events related to our business and industry, such as: deterioration in consumers' and
clients' confidence in our business, or in money transfer and payment service providers generally; changes in general economic
conditions and economic conditions in the regions and industries in which we operate, including global economic and trade
downturns and financial market disruptions; political conditions and related actions in the United States and abroad which may
adversely affect our business and economic conditions as a whole; failure to compete effectively in the money transfer and payment
service industry with respect to global and niche or corridor money transfer providers, banks and other money transfer and payment
service providers, including telecommunications providers, card associations, card-based payment providers and electronic and
Internet providers; the pricing of our services and any pricing reductions, and their impact on our consumers and our financial results;
our ability to adapt technology in response to changing industry and consumer needs or trends; our failure to develop and introduce
new services and enhancements, and gain market acceptance of such services; changes in, and failure to manage effectively, exposure
to foreign exchange rates, including the impact of the regulation of foreign exchange spreads on money transfers and payment
transactions; interruptions of United States government relations with countries in which we have or are implementing significant
business relationships with agents or clients; changes in immigration laws, interruptions in immigration patterns and other factors
related to migrants; mergers, acquisitions and integration of acquired businesses and technologies into our Company, including
Travelex Global Business Payments, and the realization of anticipated financial benefits from these acquisitions, and events requiring
us to write down our goodwill; decisions to change our business mix; failure to manage credit and fraud risks presented by our agents,
clients and consumers or non-performance by our banks, lenders, other financial services providers or insurers; adverse movements
and volatility in capital markets and other events which affect our liquidity, the liquidity of our agents or clients, or the value of, or
our ability to recover our investments or amounts payable to us; any material breach of security or safeguards of or interruptions in
any of our systems; our ability to attract and retain qualified key employees and to manage our workforce successfully; our ability to
maintain our agent network and business relationships under terms consistent with or more advantageous to us than those currently in
place; adverse rating actions by credit rating agencies, including the recent downgrade by Moody's Investors Service, Inc. of our
senior unsecured rating; our ability to realize the anticipated benefits from productivity and cost-savings and other related initiatives,
which may include decisions to downsize or to transition operating activities from one location to another, and to minimize any
disruptions in our workforce that may result from those initiatives; our ability to protect our brands and our other intellectual property
rights; our failure to manage the potential both for patent protection and patent liability in the context of a rapidly developing legal
framework for intellectual property protection; changes in tax laws and unfavorable resolution of tax contingencies; cessation of or
defects in various services provided to us by third-party vendors; material changes in the market value or liquidity of securities that
we hold; restrictions imposed by our debt obligations; significantly slower growth or declines in the money transfer, payment service,
and other markets in which we operate; and changes in industry

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standards affecting our business; (ii) events related to our regulatory and litigation environment, such as: the failure by us, our agents
or their subagents to comply with laws and regulations, including regulatory or judicial interpretations thereof, designed to detect and
prevent money laundering, terrorist financing, fraud and other illicit activity, and increased costs or loss of business associated with
compliance with those laws and regulations; changes in United States or foreign laws, rules and regulations including the Internal
Revenue Code of 1986, as amended (the "Code"), governmental or judicial interpretations thereof and industry practices and
standards, including the impact of the Foreign Account Tax Compliance provisions of the Hiring Incentives to Restore Employment
Act; liabilities resulting from a failure of our agents or their subagents to comply with laws and regulations; increased costs or loss of
business due to regulatory initiatives and changes in laws, regulations and industry practices and standards affecting us, our agents, or
their subagents; liabilities and unanticipated developments resulting from governmental investigations and consent agreements with,
or enforcement actions by, regulators, including those associated with compliance with, failure to comply with, or extension of, the
settlement agreement with the State of Arizona; the impact on our business from the Dodd-Frank Wall Street Reform and Consumer
Protection Act, the rules promulgated thereunder, and the actions of the Consumer Financial Protection Bureau; liabilities resulting
from litigation, including class-action lawsuits and similar matters, including costs, expenses, settlements and judgments; failure to
comply with regulations regarding consumer privacy and data use and security; effects of unclaimed property laws; failure to maintain
sufficient amounts or types of regulatory capital to meet the changing requirements of our regulators worldwide; and changes in
accounting standards, rules and interpretations; and (iii) other events, such as: adverse tax consequences from our spin-off from First
Data Corporation; catastrophic events; and management's ability to identify and manage these and other risks.

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INDUSTRY DATA
This prospectus supplement and the accompanying prospectus include or incorporate by reference industry and trade association
data, forecasts and information that we have prepared based, in part, upon data, forecasts and information obtained from independent
trade associations, industry publications and surveys and other independent sources available to us. Some data also are based on our
good faith estimates, which are derived from management's knowledge of the industry and from independent sources. The primary
sources for third-party industry data and forecasts are Aite Group, LLC and other industry reports and articles. These third-party
publications and surveys generally state that the information included therein is believed to have been obtained from sources believed
to be reliable, but that the publications and surveys can give no assurance as to the accuracy or completeness of such information. We
have not independently verified any of the data from third-party sources nor have we ascertained the underlying economic
assumptions on which such data are based. Similarly, we believe our internal research is reliable, even though such research has not
been verified by any independent sources.
WHERE YOU CAN FIND MORE INFORMATION
We file annual, quarterly and current reports, proxy statements and other information with the SEC. The SEC allows us to
"incorporate by reference" into this prospectus supplement the information we file with the SEC, which means that we can disclose
important information to you by referring you to those documents. The information incorporated by reference is considered to be part
of this prospectus supplement, and information that we file later with the SEC will automatically update and supersede this
information. SEC rules and regulations also permit us to "furnish" rather than "file" certain reports and information with the SEC.
Any such reports or information which we have indicated or indicate in the future as being "furnished" shall not be deemed to be
incorporated by reference into or otherwise become a part of this prospectus supplement, regardless of when furnished to the SEC.
We incorporate by reference the following documents we filed with the SEC (file number 001-32903) and any future filings that we
file with the SEC under Sections 13(a), 13(c), 14, or 15(d) of the Securities Exchange Act of 1934, as amended, or the "Exchange
Act," until the offering of the notes under this prospectus supplement is complete:

· Annual Report on Form 10-K for the year ended December 31, 2012;

· Quarterly Reports on Form 10-Q for the quarters ended March 31, 2013, June 30, 2013 and September 30, 2013; and

· Current Reports on Form 8-K filed with the SEC on March 11, 2013, June 3, 2013, June 17, 2013, August 22,

2013, August 27, 2013, October 29, 2013 (Item 1.01 only) and November 14, 2013.
We make available free of charge most of our SEC filings through our Internet website (www.westernunion.com) as soon as
reasonably practicable after we electronically file these materials with the SEC. You may access these SEC filings on our website.
The contents of our Internet website are not a part of this prospectus supplement or the accompanying prospectus. You may also
request a copy of our SEC filings at no cost, by writing or telephoning us at:
The Western Union Company
12500 East Belford Avenue
Englewood, Colorado 80112
Attention: Investor Relations
Telephone (866) 405-5012
Our SEC filings are also available at the SEC's website at www.sec.gov. You may also read and copy any documents that we
file with the SEC at the SEC's public reference room at 100 F Street, N.E., Washington, D.C. 20549. You can request copies of these
documents by writing to the SEC and paying a fee for the copying cost. Please call the SEC at 1-800-SEC-0330 for more information
about the operation of the public reference room.

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PROSPECTUS SUPPLEMENT SUMMARY
This summary highlights selected information contained elsewhere in, or incorporated by reference into, this prospectus
supplement and the accompanying prospectus and does not contain all of the information that you should consider in making
your investment decision. You should read this summary together with the more detailed information appearing elsewhere in
this prospectus supplement, as well as with the information in the accompanying prospectus and in the documents
incorporated by reference or deemed incorporated by reference into this prospectus supplement or the accompanying
prospectus. You should carefully consider, among other things, the matters discussed in the sections titled "Risk Factors" in
this prospectus supplement and in our Annual Report on Form 10-K for the year ended December 31, 2012 and in our
Quarterly Reports on Form 10-Q for the quarterly periods ended March 31, 2013, June 30, 2013 and September 30, 2013. In
addition, this prospectus supplement and the accompanying prospectus include or incorporate by reference forward-looking
information that involves risks and uncertainties, which should be read with the cautionary statements and important factors
included under "Forward-Looking Statements" above.
Our Company
The Western Union Company is a leader in global money movement and payment services, providing people and businesses
with fast, reliable and convenient ways to send money and make payments around the world. The Western Union® brand is
globally recognized. Our services are primarily available through a network of agent locations in more than 200 countries and
territories. Each location in our agent network is capable of providing one or more of our services.
Our business consists of the following segments:

· Consumer-to-Consumer--The Consumer-to-Consumer operating segment facilitates money transfers between two
consumers, primarily through a network of third-party agents. Our multi-currency, real-time money transfer service is
viewed by us as one interconnected global network where a money transfer can be sent from one location to another,

around the world. This service is available for international cross-border transfers--that is, the transfer of funds from
one country to another--and, in certain countries, intra-country transfers--that is, money transfers from one location to
another in the same country. This segment also includes money transfer transactions that can be initiated through our
websites and account based money transfers.

· Consumer-to-Business--The Consumer-to-Business operating segment facilitates bill payments from consumers to
businesses and other organizations, including utilities, auto finance companies, mortgage servicers, financial service

providers, government agencies and other businesses. The significant majority of the segment's revenue was generated
in the United States in the nine months ended September 30, 2013.

· Business Solutions--The Business Solutions operating segment facilitates payment and foreign exchange solutions,
primarily cross-border, cross-currency transactions, for small and medium size enterprises and other organizations and

individuals. The majority of the segment's business relates to exchanges of currency at the spot rate which enables
customers to make cross-currency payments. In addition, in certain countries, we write foreign currency forward and
option contracts for customers to facilitate future payments.
All businesses that have not been classified in the above segments are reported as "Other" and include our money order,
prepaid services and other businesses and services, in addition to costs for the investigation and closing of acquisitions.

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We believe that brand strength, size and reach of our global network, convenience, reliability, and value for the price paid
for our customers have been important to our business. As we continue to meet the needs of our customers for fast, reliable and
convenient global money movement and payment services, we are also working to enhance our services and provide our
consumer and business clients with access to an expanding portfolio of payment and other financial services and to expand the
number of channels available to access these services.
The majority of our revenue comes from fees that consumers pay when they send money or make payments. In certain
consumer money transfer and Business Solutions transactions involving different send and receive currencies, we generate
revenue based on the difference between the exchange rate set by us to the consumer or business and the rate at which we or our
agents are able to acquire currency.
Our principal executive offices are located at 12500 East Belford Avenue, Englewood, Colorado 80112 and our telephone
number is (866) 405-5012.

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