The Western Union Company (Western Union) is engaged in money movement and payment services. The Company's services are available through a network of agent locations in more than 200 countries and territories. The Company operates in three segments, including Consumer-to-Consumer, Consumer-to-Business and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, through a network of third-party agents. The Consumer-to-Business 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 Business Solutions segment facilitates payment and foreign exchange solutions, cross-border, cross-currency transactions for enterprises and other organizations and individuals.