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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr style="height:12pt;"><td style="vertical-align:top;width:5.85%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:12pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><ix:nonNumeric contextRef="Duration_3_27_2020_To_3_27_2020_995T5Cgvl0-EqWDjD--jqw" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial" id="Tc_zYo4L8tzFU28yghl8f9Xzw_1_0"><span style="font-family:'Segoe UI Symbol';font-size:9pt;">&#9744;</span></ix:nonNumeric></p></div></div></td><td style="vertical-align:top;width:94.14%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:12pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:9pt;margin:0pt 0pt 2pt 0pt;">Soliciting material pursuant to Rule&#160;14a-12 under the Exchange Act (17 CFR 240.14a-12)</p></div></div></td></tr></table><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;margin-bottom:12pt;visibility:hidden;">&#8203;</span></p><a id="_0cf5a5a8_ce17_4abd_b105_d85a3fe20712"></a><a id="Tc_jfYx1AwPYk2rvf_DJtnGLg_1_1"></a><table style="border-collapse:collapse;font-size:16pt;padding-left:0pt;padding-right:0pt;width:105.5%;"><tr style="height:1pt;"><td style="vertical-align:top;width:5.85%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:94.14%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr style="height:12pt;"><td style="vertical-align:top;width:5.85%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:12pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><ix:nonNumeric contextRef="Duration_3_27_2020_To_3_27_2020_995T5Cgvl0-EqWDjD--jqw" format="ixt-sec:boolballotbox" name="dei:PreCommencementTenderOffer" id="Tc_dQlKZyo6VkWBQpz0bDqfjg_1_0"><span style="font-family:'Segoe UI 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:94.14%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr style="height:12pt;"><td style="vertical-align:top;width:5.85%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:12pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><ix:nonNumeric 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style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr><td style="vertical-align:top;width:33.38%;margin:0pt;padding:0pt 3pt 0pt 0pt;"><p style="font-family:'Times New Roman';font-size:9pt;line-height:1.26;text-align:center;margin:0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Title of each class</b></p></td><td style="vertical-align:top;width:33.38%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:9pt;line-height:1.26;text-align:center;margin:0pt;"><b style="font-weight:bold;text-decoration:underline;text-decoration-color:#000000;">Trading Symbol(s)</b></p></td><td style="vertical-align:top;width:33.23%;margin:0pt;padding:0pt 3pt 0pt 0pt;"><p style="font-family:'Times New Roman';font-size:9pt;line-height:1.26;text-align:center;margin:0pt;"><b 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style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:9pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr style="height:21.25pt;"><td style="vertical-align:top;width:96.61%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:21.25pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:9pt;margin:0pt 0pt 2pt 0pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a)&#160;<span style="white-space:pre-wrap;">of the Exchange Act.     </span><span style="font-family:'Segoe UI Symbol';">&#9744;</span></p></div></div></td><td style="vertical-align:middle;width:3.38%;margin:0pt;padding:0pt 0pt 0pt 3pt;"><div style="height:21.25pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:50%;transform:translate(0,-50%);width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><span style="font-size:9pt;margin-bottom:12pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr></table><div style="padding-bottom:1.0px;border-bottom:3.0pt solid #000000;"><p style="font-family:'Times New Roman';font-size:10pt;padding-bottom:1pt;border-bottom:1.0pt solid #000000;margin:0pt;"><span style="margin-bottom:12pt;visibility:hidden;">&#8203;</span></p></div><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:5pt;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:79.3%;border:0;margin:30pt 10.35% 30pt 10.35%;"></div><div style="max-width:100%;padding-left:10.35%;padding-right:10.35%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 0pt 3pt;"><span style="margin-left:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;padding-left:0pt;padding-right:0pt;table-layout:auto;width:100.12%;"><tr style="height:1pt;"><td style="vertical-align:top;width:9.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td><td style="vertical-align:top;width:90%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr style="height:19.4pt;"><td style="vertical-align:top;width:9.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Item&#160;7.01.</b></p></td><td style="vertical-align:top;width:90%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Regulation FD Disclosure.</b></p></td></tr></table><p style="font-family:'Times New Roman';font-size:10pt;margin:4.5pt 0pt 0pt 0pt;"><span style="white-space:pre-wrap;">On March 27, 2020, The Western Union Company (the &#8220;Company&#8221;) issued a press release regarding its 2020 financial outlook.  A copy of the press release is attached hereto as Exhibit 99.1.  </span><span style="background-color:#ffffff;color:#212529;">The information furnished under this Item 7.01, including Exhibit 99.1, shall not be deemed &#8220;filed&#8221; for purposes of Section&#160;18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as may be expressly set forth by specific reference to such filing.</span></p><p style="background-color:#ffffff;font-family:'Times New Roman';font-size:10pt;margin:6pt 0pt 0pt 0pt;"><span style="font-weight:bold;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;padding-left:0pt;padding-right:0pt;table-layout:auto;width:100.12%;"><tr style="height:1pt;"><td style="vertical-align:top;width:9.99%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td><td style="vertical-align:top;width:90%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr style="height:19.4pt;"><td style="vertical-align:top;width:9.99%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Item&#160;8.01.</b></p></td><td style="vertical-align:top;width:90%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Other Events.</b></p></td></tr></table><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="background-color:#ffffff;color:#212529;visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="background-color:#ffffff;color:#212529;">The Company is filing this Current Report on Form 8-K to supplement the risk factors described in Item 1A of the Company&#8217;s Annual Report on Form 10-K for the fiscal year ended December 31, 2019. The following risk factor disclosure should be read in conjunction with the risk factors described in the Annual Report on Form 10-K.</span></p><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="background-color:#ffffff;color:#212529;font-style:italic;font-weight:bold;">The extent to which the COVID-19 pandemic, or the perception of its effects, will impact our business depends on future developments, which are highly uncertain and cannot be predicted, and the effects of the pandemic could have a material adverse effect on our business, financial condition, results of operations, and cash flows.</span></p><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="background-color:#ffffff;color:#212529;">The global spread of the coronavirus (COVID-19) has created significant macroeconomic uncertainty, volatility, and disruption. &#160;</span>In response, many governments have implemented policies intended to stop or slow the further spread of the disease, such as lockdowns, shelter-in-place, or restricted movement guidelines, and these measures may remain in place for a significant period of time. &#160;These policies have resulted in lower consumer and commercial activity across many markets and the closure of Western Union agent locations in certain areas. &#160;For example, customers are currently experiencing reduced access to retail agent locations due to temporary closures in areas of China, Italy, Spain and other parts of Europe, India, Argentina, and parts of the United States, among other geographies. &#160;Consequently, Western Union&#8217;s retail money transfer business experienced a year-over-year decline in transactions during the latter part of March that will likely continue for the near-term. &#160;Further, a global economic downturn, including increased unemployment, that may result from lower consumer and commercial activity may continue to decrease demand for our money transfer, payment and other services.</p><p style="font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="color:#212529;visibility:hidden;">&#8203;</span></p><p style="background-color:#ffffff;font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="color:#212529;">The spread of the coronavirus has caused us to modify our business practices (including employee travel, employee work locations, and cancellation of physical participation in meetings, events and conferences), and we may take further actions as may be required by government authorities or that we determine are in the best interests of our employees, customers, clients and business partners. &#160;There is no certainty that such measures will be sufficient to mitigate the risks posed by the virus or otherwise be satisfactory to government authorities.</span></p><p style="background-color:#ffffff;font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="color:#212529;visibility:hidden;">&#8203;</span></p><p style="background-color:#ffffff;font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="color:#212529;">The extent to which the coronavirus outbreak impacts our business, financial condition, results of operation or cash flows will depend on future developments, which are highly uncertain and cannot be predicted, including, but not limited to, the duration and geographic spread of the outbreak, its severity, the actions to contain the virus or treat its impact, and how quickly and to what extent normal economic and operating conditions can resume. &#160;Even after the coronavirus outbreak has subsided, we may continue to experience materially adverse impacts to our business as a result of its global economic impact, including any recession, economic downturn, or increased unemployment that has occurred or may occur in the future.</span></p><p style="background-color:#ffffff;font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="color:#212529;visibility:hidden;">&#8203;</span></p><p style="background-color:#ffffff;font-family:'Times New Roman';font-size:10pt;min-height:12.0pt;text-align:justify;margin:0pt;"><span style="color:#212529;">There are no comparable recent events which may provide guidance as to the effect of the spread of the coronavirus and a global pandemic, and, as a result, the ultimate impact of the coronavirus outbreak or a similar health epidemic is highly uncertain and subject to change. &#160;We do not yet know the full extent of the impacts on our business, our operations or the global economy as a whole. &#160;However, the effects </span><span style="color:#212529;">could have a material adverse effect on our business, financial condition, results of operations, and cash flows.</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-weight:bold;visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:79.3%;border:0;margin:30pt 10.35% 30pt 10.35%;"></div><div style="max-width:100%;padding-left:10.35%;padding-right:10.35%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 0pt 3pt;"><span style="display:inline-block;text-indent:0pt;width:53pt;"><b style="color:#000000;font-family:'Times New Roman';font-size:10pt;font-style:normal;font-weight:bold;text-align:left;">Item&#160;9.01.</b></span><span style="display:inline-block;width:16pt;"></span><b style="font-weight:bold;">Financial Statements and Exhibits.</b></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 0pt 3pt;"><span style="font-weight:bold;margin-left:0pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;padding-left:0pt;padding-right:0pt;table-layout:auto;width:100%;"><tr style="height:1pt;"><td style="vertical-align:top;width:9.39%;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td><td colspan="3" style="vertical-align:top;width:5.02%;margin:0pt;padding:0pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:top;width:85.57%;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="position:absolute;top:0pt;width:100%;"></div></div></td></tr><tr style="height:1pt;"><td colspan="2" style="vertical-align:bottom;width:9.61%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><span style="font-size:8pt;font-weight:bold;visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td colspan="3" style="vertical-align:bottom;width:90.38%;margin:0pt;padding:0pt 2pt 0pt 3pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:9.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Exhibit Number</b></p></td><td colspan="2" style="vertical-align:top;width:4.18%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-weight:bold;visibility:hidden;">&#8203;</span></p></td><td colspan="2" style="vertical-align:top;width:86.42%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-weight:bold;visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">Description of Exhibit</b></p></td></tr><tr><td style="vertical-align:top;width:9.39%;border-top:1px solid #000000;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td colspan="2" style="vertical-align:top;width:4.18%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td colspan="2" style="vertical-align:top;width:86.42%;border-top:1px solid #000000;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:top;width:9.39%;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 6pt 0pt;">99.1</p></td><td colspan="2" style="vertical-align:top;width:4.18%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 6pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td colspan="2" style="vertical-align:top;width:86.42%;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 6pt 0pt;"><a href="ex-99d1.htm"><span style="font-family:'Times New Roman';font-size:10pt;font-style:normal;font-weight:normal;text-align:left;">Press Release issued by The Western Union Company on March 27, 2020</span></a></p></td></tr><tr style="height:5pt;"><td colspan="2" style="vertical-align:bottom;width:9.61%;margin:0pt;padding:0pt 0pt 0pt 3pt;"><div style="height:5pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p></div></div></td><td colspan="3" style="vertical-align:bottom;width:90.38%;margin:0pt;padding:0pt 0pt 0pt 3pt;"><div style="height:5pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 2pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:top;width:9.39%;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 6pt 0pt;">104</p></td><td colspan="2" style="vertical-align:top;width:4.18%;margin:0pt;padding:0pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 6pt 0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td colspan="2" style="vertical-align:top;width:86.42%;margin:0pt;padding:0pt 0.69pt 0pt 0.69pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 6pt 0pt;"><span style="background-color:#ffffff;color:#212529;">Cover Page Interactive Data File (embedded within the Inline XBRL document)</span></p></td></tr></table><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div></div>
<div style="background-color:#000000;clear:both;height:2pt;page-break-after:always;width:79.3%;border:0;margin:30pt 10.35% 30pt 10.35%;"></div><div style="max-width:100%;padding-left:10.35%;padding-right:10.35%;position:relative;"><div style="clear:both;max-width:100%;position:relative;"><p style="font-family:'Times New Roman';font-size:10pt;font-weight:bold;text-align:center;margin:0pt 0pt 12pt 0pt;">SIGNATURES</p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt 0pt 12pt 0pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="margin-bottom:12pt;visibility:hidden;">&#8203;</span></p><table style="border-collapse:collapse;font-size:16pt;margin-left:auto;margin-right:auto;width:100%;"><tr style="height:1pt;"><td style="vertical-align:bottom;width:24.96%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:14.9%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:7.73%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td><td style="vertical-align:bottom;width:52.39%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><div style="height:1pt;overflow:hidden;overflow-wrap:break-word;position:relative;"><div style="bottom:0pt;position:absolute;width:100%;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p></div></div></td></tr><tr><td style="vertical-align:bottom;width:24.96%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:14.9%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:7.73%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:52.39%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td></tr><tr><td style="vertical-align:bottom;width:24.96%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;">Dated: March 27, 2020</p></td><td style="vertical-align:bottom;width:14.9%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td colspan="2" style="vertical-align:bottom;width:60.12%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><b style="font-weight:bold;">THE WESTERN UNION COMPANY</b></p></td></tr><tr><td style="vertical-align:bottom;width:24.96%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:14.9%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:7.73%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;">By:</p></td><td style="vertical-align:bottom;width:52.39%;border-bottom:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:7pt;text-align:center;margin:0pt;"><span style="font-size:10pt;">/s/&#160;&#160;&#160;&#160;D</span>ARREN<span style="font-size:10pt;"> A. D</span>RAGOVICH</p></td></tr><tr><td style="vertical-align:bottom;width:24.96%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:14.9%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:7.73%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;">Name:</p></td><td style="vertical-align:bottom;width:52.39%;border-top:1px solid #000000;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Darren A. Dragovich</b></p></td></tr><tr><td style="vertical-align:bottom;width:24.96%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:14.9%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></td><td style="vertical-align:bottom;width:7.73%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;">Title:</p></td><td style="vertical-align:bottom;width:52.39%;margin:0pt;padding:0pt 5.4pt 0pt 5.4pt;"><p style="font-family:'Times New Roman';font-size:10pt;text-align:center;margin:0pt;"><b style="font-weight:bold;">Vice President and Assistant Secretary</b></p></td></tr></table><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="font-size:1pt;visibility:hidden;">&#8203;</span></p><p style="font-family:'Times New Roman';font-size:10pt;margin:0pt;"><span style="visibility:hidden;">&#8203;</span></p></div></div>
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{"company-data": {"conformed-name": "Western Union CO", "cik": "0001365135", "assigned-sic": "7389", "irs-number": "204531180", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-32903", "film-number": "20753474"}, "business-address": {"street1": "7001 EAST BELLEVIEW AVENUE", "city": "DENVER", "state": "CO", "zip": "80237", "phone": "(866) 405-5012"}, "mail-address": {"street1": "7001 EAST BELLEVIEW AVENUE", "city": "DENVER", "state": "CO", "zip": "80237"}}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM
8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
March 27, 2020
THE WESTERN UNION COMPANY
(Exact name of registrant as specified in its charter)
​
​
​
​
​
Delaware
​
001-32903
​
20-4531180
(State or other jurisdiction
of incorporation)
​
(Commission
File Number)
​
(I.R.S. Employer
Identification No.)
​
​
​
​
​
7001 East Belleview Avenue
Denver
,
CO
​
80237
(Address of principal executive offices)
​
(Zip Code)
​
(
866
)
405-5012
(Registrant's telephone number, including area code)
​
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
​
​
​
☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
​
​
​
☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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​
​
☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
​
​
​
☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
​
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $0.01 Par Value
WU
The New York Stock Exchange
​
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
​
​
​
Emerging growth company
☐
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​
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a)
of the Exchange Act.
☐
​
​
​
​
​
​
Item 7.01.
Regulation FD Disclosure.
On March 27, 2020, The Western Union Company (the "Company") issued a press release regarding its 2020 financial outlook.  A copy of the press release is attached hereto as Exhibit 99.1.
The information furnished under this Item 7.01, including Exhibit 99.1, shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as may be expressly set forth by specific reference to such filing.
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Item 8.01.
Other Events.
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The Company is filing this Current Report on Form 8-K to supplement the risk factors described in Item 1A of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2019. The following risk factor disclosure should be read in conjunction with the risk factors described in the Annual Report on Form 10-K.
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The extent to which the COVID-19 pandemic, or the perception of its effects, will impact our business depends on future developments, which are highly uncertain and cannot be predicted, and the effects of the pandemic could have a material adverse effect on our business, financial condition, results of operations, and cash flows.
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The global spread of the coronavirus (COVID-19) has created significant macroeconomic uncertainty, volatility, and disruption.
In response, many governments have implemented policies intended to stop or slow the further spread of the disease, such as lockdowns, shelter-in-place, or restricted movement guidelines, and these measures may remain in place for a significant period of time.  These policies have resulted in lower consumer and commercial activity across many markets and the closure of Western Union agent locations in certain areas.  For example, customers are currently experiencing reduced access to retail agent locations due to temporary closures in areas of China, Italy, Spain and other parts of Europe, India, Argentina, and parts of the United States, among other geographies.  Consequently, Western Union's retail money transfer business experienced a year-over-year decline in transactions during the latter part of March that will likely continue for the near-term.  Further, a global economic downturn, including increased unemployment, that may result from lower consumer and commercial activity may continue to decrease demand for our money transfer, payment and other services.
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The spread of the coronavirus has caused us to modify our business practices (including employee travel, employee work locations, and cancellation of physical participation in meetings, events and conferences), and we may take further actions as may be required by government authorities or that we determine are in the best interests of our employees, customers, clients and business partners.  There is no certainty that such measures will be sufficient to mitigate the risks posed by the virus or otherwise be satisfactory to government authorities.
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The extent to which the coronavirus outbreak impacts our business, financial condition, results of operation or cash flows will depend on future developments, which are highly uncertain and cannot be predicted, including, but not limited to, the duration and geographic spread of the outbreak, its severity, the actions to contain the virus or treat its impact, and how quickly and to what extent normal economic and operating conditions can resume.  Even after the coronavirus outbreak has subsided, we may continue to experience materially adverse impacts to our business as a result of its global economic impact, including any recession, economic downturn, or increased unemployment that has occurred or may occur in the future.
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There are no comparable recent events which may provide guidance as to the effect of the spread of the coronavirus and a global pandemic, and, as a result, the ultimate impact of the coronavirus outbreak or a similar health epidemic is highly uncertain and subject to change.  We do not yet know the full extent of the impacts on our business, our operations or the global economy as a whole.  However, the effects
could have a material adverse effect on our business, financial condition, results of operations, and cash flows.
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Item 9.01.
Financial Statements and Exhibits.
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Exhibit Number
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Description of Exhibit
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99.1
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Press Release issued by The Western Union Company on March 27, 2020
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104
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Cover Page Interactive Data File (embedded within the Inline XBRL document)
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
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Dated: March 27, 2020
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THE WESTERN UNION COMPANY
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By:
/s/    D
ARREN
A. D
RAGOVICH
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Name:
Darren A. Dragovich
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Title:
Vice President and Assistant Secretary
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