Foreign Currency Risk We manage foreign currency risk through the structure of the business and an active risk management process. One of the methods to settle with our payers in Latin America is entering into foreign exchange tom and spot transactions with local and foreign currency providers (“counterparties”). The foreign currency exposure on our foreign exchange tom and spot transactions is limited by the fact that all transactions are settled within two business days from trade date. Foreign currency fluctuations, however, may negatively affect our average exchange gain per transaction. The Company had open tom and spot foreign exchange contracts for Mexican pesos and Guatemalan quetzales amounting to approximately $14.3 million and $4.7 million at June 30, 2026 and December 31, 2025, respectively. In addition, included in wire transfers and money orders payable, net in our condensed consolidated balance sheets as of June 30, 2026 and December 31, 2025, there are $14.4 million and $20.2 million, respectively, of wires payable denominated in foreign currencies, primarily Mexican pesos and Guatemalan quetzales. Also, included in prepaid wires, net in our condensed consolidated balance sheets as of June 30, 2026 and December 31, 2025, there are $8.2 million and $33.2 million, respectively, of prepaid wires denominated in foreign currencies, primarily Mexican pesos and Guatemalan quetzales. We are also exposed to changes in currency rates as a result of our investments in foreign operations and revenues generated in currencies other than the U.S. dollar. Revenues and profits generated by our international operations will increase or decrease because of changes in foreign currency exchange rates. This foreign currency risk is related primarily to our operations in our foreign subsidiaries. Revenues from our foreign subsidiaries represents approximately 4% of our consolidated revenues for the six months ended June 30, 2026. Therefore, a 10% increase or decrease in these currency rates against the U.S. Dollar would result in a de minimis change to our overall operating results. The spot and average exchange rates for the currencies in which we operate to U.S. dollar are as follows: 2026 2025 Spot(1) Average(2) Spot(1) Average(2) U.S. dollar/Mexican Peso 17.45 17.47 17.99 19.95 U.S. dollar/Guatemalan Quetzal 7.60 7.63 7.65 7.68 U.S. dollar/Canadian Dollar 1.42 1.38 1.37 1.41 U.S. dollar/Dominican Peso 59.54 60.55 62.98 60.89 U.S. dollar/Euro 0.88 0.86 0.85 0.92 U.S. dollar/British Pound Sterling 0.76 0.74 0.74 0.77 (1)Spot exchange rates are as of June 30, 2026 and December 31, 2025. (2)Average exchange rates are for the six months ended June 30, 2026 and 2025. Long-term sustained appreciation of the Mexican peso or Guatemalan quetzal as compared to the U.S. dollar could affect our revenues and profit margins. Interest Rate Risk As discussed above, interest under the Second A&R Credit Agreement is variable based on certain benchmark rates, including SOFR, EURIBOR and SONIA. Because interest expense is subject to fluctuation, if interest rates increase, our debt service obligations on such variable rate indebtedness would increase even though the amount borrowed may remain the same. Accordingly, an increase in interest rates would adversely affect our profitability. During the six months ended June 30, 2026, the Federal Reserve maintained the fed funds rate at 3.75%. As a consequence, other benchmark interest rates such as SOFR remained virtually unchanged. The Company expects that the Federal Reserve will continue to monitor inflation and other economic indicators to assess if any interest rate changes in 2026 are warranted. As of June 30, 2026, we had $113.8 million in outstanding borrowings under the revolving credit facility. A hypothetical 1% increase or decrease in the interest rate on our indebtedness as of June 30, 2026 would have increased or decreased cash interest expense on our revolving credit facility by approximately $1.1 million per annum, respectively. 45 Index Credit Risk We maintain certain cash balances in various U.S. banks, which at times, may exceed federally insured limits. We have not incurred any losses on these accounts. In addition, we maintain cash in various bank accounts in Mexico, Guatemala, Canada, Spain, the United Kingdom, Germany and Italy, which may not be fully insured. During the six months ended June 30, 2026, we did not incur any losses on these uninsured accounts. To manage our exposure to credit risk with respect to cash balances and other credit risk exposure resulting from our relationships with banks and financial institutions, we regularly review cash concentrations, and we attempt to diversify our cash balances among global financial institutions. We are also exposed to credit risk related to receivable balances from sending agents, digital partners and other parties. We perform a credit review before each agent signing and conduct ongoing analyses of sending agents and certain other parties we transact with directly. As of June 30, 2026, we also had $5.5 million outstanding of agent advances receivable from sending agents. Most of the agent advances receivable are collateralized by personal guarantees from the sending agents and by assets from their businesses. Our provision for credit losses was approximately $5.5 million for the six months ended June 30, 2026 (2.2% of total revenues) and $3.9 million for the six months ended June 30, 2025 (1.3% of total revenues). The increase in our provision for credit losses in the six months ended June 30, 2026 is primarily due to an increase in write-offs of agent receivable balances primarily as a result of sending agents that were not able to pay in accordance with the original terms of their agreements with us and are, accordingly, subject to our normal collection procedures as well as higher chargebacks of uncollected online money transfer transactions. 46 Index