We are a market leading independent foreign exchange business. Over the past 40 years we have built a market leading retail network of specialist foreign exchange stores, and have developed Travelex as a trusted and widely recognised brand in foreign exchange. Our mission is to help our customers spend and send money around the world. Our business operates across 60 countries and covers the entire value chain of the retail foreign exchange industry. In our Retail business, we operate stores in the world’s top international airports by international passenger numbers and in major transport hubs, premium shopping malls, high street locations, supermarkets and city centers. We have developed a growing network of over 1,000 ATMs at both on-airport and off-airport locations around the world, and we have built a growing online and mobile foreign exchange platform, having achieved 800k mobile and online transactions in 2017. Our Retail activities also include the processing of VAT refunds for our retail customers, the sending of remittances and other international payments. In Wholesale and Outsourcing, we focus on the preparation, processing and delivery of foreign currency orders for major UK banks and, increasingly, international commercial banks, as well as for travel agencies, hotels and casinos; and the sourcing and distribution of large quantities of foreign exchange banknotes for customers, including central banks and international financial institutions. We believe that our presence across the entire value chain supports our ability to identify and secure business opportunities and provide bespoke product and service solutions to our customers.