These slides and the accompanying oral presentation contain forward looking statements. All statements other than statements of historical facts

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2 These slides and the accompanying oral presentation contain forward looking statements. All statements other than statements of historical facts contained in these slides and the accompanying oral presentation, including statements regarding Xoom Corporation s ( Xoom or the Company ) future operations, future financial position, future revenue, projected growth and expenses, opportunities, prospects and plans and objectives of management are forward looking statements. In some cases, you can identify forward looking statements by terms such as believe, may, will, estimate, continue, anticipate, intend, could, would, project, plan, expect or the negative or plural of these words or similar expressions. The Company has based these forward looking statements largely on its estimates of its financial results and its current expectations and projections about future events and financial trends that it believes may affect its financial condition, results of operations, business strategy, short term and long term business operations and objectives and financial needs. These forward-looking statements are subject to a number of risks, uncertainties and assumptions, including the Company s ability to sustain revenue growth and achieve profitability, the Company s limited operating history, the Company s ability to attract and retain customers, the Company s ability to accurately forecast new customer growth, the Company s ability to accurately forecast revenue and costs related to new customers, fluctuations in the Company s quarterly operating results and cash balances, the Company s ability to maintain sufficient capital to operate its business, fluctuations in foreign exchange rates or revenues the Company generates from money transfers, intense competition faced by the Company, and fraud risks that the Company faces. These risks and uncertainties may also include those described under the heading Risk Factors and elsewhere in the Company s most recent Annual Report on Form 10-K and any subsequently filed reports on Forms 10-Q and 8-K, all of which are available on the Securities and Exchange Commission s website. In light of these risks, uncertainties and assumptions, the forward looking statements discussed in these slides and the accompanying oral presentation may not occur and actual results could differ materially and adversely from those anticipated or implied in the forward looking statements. You should not rely upon forward looking statements as predictions of future events. Although the Company believes that the expectations reflected in the forward looking statements are reasonable, the Company cannot guarantee that the future results, levels of activity, performance or events and circumstances reflected in the forward looking statements will be achieved or occur. Moreover, neither the Company nor any other person assumes responsibility for the accuracy and completeness of the forward looking statements. Any forward looking statement speaks only as of its date. Except as required by law, the Company undertakes no obligation to update publicly any forward looking statements for any reason after the date of this presentation, to conform these statements to actual results or to changes in the Company s expectations. 2

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4 A digital money transfer experience that is: Convenient Fast Cost effective 4

5 ONLINE AND MOBILE Send money anywhere, anytime, 24/7 Instant remittance primarily funded by bank accounts Cost effective Transparent pricing Direct-to-consumer with superior customer service 5

6 Worldwide Remittance Volume 200M+ immigrants worldwide ($ in billions) $549 $707 U.S. is top destination for immigrants 40M immigrants 13% of U.S. Population $418 U.S. is top remittancesending country $123B of outbound remittance E 2016E Highly-fragmented market Source: World Bank 6

7 Xoom Currently Addresses Remittance Markets with $81B Total Volume from the U.S. to 31 Countries Developed Markets $9B $ Philippines $10B Mexico $23B Latin America (ex. Mexico) $21B India $12B 95% of foreign-born U.S. citizens and 78% of resident non-citizens have a bank account Vietnam $6B Note: Data from World Bank (2012) and FDIC (2011). 7

8 Penetration in Currently Served Markets Significant Opportunities for Expansion within Highly Fragmented Market Market Share Over Time Superior Solution is Continuing to Capture Market Share 7% 4% 2% 1% Xoom's Share of Served Market Note: Based on data from World Bank (2012). 8

9 Convenient, fast and cost-effective money transfers New customer sign in Choose your recipient Select disbursement option Select funding option Checking Credit xoom.com Mobile 31 Countries Bank Deposit Cash Pickup Cash Delivery Bank Account credit card Joseph Hale Credit/Debit Cards Repeat customer sign in Quick Send: 1-Step for Repeat Transactions 9

10 Xoom Mobile Txns Xoom Mobile as % of Total Txns 42% 37% 28% 30% Q1-13 Q2-13 Q3-13 Q

11 Proprietary Risk Management Differentiated Payment Processing Capabilities Broad Distribution Network Bank Account credit card Joseph Hale Credit/Debit Card 31 Countries 11

12 90+% funded by bank accounts Low Customer Friction Convenient Service Fast Payout 95+% of bank-funded transactions instantly processed Affordable Customer Fees Strong Gross Margins 12

13 Frictionless recipient experience Payout Option Matches Recipient s Preference Cash Pickup High quality customer service Leading banks and retailers Convenient footprint Direct integration for fast disbursement Fixed economics Bank Deposit Trusted local banks with strong brands Direct integration with partner systems Co-branded marketing in the U.S. Fast deposits Fixed economics 13

14 Television Online / Social / Mobile Incentive Programs Refer-A-Friend Customized ads on TV stations popular with immigrant communities Display ads Paid and unpaid search Remarketing Refer-A-Friend Sporting events Gift Cards 14

15 Penetrate Current Markets Currently Serving $81B Optimize marketing investment Refine customer service Enhance mobile capabilities Establish new partners Expand in New Markets Total Addressable $549B New recipient markets New originating markets Explore Adjacent Services Leverage deep customer and recipient relationship Deliver new services to unlock new revenue streams Note: Based on data from World Bank (2012). 15

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17 New Customers (in 000 s) Active Customers (in 000 s) , Note: Active customers defined as having sent at least one transaction in the last 12 months. 17

18 Active Customers Growth driven by attracting new customers who become active customers Transactions per Active Customer per Quarter Active customers regularly send money home to their loved ones Revenue per Transaction Transaction fee Foreign exchange spread (in 000 s) (Actual $) 776 1, $11.5 $12.3 $12.1 $ Average Transactions per Active Customer per Quarter Note: Average transactions per active customer per quarter is based on last 10 quarters. Revenue per transaction represents average across all transactions. 18

19 ($ in million) $1,800 Quarterly Gross Sending Volume $1,500 Repeat Customers in Quarter New Customers in Quarter $1,367 $1,200 Q4-13 $900 96% $600 $300 $0 4%

20 India Daily GSV INR Rate 30 per. Mov. Avg. (India Daily GSV) 20

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22 Legacy Money Transfer Funding Primarily cash funded No cash funding 90%+ funded by U.S. bank accounts Model Primarily offline with commissioned agents 100% online or mobile origination with no agents Recipient Primarily cash payout Majority of funds directly deposited into a bank account Customer Insight Limited to offline knowledge of customer Digital model provides extensive data 22

23 Anti-Money Laundering Acceptable Use Fraud Bounced Checks Multi-tiered Customer Trust Matrix 24/7 Expert Oversight Predictive Models Refined Over 10+ Years Rules Engines Anti-Fraud Filters Granular Controls 23

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