8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or Section 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 18, 2018

FINTECH ACQUISITION CORP. II

(Exact name of registrant as specified in its charter)

Delaware	001-37986	47-4219082
(State or other jurisdiction of  incorporation or organization)	(Commission File Number)	(I.R.S. Employer  Identification Number)

2929 Arch Street, Suite 1703 Philadelphia, PA	19104
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code:  (215) 701-9555 

Not Applicable 

(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 to 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)

☐ 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))

 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      ☒

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.

As previously announced, on December 19, 2017, FinTech Acquisition Corp. II (the “Company”) entered into an Agreement and Plan of Merger (the “Merger Agreement”) by and among the Company, FinTech II Merger Sub Inc., a direct wholly-owned subsidiary of the Company (“Merger Sub 1”), FinTech II Merger Sub 2 LLC, a direct wholly-owned subsidiary of the Company (“Merger Sub 2” and together with Merger Sub 1, the “Merger Subs”), Intermex Holdings II, Inc. (“Intermex”) and SPC Intermex Representative LLC (the “Representative”), which provides for the acquisition of Intermex by the Company pursuant to the proposed merger of Merger Sub 1 with and into Intermex with Intermex continuing as the initial surviving entity (the “First Merger”), immediately following which the initial surviving entity will be merged (the “Second Merger,” and together with the First Merger, the “Merger”) with and into Merger Sub 2, with Merger Sub 2 continuing as the surviving entity and a direct wholly owned subsidiary of the Company.

Attached hereto as Exhibit 99.l and incorporated into this Item 7.01 by reference is an investor presentation that will be used by the Company in making presentations to certain existing and potential stockholders of the Company with respect to the Merger. 

The information in this Item 7.01 (including Exhibit 99.1) is being furnished and shall not be deemed to be filed for purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise be subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act.

Additional Information About the Transaction and Where to Find It

The Company has filed with the SEC a Registration Statement on Form S-4, which includes a preliminary proxy statement/prospectus of the Company, in connection with the Merger and will mail a definitive proxy statement/prospectus and other relevant documents to its stockholders. The Company’s stockholders and other interested persons are advised to read, when available, the preliminary proxy statement/prospectus, and amendments thereto, and the definitive proxy statement/prospectus in connection with the Company’s solicitation of proxies for its stockholders’ meeting to be held to approve the Merger because the proxy statement/prospectus will contain important information about the Company, Intermex and the Merger. The definitive proxy statement/prospectus will be mailed to stockholders of the Company as of a record date to be established for voting on the Merger. Stockholders will also be able to obtain copies of the Registration Statement on Form S-4 and the proxy statement/prospectus, without charge, once available, at the SEC’s website at www.sec.gov or by directing a request to: FinTech Acquisition Corp. II, 2929 Arch Street, Suite 1703, Philadelphia, PA 19104, Attn: James J. McEntee, III.

Participants in Solicitation

The Company and its directors and officers may be deemed participants in the solicitation of proxies of the Company’s stockholders with respect to the approval of the Merger. Information regarding the Company’s directors and officers and a description of their interests in the Company is contained in the Company’s annual report on Form 10-K for the fiscal year ended December 31, 2017, which was filed with the SEC, and will also be contained in the Registration Statement on Form S-4 and the definitive proxy statement/prospectus for the Merger when available. Each of these documents is, or will be, available at the SEC’s website or by directing a request to the Company as described above under “Additional Information About the Transaction and Where to Find It.”

In connection with the Merger, at any time prior to the special meeting to approve the Merger, certain existing Company stockholders, which may include certain of the Company’s officers, directors and other affiliates, may enter into transactions with stockholders and other persons with respect to the Company’s securities to provide such investors or other persons with incentives in connection with the approval and consummation of the Merger. While the exact nature of such incentives has not yet been determined, they might include, without limitation, arrangements to purchase shares from or sell shares to such investors and persons at nominal prices or prices other than fair market value. These stockholders will only effect such transactions when they are not then aware of any material nonpublic information regarding the Company, Intermex or their respective securities.

Forward Looking Statements

This Current Report on Form 8-K contains “forward-looking statements” within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by the use of words such as "anticipate", "believe", “could”, “continue”, "expect", "estimate", “may”, "plan", "outlook", “future” and "project" and other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These statements, which involve risks and uncertainties, relate to analyses and other information that are based on forecasts of future results and estimates of amounts not yet determinable and may also relate to our future prospects, developments and business strategies. In particular, such forward-looking statements include statements concerning the timing of the Merger; the business plans, objectives, expectations and intentions of the public company once the transaction is complete, and Intermex’s estimated and future results of operations, business strategies, competitive position, industry environment and potential growth opportunities. These statements are based on the Company’s or Intermex’s management’s current expectations and beliefs, as well as a number of assumptions concerning future events.

Such forward-looking statements are subject to known and unknown risks, uncertainties, assumptions and other important factors, many of which are outside the Company’s or Intermex’s control that could cause actual results to differ materially from the results discussed in the forward-looking statements. These risks, uncertainties, assumptions and other important factors include, but are not limited to, (1) the occurrence of any event, change or other circumstances that could give rise to the termination of the Merger Agreement; (2) the inability to complete the transactions contemplated by the Merger Agreement due to the failure to obtain approval of the stockholders of the Company or other conditions to closing in the Merger Agreement; (3) the ability of the public entity to meet NASDAQ’s listing standards following the Merger; (4) the risk that the proposed transaction disrupts current plans and operations of Intermex as a result of the announcement and consummation of the Merger and related transactions; (5) the ability to recognize the anticipated benefits of the proposed business combination, which may be affected by, among other things, competition, the ability of the combined company to grow and manage growth profitably, maintain relationships with suppliers and agents and retain its management and key employees; (6) costs related to the proposed business combination; (7) changes in applicable laws or regulations; and (8) the possibility that Intermex may be adversely affected by other economic, business, regulatory and/or competitive factors. Additional factors that could cause actual results to differ materially from those expressed or implied in forward-looking statements can be found in the Company’s most recent annual report on Form 10-K, subsequently filed quarterly reports on Form 10-Q and current reports on Form 8-K, which are available, free of charge, at the SEC’s website at www.sec.gov, and will also be provided in the Registration Statement on Form S-4 and the Company’s proxy statement/prospectus when available. New risks and uncertainties arise from time to time, and it is impossible for us to predict these events or how they may affect us. You are cautioned not to place undue reliance upon any forward-looking statements, which speak only as of the date made, and the Company and Intermex undertake no obligation to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise.

Disclaimer

This communication shall neither constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall there be any sale of securities in any jurisdiction in which the offer, solicitation or sale would be unlawful prior to the registration or qualification under the securities laws of any such jurisdiction.

Item 9.01.  Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.	Description
99.1	Investor Presentation

SIGNATURE

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.

	FINTECH ACQUISITION CORP.  II
Dated: May 18, 2018	By:	/s/ James J. McEntee, III
	Name:	James J. McEntee, III
	Title:	Chief Financial Officer

EX-99.1

Exhibit 99.1

Investor Presentation May 2018 CONFIDENTIAL

2 CONFIDENTIAL | Legal Disclaimers This Investor Presentation contains "forward - looking statements within the meaning of the “safe harbor" provisions of the Private Securities Litigation Reform Act of 1995 . Forward - looking statements may be identified by the use of words such as “anticipate", "believe", “could", "continue", " expect", "estimate", "may", “plan", “outlook", "future" and "project" and other similar expressions that predict or indicate future events or trends or that are not statements of historical matters . These statements, which involve risks and uncertainties, relate to analyses and other information that are based on forecasts of future results and estimates of amounts not yet determinable and may also relate to our future prospects, developments and business strategies . In particular, such forward - looking statements include statements concerning the timing of the proposed merger (the "Merger") of Intermex Holdings II, Inc . with and into a direct wholly owned subsidiary of FinTech Acquisition Corp . II (“FNTE”) ; the business plans, objectives, expectations and intentions of the public company once the transaction is complete, and Intermex' s estimated and future results of operations, business strategies, competitive position, industry environment and potential growth opportunities . These statements are based on FNTE’s or Intermex’s management's current expectations and beliefs, as well as a number of assumptions concerning future events . Such forward - looking statements are subject to known and unknown risks, uncertainties, assumptions and other important factors, many of which are outside FNTE's or lntermex's control that could cause actual results to differ materially from the results discussed in the forward - looking statements . You are cautioned not to place undue reliance upon any forward - looking statements, which speak only as to the date made and FNTE and Intermex undertake no obligation to update or revise the forward - looking statements, whether as a result of new information, future events or otherwise . FNTE has filed with the SEC a Registration Statement on Form S - 4 , which includes a preliminary proxy statement/prospectus of FNTE in connection with the Merger, and, when available, will mail a definitive proxy statement/prospectus and other relevant documents to its stockholders . FNTE's stockholders and other interested persons are advised to read the preliminary proxy statement/prospectus, the amendments thereto and, when available, the definitive proxy statement/prospectus, in connection with FNTE’s solicitation of proxies for its stockholders' meeting to be held to approve the Merger because the proxy statement/prospectus contains important information about FNTE, Intermex and the Merger . The definitive proxy statement/prospectus will be mailed to stockholders of FNTE as of a record date to be established for voting on the Merger . Stockholders are also able to obtain copies of the Registration Statement on Form S - 4 and the proxy statement/prospectus, without charge, at the SEC's website at www . sec . gov or by directing a request to : FinTech Acquisition Corp . II, 2929 Arch Street, Suite 1703 , Philadelphia, PA 19104 , Attn : James J . McEntee . FNTE and its directors and officers may be deemed participants in the solicitation of proxies of FNTE's stockholders with respect to the approval of the Merger . Information regarding FNTE's directors and officers and a description of their interests in FNTE is contained in FNTE' s annual report on Form 10 - K for the fiscal year ended December 31 , 2017 , which was filed with the SEC, and is also contained in the Registration Statement on Form S - 4 and will be contained in the definitive proxy statement/prospectus for the Merger, when available . Each of these documents is, or will be, available at the SEC's website or by directing a request to FNTE as described above . In connection with the Merger, at any time prior to the special meeting to approve the Merger, certain existing FNTE stockholders, which may include certain of FNTE’s officers, directors and other affiliates, may enter into transactions with stockholders and other persons with respect to FNTE's securities to provide such investors or other persons with incentives in connection with the approval and consummation of the Merger . While the exact nature of such incentives has not yet been determined, they might include, without limitation, arrangements to purchase shares from or sell shares to such investors and persons at nominal prices or prices other than fair market value . These stockholders will only effect such transactions when they are not then aware of any material nonpublic information regarding FNTE, Intermex or their respective securities . The Intermex financial information for the three month ended March 31 , 2017 and 2018 is unaudited .

3 CONFIDENTIAL | TRANSACTION • FinTech Acquisition Corp. II (“FNTE”), a publicly - traded Special - Purpose Acquisition Company (“SPAC”), will merge with Intermex Holdings II, Inc. (dba “ Intermex ”) • Merged company will apply to continue the listing of its common stock on the NASDAQ • Transaction is expected to close in the second quarter of 2018 VALUE • Transaction value: $339.1 million total enterprise value • 8.3x 2018P Adjusted EBITDA of $40.8 million (1) • 6.9x 2019P Adjusted EBITDA of $49.0 million (1) CONSIDERATION & POST - TRANSACTION OWNERSHIP • Intermex’s current majority owner, Stella Point Capital, will maintain a substantial ownership position in the company • Existing Intermex shareholders will receive: • Approximately $92 million in cash • Approximately $165 million in FNTE common shares • FNTE’s current public shareholders will continue to own 17.5 million FNTE shares POST - TRANSACTION MANAGEMENT & BOARD • Intermex’s management team will continue to operate the business, post - transaction • The Intermex board of directors will expand to 8 members and become the board of FNTE, with FNTE stockholders selecting 1 board observer Transaction Overview (1) Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail.

4 CONFIDENTIAL | ($ in millions) Proposed Sources Pro Forma Capitalization at Closing Rollover Equity $164.8 Cash (3) $131.4 FinTech Acquisition Corp Equity 176.2 Revolving Credit Facility 20.0 Total Sources $341.0 Term Loan 94.6 Total Debt $114.6 Proposed Uses Implied Market Capitalization (4) $355.9 Stock Consideration $164.8 Pro Forma Enterprise Value $339.1 Cash Consideration to Seller 92.0 2019E Adjusted EBITDA (5) 49.0 Cash to Balance Sheet 62.9 Pro Forma Enterprise Value / 2019E Adjusted EBITDA 6.9x Estimated Transaction Costs 21.3 Net Debt / 2019E Adjusted EBITDA (0.3x) Total Uses $341.0 Shares Free From Lockup at $10 Share Price Party Common Shares % Ownership Existing Intermex Shareholders (6) 16,478,009 46.3% FNTE Public Shareholders (7) 17,500,000 49.2% FNTE Sponsor Shareholders (8) (9) 1,614,667 4.5% Total 35,592,675 100.0% Capitalization & Ownership (1) (1) Pro forma projected for June 30, 2018; subject to potential changes in transaction structure, capitalization and working capi tal adjustments between now and expected transaction closing. Assumes no IPO investors redeem their shares for cash in trust . (2) Includes interest of $883,186 earned on the original $175 million held in trust and $362,581 of cash held outside of the trust as of December 31 , 2018. (3) Represents estimated cash balance as of June 30, 2018 plus cash to balance sheet as a result of the transaction. (4) Includes 20% of the total 5,973,333 Founder Shares, or 1,194,666 Founder Shares , that are not subject to transfer restrictions following the close of a business combination, and 420,000 private placement shares purchased by the FinTech Sponsor and Cantor Fitzgerald at the IPO. All Founder Shares and private p lac ement shares will become subject to a lock - up upon the close of business combination not to exceed 15 months. In addition to the lock - up agreement, holders of the Founder Shares are not permitted to transfer or sell any of the four remaining 20% tranches until a closing stock price exceeds $12.00, $13.50, $15.00 and $17.00, respectively, for any 20 trading days wit hin a 30 - trading day period following the consummation of a business combination. (5) Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail. (6) Assumes existing Intermex shareholders receive an equity consideration of $164.8 million in FNTE common shares, which are subject to lock - up at the close of a business combination, not to exceed 15 months. (7) Assumes no IPO investors redeem their shares for cash in trust. (8) If necessary to ensure that legacy Intermex shareholders maintain 50% control of the voting shares in the pro forma entity, a portion of the FNTE Founder Shares may be p la ced in a voting trust controlled by existing Intermex shareholders. (9) Includes 20% of 250,000 Founder Shares, or 50,000 Founder Shares , that the Founders have agreed to transfer to existing Intermex shareholders at transaction closing. The 50,000 shares are not subject to transfer restrictions but are subject to the lock - up agreement as described in Footnote 3. (2)

5 CONFIDENTIAL | Table of Contents I. Intermex Overview II. Competitive Landscape III. Differentiators IV. Future Growth V. Financial Highlights VI. Appendix

6 CONFIDENTIAL | Intermex Overview • Intermex utilizes its technology enabled platform to deliver differentiated financial services to consumers. It is a leading provider of money transfer services in the large and growing U.S. to Latin America and Caribbean (“LAC”) corridor, which represents $82+ billion of annual transaction volume (1) • Intermex’s unique and differentiated approach to the market has resulted in significant and sustainable market share gains and excess growth relative to industry peers • The Company’s success has driven impressive financial performance, including organic revenue and Adjusted EBITDA compounded annual growth rates (CAGR) of 32% and 35%, respectively, from 2015 to 2017 $ 215.5M 2017 Revenue $33.4M 2017 Adjusted EBITDA (2) 15.6% 2017 Adjusted EBITDA Margin % (2) 19.1M 2017 Money Transfer Transactions $6.8B+ 2017 Remittance Volume 17 Countries across Latin America Licensed in 50 U.S. states and Puerto Rico, served through a sending agent base of independent , non - exclusive agents and 31 company stores 585 Total Employees To Mexico (60% of money transfers) To 13 Other Latin American Countries (5% of money transfers) To Guatemala (22% of money transfers) Sending Side Receiving Side Mexico (Electra , BanCoppel ) Other Latin American Countries Guatemala ( Banrural , Banco Industrial) Paying Agent Network Sending Agent Network 2 Call Centers (Mexico / Guatemala) 31 Company Stores (U.S.) Phone/Fax Orders Efficient , High Growth Platform To El Salvador and Honduras (13% of money transfers) El Salvador and Honduras (1) World Bank ( 2017). Reflects LAC market size as of 2017. (2) Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail .

7 CONFIDENTIAL | Intermex – Evolution of a Market Leader History of sustained market share growth provides a strong platform for future growth Early Years Expansion • Intermex was founded in 1994 as a money transfer provider headquartered in Miami, Florida • Acquired Servimex, Americana and Maniflo and expanded into 13 new U.S. states • Opened call centers in Mexico and Guatemala • Completed re - engineering and business model shift to focus on efficient agents and profitability • Investment in innovative and highly scalable technology Foundation Inception - 2012 Accelerated Growth 2013 - 2018 • Further market penetration into western and northeastern U.S. • Economic recovery sets in, providing backdrop for market growth • Acceleration of market share gains • Increased proprietary payor network coverage and penetration • Launched differentiated Customer Management platform and loyalty program to capture additional customers • Began developing mobile / online strategy 2009 – 2012 Revenue CAGR: 8% ($ in millions) 2012 – 2018P Revenue CAGR: 24% $55.7 $57.9 $61.9 $70.6 $82.7 $98.3 $124.2 $165.4 $215.5 $261.8 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018P

8 CONFIDENTIAL | Intermex Growth Story Money Transfer Transactions (#) Remittance Volume ($) (# in millions ) ($ in bn ) Total Revenue Adjusted EBITDA (1) ($ in millions ) ($ in millions ) $12.5 $18.8 $27.1 $33.4 $40.8 2014 2015 2016 2017 2018P $98.3 $124.2 $165.4 $215.5 $261.8 2014 2015 2016 2017 2018P $2.7 $3.4 $4.8 $6.8 $8.5 2014 2015 2016 2017 2018P 8.9 11.2 14.7 19.1 23.8 2014 2015 2016 2017 2018P (1) Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail.

9 CONFIDENTIAL | Global Remittance Market (1) The World Bank. “Migration and Remittances Factbook 2016.” (2) The World Bank. “Bilateral Remittance Matrix - 2017” accessed on May 17, 2018 247M $613B USD $148B USD $30B USD people live outside of their country of birth. (1) estimated amount of remittances sent, worldwide in 2017 (2) was sent from the U.S. alone (2) was sent from the U.S. to Mexico in 2017, the largest remittance corridor in the world (2)

10 CONFIDENTIAL | Customer Transaction Flow Illustrative example of $350 transaction to Mexico U.S. Customer sends $350 to Mexico through: • Online money transfers • In person wire transfers • Money orders • CheckDirect System • Telewire Service Agent records $350 transaction to Mexico and charges the customer $360 and provides customer with transaction code . Intermex processes transaction through proprietary platform with an integrated regulatory compliance model and payer network relationships . • Intermex earns $10.00 Fee Revenue plus $2.00 Foreign Exchange Spread Revenue • Intermex pays sending and paying agent commissions $350 is wired to Mexico. Customer picks up money with transaction code in local currency. $ 350 +$ 10 fee $ 350 Intermex earns $ 4.90 net on $ 12.00 gross revenue

11 CONFIDENTIAL | Table of Contents I. Intermex Overview II. Competitive Landscape III. Differentiators IV. Future Growth V. Financial Highlights VI. Appendix

12 CONFIDENTIAL | Favorable, Fragmented Competitive Landscape LAC Market Landscape Intermex enjoys a strong and growing position across key target markets Intermex Share of Key Target Markets (2) Total Market Size: ~$82 Billion (1) LAC Countries - 2017 Mexico Market Share Breakdown 2014 2017 1Q’18 13% 20% 23% (3) 14% 14% 18% 13% 12% 10% 11% 9% 6% 6% All Others 26% 28% 2014 2017 1Q’18 19% 18% 18% 16% 8% 16% 16% (3) 13% 13% 13% 10% 7% 7% All Others 22% 21% Guatemala Market Share Breakdown (1) World Bank ( 2017). Reflects estimated LAC market size as of 2017. (2) Management estimated market share of remittances as of 2017 . (3) Source: Banco de Guatemala and Banco de Mexico – US originating Volume Country Size (US$B) 1 Region MEX 30.6 38% GUA 8.5 10% DOM 6.2 8% COL 5.6 7% ELS 5.1 6% HON 4.3 5% PER 3.0 4% ECU 2.9 4% BRA 2.7 3% JAM 2.5 3% HAI 2.5 3% BER 1.5 2% NIC 1.4 2% BOL 1.3 2% OTHER 3.8 5%

13 CONFIDENTIAL | Mexico Remittance Volume (1 ) Guatemala Remittance Volume (1 ) 7.4% 5.4% 9.2% 6.4% 5.8% 21.3% 29.3% 37.1% 37.6% 21.4% 2014 2015 2016 2017 Q1 2018 8.6% 13.4% 13.9% 14.4% 4.0% 23.2% 24.4% 39.2% 31.5% 17.2% 2014 2015 2016 2017 1Q'18 Intermex YoY % Growth Market YoY % Growth 7.9% 9.7% 12.1% 14.0% 15.4% 18.8% Market Share • Within its core markets of Mexico and Guatemala, Intermex has consistently grown above the market rate of growth and gains meaningful market share • In 2017, Intermex demonstrated strong 38% and 50% growth in its newer markets of El Salvador and Honduras, respectively 21.6% 23.1% 15.7% . (1) Source: Banco de Guatemala and Banco de Mexico – US originating Volume 16.3% Intermex Grows in Excess of the Industry

14 CONFIDENTIAL | Table of Contents I. Intermex Overview II. Competitive Landscape III. Differentiators IV. Future Growth V. Financial Highlights VI. Appendix

15 CONFIDENTIAL | Systematic and Efficient Sales Strategy and Execution Target U.S. ZIP codes with high concentrations of Latin American foreign born residents 1 2 Partner with agent to: • Provide Solutions • Sell Benefits • Complete Business Review • Finalize Commitments 3 Locate and interview agents in target Zip codes that meet Intermex Agent profile. • High transaction volume • Trusted member of community • Strong compliance environment • Credit Worthy Average number of wires per agent 4 1,927 4,306 2011 2012 2013 2014 2015 2016 2017 ~2x lift in productivity since 2011 = concentration of Latin American foreign born residents

16 CONFIDENTIAL | Capture Speed Problem Resolution System Reliability Local Language Loyalty Program Community Member Trust Reliability Differentiators – Deliver Agent and Consumer Value

17 CONFIDENTIAL | 11.2 14.8 19.1 $10.99 $11.13 $11.19 $1.67 $1.84 $1.74 $0.00 $2.00 $4.00 $6.00 $8.00 $10.00 $12.00 $14.00 0.0 5.0 10.0 15.0 20.0 2015 2016 2017 Transactions Revenue / Wire Adj. EBITDA / Wire 2,877 3,105 3,457 4,442 $33.84 $39.65 $47.51 $48.21 $4.36 $6.05 $7.84 $7.51 $0.00 $20.00 $40.00 $60.00 0 1,000 2,000 3,000 4,000 5,000 2014 2015 2016 2017 Agents Revenue / Agent Adj. EBITDA / Agent Per Transaction and Agent Detail Transaction Detail (Transactions in millions) Note: 2015 and 2016 financials are restated to be in accordance with the 2017 audited financial statements. (1) Includes only Money Transfer Service Fees and Foreign Exchange Income. (2) Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail. Agent Detail (Agents in units, $ in thousands) (2) (2) (1) • Revenue and Adjusted EBITDA per transaction has increased from 2015 to present • Average agent productivity has increased in the historical period (1)

18 CONFIDENTIAL | $4.75 $4.85 $5.06 $5.05 21% 29% 37% 38% 7.4% 5.4% 9.2% 6.4% 2014 2015 2016 2017 Gross Margin per Transaction Intermex Volume Growth Industry Growth Intermex sustains strong margins while increasing volume growth to Mexico Intermex Grows in Excess of the Industry Margin Expansion (Mexico) • In 2017 Intermex maintained its margins while the industry grew at a decelerated rate. • Intermex has been able to capture additional market share while increasing strong margins. Source : Banco de Mexico.

19 CONFIDENTIAL | Speed of POS Transactions Repeat sender transactions completed in half the time of most competitors Systems Uptime and Reliability 99.95% historical uptime SLA with 3 - datacenter balancing and auto failover Technical Support Response Time Best - in - class 8 - second answer time, most issues solved in under 5 minutes Processing Capacity and Easy Scalability Capacity to process 10 times current volume, scalable by adding more servers Proprietary Business Software Powerful engine allows granular FX customization and real - time risk analysis Highly Scalable and Industry - Leading Technology Platform

20 CONFIDENTIAL | 3.4% 12.3% 3.0% 20.9% 4.9% 17.5% 4.5% 21.1% Western Union Euronet Moneygram Intermex Revenue Adj. EBITDA 8.0x 7.5x 5.6x 6.9x Western Union Euronet Moneygram Intermex 3.0% 12.2% (0.2%) 25.8% 0.8% 10.1% 4.5% 22.8% Western Union Euronet Moneygram Intermex Revenue Adj. EBITDA Peer Analysis P / E TEV / Adj. EBITDA (1) TEV / Revenue Company Name Ticker Stock Price Market Value Enterprise Value 2018P 2019P 2018P 2019P 2018P 2019P Western Union Co. WU $19.88 $9,321.0 $11,530.1 10.7x 10.2x 8.3x 8.0x 2.0x 2.0x Euronet Worldwide, Inc. EEFT $82.53 $4,407.8 $4,157.2 15.7x 13.7x 8.8x 7.5x 1.6x 1.5x Moneygram International, Inc. MGI $6.87 $381.2 $1,366.0 6.2x 5.4x 6.0x 5.6x 0.8x 0.8x Mean 10.9x 9.8x 7.7x 7.0x 1.5x 1.4x Median 10.7x 10.2x 8.3x 7.5x 1.6x 1.5x 2016 – 2018P CAGR 2017 – 2019P CAGR TEV / 2019P Adj. EBITDA (1) Note: Market data as of 5/11/2018. (1) Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail. (2) Represents Ria, the money transfer business, only. (2) (2) ($ in millions, except per share data)

21 CONFIDENTIAL | Table of Contents I. Intermex Overview II. Competitive Landscape III. Differentiators IV. Future Growth V. Financial Highlights VI. Appendix

22 CONFIDENTIAL | Core Growth Opportunity Intermex has strong organic growth potential in its core business Core growth will be the dominant source of revenue and net income through 2021 15 Stronghold States 18% of Total Market 23% growth rate in 2017 Growth Opportunity in Stronghold States • Increased regional penetration of new agents • Increased share of wallet through loyalty program • Increased share of agent volume ( 15% same store sales growth) 10 Growth States 62% of Total Market 36% growth rate in 2017 27% Intermex’s current share 9% Intermex’s current share Increased Penetration in Growth States • Intermex growth to 25% market share is equivalent to a 55% growth in total Intermex remittance volume

23 CONFIDENTIAL | B2B Processing Opportunity • Productively leverage our 10x excess transaction capacity annually to offer B2B processing • Banks and Businesses with need to move money/information throughout Latin America and the US Grow Mobile and Online Presence • Mobile / Web Based money transfer app launched to consumers in Q1 2017 • Grow business and assist with transition commensurate with Latin American consumers demand and need for mobile transactions • Expand customer base as mobile transacting becomes relevant to Latin American consumers Powerful Intermex Brand • Remittance Industry Observatory (RIO) (1) study of money transfer businesses highlighted Intermex as top rated in customer satisfaction Expand Product Offering • Expand availability and utilization of existing product solutions like Check Direct and Tablets for TG • Execute on existing product pipeline: General Purpose Card, Payroll Services • Design and launch additional products and services that address target market needs Other Growth Vectors We believe these opportunities will begin to contribute meaningful revenue and net income in 2019 and beyond Leverage our platform capacity and ubiquitous MSB Licensing in US Leverage existing base of 3 million unique consumers The assets created by our core organic growth will be leveraged in other products and markets. . (1) 2013 RIO survey of a sample including 2,000 migrants from Latin American and the Caribbean; discussed in April 2016 RIO newsl ett er.

24 CONFIDENTIAL | Table of Contents I. Intermex Overview II. Competitive Landscape and Differentiators III. Future Growth IV. Financial Overview V. Appendix

25 CONFIDENTIAL | 6.1 8.4 $12.5 $18.8 $27.1 $33.4 $40.8 $49.0 2012 2013 2014 2015 2016 2017 2018P 2019P 70.6 82.8 $98.3 $124.2 $165.4 $215.5 $261.8 $315.0 2012 2013 2014 2015 2016 2017 2018P 2019P Strong and Accelerating Financial Performance Intermex has an attractive financial profile with strong momentum • Intermex’s differentiated approach, along with its unique and efficient platform, has allowed the Company to significantly grow scale and profitability • Strong top - line and margin growth demonstrates business scalability and operational leverage • Full year 2017 results demonstrate execution of strategic priorities • Significant market share growth opportunities in West, Midwest and Northeast U.S. send markets, and within existing Latin American receive markets Revenue Adjusted EBITDA ($ in millions) ($ in millions) Note: Please see page 36 for detail on adjustments to EBITDA.

26 CONFIDENTIAL | Summary Financials Adjusted EBITDA reflects add - backs for one - time, non - recurring items. Please see page 36 for more detail . YoY Growth ($ in thousands) 2015 2016 2017 2018P 2019P 2016 2017 2018 2019P Total Revenue $124,114 $165,394 $215,464 $261,828 $314,978 33.3% 30.3% 21.5% 20.3% Total Cost of Sales $81,747 $107,968 $144,887 $179,794 $218,244 32.1% 34.2% 24.1% 21.4% Total Adjusted SG&A $23,512 $30,325 $37,196 $41,205 $47,749 29.0% 22.7% 10.8% 15.9% Adjusted EBITDA $18,855 $27,101 $33,381 $40,830 $48,985 43.7% 23.2% 22.3% 20.0% Net Income (Loss) $5,758 $9,400 ($13,492) ($10,035) $32,330 - 243.5 % NM NM Operating Stats Transactions(#) (thousands) 15,070 19,716 24,035 28,914 30.8% 21.9% 20.3% Transactions Growth Rate (YoY) 31.7% 30.8% 21.9% 20.3% Total Agent Locations (#) 60,736 75,373 92,073 107,500 24.1% 22.2% 16.8% Remittance Volume ($) (millions) $5,090 $6,983 $8,560 $10,487 37.2% 22.6% 22.5%

27 CONFIDENTIAL | Summary Financials – 1Q (unaudited) YoY Growth ($ in millions) 2017 2018 $ Variance % Variance Total Revenue $46.0 $ 56.0 $10.0 21.7% Total Cost of Sales $ 30.2 $ 37.9 $7.7 25.5% Gross Profit $15.9 $18.2 $ 2.3 14.5% Total Adjusted SG&A $ 8.6 $ 9.4 $0.8 9.3% Adjusted EBITDA $7.3 $ 8.8 $ 1.5 20.5% Adjustments Transaction Cost $10.1 $1.4 Stock Based Comp Expense $3.8 $0.2 Other $0.3 $ 0.7 Total Adjustments $ 14.2 $ 2.3 ($ 11.9) - 83.8% EBITDA ($6.9) $6.5 $13.4 - 194.2% Interest expense $ 1.9 $3.3 Depreciation and amortization $3.4 $3.8 Benefit for income taxes ($1.2) ($0.3) Net Income (Loss) ($11.0) ($0.3) $ 10.7 - 97.2%

28 CONFIDENTIAL | ($ in millions) 2015 2016 2017 Cash Flows from Operating Activities: Net Income / (Loss) $5.8 $9.4 ($13.5) Depreciation & Amortization $2.5 $2.5 $17.0 Share - based Compensation 0.1 0.1 4.8 Provision for Bad Debts 0.7 0.9 1.5 Debt Issuance Cost Amortization 0.7 2.7 0.4 Deferred Taxes 4.0 3.7 (1.8) Loss on Disposals of Property & Equipment 0.1 0.2 0.1 Changes in Assets and Liabilities Accounts Receivable ($5.3) ($ 15.9) ($ 25.6) Prepaid Wires (9.6) 0.8 3.7 Other Prepaid Expenses & Assets (0.0) (0.3) (0.9) Wire Transfer & Money Order Payables 1.7 13.8 25.8 Accounts Payable and Accrued Other 4.0 4.6 4.7 Net Cash Flows from Operating Activities $4.5 $22.4 $16.1 Cash Flows from Investing Activities: Purchases of Property & Equipment ($2.1) ($3.0) ($4.6) Net Cash Used in Acquisition $0.0 $0.0 ($0.9) Net Cash Flows from Operating Activities ($2.1) ($3.0) ($5.5) Cash Flows from Financing Activities: Borrowings under Term Loan $35.0 $40.3 $102.0 Borrowings / (Repayments) under Revolving Loan, Net 3.0 (2.0) 10.0 Repayment of Term Loan (9.4) (1.3) (76.2) Debt Issuance Costs (2.8) (2.3) (4.7) Common Dividend Distributions (18.1) (1.3) (20.2) Purchase of Preferred Stock (10.6) 0.0 0.0 Purchase of Common Stock 0.0 (34.0) 0.0 Net Cash Flows from Financing Activities ($3.0) ($0.6) $10.9 Effect of Exchange Rate Changes on Cash ($0.1) ($0.1) $0.1 Net Increase / (Decrease) in Cash ($0.7) $18.7 $21.6 Cash, Beginning of Period $19.6 $18.9 $37.6 Cash, End of Period $18.9 $37.6 $59.2 Statement of Cash Flows Note: 2015 and 2016 financials are restated to be in accordance with the 2017 audited financial statements.

29 CONFIDENTIAL | Balance Sheet ($ in millions) December 31 2016 December 31 2017 December 31 2016 December 31 2017 Assets Liabilities Cash $37.6 $59.2 Current Portion of Long - Term Debt $0.8 $3.9 Accounts Receivable, Net (1) 27.7 51.4 Accounts Payable 5.9 8.9 Prepaid Wires 11.3 7.7 Wire Transfers & Money Orders Payable 21.7 48.3 Other Prepaid Expenses & Current Assets 0.4 0.9 Accrued & Other 9.9 11.5 Total Current Assets $77.1 $119.1 Total Current Liabilities $38.3 $72.6 Property & Equipment, Net $6.2 $8.5 Debt, Net of Current Portion and Debt Issuance Costs $77.2 $107.5 Goodwill 0.0 36.3 Total Long - Term Liabilities $77.2 $107.5 Intangible Assets, Net 6.3 48.7 Deferred Tax Asset, Net 27.8 1.7 Equity $3.3 $35.9 Other Assets 1.2 1.7 Total Liabilities & Equity $118.8 $216.1 Total Assets $118.8 $216.1 Note: December 31, 2016 balance sheet is restated to be in accordance with the 2017 audited financial statements. (1) Net of allowance of $307,562 and $290,801 for 2017 and 2016, respectively.

30 CONFIDENTIAL | Highly Compelling Investment Opportunity Since 2011, Intermex has grown in excess of the industry while sustaining strong margins and increasing transaction growth to Mexico This is driven by our disciplined approach to expansion which focuses on prioritizing agent productivity and consistently growing transactions per agent Our technology infrastructure allows for the dependable transfer of money with one of the lowest cancellation rates in the industry Additional growth opportunities, including the expansion of ancillary products as well as a focus on developing B2B processing relationships and growing our online presence, allow for confidence in continued growth Intermex’s highly differentiated approach, along with its unique and efficient platform , has allowed the Company to significantly grow scale and profitability Core growth opportunity exists in the continued growth in stronghold states while increasing our market share in growth states

31 CONFIDENTIAL | IV. Appendix

32 CONFIDENTIAL | Experienced and Proven Management Team Results - driven management team with 110+ years of combined industry experience • Execution focused management with deep industry experience and operational expertise that has successfully increased scale, expanded the ecosystem and driven growth • Maintain an efficient client and regulatory focused organization with 234 employees in the U.S. and 351 employees in Latin America Years With Company Years In Industry Prior Experience Robert Lisy Chairman and CEO 9 27 Tony Lauro Chief Financial Officer - - Randy Nilsen Chief Sales & Marketing Officer 2 25 Jose Perez - Villarreal Chief Compliance Officer and Chief Administration O fficer 16 23 William Velez Chief Information Officer 4 11 Eduardo Azcarate Chief Business Development Officer 10 18 Michael Creamer SVP of Human Resources 1 1 Brian Hodgdon SVP of Market Strategy & Products 1 16 Bradley Pitts SVP of Marketing & Communications - - /

33 CONFIDENTIAL | Large Industry with Accelerating Growth The LAC remittance market is supported by four key growth drivers • Hispanics represent over 50% of foreign - born residents in the U.S. and are highly concentrated in California, Texas, Florida, and New York • Substantial opportunities exist for continued increases in LAC remittance volume as housing starts grow and wages for foreign - born Hispanics increase • As the number of Hispanic foreign - born workers continues to rise, volumes of remittances sent back to families in LAC countries should increase accordingly Strong Remittance Volume Growth in Intermex ’s Core Markets (1) (1) Banco de Guatemala, Banco de Mexico and World Bank. Represents total remittance volume. $22.7 $26.5 $26.9 $26.0 $22.1 $22.1 $23.6 $23.4 $23.4 $24.8 $26.2 $28.7 $3.1 $3.7 $4.2 $4.5 $4.0 $4.2 $4.5 $5.0 $5.4 $5.8 $6.6 $7.5 $23.1 $28.7 $32.3 $33.9 $30.6 $31.7 $33.5 $33.8 $34.7 $35.7 $37.6 $39.2 $48.9 $58.9 $63.4 $64.4 $56.7 $58.0 $61.6 $62.2 $63.6 $66.4 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 All Other Guatemala Mexico (Total Remittance Volume, $ in billions) 2005 – 2016 CAGR 4.0% 4.9% 8.4% 2.1% Recession Softness $75.4 $70.4

34 CONFIDENTIAL | Superior Compliance Culture Intermex maintains a highly comprehensive, rigorous compliance process Transaction entry at Sending Agent requires completion of mandatory fields and ID requirements Sender and receiver screened against government - required lists (OFAC, etc.) Transaction screened for limit restrictions, velocity levels, structuring, and ID requirements Transaction sent to payer; flagged exceptions sent to Compliance for investigation and release / rejection Intermex Risk and Compliance Tools Key Milestones in the Process • Conduct all compliance checks through the extensive compliance module which is part of our proprietary POS system – “Know Your Customer” due diligence – “Anti - Money Laundering” checks • Strong policies, procedures and internal controls stricter than regulatory requirements Compliance Checks Transaction Monitoring Ongoing Agent Overview • All transactions subject to real - time AML and OFAC screening • Post - transaction analysis to detect, report and prevent suspicious activity • Transactions are instantly flagged when ID verification and source of funds is required • Rigorous Agent oversight performed by compliance field examiners • Comprehensive and ongoing Agent training on regulatory requirements • Enhanced due diligence process for sending and paying Agents

35 CONFIDENTIAL | Note: Graphs show minimal to no impact to business operations. From Irma to Earthquake – Testing Resilience Hurricane Irma • Intermex deployed its Business Continuity Plan (BCP) 3 days before the event • Mexico and Guatemala subsidiaries supported key stakeholders in Miami • Equipment supplied to key personnel (i.e. satellite phones, hotspots and backup laptops) allowed for uninterrupted communications • HQ facilities ran on generator for 5 days • Data and voice circuits were unaffected Mexico Earthquake (Tuesday, Sept 19) • Facilities in Puebla, Mexico were evacuated at 2:14PM EST • Intermex immediately activated its BCP to enable operations center support • Within a 2 - hour period, calls were routed and processes handled as per BCP by Miami and Guatemala backup personnel

36 CONFIDENTIAL | ($ in millions) 2015 2016 2017 Net Income $5.8 $9.4 ($13.5) Interest, Net 4.2 9.5 12.1 Taxes 4.2 4.1 (1.7) Depreciation

& Amortization 2.5 2.5 17.0 EBITDA, As Reported $16.6 $25.6 $13.9 % Margin, As Reported 13.4% 15.5% 6.5% Adjustments Transaction Costs $1.6 $0.9 $12.6 Incentive Units Plan 0.0 0.0 1.8 Change in Control Adjustment for Stock Options 0.0 0.0 2.8 Management Fee 0.0 0.0 0.7 One - Time Adjustment - Bank Fees (1) 0.0 0.0 0.6 One - Time Incentive Bonus 0.0 0.0 0.5 Other Charges and Expenses 0.5 0.6 0.3 Total adjustments $2.1 $1.5 $19.5 Adjusted EBITDA $18.8 $27.1 $33.4 % Margin 15.1% 16.4% 15.5% Adjusted EBITDA Reconciliation – Full Year Note: 2015 and 2016 financials are restated to be in accordance with the 2017 audited financial statements. (1) The bank fee adjustment is a one - time adjustment made at the end of 2017 to switch from a cash to accrual accounting method with respect to bank fees.