‫ م‬12:25 2025/‫‏‬5/‫‏‬26 WuposReceipt

To Send - Customer Receipt

Sender: ZRYAB AHMED AHMED NASSER Receiver: ALI MOHAMMED MOHAMMED ALI MTCN 705-338-5242
AL-SADI
Address/Telephone: Date & Time: 26-05-2025 12:22 PM AST
Mandatory/Optional
ALMNSORAH STERT TO ML , ADEN , 00967, Agent details: YEMEN COMMERCIAL BANK DAMT
YEM,780963250 Country: Egypt OFFICE,BLDG AHMED TAJALDEEN
MAIN ST, NEAR THE ECONOMIC
Optional Services: MONEY IN MINUTES
CORPORATION
Amount Sent: 2,000.00
ID Type: Passport
Transfer Fee: 15.00
ID Number: ******7382 Message Charge:
Delivery Charge:
Test Question: Message: Discount:
Answer: TOTAL: 2,015.00 US Dollar
Exchange Rate: 1.0000000
Sender Mobile Number: *********3250 Receiver Mobile Number: ****5464
Payout Amount: 2,000.00 US Dollar
(If sending to a Mobile) (If sending to a Mobile)
If you choose to provide details of your landline/mobile phone and/or your e-mail in the optional entries above you also expressly consent to receipt of such commercial communications in the indicated
medium(telephone/SMS/MMS/e-mail), to being notified of transfer collection by SMS and agree that any charges imposed by the provider of such services are your sole responsibility.

SPECIAL MESSAGE FOR ZRYAB AHMED AHMED NASSER

Enrolling to the Gold! Card Program

Gold Card Number:

Points Earned:

Thank you for using Western Union. Visit us at anytime on www.westernunion.com/mt

Total Points:
IMPORTANT NOTICE: THE TERMS AND CONDITIONS ON WHICH THE SERVICE IS PROVIDED ARE SET OUT BELOW. YOU ARE ADVISED TO READ THESE TERMS AND CONDITIONS, ESPECIALLY THOSE RESTRICTING LIABILITY
AND DATA PROTECTION, BEFORE SIGNING THIS FORM. IN ADDITION TO THE TRANSFER FEE, WESTERN UNION AND ITS AGENTS ALSO MAKE MONEY FROM THE EXCHANGE OF CURRENCIES. PLEASE SEE FURTHER
IMPORTANT INFORMATION REGARDING CURRENCY EXCHANGE AND LEGAL RESTRICTIONS THAT MAY DELAY THE TRANSACTION SET FORTH BELOW. PROTECT YOURSELF FROM CONSUMER FRAUD. BE CAREFUL WHEN A
STRANGER ASKS YOU TO SEND MONEY. DO NOT DIVULGE THE DETAILS OF THIS TRANSFER TO A THIRD PARTY.
By signing this form, I : 1. Expressly consent to the transfer of my personal data entered above to WU Affiliates located in countries
such as the U.S. for the purpose of providing the money transfer service to me and undertaking the additional data processing activities Customer signature: Agent signature:
specified in the Data Protection section of the terms and conditions. I have the right to withdraw my consent at any time.
2. Expressly consent to the carrying out of profiling activities and marketing communications.
3. Confirm that the information I have provided is correct and that I have read and accepted the terms and conditions of the service
below and the loyalty program terms if applicable. Date:

WESTERN UNION® MONEY TRANSFERSM SERVICE IS PROVIDED ON THE FOLLOWING TERMS AND CONDITIONS
Western Union® Money TransferSM transactions can be sent and picked up at most Western Union® Agent locations worldwide. LIABILITY - WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY GOODS OR
Customers may call the number listed above for the address and hours of nearby locations. Some locations are open 24 hours. SERVICES PAID FOR BY MEANS OF A WESTERN UNION MONEY TRANSFER. THE SENDER'S TRANSACTION
Regular money transfers are usually available within minutes for pick up by the receiver, subject to the opening hours of the DATA IS CONFIDENTIAL TO HIM AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN HIS
receiving Western Union Agent("Agent")location. The Next Day/2 Day and account-based money transfer services are available RECEIVER. THE SENDER IS CAUTIONED AGAINST SENDING MONEY TO ANY PERSON HE DOES NOT KNOW.
upon request to limited countries. The money sent using the Next Day/2 Day money transfer service will be available for IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE IF THE SENDER COMMUNICATES
collection after 24 and 48 hours respectively. Account-based transfers generally take 3 business days, though transfers to mobile TRANSACTIONAL DATA TO ANY PERSON OTHER THAN HIS RECEIVER. IN NO EVENT SHALL WESTERN
wallets are often available within minutes. Delays and other restrictions apply in certain countries. Call the number above for UNION OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES FOR DELAY, NONPAYMENT OR UNDERPAYMENT
details. OF THIS MONEY TRANSFER, OR NON-DELIVERY OF ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY
Money transfers will normally be paid in cash, but some Agents will pay by cheque or a combination of cash and cheque or may NEGLIGENCE ON THE PART OF THEIR EMPLOYEES OR AGENTS OR OTHERWISE, BEYOND THE SUM
offer or the receiver may choose other ways to receive funds and some money transfers may be paid to accounts. All cash EQUIVALENT TO $500 U.S. DOLLARS (IN ADDITION TO REFUNDING THE PRINCIPAL AMOUNT OF THE MONEY
payments are subject to availability, receivers showing documentary evidence of their identity and providing all details about the TRANSFER AND THE TRANSFER FEE). IN NO EVENT WILL WESTERN UNION OR ITS AGENTS BE LIABLE FOR
money transfer required by Western Union, including sender's and receiver's names, country of origin, approximate sum and any ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER
other conditions or requirements applicable at the Agent location, for example the money transfer control number, which is SHALL NOT LIMIT WESTERN UNION'S OR AGENT'S LIABILITY FOR DAMAGES RESULTING FROM WESTERN
mandatory for payout in some countries. The sender authorizes Western Union to honor the receiver's choice of method to UNION'S OR AGENT'S GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT IN THOSE JURISDICTIONS
receive funds even if it differs from the sender's. Cash money transfers shall be paid to the person that Agents deem entitled to WHERE SUCH A LIMITATION OF LIABILITY IS VOID.
receive the transaction after verification of identity often through examination of identification documents. Such payment can be When an Agent accepts a cheque draft, credit or debit card or other non-cash form of payment, neither Western Union
made even when the form filled out by the receiver contains errors. Neither Western Union nor its Agents carry out a comparison nor the Agent assumes any obligation to process or pay the money transfer if the form of payment is uncollectible, nor
of the "To Send Money" form against the "To Receive Money" form to verify the address given for the receiver. In some do they assume any liability for damages resulting from nonpayment of the money transfer by reason of such
destinations the receiver may be required to provide identification, a test question answer or both to receive funds in cash. Test uncollectibility. Western Union reserves the right to change these terms and conditions or the offered service without
questions are not an additional security feature and cannot be used to time or delay the payment of a transaction and are notice. Western Union and its Agents may refuse to provide service to any person.
prohibited in certain countries. DATA PROTECTION - Your personal information is processed under the applicable laws. Your personal information is
Applicable law prohibits money transmitters from doing business with certain individuals and countries. Western Union is controlled by Western Union (whose detailed data is provided at the outset of this document). Western Union uses
required to screen all transactions against lists of names provided by the governments of the countries in which we do business, personal data ("Information") provided in the money transfer instruction, together with other information which is
including the US Treasury Department's Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is collected or generated during the course of your relationship with Western Union, such as transaction and loyalty
identified, Western Union researches the transaction to determine if the name matched is the individual on the relevant list. On program details, transaction history and marketing preferences, for the purposes of providing you with the requested
occasion,customers are required to provide additional identification or information,delaying transactions. This is a legal services (including, among others, for purposes such as administration, customer service, user validation, fraud
requirement for all transactions processed by Western Union (inclusive of transfers that originate and terminate outside of the prevention and product and business development activities). Western Union may also use Information in connection
US). with other services, products, convenience and/or rewards programs, you signed up for with Western Union or its
TRANSFER FEES - Written information explaining how Western Union charges the sender for making a money transfer will affiliates. Western Union will hold and retain information that the sender gives us about another person such as the
either be displayed prominently at the Agent location or shown to the sender prior to completion of the payment order. Unless details of the receiver of the money transfer service (the "Third Party's Information") in order to execute the transaction.
applicable law in the destination country requires otherwise, the sender will bear all fees for the money transfer. In certain cases, The provision of Information and the Third Party's Information is voluntary but necessary (subject to the provisions set
payment of a money transfer may be subject to local taxes and service charges. out in this paragraph) to execute the transaction. Without the relevant information, Western Union is unable to execute
FOREIGN EXCHANGE - Money transfer payments will normally be made in the currency of the destination country (in some the money transfer, facilitate convenience activities or other requested services. Western Union will use the name and
countries payment is available only in U.S. dollars or other alternate currency). In addition to the transfer fee applicable to each address provided above to send you commercial communications by post. Also in accordance with your marketing
transfer and if the currency which the sender presents to an Agent is not the currency to be received by the receiver, all currency preferences, by choosing to enter details in the optional fields, Western Union or its affiliates and business partners
is converted at Western Union's then current rate of exchange. The currency will be converted at the time of transfer and the may send commercial communications regarding Western Unions products and services by phone/email/SMS/MMS to
receiver will receive the foreign currency amount shown on this form. In a few countries local regulations require the currency to the sender. By agreeing to receive communications by phone/SMS/MMS, the sender accepts that any charges
be converted at the time the receiver is paid, in which case the exchange rate and any amounts shown on this form may be imposed on the sender by the network provider for this service are the sender's sole responsibility. If you do not wish to
subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the funds. Western Union receive such communications, please contact Western Union in the manner indicated above.
calculates its rate of exchange based on commercially available interbank rates plus a margin. Most rates of exchange are Western Union will disclose Your Information and Your Third Party Information (together the "Information") to third
adjusted several times daily in line with the relevant closing rate of global financial markets. The exchange rate applied may be parties located in countries such as the US, with whom we have a contractual relationship to protect Information such
less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial as authorized service providers, Agents and other third parties as reasonably required for the purposes indicated in
institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received these Terms and Conditions, and to carry out the money transfer or to facilitate future transactions, or to supplement
by Western Union will be kept by Western Union (and, in some instances, its Agents) in addition to the transfer fees. Additional Information with information from publicly available sources, such as information to validate the accuracy of your
information about exchange rates for specific destination countries can be obtained by calling the number at the top of this form address. This also helps Western Union to understand and improve our product and service offerings. Western Union
or on our website at www.westernunion.com. may also disclose Information to third parties, where reasonably necessary, for the purposes of the prevention and
Sending and receiving in countries that provide payment in multiple currencies: Senders must select the currency of payment at detection of crime, prosecution of offenders, for purposes of national security or when required by law. Western Union
the time the send money transaction is made. The transfer fee and the money Western Union (or its Agents, mobile phone or retains Information, the marketing preferences and transaction history of the sender based on our record retention
account provider) makes when it changes the funds into foreign currency may vary based upon the payment currency selected. schedules for no longer than is necessary for the purposes for which the data were collected and in compliance with
In some countries it is possible to decide to receive the funds in a currency different from the one that the sender selected. applicable laws. If the sender does not perform another transaction within the retention time period, the sender
Western Union (or its Agents, mobile phone or account provider) may make additional money when your funds are converted Information as well as all marketing preferences will be cancelled.
into the currency selected by the receiver. You consent to the Information being transferred to countries such as the United States, but not exclusively, whose
SPECIAL SERVICES privacy laws may be less stringent. The Information will be transferred for the purposes indicated in these Terms and
TELEPHONE NOTIFICATION to the receiver that the money transfer is available for pick up is offered in most countries for an Conditions and to enable Western Union to provide the money transfer service and additional services, products and
additional fee. MESSENGER DELIVERY of a cheque or a bank draft is available in some countries to selected destinations for loyalty or convenience programs and also for internal purposes, such as administering the customer relationship,
an additional fee. SUPPLEMENTAL MESSAGES may be included for an additional fee with money transfers sent to most marketing purposes, compliance with legal requirements, research and customer analytics. The categories of data
countries. transferred are personally identifiable information, contact details and information relating to the money transfer,
SMS - Western Union offers free SMS notification in some countries to indicate that the transaction has been collected by the transaction history, and any other Information supplied by you. This data may be accessed by Western Union affiliates,
receiver (for the sender) or that funds are available for collection (for the receiver). Charges applied by the service provider are as defined by applicable law, including Western Union Payment Services Ireland Ltd, Western Union Payment
the exclusive responsibility of the sender or receiver. Western Union is not responsible for any charges associated with SMS Services UK Limited, Western Union International Limited, and Western Union Financial Services, Inc, MT Payment
messages. If permitted by applicable law, the SMS will be sent to the sender's and/or receiver's mobile number provided at the Services Operations EU/EEA Ltd, MT International Operations Limited, WU Payment Services Network EU/EEA Ltd,
time of the transaction. Western Union will send SMS messages to a gateway for delivery, however delivery is the responsibility for any of the purposes set out in these Terms and Conditions.
of third parties, and cannot be guaranteed. Western Union is not responsible for technical malfunctions that occur outside of its You have a right to access and to ask for a copy of your Information for which Western Union may charge a small sum
proprietary systems. to the extent permitted by applicable law. You may also correct, erase or block Information which is incomplete,
ACCOUNT BASED TRANSFERS - Where available, the receiver may incur additional fees for receiving the sender's funds inaccurate or out-of-date. You may also object at any time on legitimate grounds relating to your particular situation to
through a mobile telephone or to a bank or other account. Transfers should be sent to a local (receiver) currency account, the processing of your Information, where the processing is not required to complete the service, by a law or
otherwise the receiving institution may convert the funds at its own exchange rate or reject the transaction. The receiver's regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from Western
agreement with its mobile phone service, mWallet, bank or other account provider governs the account and determines their Union, please call Western Union using the number above during regular business hours.
rights, liability, fees, funds availability and account limitations. In the event of an inconsistency between the account number CUSTOMER RELATIONS - If you are not satisfied with the service you should telephone the number above. A
(including mobile phone numbers for mobile accounts) and name of the receiver, the transfer will be credited to the account representative will investigate your concerns fairly and will endeavour to do so speedily.
number provided by the sender. Western Union may make money from fees associated with use of an account. Western Union The Western Union Money Transfer Service is provided by Western Union Financial Services, Inc., an American
accepts no responsibility to the sender nor to any account holder for any fees, exchange rates used for conversion to non-local company (for money transfers from the United States, Canada, and Mexico, and for commercial services transactions)
currency, acts or omissions of the destination or intermediary financial service providers. and Western Union International Limited (for all other transactions), an Irish company, through a network of authorised
REFUND - Western Union will refund the principal amount of a money transfer (at the applicable exchange rate described herein Agents and representatives.
in effect at the time the refund is made) upon the written request of the sender if payment to the receiver is not made or credited Copyright 2011 WESTERN UNION HOLDINGS, INC All Rights Reserved
within 45 days. Transfer fee refunds are made upon sender's written request if the money transfer is not available to the receiver
within the time specified for the selected service, subject to the business hours of, and availability of funds at, the location
selected for payment and other conditions, including, without limitation, conditions beyond the control of Western Union or its
Agents, such as inclement weather or telecommunications failure. Transfer fees are not refunded if the transfer is stopped at the
sender's request. Payment of some money transfers may be delayed as a result of the application of United States or other
applicable laws. To the extent allowed by law, Western Union may deduct an administrative charge from money transfers that are
not picked up within one year of the send date.
‫ م‬12:25 2025/‫‏‬5/‫‏‬26 WuposReceipt

To Send - Agent Receipt

Sender: ZRYAB AHMED AHMED NASSER Receiver: ALI MOHAMMED MOHAMMED ALI MTCN 705-338-5242
AL-SADI
Address/Telephone: Date & Time: 26-05-2025 12:22 PM AST
Mandatory/Optional
ALMNSORAH STERT TO ML , ADEN , 00967, Agent details: YEMEN COMMERCIAL BANK DAMT
YEM,780963250 Country: Egypt OFFICE,BLDG AHMED TAJALDEEN
MAIN ST, NEAR THE ECONOMIC
Optional Services: MONEY IN MINUTES
CORPORATION
Amount Sent: 2,000.00
ID Type: Passport
Transfer Fee: 15.00
ID Number: ******7382 Message Charge:
Delivery Charge:
Test Question: Message: Discount:
Answer: TOTAL: 2,015.00 US Dollar
Exchange Rate: 1.0000000
Sender Mobile Number: *********3250 Receiver Mobile Number: ****5464
Payout Amount: 2,000.00 US Dollar
(If sending to a Mobile) (If sending to a Mobile)
If you choose to provide details of your landline/mobile phone and/or your e-mail in the optional entries above you also expressly consent to receipt of such commercial communications in the indicated
medium(telephone/SMS/MMS/e-mail), to being notified of transfer collection by SMS and agree that any charges imposed by the provider of such services are your sole responsibility.

SPECIAL MESSAGE FOR ZRYAB AHMED AHMED NASSER

Enrolling to the Gold! Card Program

Gold Card Number:

Points Earned:

Thank you for using Western Union. Visit us at anytime on www.westernunion.com/mt

Total Points:
IMPORTANT NOTICE: THE TERMS AND CONDITIONS ON WHICH THE SERVICE IS PROVIDED ARE SET OUT BELOW. YOU ARE ADVISED TO READ THESE TERMS AND CONDITIONS, ESPECIALLY THOSE RESTRICTING LIABILITY
AND DATA PROTECTION, BEFORE SIGNING THIS FORM. IN ADDITION TO THE TRANSFER FEE, WESTERN UNION AND ITS AGENTS ALSO MAKE MONEY FROM THE EXCHANGE OF CURRENCIES. PLEASE SEE FURTHER
IMPORTANT INFORMATION REGARDING CURRENCY EXCHANGE AND LEGAL RESTRICTIONS THAT MAY DELAY THE TRANSACTION SET FORTH BELOW. PROTECT YOURSELF FROM CONSUMER FRAUD. BE CAREFUL WHEN A
STRANGER ASKS YOU TO SEND MONEY. DO NOT DIVULGE THE DETAILS OF THIS TRANSFER TO A THIRD PARTY.
By signing this form, I : 1. Expressly consent to the transfer of my personal data entered above to WU Affiliates located in countries
such as the U.S. for the purpose of providing the money transfer service to me and undertaking the additional data processing activities Customer signature: Agent signature:
specified in the Data Protection section of the terms and conditions. I have the right to withdraw my consent at any time.
2. Expressly consent to the carrying out of profiling activities and marketing communications.
3. Confirm that the information I have provided is correct and that I have read and accepted the terms and conditions of the service
below and the loyalty program terms if applicable. Date:
SM
WESTERN UNION® MONEY TRANSFER SERVICE IS PROVIDED ON THE FOLLOWING TERMS AND CONDITIONS
Western Union® Money TransferSM transactions can be sent and picked up at most Western Union® Agent locations worldwide. LIABILITY - WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY GOODS OR
Customers may call the number listed above for the address and hours of nearby locations. Some locations are open 24 hours. SERVICES PAID FOR BY MEANS OF A WESTERN UNION MONEY TRANSFER. THE SENDER'S TRANSACTION
Regular money transfers are usually available within minutes for pick up by the receiver, subject to the opening hours of the DATA IS CONFIDENTIAL TO HIM AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN HIS
receiving Western Union Agent("Agent")location. The Next Day/2 Day and account-based money transfer services are available RECEIVER. THE SENDER IS CAUTIONED AGAINST SENDING MONEY TO ANY PERSON HE DOES NOT KNOW.
upon request to limited countries. The money sent using the Next Day/2 Day money transfer service will be available for IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE IF THE SENDER COMMUNICATES
collection after 24 and 48 hours respectively. Account-based transfers generally take 3 business days, though transfers to mobile TRANSACTIONAL DATA TO ANY PERSON OTHER THAN HIS RECEIVER. IN NO EVENT SHALL WESTERN
wallets are often available within minutes. Delays and other restrictions apply in certain countries. Call the number above for UNION OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES FOR DELAY, NONPAYMENT OR UNDERPAYMENT
details. OF THIS MONEY TRANSFER, OR NON-DELIVERY OF ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY
Money transfers will normally be paid in cash, but some Agents will pay by cheque or a combination of cash and cheque or may NEGLIGENCE ON THE PART OF THEIR EMPLOYEES OR AGENTS OR OTHERWISE, BEYOND THE SUM
offer or the receiver may choose other ways to receive funds and some money transfers may be paid to accounts. All cash EQUIVALENT TO $500 U.S. DOLLARS (IN ADDITION TO REFUNDING THE PRINCIPAL AMOUNT OF THE MONEY
payments are subject to availability, receivers showing documentary evidence of their identity and providing all details about the TRANSFER AND THE TRANSFER FEE). IN NO EVENT WILL WESTERN UNION OR ITS AGENTS BE LIABLE FOR
money transfer required by Western Union, including sender's and receiver's names, country of origin, approximate sum and any ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER
other conditions or requirements applicable at the Agent location, for example the money transfer control number, which is SHALL NOT LIMIT WESTERN UNION'S OR AGENT'S LIABILITY FOR DAMAGES RESULTING FROM WESTERN
mandatory for payout in some countries. The sender authorizes Western Union to honor the receiver's choice of method to UNION'S OR AGENT'S GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT IN THOSE JURISDICTIONS
receive funds even if it differs from the sender's. Cash money transfers shall be paid to the person that Agents deem entitled to WHERE SUCH A LIMITATION OF LIABILITY IS VOID.
receive the transaction after verification of identity often through examination of identification documents. Such payment can be When an Agent accepts a cheque draft, credit or debit card or other non-cash form of payment, neither Western Union
made even when the form filled out by the receiver contains errors. Neither Western Union nor its Agents carry out a comparison nor the Agent assumes any obligation to process or pay the money transfer if the form of payment is uncollectible, nor
of the "To Send Money" form against the "To Receive Money" form to verify the address given for the receiver. In some do they assume any liability for damages resulting from nonpayment of the money transfer by reason of such
destinations the receiver may be required to provide identification, a test question answer or both to receive funds in cash. Test uncollectibility. Western Union reserves the right to change these terms and conditions or the offered service without
questions are not an additional security feature and cannot be used to time or delay the payment of a transaction and are notice. Western Union and its Agents may refuse to provide service to any person.
prohibited in certain countries. DATA PROTECTION - Your personal information is processed under the applicable laws. Your personal information is
Applicable law prohibits money transmitters from doing business with certain individuals and countries. Western Union is controlled by Western Union (whose detailed data is provided at the outset of this document). Western Union uses
required to screen all transactions against lists of names provided by the governments of the countries in which we do business, personal data ("Information") provided in the money transfer instruction, together with other information which is
including the US Treasury Department's Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is collected or generated during the course of your relationship with Western Union, such as transaction and loyalty
identified, Western Union researches the transaction to determine if the name matched is the individual on the relevant list. On program details, transaction history and marketing preferences, for the purposes of providing you with the requested
occasion,customers are required to provide additional identification or information,delaying transactions. This is a legal services (including, among others, for purposes such as administration, customer service, user validation, fraud
requirement for all transactions processed by Western Union (inclusive of transfers that originate and terminate outside of the prevention and product and business development activities). Western Union may also use Information in connection
US). with other services, products, convenience and/or rewards programs, you signed up for with Western Union or its
TRANSFER FEES - Written information explaining how Western Union charges the sender for making a money transfer will affiliates. Western Union will hold and retain information that the sender gives us about another person such as the
either be displayed prominently at the Agent location or shown to the sender prior to completion of the payment order. Unless details of the receiver of the money transfer service (the "Third Party's Information") in order to execute the transaction.
applicable law in the destination country requires otherwise, the sender will bear all fees for the money transfer. In certain cases, The provision of Information and the Third Party's Information is voluntary but necessary (subject to the provisions set
payment of a money transfer may be subject to local taxes and service charges. out in this paragraph) to execute the transaction. Without the relevant information, Western Union is unable to execute
FOREIGN EXCHANGE - Money transfer payments will normally be made in the currency of the destination country (in some the money transfer, facilitate convenience activities or other requested services. Western Union will use the name and
countries payment is available only in U.S. dollars or other alternate currency). In addition to the transfer fee applicable to each address provided above to send you commercial communications by post. Also in accordance with your marketing
transfer and if the currency which the sender presents to an Agent is not the currency to be received by the receiver, all currency preferences, by choosing to enter details in the optional fields, Western Union or its affiliates and business partners
is converted at Western Union's then current rate of exchange. The currency will be converted at the time of transfer and the may send commercial communications regarding Western Unions products and services by phone/email/SMS/MMS to
receiver will receive the foreign currency amount shown on this form. In a few countries local regulations require the currency to the sender. By agreeing to receive communications by phone/SMS/MMS, the sender accepts that any charges
be converted at the time the receiver is paid, in which case the exchange rate and any amounts shown on this form may be imposed on the sender by the network provider for this service are the sender's sole responsibility. If you do not wish to
subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the funds. Western Union receive such communications, please contact Western Union in the manner indicated above.
calculates its rate of exchange based on commercially available interbank rates plus a margin. Most rates of exchange are Western Union will disclose Your Information and Your Third Party Information (together the "Information") to third
adjusted several times daily in line with the relevant closing rate of global financial markets. The exchange rate applied may be parties located in countries such as the US, with whom we have a contractual relationship to protect Information such
less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial as authorized service providers, Agents and other third parties as reasonably required for the purposes indicated in
institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received these Terms and Conditions, and to carry out the money transfer or to facilitate future transactions, or to supplement
by Western Union will be kept by Western Union (and, in some instances, its Agents) in addition to the transfer fees. Additional Information with information from publicly available sources, such as information to validate the accuracy of your
information about exchange rates for specific destination countries can be obtained by calling the number at the top of this form address. This also helps Western Union to understand and improve our product and service offerings. Western Union
or on our website at www.westernunion.com. may also disclose Information to third parties, where reasonably necessary, for the purposes of the prevention and
Sending and receiving in countries that provide payment in multiple currencies: Senders must select the currency of payment at detection of crime, prosecution of offenders, for purposes of national security or when required by law. Western Union
the time the send money transaction is made. The transfer fee and the money Western Union (or its Agents, mobile phone or retains Information, the marketing preferences and transaction history of the sender based on our record retention
account provider) makes when it changes the funds into foreign currency may vary based upon the payment currency selected. schedules for no longer than is necessary for the purposes for which the data were collected and in compliance with
In some countries it is possible to decide to receive the funds in a currency different from the one that the sender selected. applicable laws. If the sender does not perform another transaction within the retention time period, the sender
Western Union (or its Agents, mobile phone or account provider) may make additional money when your funds are converted Information as well as all marketing preferences will be cancelled.
into the currency selected by the receiver. You consent to the Information being transferred to countries such as the United States, but not exclusively, whose
SPECIAL SERVICES privacy laws may be less stringent. The Information will be transferred for the purposes indicated in these Terms and
TELEPHONE NOTIFICATION to the receiver that the money transfer is available for pick up is offered in most countries for an Conditions and to enable Western Union to provide the money transfer service and additional services, products and
additional fee. MESSENGER DELIVERY of a cheque or a bank draft is available in some countries to selected destinations for loyalty or convenience programs and also for internal purposes, such as administering the customer relationship,
an additional fee. SUPPLEMENTAL MESSAGES may be included for an additional fee with money transfers sent to most marketing purposes, compliance with legal requirements, research and customer analytics. The categories of data
countries. transferred are personally identifiable information, contact details and information relating to the money transfer,
SMS - Western Union offers free SMS notification in some countries to indicate that the transaction has been collected by the transaction history, and any other Information supplied by you. This data may be accessed by Western Union affiliates,
receiver (for the sender) or that funds are available for collection (for the receiver). Charges applied by the service provider are as defined by applicable law, including Western Union Payment Services Ireland Ltd, Western Union Payment
the exclusive responsibility of the sender or receiver. Western Union is not responsible for any charges associated with SMS Services UK Limited, Western Union International Limited, and Western Union Financial Services, Inc, MT Payment
messages. If permitted by applicable law, the SMS will be sent to the sender's and/or receiver's mobile number provided at the Services Operations EU/EEA Ltd, MT International Operations Limited, WU Payment Services Network EU/EEA Ltd,
time of the transaction. Western Union will send SMS messages to a gateway for delivery, however delivery is the responsibility for any of the purposes set out in these Terms and Conditions.
of third parties, and cannot be guaranteed. Western Union is not responsible for technical malfunctions that occur outside of its You have a right to access and to ask for a copy of your Information for which Western Union may charge a small sum
proprietary systems. to the extent permitted by applicable law. You may also correct, erase or block Information which is incomplete,
ACCOUNT BASED TRANSFERS - Where available, the receiver may incur additional fees for receiving the sender's funds inaccurate or out-of-date. You may also object at any time on legitimate grounds relating to your particular situation to
through a mobile telephone or to a bank or other account. Transfers should be sent to a local (receiver) currency account, the processing of your Information, where the processing is not required to complete the service, by a law or
otherwise the receiving institution may convert the funds at its own exchange rate or reject the transaction. The receiver's regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from Western
agreement with its mobile phone service, mWallet, bank or other account provider governs the account and determines their Union, please call Western Union using the number above during regular business hours.
rights, liability, fees, funds availability and account limitations. In the event of an inconsistency between the account number CUSTOMER RELATIONS - If you are not satisfied with the service you should telephone the number above. A
(including mobile phone numbers for mobile accounts) and name of the receiver, the transfer will be credited to the account representative will investigate your concerns fairly and will endeavour to do so speedily.
number provided by the sender. Western Union may make money from fees associated with use of an account. Western Union The Western Union Money Transfer Service is provided by Western Union Financial Services, Inc., an American
accepts no responsibility to the sender nor to any account holder for any fees, exchange rates used for conversion to non-local company (for money transfers from the United States, Canada, and Mexico, and for commercial services transactions)
currency, acts or omissions of the destination or intermediary financial service providers. and Western Union International Limited (for all other transactions), an Irish company, through a network of authorised
REFUND - Western Union will refund the principal amount of a money transfer (at the applicable exchange rate described herein Agents and representatives.
in effect at the time the refund is made) upon the written request of the sender if payment to the receiver is not made or credited Copyright 2011 WESTERN UNION HOLDINGS, INC All Rights Reserved
within 45 days. Transfer fee refunds are made upon sender's written request if the money transfer is not available to the receiver
within the time specified for the selected service, subject to the business hours of, and availability of funds at, the location
selected for payment and other conditions, including, without limitation, conditions beyond the control of Western Union or its
Agents, such as inclement weather or telecommunications failure. Transfer fees are not refunded if the transfer is stopped at the
sender's request. Payment of some money transfers may be delayed as a result of the application of United States or other
applicable laws. To the extent allowed by law, Western Union may deduct an administrative charge from money transfers that are
not picked up within one year of the send date.