WESTERN UNION® 匯款服務條款及細則

你將根據本匯款條件及細則（ 下稱「條款」）與獲 Western Union 授權的子公司（各自稱為 「Western Union 實體」或統稱 「Western Union 實體」）或獲授權的合作夥伴、代表或代理點（下稱 「合作夥伴」）（「我們」 或「我們的」是指適用的 Western Union 實體及/或合作夥伴）簽訂協議，其根據授權在你發起交易的國家/地區（下稱「匯款國家/地區」）與 Western Union 實體合作為你提供我們的服務。你正在向一家/或多家 Western Union 實體或合作夥伴申請我們的服務。你可在附錄 A – 國家/地區特定條款或你的收據中找到其詳情。你可在附錄 A – 國家/地區特定條款中找到按匯款國家/地區適用於你的任何不同或附加條款（如有）。我們亦提供這些條款未涵蓋的其他金融服務（例如電子錢包服務）。如要使用這些其他金融服務，你可能還必須同意適用於特定服務的附加條款及細則。

A 部分：簡介

這些條款適用於下文定義的「我們的服務」。使用我們的服務，即表示你確認你接受及同意遵守這些條款。如果你不同意這些條款，你可能無法使用我們的服務。我們建議你列印或儲存這些條款的副本以供日後參考。

我們可能隨時修改或停止全部或部分服務（包括透過任何第三方連結存取）；收取、修改或豁免與服務相關的某些費用；或向部分或全部使用者提供服務或某些服務，且不承擔任何責任。

I. 定義術語

下列術語應具有下述含義。任何附加定義的術語將在適用章節以括號列出。這些條款中帶下劃線的詞語包含提供更多資訊的超連結。

「銀行卡」是指扣賬卡或預付卡，以及適用的信用卡（例如 Visa 或萬事達卡）。

「支付賬單」是指在部分國家/地區提供的一項服務，允許顧客安排、管理和支付各種賬單。

「發卡機構」是指銀行卡的發卡機構和所有者。

「地點」是指你可以向我們匯款和收款的地方，或在某些國家/地區親自支付賬單的地方。這包括銀行、超級市場、金融機構、郵局、售貨亭和其他零售商等各種場所。

「流動應用程式」是指我們為消費者提供的流動應用程式以便使用服務。

「收款人」是指匯款人指定收取款項的收款人，包括賬單支付服務的賬單收款人。

「匯款人」是指透過我們的服務發起匯款或支付賬單的人士。

「服務」是指這些條款 B (I.) 部分規定的金融服務。

「電話匯款」是指一項服務，即消費者透過致電指定的電話號碼發起匯款，通常是與客戶服務代表通話或使用自動系統。

「交易」是指由匯款人發起的匯款，並在收到匯款人的有效付款後，使用我們的服務為匯款人匯款。

「交易日期」是指你透過我們的服務發起匯款或支付賬單，且你的申請獲授權並提交供處理的日期。

「網站」是指我們營運以提供我們的服務的網站。

「你」或「你的」是指以匯款人身分使用我們的服務的任何人士。

B 部分：一般服務條款

I. 我們的服務

1. 一般條款 我們的服務包括國際和國內匯款和支付賬單服務（在法律允許和可用的情況下）。每筆交易都有一個單獨的匯款編號，即 MTCN。

2. 符合資格的使用者 要使用服務，你必須 (i) 符合最低年齡要求，及 (ii) 根據適用法律，具有在匯款國家/地區與我們簽訂具有約束力協議的法律能力。收款人必須符合收款人國家/地區的最低年齡要求。

3. 匯款 當你提供必要的資料和文件並接受這些條款匯款時，即你指示我們完成特定的交易。每筆交易都是你與我們之間的單獨協議，僅用於該筆匯款。我們沒有義務根據本協議處理任何未來的匯款。

4. 存取服務 服務透過地點、網站、流動應用程式或電話匯款服務提供。如果你透過流動裝置或電話存取服務，你的無線服務電訊商或流動網絡營運商可能會收取標準費用、數據費率和其他費用。

II. 費用和付款

1. 匯款費用在使用服務方面，你同意根據當時生效的適用費率為每一筆由你發起的匯款向我們支付費用（下稱「匯款費」）以及任何適用的稅項。適用於你的匯款之匯款費，將於你的交易最終授權前，連同任何額外服務的費用及適用的稅項向你提供。在部分情況下，或須就支付收款人的匯款繳付當地稅項和服務費用。

2. 外匯除了匯款費之外，我們亦將從你的貨幣兌換至外幣中獲益。 國際匯款通常以目的地國家/地區允許的一種或多種貨幣支付。如果交易需要將你的貨幣兌換至其他貨幣，則兌換將按照你最終授權匯款之前顯示或與你分享的適用即時匯率兌換。貨幣將在匯款時兌換，收款人將收到所示的外幣金額。消費者匯率是透過在批發市場上向我們提供的銀行同業利率加上一定的利率設定。匯率根據全球金融市場每天變動數次。我們保留我們收到的匯率與你收到的匯率之間的任何差額。適用的匯款費和匯率可能會根據所選的付款貨幣而有所不同。如需了解即時貨幣匯率，請瀏覽我們的網站或使用下列的聯絡資料與我們聯絡。

部分國家/地區的當地法律要求在向收款人付款時兌換貨幣。如屬這種情況，則匯率及向你顯示或分享的任何金額可能會在你匯款時和收款人收款時受到匯率波動的影響。

部分國家/地區允許以多種貨幣向收款人付款。如屬這種情況，你必須在交易時選擇付款貨幣。部分國家/地區允許收款人按有別於你選擇的貨幣收取付款。在此情況下，此交易可能被視為另一筆交易，當將你的款項兌換為收款人選擇的貨幣時，我們可能會從中獲得額外收益。

3. 短訊通知及費用 可以透過 SMS（短訊服務）通知你和/或你的收款人有關你的交易的重要詳情。流動網絡營運商收取的費用是匯款人或收款人的專屬責任。就與短訊相關的任何費用，我們概不負責。視乎適用法律而定，短訊將發送至匯款人和/或收款人於交易時提供的流動電話號碼。

4. 使用賬戶你可以從銀行帳戶、銀行卡、電子錢包、賬單收款人或其他類型的賬戶（下稱「賬戶」）匯款或收款。賬戶由銀行或其他提供者（下稱「賬戶提供者」）提供，他們可能會向你收取額外費用。在使用賬戶時，你必須遵守與賬戶提供者的協議。就賬戶提供者收取的任何費用或造成的問題，我們概不負責。如你使用與你的賬戶不同的貨幣匯款或收款，賬戶提供者可能會按照自己的匯率更改貨幣或拒絕匯款。我們只接受付款並匯款至用於個人目的而非商業目的之賬戶。透過提供交易指示，你確認相關賬戶僅供個人使用。我們可能會使用不同的方法來處理賬戶的匯款。如你向我們提供錯誤的賬戶號碼或其他賬戶資料，我們將匯款至你向我們提供的賬戶號碼。就由賬戶提供者或你所造成的任何錯誤，我們概不負責。我們可能會向你收取使用賬戶的額外費用，我們會在你匯款前通知你相關費用。

透過從賬戶發起的交易，你 (i) 確認你是賬戶的持有人，並有權發起交易，及 (ii) 授權我們向你的賬戶發起電子扣賬和/或入賬，或在交易無法完成時處理和糾正錯誤。

若發生以下情況，我們概不負責：(1) 你的賬戶沒有足夠的可用資金；(2) 你的賬戶已關閉或提款受到限制；(3) 交易超出我們或你的賬戶提供者規定的金額或次數限制；(4) 發生超出我們控制範圍的情況（例如洪水、火災、停電、機械或系統故障）；(5) 你的賬戶提供者不履行交易、交易未獲受理或交易被你的賬戶提供者退回；(6) 你傳輸給我們的指示不完整、不正確、遺失或延遲；(7) 由於合理的安全問題，我們無法處理你的交易，或服務選項已停止或暫停，或我們以其他方式通知你，你的交易將不會受理；及 (8) 法律允許的其他例外情況。

5. 付款選項 你同意你將為你透過我們的服務所發起的每筆交易向我們支付匯款費和其他適用費用。付款方法因你的匯款國家/地區而有所不同。你可以使用匯款國家/地區授權的銀行卡或透過其他適用的付款方法支付服務費用。你亦可以在地點以現金支付或使用其他可用的付款方法。我們將於總應付款項付清後處理交易。如你使用銀行卡付款，而我們未收到銀行卡發卡機構（或你的賬戶提供者，如果是自動結算所（下稱「ACH」）的情況，或透過付款編號結算的款項）授權，則匯交易將不會受理，也不會向收款人匯款。每次你使用銀行卡或 ACH 支付服務費用時，你同意我們有權從你指定的銀行卡或適用賬戶中扣除應付總額（包括本金、匯款費、與匯率相關的費用及任何其他適用的費用或稅項）。

III. 支付交易金額

1. 支付方法 我們為收款人提供多種收款方法，包括但不限於在指定地點以現金收款、直接存入扣賬卡、銀行賬戶或電子錢包（如適用）。在某些國家/地區，收款人可以選擇有別於匯款人選擇的方法收款，或選擇更改支付貨幣。匯款人授權我們尊重收款人選擇的收款方法或支付貨幣，即使其與匯款人的指示不同。所有付款方法均取決於收款人所在國家/地區和地點有否提供。

2. 識別你的收款人 為了確定在某個地點收取現金的人士是你預期的收款人，你的收款人應準備出示其全名、身分證明文件、你的姓名、MTCN 和大約的匯款金額。在某些國家/地區，你可以選擇新增測試問題。如果你選擇了新增測試問題，請將向你的收款人提供問題的答案。我們亦可能會要求收款人提供其他資料。根據收款人提供的資料和文件，我們將向我們認為有權收款的人士支付交易金額。我們不會核實收款人地址詳情。即使你提供的姓名和收款人身分證明文件上的姓名有些微差別，我們仍可能向收款人付款（但如果姓名不同，我們沒有義務付款）。如果我們認為所提供的資料不足，我們將拒絕付款，並且向你退回匯款。就發送至銀行賬戶或電子錢包的交易，我們會將款項匯入你指定的賬戶。如果賬戶號碼持有人（包括你提供用於識別收款人賬戶的手機號碼或其他資料）與預期收款人的姓名不一，則會匯款至你提供的賬戶號碼。請核對你提供的號碼準確無誤，因我們會根據該號碼匯款。

IV. 限制

1. 適用情況 服務是否適用可能因國家/地區和司法管轄區而有所不同，並且可能會變更。多種因素會影響服務是否適用，包括所選的特定服務、任何延遲交付選項、適用於每項服務的特別條款、匯款金額、目的地國家/地區、可供選擇的貨幣、監管或消費者保護問題、識別要求、交付限制、地點營業時間及不同時區。

2. 禁止的人士或交易 根據法律要求，我們被禁止與某些人士或在某些國家/地區開展業務，並且我們會根據受美國、歐盟及英國等各國政府實體制裁的指定人士名單來篩選交易。如果你或你的收款人與該名單相符，我們將要求你提供更多資料，以驗證你或你的收款人的身分並非該名單所指的人。這可能包括出生地點和日期及身分證明文件。交易將因確定是否與名單相符而延遲。我們可能需要依法凍結你的資金。

3. 允許使用 如果你發起或試圖發起任何違反這些條款或我們的政策（包括旨在防止欺詐、洗錢或資助恐怖主義的政策）的交易，或你有欺詐意圖或故意或因重大過失行為導致匯款資料被濫用，我們可能會拒絕向你提供部分或全部服務；並且我們有權行使我們在本條款中保留的任何權利；及/或向相關執法機構報告該筆交易，及/或因任何未經授權的交易向你索償所有損失和損害。具體而言，請勿使用我們的服務違反任何法律，包括但不限於： (i) 資助恐怖主義， (ii) 洗錢， (iii) 支付電話推銷員（僅限美國）， (iii) 購買煙草產品或 (iv) 進行任何犯罪活動，包括詐欺、竊盜或非法賭博。我們不是託管服務供應商。請勿使用服務來託管資金。如果我們因上述任何原因拒絕向你提供我們的服務（部分或全部），我們將盡可能通知你並說明拒絕的原因，除非我們因法律或安全原因而無法通知你。透過使用我們的服務，你證明你和你的收款人是合法及獲允許使用，並且不違反這些條款。

V. 私隱

我們重視保護你的私隱。請查看 Western Union 全球私隱聲明，以深入了解我們對維護你的私隱的承諾，以及我們如何使用和披露你的資料。

VI. 責任限制

除非當地法律禁止，否則，我們不會就因員工或合作夥伴的疏忽或其他原因引致的延誤造成的損害、拒付或少付匯款或未傳達任何追加訊息而負責，亦不承擔超過 500 美元賠償的責任（退還匯款本金和匯款費除外）。我們不會就任何間接、特殊、偶發或連帶損害負責。雖然有上述免責聲明，我們不會對任何不可由法律免除的條件或保證排除責任，包括任何暗示我們將謹慎而專業地提供服務的保證。除非當地法律禁止，否則，我們違反此等條件或保證的責任，應限於再次提供受影響服務的成本或相當於 500 美元，以較高者為準。

根據當地法律，你可能擁有額外的權利，包括律師費和解決糾紛的費用，你可能希望了解這些權利。

我們不會就以我們匯款服務付款購買的商品或服務的送遞或合適程度作保證。

VII. 投訴、適用法律、爭議

1. 法律選擇及爭議解決 這些條款和任何交易均受匯款國家/地區的法律管轄。根據這些條款或與任何交易有關的任何爭議均可由匯款人向該國家/地區的法院或其他公認的爭議解決機構提出訴訟，包括將此事提交獨立組織或監察員解決。如這些條款與適用法律有任何衝突，則以適用法律為準。

2. 投訴如果你對我們的服務有任何投訴，包括退款，請瀏覽我們的客戶服務專頁，你可以找到你所在國家/地區的所有詳情和聯絡資料。如需額外資料，我們可能會與你聯絡。我們將徹底調查此事並給予詳盡回覆。

VIII. 賠償

就你濫用服務、違反這些條款或任何法律、或侵犯任何第三方權利而導致任何第三方提出的任何索償或要求（包括合理的律師費），你同意賠償並使我們、我們的供應商、廠商、服務提供者及其各自的子公司、附屬公司、管理人員、董事、代理人、合作夥伴、員工和顧問免受損害。

IX. 取消並退款

根據適用法律，你可以取消交易並獲得退款，除非我們收到你的書面要求時資金已被提取或存入。在原有交易發起日期 30 天內收到的退款申請將符合資格獲退回匯款金額和已支付的費用。在原有交易發起日期 30 天後提出的退款申請，將僅有權獲退回匯款金額。如果我們已收取稅項，則會退還稅項，除非法律或當地慣例另有要求。

X. 客戶服務

如果你發現錯誤或遇到我們的服務問題，或你對我們的服務不滿，請瀏覽我們的客戶服務專頁。我們的代表將公正、及時調查你的疑慮。

XI. 其他資訊

1. 轉讓 根據適用法律，我們可以在未經您同意的情況下將這些條款轉讓給第三方。

2. 完整協議 這些條款構成你與我們之間的完整協議，並取代你與我們之間可能存在的任何先前協議。

3. 語言 為了方便，這些條款可能以多種語言提供。如果出現任何差異，則根據適用法律，以英文版本為準。

4. 不獲豁免 即使其中一項或多項條款無效、不合法或不可執行，這些條款仍然適用。其餘條款的有效性不受影響。

5. 不可抗力 如因我們無法合理控制的情況而未能履行服務或延遲履行服務，包括但不限於：適用法律的變更、所需的實體和網絡基礎設施關閉或不可使用、主權違約、電力或互聯網故障、內亂、戰爭、地震、火災、洪水或其他自然災害，我們概不承擔任何責任。

6. 可分割性 如這些條款的任何部分被有司法管轄權的法院認定為無效、不合法或不可執行，則該部分應與本條款的其餘部分分割，而其餘部分在法律允許的最大範圍內繼續有效並可執行。

7. 其他條款 這些條款可能會補充適用於推廣、推薦計劃的條款，以及根據你使用我們的其他產品和服務的其他適用條款。如果確定這些條款中的任何一項與這些條款相衝突，則以這些條款為準。

附錄 A – 國家/地區特定條款

歐盟國家（奧地利、塞浦路斯、捷克共和國、希臘和馬爾他除外）	密克羅尼西亞聯邦	馬爾他	新加坡
歐洲經濟區國家、英國和土耳其	喬治亞	馬紹爾群島	塞爾維亞
阿富汗	希臘	墨西哥	所羅門群島
阿爾巴尼亞	格陵蘭	摩爾多瓦	南蘇丹
美屬薩摩亞	關島	蒙古	斯里蘭卡
安道爾	中國香港	蒙特內格魯	蘇丹
阿根廷	冰島	緬甸	瑞士
澳洲	印度	尼泊爾	敘利亞
奧地利	印尼	新西蘭	中國台灣
阿塞拜疆	萌島	尼日利亞	塔吉克斯坦
巴林	伊拉克	紐埃	泰國
孟加拉	日本	北馬利安納群島	湯加
不丹	約旦	挪威	土耳其
波斯尼亞和黑塞哥維那	哈薩克	阿曼	土庫曼斯坦
巴西	韓國	巴基斯坦	圖瓦盧
汶萊	科索沃	帛琉	烏克蘭
柬埔寨	科威特	巴勒斯坦	阿聯酋
中國	吉爾吉斯	巴拿馬	英國
智利	老撾	巴布亞新畿內亞	烏茲別克斯坦
庫克群島	黎巴嫩	秘魯	瓦努阿圖
塞浦路斯	列支敦斯登	菲律賓	越南
捷克共和國	澳門	波多黎各	也門
丹麥（法羅群島）	馬其頓	卡塔爾
東帝汶	馬來西亞	沙地阿拉伯
埃及	馬爾代夫	薩摩亞

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
EU Countries (except Austria, Cyprus, Czech Republic, Greece and Malta)	For all money transfers (except those performed on wu.com web/app): Western Union Payment Services Ireland Limited For money transfers performed on wu.com web/app: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075 (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office. 2.2. For money transfers performed on wu.com web/app: (i) Regulator. Financial Market Authority (“FMA”). (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
EEA Countries, UK and Turkey		New provision for Part B, Section I: 5. Delivery Time. Subject to the terms of this Agreement and Service selected, You acknowledge that We will use reasonable skill and care to execute the Transactions within the following timelines after receiving Your payment for our Services: (1) For Transactions with payout at a location: (i) typically in minutes; (ii) As otherwise notified to You at the time of Transaction (which may occur within hours of receiving Your payment); or (iii) As soon as our Partners and payment networks allow. (2) For Transactions with payout to account: (i) for payouts to digital wallets, typically in real time or within 15 minutes; (ii) for payouts to non-digital bank accounts, typically by the end of the next business day and no later than the end of the fourth business day. If We receive Your payment outside of business hours, the Transaction may be processed on the next business day. Exceeding amount limitations, regulatory restrictions, or other restrictions in certain countries may delay Transactions.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Afganistan	Western Union Network (Ireland) Ltd

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Albania	Union Financiar Tirane, in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Bank of Albania

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
American Samoa	Western Union Financial Services, Inc., Western Union International Services, LLC

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Andorra	Sociedad Estatal Correos y Telégrafos, S.A.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Argentina	Western Union Financial Services Argentina S.R.L.	The following provision supplements Part B, Section I, Subsection 1: Part B I. OUR SERVICES 1.General. We may offer the Services nationally and internationally. Each money transfer is given an individual transaction number, the MTCN. Our Services include international and domestic transfer of money. The following provision supplements Part B, Section II, Subsection 2: Part B II.FEES AND PAYMENT 2. FOREIGN CURRENCY. Money transfers are normally paid in the currency of the destination country (in some countries, payment is available in U.S. dollars or some other alternative currency). The conversion of the money sent into the currency of the destination country will be made by the remitting agent, at the exchange rate in effect in the destination country at the time the funds are sent by the sender. IT IS EXPRESSLY STATED THAT WESTERN UNION ARGENTINA DOES NOT CARRY OUT EXCHANGE OPERATIONS IN THE REPUBLIC OF ARGENTINA. For more information on exchange rates for destination countries, please contact the number at the bottom of these Terms and Conditions. Such information is indicative only, since Western Union Argentina is not in charge of any exchange operation in the Republic of Argentina.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Australia	Network of authorised Partners in conjunction with Western Union Financial Services (Australia) Pty. Ltd.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Austria	For all money transfers (except those performed on wu.com web/app and Erste Bank): Western Union Payment Services Ireland Limited For money transfers performed on wu.com web/app and Erste Bank: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app and Erste Bank): (i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075. (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/at or call us on 0800 297 579 or send an email to austria.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office. 2.1. For money transfers performed on wu.com web/app and Erste Bank: (i) Regulator. Financial Market Authority (“”FMA””). (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/at or call us on 0800 297 579 or send an email to austria.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Azerbaijan	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. Regulator. Central Bank of Azerbaijan.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Bahrain	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Bangladesh	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Bhutan	Bhutan Postal Corporation

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Bosnia & Herzegovina	Network of licensed and authorised Partners in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Central Bank of Bosnia and Herzegovina.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Brazil	Western Union Corretora de Câmbio S.A., in cooperation with (i) Western Union Financial Services, Inc. for Transactions to and from the United States, Canadá and México; and (ii) Western Union Financial Services, Inc. for all other Transactions.	New Preamble provision: Western Union Corretora de Cambio S.A. is an authorized legal representative of Western Union in the country and authorized to operate by the Central Bank of Brazil under number 28996, duly registered with CNPJ No. 13.728.156/0001-35. The following provision supplements Part B, Section I: 6. Purpose of the transaction. In carrying out the transaction, the client declares to be fully aware of the text contained in the respective receipt, Articles 3 and 4 of Law No. 14,286 of December 29, 2021, and in particular the second and third paragraphs of Article 4, transcribed in this document, as well as BCB Resolution No. 277, of December 31, 2022, which govern this operation. Article 3 of Law No. 14,286, of December 29, 2021: “Article 3 The operations in the exchange market can be carried out only through institutions authorized to operate in this market by the Central Bank of Brazil, in the form of the regulation to be edited by this municipality.” Article 4, §§ 2 and 3 of Law no. 14,286, of December 29, 2021: “§ 2º It Is the responsibility of the client to classify the purpose of the operation in the exchange market, as provided for in the regulation to be edited by the Central Bank of Brazil. § 3º The institutions authorized to operate in the exchange market will provide technical guidance and support, including through virtual means, for customers who need support for the correct classification of purpose of the operation in the exchange market, of which § 2 of this article is addressed.” The client also declares that the Withheld Income Tax at Source (“IRRF”) was not collected in this transaction, because it is an exemption or non-incidence case. 7. Fraud. Customer declares to be aware that Western Union will process, store, share and record your personal data and information for fraud control and prevention purposes, with the aim of ensuring the security of operations. According to current regulations, personal data and information may be shared with companies in your conglomerate, third-party companies, other institutions belonging to the National Financial System, payment institutions and regulatory bodies. WU WARNS THAT SENDING MONEY TO A PERSON THE SENDER DOES NOT KNOW SHOULD NOT BE CARRIED OUT. INFORMATION AND DETAILS OF MONEY TRANSFERS SHOULD BE SHARED ONLY WITH THE BENEFICIARY. The following provision supplements Part B, Section V: V. PRIVACY Your personal data (“Personal Data”) is processed and controlled by Western Union in accordance with the provisions of Federal Law No. 13,709/2018. Western Union collects and uses the personal data provided when sending the transfer of funds, along with other information collected or generated during your relationship with Western Union, in order to provide the contracted services appropriately and in complete manner. To execute the transaction, Western Union will retain and retain the personal data that the sender provides about the recipient of the transfer of funds (“Third Party Personal Data”). Without the respective personal data and the personal data of third parties, it is not possible to perform the money transfer service. The Data Protection Officer (DPO), whose activities consist of accepting complaints, providing clarifications, among others, as provided for in article 41 of Law 13,709/18, can be contacted by e-mail LGPDWU@westernunion.com, with the subject “Care of DPO”.

JURISDICTION

WESTERN UNION ENTITY/PARTNER

COUNTRY SPECIFIC PROVISION

Brazil

Western Union Corretora de Câmbio S.A., in cooperation with (i) Western Union Financial Services, Inc. for Transactions to and from the United States, Canadá and México; and (ii) Western Union Financial Services, Inc. for all other Transactions.

New Preamble provision:

Western Union Corretora de Cambio S.A. is an authorized legal representative of Western Union in the country and authorized to operate by the Central Bank of Brazil under number 28996, duly registered with CNPJ No. 13.728.156/0001-35.

The following provision supplements Part B, Section I:

6. Purpose of the transaction. In carrying out the transaction, the client declares to be fully aware of the text contained in the respective receipt, Articles 3 and 4 of Law No. 14,286 of December 29, 2021, and in particular the second and third paragraphs of Article 4, transcribed in this document, as well as BCB Resolution No. 277, of December 31, 2022, which govern this operation. Article 3 of Law No. 14,286, of December 29, 2021: “Article 3 The operations in the exchange market can be carried out only through institutions authorized to operate in this market by the Central Bank of Brazil, in the form of the regulation to be edited by this municipality.” Article 4, §§ 2 and 3 of Law no. 14,286, of December 29, 2021: “§ 2º It Is the responsibility of the client to classify the purpose of the operation in the exchange market, as provided for in the regulation to be edited by the Central Bank of Brazil. § 3º The institutions authorized to operate in the exchange market will provide technical guidance and support, including through virtual means, for customers who need support for the correct classification of purpose of the operation in the exchange market, of which § 2 of this article is addressed.” The client also declares that the Withheld Income Tax at Source (“IRRF”) was not collected in this transaction, because it is an exemption or non-incidence case.

7. Fraud. Customer declares to be aware that Western Union will process, store, share and record your personal data and information for fraud control and prevention purposes, with the aim of ensuring the security of operations. According to current regulations, personal data and information may be shared with companies in your conglomerate, third-party companies, other institutions belonging to the National Financial System, payment institutions and regulatory bodies.

WU WARNS THAT SENDING MONEY TO A PERSON THE SENDER DOES NOT KNOW SHOULD NOT BE CARRIED OUT. INFORMATION AND DETAILS OF MONEY TRANSFERS SHOULD BE SHARED ONLY WITH THE BENEFICIARY.

The following provision supplements Part B, Section V:

V. PRIVACY

Your personal data (“Personal Data”) is processed and controlled by Western Union in accordance with the provisions of Federal Law No. 13,709/2018. Western Union collects and uses the personal data provided when sending the transfer of funds, along with other information collected or generated during your relationship with Western Union, in order to provide the contracted services appropriately and in complete manner.

To execute the transaction, Western Union will retain and retain the personal data that the sender provides about the recipient of the transfer of funds (“Third Party Personal Data”). Without the respective personal data and the personal data of third parties, it is not possible to perform the money transfer service. The Data Protection Officer (DPO), whose activities consist of accepting complaints, providing clarifications, among others, as provided for in article 41 of Law 13,709/18, can be contacted by e-mail LGPDWU@westernunion.com, with the subject “Care of DPO”.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Brunei Darussalam	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Cambodia	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
China	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Chile	Western Union Chile SpA	The following provision supplements Part B, Section II, Subsection 4: 4. Using An Account. To perform international money transfer transactions through the Mobile Application, using online bank transfers, the customer must enter his personal data in the Mobile Application and without leaving this environment will be redirected to a bank gateway through which he must authorize from his exclusively personal account the corresponding debit. To perform international money transfer transactions through Stage & Pay, the customer may pre-charge the transaction he wishes to carry out through the Mobile Application and then complete it within 24 hours in an Agency paying the amount pre-charged in the Mobile Application. The following clause supplements Part B, Section IV, Subsection 3: IV. RESTRICTIONS The Service is intended solely for the purpose of sending funds to individuals known and trusted by the sender, who are located in the destination country indicated in the Service application form at the time the Transaction is initiated.

JURISDICTION

WESTERN UNION ENTITY/PARTNER

COUNTRY SPECIFIC PROVISION

Chile

Western Union Chile SpA

The following provision supplements Part B, Section II, Subsection 4:

4. Using An Account.

To perform international money transfer transactions through the Mobile Application, using online bank transfers, the customer must enter his personal data in the Mobile Application and without leaving this environment will be redirected to a bank gateway through which he must authorize from his exclusively personal account the corresponding debit. To perform international money transfer transactions through Stage & Pay, the customer may pre-charge the transaction he wishes to carry out through the Mobile Application and then complete it within 24 hours in an Agency paying the amount pre-charged in the Mobile Application.

The following clause supplements Part B, Section IV, Subsection 3:

IV. RESTRICTIONS

The Service is intended solely for the purpose of sending funds to individuals known and trusted by the sender, who are located in the destination country indicated in the Service application form at the time the Transaction is initiated.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Cook Islands	Jetsave Cook Islands Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Cyprus	For all money transfers (except those performed on wu.com web/app): G.A.P. VASSILOPOULOS PUBLIC LIMITED For money transfers performed on wu.com web/app: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. Central Bank of Cyprus (ii) Complaints. If you have a complaint about our service, please reach out to G.A.P. VASSILOPOULOS PUBLIC LIMITED 20, Strovolou Avenue Strovolos 2011 Cyprus 2.2. For money transfers performed on wu.com web/app: (i) Regulator. Financial Market Authority (“FMA”). (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/cy or call us on 0800 95038 or send an email to cyprus.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Czech Republic	For all money transfers (except those performed on wu.com web/app): Western Union Payment Services Ireland Limited or P.E.S. Penezni Expresni Service S.R.O. For money transfers performed on wu.com web/app: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075 (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/cz or call us on 0800 297 579 or send an email to czechia.customer.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office. 2.2. For money transfers performed on wu.com web/app: (i) Regulator. Financial Market Authority (“FMA”). (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/cz or call us on 0800 297 579 or send an email to czechia.customer.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna. The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. Czech National Bank. (ii) Complaints. If you have a complaint about the service offered by P.E.S. Penezni Expresni Service S.R.O. please contact.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Denmark (Faroe Islands)	TaTanka Sp/f

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
East Timor	Pacific Holdings Unipessoal, LDA

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Egypt	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Federated States of Micronesia	CTSI Logistic FSM

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Georgia	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of Georgia.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Greece	For all money transfers (except those performed on wu.com web/app): ELTA – Hellenic Post or World Bridge – Payment Services S.A. For money transfers performed on wu.com web/app: World Bridge – Payment Services S.A.	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Bank of Greece.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Greenland	Videocentret Godthab Aps	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Danish Financial Supervisory Authority.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Guam	Consilidated Transportation

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
中國香港	數碼匯款服務：Western Union Online Limited 聯同 Western Union International Limited 使用全球的獨立授權代理點與代表網絡。零售匯款服務：	以下條款補充 B 部分第 X 節： X. 取消及退款受監管要求約束，我們可能會決定退款流向。

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Iceland	Western Union International Bank GmbH in cooperation with Western Union International Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
India	For all money transfers (except those performed on wu.com web/app) – receive capability only: Western Union Financial Services Western Union Payment Services Ireland Limited For money transfers performed on wu.com web/app: Western Union Financial Services in collaboration with Yes Bank Limited.	New provision for the Preamble: Western Union Online Service is offered in collaboration with Yes Bank Limited, with its registered office at 9th Floor, Nehru Centre, Discovery of India Building, Dr. A.B.Road, Worli, Mumbai-400018, Maharashtra, India. Yes Bank Limited has received the necessary approvals from Reserve Bank of India to offer Western Union Outbound Money Transfer Services in India. Yes Bank Limited will be carrying out the KYC process in requirements with the applicable laws of India. For any questions on KYC, you may contact wu-indiacsc@westernunion.com; Western Union will coordinate with Yes Bank for the response. Please note that Yes Bank Limited being an authorized dealer is solely liable to undertake collection of tax at source (“TCS”) from the buyer /customer remitting the amount (or aggregate of amounts) over and above a certain threshold out of India through WU.com. Yes Bank shall deposit the taxes so collected with the Indian government and undertake the TCS compliances thereon. Please visit https://www.yesbank.in/personal-banking/yes-individual/outward-remittance-web-section for more details on the TCS process and any queries you may have in this regard.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Indonesia	PT Western Union Indonesia, in affiliation with related international Western Union entity/entities, and/or a network of authorised Partners	The following provision supplements Part B, Section I, Subsection 3: 3. Money Transfer. To make a money transfer, You may be required to provide Us with the following information, to the extent applicable or required: (i) The name of the Sender; (ii) The name of the Receiver; (iii) The amount and currency under which the Transaction is to be conducted; (iv) The payment account details of the relevant Receiver, if applicable; (v) The date of the Transaction order; and (vi) Any other information as may be required by Us to execute the Transaction. New provisions to Part B, Section I: 6. Verification. We may be required to carry out customer due diligence on You as part of Our know your customer (KYC) policy. We may request for information and documentation prior to or during your use of the Services, including information or documentation relating to Your identity. You agree that Your use of the Services may be subject to Our KYC and verification process. You agree that We are entitled to check and verify the information You provide, either directly or indirectly through any third party, including through databases. If You fail or refuse to provide the information requested by Us under this section, or if the information You have provided Us with is found to be untrue, inaccurate, or incomplete, We shall be entitled to deny and block Your use of the Services. 7. Execution of Transaction. Notwithstanding any other provision, We may refuse to execute a Transaction if the information provided by You is untrue, inaccurate, or incomplete. In the event of Our refusal to execute the Transaction, We shall inform You regarding the details of such refusal, within 7 seven working days after We have received Your Transaction order. New provisions to Part B, Section IV: 4. Foreign Exchange Limitation. Foreign currency transactions, if any, including the purchase or sale of Indonesian Rupiah for foreign currencies, or vice versa, may be subject to certain limitations as determined by Bank Indonesia. If Your Transaction exceeds applicable limits, You may be required to provide additional documents, including but not limited to documentation relating to the relevant Transaction and any other supporting document We may request for. You acknowledge that We are entitled to not execute the Transaction if You do not present sufficient documentation or information. The following provision amends Part B, Section VII, Subsection 1: 1. Governing Law and Dispute Resolution. These Terms and any Transaction are governed by the laws of the Send Country. If the Sender is located in Indonesia, any dispute arising out of or in connection with these Terms or any Transaction may be brought before the District Court of Central Jakarta, which shall serve as the primary forum for dispute resolution. Notwithstanding the above, if permitted under applicable law and mutually agreed upon, We may opt to resolve disputes through arbitration, in a forum of the parties’ choosing. In the event of any conflict between these Terms and applicable law, the provisions of the applicable law shall prevail. New provision to Part B, Section XI: 8. Amendments. We may update, amend, or revise these Terms from time to time. If any material changes are made, We will notify you by email or through other appropriate means. By continuing to use Our Services after such amendments take effect, You agree to be bound by the amended Terms. If You do not agree with the amendments, You may stop using our Services. In any event, upon the lapse of 30 working days from Our notification to You regarding the amendments to these Terms, You shall be deemed to have agreed to the amendments made to these Terms.

JURISDICTION

WESTERN UNION ENTITY/PARTNER

COUNTRY SPECIFIC PROVISION

Indonesia

PT Western Union Indonesia, in affiliation with related international Western Union entity/entities, and/or a network of authorised Partners

The following provision supplements Part B, Section I, Subsection 3:
3. Money Transfer. To make a money transfer, You may be required to provide Us with the following information, to the extent applicable or required:
(i) The name of the Sender;
(ii) The name of the Receiver;
(iii) The amount and currency under which the Transaction is to be conducted;
(iv) The payment account details of the relevant Receiver, if applicable;
(v) The date of the Transaction order; and
(vi) Any other information as may be required by Us to execute the Transaction.

New provisions to Part B, Section I:
6. Verification. We may be required to carry out customer due diligence on You as part of Our know your customer (KYC) policy. We may request for information and documentation prior to or during your use of the Services, including information or documentation relating to Your identity. You agree that Your use of the Services may be subject to Our KYC and verification process.
You agree that We are entitled to check and verify the information You provide, either directly or indirectly through any third party, including through databases. If You fail or refuse to provide the information requested by Us under this section, or if the information You have provided Us with is found to be untrue, inaccurate, or incomplete, We shall be entitled to deny and block Your use of the Services.

7. Execution of Transaction. Notwithstanding any other provision, We may refuse to execute a Transaction if the information provided by You is untrue, inaccurate, or incomplete. In the event of Our refusal to execute the Transaction, We shall inform You regarding the details of such refusal, within 7 seven working days after We have received Your Transaction order.

New provisions to Part B, Section IV:
4. Foreign Exchange Limitation. Foreign currency transactions, if any, including the purchase or sale of Indonesian Rupiah for foreign currencies, or vice versa, may be subject to certain limitations as determined by Bank Indonesia. If Your Transaction exceeds applicable limits, You may be required to provide additional documents, including but not limited to documentation relating to the relevant Transaction and any other supporting document We may request for. You acknowledge that We are entitled to not execute the Transaction if You do not present sufficient documentation or information.

The following provision amends Part B, Section VII, Subsection 1:
1. Governing Law and Dispute Resolution. These Terms and any Transaction are governed by the laws of the Send Country. If the Sender is located in Indonesia, any dispute arising out of or in connection with these Terms or any Transaction may be brought before the District Court of Central Jakarta, which shall serve as the primary forum for dispute resolution. Notwithstanding the above, if permitted under applicable law and mutually agreed upon, We may opt to resolve disputes through arbitration, in a forum of the parties’ choosing. In the event of any conflict between these Terms and applicable law, the provisions of the applicable law shall prevail.

New provision to Part B, Section XI:
8. Amendments. We may update, amend, or revise these Terms from time to time. If any material changes are made, We will notify you by email or through other appropriate means. By continuing to use Our Services after such amendments take effect, You agree to be bound by the amended Terms. If You do not agree with the amendments, You may stop using our Services. In any event, upon the lapse of 30 working days from Our notification to You regarding the amendments to these Terms, You shall be deemed to have agreed to the amendments made to these Terms.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Isle of Man	Global Travel Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Iraq	Western Union Network (Ireland) Ltd

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Japan	Western Union Japan KK	New provision for the Preamble: Western Union Japan KK is licensed by the Kanto Local Finance Bureau (registration number: 00039), to offer Type II fund transfer services business in Japan and conducts fund transfer transactions of 1,000,000 yen or less. The Transaction is not conducted by a bank. Transactions do not involve the acceptance of deposits or term deposits, savings or installment savings. Transactions are not the subject of insurance payment prescribed by Article 53 of the Deposit Insurance Act (Act No. 34 of 1971) or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Act (Act No.53 of 1973). Western Union has signed and executed a Guarantee Agreement with Mizuho Bank, Ltd. to ensure that all users in Japan are protected by the Performance Protection Funds contained in Article 44 of the Money Transfer Business Act. You have the right to claim onto performance security funds defined in Article 59 of the Money Transfer Business Law (Act No.59 of 2010). The following provision supplements Part A, Section II: II. DEFINED TERMS Currently, bank transfer and payment through certified collection partners is the applicable Payment Method. Therefore, the terms “Bank Card” and “Card Issuer” are provided for illustrative purposes only. The following provision supplements Part B, Section IV: IV: RESTRICTIONS Not Available for certain Individuals or Transactions: (1) “You acknowledge and confirm that in line with applicable law, funds sent or received shall not, directly or indirectly be to/ from North Korea or Iran (or such other countries as may be prohibited from time to time in accordance with applicable law) (2) You must not be a member of a bouryoku-dan or organized crime group (“Antisocial Force”) or have association with an Antisocial Force, or, if You are a corporation, any of Your respective directors, officers or employees must not be a member of an Antisocial Force or have association with an Antisocial Force. In the event that We come to know or have a reason to believe that You are a member of an Antisocial Force or has association with an Antisocial Force, or, if You are a corporation, that any of Your respective directors, officers or employees is a member of an Antisocial Force or has association with an Antisocial Force, We will immediately take all the necessary steps to prevent any further use of the Western Union Online Service by You. Prompting these steps does not make Us liable for any loss or damage that are the result of Your failure to comply with Your responsibility in accordance with the preceding paragraph. The following provision supplements Part B, Section VII: VII. COMPLAINTS, APPLICABLE LAW, DISPUTES We will promptly investigate any claims arising out or relating to the Transaction. If You are not satisfied with such investigation, You may refer the claim and dispute to the Japan Money Senders Association (“JMSA”) at 03-3556-6261, 7/F, 3-8-11 Kudan-minami, Chiyoda-ku, Tokyo 102-0074, or Tokyo Bar Association Dispute Center for Conflict Resolution at 03-3581-0031, or Daiichi Tokyo Bar Association Dispute for Arbitration Center at 03-3581-8588, or Daini Tokyo Bar Association Dispute for Arbitration Center at 03-3581-2249, to resolve or follow the JMSA guidelines to resolve the dispute by arbitration.to resolve or to resolve the dispute by arbitration. New provisions to Part B, Section XII: 8. Safeguarding rules. The required security deposit amount is determined on every Saturday at 24:00 midnight New York time (every Sunday at 1:00pm Tokyo time) as the maximum of the required security deposit amounts during the 7-day period of the previous week from Sunday 0:00 midnight New York time to Saturday 24:00 midnight New York time. The required deposit amount will be added to the Guarantee Agreement with Mizuho Bank as described in clause 15.4 above. In case the Guarantee Agreement would not work for whatever reason, the required deposit will be deposited with an official depositary within 3 (three) business days (excluding Sundays, Saturdays, holidays prescribed in the Act on National Holidays, January 2nd, January 3rd, and from December 29th to December 31st) from the end of the 7-day period so specified in the preceding sentence. 9. No Retention by Us. We shall not hold funds received from You which are not used for transactions. With respect to funds received from You via a Payment Method which are deemed not to be used for transactions, We shall return such funds to You or take other measures not to retain such funds. We will only conduct fund transfer transactions of 1,000,000 yen or less.

JURISDICTION

WESTERN UNION ENTITY/PARTNER

COUNTRY SPECIFIC PROVISION

Japan

Western Union Japan KK

New provision for the Preamble:
Western Union Japan KK is licensed by the Kanto Local Finance Bureau (registration number: 00039), to offer Type II fund transfer services business in Japan and conducts fund transfer transactions of 1,000,000 yen or less.

The Transaction is not conducted by a bank. Transactions do not involve the acceptance of deposits or term deposits, savings or installment savings. Transactions are not the subject of insurance payment prescribed by Article 53 of the Deposit Insurance Act (Act No. 34 of 1971) or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Act (Act No.53 of 1973). Western Union has signed and executed a Guarantee Agreement with Mizuho Bank, Ltd. to ensure that all users in Japan are protected by the Performance Protection Funds contained in Article 44 of the Money Transfer Business Act. You have the right to claim onto performance security funds defined in Article 59 of the Money Transfer Business Law (Act No.59 of 2010).

The following provision supplements Part A, Section II:
II. DEFINED TERMS
Currently, bank transfer and payment through certified collection partners is the applicable Payment Method. Therefore, the terms “Bank Card” and “Card Issuer” are provided for illustrative purposes only.

The following provision supplements Part B, Section IV:
IV: RESTRICTIONS
Not Available for certain Individuals or Transactions: (1) “You acknowledge and confirm that in line with applicable law, funds sent or received shall not, directly or indirectly be to/ from North Korea or Iran (or such other countries as may be prohibited from time to time in accordance with applicable law) (2) You must not be a member of a bouryoku-dan or organized crime group (“Antisocial Force”) or have association with an Antisocial Force, or, if You are a corporation, any of Your respective directors, officers or employees must not be a member of an Antisocial Force or have association with an Antisocial Force. In the event that We come to know or have a reason to believe that You are a member of an Antisocial Force or has association with an Antisocial Force, or, if You are a corporation, that any of Your respective directors, officers or employees is a member of an Antisocial Force or has association with an Antisocial Force, We will immediately take all the necessary steps to prevent any further use of the Western Union Online Service by You. Prompting these steps does not make Us liable for any loss or damage that are the result of Your failure to comply with Your responsibility in accordance with the preceding paragraph.

The following provision supplements Part B, Section VII:
VII. COMPLAINTS, APPLICABLE LAW, DISPUTES
We will promptly investigate any claims arising out or relating to the Transaction. If You are not satisfied with such investigation, You may refer the claim and dispute to the Japan Money Senders Association (“JMSA”) at 03-3556-6261, 7/F, 3-8-11 Kudan-minami, Chiyoda-ku, Tokyo 102-0074, or Tokyo Bar Association Dispute Center for Conflict Resolution at 03-3581-0031, or Daiichi Tokyo Bar Association Dispute for Arbitration Center at 03-3581-8588, or Daini Tokyo Bar Association Dispute for Arbitration Center at 03-3581-2249, to resolve or follow the JMSA guidelines to resolve the dispute by arbitration.to resolve or to resolve the dispute by arbitration.

New provisions to Part B, Section XII:
8. Safeguarding rules. The required security deposit amount is determined on every Saturday at 24:00 midnight New York time (every Sunday at 1:00pm Tokyo time) as the maximum of the required security deposit amounts during the 7-day period of the previous week from Sunday 0:00 midnight New York time to Saturday 24:00 midnight New York time. The required deposit amount will be added to the Guarantee Agreement with Mizuho Bank as described in clause 15.4 above. In case the Guarantee Agreement would not work for whatever reason, the required deposit will be deposited with an official depositary within 3 (three) business days (excluding Sundays, Saturdays, holidays prescribed in the Act on National Holidays, January 2nd, January 3rd, and from December 29th to December 31st) from the end of the 7-day period so specified in the preceding sentence.

9. No Retention by Us. We shall not hold funds received from You which are not used for transactions. With respect to funds received from You via a Payment Method which are deemed not to be used for transactions, We shall return such funds to You or take other measures not to retain such funds. We will only conduct fund transfer transactions of 1,000,000 yen or less.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Jordan	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Kazakhstan	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of Kazakhstan.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Korea	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Kosovo	Unioni Financiar Prishtinë SH.P.K. in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Central Bank of the Republic of Kosovo.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Kuwait	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Kyrgyzstan	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of Kyrgyzstan

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Laos	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Lebanon	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Liechtenstein	Western Union International Bank GmbH in cooperation with Western Union International Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Macau	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Macedonia	Network of licensed and authorised Partners in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of the Republic of North Macedonia.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Malaysia	Western Union Payments (Malaysia) SDN BHD	New provision for the Preamble: Notwithstanding anything contained herein, if You are dealing as a Consumer under the Consumer Protection Act 1999 (“CPA“): (i) Western Union gives You such implied warranties under the CPA that cannot be excluded by the CPA; (ii) these Terms and Conditions are intended to exclude or limit the rights and remedies You may have to the maximum extent permitted by law and the CPA; and (iii) nothing in these Terms and Conditions are intended to exclude or limit Western Union’s liability to You for any loss or damage arising from (i) negligence on Western Union’s part or (ii) breach of any express terms contained herein or implied by the CPA which cannot be excluded without adequate justification. The following provision amends Part B, Section VII, Subsection 1: 1. Governing Law and Dispute Resolution. These Terms and Conditions shall be governed and construed in accordance with the laws of Malaysia and the parties submit to the non-exclusive jurisdiction of the courts of Malaysia and any courts which have jurisdiction to hear appeals from such country and you waive any right to objection proceedings being conducted in such courts.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Maldives	Island Financial Service PVT LTD

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Malta	For all money transfers (except those performed on wu.com web/app): Fexserv Financial Services Ltd. For money transfers performed on wu.com web/app: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. Malta Financial Services Authority (ii) Complaints. If you have a complaint about the service offered by our agent, please contact: Fexserv Financial Services Ltd., Alpine House, Naxxar Road, San Gwann, SGN 9032 Malta, Tel: (+356) 25762576. 2.2. For money transfers performed on wu.com web/app: (i) Regulator. Financial Market Authority (“FMA”) (ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/hr or call us on 0800 806227 or send an email to croatia.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Marshall Islands	Robert Reimers Enterprises Inc.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Mexico	Servicio Integral de Envíos, S.A. de C.V. , money transmitter registered with number 20364.	New provision for the Preamble: Servicio Integral de Envíos, S.A. de C.V. , money transmitter registered with number 20364. Adress: Avenida Paseo de la Reforma número 505, Piso 17, Col. Cuauhtémoc, Alcaldía Cuauhtémoc, C.P. 06500, Ciudad de México

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Moldova	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Mongolia	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Montenegro	MONTENEGRO TRANSFERS DOO PODGORICA in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Central Bank of Montenegro.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Myanmar	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Nepal	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
New Zealand	Western Union International Limited	The following provision supplements Part B, Section X: XI.CUSTOMER CARE The Customer Care number is not toll-free for call from New Zealand.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Nigeria	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Niua	Niue Commercial Enterprises

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Northern Mariana Islands	Insurance and Business

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Norway	For all money transfers (except those performed on wu.com web/app): Western Union Payment Services Ireland Limited or Forex AB For money transfers performed on wu.com web/app: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075 (ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/no or call us on 80018666 or send an email to norway.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office. 2.2.For all money transfers (except those performed on wu.com web/app) offered by Forex AB: (i) Regulator: Finanstillsynet. 2.3. For money transfers performed on wu.com web/app: (i) Regulator. Financial Market Authority (“FMA”) (ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/no or call us on 80018666 or send an email to norway.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Oman	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Pakistan	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Palau	CTSI Logistics Palau Inc.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Palestine	Western Union Network (France) SAS

JURISDICTION

WESTERN UNION ENTITY/PARTNER

COUNTRY SPECIFIC PROVISION

Panama

Transfer Express de Panama S.A.

The following clause supplements Part B, Section IV, Subsection 3:

IV. RESTRICTIONS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Papua New Guinea	Bank of South Pasific Ltd.

JURISDICTION

WESTERN UNION ENTITY/PARTNER

COUNTRY SPECIFIC PROVISION

Peru

Western Union Peru S.A.

The following clause supplements Part B, Section II:
II. FEES and PAYMENT

On your Transaction could apply taxes such as ITF and IGV.

The following clause supplements Part B, Section IV, Subsection 3:

IV. RESTRICTIONS

The following clause supplements Part B, Section V:

V. PRIVACY

Your personal data (“Personal Data”) are processed and controlled by Western Union Peru S.A (“WUPSA”), in accordance with the Law No. 27933. WUPSA collects and uses the Personal Data provided when sending the money transfer, together with other information collected or generated during the course of your relationship with WUPSA in order to adequately and completely provide the contracted services.

WUPSA will maintain and retain Personal Data that the sender provides to us about the recipient of the money transfer to execute the transaction (“Third Party Personal Data”). Without the respective Personal Data and Third Party Personal Data, it is not possible to carry out the money transfer service. For more information you can visit https://www.westernunion.com/global/es-xl/privacy-statement-peru.html

The following clause supplements Part B, Section VII:

VII. COMPLAINTS, APPLICABLE LAW, DISPUTES

If you not be satisfied with our services under these Terms, you may make a complaint on https://www.westernunion.com/pe/es/claim-form.html. We will send you a final response letter within 15 business days of receipt of your complaint. If you are unhappy with our final response, you have the right to refer your complaint to INDECOPI.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Philippines	Western Union Processing Services, Inc.	New provision for the Preamble: BSP Regulated Entity. Western Union Processing Services Inc. is a regulated entity by the Bangko Sentral ng Pilipinas. For complaints, inquiries, and requests, please contact the BSP Consumer Financial Protection Bureau – (855) 411-2372; www.consumerfinance.gov. &nsbp; New provision for Part B, Section I: I. OUR SERVICES 6. Modification of Transaction Details. You may request changes to certain transaction details, subject to Our discretion and provided that the request is made before the Transaction is processed. These changes may include, but are not limited to, the currency, payout method, Receiver’s name, or a test question. To request a modification, please contact Our Customer Care team. All requests are subject to availability and where relevant, Westen Union’s discretion. New provision for Part B, Section X: X. CANCELLATION AND REFUNDS 2. Cancellation. We may cancel Your Transaction for operational reasons, including but not limited to (i) operational or technical issues or errors; (ii) suspected or confirmed consumer fraud; and (iii) compliance related delay.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Puerto Rico	Western Union Financial Services, Inc. Western Union International Services, LLC

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Qatar	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Saudi Arabia	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Samoa	FEXCO (Samoa) Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Singapore	Western Union Global Network Pte Ltd	New provision for Part A: A person who is not a party to any agreement governed by these Terms has no rights under the Contracts (Rights of Third Parties) Act, Chapter 53B of Singapore. New provision for Part B, Section I: 5. Safeguarding. Western Union Global Network Pte Ltd is required under the Payment Services Act 2019 (“PSA”) of Singapore to safeguard relevant money (as defined in section 23(14) of the PSA) received from or on the account of its customers. Western Union Global Network Pte Ltd has arranged for the aggregate relevant money of its customers to be safeguarded in a combination of two ways: (a) a certain amount (the “Guaranteed Amount”) is safeguarded by a guarantee given by a safeguarding institution that is a licensed bank in Singapore, which requires the safeguarding institution to pay the Guaranteed Amount in the event of the insolvency of Western Union Global NetworkPte Ltd, in accordance with the applicable requirements of the PSA; and (b) an amount equivalent to all remaining relevant money which exceeds the Guaranteed Amount will be held by Western Union Global Network Pte Ltd on behalf of its customers in a trust account (the “Trust Account”) opened with another safeguarding institution that is also a licensed bank in Singapore. Generally, any relevant money received from a customer of Western Union Global Network that is deposited in the Trust Account will be commingled with relevant money received from other customers of Western Union Global Network Pte Ltd. Consequently, you acknowledge that it is not possible to identify any portion of the relevant money in the Trust Account as specifically belonging to you (nor is it possible to identify whether your relevant money is covered under the Guarantee as opposed to being deposited in the Trust Account) and money in the Trust Account could be withdrawn to meet the obligations of other customers. If the safeguarding institution with which the Trust Account is maintained becomes insolvent, you may be delayed or prevented from recovering your full entitlement to the relevant money. The following provision supplements Part B, Section VI: We assume liability for the execution of a money transfer order in the event of the fault of an employee or vicarious agent acting on Our behalf, pursuant to the provisions set forth under Singapore law. The liability of Western Union, Western Union affiliates and foreign agents is excluded for cases of negligence. This exclusion does not apply in the case of death, bodily injury or impairment of health, nor in the case of violating major contractual obligations. In the case of violating ancillary contractual obligations through negligence Our liability is limited to replacing the typical and reasonably foreseeable damage up to the maximum amount of SGD 500 (in addition to the transferred amount and the fees charged). The following provision amends Part B, Section VI, Subsection 1: 1. Choice of Law and Dispute Resolution. These Terms shall be governed and construed in accordance with the laws of the Republic of Singapore and the parties submit to the exclusive jurisdiction of the courts of the Republic of Singapore.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Serbia	TENFORE DOO BEOGRAD INSTITUCIJA ELEKTRONSKOG NOVCA in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of Serbia.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Solomon Islands	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
South Sudan	Western Union Network (Ireland) Ltd

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Sri Lanka	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Sudan	Western Union Network (Ireland) Ltd

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Switzerland	For all money transfers (except those performed on wu.com web/app): Western Union (Switzerland) LLC, Dover (Delaware/USA), Zweigniederlassung Zurich &nsbp; For money transfers performed on wu.com web/app: Western Union International Bank GmbH in cooperation with Western Union International Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. 2.1. For all money transfers (except those performed on wu.com web/app): (i) Regulator. VQF (Verein zur Qualitätssicherung von Finanzdienstleistungen). (ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/ch or call us on 0800 562103 or send an email to switzerland.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. 2.2. For money transfers performed on wu.com web/app: (i) Regulator. Financial Market Authority (“FMA”). (ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/ch or call us on 0800 562103 or send an email to switzerland.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Syria	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Taiwan	King’s Town Bank, Ltd.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Tajikistan	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of Tajikistan.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Thailand	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Tonga	FEXCO (Tonga) Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Turkey	For all money transfers (except those performed on wu.com web/app): BPN Ödeme ve Elektronik Para Hizmetleri A.Ş For money transfers performed on wu.com web/app: Western Union Turkey Ödeme Hizmetleri Anonim Sirketi	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Central Bank of Turkey (Türkiye Cumhuriyet Merkez Bankası).

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Turkmenistan	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Central Bank of Turkmenistan.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Tuvalu	FEXCO (Fiji) Limited

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Ukraine	Network of licensed and authorised Partners in cooperation with Western Union Network (France) SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. National Bank of Ukraine.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
United Arab Emirates	Western Union Network (France) SAS

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
United Kingdom	Western Union Payment Services GB Limited	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator and Complaints. (i) Regulator. Financial Conduct Authority (“FCA”). (ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/gb or call us on 0800-833-833 or send an email to uk.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to The Financial Ombudsman Service. South Quay Plaza, 183 Marsh Wall, London E14 9SR. Visit www.financial-ombudsman.org.uk for more information.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Uzbekistan	Network of licensed and authorised Partners in cooperation with Western Union Network (France), SAS	The following provision supplements Part B, Section VII, Subsection 2: 2. Regulator. Central Bank of Uzbekistan.

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Vanuatu	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Vietnam	Network of licensed and authorised Partners

JURISDICTION	WESTERN UNION ENTITY/PARTNER	COUNTRY SPECIFIC PROVISION
Yemen	Western Union Network (France) SAS