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Western Union® International Money Transfer SM Terms and Conditions

Western Union® INTERNATIONAL MONEY TRANSFERSM SERVICES ("TRANSFERS") ARE PROVIDED ON THE FOLLOWING TERMS AND CONDITONS

STANDARD TIME FOR TRANSACTIONS

Western Union® Payment Services UK Limited (Japan Branch) ("WU Japan") transfers (funded in cash) can be sent and picked up at most locations of Agents ("Agents") of Western Union® Group (including WU Japan) worldwide (collectively, "Western Union®"). Regular Transfers are usually available within 10 minutes for pickup by the receiver, subject to hours of operation of the payment location. Delays and other restrictions apply in certain countries.

PAYMENT

Transfers will normally be paid in cash, but some Agents may pay by cheque or a combination of cash and cheque. All Transfers are subject to availability, conditions applicable at the payment location, and may be subject to local taxes and/or service charges. Transfers shall be paid to the person that Agents deem entitled to receive the Transfer after verification of identity through examination of identification documents. Such payment can be made even when the form filled out by the receiver contains errors. Neither Western Union® nor its Agents carry out a comparison of the "To Send Money" form against the "To Receive Money" form to verify the address given for the receiver.

ANTI-MONEY LAUNDERING, ETC.

Applicable laws and regulations prohibit money transmitters from doing business with certain countries, groups and individuals and guidelines applicable to such laws provide the rules to prevent transactions with anti-social forces. To comply, Western Union® is required to screen all transactions against lists of names provided by the governments of the countries and territories in which it does business (if any), including the US Treasury Departments Office of Foreign Assets Control (OFAC), the European Council, the Japan Financial Intelligence Center and lists of anti-social forces. If a potential match is identified, Western Union® may require customers to provide additional identification and other information or documents that it deems necessary. Transactions may thus be declined or delayed. Western Union® shall avoid any connection with any anti-social forces.

FOREIGN EXCHANGE

Transfers will normally be paid in the currency of the destination country (in some countries payment is available in US dollars or other alternate currency). If the currency which the sender presents to an Agent is not the currency to be received by the receiver, all currency is converted at Western Union®'s then current rate of exchange. The currency will be converted at the time of the transaction and the receiver will receive the foreign currency amount shown on the money transfer application form ("Application"). In a few countries local regulations require the currency to be converted at the time the receiver is paid, in which case the exchange rate noted on the Application is only an estimate and the actual exchange rate will be determined at the time of payment. Western Union® calculates its rate of exchange based on commercially available interbank rates plus a margin. Most rates of exchange are adjusted several times daily in line with the relevant closing rate of global financial markets. The exchange rate applied may be less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by us will be kept by Western Union® (or, in some instances, its Agents) in addition to the transaction fee. Senders must select the payout currency at the time they send money to countries where multiple payout currencies are available, in which case the transaction fee and the money Western Union® or its Agents make when the funds are changed into foreign currency may vary based upon the payment currency selected. Western Union® (or its Agents) may make additional money when it changes Transfers into a currency selected by the receiver and different from that originally selected by the sender.
If the sender chooses a payment currency different from the destination country national currency, the payment currency the sender chooses may not be available at all payment locations in that country, or may not be available in small denominations to pay all of the Transfer. In such cases, the payment location may pay all or part of the sender's Transfer in national currency. Additional information about fees and exchange rates for specific destination countries can be obtained by calling the number at the bottom of this form.

SMS

Western Union® offers free SMS notification in some countries to indicate that a Transfer has been collected by the receiver (for the sender) or that funds are available for collection (for the receiver). Charges applied by the service provider are the exclusive responsibility of the SMS recipient. Western Union® is not responsible for any charges associated with SMS messages. If permitted by applicable law, the SMS will be sent to the sender's and/or the receiver's mobile number provided on the Application. Western Union® will send SMS messages to a gateway for delivery, however delivery is the responsibility of third parties, and cannot be guaranteed. Western Union® is not responsible for technical malfunctions that occur outside of its proprietary systems.

TEST QUESTIONS

Test questions may only be used if the Transfer principal amount does not exceed US$1,000.00 (or local equivalent). Agents must obtain the correct response before payment even if proper identification is presented. Different limits may apply for Transfers to or from certain countries. For certain destinations (principally in Africa), a Test Question is required for all Transfers (regardless of the principal amount) AND the receiver may be required to provide identification. Test Questions are not an additional security feature and cannot be used to time or delay the payment of a Transfer and are prohibited in certain countries.

REFUND AND ADMINISTRATIVE CHARGE

Western Union® will refund the principal amount (at the applicable exchange rate described herein in effect at the time the refund is made) upon the sender's written request if payment has not been made. The sender must present the receipt with the money transfer control number. This refund process may take up to 3 months depending on the circumstances surrounding the Transfer. Refund of the transaction fee will be made upon the sender's written request if the Transfer is not available to the receiver within a reasonable amount of time, 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 the Agent, such as regulatory requirements, inclement weather or telecommunications failure. If the Transfer is stopped at the sender's request, transaction fees may not be refunded. To the extent allowed by law, Western Union® may deduct an administrative charge from Transfers that are not picked up within one year of the send date.

WE DO NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY GOODS OR SERVICE PAID FOR BY TRANSFERS. THE SENDER'S TRANSACTION DATA IS CONFIDENTIAL TO HIM/HER AND SHOULD NOT BE SHARED WITH ANY PERSON OTHER THAN THE RECEIVER. THE SENDER IS CAUTIONED AGAINST SENDING MONEY TO ANY UNKNOWN PERSON. IN NO EVENT SHALL Western Union® OR ANY OF ITS AGENTS BE LIABLE IF THE SENDER COMMUNICATES TRANSACTIONAL DATA TO ANY PERSON OTHER THAN THE RECEIVER. IN NO EVENT SHALL Western Union® OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES FOR DELAY,NONPAYMENT OR UNDERPAYMENT IN PROVIDING TRANSFERS OR NON-DELIVERY OF ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF Western Union®'S EMPLOYEES OR AGENTS (INCLUDING Western Union® AGENTS) OR OTHERWISE, BEYOND JPY50,000 (IN ADDITION TO REFUNDING THE PRINCIPAL AMOUNT AND TRANSACTION FEE). IN NO EVENT WILL Western Union® OR ANY OF ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL,INCIDENTAL OR CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER SHALL NOT LIMIT Western Union®'S OR ANY OF ITS AGENTS LIABILITY FOR DAMAGES RESULTING FROM Western Union®'S OR ANY OF ITS AGENTS GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT IN THOSE JURISDICTIONS WHERE SUCH LIMITATION OF LIABILITY IS VOID.

Western Union® reserves the right to change the Transfer service without notice. Western Union® and its Agents may refuse to provide Transfers to any person.

DATA PROTECTION

Western Union® collects and uses your personal data ("Your Information") which you provide on the Application, together with other information which is collected or generated during the course of your relationship with Western Union®, such as transaction and loyalty program details and your marketing preferences, for the purposes of providing you with the services you request and other related purposes such as administration, customer services, user validation, and product and business development activities. By checking the last box on the Application, Western Union® may provide Your Information to third parties ("Third Parties") with whom it has a contractual relationship to protect Your Information such as authorized service providers, Agents and other third parties as reasonably required to carry out the money transfer or to facilitate future transactions, or to supplement Your Information with information from publicly available sources, such as information to validate the accuracy of your address, telephone, e-mail and/or fax details in any manner or method Western Union® deem appropriate as notified at its website. Western Union® may also use Your Information in connection with other services, products, convenience and/or rewards programs, you have signed up for with Western Union® or its affiliates. Western Union® will hold and retain information which you give us about another person, such as the details of the receiver (the "Third Party's Information").The provision of Your Information and the Third Party's Information is compulsory to execute the transaction. Without the relevant information, Western Union® is unable to execute the money transfer, facilitate convenience activities or other requested services. Western Union® will use the name and address provided on the front page to send you commercial communications by post. Western Union® or its affiliates and business partners may send you commercial communications regarding Western Union® products and services by email/SMS/MMS unless you contact us on 0034 800 400 733* to instruct us not to, and you accept that any charges imposed by the network provider for this service are your sole responsibility. You agree to inform any receivers you nominate of the fact that Western Union® and its Agents are collecting their personal information and that such information may be used and disclosed as described in this provision. Both Your Information and Third Party's Information is governed by applicable data privacy laws, including Japan's Personal Information Protection Act of 2003.

Western Union® will disclose Your Information to other third parties (in any manner or method Western Union® deem appropriate as notified at its website) to understand and improve our product and service offerings to you unless you contact us on 0034 800 400 733* to instruct us not to. Western Union® may also disclose Your Information to third parties, where reasonably necessary, for the purposes of the prevention and detection of crime, prosecution of offenders, for purposes of national security or when required by law. Western Union® retains Your Information, your marketing preferences and your transaction history based on our record retention schedules for no longer than is necessary for the purposes for which the data were collected and in compliance with applicable laws. If you do not perform another transaction within the retention time period, Your Information as well as your marketing preferences will be removed. You have a right to access and to ask for a copy of Your Information for which we may charge a small sum. You may also correct, erase or block Your Information which is incomplete, inaccurate or out-of-date. You may also object at any time on legitimate grounds relating to your particular situation to the processing of Your Information, where the processing is not required to complete the service, by a law or regulation. If you wish to exercise these rights or if you no longer wish to receive commercial communications from Western Union®, please call 0034 800 400 733* during regular business hours or write to 7th Floor, Toranomon 45 MT Building, 5-1-5 Toranomon, Minato-ku, Tokyo.
Please call the Western Union Fraud Hotline(0120-961-623)for fraud-related enquiries.

GENERAL PROVISIONS

The Transfer and your relationship with WU Japan shall be exclusively governed by, and interpreted in accordance with, Japanese law. We will promptly investigate any claims arising out or relating to the Transfer. If a consumer is not satisfied with such investigation, they may refer to the claim and dispute to the Japan Money Senders Association ("JMSA") to resolve or follow the JMSA guidelines to resolve the dispute by arbitration. For those customers who will make use of JMSA for above mentioned purpose, please contact Customer Service Inquiry Office at JMSA and for those customers who will make use of dispute arbitration, please contact directly to following windows, Tokyo Lawyers Association 03-3581-0031, First Tokyo Lawyers Association 03-3595-8588, Second Tokyo Lawyers Association 03-3581-2249.

Transfers are NOT money sending transactions provided by a bank, etc., do not involve any acceptance of deposits, savings or installment savings, or similar matters prescribed in Article 2 Paragraph of the Banking Act, and are not subject to any insurance payments under Article 53 of the Deposit Insurance Act or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Act. For the benefit of customers, all of Western Union®'s performance security deposit is covered by a performance security deposit preservation contract with the Royal Bank of Scotland. The fact that Western Union® uses Agents to perform services does not change the rights and duties between Western Union® and its customers. Such rights and duties remain as if the services performed by the Agents were performed by Western Union® itself.

Transfers are provided by WU Japan through a network of authorized Western Union® Agents worldwide.
FOR CUSTOMER SERVICE, COMPLAINTS, OTHER INQUIRIES INCLUDING THE STATUS OF YOUR TRANSFER, PLEASE CALL 0034 800 400 733* OR WRITE TO 7th Floor, Toranomon 45 MT Building, 5-1-5 Toranomon, Minato-ku, Tokyo. The numbers outside of Japan are available by calling the above number, from any Agent or on the local Western Union® website.

* Free calls from landlines and public phones. Some standard network charge may apply

©2010-2011 Western Union® HOLDINGS, INC. All Rights Reserved.
Revised May 2012.

Inquiries about our services

International Money Transfer Support Center 0120-3630-44 (Toll Free: Mobile phone/PHS are also accepted)

9:00-22:00, everyday

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