Available Reports for Visitors and Subagents of Western Union

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WESTERN UNION GOLD CARD

Western Union Card Terms and Conditions

WESTERN UNION INTERNATIONAL LTD.

Western Union Card Programme Agreement (Effective September 2006)

Important Information for Participants in the Western Union Card Programme

This Western Union Card Programme Agreement (“Agreement”) contains the terms and conditions governing the Western Union Card Programme (“Programme”). The terms “Western Union” “we” “us” and “our” used in this Agreement mean Western Union International Ltd., Richview Office Park, Unit 9, Clonskeagh, Dublin 14, “You” and “your” means the person to whom is issued a Western Union Card pursuant to this Agreement (“Card”). “Receiver” means each person to whom money is sent on your behalf by our agent or us. “Sender” is each person from whom you receive money through us. “Participating Agent location” means a Western Union Agent location that participates in the Programme.

1. This is Your Contract With Us. You should read this Agreement and keep it for your records. All transactions using the Card are subject to the terms and conditions of this Agreement. By using the Card or by otherwise participating in the Programme, you agree to the terms of this Agreement. Your Card is required to perform any Programme transactions. Your Card remains the property of Western Union and must be returned to us immediately upon our request. To benefit from all its advantages your Card can only be used by you. Its use is subject to the terms of the Agreement. This Card is personal and cannot be shared.

2. Description of The Programme.

A. Convenience: The Programme enables you to initiate Western Union money transfers at Participating Agent locations more conveniently. The Programme allows you to provide information about yourself, which we will store electronically so that it will be available automatically at Participating Agent locations whenever you present your Card. All money transfers that you initiate using the Programme are subject to the terms and conditions set out in this Agreement, as well as the terms and conditions applicable to transactions initiated at Participating Agent locations where you send/receive the money transfer (these terms and conditions appear on the “To Send Money” and “To Receive Money” forms available from Participating Agent locations). In order to use the Card and participate in the Programme, you must fulfil all requirements pursuant to law, together with Western Union policy to enable you to Send/receive money transfers in a particular country.

B. Rewards: The Programme enables you to earn points based on the fee paid for each qualifying Western Union money transfer sent from Participating Agent locations (“Points”), as described herein. (See page 3 of this brochure for details). In order to qualify for Points, you must: i) present your Card at the beginning of each transaction; ii) complete the transaction at a Participating Agent location; iii) if required by local laws, present valid identification which bears the same name as the name which appears on your Card (and any other information required by the Participating Agent location); and iv) satisfy all other requirements of the Points Programme. Your Points will be added to your Card at the time of each qualifying transaction. Points are not earned for transactions performed by you over the Internet or when you receive money transfers or for Payment Services transactions, known as “Quick Pay”.

3. Participation in the Programme. The Programme is open to private individuals who are 18 years and older and have a main residence at a valid Greek address. Only one application per person will be accepted. We may, in our absolute discretion, refuse to accept your application if you do not satisfy our application criteria from time to time.

4. Obtaining Points for Transactions without Your Card. If you carried out a qualifying transaction but did not use your Card, you may still acquire points by sending a legible copy of your send/receive transaction receipt, which includes the Money Transfer Control Number (MTCN) and your Card number to us at the address in Section 15 below. Western Union reserves the right not to issue Points if it cannot verify the transaction, read the transaction receipt or the Card number provided or otherwise reasonably determines that the transaction did not qualify for Points.

5. Redeeming your Points. Once you accumulate the requisite number of Points for the available rewards, you may redeem your Points by contacting us at the number and address provided in Section 15 below. The rewards and required number of Points to redeem such rewards are subject to change at Western Union’s sole discretion and without notice. All rewards are subject to availability. Points accumulated on the Western Union Card cannot be redeemed until an application form has been completed, signed and returned to Western Union and accepted by Western Union. A certain minimum number of points may be required to redeem Points. Points are neither negotiable nor redeemable for cash.

6. Rewards and Benefits. The rewards represented in this communication are for illustrative purposes only and may be different from those actually offered by us to you in return for Points. All rewards and benefits offered are subject to change and stock availability or cancellation without any prior notice from us, while local restrictions and alterations may apply. Any substitute rewards will be of a similar or greater quality and value to those offered. If any of the items that you receive are damaged or faulty in material or workmanship on receipt, Western Union will send you replacements provided that you return the damaged or faulty items and their packaging to Western Union within approximately 10 days. All such replacements are subject to availability and may be substituted with items of a similar or greater quality and value.

7. Phone time offer. Any reward comprising phone time is valid for domestic and international calls. The phone time is provided by BBG Communications and not by Western Union. You should note that personal identification numbers (PINS) are subject to expiration 12 months from start of use. Telephone service to a few international destinations may occasionally be unavailable or limited for reasons beyond the control of BBG. When calling from a mobile phone, and/or a public phone there may be a connection charge.

8. Important Information About your Points. Points expire two years from date of the qualifying transaction. Any Points earned on your Card will be forfeited when your Card is cancelled, closed, revoked, found to be fraudulent or declared void under law. Points are not considered earned until actually redeemed by you and do not constitute a credit balance to your account or your Card. Points have no cash value and will not earn interest and are not insured against loss. Points cannot be purchased, sold, combined or transferred in any way. Maintaining the Card and the Points is your sole responsibility. Rewards will not be replaced if lost or stolen nor will Points used to redeem such Rewards be re-credited to your account.

9. Your Right to Receive Documentation of Transactions. You will receive a receipt at the time you make any transaction at a Participating Agent location.

10. Application for the Western Union Card. You apply for enrolment in the Programme by returning a completed and signed application form. Application forms are available by contacting us as set out in Section 15.

11. Communications. By signing the communications consent section on the Application Form, you expressly consent to Western Union contacting you in order to promote its products and services and/or sending you communications by e-mail, SMS or other means. If you do not wish for us to contact you using these methods, please contact us as set forth in Section 15 below.

12. Disclosure of Account information to Third Parties. By signing the communications consent section on the Application Form, you agree that Western Union and its Participating Agent locations may store, retrieve, access, process, transmit and use all information about you that you provide in connection with your participation in the Programme. To the extent permitted by applicable law, you also agree that Western Union may contact you regarding our products and services which we believe may be of interest to you and that Western Union may disclose the information that you provide to Western Union to third party suppliers who may contact you regarding products or services which relate to your participation in the Programme. If you do not wish to be contacted by parties other than Western Union and its affiliates and Participating Agent locations or if you do not wish to be contacted with details of our products and/or services, please contact Western Union in the manner set out in Section 15 below.

13. Our Liability to You. Except in the case of wilful negligence or as otherwise required by law, WESTERN UNION SHALL NOT BE LIABLE TO YOU FOR DAMAGES FOR DELAY, NON-DELIVERY, NON-PAYMENT OR UNDERPAYMENT OF YOUR TRANSACTION BEYOND THE SUM OF €250 (in addition to refunding the principal amount of the payment and the transaction fee). IN NO EVENT WILL WESTERN UNION BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL LOSSES OR DAMAGES. If Western Union or any Participating Agent location accepts payment from you in any form other than cash, Western Union has no obligation to make payment to your Receiver if the form of payment from you is un-collectable and has no liability for damages as a result of any ensuing non-payment. Western Union shall not be responsible or liable for any products which are provided to you by a third party supplier, the provision of which shall be subject to that supplier's terms and conditions. THIS CLAUSE WILL NOT AFFECT YOUR STATUTORY RIGHTS AS A CONSUMER.

14. Foreign Exchange. In addition to the transfer fees applicable to each transaction, Western Union will apply a currency exchange rate to convert your funds into foreign currency. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Western Union will be kept by Western Union (and, in some instances, its agents) in addition to the transfer fee.

15. Contacting Western Union. You may contact Western Union to obtain a copy of the data that Western Union maintains about your participation in the Programme, to correct any personal data kept by Western Union, to change your data privacy election, to withdraw from the Programme, to report a lost or stolen Card, to request a replacement Card, or with any other questions about the Programme. You may call Western Union on 00800 322 2392 free of charge, from Monday to Friday, 10:00am to 07:00 pm, or write to us at: Western Union, Basildon House, Christopher Martin Road, Basildon, Essex, Great Britain, SS14 9AA.

16. Dormancy. If you do not use your Card for a period of two years, we may suspend your participation in the Programme without notice to you.

17. Assignment. We may assign this Agreement without obtaining your consent. Notwithstanding any other provision in this Agreement, you may not assign or transfer your Card or allow others to use your Card without our prior written consent. However, you will be responsible for any unauthorised use of your Card unless and until you report it lost or stolen to Western Union.

18. Governing Law. This Agreement shall be governed by and construed in accordance with Irish law and you and we hereby agree to submit to the non-exclusive jurisdiction of the Irish courts.

19. Provisions Severability. If any provision of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement will not be affected.

20. Amendment. We may, from time to time, amend the terms of this Agreement with prior written notice to you. By initiating a Western Union money transfer transaction or by receiving a money transfer using your Card after this Agreement is amended or changed, you will be agreeing to any such amendment or change. At any time, you may obtain a copy of this Agreement, as amended, by writing to Western Union at the address set out in Section 15, or from most Participating Agent locations.

21. Cancellation. We may cancel the Programme, this Agreement or your entitlement to participate in the Programme immediately and with notice to you. You may cancel this Agreement at any time by notifying Western Union in writing. If you do this, your participation in the Programme will terminate within thirty (30) days after we receive your written request to cancel. Cancelling this Agreement will not affect your obligations under this Agreement to the extent that such obligations are capable of surviving the termination of this Agreement.

22. Printed Receipt. At some Western Union representative locations, the customer money transfer form to be filled-in manually may be replaced by a printed customer receipt including the transaction details provided through the Card and verbally. This printed receipt will only require your verification and signature. In that situation, the transaction information may be stored in Western Union system before the receipt is generated; however, the transaction details can be modified without prejudice before you sign the receipt, provided the transaction is still unpaid.

23. Terms and Conditions Modifications. Western Union terms and conditions may vary from time to time. The updated terms and conditions are on the back of the receipt, are also available at the point of sales on request and at www.westernunion.gr website.

24. Fraud. Protect yourself from customer fraud. Be careful when a stranger asks you to send money.

25. Agreement. By using your card you agree to the full terms and conditions of the programme. If you do not agree, please either return the card to any agent location or destroy the card immediately. Western Union may hold data pertaining to you in the EEA or elsewhere in order to administer your WU Card. Please see the terms and conditions governing use of the card and for other details on data usage in the welcome pack that you will receive in response to this application.

WESTERN UNION IN GREECE Principal Agent:
Christopher C. Varvias & Associates S.A.