WESTERN UNION

WESTERN UNION has been in the money transfer business for 150 years. Its record of serving its customers is therefore well established. In partnership with local agents, Western Union operates in 365,000+ locations in over 200 countries and territories in 4 major regions worldwide.

The Western Union Money Transfer service allows consumers to use the convenience of the internet to transfer funds online almost anywhere in the world, using their U.S., Canada, U.K., Austria, Australia, France, Ireland, Norway, or Netherlands bank issued Visa or MasterCard credit or debit card. The service allows customers to (a) send money to friends or family, (b) conveniently make purchases (helping loved ones pay for every day expenses); (c) travel (both emergency needs and for the convenience of cash payout in local currency); and (d) send money as a gift of cash.

Customers can choose to have the money they are sending received by recipients either within minutes or at some later time.

MONEY IN MINUTES

Customers may send money now and their recipients anywhere in the world can receive it within minutes through online, phone or agent location services.

Online

With computer and internet connection, credit or debit cards can be used to pay for online and phone transfer services. You may register to apply for this service here >>> www.westernunion.com/ Once signed up, you can proceed send money following the steps outlined for you in the website. You need to be ready with data – such as the city and country where your money will be received – to complete the whole process.

On the Phone

You can also use your phone to send money 24/7 to friends and family all over the world. Western Union has thousands of participating agent locations around the globe. You can use your credit or debit card to send money by phone--it's reliable and convenient. Dial 1-800-CALL-CASH (1-800-225-5227) and its operators will assist you. If you want to use this service but you have no credit card, you can apply for one by clicking here.

At an Agent Location

You can pay with cash at an agent location. There are more than 320,000 participating agent locations worldwide. You can find them at conspicuous like supermarkets, check cashers, convenience stores, pawnshops, cooperatives, etc.

THE NEXT DAY

Funds arrive first thing the next morning. To use this service—

• Be ready with the receiver's name, city, and country available.
• Use cash at an Agent location. Payment by debit card with PIN is available at participating agent locations.

Please note, however, that this service is not available in all locations, including the Philippines.

BANKING DAYS

Funds are sent directly to a qualifying bank account.

This option is an easy and economical way to send money directly to a qualifying bank account. Funds are generally deposited within three to five banking days depending on destination. To apply for this service—

• Be sure to have your receiver's bank account information available.
• Use cash or debit card with PIN at an Agent location. Use your credit or signature debit card online.

FEES

Fee rates depend on location and timeliness. As an example, the fee for an online transfer service is USD 68 for sending an amount of USD 1,000 from California, USA to any agent location in the Philippines. To have an idea of how much the recipients will get in Philippine pesos, customers can also view from the Western Union website the daily currency exchange rates.

OTHER SERVICES

Western Union offers other services, such as Making Payments (Bill Payments, Inmate Payments, Convenience Pay and Cash Payments), Money Order, Prepaid Services (Card and Phone), and Gold Card Rewards.

THINGS TO REMEMBER WHEN SENDING MONEY

There are restrictions in the use of Western Union’s money transfer services that are not mentioned in detail here, such as regulatory issues, fund limits and availability of the services in certain locations.

For clarifications, you can access the related information by visiting their website here www.westernunion.com/ or by calling them by phone at Customer Service Center at 1-800-325-6000.

Protect Yourself from Fraud. Don't Send Money—

• To someone who you don't know
• To claim lottery or prize winnings
• Based on a promise to receive a large amount of money
• Because you were "guaranteed" a credit card or loan
• In response to an Internet or phone offer that you aren't sure is honest

If You Already Sent Money

If you suspect fraud on a money transfer you already sent, contact Western Union at 1-800-325-6000. If your money has not yet been picked up, it will be returned to you.