Terms & Conditions for Brazil

CUSTOMER’S REPRESENTATIONS

“The customer represents to be fully aware of the text of Article 23 of Law No. 4131, dated September 03, 1962 and specially its §§ 2 and 3, with the wording given by Article 72 of Law No. 9069, dated June 29, 1995, both described below, as well as the International Capital and Foreign Exchange Market Regulation, which governs this operation: “§ 2 False declaration of identity in a form that, in the counterparts and according to the template determined by the Central Bank of Brazil, shall be required in each operation, signed by the customer and certified by the bank and by the broker who intervenes in it, constitutes an infraction attributable to the bank, the broker and the customer, being punishable with the application of a fine from fifty (50) to three hundred percent (300%) of the operation amount to each one of the offender. § 3 False declaration of information in the form referred to in § 2 constitutes an infraction for which the customer is exclusively responsible, punishable with the application of a fine from five (5) to one hundred percent (100%) of the operation amount”.

“The customer also represents, for all purposes of law, that: (i) all information provided to Western Union Corretora de Câmbio S.A. (“WU”) with respect to the receiver of this Money Transfer is true; (ii) the receiver resides or is currently in the location where the funds will be made available; (iii) the customer knows and relies on the receiver; (iv) he/she assumes responsibility, pursuant to the applicable legislation, for the truthfulness of all information provided to WU as a result of the Money Transfer services contracted with WU; (v) he/she will share the data of this transaction only with its receiver; and (vi) he/she is aware that WU will not be responsible for any frauds arising from untruthfulness of the information declared herein”.

TERMS AND CONDITIONS OF WESTERN UNION MONEY TRANSFER SERVICE

Western Union Money Transfer transactions (“WU”) are generally made available to the receiver within minutes in most of WU Agent locations (“Agent/s”) worldwide, subject to the working hours of the Agent that pays the transaction in the destination country. Before payment, the Agent will verify the identity of the receiver against identity documents and certain transaction data to be provided by the receiver. The transaction data to be provided by the receiver will be determined by WU and may include, among others, the transaction MTCN (Money Transfer Control Number). The applicable laws prohibit operations with certain individuals and countries. The operations may be postponed or refused if WU determines that the transaction may violate any of its laws or policies. The payments are usually made in the currency of the destination country, less applicable taxes and service fees (in some countries, the payment will be available only in US dollars or other currency). In addition to the fee applicable to each transfer, every currency will be converted at the exchange rate currently used by WU. The currency will be converted at the time of transfer, and the receiver will receive the amount in foreign currency indicated in this form. However, for transfers to certain countries, the currency may be converted at the time of receipt of the transaction, therefore any amounts indicated in this form are merely indicative, being subject to the fluctuations of the exchange rate from the moment of transfer to the moment in which the receiver withdraws the funds. WU’s exchange rate may be less favorable than some commercial exchange rates used by banks and other financial institutions. Additional information about exchange rates for specific destination countries may be obtained by phone at 0800-707-9330 or in our website: www.corretorawesternunion.com.br. The fees charged for the transfer service may not be refunded if the transaction is cancelled. WU DOES NOT ASSUME RESPONSIBILITY FOR THE DELIVERY AND/OR QUALITY OF ANY PRODUCT OR SERVICE ACQUIRED BY MEANS OF SUCH MONEY TRANSFER. Your personal information is processed and controlled by WU. WU collects and uses personal information (“Information”) provided at the time of the money transfer, jointly with other information collected or generated during the course of its relationship with WU (e.g. history of transactions, marketing preferences and information related to your loyalty program), with the purpose of providing the contracted services in an adequate and complete manner. Among other activities related to the contracted services, the Information will be used to provide customer service, validate user, prevent frauds, and perform product and business development activities, and will be included in direct mailing lists for marketing purposes (including sending business communications by mail, telephone, e-mail, SMS, MMS). WU may also use the Information for other services, products and/or loyalty programs you have contracted with WU or its affiliates.

When determined by the legislation, WU may disclose the Information to the competent agencies, in compliance with the provisions of the applicable regulation. You may request that WU include, amend or correct the Information contained in your registration within the scope of provision of the contracted services.

When contracting Western Union Money Transfer service, you consent and agree to:

(i) the use of the Information by WU in the manner indicated in these Terms and Conditions; and

(ii) the disclosure of the Information by WU to any company affiliated to WU Group, pursuant to Article 1, Paragraph 3, Item V of Supplementary Law No. 105, dated January 10, 2001.

The Money Transfer service performed by WU is provided (i) by Western Union Financial Services, Inc., a North-American company, when performed to transfer funds from and to the United States, Canada and Mexico, as well as in operations related to commercial services; (ii) by Western Union International Limited, an Irish company, when performed to make all other international transfer of funds through a network of authorized Agents and representatives throughout the world; and (iii) by Banco Western Union do Brasil S.A. for all transfers within the Brazilian territory.

Please read the Terms and Conditions carefully and visit www.corretorawesternunion.com.br to obtain more information about the Western Union Money Transfer service.

WU WARNS THAT THE TRANSFER OF FUNDS TO A PERSON NOT KNOWN TO THE SENDER MUST NOT BE MADE. THE INFORMATION AND DETAILS OF THE MONEY TRANSFERS MUST BE SHARED ONLY WITH THE RECEIVER.

IN ADDITION TO THE FEES APPLICABLE TO THE TRANSFERS, WU AND ITS AGENTS MAY OBTAIN BENEFITS THROUGH THE EXCHANGE OF MONEY.