1. I have in my capacity examined and verified remittance instructions/details on this form and certify them to be accurate to the best of my knowledge. 2. I declare that I am the legal owner of the funds subject of this transfer, and I have the capacity and authority to carry out this transfer. I also acknowledge the full and complete awareness of the beneficiary; the source of funds is legal, and the amounts are transferred for the purpose of legitimate use. 1. I hereby indemnify AMIEC against any liabilities or claims for damages arising for reasons beyond AMIEC's control (including and not limited to FORCE MAJEURE) or from unforeseen/unanticipated events (including but not limited to the change of laws or procedures in the country in which the remittance is payable. In any case I accept that AMIEC's liability is restricted to a maximum of refund of the amount transferred less the AMIEC charges and exchange adjustment. I am aware that I am not entitled to any exchange gain in case of refund. **Terms & Conditions of Western Union Transactions** ----- \1. Western Union Money Transfer transactions can be sent and picked up at most Western Union Agent locations worldwide. Regular money transfers are usually available within minutes for pick up by the receiver, subject to the opening hours of the receiving Western Union Agent (" Agent ") location. Exceeding limitations, regulatory restrictions or other restrictions in certain countries may delay the transaction. Western Union does not act as the agent or representative of any bank for any purpose and does not accept deposits on behalf of any bank. \2. Western Money transfers will normally be paid in cash, but some Agents may pay by cheque or a combination of cash and cheque or may offer or the receiver may choose other ways to receive funds and some money transfers may be paid to accounts. All cash payments are subject to availability, receivers showing documentary evidence of their identity and providing all details about the money transfer required by Western Union, including sender's and receiver’s names, country of origin, approximate sum, money transfer control number and any other conditions or requirements applicable at the Agent location. \3. The sender authorizes Western Union to honor the receiver's choice of method to receive funds even if it differs from the sender's. Cash money transfers shall be paid to the person that Agents deem entitled to receive the transaction after verification of identity often 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. In some destinations the receiver may be required to provide identification, a test question answer or both to receive funds in cash. Test questions are not an additional security feature and cannot be used to time or delay the payment of a transaction and are prohibited in certain countries. Applicable law prohibits money transmitters from doing business with certain individuals and countries. \4. Customers are sometimes required to provide additional identification or information, delaying transactions. \5. TRANSFER FEES: Written information explaining how Western Union charges the sender for making a money transfer will either be displayed prominently at the Agent location or shown to the sender prior to completion of the payment order. In certain cases, payment of a money transfer may be subject to local taxes and service charges. \6. FOREIGN EXCHANGE: Money transfer payments will normally be made in the currency of the destination country. In addition to the transfer fee applicable to each transfer and 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 transfer and the receiver will receive the foreign currency amount shown on this form. 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 and any amounts shown on this form may be subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the funds. \7. SPECIAL SERVICES: Where available, Western Union offers free SMS notification to indicate that the transaction has been collected by the receiver (for the sender) or that funds are available for collection (for the receiver). Western Union will send SMS messages to a third party gateway for delivery. \8. ACCOUNT BASED TRANSFERS: Where available, the receiver may incur additional fees for receiving the sender's funds through a mobile telephone or to a bank or other account. Additional costs or delay may occur if transfers are not sent to a local (receiver) currency account. The receiver agreement with its mobile phone service, mWallet, bank or other account provider governs the account and determines their rights, liability, fees, funds availability and account limitations. In the event that the account number provided (including mobile phone numbers for mobile accounts) does not belong to the named receiver, the transfer will be credited to the account number provided by the sender. Western Union may make money from fees associated with use of an account. REFUND Western Union will refund the principal amount of a money transfer upon the sender’s written request if payment has not made or credited. Transfer fees are not refunded if the transfer is stopped at the sender's request. \9. LIABILITY: Western Union disclaims all liability in respect of the sender's relationship with the receiver, without limitation, in respect of the delivery or suitability of any goods or services paid for by means of a Western Union money transfer. The sender's transaction data is confidential to him and should not be shared with any other person other than his receiver. The sender is cautioned against sending money to any person he does not know. In no event shall Western Union or any of its Agents be liable if the sender communicates transactional data to any person other than his receiver. To the extent permitted by law, in no event shall Western Union or any of its Agents be liable for damages for delay, nonpayment or underpayment of this money transfer, or non-delivery of any supplemental message, whether caused by negligence on the part of their employees or agents or otherwise, beyond the sum equivalent to US$500 (in addition to refunding the principal amount of the money transfer and the transfer fee). In no event will Western Union or its Agents be liable for any indirect, special, incidental, or consequential damages. The foregoing disclaimer shall not limit Western Union's or Agent’s liability for damages resulting from Western Union's or Agent’s gross negligence or intentional misconduct in those jurisdictions where such a limitation of liability is void. The foregoing disclaimer shall not exclude Western's Union nor its Agent's liability for any condition or warranty that cannot be excluded by law including any implied warranty that it will render services with due care and skill, and Western Union's and its Agent's liability for breach of such condition or warranty shall be limited to the greater of the cost of providing the affected service again and the sum equivalent to US$500. \10. DATA PROTECTION: Your personal information is processed under applicable laws and is controlled by Western Union for the purposes of providing the requested services. Your information is used to provide you with the services you have asked for and may also be used in connection with other services, products, convenience and/or rewards programs, you signed up for with Western Union or its affiliates, and, subject to your choices, send you commercial communications. Providing your information and that of the receiver of our services is voluntary but necessary to execute the transaction. You consent to Western Union disclosing or transferring your information and Third Party Information to third parties to carry out transactions. Western Union may also disclose such information to third parties, where reasonably necessary, for the purposes of the prevention, detection, investigation and prosecution of crime, or when required by law, and the recipients may further disclose the information for these and other related purposes. If you wish to exercise your rights to access, request a copy, correct, erase or block your information or no longer wish to receive commercial communications from Western Union, please call 00965-22282345 during regular business hours. The Western Union Money Transfer Service is provided by Western Union Financial Services, Inc., an American company (for commercial services transactions) and Western Union International Limited, an Irish company (for money transfers), through a network of authorized Agents and representatives. \11. CUSTOMER RELATIONS If you are not satisfied with the service you should call above number. A Western Union Representative will investigate your concerns fairly and will endeavor to do so speedily. 12 Protect Yourself from Fraud: Only use Western Union to send money to friends and family. Never send money to someone you have not met in person. Do not transfer money to anyone for an emergency situation you haven’t confirmed, for an online purchase, for a credit card or loan fee, to claim lottery or prize winnings, for anti-virus protection, for a deposit or payment on a rental property, for a job opportunity, for a charity donation, to pay taxes, to resolve an immigration matter. If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances. If you believe you are the victim of fraud, call the Western Union Fraud Hotline at 1840123 / 00965-22022533 or visit https://www.westernunion.com/kw/en/fraud-awareness/fraud-home.html ##IMPORTANT INFORMATION - Fraud Warning About Your Money Transfer ----- Keep your money safe. If any of the below apply, DO NOT SEND the money transfer. It’s a scam and someone is trying to steal your money. If you send money, it can be paid out quickly, and you may not be able to get a refund. 1. Never transfer money to a stranger. Know who you are dealing with. A money transfer is like cash. 2. Never send money in the following situations: - To make a charity donation or to pay an internet merchant for supplies during a pandemic, natural disaster, or other crisis - To receive money (examples: lottery winnings, prize, job offer or loan) - To pay a government taxing authority or the police - To buy a car, puppy, another unique or high-value item, or to make an apartment deposit 3. Never send money without checking out the story. Reach out to that friend or family member you heard is in need first. 4. If it sounds too good to be true, it probably is. 5. Never give your transaction reference number to anyone other than the person you intend to receive the money. Sellers and telemarketers can’t take money transfer payments from people in the US for something they’re selling through telemarketing. If you’ve lost money to a scam via MoneyGram, call our hotline 1840123 or visit [www.moneygram.com](http://www.moneygram.com/) to file a fraud report.