1. Money anywhere in minutes... !

5. How Xpress Money is competent compared to the competitor ? XPRESS MONEY Is not agent specific Works as agent specific COMPETITIVE BRAND Advtg: Customer loyalty Beneficiaries are informed over phone This service is not provided Advtg: Better customer service Remitter receives the message on the transaction paid to the beneficiary This service is not provided Advtg: Cost saving for customers Pin number not mandatory to receive the transaction Works On PIN Numbers Advtg: Convenience

7. Sender Sending Agent Receiving Agent Beneficiary XPRESS MONEY HOW XPRESS MONEY WORKS ?

8. Major Tie-Ups . . .!

13. How to Operate The XM Application !!

16. F requently A sked Q uestions

23. FAQ FAQ Inform the inability to report the arrival of the XMS to the Xpress Money Help Desk at FS Administrative Office in Kochi at [email_address] and keep trying at regular intervals to convey the message of the arrival to the beneficiary. What will you do when you call repeatedly to intimate the arrival of an XM nobody picks up the phone from the other end? Say specifically you are calling from _____________Firm/Bank, ___________Branch and request him/her to ask the beneficiary to call you back as soon as possible, and mentioning the arrival of the Xpress Money, without going into the details, of course also giving your name and the telephone number. What will you do if the beneficiary is not available at the phone number given in the XM and the person at the other end who has picked up the phone offers to convey any information you want to convey?

25. It is a remittance having a Sender Name or Beneficiary Name which is matching to a prohibited name in the OFAC list.( Office of Foreign Assets Control, more popularly known as OFAC is the area of US Treasury that is responsible for administering and enforcing US Government Sanctions.) It may be a real hit or a false hit. However, the Compliance Officer of Xpress Money has to verify and confirm that the sender/beneficiary are not the one in the OFAC list and then revoke the suspension. Xpress Money Compliance Officer may require information on them and the Xpress Money Agents have to furnish it. Paying Agents are not authorized, under any circumstances, to make the payments of such suspended transactions, unless the suspensions are revoked by Xpress Money. The hardships caused by genuine customers can not be totally avoided because of legal and other such compulsions under anti-money laundering requirements and all has to cooperate in this regard. What is a “Suspended Transaction” under XM? FAQ FAQ

35. Receive Now…?

36. Delta Works….a glance.

37. MoneyGram Receive…

38. Log in …?

39. Reports….

40. F requently A sked Q uestions

42. FAQ FAQ Where can I go to send or receive a MoneyGram? Throughout North America, MoneyGram service is available at selected supermarkets, check cashiers, drug stores, mailbox outlets and other retail outlets. The MoneyGram international network includes premier banking institutions, postal offices, foreign exchange houses, travel agencies, transportation centers and nearly all classes of retail trade. You can find a convenient location in your area by using our MoneyGram agent locator . Or, visit www.emoneygram.com to send money on-line from the U.S. to any of our approximately 92,000 agent locations.

43. FAQ FAQ How much does it cost ? MoneyGram fees are competitive and provide a great value to consumers. Fees vary, based on send and receive cities, country and dollar amount being sent. Please check with your nearest agent or call 1-800- MoneyGram (1-800-666-3947) for details on your particular transaction. How do I pay for the transaction? MoneyGram agents accept cash only for transactions at agent locations. Customers can use Visa® or MasterCard® or ACH debit of their bank account when sending money via the Internet using MoneyGram ® e-Money Transfers . To send money on-line or find more information about this service, go to www.emoneygram.com

44. FAQ FAQ How quickly does the money get there? The money is available for pickup usually within 10 minutes for most types of transactions. How will the transaction be paid out to the receiver? Money transfers will normally be paid out in cash (U.S. or local currency) depending on destination, dollar amount and availability, but could also be paid out in travelers check, money order, a MoneyGram money transfer check or a combination thereof depending on the availability at the agent's location. International payouts vary based on local laws and availability as well.

45. FAQ FAQ How does MoneyGram work? The sender goes to a MoneyGram agent, fills out a send form , pays the agent with cash and receives a receipt with a reference number , which should be passed on to the receiver. The receiver then goes to a MoneyGram location, fills out a receive form , shows identification and receives their MoneyGram. It's that easy! Customers in the U.S. can also send money using MoneyGram ® e-Money Transfers on-line. What if my receiver doesn't have identification? You can include a test question (something only you and your receiver would know the answer to) on the send transaction. This can serve as an identification method for most transactions below a certain dollar amount.

46. FAQ FAQ How much can I send at one time? You can send from $ .01 to $10,000.00 in one transaction, up to $20,000.00 a day for most transaction types. Certain restrictions apply depending on sending location and receive destination. Additional identification and information may be required over certain amounts. What sorts of discount programs do you offer? Sign up for a free MoneySaver Gold Card and receive 5% off your next qualifying transaction. Additionally, we often run price promotions on certain types of transactions and in certain locations. What if I want a refund? Contact your original send location where refunds are normally available.