GENERAL CONDITIONS. The Money Transfer service offered by RTH EXPRESS INTERNATIONAL AB is allowed only for people over 18 years old.

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1 GENERAL CONDITIONS The Money Transfer service offered by RTH EXPRESS INTERNATIONAL AB is allowed only for people over 18 years old. We recommend that you read and understand the Terms and Conditions of RTH, before sending a Money Order. For security reasons, all transfers will be recorded. RTH will retain the right and obligations to prevent and detect any kind of activities not conform to the existing regulations governing the operations of the money transfer. You must certify that all the information provided to RTH EXPRESS INTERNATIONAL AB is correct and complete. Any false or incomplete information may delay the process of your transfer. You may not be able to transfer money in the delivery system via Internet, if you are not a customer properly identified of RTH International Express AB. RTH International Express AB, Org. N , is governed by the laws of the Kingdom of Sweden. In case we verify that the information provided to us is incorrect, the money transfer will be retained for a period of time, necessary to allow us to request documentation and information to prove your identity before we proceed. For people who receive the money transfer from abroad to pay in Sweden by RTH International Express AB shall communicate by telephone and / or visit any of our offices. Compliance with service quality and information security is our daily goal Sending money is an easy payment transaction where the client sends through RTH a certain amount of money to a specific person and within minutes (depending on opening hours of the receiving agent) the beneficiary can withdraw the money quickly and safely in any office authorized payment. RTH offers you the convenience of sending your money easily and safely via Internet at the moment you decide, you can do it from your home, your work or via your mobile phone; you only need to be a customer of RTH and have access the Internet. Our Money Transfer System allows us to deliver real-time monitoring of all operations of money transfers. RTH is one of the most effective companies in the transfer market in Sweden and its continuing growth leads us to maintain a fixed fee and cost for sending money to: (Special Rates to Russia, Ukraine and Uzbekistan). The offering price of RTH for the service of sending money is 70 SEK per transaction, even if you send the maximum amount SEK- allowed per day, note that there are countries that their national standard reduces the maximum amount of money transfer, for example Argentina, Colombia, El Salvador, Honduras, India and Mexico, among others, because of this, we recommend your confirmation before making a money transfer. Our Money Transfer system allows us to pay or receive a payment order or from a network of more than 56,000 offices in over 115 countries. Not to mention that every day, our network of payment and delivery continues to grow internationally, with new businesses that adds to our worldwide network of Money Transfer. RTH works only with Banks and Money Transfers authorized agents in each country.

2 Your money transfer with RTH will always be Safe, Fast, and Affordable Our service of money transfer is from person to person; the beneficiary of your money transferred doesn t need to have a bank account with the agent you have designated. If the service was not satisfactory and the recipient has not cashed the money, you have the right to request a refund of the amount of the money transferred and the fee of the shipping service. Our Money Transfer system allows the sending of your money to be made on the same day, which is if all the process has been followed accurately. Conformity with all safety standards to the customer and to the company, RTH works with a system of internationally authorized Money Transfer. Each transaction is processed with a unique control number (Safety Code for collection), which gives us the total follow of the money transfer. The beneficiary must always give the nine-digit Security Code Collection provided by RTH or the eleven numbers that is used only in certain countries (Argentina, Mexico, Honduras and El Salvador) as applicable to the paying agent chosen and also submit and identification (passport or national identification card) in force. RTH meets the regulations of the Personal Data Act (PUL), which entered into force in Privacy Act is based on common rules adopted within the EU, known as the Data Protection Directive The moment you are interested in sending money to a particular beneficiary. You provide us with your personal information, and agree that RTH EXPRESS INTERNATIONAL AB to recorded, which also allows you to get your (GLOBE-CARD)-Customer Card, that makes it easy to perform transfers with RTH. All personal information we receive from our clients is confidential in accordance with the Law on Protection of Personal Data. This information is used only to sign the agreements with respect to the processing of the shipping or payment of your money transfer and in order to assert the rights and obligations of the client and RTH. The GLOBE-CARD has 8 digits to identify the customer quickly and easily in the Money Transfer System. The card is un-transferable and the customer must show along with their identification for security. In case of loss, the customer must come to our office to request the replacement of the same or contact the Customer Service Platform to the telephone number , or by to Clients who send their data via to be registered, they will be provided with the GLOBE-CARD number, and the physical card we will send to their home address, to make this possible, it is important that the address that is recorded in the form on this website is correct, since it is the responsibility of the customer the proper use of the card. Make sure your address is correct, because all the information of the money transfer will be sent to the one you provided. If you change your , you must personally update your personal information with RTH, we must be fully confident that you are the person making the change (Data Verification / Customer ID). In case there is an error in recording your personal information or change of address, we ask you to provide this information as soon as possible to update it in the system.

3 Order process via Internet Once the client has sent the transfer order and deposited the money in one of our 3 bank accounts, it must wait at least 30 minutes to allow the transaction to be processed and then we will send the information to the address with the secret code. By using our service you agree to and accept our rates for each money transfer, we do not proceed to the transfer if you do not agree to the terms of RTH in the form of transfers via Web. The bank accounts of RTH Express AB International are: Nordea Bank account no Swedbank account no SEB account No To avoid delays, we recommend you do the transfer on the bank of the same name where you have your account; for example, if you have Nordea account, deposit the money in the account of Nordea RTH. This money comes into our account immediately and we will expedite all procedures for the preparation of your transaction. Remember that transferring money from one bank to another bank mostly take 1 business day. Be sure to type in your bank transfer to our account, your customer number or personal number, name and surname (in the message box) we need this reference to identify the deposit is yours. The banking secrecy in Sweden does not allow us to see who is the owner of the account from which the transfer is made. We will not proceed with the transfer until we have the proof that it is you who made the deposit. In keeping with our policy of control, transfer made through the web, will not be sent if your money is not registered in our bank account. You will always receive information and answers of their transfers from RTH Express International AB from these s: For a fast and efficient transfer, the client must provide us with the correct information of the beneficiary, since RTH is not responsible for the delay or complications that this may cause. RTH is not also responsible if for reasons of war, natural disasters or whatever you mean by major force, the order cannot be paid at the destination. However, the client has the option to request a full refund by completing the appropriate reimbursement form Repayment form Rates With RTH price is 70 SEK per transfer, regardless of the amount of money you sent. (RTH also reserves the right to launch campaigns with the prices and offers that are subject to certain time and communicate to clients in our offices and on the website) Money transfer charges are set by Sigue, RTH International Express AB adds a financial fee of 70 sek for money transfers from 801 sek up till sek to cover other service and financial costs. Payments to RTH should always be in SEK. The beneficiary collects the money in the country selected in the currency used for payment in that country, USD, Euro or local currency.

4 In addition to the transfer fees applicable to each transaction, RTH apply an exchange rate to convert their foreign currency funds and retain any difference between the exchange rate offered to customers and the exchange rate received by RTH. The minimum amount of transferring is 75 SEK a minimum equivalent of 10 USD and the maximum amount allowed is SEK per transaction. However, you should understand that there are countries like Argentina, Colombia, El Salvador, Honduras, India, Mexico and Peru, among others who have their own national regulations for transfer payments, because of this we always recommend to our clients to call our offices for more information on the rules of each country. If you send an amount greater than allowed in the country of destination, your transaction will be suspended immediately. You will be always welcome to request information about the rules in each country you wish to send money. Remember that while you have not received your number of GLOBE CARD (Customer Card) you cannot send money via RTH is governed by the rules to prevent fraud, money laundering or terrorist financing Accordingly, RTH is not obligatory to transfer money if we cannot receive proofs of identity, or if the information of you or your beneficiary is incorrect or incomplete, and even if they happen to be reasons to suspect that the transaction doesn t comply with the rules governing the operations of money transfer. RTH is not responsible for damages that may result from a transfer made through the Web Service, if RTH does not met with any of the above rules. RTH can request a data update to its clients in compliance with its safety manuals or when the customer makes changes to its information, for example: address where the client receives the information from RTH about modifications, cancellations, etc. of a transfer. Reimbursement You are entitled to a full refund of the money deposited (including commission) if requested, long as the beneficiary at the destination has not cashed the money. To request a full refund of your money, you must complete and submit the Reimbursement Form. Fill out the Reimbursement Form correctly. It is the client s responsibility to provide the correct information of its account where RTH will refund the client s money. If you prefer personalized attention, you are welcome to attend any of our offices at the following times: Monday to Friday from: 10:00 a.m. to 6:00 p.m. Saturdays from: 10:00 a.m. to 1:00 p.m. The Reimbursement Form must have the correct information of the client s GLOBE CARD number (number of Secret Code Collection), the bank account number and bank s name. Provide correct information from your bank account is your responsibility; RTH will be supported on the information obtained from the Form to refund the money to the customer s account. International Currency Exchange Our Money Transfer System allows us to give values of international currencies in real time, these may vary during the day, and we recommend that you contact us at the moment you making the transfer to give you the most accurate information. Coinstar Money Transfer only updates exchange rates. The beneficiary will receive the foreign currency amount RTH has offered, as long as you make the order and payment of the

5 transfer at the same time. Transaction to be charged in Sweden For us to be able to accept your request for payment you need to send us an to with a copy of your valid ID or if you prefer, you can send it to us at the following address: RTH INTERNATIONAL EXPRESS AB Tomtebogatan Stockholm. * Do not send us copies of personal identification by fax. We will not accept it. In addition to sending us a copy of valid ID, you also must complete the Giro to collect in Sweden to be charged in Sweden. Cancellation of the transfer If you request the cancellation of an order to send money and want to request a full refund of your money, this will be done immediately provided that: a) The order has not been sent. b) The system allows us to terminate / cancel the transfer, verifying that the order has not been paid. There are cancellations that may take at least 1 business day but first we need to confirm in the country of payment that the order has not been paid and can be canceled. c) Once we cancel the order we will refund the full amount of your money from our main account in Nordea for accounting compliance. If you have an account at another bank other than Nordea, it is possible that the full refund of your money delays maximally one business day after we confirm from our side the cancellation of your order. Fill out the Cancellation Form correctly. It is the customer s responsibility to provide correct information of the account so that RTH can refund the client s money. The cancellation will not take place if the money has already been cashed in the City / Country of destination by the recipient. Cancellations will not be carried out by phone or fax. Modifying a Money Transfer Some countries allow us to modify a transfer without having to cancel it, in others not. It is important to consider this rule. It is impossible to modify an order that has already been cashed. We recommend that you always send us the correct name of the beneficiary from the beginning to avoid problems with your money transfer. Amendments may not be conducted by telephone, fax or by third parties, only be processed directly requested by the Client.

6 Neither can make modifications from the destination countries. All transactions conducted personally at any of our offices of HRT, should follow the procedures of: cancellation, refund or modification, previously showing identity documents and the original receipt of the transfer. In the event the client makes a transfer via web, it must request the modification of the transfer by completing the Form of Modification. Do not forget that we must always check that you are the person who made the modification of the transfer, because of this you must identify. Compliance to Money Transfer norms and regulations RTH must follow all rules and recommendations for prevention of money laundering. The Swedish law is based on the third European Union directive on money laundering, which means that all financial institutions within the Union have the obligation to prevent money laundering. RTH is obligated to verify our client s identity, and to understand the purpose of relationship-rth, and even the reason for the different transactions to prevent money laundering and terrorist financing. It may be considered unusual transfers or cases in which RTH do not understand the reasons for the same. RTH is required to ascertain the reason for the transfer, the source and even request backup source of funds. According to a variety of international laws of the European Union and the fight against Money Laundering, we are required to report and disclose any suspicious transactions. The service of sending money is only allowed between people who know each other. You should send money only to people close to you as a family, relatives or friends of affection; you should not be exposed to risk sending money to a stranger. Do not send someone else money on your behalf. The person, who cannot prove their identity or respond to questions to prevent Money Laundering, cannot be considered as a client of RTH Express International AB. RTH may refuse to initiate or complete a transfer or payment, if we suspect money laundering or fraud. Finansinspektionen (FI) in Sweden is an agency that supervises companies in the financial market and contributes to the financial system to function effectively and stable. RTH EXPRESS INTERNATIONAL AB is registered in FI. We recommend visiting for any additional information that will allow you to learn the rules that exist in Sweden that regulate Money Transfer. It is important for RTH and client join forces to fight crime and terrorism. Es importante para RTH y el cliente sumar esfuerzos para combatir la delincuencia y el terrorismo. Observations, Responsibilities and Recommendations RTH International Express AB is responsible for sending all money transfers; the same day we receive the

7 orders and payments of the total amount, or pay in Sweden sent from abroad, as long as it take place during our business days. All orders received after these times, will be processed the following business day. RTH International Express AB will not be responsible for losses due transferring to strangers. RTH neither be responsible to the suffering of the obligations, or if the service does not meet the expectations on both parties in unexpected situations for any direct, indirect or consequential losses. The same goes against third parties. Or for delays that may occur either due to technical problems, lack of communication or other unintentional causes. The client must arrange in advance the transfer of money the beneficiary expects to receive. RTH is not responsible for dilemmas or differences between the customer and the beneficiary. RTH cannot make a transfer, in cities where not applicable, please always check before making a transfer to our customer service to the number The client has the responsibility to report the number of Secret Code Collection to the beneficiary and the correct address of the office to withdraw money. If the Beneficiary does not have this information, cannot collect the money. Our daily goal is to improve the quality of service to our clients. If you have any comments or suggestions in reference to the service that RTH offers, please contact us at We will like to take this opportunity to thank our clients for the trust deposited in RTH during all this years and also to you that is interested for our services Thank you for your trust, thank you for being one of our clients and for allowing AB RTH International Express continues to grow.

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