Terms And Conditions Applicable To The Worldbridge-Payment Institution S.A. Service In Cooperation With Western Union® Phone Order (“Service”)

The Service is offered by Worldbridge-Payment Institution S.A., with trading name PayLink (“PayLink”) in cooperation with Western Union Financial Services, Inc., an American company (for money transfers from the USA, Canada and Mexico and commercial services transactions) and Western Union International Limited, an Irish company (for all other transactions) (together “Western Union”). Paylink is a Greek company with registered offices at 11, Menekratous Street, Athens p.c. 11636, licensed and registered at the Bank of Greece, which is the supervising authority. You can contact the Bank of Greece by mail at 21, El. Venizelou Street, Athens, p.c. 10250, by phone at 210 3201111 or on their website www.bankofgreece.gr Customers may call the number listed below for the address and hours of locations.

PayLink, in cooperation with Western Union, offers the Service domestically and internationally. By completing the send or receive money form, providing the funds to be sent and identification as required, and signing the form, you agree to the execution of the money transfer. Before confirming the money transfer, you will be informed about the maximum execution time, the commission charged and the exchange rate applied to the transaction, via the same channel as the one used to place the money transfer. The sender informs the receiver about the money transfer, including name of sender, country of origin, name of receiver, approximate sum, the Money Transfer Control Number (the “MTCN”) and any other conditions or requirements applicable at the Agent location.

Applicable law prohibits money transmitters from doing business with certain individuals and countries. PayLink and Western Union are required to screen all transactions against lists of names provided by the governments of the countries and territories in which PayLink and Western Union do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is identified, PayLink and Western Union research the transaction to determine if the name matched is the individual on the relevant list. On occasion, consumers are required to provide additional identification and other information, delaying transactions. This is a legal requirement for all transactions processed by PayLink and Western Union.

Conditions of payment and liability – Payment shall be made to the person that Paylink and Western Union deem entitled to receive it after examination of identification documents. The payment can be made only when the recipient has given the transaction details required by PayLink and Western Union, in particular the sum of money transferred, the name of the sender the country from which the money was sent as well as the MTCN. Furthermore, the recipient must identify him/herself appropriately. PayLink and Western Union will have fulfilled their obligation to you as soon as the transferred sum of money has been paid out to a person who has quoted the above mentioned transaction details and identified him/herself appropriately through an identification document and/or a test question if applicable as the recipient named by you. PayLink and Western Union shall examine the transaction details quoted by the recipient and the identification document produced with appropriate care and will refuse payment should there be justification to doubt the authenticity of said identification document.

Phone Order. The order the sender provides via the phone to Paylink to send funds to receiver. The sender calls PayLink’s Customer Service Center, needs to consent to the recording of the conversation and provides the necessary information; the transaction order is drafted and sender receives a payment code regarding the funds plus fees sender needs to pay for the transaction and the MTCN to complete the transaction the sender has to deposit the funds and fees on a Paylink bank account; Provided the exact required amount is received on PayLink’s bank account within the time frame communicated to the sender, the remittance is made available for payment to the receiver. Sender can call the Customer Service Center to receive information about the transaction. A sender who has not performed a will call transaction at Paylink before can only send €150. To perform other Phone Order transactions sender must verify his/her identity by providing an acceptable identification document.

You are obliged to ensure the correctness, completeness and legibility of the information you provide. Furthermore, you must take care to ensure that persons other than the recipient do not gain knowledge of data related to the transfer, such as e.g. you or your recipient’s name, the MTCN or the amount of money transferred. PayLink and Western Union recommend transferring sums of money only to persons you know. PayLink and Western Union do not accept any guarantee for the supply or the properties of goods or services which were paid using the Service. – 2 – If you believe your transaction details have been stolen, lost or copied contact Western Union immediately by calling 0800-833-833*. Prior to reporting such a loss, theft or improper use to Western Union you shall only be held liable if (i) you have forwarded transaction details to persons other than the recipient, which contributed to the improper use or (ii) did not immediately communicate the loss, theft or improper use or (iii) acted with intent to defraud, willfully or with gross negligence. Paylink and Western Union shall be held liable for damages resulting from the intentional misconduct or from the gross negligent conduct of its employees while processing your transaction pursuant to applicable law. PayLink and Western Union’s liability, the liability of its affiliated companies and of its foreign Agents is excluded in cases of minor negligence. The liability of PayLink and Western Union is limited to the refund of the typically foreseeable damage of the contract up to the maximum amount of EUR 500 (in addition to the amount transferred and any charges). In no event shall PayLink and Western Union be liable if you have willfully or negligently disclosed data related to the transfer to persons other than the recipient. Paylink and Western Union shall not be held liable for damage caused by Force Majeure, the breakdown of telecommunication lines, civil unrest, war or other events which are outside Paylink and Western Union’s influence (e.g. strike, industrial lock-out or orders issued by government authorities). Where PayLink and Western Union or its Agents accept a cheque, credit or debit card or other non-cash forms of payment, neither PayLink nor Western Union or its Agents is obliged to process the money transfer or pay it out, if the payment cannot be cashed. Furthermore, neither PayLink nor Western Union or its Agents shall be liable for damage caused by a non-payment to a receiver due to the collection by PayLink or Western Union or its Agents of non-cash form of payment or caused by the fact that the money transfer has been effected only when PayLink and Western Union or its Agents have been able to cash the particular payment. PayLink and Western Union or its Agents may refuse to provide the Service to any person, without giving a reason, in particular to prevent fraud, money laundering or terrorist financing or to comply with any applicable law, order of a court or requirement of any regulatory or government authority.

Funds will be available for collection by the receiver at the latest by the end of the business day that follows the day on which the send amount and transaction fees were received by PayLink and Western Union or its Agent (“Date of Receipt”), subject to statutory and regulatory requirements. For money transfers issued in paper form, this deadline is extended for one more business day. For (i) money transfers occurring outside of the EEA or (ii) for money transfers in which there is more than one currency conversion between the euro and the currency of one of the non-eurozone member states of the European Union or EEA occurs or (iii) for a possible cross border money transfer which does not occur in euro, funds will be available for collection by the receiver at the latest by the end of the fourth business day following the Date of Receipt. Regular money transfers are usually available for pick up within minutes, unless the “Next Day” or “2 Day” Service is chosen when funds will be available for collection by the receiver after 24 and 48 hours respectively from the time the money is sent. Funds may be delayed or Services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply.

You must be of majority age to use the Service. Applicable law prohibits money transmitters from doing business with certain individuals and countries, and Western Union will not be able to provide the Service to those individuals and countries.

Details of the fees and charges which you will be required to pay to PayLink and Western Union for the Service, as well as details of the exchange rate(s) which will be applied, are provided on this form. Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternate currency). The exchange rate may be an estimate only, and the actual exchange rate will be determined at the time the money transfer is confirmed in the system. All currency is converted at Western Union’s then current rate of exchange. Western Union calculates its rate of exchange based on commercially available interbank rates plus a margin. PayLink and Western Union and its Agents may make money from currency exchange. Most rates of exchange are adjusted several times daily in line with the prevailing rate of financial markets globally. To the extent allowed by law, Western Union may deduct an administrative charge from money transfers that are not picked up within one year of the date of receipt.

The receiver may incur additional fees for receiving the sender’s funds through a mobile telephone or to an account. The receiver’s agreement with its mobile phone service, mWallet or other account provider governs the account and determines their rights, liability, fees, funds availability and account limitations. In the event of an inconsistency between the account or mobile number and name of the receiver, the transfer will be credited to the account number provided by the sender. Western Union accepts no responsibility to the sender nor – 3 – to any account holder for any fees, exchange rates used for conversion to non-local currency, acts or omissions of the destination or intermediary financial service providers. Should sender or receiver request SMS notification to indicate availability or payout of the funds, charges applied by the service provider are the exclusive responsibility of the sender or receiver.

Cancellation and Refunds – You may cancel the transaction at an Agent location or by calling 210 9005000 or toll free 8001002020 up to the time at which the receiver has picked up the money. Once cancelled, PayLink and Western Union will refund the principal amount, deducting the transfer fee applied for the Service. Refunds typically take up to 10 business days. You may request a refund of the principal amount of a money transfer by writing to PayLink by letter or email if payment to the receiver is not made within 45 days. PayLink or Western Union will refund the transfer fee upon your written request to PayLink by letter or email if the money transfer is not available to the receiver within the timelines specified above, subject to delay not being due to conditions beyond the control of PayLink, Western Union (or the Agents), such as regulatory requirements, inclement weather or telecommunications failure. Payment of some money transfers may be delayed as a result of the application of United States or other applicable laws. Western Union offers free SMS notification in some countries to indicate to the sender that the transaction has been collected by the receiver or to the receiver that funds are available for collection. Western union is not responsible for any charges payable by the sender or receiver associated with SMS messages.

In the event you have a complaint, believe an error has been made or have an enquiry in relation to the Service, please contact customer services [info at the end of the form]. We will investigate your request and provide you with regular updates on its progress. An acknowledgement of your complaint will be sent to you within 5 business days of the complaint being received. The acknowledgement will contain the date of receipt plus a reference number, which should be used in all further communications with PayLink. If you are dissatisfied with the resolution proposed by PayLink, you have the right to refer your complaint to the General Secretariat for Consumers or the Consumers’ Ombudsman at Leof. Alexandras No144, 1441, Athens, Greece tel. 2106460862, 210 6460814, fax: 210 6460814 email: grammateia@synigoroskatanaloti.gr, site: http://www.synigoroskatanaloti.gr.

Paylink Customer Service Center: 210 9005000 or (toll free) 8001002020, Monday to Sunday 8:00 – 21:00. e-mail: info@paylink.gr