Receipt 2/28/23, 1:47 PM

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Tracking number (MTCN) 966 619 1350

Date of Transactions 02/28/2023

Receipt
MY WU REWARDS

Points earned: Total points:

My WU #: 409 368 232 1 19

SENDING DETAILS RECEIVING DETAILS

  Eirini Spyropoulou   Iek Delta Voreiou

Ellados
Ermou 45
 Bank account Plateia Aristotelous
Adv Plus Banking 9436
ending in XX9436 Thessaloniki , CENTRAL
  MACEDONIA , 54624
 
  10
 
 Bank account
NATIONAL BANK OF GREECE S.A.
ending in 074

EXPECTED FOREIGN COUNTRY PAYOUT SUMMARY

LOCATION
Transfer amount 209.55 USD
2
Greece Transfer fee + 0.99 USD
Total 210.54 USD

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Receipt 2/28/23, 1:47 PM

DATE AVAILABLE IN FINAL RECEIVER'S Exchange rate2

11 ,,88
COUNTRY 1 USD = 0.9306  EUR
Transfer amount 195.01 EUR
March 03, 2023
Total to Final Receiver 195.01 EUR

For all transfers, Final Receiver may receive less due to foreign taxes.

For transfers to a bank account, Final Receiver may also receive less due to fees charged by
the Final Receiver's bank.

You have a right to dispute errors in your transactions. If you think there is an error, contact
us within 180 days of the date we promised you that the funds would be made available to
the Final Receiver at 1-800-325-6000 or https://care.westernunion.com/us/en/ask. You can
also contact us for a written explanation of your rights.

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment,
unless the funds have been picked up or deposited.

For inquiries and comments, please visit https://care.westernunion.com/us/en/ask or write to:

 
Western Union
P.O. Box 6036, Englewood, CO 80155
or call: 1-800-325-6000

For questions or complaints about Western Union, contact:

Consumer Financial Protection Bureau
1-855-411-2372
1-855-729-2372(TTY/TDD)
http://www.consumerfinance.gov
New Jersey Department of Banking & Insurance
1-800-446-7467
609-292-7272
http://www.state.nj.us/dobi
WUFSI(NMLS: 906983) issues this receipt when you pay WUFSI or its Agent and
WUIS(NMLS: 906985) issues this receipt when WUFSI pays WUIS on your behalf.
The issuance of this receipt is subject to the terms of the pre-transaction disclosure statement
You received before You paid for the transaction and our Terms & Conditions.

  Legal disclaimers and important info.

When you send money outside of the U.S. or its territories, the term "receiver" means your Final Receiver and the terms
"transaction" or "transfer" generally mean the two separate money transfer transactions as described in our terms and
conditions.

1Funds generally will reach a recipient’s bank account on the same banking day for transfers sent before 12:45pm CET. Date
available will be displayed on receipt for international transfers over $15. Funds may be delayed or services unavailable based
on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign
exchange issues, required receiver action(s), identification requirements, Agent location hours, differences in time zones, or
selection of delayed options. Additional restrictions may apply. See Terms and Conditions for details.

2
In addition to the transfer fee, Western Union also makes money from currency exchange. When choosing a money
transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by
brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

8 Excludes Final Receiver's bank holidays.

10
Please use care when providing bank account information. Funds will be paid into in the bank account corresponding to
account number you provide. Please Note: The Final Receiver's account must be a local currency payout account.

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Receipt 2/28/23, 1:47 PM

Western Union’s Tobacco Purchase or Sale Policy.

My WU service fee reduction are not currently applied to online bill payments or transfers that are set up through the Western
Union mobile app and paid for at participating agent locations.

Western Union, P. O. Box 6036, Englewood, CO, 80155

CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY,
ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS. Western Union does not guarantee
delivery or suitability of goods or services paid for with Services. Western Union is not an escrow service provider. Customer
and Receiver agree not to use Services for escrow purposes.
“THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL TERMS AND CONDITIONS
AND APPLICABLE LAW.”
1. WHEN YOU SEND MONEY WITHIN THE U.S. OR ITS TERRITORIES ("U.S."), WESTERN UNION®, VIGO® AND
ORLANDI VALUTASM ("OV") MONEY TRANSFER SERVICES (COLLECTIVELY, THE "SERVICE(S)") ARE PROVIDED BY
WESTERN UNION FINANCIAL SERVICES, INC. ("WUFSI"). WHEN YOU SEND MONEY OUTSIDE THE U.S., SERVICES
ARE PROVIDED JOINTLY BY WUFSI AND WESTERN UNION INTERNATIONAL SERVICES, LLC ("WUIS"). THE U.S.
PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH A WESTERN UNION, VIGO, OR OV AGENT.
WUIS PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-
U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS ("AGREEMENT") AND APPLICABLE LAW. Additional
information regarding the Services may be obtained in this Agreement, at wu.com, vigousa.com and orlandivaluta.com,
depending on the Services you choose. As used in this Agreement, "WU" or "Western Union" refers to WUFSI for transactions
sent within the U.S., and WUFSI and WUIS for transactions sent outside of the U.S., and "Agent(s)" refers to U.S. agents of
WUFSI and/or international agents or representatives of WUIS, as applicable. Service and funds availability depend on certain
factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service,
amount sent, destination country, currency availability, regulatory or consumer protection issues, identification requirements,
delivery restrictions, agent location hours, and differences in time zones. "Receiver(s)" or "Final Receiver(s)" means the
recipient designated by the consumer ("You" or "Your") to receive funds sent by You in the Expected Payout Location ("EPL").
For transactions sent within the U.S., EPL generally means any Agent location in the destination state or U.S. territory You
identify. For transactions sent outside the U.S., EPL generally means any Agent location in the destination country You identify.
The Services offered by Telecomunicaciones de Mexico ("Telecomm") are only available at Telecomm locations. Receiver will
normally receive funds in cash, check, or a combination thereof; with some Services, funds may be credited to a bank account,
prepaid, debit or credit card ("Card(s)"), mobile wallet ("MWallet(s)"), or similar account (collectively, "Account(s)"). Receiver
may be able to elect a payout method that differs from the payout method You specify; You authorize WU to honor Receiver’s
election of payout method. Receivers who choose to receive funds through a payout method other than cash or in a currency
other than the one You selected may incur additional fees to access funds. Certain countries and/or jurisdictions may impose a
tax, fee and/or tariff on Receiver's receipt of, or access to, transferred funds. Transactions may be reported to applicable
authorities. Messaging and notification services may be included for additional fees. In some destinations 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. WU
RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS
FOR ACCURACY BEFORE CONTINUING YOUR TRANSACTION.
2. REFUNDS: Subject to applicable law: (i) transactions may be canceled for a refund of the transfer amount, unless
the funds have been picked up or deposited at the time WU receives Your written request; (ii) for certain services,
excluding WU's bill payment and prepaid products and services, WU may provide a transfer fee refund if funds are
not available within the specified timeframe; and (iii) WU may charge You a fee to refund the transfer amount back to
You in those instances where Receiver rejects Your funds. Qualifying refunds for transactions within the U.S. will be
made within 45 days of receipt of Your valid written request. WU may issue Your refund through a Western Union
money transfer or WU may issue the refund to the credit / debit card or bank account that was used to pay for the
transaction. In lieu of receiving the refund by a Western Union money transfer, You may request WU to mail You a
check in the amount of the refund.
SPECIAL TERMS FOR INTERNATIONAL TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable
law, international transactions may be canceled for a full refund of the transfer amount and fees paid within 30
minutes of payment, unless the funds have been picked up or deposited. You may also receive a full refund in certain
circumstances if You successfully assert an error or as otherwise provided under applicable law.
3. RESOLUTION OF DISPUTES: Unless You opt out as set forth below, any dispute arising from or relating to this transaction
shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration
will be administered by National Arbitration and Mediation ("NAM") under its Comprehensive Dispute Resolution Rules and
Procedures, which are available at https://www.westernunion.com/arbitrationinfo or by writing to 990 Stewart Ave., 1st Fl.,
Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible for up to $125 of the administration fees.
WU may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any
award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or
arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is
unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration within 30 days after initiating a
transaction by calling 1-800-325-6000 (WU), 1-866-519-0433 (Vigo) or 1-800-515-5505 (OV). IF YOU DO NOT OPT OUT,
YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A
CLASS ACTION.
4. LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL
WU BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS
OR AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the transfer amount and transfer fee
and except as provided in California Financial Code § 2102); and (2) IN NO EVENT SHALL WU OR ITS AGENTS BE LIABLE
FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.
5. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside the U.S., You are
contracting with both WUFSI and WUIS, which are conducting two separate money transfer transactions in order to
make the money available to Final Receiver. In the first transaction, You are engaging WUFSI and its Agents to collect
Your money and make it available to WUIS.  In the second transaction, You are engaging WUIS to convert Your money
into the correct currency and make the funds available to Final Receiver outside the U.S. WUFSI issues this receipt
when you pay WUFSI or its Agent and WUIS issues this receipt when WUFSI pays WUIS on your behalf. In addition to
the transfer fees, which are charged by WUIS, a currency exchange rate will be applied. U.S. currency is converted to
foreign currency at an exchange rate set by WU unless the laws of the EPL do not permit WU to set an exchange rate.
Feedback

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Receipt 2/28/23, 1:47 PM

Feedback
Any difference between the rate given to You and the rate received by WU will be kept by WU (and, in some cases, its
Agents) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate
applicable to Your transaction will be provided on the written disclosures provided to You by WU. Payouts will
generally be made in the national currency of the EPL ("Local Currency"). In some countries, You may designate a
payout currency other than the Local Currency; however, the alternate currency You choose may not be available at
all Agent locations. WU is not responsible for the currency exchange rate that will be applied if Final Receiver
chooses to receive a currency other than the currency You selected.
6. PRIVACY: We may collect and disclose personal information to third parties as explained in our Privacy Statement. To get a
copy, visit wu.com or email wuprivacy@westernunion.com. We collect personal information, for example, when You transact
with us (e.g., using the Services) and other companies; submit information on applications, forms, and by other means; use or
visit our or other apps or online sites; enter a promotion; register for communications; or join a loyalty program.  We also
collect information from many sources and may collect, track and combine information across devices, platforms and
channels.  Information disclosed may include financial data (e.g., information on transactions with us and other financial
matters), contact information, identification, computer, mobile device and social network information.  Recipients may include
financial and non-financial companies, service providers, government agencies and direct marketers.  You may direct us to
limit certain disclosures, and Your choice will apply until You change Your choice or we delete Your data. To limit disclosures
(opt out), email wuprivacy@westernunion.com.
 

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