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PAYMENT FORMATTING GUIDELINES

03.2014 Version 2.7

business.westernunion.com

Page 1 of 77 business.westernunion.com

TABLE OF CONTENTS

CURRENCY GUIDELINES ...... 3 MAXIMIZING THE USE OF THE GUIDELINES ...... 3 BBAN / BASIC ACCOUNT ...... 3 IBAN / ACCOUNT NUMBER ...... 3 SWIFT / BIC CODE ...... 4 CODE ...... 4 NON-SWIFT BIC ...... 5 ADDITIONAL REQUIREMENTS ...... 5 IBAN & SWIFT CODE ...... 6

COUNTRY (BY CODE) CURRENCIES A - E ...... 7 IBAN REQUIREMENTS ...... 21 CURRENCIES F - J ...... 29 CURRENCIES K - O ...... 35 CURRENCIES P - T ...... 45 CURRENCIES U - Z ...... 54

ADDENDUM 1.1 LOW VALUE QUICK GUIDE ...... 58 ADDENDUM 1.2 IBAN QUICK GUIDE ...... 59 ADDENDUM 1.3 CUTOFF GUIDE ...... 61 ADDENDUM 1.4 BEST PRACTICES QUICK GUIDE ...... 68 ADDENDUM 1.5 DOCUMENT MODIFICATION HISTORY ...... 73

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CURRENCY GUIDELINES

Below are guidelines based on currency, regarding the formatting of account , in addition to any other necessary information required by Western Union Business Solutions and/or the beneficiary institution that may be mandatory to effect payments to the intended beneficiary. Please note that ALL payments require an account number to accompany the transaction, the following guide should provide a framework for validating the account number and that mandatory requirements are satisfied prior to processing.

If additional information is necessary to transfer certain currencies into certain geographical areas, it will be indicated in the Guide for Specific Requirements or the Best Practice Guide.

When applicable, Low Value Payment guidelines will be provided under the designated currencies: AUD, CAD, EUR, GBP, HKD, NZD, NOK, USD and SGD *.

MAXIMIZING THE USE OF THIS DOCUMENT

When using this document, it is important to verify currency requirements when sending a foreign currency wire to the specified beneficiary bank country. By doing so Western Union Business Solutions will be able to continue to seamlessly process all payments while minimizing any requests for additional payment processing information.

BBAN/BASIC NUMBER

The Basic Bank Account Number (BBAN) is an identifier that uniquely distinguishes an individual account, at a specific financial institution, in a particular country. The BBAN includes a bank identifier of the financial institution servicing that account. The BBAN is implemented by each national banking community and is comprised of the domestic account number, branch details and routing information. The BBAN serves as the core of the IBAN.

IBAN/INTERNATIONAL BANK ACCOUNT NUMBER

The International Bank Account Number (IBAN) is an international standard for identifying bank accounts across national borders.

The IBAN was originally developed to facilitate payments within the but the format is flexible enough to be applied globally. IBAN imposes a flexible but regular format for account identification and contains validation information to avoid errors of transcription.

The IBAN's primary purpose is to facilitate cross-border inter-bank routing and avoid routing errors.

The IBAN consists of a 2 digit country code, followed by two check digits and up to thirty alphanumeric characters for the domestic bank account number, called the BBAN (Basic Bank Account Number). It is up to each country's national banking community to decide on the length of the BBAN for accounts in that country, but its length must be fixed for any given country. Further specifics regarding different country IBAN lengths and characteristics are detailed below.

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When a country has an established IBAN, Western Union Business Solutions recommends using the IBAN for payments into these countries regardless of the currency.

SWIFT/BIC CODE

ISO 9362 (also known as SWIFT-BIC, BIC code, SWIFT ID or SWIFT code) is a standard format of Bank Identifier Codes approved by the International Organization for Standardization (ISO). It is the unique identification code of a particular bank. These codes are used when transferring money between , particularly for international wire transfers.

The SWIFT code is 8 or 11 characters, made up of: • 4 characters - (only letters) • 2 characters - ISO 3166-1 alpha-2 country code (only letters) • 2 characters - location code (letters and digits) (if the second character is '1', then it denotes a passive participant in the SWIFT network) • 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

Where an 8-digit code is given, it may be assumed that it refers to the primary office.

BANK CODE

A Bank Code is a code assigned by a , a Bank Supervisory Body or a Bankers Association in a country assigned to all its licensed member banks. The rules vary to great extent between the countries. Also the name of such a code varies.

EXAMPLES: • United States - or ABA Number • - Transit Number • - • / - BSB Code () • – Indian Financial System Code (IFSC) • Honk Kong – Branch Code • – Singapore Branch Code

The bank code typically appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn.

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NON-SWIFT BIC

Non-SWIFT BICs, as defined by the SWIFT Glossary are Business Identifier Codes which retain a ‘1’ in the eighth spot of the BIC. These are not connected to the SWIFT Network, and in most instances are not able to be paid directly, with the exception of EUR SEPA payments, when applicable. In the event that a payment is remitted to an institution which has one of these BICs, an override SWIFT or correspondent instructions may need to be provided (An override SWIFT/BIC is an active SWIFT/BIC for an institution that accepts payments on behalf of the Non-SWIFT BIC through the SWIFT network).

For non-SEPA payments, users should include the Non-SWIFT BIC in the SWIFT Branch Details field and input the override SWIFT in the beneficiary bank SWIFT address field

For SEPA payments, verification is necessary to determine that the SWIFT/BIC is SEPA eligible through contacting a Western Union Business Solutions Representative or through accessing the list of SEPA Credit Transfer participants.

ADDITIONAL REQUIREMENTS

When a beneficiary phone number, contact name at the beneficiary organization, or purpose of payment are required to effect transactions, this information should always be placed in the appropriate reference fields. Please be aware that any beneficiary addresses requested for payments should not be a P.O Box address. Also note that purpose of payment should be a brief succinct description of the payment; an invoice number or reference may not satisfy this requirement. Additionally, the beneficiary may be required to contact their banking institution and fill out the necessary paperwork, to expedite receipt of the following funds: CLP, COP, PKR, XPF, and ZAR.

*indicates for Singapore office only.

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IBAN & SWIFT/BIC CODE

IBAN & SWIFT/BICs are required for all EUR payments within the European Monetary Union Countries and the European Economic Area (EEA) Countries. Additionally, some countries have adopted the IBAN; it is highly recommended that when sending payments to these countries that you ask for an IBAN in order to minimize any potential processing delays or incur additional charges.

The following countries have adopted the IBAN:

Albania , Republic of Norway Guernsey Republic of Bahrain Palestinian Occupied Territory Reunion Ireland Saint-Pierre and Miquelon Sao Tome and Principe Slovak Republic Congo Cyprus Macedonia Equatorial United Kingdom Virgin Islands, British Finland

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AED – UNITED ARAB EMIRATES DIRHAM

REQUIRED: • Swift Branch Details Field (Bank to Bank): Should be blank • Beneficiary Bank BIC/SWIFT: Eight digits in length • Beneficiary Bank Country: United Arab Emirates • Beneficiary Account Number: 23 Character IBAN • IBAN Format: AEKK AAAB BBBBBBBBBBBBBBB o AE = Country code o K=IBAN Check digits o A =Bank Code o B = Account Number • Purpose for payment

ADDITIONAL CONSIDERATIONS: Additional Bank details can/should be transmitted in the Client References field to avoid additional processing charges

ALL - ALBANIAN LEK

REQUIRED: • Beneficiary Account Number: 28 Character IBAN • IBAN Format: ALKK AAAB BBBD CCCC CCCCCCCCCCCC o AL = Country code o K=IBAN Check digits o A =Bank Code (KIB) o B = Branch Code –Account number (KIB) o D = Account o C = Account Number • Beneficiary Bank BIC/SWIFT: Eight Digits • Country: • Purpose for payment • Full name and address of Beneficiary

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information. Payments Less than $25 equivalent may get rejected.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

AMD - ARMENIAN DRAM

REQUIRED: • Beneficiary Account Number: Eleven – Sixteen digits in length • Beneficiary Bank SWIFT/BIC: Eight – Eleven Digits • Purpose Of Payment

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• Beneficiary Bank Full Name, Address & Country : • Full name and address for Beneficiary

OPTIONAL:

Beneficiary Full Name and Address should be transmitted as Individuals must present Passport and Social Card to Claim funds.

Payments can be sent to Armenian Banks for individuals who do not hold accounts there. The individual must provide the specific bank SWIFT/BIC and then their full ID and name should be referenced in the beneficiary name and account number field

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ANG – ANTILLIAN GUILDER

REQUIRED • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Bank Country: Netherlands Antilles • Purpose of payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic): All payments cleared electronically. Payments are made on value date.

AOA –

REQUIRED • Beneficiary Account Number: 25 Character IBAN • IBAN Format: AOKK AAAB BBBD CCCC CCCC CCCD D o AO = Country Code o K = IBAN Check digits o A = Bank code o B = Bar code (This field may be filled with zeros) o C = Account number o D = Account Check digit

• Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose for payment • Full name and address of Beneficiary

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

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Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ARS – ARGENTINE

REQUIRED: • Beneficiary Account Number: CBU 22 numerical digits (may contain hyphens) • CBU Format : AAAAAAABBBBBCCCCCCCCCCD o A = Bank Code o B = Branch Code o C = Account Number o D = Check Digit • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Contact Name of Beneficiary at organization, Telephone Number & address • CUIT #: Typically twelve digit (may contain hyphen characters) Tax ID for businesses

AUD – AUSTRALIAN DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT : Valid Eleven digit SWIFT code OR • Routing Code: 6 digit BSB code

NOTE: Either the BSB code or the Eleven digit SWIFT code is required ~ otherwise the payment will stop for repair or may be returned due to unknown branch location. Please also be mindful that if the beneficiary bank is in Australia then you need to delete the BSB (routing code) from the BENE bank account number if it’s inserted there.

Low Value Requirements: • Beneficiary Country: Australia • Routing Code: 6 digit eligible BSB Code • Account number

AZN – AZERBAIJAN MANAT

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight digits • Bank Country: Azerbaijan • Beneficiary Address • Purpose of Payment • Beneficiary Tax ID • Beneficiary Account Number: 28 Character IBAN • IBAN Format: AZKK AAAA BBBB BBBB BBBB BBBB BBBB o AZ = Country Code o K = IBAN Check digits o A = Bank code o B = Bar code (This field may be filled with zeros) o C = Account number o D = Account Check digit

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BAM – BOSNIA AND HERZEGOVINA CONVERTIBLE MARK

REQUIRED: • Beneficiary Account Number: 20 Alpha IBAN • IBAN Format : BAKK BBBS SSCC CCCC CCKK o B = Bank code o S = Sort code o C = Account No o K = check digits • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Bank Country: Bosnia and Herzegovina • Purpose of payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic): All payments cleared electronically, and made on value date.

BBD – DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Country: Barbados • Beneficiary Bank Country: Barbados

RECCOMENDED: • Beneficiary Bank Branch Address: If eight digit SWIFT is provided

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic): All payments cleared electronically. Payments are made on value date.

BDT – TAKA

BDT Payments cannot be credited to foreign currency accounts belonging to beneficiaries in Bangladesh. The beneficiary must provide their bank with a completed Form C. The beneficiary’s bank will then pass it to our Correspondent, so that payment can be disbursed. This is a mandatory requirement by the Central Bank.

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eleven Digits • Purpose of Payment • Beneficiary Bank Branch Name & Branch Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) check is issued when payment instructions received, and presented to the beneficiary bank through courier.

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Expected beneficiary receipt date may be 1-3 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

BDT Payments cannot be credited to foreign currency accounts belonging to beneficiaries in Bangladesh.

BGN – BULGARIAN LEV

REQUIRED: • Beneficiary Account Number: 22 Alpha numerical digit IBAN • IBAN Format : BGKK BBBB SSSS DDCC CCCC CC o BG = Country Abbreviation o K = Check digits o B = alphanumeric bank code (first four letters of SWIFT) o S = Branch (BAE) number o D = numeric account type o C = alphanumeric account No • Beneficiary Bank BIC/SWIFT: Eight digits • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Outgoing payments - legal requirement for the provision of (i) an anti-money laundering (source(s) of funds) declaration for all payments exceeding BGN 30,000 or its equivalent in respective currency; (ii) a statistical declaration for all payments exceeds BGN 100,000 or its equivalent in respective currency. All payments for granting loans to foreign entities must be declared. Budgetary payments must include the code word ‘PAY’ and a six digit pay code (as provided by your beneficiary) – this should directly follow the beneficiary IBAN. In addition to the above pay code, if your payment is a budgetary payment, field 72 (bank to bank details) in your payment instruction will also be mandatory

BHD – BAHRAIN DINAR

REQUIRED: • Beneficiary Account Number: 22 Alpha numerical digit IBAN • IBAN Format : BHkk BBBB SSSS DDCC CCCC CC o BH = Country Abbreviation o K = Check digits o B = Bank Identifier o C = alphanumeric account No • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Purpose of Payment

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BIF – BURUNDI FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Bank Branch Address: If eight digit SWIFT is provided • Purpose Of Payment • Full Name, Address Of Beneficiary And Telephone Number

RECOMMENDED: • Beneficiary Account Number: 16 Alpha numerical digit IBAN • IBAN Format : BIKK AAAA AAAA AAAA o BF = Country Abbreviation o K = Check digits o A = Branch Identifier & Account number

BMD –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Purpose for payment • Full name and address of Beneficiary: Please note P.O Boxes are not acceptable.

ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 1-3 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

BND – DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on beneficiary bank. If bank is not a part of electronic clearing house, a check is drawn and delivered to the beneficiary bank.

Expected beneficiary receipt date varies on beneficiary bank clearinghouse participation.

BOB –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Purpose of payment • Beneficiary Bank Branch Address • Full Address of Beneficiary

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ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on beneficiary bank. If bank is not a part of electronic clearing house, a check is drawn and delivered to the beneficiary bank.

BRL –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Routing Code: Four Digit Agencia Code o This forms what is known as the Codigo Compe  Extrapolating the Agencia Code from the Codigo Compe: AAA BBBB AAA = Bank Code BBBB = Agency/Agencia Code (Branch Code) • Beneficiary Bank Country: Brazil • Full name, Address and Telephone number of Beneficiary • Purpose of payment • Beneficiary ID and/ or Authorization Required • Beneficiary Tax/National ID • Exact Bank Location required: only if swift is Eight Digits.

RECOMMENDED: • Beneficiary Account Number: 29 Alpha numerical digit IBAN • IBAN Format : BRKK AAAA AAAA BBBB BCCC CCCC CCCC C o BR = Country Abbreviation o K = Check digits o A = National Bank Code o B = Branch Code o C = Account number

For the ID number requirement, please provide one of the following: o Cadastro de Pessoas Físicas (CPF) for Individuals or contractors o Cadastro Nacional de Pessoas Jurídicas (CNPJ) for companies or businesses o Registro Geral (RG) number used to identify individual

ADDITIONAL CONSIDERATIONS: Local regulations require the beneficiary to sign documents to authorize the release of funds; Banks in Brazil will hold the payment for 90 days if the beneficiary does not sign documents on value date, then it will reject the payment back to WUBS.

BSD –

REQUIRED • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Country: Bahamas • Beneficiary Bank Country: Bahamas • Payments greater than BSD 10,000 may require a source of funds declaration.

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BTN – NGULTRUM

REQUIRED • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Full name and address of Beneficiary • Purpose of payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

BWP – PULA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits OR • Beneficiary Bank Branch Address: If eight digit SWIFT is provided • Routing Code: Six digits

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): Payments are made electronically except in instances where the beneficiary bank does not share SWIFT test keys with the Central Bank. These beneficiary banks will receive checks for final credit to the beneficiary.

BZD – DOLLAR

REQUIRED • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Country: Belize • Beneficiary Bank Country: Belize

CAD –

REQUIRED: • Routing Code: Transit Code 9 numerical digits (four digit bank code + five digit branch id) OR • Beneficiary Bank BIC/SWIFT : eleven digits RECOMENDED: • Beneficiary Address

NOTE : The routing code is the branch transit code. A 12 digit account number may comprise of the last five digits of the transit code (known as branch identifier) followed by the 7 digit account number. *** Canadian account numbers are typically between 7 to 12 digits, and vary in length depending on the beneficiary bank or financial institution***

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LOW VALUE REQUIREMENTS: • Beneficiary Bank Country: Canada • Branch Transit Code: Transit Code 9 numerical digits (five digit branch id, four digit bank code) • Account number: 7-9 digits

CHF – SWISS & LIECHTENSTEIN FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight - Eleven Digits • Beneficiary Account Number: 21 Alpha numerical digit IBAN (IBAN may also have LI country code) • IBAN Format : CHKK BBBB BCCC CCCC CCCC C o CH or LI = country code o KK = Check digits o B = bank code o C = Account Number

CLP –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Purpose of Payment • Registro Unico Tributario (RUT) Number: Beneficiary Tax Id # • Telephone Number and Address of Beneficiary • Contact name at Beneficiary Organization or Entity • Beneficiary Account Type: Checking/Current Account (Cuenta Corriente) or Savings Account (Cuenta Vista)

CNY – CHINESE YUAN RENMINBI

REQUIRED: • Beneficiary Bank BIC/SWIFT: eight – eleven digits • Beneficiary Bank Routing code: CNAPS Code 12 digits • Contact name at beneficiary organization or entity • Beneficiary Address & Telephone Number

• Purpose of Payment: Drop Down Menu (Trade Related services is not acceptable)

CNH – OFFSHORE RENMINBI

REQUIRED FOR CNH TO HONG KONG: • Beneficiary Bank BIC/SWIFT: Eleven digits • Beneficiary Bank Country: Hong Kong • Beneficiary Address & Telephone Number • Purpose of Payment: Drop down menu ‘Trade Related Services’

REQUIRED FOR CNH TO MAINLAND : • Beneficiary Bank BIC/SWIFT: Eight - Eleven digits • Beneficiary Bank Routing code: CNAPS Code 12 digits

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• Beneficiary Bank Country: China • Beneficiary Address & Telephone Number • Purpose of Payment: Drop down menu ‘Trade Related Services’

REQUIRED FOR CNH TO ANYWHERE EXCEPT MAINLAND CHINA & HONG KONG: • Beneficiary Bank BIC/SWIFT: Eight - Eleven digits • Beneficiary Address & Telephone Number • Purpose of Payment: Drop down menu ‘Trade Related Services’

COP –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Tax ID: NIT or RUT or Cedula • Beneficiary Contact Name at Organization/Company • Beneficiary Address & Telephone Number • Purpose of Payment • Exact Bank Location required: only if swift is Eight Digits.

ADDITIONAL CONSIDERATIONS: Typically payments may take 3-5 days after value to be applied due to the need for beneficiary to complete any of their banks required due diligence. To avoid potential processing delays for payments to , beneficiaries are encouraged to provide the invoice in advance, to their bank to assist in any extra due diligence requirements their institution may have.

For the ID number requirement one of the following is required: • Numero De Identification tributaria (NIT) is a ID used for businesses • Registro Unico Tributario (RUT) used for individuals who are engaging in work and may independent of any business. • Cedula de Ciudadania is an ID number issued to all Colombian citizens.

CRC – COSTA RICAN

REQUIRED: • Beneficiary ID : Cedula Juridicia 7 – 10 digit tax payer ID • Beneficiary Contact name at beneficiary organization or entity • Beneficiary Bank BIC/SWIFT: eight – eleven digits • Beneficiary Bank Branch Address • Purpose of Payment • Beneficiary Address & Telephone Number

RECOMMENDED • Beneficiary Account Number: 21 Alpha numerical digit IBAN • IBAN Format : CRKK BBBC CCCC CCCCCCCC C o CR = Country Abbreviation o K = Check digits o B = Bank Identifier o C = alphanumeric account No

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ADDITIONAL CONSIDERATIONS: Below is the Central Bank of Costa Rica website that assists in converting account numbers to IBANs http://www.bccr.fi.cr/sistema_pagos/informacion_general/IBAN.

CVE – CAPE VERDE ESCUDO

REQUIRED • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Beneficiary Address • Purpose of Payment

RECOMMENDED • Beneficiary Account Number: 25 Alpha numerical digit IBAN • IBAN Format : CVKK BBBB AAAA ACCC CCCCCCCC C o CV= Country Code o KK= Check Digits o B= Four digit Bank Code o A= Zeros preceding account number OR • Beneficiary Account Number/BBAN: • NIB Format: AAAA AAAAAAAAAAAAAAAA XXX o Minimum character length : 20 alphanumeric digits; can include points (A) o Maximum character length: 23 digits; can include decimal points (X)

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

CZK – CZECH KORUNA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: 24 Alpha numerical digit IBAN • IBAN Format : CZKK BBBB CCCC CCCCCCCCCCCC o CZ = Country Code o KK = Check digits o B = Bank code o C = Account No

DJF – FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Purpose of Payment • Beneficiary Address

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ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are made through checks.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

DKK – DANISH KRONER

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: 18 Alpha numerical digit IBAN • IBAN Format : DKKK BBBB CCCC CCCC CC o DK = Country Code o KK = Check digits o B = Bank code o C = Account No

ADDITIONAL CONSIDERATIONS: It is common practice that a one day float is assessed by local banks.

DOP – DOMINICAN PESO

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Passport # or RNC: Registro Nacional de Contribuyentes – if the beneficiary is a legal entity. • Beneficiary Telephone Number • Account Type: Checking or Savings • Beneficiary Account Number: 28 Alpha numerical digit IBAN • IBAN Format : DOKK BBBB CCCC CCCC CCCC CCCC CCCC o DO = Country Abbreviation o K = Check digits o B = Bank Identifier o C = Alphanumeric Account No

ADDITIONAL CONSIDERATIONS:

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

The Central Bank of the Dominican Republic provides the following tool for assistance in validating IBANs for various Central American countries: http://www.bancentral.gov.do/sipard/main/main.asp

The URL above provides instruction on formatting for accounts locating in , Guatemala, , and in addition to Dominican Republic.

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DZD –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: 20 digits • Bank Account Format : AAAA AAAA BBBB BBBB BBBB o A= Bank Routing Code (Code Etablissément ) o B = Alphanumeric Account No

RECOMMENDED • Purpose of Payment: See list of Central Bank of Purpose of CBOA_DZD_PopCod Payment Codes es.docx

EGP – EGYPTIAN

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ERN –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ETB –

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information. Typically, the beneficiary receipt date is 2 days after value.

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EUR - EURO

ALL EUR PAYMENTS, WITHIN THE EU MONETARY UNION, EUROPEAN ECONOMIC AREA (EEA) AND WHERE THE BENEFICIARY BANK COUNTRY MAINTAINS THE EUR AS THEIR OFFICAL CURRENCY, REQUIRE AN IBAN AND BIC/SWIFT

LOW VALUE REQUIREMENTS (SEPA) • Eligible SEPA Credit Transfer SWIFT/BIC : Eight – Eleven Digits. • NOTE: IF SWIFT is unconnected and on the SEPA sheet then it can be used in the SWIFT code field. If SWIFT is unconnected but not on the SEPA sheet then it will follow the same rules as an EFT. • Bank Account: IBAN for the designated country in the below table

Austria Finland Italy Netherlands Spain Belgium France Latvia Norway Sweden Bulgaria Germany Liechtenstein Poland Switzerland Cyprus Greece Lithuania Portugal United Kingdom Czech Republic Hungary Luxembourg Romania Denmark Iceland Malta Slovak Republic Estonia Ireland Monaco Slovenia

WIRE REQUIREMENTS: • Beneficiary Bank BIC/SWIFT : Eight – Eleven Digits, in addition to the accompanying IBAN if sent to one of the countries below or within the SEPA table:

Albania Croatia Greenland Moldova Turkey Andorra Faroe Islands Macedonia Montenegro Azerbaijan Georgia Mauritania San Marino Bosnia and Herzegovina Gibraltar Mauritius Serbia

The following use the United Kingdom IBAN format: Guernsey, Jersey, and Isle of Man The following use the Portugal IBAN format: Azores and The following use Spain’s IBAN format: , Ceuta and Melilla The following countries all use the French IBAN format: French , French Polynesia, French Southern Territories, Guadeloupe, Martinique, , New Caledonia, Reunion, Saint Barthelemy, Saint Martin (French Side), Saint Pierre et Miquelon, Wallis & Futuna Islands.

NOTE: When using an IBAN for euro payments do not list routing codes.

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EUR – EURO IBAN REQUIREMENTS

ALAND ISLANDS : IBAN format: 18 Alpha Numerical Digits AXKK BBBB BBCC CCCC CK AX = Country Code K = Check Digit B = Bank code, Branch number and Account type C = Account No

ANDORRA IBAN format: 24 Alpha Numerical Digits ADKK BBBB SSSS CCCC CCCCCCCC AD = Country Code K = Check Digits B = Bank code S = Branch code C = Account No

AUSTRIA : IBAN format: 20 Alpha Numerical Digits ATKK BBBB BCCC CCCC CCCC AT = Country Code K = Check digits B = Bank code C = Account No

BELGIUM : IBAN format: 16 Alpha Numerical Digits BEKK BBBC CCCC CCKK BE = Country Code K = Check Digits B = Bank code (numeric) C = Account No

BULGARIA : IBAN format: 22 Alpha Numerical Digits BGKK BBBB SSSS DDCC CCCC CC BG = Country Code K = Check Digits B = Alphanumeric bank code (first four letters of SWIFT BIC) S = Branch (BAE) number D = Numeric account type C = Alphanumeric account

CYPRUS: IBAN format: 28 Alpha Numerical Digits CYKK BBBS SSSS CCCC CCCCCCCCCCCC CY = Country Code K = Check Digits B = Bank code S = Sort code C = Account No

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EUR – EURO IBAN REQUIREMENTS (continued)

CZECH REPUBLIC: IBAN format: 24 Alpha Numerical Digits CZKK BBBB CCCCCCCCCCCCCCCC CZ = Country Code KK = Check digits B = Bank code C = Account No.

DENMARK : IBAN format: 18 Alpha Numerical Digits DKKK BBBB CCCC CCCC CC DK = Country Code K = Check digits B = Bank No C = Account No

ESTONIA : IBAN format: 20 Alpha Numerical Digits EEKK BBSS CCCC CCCC CCCK EE = Country Code K= Check Digits B = Bank code S = Sort code C = Account No

FINLAND : IBAN format: 18 Alpha Numerical Digits FIKK BBBB BBCC CCCC CK FI = Country Code B = Bank code, Branch number and Account type C = Account No K = check digit

FAROE ISLANDS : IBAN format: 18 Alpha Numerical Digits FOKK BBBB BGGG GGCC CC FO = Country code B = Bank code C = Account No K = Check digit

FRANCE : IBAN format: 27 Alpha Numerical Digits FRKK BBBB BGGG GGCC CCCC CCCC CXX FR = Country code K = Check Digit B = Bank code G = Code Guichet (branch) C = Account No X = Clé RIB

The following countries all use the above IBAN format: French Guiana, French Polynesia, French Southern Territories, Guadeloupe, Martinique, Mayotte, New Caledonia, Reunion, Saint Pierre et Miquelon, Wallis & Futuna Islands

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EUR – EURO IBAN REQUIREMENTS (continued)

GERMANY : IBAN format: 22 Alpha Numerical Digits DEKK BBBB BBBB CCCC CCCC CC DE = Country Code K = Check Digits B = Sort code (/BLZ) C = Account No

GIBRALTAR : IBAN format: 23 Alpha Numerical Digits GIKK BBBB CCCC CCCC CCCC CCC GI = Country Code K = Check Digits B = Bank Code C = Account No

GREECE : IBAN format: 27 Alpha Numerical Digits GRKK BBBB BBBC CCCC CCCCCCCC CCC GR = Country Code K = check digits B = bank code and branch number C = account No.

GREENLAND : IBAN format: 18 Alpha Numerical Digits GLKK BBBB CCCC CCCC CC GL = Country Code K = check digits B = bank code C = account No.

HUNGARY : IBAN format : 28 Alpha Numerical Digits HUKK BBBB BBBC CCCC CCCCCCCCCCCC HU = Country Code KK = Check Digits B = Bank code C = Account No

ICELAND : IBAN format : 26 Alpha Numerical Digits ISKK BBBB SSCC CCCC XXXX XXXX XX IS = Country Code K = Check Digits B = Bank code S = Sort code C = Account No X = holder's national identification number

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EUR – EURO IBAN REQUIREMENTS (continued)

IRELAND : IBAN format : 22 Alpha Numerical Digits IEKK AAAA BBBB BBCC CCCC CC IE = Country Code K = Check Digits A= First 4 alphanumeric characters of the SWIFT B = 6 digit long sort code C = 8 digit account

ITALY : IBAN format: 27 Alpha Numerical Digits ITKK KAAA AABB BBBC CCCC CCCC CCC IT = Country Code K = Check Characters A = ABI bank code B = Branch CAB number C = Account

LATVIA : IBAN format : 21 Alpha Numerical Digits LVKK BBBB CCCC CCCCCCCC C LV = Latvia K = Check Digits B = First four digits of the SWIFT C = 13 digit account number

LIECHTENSTEIN: IBAN format: 21 Alpha Numerical Digits LIKK BBBB BCCC CCCC CCCC C LI = Country Code B = Bank code C = Account No

LITHUANIA : IBAN format : 20 Alpha Numerical Digits LTKK BBBB BCCC CCCC CCCC LT = Country Code K = Check digits B = Bank code C = Account No

LUXEMBOURG : IBAN format: 20 Alpha Numerical Digits LUKK BBBC CCCC CCCCCCCC LU = Country Code K = Check Digits B = Bank code C = Account No.

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EUR – EURO IBAN REQUIREMENTS (continued)

MAURITANIA : IBAN format: 27 Alpha Numerical Digits MRKK BBBB BCCC CCDD DDDD DDDD DDD MR = Country Code K= Check digit B = Bank Code C = Branch Code D = Account No

MAURITIUS : IBAN format: 30 Alpha Numerical Digits MUKK BBBB CCCC DDDD DDDD DDDD DDDE EE MU = Country Code K= Check digit B = Bank Code C = Branch Code D = Account No E= Account Currency

MOLDOVA : IBAN format : 24 Alpha Numerical Digits MDKK BBCC DDDD DDDD DDDD DDDD MC = Country code K = Check digit B = Bank code C = Branch D = Account No

MONACO : IBAN format : 27 Alpha Numerical Digits MCKK BBBB BGGG GGCC CCCC CCCC CKK MC = Country code K = Clé RIB B = Bank code G = Code Guichet (branch) C = Account No K = Clé RIB

MONTENEGRO : IBAN format : 22 Alpha Numerical Digits MEKK BBBC CCCC CCCC CCCC KK ME = Country code K = IBAN Check Digit G = Bank Code C = Account No K = Account Check Digit

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EUR – EURO IBAN REQUIREMENTS (continued)

NETHERLANDS : IBAN format: 18 Alpha Numerical Digits NLKK AAAA BBBB BBBB BB NL = Country Code K = Check digit A = Bank code B = Account No

NORWAY : IBAN format: 15 Alpha Numerical Digits NOKK BBBB CCCC CCK NO = Country Code B = Bank code C = Account No K = Check digit

POLAND : IBAN format : 28 Alpha Numerical Digits PLKK BBBB BBBk CCCC CCCCCCCCCCCC PL = Country Code K = Check digits B = Bank code (1-3 institution ID, 4-7 branch) C = Account No.

PORTUGAL : IBAN format: 25 Alpha Numerical Digits PTkk BBBB BBBB CCCC CCCC CCCK K PT = Country Code K = Check digits. B = Bank code (1-4 bank code, 5-8 branch code) C = Account number K = Check digits. The following countries all use the above IBAN format: Azores and Madeira

ROMANIA : IBAN format: 24 Alpha Numerical Digits ROKK BBBB CCCC CCCCCCCCCCCC RO = Country Code K = Check Digits B = first 4 of the bank's identifier code BIC/SWIFT C = specific bank branch and an account

SAN MARINO : IBAN format: 27 Alpha Numerical Digits SMKK KBBB BBSS SSSC CCCC CCCC CCC SM = Country Code K = Check Digits B = Bank code S = Branch code C = Account No

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EUR – EURO IBAN REQUIREMENTS (continued)

SERBIA : IBAN format: 22 Alpha Numerical Digits RSKK BBBC CCCC CCCC CCCC KK RS = Country Code K = Check Digits B = Bank code C = Account Number

SLOVAK REPUBLIC : IBAN format: 24 Alpha Numerical Digits SKKK BBBB SSSS SSCC CCCC CCCC SK = Country Code K = Check Digits B = Bank code S = Sort code C = Account No

SLOVENIA : IBAN format: 19 Alpha Numerical Digits SIKK BBBB BCCC CCCC CKK SI = Country Code K = IBAN Check Digits B = first 2 represent the bank, the next 3 represent the branch C = Account Number K = Account Check digits

SPAIN : IBAN format: 24 Alpha Numerical Digits ESKK BBBB GGGG KKCC CCCC CCCC ES = Country Code K =Check digits B = Bank code G=Branch/office number C = Account No The following use the above IBAN format: Canary Islands, Ceuta and Melilla

SWEDEN : IBAN format: 24 Alpha Numerical Digits SEKK BBBB CCCC CCCCCCCCCCCC SE = Country Code K = Check Digits B = Bank code C = Account number

SWITZERLAND : IBAN format : 21 Alpha Numerical Digits CHKK BBBB BCCC CCCC CCCC C CH = Country Code K = Check Digits B = Bank code C = Account No.

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EUR – EURO IBAN REQUIREMENTS (continued)

TURKEY : IBAN format : 26 Alpha Numerical Digits TRKK BBBB BCDD DDDD DDDD DDDD DD TR = Country Code K = Check Digits B = Bank code C = Reserved for future use D = Account No.

UNITED KINGDOM: IBAN format: 22 Alpha Numerical Digits GBKK BBBB SSSS SSCC CCCC CC GB = Country Code K = Check Digits B =First four of BIC S = Sort code C = Account No

FJD – DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: Up to 12 digits

GBP - BRITISH POUND (STERLING)

REQUIRED (Wire): • Beneficiary Bank BIC/SWIFT: eight – eleven digits • Beneficiary Account Number: 22 Alpha numerical digit IBAN • IBAN Format : GBKK BBBB SSSS SSCC CCCC CC o GB = Country Code o K = Check Digits o B =First four of BIC o S = Sort code o C = Account No OR • Beneficiary Account: Eight digits • Beneficiary Bank Sort Code: Six numerical digits

NOTE : For GBP, we cannot have a SWIFT code and an 8 digit account number.

LOW VALUE REQUIREMENTS (BACS): • Beneficiary Country : United Kingdom • Six Digit Sort Code : BACS Specific • Beneficiary Account Number: Eight Digits • ADDITIONAL CONSIDERATIONS: Cross boarder payments to the UK (NON-GBP) Should always have an IBAN and SWIFT CODE

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GEL – GEORGIA LARI

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Account Number: 22 Alpha numerical digit IBAN • IBAN Format : GEKK BBCC CCCC CCCCCCCC CC o GE = Country Code o K = Check Digits o B = Bank Code o C = Account No • Purpose of Payment • Beneficiary Address • Exact Bank Location required: only if swift is Eight Digits.

ADDITIONAL CONSIDERATIONS: The Beneficiary will need to contact their bank and advise that these funds are arriving, and potentially provide details of payment (Invoice and/or payment notification) to them to be released in local currency. Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

GHS - GHANIAN CEDI

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Bank Branch Code: Six Digits • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 1-2 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

GMD –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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GNF – GUINEA FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven Digits • Beneficiary Bank Branch Address • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared through checks.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

GTQ –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits

RECOMMENDED: Will be mandatory after July 1 st 2014 • Beneficiary Account Number: 28 Alpha numerical digit IBAN • IBAN Format : GTKK BBBB CCCC CCCC CCCC CCCC CCCC o GT = Country Code o K = Check Digits o B = Bank Code o C = Account No

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): Payments are typically cleared through checks, though a low value type clearing system is due to be implemented. Expected beneficiary receipt date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value date instructed).

GYD – GUYANA DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): Cleared electronically. Expected beneficiary receipt date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value date instructed).

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HKD – HONG KONG DOLLAR

REQUIRED: • Beneficiary Bank Routing Code : Branch Specific Hong Kong Branch Code, Six Digits (first three are institution identifier; next three identify branch.) The first 3 digits of the account number should always be the last 3 digits of the routing code.

RECOMMENDED: • Beneficiary Bank Branch Address

LOW VALUE REQUIREMENTS (ECG): • Beneficiary Bank Country : Hong Kong • Hong Kong Branch Code : Account numbers first three digits must contain the branch code

HNL – HONDURAS LEMPIRA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Bank Branch Address • Beneficiary Phone Number • Beneficiary Address • Beneficiary Account Type • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared through check. Expected beneficiary receipt date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value date instructed).

HRK – CROATIAN KUNA

REQUIRED: • Beneficiary Account Number: 21 Alpha numerical digit IBAN • IBAN Format : HRKK CCCC CCCC CCCC CCCC C o HR = Country Code o K = Check Digits o C = Account No • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Beneficiary Address • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information (Beneficiary Bank may not necessarily apply on value date instructed).

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HTG –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eleven digits • Beneficiary Address • Purpose of Payment

HUF – HUNGARIAN FORINT

REQUIRED: • Beneficiary Account Number: 28 Alpha numerical digit IBAN • IBAN Format : HUKK BBBB BBBC CCCC CCCCCCCCCCCC o HU = Country Code o K = Check Digits o B = Bank code o C = Account No • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment

IDR – INDONESIAN RUPIAH

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Country: • Purpose of Payment • Telephone Number of Beneficiary • Contact Information from beneficiary organization or entity

ILS – ISRAEL SHEQEL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number/IBAN: 23 Alpha Numerical Digits • IBAN Format : ILKK BBBN NNCC CCCC CCCC CCC o IL = Country Code o K = Check Digits o B = Bank code o N = Branch Code o C = Account No • Purpose of Payment

ADDITIONAL CONSIDERATIONS: When sending ILS to Palestine, please see below requirements:

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number/IBAN: 29 Alpha Numerical Digits

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• IBAN Format : PSKK BBBB CCCC CCCC CCCC CCCC CCCC C o PS = Country Code o K = Check Digits o B = Bank code o C = Account No • Correspondent bank details • Beneficiary Bank & Branch Number • Purpose of Payment

Client account number: 21 characters and in case the account number is less than 21 characters, zeros are added to the left.

INR – INDIAN RUPEE

REQUIRED: • Routing Code: Indian Financial System Code (IFSC): 11 digit code representing a specific branch location. • Beneficiary Bank BIC/SWIFT: Eleven Digits • Purpose of Payment Code: Detailed purpose of payment is required on all amounts of INR (please see below). • Nature of the remitter and beneficiary relationship (ex. “Legal Services”)

• Specific to NGO Beneficiaries: Payments to NGOs in India

A list of purpose of payment codes can be found here:

RBI_INR POP Codes.docx

ADDITIONAL CONSIDERATIONS: Ensuring that the 11 digit Indian Financial System Code correlates to the beneficiary branch address provided will assist in minimizing any potential delays.

When paying or making a donation to an NGO beneficiary in India, the FCRA registration number should be provided to avoid potential processing delays. A list of registered NGOs under the FCRAs within India can be found on the following URL on the left hand side, here .

When sending GBP to India a detailed purpose of payment is also required.

JMD –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Bank Branch Address • Beneficiary Account Type: Checking or Saving • Transit Code: 5 Digits

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JOD – JORDANIAN DINAR

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven Digits • IBAN: 30 Alpha Numerical Digits • IBAN Format: JOKK BBBB DDDD CCCC CCCC CCCC CCCC CC o JO = Country Code o K = Check digits o B = Bank Identifier o D = Branch Code o C = Account Number • Purpose of payment

ADDITIONAL CONSIDERATIONS: Domestic account numbers may be prefixed with leading zeros and must always be 18 digits. All banks within the Kingdom of Jordan are required to verify the source and purpose of payment for all payments exceeding JOD 10,000. Beneficiaries may be required to provide invoice receipts, contracts or other contractual paperwork allowing their bank to confirm that the funds are a legitimate payment.

JPY – JAPANESE YEN

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits • Beneficiary Address • Purpose of Payment • Beneficiary Bank Branch Address OR • Beneficiary Bank Branch Name

ADDITIONAL CONSIDERATIONS: Beneficiary banks within require the beneficiary to contact the bank and confirm the purpose of payment for amounts > 30,000 JPY.

KES – KENYAN

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Name • Routing Code: 5-digit branch code

KGS – KRYGYZSTANI SOM

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment : Invoice Required

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KHR – RIEL

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Purpose of Payment • Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information, typically beneficiary bank will credit the beneficiary 5-7 days after receiving the payment.

KMF – COMORO FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Purpose of Payment • Beneficiary Address

RECOMMENDED: • Beneficiary Bank Branch Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

KRW – SOUTH KOREAN WON

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Beneficiary Bank Branch Address • Beneficiary Bank Country: • Beneficiary Country: South Korea • Full Bank address required • Beneficiary telephone number and address • Purpose of payment

RECOMMENDED: • Beneficiary ID

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments processed electronically. Beneficiary may need to contact their bank to accept funds transfer due to governmental regulations (Beneficiary Bank may not necessarily apply on value date instructed).

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KWD – KUWAITI DINAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number/IBAN: 30 Alpha Numerical Digits • IBAN Format: KWkk BBBB CCCC CCCC CCCC CCCC CCCC CC o KW = Country Code o K = Check digits o B = Bank Identifier o C = Account Number • Purpose of payment

KYD – CAYMAN ISLAND DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): A draft is prepared and delivered to the beneficiary bank for processing into the beneficiary’s account; expected receipt date is typically 2 days.

KZT – KAZAKHSTANI TENGE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Routing Code: 9 digit BIK code in Kazakhstani clearing system is required • Beneficiary Bank Address • Beneficiary Account Number/IBAN: 20 Alpha Numerical Digits • IBAN Format: KZkk BBBC CCCC CCCC CCCC o KZ= Country Code o K = Check digits o B = Bank Identifier o C = Account Number • Beneficiary Tax ID: 12 digits and preceded by the letters RNN o I.E. RNN123456789012 • Purpose of Payment Code: Single Payment Classification Code is 10 digits and is required for every payment and should be preceded by the letters EKNP o I. E. EKNP1734KZT890  First 2 digits o 17 If Client/Clients Customer (*FIs or Broker clients) is a resident legal entity o KZT Purpose of 27 If Client/Clients Customer (*FIs or Broker clients)is a non-resident Payment Codes.docx legal entity o 2 Digit Beneficiary Code (see handout) o 3 Character Currency Code (KZT) o 3 Digit Payment Detail Code Last 3 digits (see KZT purpose of payment code document) • Budget Code ** (only required for Tax Payments; KZT purpose of

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payment code document)

LAK – KIP

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

LBP – LEBANESE POUND

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Beneficiary Bank Account : 28 Alpha Numerical Digit IBAN • IBAN Format: LBKK BBBB CCCC CCCC CCCC CCCC CCCC • LB = Country Code • K = Check digits • B = Bank/Institution Code • C = Account No. 20 digits

LKR – RUPPEE

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits

RECOMMENDED: o Routing Code: 7-digit branch code AAAA BBB  A = Bank Code  B = Branch Code

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

If the wire is for an amount > 1,000,000LKR (approx. USD10, 000) funds are electronically cleared through RTGS. Below this amount, funds clear electronically through SLIPS. If insufficient bank details are provided, a Bank Draft is issued and delivered to the beneficiary.

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LSL – LOTI

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

LTL – LITHUANIAN LITAS

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Address • Beneficiary Bank Account: 20 Alpha Numerical Digit IBAN • IBAN format: LTKK BBBB BCCC CCCC CCCC • LT = Country Code • K = Check digits • B = Bank code • C = Account No

MAD –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Account : 24 Numerical digits • Account format : AAAB BBCC CCCC CCCCCCCC CCDD • A = Bank code 3 digits • B = Location code 3 digits • C = Account No 16 digits • D = Check Digits

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared through checks. Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (beneficiary bank may not necessarily apply on value date instructed).

Any electronic payment orders not containing the above recommended beneficiary account formatting will be processed manually by the Central Bank and potentially assessed fees, which may vary from payment to payment .

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MGA – MADAGASCAR ARIARY

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Bank Branch Address • Beneficiary Address

RECOMMENDED: • Beneficiary Bank Account: 27 Alpha Numerical Digit IBAN • IBAN format : MGkk CCCC CCCC CCCC CCCC CCCC CCC

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MKD – MACEDONIA DENAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits : • Beneficiary Account : 19 Numerical digit IBAN • IBAN format : MKkk BBBC CCCC CCCC CKK • MK = Country Code • kk = Check Digits • B = Bank Code • C = Account Number • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MOP – MACAO PATACA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS:

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Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MRO – MAURITANIA OUGUIYA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account : 27 Numerical digits IBAN • IBAN format: MRkk BBBB BCCC CCDD DDDD kk • MR = Country Code • kk = Check Digits • B = Bank Code • C = Branch Code • D = Account Number • Beneficiary Address • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MUR – MAURITIUS RUPEE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account : 30 Numerical digit IBAN • IBAN format : MUkk BBBB CCDD EEEE EEEEEEEE FFF GGG • MU = Country Code • kk = Check Digits • B = First four letters of BIC/SWIFT • C =Bank Code • D = Branch Code • E = Account number • F = Reserved for future use • G = Currency of account • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

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Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MVR – RUFIYAA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Bank Branch Address • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MWK – KWACHA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Bank Branch Address • Beneficiary Address

MYR – MALAYSIAN RINGGIT

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Bank Branch Address • Beneficiary Telephone Number

MXN –

REQUIRED:

The CLABE number is required on all MXN payments sent to . For USD payments to Mexico, providing a CLABE will minimize any issues regarding the account number. If sending MXN cross border, the Intermediary Bank’s CLABE must be provided.

• Beneficiary Bank BIC/SWIFT: Eight digits • Beneficiary bank country: Mexico • Beneficiary Account Number: 18 digits CLABE • CLABE Format: AAABBBCCCCCCCCCCCD

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• A = Bank Code • B = Branch Office Code CLABE_Validation.xls • C = Account Number • D = Control Digit

MZN – MOZAMBIQUE METICAL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address • Beneficiary Address • Purpose of Payment • Beneficiary Bank Account: NIB (Número de Identificação Bancária) typically 21 digits

RECOMMENDED: • Beneficiary Account Number: 25 digits IBAN • IBAN Format: MZKK AAAA AAAA AAAA AAAA AAAA A • MZ = Country Code • K = Check Digits

NAD –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Bank Branch Address • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

NGN –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: 10 digit Nigerian Uniform Bank Account Number (NUBAN) • Format: AAAAAAAAAB • A = NUBAN Account Serial Number • B = Check Digit

ADDITIONAL CONSIDERATIONS:

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Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

NIO – NICARAGUAN CORDOBA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Address • Contact Name at Beneficiary Organization • Telephone Number of Contact at Beneficiary Organization

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

NOK – NORWEGIAN KRONE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN • IBAN Format: NOKK BBBB CCCC CCK • NO = Country Code • B = Bank code • C = Account No • K = Check digit

LOW VALUE REQUIREMENTS: • Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN • Beneficiary Bank BIC/SWIFT: Eight – Eleven digit • Beneficiary Country: Norway

NPR – NEPALESE RUPEE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment • Beneficiary Bank Branch Address • Beneficiary Address

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ADDITIONAL CONSIDERATIONS: Payments to Nepalese Nationals in can be done in NPR only.

Expected beneficiary receipt date may vary depending on location. Payment may take up to 10-12 days (not typical) depending on the location of the beneficiary and beneficiary bank.

NZD – NEW ZEALAND DOLLAR

REQUIRED: • Beneficiary Bank Routing Code : Six Digits

LOW VALUE REQUIREMENTS: • Beneficiary Country: New Zealand • Beneficiary Bank Code: Six Digits • Beneficiary Account number: Nine to ten Digits. If the routing code is included the account number you should remove the routing information so the account number is only 9 digits and ensure it is added to the routing code field.

ADDITIONAL CONSIDERATIONS (for extrapolating nine to ten digit account): • Beneficiary Account: 15-18 digits • ACCOUNT FORMAT (Sixteen digit): AAAA AABB BBBB BBBC CC • A = Bank Code • B = Account Number • C = Suffix (Indicates account type)

OMR – OMANI RIAL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment

PAB – BALBOA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

PEN – PERUVIAN NUEVO SOL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Identification: Registro Unico de Contribuyente (RUC) or Documento Nacional de Indetidad (DNI) • Beneficiary Account Number: Codigo de Cuenta Interbancario 20 digits (if beneficiary bank is not Citibank )

ADDITIONAL CONSIDERATIONS:

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Idenification in Peru is known as RUC RegistroUnico de Contribuyente for an entity (11 digits) and DNI Documento Nacional de Indentidad for an individual (8 digits). A non- Peruvian tax resident or entity may maintain their tax ID from the country where they are registered.

• If your beneficiary is an entity with a RUC, the 11 digits should be preceded with “RUC” in the payment details. Example: RUC 20123456789 • If your beneficiary is an individual with a DNI, the 8 digits should be preceded with “DNI” in the payment details. Example: DNI 12345678 • If your beneficiary is a non-Peruvian tax resident the tax id should be preceded with “TAX ID” in the payment details, regardless of whether they are an individual or an entity. Example: TAX ID 4871126S

PGK – KINA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment

PHP – PESO

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Country: Philippines • Beneficiary Bank Branch Address

ADDITIONAL CONSIDERATIONS: When PHP payments go to Bank of the Philippine Islands, Philippine National Bank or Citibank please override SWIFTs to

o Bank of the Philippine Islands SWIFT code BOPIPHMMTRY o Philippine National Bank SWIFT code PNBMPHMMTOD o Citibank, N.A. SWIFT code CITIPHMXTSU o Philippine National Bank SWIFT code PNBMPHMMTOD

Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information, with some banks may enforce 1-2 day hold on credits to beneficiary.

PKR – PAKISTAN RUPEE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address • Purpose of Payment • Beneficiary Address

RECOMMENDED: • Beneficiary Account Number: 24 digits IBAN

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• IBAN Format: PKkk BBBB AAAA AAAA AAAA AAAA • PK = Country Code • k = Check Digits • B = Bank Code • A = Account number

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): Payment is cleared by manager’s checks or demand drafts. Once the payment instruction is received our correspondent, the Branch sends a payment initiation (via courier) to beneficiary bank seeking purpose of remittance (regulatory requirement). The payment is released once the Beneficiary/ Beneficiary Bank provides the purpose of remittance. Effective June 2013 both domestics and international payments will require IBANs.

PLN – POLISH ZLOTY

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: 28 Alpha Numerical Digit IBAN • IBAN Format : PLkk BBBB BBBB CCCC CCCCCCCCCCCC • PL = Country Code • B = Bank code (1-3 institution ID, 4-8 branch) • C = Account Number 16 digits • kk = Control Digits OR • Beneficiary Account Number/NRB: 26 Numerical Digits • NRB Format : KKBBBBBBBBCCCCCCCCCCCCCCCC • B = Bank code (1-3 institution ID, 4-8 branch) • C = Account Number 16 digits • kk = Control Digits

Note: There is no other account structure in Poland apart from NRB/IBAN. All other structures are incorrect and no longer valid.

PYG – GUARANI

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Beneficiary Bank Branch Address • Purpose of Payment

RECOMMENDED: • Beneficiary Passport Number • Beneficiary Contact Phone

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared by check.

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Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

QAR – QATARI RIAL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: 29 Alpha numerical digit IBAN • IBAN Format : QAKK BBBB CCCC CCCC CCCC CCCC CCCC C o QA = Country Code o K = Check digits o B = Branch Code o C = Account number o ADDITIONAL CONSIDERATIONS: Domestic account numbers may be prefixed with leading zeros and must always be 21 digits.

RON – ROMANIAN NEW LEU

REQUIRED:

• Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account: 24 Alpha Numerical Digit IBAN • IBAN Format: ROKK BBBB CCCC CCCCCCCCCCCC • RO = Country Code • K = Check Digits • B = first 4 of the bank's identifier code BIC/SWIFT • C = specific bank branch and account • Purpose of Payment • Beneficiary Address

ADDITIONAL CONSIDERATIONS: Payments to the State Treasury Accounts (SWIFT/BIC begins with: TREZ) require a fiscal identification code of the beneficiary. Please request this from your beneficiary when paying this SWIFT/BIC.

RSD – SERBIAN DINAR

REQUIRED: • Beneficiary Account Number: IBAN 22 Alpha Numerical Digits • IBAN format: RSkk BBBC CCCC CCCC CCCC KK o RS = Country Code o B = bank code o C = account No o K = account check digits • Beneficiary Bank BIC/SWIFT: eight – eleven digits • Beneficiary Address

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• Purpose of Payment

RUB – RUSSIAN RUBLE

REQUIRED: • Beneficiary Account Number: 20 Character Account Number • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address • Beneficiary Tax ID # : INN (Individualiy Nomer Nalogoplatelshika) • Individuals: 12 digits; formatted INN123456789012 RUB VO • Companies: 10 digits; formatted INN1234567890 Codes_2.5.docx • Foreign Entities: 5 digits; formatted INN12345 • Purpose of Payment: Code VO Code/Currency Operation Code see “RUB VO Codes_2.5” file for description of VO codes. • Specify VAT (Y/N) • If paying an individual the patronymic name (father’s surname) is also required.

RECOMMENDED: • Beneficiary ID: KPP (Beneficiary Registration Code) 9 digits • Beneficiary Bank Routing Code: BIK ( Domestic Clearing Code) • Beneficiary Bank Account Number: 20 digit Beneficiary Bank Account Number with Central Bank of Russia

RWF – FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address

SAR – SAUDI RIYAL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account: 24 Alpha Numerical Digit IBAN • IBAN format : SAkk BBCC CCCC CCCCCCCCCCCC • SA = Country Code • K = Check Digit • B = Bank code • C = Account No

SBD – DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

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SCR – RUPEE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Ordering Party Full Name, Address and Account Number • Beneficiary Full Name And Address • Beneficiary Bank Branch Address • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared by check.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

SEK – SWEDISH KRONA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account: 24 Alpha Numerical Digit IBAN • IBAN format : SEKK BBBB CCCC CCCCCCCCCCCC o SE = Country Code o K = Check Digit o B = Bank code o C = Account No

SGD – SINGAPORE DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Routing Code: Seven Digits Branch Specific • Beneficiary Bank Branch Address (Recommended)

LOW VALUE REQUIREMENTS (IBG): • Beneficiary Country : Singapore • Singapore Branch Code : Account numbers first three digits typically contains the first three of branch code

SLL - LEONE

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Purpose of Payment • Exact Bank Location required: only if swift is Eight Digits.

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ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

SRD – SURINAM DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Beneficiary Bank Branch Address • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

STD – SAO TOME AND PRINCIPE DOBRA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account: 25 Alpha Numerical Digit IBAN • IBAN format : PTKK BBBB BBBB CCCC CCCC CCCK K o PT = Country Code o K = Check Digit o B = Bank code o C = Account No

SZL – SWAZILAND LANGENI

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Beneficiary Bank Branch Address • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information.

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Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

THB – THAI BAHT

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Beneficiary Bank Branch Address • Purpose of Payment • *Draft Beneficiaries require a beneficiary address

TND –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Numbers: 20 Digit BBAN • Purpose of Payment

RECOMMENDED • Beneficiary Account : 24 Numerical digit IBAN • IBAN format : TNkk BBCC CDDD DDDD DDDD DDKK • TN = Country Code • kk = Check Digits • B = Bank Code • C =Branch Code • D = Account Number

TOP – PA’ ANGA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared by check.

TRY - TURKISH LIRA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number/IBAN: 26 Alpha Numerical Digits • IBAN format: TRkk BBBB BRCC CCCC CCCCCCCC CC • TR = Country Code

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• R= Reservation Space • K = Check Digits • B = Bank Code • C = Account number • Purpose of Payment

TTD – DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

TWD – NEW DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT : Eight – Eleven digits • Beneficiary Bank Country: Taiwan • Beneficiary Address • Beneficiary Telephone Number • Purpose of Payment

ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed as beneficiary is required to visit bank and complete required forms).

TZS –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Purpose of Payment

UAH – UKRAINIAN HRYVNIA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address • Purpose of Payment

UGX – SHILLING

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Branch Address

USD –

REQUIRED: Cross Border Wire

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• All cross border USD shall require a BIC/SWIFT. Additional details are required for USD into the following countries : Only include the routing code for USD payments to Canada (Transit Code), the United Kingdom (Sort Code if IBAN is not provided ), Australia (BSB Code), New Zealand, South and other beneficiary countries when mandated by their respective currency within this document. • When paying EU/EEA countries or those that have adopted an IBAN, Western Union Business Solutions requires that an IBAN be provided. IBANs contribute to an increase in processing times and reduced error rates.

Notes:

• USD to China if a correspondent is provided we will use if one is not then one will not be added.

• USD to Cross Border For USD IBK, use BIC/SWIFT not ABA

• USD Cross-Border- If SWIFT is 11 digits and it belongs to branch, add IBK, if it is a head office, one will not be provided

Domestic Wire • 9 digit ABA; see below for differentiating between ACH and Wire

High Value (Wire)

• 9 digit Fedwire ABA; ABA can be validated that it is able to accept Wire payments through the following federal reserve website: • http://www.fedwiredirectory.frb.org/search.cfm Note that the following territories, if the beneficiary banks are participants, are also able to accept Fedwire fund transfers: o o US Virgin Islands o o

** Please note that after you input the ABA in the appropriate field and have it verified, it is eligible to receive Wires only if under the Fed wire Eligibility header it indicates FUNDS ELIGIBLE **

Low Value (ACH)

• 9 digit ACH ABA; ABA can be validated that it is eligible for ACH Low Value USD transactions through the following link. Input the ABA and it indicates whether it is a FedACH routing code. • http://www.fedwiredirectory.frb.org/search_ACH.cfm • Valid beneficiary address is required

NOTE: It is critical to ensure the routing code is enabled for the selected payment method (Wire or ACH). If you enter a Fed wire routing code on an ACH payment, the payment will

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reject. If you enter an ACH routing code on a Wire payment, the payment will stop for repair at the bank and may miss deadline or be rejected.

UYU –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

UZS – SUM

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Contact Name of Beneficiary at Organization, Telephone Number • Beneficiary Address • Beneficiary Bank Branch Address • Purpose of Payment • Telephone Number

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

VND – DONG

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Beneficiary Bank Branch Address • Purpose of Payment

VUV – VATU

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

WST – TALA

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

XAF – CENTRAL AFRICAN CFA FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Country: Cameroon, Central African Republic, , Congo, , Gabon

RECOMMENDED:

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• Beneficiary Account Number/IBAN: Cameroon, Central African Republic, Congo, Equatorial Guinea, Gabon

XCD – EAST CARIBBEAN DOLLAR

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Country: , Antigua & Barbuda, , , , , and Saint Vincent and the Grenadines.

XOF – WEST AFRICAN CFA FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Bank Country: Benin(BJ), Burkina Faso(BF), Cote D’Ivoire(CI), Guinea- Bissau(GW), Mali(ML), Republic of Niger(NE), Senegal(SN), Togo(TG) • Beneficiary IBAN: 24 Alpha Numerical Digits • IBAN format : AABB BCCC CCDD DDDD DDDD DDEE • A = Country Code • B = Bank Code • C = Branch Code • D = Account Number • E = RIB Key

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information.

Ivory Coast (Cote d’Ivoire) is same day or next day, all other countries next day. However, this may differ, as it is contingent on the local banks throughout the region. Funds transfers that are eligible for RTGS are completed same day or one day max depending on the time when the instruction is received. The other funds transfers take 2 days to 3 days and up can take up to 10 days for countries such as Guinea-Bissau. For checks sent to clearing upcountry or out of the country the transit time may take up to one month. The transit time for checks sent for clearing in Abidjan is, on average, 2 days.

XPF – CENTRAL POLYNESIAN FRANC

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address • Purpose of Payment

YER – YEMENI RIAL

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address

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• Purpose of Payment

ADDITIONAL CONSIDERATIONS: Payments to Individuals must have Beneficiary’s Passport Number except when beneficiary is company or business entity.

ZAR –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Account Number: Beneficiary Accounts with Standard Bank of (SBZAZAJJ) should follow a 9 digit format for resident accounts and 11 digit formats for non-resident accounts. • Routing Code : South Africa six digit routing code RECOMMENDED: • Beneficiary Contact Details

NOTE : Western Union Business Solutions must have both the SWIFT code and routing code for ZAR payments to South Africa. If the 6 digit routing code was not provided, the routing code of the beneficiary bank head office should be selected. **The beneficiary’s bank may require the beneficiary to contact them to complete regulatory paperwork

ZMW –

REQUIRED: • Beneficiary Bank BIC/SWIFT: Eight – Eleven digits • Beneficiary Address

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ADDENDUM 1.1

Least Cost/Low Value Payment Formatting Guidelines

Least Cost payments are not able to be amended (Amendment) once released, if the information is not correct or invalid, these payments typically return immediately or within a couple days of the assigned value date.

Proof of payment for Least Cost Payments is typically only a reference number that the bank has executed the payment to the beneficiary bank under. These are in no way similar to what a proof of payment represents when requested for a wire.

LV CURRENCY REQUIREMENTS AUD • Valid 6 digit Bank State Branch (BSB) Code Australian Dollar • Beneficiary Bank Country: Australia CAD • Seven - Twelve digit account number Canadian Dollar • Valid nine digit transit code • Beneficiary Bank Country: Canada EUR • Eligible SEPA Credit Transfer BIC/SWIFT Euro • Valid IBAN ( See EUR currency profile for country specific IBAN’s and country specific requirements ) • Beneficiary Bank Country: Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, , Slovenia, Spain, Sweden, Switzerland, United Kingdom. GBP • Valid six digit BACS sort code Sterling Pounds • Eight digit bank account • Beneficiary Bank Country: UK (or overseas territory) HKD • Beneficiary Bank Routing Code: Branch Specific Hong Kong Clearing Hong Kong Dollar Code, Six Digits (first three are institution identifier; next three identify branch.) • Beneficiary Bank Country: Hong Kong NOK • Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN Norwegian Krone • Beneficiary Bank BIC/SWIFT: Eight – Eleven digit • Beneficiary Country: Norway NZD • Valid six digit bank branch code New Zealand Dollar • Nine to ten digits beneficiary account number • Beneficiary Bank Country: New Zealand SGD • Beneficiary Bank Routing Code: Seven Digits Branch Specific Singapore Dollar • Beneficiary Bank Country: Singapore USD • Valid ACH ABA (http://www.fedwiredirectory.frb.org/search_ACH.cfm) United States • Beneficiary Bank Country: USA or Canada (valid transit required if Dollar beneficiary bank is within Canada)

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ADDENDUM 1.2

IBAN Formatting Quick Guide

IBAN QUICK GUIDE

If an IBAN is mandated, recommended or required by this document for a EUR or any other currency, the format of the IBAN is detailed below.

IBAN Country Country IBAN Example Length Code Albania 28 AL AL11 2222 3333 4444 5555 6666 7777 Andorra 24 AD AD11 2222 3333 4444 5555 6666 Angola 25 AO AO11 2222 3333 4444 5555 6666 7 Austria 20 AT AT11 2222 3333 4444 5555 Republic of Azerbaijan 28 AZ AZ11 2222 3333 4444 5555 6666 7777 Bahrain 22 BH BH11 2222 3333 4444 5555 66 Belgium 16 BE BE11 2222 3333 4444 Benin 24 BJ BJ11 2222 3333 4444 5555 6666 Bosnia and Herzegovina 20 BA BA11 2222 3333 4444 5555 Brazil 29 BR BR11 2222 3333 4444 5555 6666 7777 8 Bulgaria 22 BG BG11 2222 3333 4444 5555 66 Burkina Faso 24 BF BF11 2222 3333 4444 5555 6666 Burundi 16 BI BI11 2222 3333 4444 Cameroon 27 CM CM11 2222 3333 4444 5555 6666 777 Cape Verde 25 CV CV11 2222 3333 4444 5555 6666 7 Central African Republic 27 FR FR11 2222 3333 4444 5555 6666 777 Congo 27 CG CG11 2222 3333 4444 5555 6666 777 Costa Rica 21 CR CR11 2222 3333 4444 5555 6 Croatia 21 HR HR11 2222 3333 4444 5555 6 Cyprus 28 CY CY11 2222 3333 4444 5555 6666 7777 Czech Republic 24 CZ CZ11 2222 3333 4444 5555 6666 Denmark 18 DK DK11 2222 3333 4444 55 Dominican Republic 28 DO DO11 2222 3333 4444 5555 6666 7777 Equatorial Guinea 27 GQ GQ11 2222 3333 4444 5555 6666 777 Estonia 20 EE EE11 2222 3333 4444 5555 Faroe Islands 18 FO FO11 2222 3333 4444 55 Finland 18 FI FI11 2222 3333 4444 55 France 27 FR FR11 2222 3333 4444 5555 6666 777 French Guiana 27 FR FR11 2222 3333 4444 5555 6666 777 French Polynesia 27 FR FR11 2222 3333 4444 5555 6666 777 Gabon 27 GA GA11 2222 3333 4444 5555 6666 777 Georgia 22 GE GE11 2222 3333 4444 5555 66 Germany 22 DE DE11 2222 3333 4444 5555 66 Gibraltar 23 GI GI11 2222 3333 4444 5555 666 Greece 27 GR GR11 2222 3333 4444 5555 6666 777 Greenland 18 GL GL11 2222 3333 4444 55 Guadeloupe 27 FR FR11 2222 3333 4444 5555 6666 777 Guatemala 28 GT GT11 2222 3333 4444 5555 6666 7777 Guernsey 22 GB GB11 2222 3333 4444 5555 66 Guinea Bissau 24 GW GW11 2222 3333 4444 5555 6666 Hungary 28 HU HU11 2222 3333 4444 5555 6666 7777 Iceland 26 IS IS11 2222 3333 4444 5555 6666 77 Iran 26 IR IR11 2222 3333 4444 5555 6666 77 Ireland 22 IE IE11 2222 3333 4444 5555 66 Isle of Man 22 GB GB11 2222 3333 4444 5555 66 Israel 23 IL IL11 2222 3333 4444 5555 666 Italy 27 IT IT11 2222 3333 4444 5555 6666 777 Ivory Coast 24 CI CI11 2222 3333 4444 5555 6666 Jersey 22 GB GB11 2222 3333 4444 5555 66 Jordan 30 JO JO11 2222 3333 4444 5555 6666 7777 88 Kazakhstan 20 KZ KZ11 2222 3333 4444 5555 Kuwait 30 KW KW11 2222 3333 4444 5555 6666 7777 88

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IBAN Country Country IBAN Example Length Code Latvia 21 LV LV11 2222 3333 4444 5555 6 Lebanon 28 LB LB11 2222 3333 4444 5555 6666 7777 Liechtenstein 21 LI LI11 2222 3333 4444 5555 6 Lithuania 20 LT LT11 2222 3333 4444 5555 Luxembourg 20 LU LU11 2222 3333 4444 5555 Macedonia 19 MK MK11 2222 3333 4444 555 Madagascar 27 MG MG11 2222 3333 4444 5555 6666 777 Mali 24 ML ML11 2222 3333 4444 5555 6666 Malta 31 MT MT11 2222 3333 4444 5555 6666 7777 888 Martinique 27 FR FR11 2222 3333 4444 5555 6666 777 Mauritania 27 MR MR11 2222 3333 4444 5555 6666 777 Mauritius 30 MU MU11 2222 3333 4444 5555 6666 7777 88 Moldova 24 MD MD11 2222 3333 4444 5555 6666 Monaco 27 MC MC11 2222 3333 4444 5555 6666 777 Montenegro 22 ME ME11 2222 3333 4444 5555 66 Morocco 24 MA MA11 2222 3333 4444 5555 6666 Mozambique 25 MZ MZ11 2222 3333 4444 5555 6666 7 Netherlands 18 NL NL11 2222 3333 4444 55 New Caledonia 27 FR FR11 2222 3333 4444 5555 6666 777 Niger, Republic of 24 NE NE11 2222 3333 4444 5555 6666 Norway 15 NO NO11 2222 3333 444 Pakistan 24 PK PK11 2222 3333 4444 5555 6666 Palestine, State of 29 PS PS11 2222 3333 4444 5555 6666 7777 8 Poland 28 PL PL11 2222 3333 4444 5555 6666 7777 Portugal 25 PT PT11 2222 3333 4444 5555 6666 7 Reunion 27 FR FR11 2222 3333 4444 5555 6666 777 Romania 24 RO RO11 2222 3333 4444 5555 6666 Saint-Pierre and Miquelon 27 FR FR11 2222 3333 4444 5555 6666 777 San Marino 27 SM SM11 2222 3333 4444 5555 6666 777 Sao Tome and Principe 25 PT PT11 2222 3333 4444 5555 6666 7 Saudi Arabia 24 SA SA11 2222 3333 4444 5555 6666 Senegal 24 SN SN11 2222 3333 4444 5555 6666 Serbia 22 RS RS11 2222 3333 4444 5555 66 Slovak Republic 24 SK SK11 2222 3333 4444 5555 6666 Slovenia 19 SI SI11 2222 3333 4444 555 Spain 24 ES ES11 2222 3333 4444 5555 6666 Sweden 24 SE SE11 2222 3333 4444 5555 6666 Switzerland 21 CH CH11 2222 3333 4444 5555 6 Togo 24 TG TG11 2222 3333 4444 5555 6666 Tunisia 24 TN TN11 2222 3333 4444 5555 6666 Turkey 26 TR TR11 2222 3333 4444 5555 6666 77 United Arab Emirates 23 AE AE11 2222 3333 4444 5555 666 United Kingdom 22 GB GB11 2222 3333 4444 5555 66 Virgin Islands, British 24 VG VG11 2222 3333 4444 5555 6666

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ADDENDUM 1.3

Currency Cutoff time deadlines

Cut-off Guide

This assumes Western Union Business Solutions has irrevocable cleared funds or client has available credit.

Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ AED 5:30am 10:30am 11:30am 5:30pm 7:30pm 9:30pm ALL 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am AMD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am ANG 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am AOA 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am ARS 1:30pm 6:30pm 7:30pm 1:30am 3:30am 5:30am AUD HV 4:00am 9:00am 10:00am 2:00pm 4:00pm 6:00pm AUD LV 5:00am 10:00am 11:00am 3:00pm 5:00pm 7:00pm AZM 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BAM 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am BBD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BDT 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am BGN 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BHD 4:00am 9:00am 10:00am 6:00pm 8:00pm 10:00pm BIF 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BMD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am BND 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BOB 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am BRL 1:30pm 6:30pm 7:30pm 1:30am 2:30am 5:30 am BSD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am BTN 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BWP 5:30am 10:30am 11:30am 5:30pm 4:30pm 9:30pm BYR 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am BZD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am CAD HV 3:15pm 8:15pm 9:15pm 3:15am 5:15am 7:15am CAD LV 12:30pm 5:30pm 6:30pm 12:30am 2:30am 4:30am CHF 6:30am 11:30am 12:30pm 6:30pm 8:30pm 10:30pm CLP 1:30pm 6:30pm 7:30pm 1:30am 2:30am 5:30am CNY 4:30pm 7:30pm 12:30pm 1:30pm 9:30pm 11: 30pm CNY 12:30am 5:30am 6:30am 12:30pm 2:30pm 4:30pm MDE

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Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ CNY HK Client to SCB 12:30pm CNY HK Client 9:30pm COP 1:30pm 6:30pm 7:30pm 1:30pm 3:30pm 5:30 pm CRC 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am CSD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am CVE 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am CYP 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am CZK 8:15am 1:15pm 2:15pm 8:15pm 10:15pm 12:15am DJF 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am DKK 6:00am 11:00am 12:00pm 6:00pm 8:00pm 10:00pm DOP 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am DZD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am EGP 4:00pm 9:00pm 10:00pm 4:00am 6:00am 8 :00am ERN 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am ETB 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am

EUR Cut-off Times Same Day One Day Institution or Country DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ EUR to Switzerland 6:30am 11:30am 12:30pm 6:30pm 8:30pm 10:30pm EUR to CSOB CZ 6:00am 11:00am 12:00pm 6:00pm 8:00pm 10:00pm EUR to ING PL 9:30am 2:30pm 3:30pm 9:30pm 11:30pm 1:30am EUR to KOM CZ 9:30am 2:30pm 3:30pm 9:30pm 11:30pm 1:30am EUR HV 9:45am 2:45pm 3:45pm 9:45pm 11:45pm 1:45am EUR SEPA 1:55am 6:55am 7:55am 3:55pm 5:55pm 7:55pm

EUR Cut-off Times for Hong Kong & Singapore Clients for Beneficiary Banks in Hong Kong or Singapore **If HK/SG clients are sending EUR to an institution not listed below, the above EUR HV/LV deadline will apply Same Day Client Processing Center/ CCY/ Beneficiary SG/HK Bank HK Client EUR on SCB HK 4:30pm HK Client EUR on Hang Seng HK 4:30pm HK Client EUR on HSBC HK 4:30pm SG Client EUR on DBS SG 1:30pm SG Client EUR on OCBC SG 1:00pm SG Client EUR on SCB SG 5:00pm SG Client EUR on HSBC SG 3:00pm

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Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ FJD 4:30pm 9:30pm 10:30pm 4:30am 6:30am 8:30am GBP HV 10:30am 3:30pm 4:30pm 10:30pm 12:30am 2:30am GBP LV 1:05pm 6:05pm 7:05pm 1:05am 3:05am 5:05 am GBP on Credit 5:30am 10:30am 11:30am 5:30pm 7:30pm 9:30pm Suisse GEL 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am GHS 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am GMD 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:0 0am GNF 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am GTQ 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am GYD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am HKD HV 2:30am 7:30am 8:30am 2:30pm 4:30pm 6:30pm HKD LV 3:00am 8:00am 9:00am 3:00pm 5:00pm 7:00pm HKD for SG Client 8:00am to OCBCSG HNL 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am HRK 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am HTG 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am HUF 8:30am 1:30pm 2:30pm 8:30pm 10:30pm 12:30am IDR 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am ILS 7:00am 12:00pm 1:00pm 7:00pm 9:00pm 11:00am INR 12:00pm 4:00pm 5:00pm 11:00pm 1:00am 3:00am ISK 7:30am 12:30pm 1:30PM 7:30pm 9:30pm 11:30pm JMD 12:00:00 17:00:00 18:00:00 0:00:00 2:00:00 4:00:00 JOD 7:30am 12:30pm 1:30PM 7:30pm 9:30pm 11:30pm JPY HK Client to 10:30am HASEHK JPY 10:30pm 3:30am 4:30am 10:30am 12:30pm 2:30pm KES 3:30am 8:30am 9:30am 3:30pm 5:30pm 7:30pm KGS KHR 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am KMF 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am KRW 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am

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Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ KWD 11:00pm 4:00am 5:00am 11:00am 1:00pm 3:00pm KYD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am KZT 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am LAK 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am LBP 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am LKR 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am LSL 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am LTL 4:00pm 9:00pm 10:00pm 4:00am 6:00am 8:00am MAD 10:30am 3:30pm 4:30pm 10:30pm 12:30am 2:30am MGA 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am MKD 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am MOP 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am MRO 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am MUR 5:30am 10:30am 11:30am 5:30pm 7:30pm 9:30pm MVR 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am MWK 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am MXN 3:30pm 8:30pm 9:30pm 3:30am 5:30am 7:30am MYR 1:30:00 6:30:00 7:30:00 13:30:00 15:30:00 17:30:00 MZN 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am NAD 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am NGN 9:00:00 14:00:00 15:00:00 21:00:00 23:00:00 1:00:00 NIO 9:00:00 14:00:00 15:00:00 21:00:00 23:00:00 1:00:00 NOK 10:15am 1:15pm 2:15pm 8:15pm 10:15pm 12:15am NOK LV 8:30am 1:30pm 2:30pm 8:30pm 10:30pm 12:30am NPR 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am NZD HV 11:30pm 4:30am 5:30am 11:30am 1:30pm 3:30pm NZD LV 3:00am 8:00am 9:00am 3:00pm 5:00pm 7:00pm 3:00am 8:00am 9:00am 3:00pm 5:00pm 7:00pm NZD HK Client to 4:30pm HASEHK NZD SG Client to 8:00pm 1:00am 2:00am 8:00am 10:00am 12:00pm OCBCSG OMR 12:30am 5:30am 6:30am 12:30pm 2:30pm 4:30pm PAB 1:30pm 6:30pm 7:30pm 1:30am 3:30am 5:30am PEN 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am PGK 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am PHP 1:30am 6:30am 7:30am 1:30pm 3:30pm 5:30pm PKR 4:00pm 9:00pm 10:00pm 4:00am 6:00am 8 :00am PLN 7:00am 12:00am 1:00pm 7:00pm 9:00pm 11:00pm

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PYG 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ QAR 1:00am 6:00am 7:00am 1:00pm 3:00pm 5:00pm RON 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am RSD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am RWF 12:00pm 5:00pm 6:00pm 12:00am 2:00a m 4:00am SAR 5:30am 10:30am 11:30am 5:30pm 7:30pm 9:30pm SBD 11:00pm 4:00am 5:00am 11:00am 1:00pm 3:00pm SCR 4:00pm 9:00pm 10:00pm 4:00am 6:00am 8:00am SEK 5:15am 10:15am 11:15am 5:15pm 7:15pm 9:15pm SGD HV 4:00am 9:00am 10:00am 6:00pm 8:00pm SGD LV 3:00am 8:00am 9:00am 3:00pm 5:00pm 7:00pm

SGD Cut-off Times for Singapore Clients for Beneficiary Banks in Singapore Same Day Client Processing Center/ CCY/ Beneficiary Bank SG/HK SG Client SGD on DBS SG 1:30pm SG Client SGD on HSBC SG 3:00pm SG Client SGD on OCBC SG 1:30pm SG Client SGD on SCB SG 5:00pm SG Client SGD on all other beneficiary banks 1:30pm

Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ SKK 2:30am 7:30am 8:30am 2:30pm 4:30pm 6:30pm SLL 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am SRD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am STD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am 11:00p 9:00am 2:00pm 3:00pm 9:00pm 1:00am SZL m THB 7:00am 12:00pm 1:00pm 7:00pm 9:00pm 11:00pm TND 1:30am 6:30am 7:30am 1:30pm 3:30pm 5:30pm TOP 10:30pm 3:30am 4:30am 10:30am 12:30pm 2:30pm TRY 6:00am 11:00am 12:00am 6:00pm 8:00pm 10:00pm TTD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am TWD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am 11:00p 9:00am 2:00pm 3:00pm 9:00pm 1:00am TZS m UAH 9:00am 2:00pm 3:00pm 9:00pm 11:00p 1:00am

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m 11:00p 9:00am 2:00pm 3:00pm 9:00pm 1:00am UHX m

USD Cut-off Times

Hong Kong & Singapore Clients USD to beneficiary bank’s Hong Kong or Singapore cut-off times **If beneficiary bank is outside of Hong Kong or Singapore, please locate USD cutoff times below Same Day Institution or Country Hong Kong & Singapore HK Client USD to HSBC HK 4:30pm HK Client USD to SCB HK 4:30pm HK Client USD to HASE HK 4:30pm HK Client USD to Hong Kong 4:30pm SG Client USD to OCB SG 1:00pm SG Client USD to DBS SG 1:30pm SG Client USD to HSBC SG 3:00pm SG Client USD to SCB SG 5:00pm

Cut-off times for specific beneficiary banks for all clients Same Day Institution or Country DC UK CZ/FR/ZU SG/HK AU NZ USD to CSOB in Czech Rep 5:30am 10:30am 11:30am 5:30pm 7:30pm 9:30pm USD to Credit Suisse in 7:30am 12:30pm 1:30pm 7:30pm 9:30pm 11:30pm Switzerland USD to ING in Poland 9:30am 2:30pm 3:30pm 9:30pm 11:30pm 1:30am

Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ USD HV 4:00pm 9:00pm 10:00pm 2:00am 4:00am 6:00am USD LV 7:30pm 12:30am 1:30am 7:30am 9:30am 11:30am USD LV on 9:30pm 2:30am 3:30am 9:30am 11:30am 1:30pm Canada UYU 1:30pm 6:30pm 7:30pm 1:30am 3:30am 5:30am

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UZS 1:30pm 6:30pm 7:30pm 1:30am 3:30am 5:30 am VEF 1:30pm 6:30pm 7:30pm 1:30am 3:30am 5:30am VND 1:30pm 6:30pm 7:30pm 1:30am 3:30am 5:30 am VUV 9:30pm 2:30am 3:30am 9:30am 11:30am 1:30pm WST 5:30pm 10:30pm 11:30pm 5:30am 7:30am 9:30am XAF 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am XCD 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4: 00am XOF 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am

Same Day One Day Two Day DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ DC UK CZ/FR/ZU SG/HK AU NZ XPF 9:30pm 2:30am 3:30am 9:30am 11:30am 1:30pm YER 12:00pm 5:00pm 6:00pm 12:00am 2:00am 4:00am ZAR 7:15am 12:15pm 1:15pm 7:15pm 9:15pm 11:15pm ZMW 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am ZWD 9:00am 2:00pm 3:00pm 9:00pm 11:00pm 1:00am

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ADDENDUM 1.4

Best Practices Country Quick Guide

BEST PRACTICES

Below identifies the best practices recommendations for payments remitted to the countries listed below. In some instances these best practice recommendations may request more information than what is required by Western Union Business Solutions, however this information will assist in minimizing any potential issues encountered and expedite receipt of the funds to the beneficiary.

Structure Account Formatted SWIFT/BIC RoutingCode BankBranch Address BankBranch Payment Purposeof Required Authorization and/ or BeneficiaryID NumberPhone Addressand/or Beneficiary atOrganization ContactName

Country

Afghanistan • • • Albania • • • • Algeria • • • • • Andorra • • Angola • • • • Anguilla • • Antigua & Barbuda • • • • • • Armenia • • • • • • Australia • • Austria • • Azerbaijan, Republic of • • • • Bahamas • • Bahrain • • Bangladesh • • • • • • Barbados • • • Belgium • • Belize • • Benin • • • • • • Bhutan • • • • • • • Bosnia & Herzegovina • • • • Botswana • • Bouvet Island • • Brazil • • • • • • • Brunei Darussalam • Bulgaria • • • Burkina Faso • • Burundi • • • •

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Structure Account Formatted SWIFT/BIC RoutingCode BankBranch Address BankBranch Payment Purposeof Required Authorization and/ or BeneficiaryID NumberPhone Addressand/or Beneficiary atOrganization ContactName

Country

Cambodia • • • Cameroon • • Canada • • • Cape Verde • • • • • Central African Republic • • Chad • • • • • • • • • China • • • • • • • Cocos (Keeling) Islands • Colombia • • • • • • • • Congo, Republic of • • Congo, Democratic Republic • • • Costa Rica • • • • • • Cote d'Ivoire • • Croatia • • • • Cyprus • • Czech Republic • • Denmark • • Djibouti • • • Dominica • • Dominican Republic • • • • • • • • El Salvador • • Equatorial Guinea • • • • • Estonia • • • • • Faroe Islands • • Fiji • • Finland • • France • • French Guyana • • French Polynesia • • • • French Southern Territories • • Gabon • • Gambia • • • • Georgia • • • • Germany • • • • Gibraltar • • Greece • • Greenland • • Grenada • Guadeloupe • • Guam • • Guatemala • • •

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Structure Account Formatted SWIFT/BIC RoutingCode BankBranch Address BankBranch Payment Purposeof Required Authorization and/ or BeneficiaryID NumberPhone Addressand/or Beneficiary atOrganization ContactName

Country

Guernsey • • • Guinea • • • • Guinea-Bissau • Guyana • • • Heard Islands & McDonald Islands • Holy See (Vatican City) • Honduras • • • • Hong Kong • • • Hungary • • Iceland • • India • • • • Indonesia • • • • • • • Ireland • • • Isle of Man • • • Israel • • Italy • • • • Japan • • • • Jersey, Channel Islands • • • Jordan • • • Kazakhstan • • • • • • • • • • • • Kuwait • • • • Laos • • • Latvia • • • • Lebanon • • Lesotho • • • • • • • • • Liechtenstein • • Lithuania • • Luxembourg • • • • Macedonia • • • • • Madagascar • • • Malawi • • • • • • • Maldives • • • • Mali • • Malta • • • Martinique • • Mauritania • • • • Mauritius • • • Mexico • • Micronesia • Moldova • • Monaco • • • Montenegro • • Montserrat • Morocco • • •

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Structure Account Formatted SWIFT/BIC RoutingCode BankBranch Address BankBranch Payment Purposeof Required Authorization and/ or BeneficiaryID NumberPhone Addressand/or Beneficiary atOrganization ContactName

Country

Mozambique • • • • • • • • • • Nepal • • • • Netherlands • • Netherlands Antilles • • New Caledonia • • • • New Zealand • • • Nicaragua • • • • Niger, Republic of • • Norway • • Northern Mariana Islands • • • Pakistan • • • • • Palestine, State of • • Panama • Panama Canal Zone • Papua New Guinea • • Paraguay • • • • • Peru • • • • • Philippines • • Poland • • Portugal • • Puerto Rico • • Romania • • Reunion • • Russia • • • • • • San Marino • • Sao Tome and Principe • • Saudi Arabia • • Senegal • • Serbia • • Singapore • • • Slovak Republic • • Slovenia • • Solomon Islands • • • South Africa • • South Korea • • • • Spain • • Sri Lanka • • • St Pierre and Miquelon • • • • • • • • & Islands • Swaziland • • Sweden • • Switzerland • • • • • • Taiwan • • • • • • • • • • •

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Structure Account Formatted SWIFT/BIC RoutingCode BankBranch Address BankBranch Payment Purposeof Required Authorization and/ or BeneficiaryID NumberPhone Addressand/or Beneficiary atOrganization ContactName

Country

Togo • • Tonga • Trinidad & Tobago • Tunisia • • Turkey • • • Turks & Caicos Islands • • Uganda • • • • • United Arab Emirates • • • United Kingdom • • • United States • • • Uzbekistan • • • • • • Vietnam • • • • • Vanuatu • • •

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ADDENDUM 1.5

DOCUMENT MODIFICATION HISTORY

VERSION CURRENCY/SECTION CHANGE COMMENTS  Updated country codes and currency abbreviations to reflect 2.12 All Currencies ISO 4217  Recommended using IBAN for payments into countries where IBAN IBAN is established and recognized. CSD  Renamed to RSD per ISO 4217  Additional considerations; recommend beneficiary present COP invoice to bank when receiving payment  Tax ID NIT (10 Digits) EEK  Currency activated EUR  Low Value eligible countries defined FJD  Routing code requirement & account length. HTG  Currency activated  Contact Name at Beneficiary Organization & Telephone NIO required INR  11 digit IFSC required 2.13 Addendum 1.6 Added  Best Practices Quick Guide CNY  Field formatting & field mapping Kazakhstan  IBAN Added & Required for payments to Kazakhstan GEL  IBAN added IDR  Payment invoice requirement removed KWD  IBAN requirement added LBP  IBAN requirement added MRO  IBAN recommended TND  IBAN/BBAN requirement added UAH  Requirements added  IBAN requirement updated 2.14 CZK  Added to Country Requirements  IBAN structure added to Addendum 1.1 & Addendum 1.5 LBP  Added to Country Requirements PKR  Purpose of payment requirement added  Addendum 1.6 updated Kazakhstan  Added to Country Requirements

 Section added advising users to verify the beneficiary bank Maximizing the use of this country domestic currency requirements when sending foreign document exchange wires to the specified country.

 Routing Code requirement removed; SWIFT code requirement FJD added PHP  Beneficiary Bank Country requirement added

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DOCUMENT MODIFICATION HISTORY CONTINUED

VERSION CURRENCY/SECTION CHANGE COMMENTS 2.2  Added Checking or Savings Acct Requirement DOP  IBAN Structure & Recommendation added TWD  Added Additional Considerations  Added SWIFT Requirement & IFSC placement in SWIFT INR Branch Details field Non-SWIFT BICs  Added Section pertaining to the formatting of Non-SWIFT BICs  Added Section pertaining to the formatting of payments with Offline ABA offline ABA’s DKK  Added GL & FO as Country Codes for IBAN  Updated to reflect all IBAN formats with the IBAN Registry IBAN Quick Guide (ISO 13616) MRO  Effective January 1 2012 MRO payments will require an IBAN 2.3 VEF  Removed as currency is not offered CRC  IBAN Structure & Recommendation added KES  Added Proof of Payment Invoice Requirement TZS  Added Proof of Payment Invoice Requirement  Added Beneficiary Address Requirement JPY  Added Proof of Payment Requirement HTG  Added Beneficiary Address Requirement AED  IBAN requirement added BHD  IBAN requirement added PEN  Added ID requirement and format 2.4 IBAN Quick Guide  Updated Netherlands IBAN to 18 digits GP/GP+/Portal Quick Guide  Removed; see best practice guide and currency requirements KGS  Added Kyrgyzstani Som  Use of Intermediary Bank’s CLABE for cross-border MXN is Payments to Mexico required  Use of Intermediary Bank’s CLABE for cross-border MXN is MXN required Quick Guides  System specific quick guides removed  Azerbaijan IBANs required; all payments after September 2 Azerbaijan IBAN 2012 without an IBAN will be rejected  Moldova IBAN implemented; all payments after December 31 Moldova IBAN 2012 without an IBAN will be rejected.  Beneficiary bank address added to SWIFT Branch Details BDT requirement added DOP  IBAN added CRC  IBAN added; requirements updated GBP Sort Code Checker  Sort Code Checker Hyperlink added under GBP currency GHS  Beneficiary address requirement added GMD  Beneficiary bank routing code removed Madagascar IBAN  MGA Format added; recommended MXN  MXN Account number (Clabe) validator added XAF  Added IBAN format  Updated to reflect SEPA countries; added hyperlink to verify EUR IBAN Section SEPA eligible SWIFT/BICs and institutions

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DOCUMENT MODIFICATION HISTORY CONTINUED

VERSION CURRENCY/SECTION CHANGE COMMENTS 2.4 Continued  Added European & Non-European IBANs to IBAN Guide (80+ IBAN Guide Countries IBANs documented) Pakistan IBAN  Pakistan requiring IBAN effective December 31 st 2012 Guatemala IBAN  Guatemala IBAN effective July 1 st 2014 STD  San Tomeo Dobra added 2.5  BSB Code search URL added AUD  Additional Consideration to clarify certain BSB are Least Cost/LV/ACH specific  BDT cannot be credited to foreign currency accounts BDT belonging to beneficiaries in Bangladesh BOB  Requirement added beneficiary bank branch address  Currency added BRL  Requirements & recommendations added CNY  Requirement added for 12 digit CNAPs code CNH  Requirements added DKK  IBAN format updated  Domestic beneficiary bank account format requirement added DZD  Purpose of payment recommendation added EGP  Additional considerations added ERN  Beneficiary bank address requirement added GBP  Updated sort code checker URL  Purpose of payment requirement and codes added INR  Indian NGO FCRA Registration numbers added KMR  Beneficiary bank branch address added KZT  Currency and requirements added LKR  Recommendation for 7 digit branch code NGN  Domestic account number added; NUBAN  IBAN added; as of June 2013 all domestic and cross border PKR payments into Pakistan should have an IBAN RON  Additional considerations for paying State Treasury Accounts RUB  Currency and requirements added SGD  Requirements updated; SWIFT and routing code required STD  IBAN length updated  IBAN usage for cross border, recommendations added for USD paying US territories  Resident and non-resident account number formats for ZAR Standard Bank of South Africa account holders updated Addendum 1.1  Updated to Least Cost/Low Value Quick Guide  Updated IBANs for Brazil, Guinea Bissau, , Addendum 1.2 Togo  Cutoff times updated for CHF, EUR to Switzerland, USD to Addendum 1.3 Credit Suisse.

Addendum 1.4  Country guide updated

KZT  Changed the country code from KW to KZ for IBAN formatting 2.6 JMD  Requirement Added Bene Account Type Currency Guidelines  Updated SGD for Low Value

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DOCUMENT MODIFICATION HISTORY CONTINUED

VERSION CURRENCY/SECTION CHANGE COMMENTS 2.6 Continued NOK  NOK ACH added to currency guidelines SGD  SGD ACH note added BRL  IBAN note removed CAD  NON-CAD currency information added INR  Purpose of payment updated JMD  Beneficiary account type added NOK  Low value requirements updated NZD  Beneficiary account number updated RUB  Required details updated UAH  Currency name corrected XOF  Payment details updated ZMW  Currency abbreviation updated Addendum 1.1  NOK added Addendum 1.1  NZD beneficiary account number updated Addendum 1.3  NOK Low value cut off times updated Addendum 1.3  Zambian Kwacha currency abbreviation updated ZMW Addendum 1.4  Uruguay, Uzbekistan, Vietnam, Vanuatu, Zambia added AUD  Notes updated CNY  Requirements updated EUR  Notes updated 2.7 CAD  Beneficiary Address updated to recommended ANG  Purpose of payment required AMD  Beneficiary full name and address AZN  Additional Considerations: Beneficiary Tax ID ILS  Swift requirements to include 8-11 digits INR  Swift required as well as IFCS MAD  IBAN removed and Account number required MAD  Addendum 1.3 Cut off times amended QAR  IBAN Requirement added and additional notes JOD  IBAN Requirement added and additional notes RUB  VO codes updated GTQ  IBAN Recommended but mandatory after 1 st July ALL  Additional Considerations: less than $25 dollar equivalent AOA  IBAN made mandatory AZN  Beneficiary Tax ID Required BGN  Additional Considerations: added. BIF  Beneficiary Telephone number required BMD  Beneficiary address note added BRL  Exact Bank Location needed if swift eight digits COP  Exact Bank Location needed if swift eight digits DOP  Beneficiary Telephone number required GEL  Exact Bank Location needed if swift eight digits HNL  Required Beneficiary Account Type

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DOCUMENT MODIFICATION HISTORY CONTINUED

VERSION CURRENCY/SECTION CHANGE COMMENTS 2.7 Continued HTG  Required Reason for Payment SLL  Exact Bank Location needed if swift eight digits GUIDELINE ADDITIONAL  Note of non-allowance of P.O Box addresses REQUIREMENTS TND  IBAN Recommended SCR  Required Beneficiary Details and Ordering Party Details IBAN Formatting Guide  Morocco IBAN Number Updated to twenty four GEL  Additional considerations payment advise to beneficiary bank KES  Required Routing Code USD  Guam added to domestic fedwire PHP  Additional considerations swift updates ARS  Purpose of Payment UAH  Purpose of Payment INR  INR POP codes updated KRW  RECOMMENDED: Beneficiary ID INR  Purpose of Payment BHD  Purpose of Payment HUF  Purpose of Payment ILS  Purpose of Payment JOD  Purpose of Payment KWD  Purpose of Payment OMR  Purpose of Payment TND  Purpose of Payment TRY  Purpose of Payment ILS  Additional considerations ILS to Palestine XCD  Beneficiary Bank Country EUR  France IBAN Updated for Cle RIB AED  Addendum 1.3 Cut off times amended BHD  Addendum 1.3 Cut off times amended HUF  Addendum 1.3 Cut off times amended ILS  Addendum 1.3 Cut off times amended ISK  Addendum 1.3 Cut off times amended JOD  Addendum 1.3 Cut off times amended KWD  Addendum 1.3 Cut off times amended MAD  Addendum 1.3 Cut off times amended OMR  Addendum 1.3 Cut off times amended QAR  Addendum 1.3 Cut off times amended THB  Addendum 1.3 Cut off times amended TND  Addendum 1.3 Cut off times amended TRY  Addendum 1.3 Cut off times amended INR  Addendum 1.3 Cut off times amended SCR  Addendum 1.3 Cut off times amended PKR  Addendum 1.3 Cut off times amended

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2.7 Continued EGP  Addendum 1.3 Cut off times amended LTL  Addendum 1.3 Cut off times amended LVL  Currency removed LVL  Addendum 1.3 Cut off time removed CAD  Additional consideration removed for Non-cad JMD  Required transit code ARS  Required beneficiary address TZS  Invoice requirement removed UZS  Required Contact name and telephone number

© 2013 Western Union Holdings Inc. All rights reserved.

Western Union Business Solutions is a division of The Western Union Company. Services in the US are provided by Custom House (USA) Ltd. and Western Union Business Solutions (USA), LLC (collectively referred to as "WUBS" or "Western Union Business Solutions"). For a complete listing of US state licensing, visit http://business.westernunion.com/about/notices/. For additional information about Custom House (USA) Ltd. and Western Union Business Solutions (USA), LLC, visit http://business.westernunion.com/about/compliance/ .

This brochure has been prepared solely for informational purposes and does not in any way create any binding obligations on either party. Relations between you and WUBS shall be governed by the applicable terms and conditions. No representations, warranties or conditions of any kind, express or implied, are made in this brochure.

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