THE FOLLOWING TERMS AND CONDITIONS ARE APPLIED ON MOL TRANSFERS, BILLS COLLECTION, CASH TO BANK & CASH TO BUSINESS SERVICES MOL Money Transfer Service: MOL transfers can be sent and picked up at MOL agents/locations in the Lebanese territories. Different limits may apply on the MONEY transfers amounts sent or received. Regular money transfers are usually available within minutes for pick up by the Receiver, subject to the opening hours of the receiving MOL agents/locations. All payments are subject to: 1) The Receiver showing documentary evidence of his/her identity and providing the following details about the money transfer required by MOL: a) The Local Money Transfer Number (LTN) b) Sender’s name c) Approximate amount d) Any other condition or requirement applicable. 2) Payment can be made even when the form filled out by the Receiver contains errors 3) MOL agents/locations will not carry out a comparison of the “To Send Money” form against the “To Receive Money” form to verify the address given for the Receiver. Applicable law prohibits money transmitters from doing business with certain individuals. To comply, MOL is required to screen all transactions against lists of names provided by the Lebanese Government. If a potential match is identified, MOL must research the transaction to determine if the individual matched is in fact the one on the relevant list. On occasion, customers are required to provide additional documents or information. Transactions may thus be delayed. This is a legal requirement for all MONEY transactions processed by MOL. Transfer fees are displayed at the MOL agents/locations. The Sender will bear all fees for the money transfer as mentioned on MOL receipt. The Sender does not have to pay any extra fees not mentioned on MOL receipt. Special Services: An SMS notification may be sent to the mobile phone number provided by the sender, to indicate that the transaction has been collected by the Receiver. Refund: MOL will refund the principal amount of a MONEY transfer upon the written request of the Sender if the transaction was not collected by the Receiver. If the transfer is stopped at the Sender’s request, transfer fees may not be refunded. The MONEY transfer will be fully refunded (principal + fees), if the transfer was refused by MOL. Sender’s Liability: THE TRANSACTION’S DATA IS CONFIDENTIAL. THE SENDER SHOULD NOT SHARE THIS INFO WITH ANY PERSON OTHER THAN THE INTENDED RECEIVER. THE SENDER IS CAUTIONED AGAINST SENDING MONEY TO A PERSON HE/SHE DOES NOT KNOW. IN NO EVENT SHALL MOL BE LIABLE IF THE SENDER COMMUNICATES TRANSACTIONAL DATA TO ANY PERSON OTHER THAN THE INTENDED RECEIVER. IF THE SENDER SENDS AN LTN IN ORDER TO PAY THE RECEIVER FOR BUYING GOODS OR RENDERING SERVICES, MOL DOES NOT GUARANTEE THE DELIVERY OF THE SAID GOODS AND/OR SERVICES EVEN IF THE LTN WAS PAID TO THE RECEIVER. DATA PROTECTION: Your personal information is processed under the applicable laws and is controlled by MOL. MOL uses personal data (“Information”) provided in the MONEY transfer instruction, together with other information which is collected or generated during the course of your relationship with MOL, such as transaction, transaction history and marketing preferences, for the purposes of providing you with the requested services (including, among others, for purposes such as administration, customer service, user validation, fraud prevention and product and business development activities). MOL will hold and retain the information that the Sender gives us about another person such as the details of the Receiver of the MONEY transfer service (“the Third Party’s Information”) in order to execute the transaction. The provision of information and the Third Party’s Information is voluntary but necessary to execute the transaction. Without the relevant information, MOL is unable to execute the MONEY transfer, facilitate convenience activities or other requested services. MOL may disclose your information and your Third-Party Information “Restricted Information”, to third parties, where reasonably necessary, for the purposes of prevention and detection of crimes, prosecution of offenders, for national security or when required by law. MOL retains information, the marketing preferences and transaction history of the Sender based on our record retention schedules for no longer than is necessary for the purposes for which the data were collected and in compliance with applicable laws. You consent to the Restricted Information being transferred inside Lebanon. The Restricted Information will be transferred for the purposes indicated in these Terms and Conditions to enable MOL to provide the MONEY transfer service and additional services. The categories of data transferred are personally identifiable information, contact details and information relating to the MONEY transfer, transaction history, and any other Restricted Information supplied by you. You have the right to access and ask for a copy of your information for which MOL Head Office may charge a small sum to the extent permitted by applicable law. You may also correct, erase or block information which is incomplete, inaccurate or out–of-date. You may also object at any time on legitimate grounds relating to your particular situation to the processing of your information, where the processing is not required to complete the service, by law or regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from MOL, please contact MOL in accordance with the applicable law. Bills Collection Service: MOL agents/locations will accept the settling of the phone/mobile bills to any person who provides MOL agents/locations with the phone/mobile number. Amounts will be settled in the customer’s bills currency regardless of the cash currency submitted to MOL agents/locations. Cash To Bank & Cash To Business Services: MOL agents/locations will accept transactions from any person who holds or provides MOL agents/locations with valid information, as the case may be, including but not limited to a “smart card/valid coupon/valid client identity card”, provided by his/her bank/financial institution/company, which specifies the name of the customer and his/her account number. MOL acknowledges that it is only responsible for the transcription of the information of the “smart card/valid coupon/valid client identity card”, to the receipts. Amounts will be settled in the customer’s account currency regardless of the cash currency submitted to MOL agents/locations. Different limits may apply on the amount of each transaction, per service. MOL acknowledges that the confidential information and/or any information relating to the “bank’s/financial institution’s/company’s customers “are protected under the Banking Secrecy Law dated September 3, 1956 and MOL undertakes to comply with the obligations provided for, in the said law. Cash Out/ Cash to Individual: MOL agents/locations will cash out a transaction to the individual holding a valid ID matching the name on the transaction, the transaction number (loan number, phone number…) and the OTP which are provided by the 3rd party institution. The payout amount and currency showing on the receipt are defined by the 3rd party institution. General Conditions (common between all mentioned services): Customers can benefit from these MOL services at MOL agents/locations in the Lebanese territories. Means of payments: Transactions (LBP or USD) will only be settled through cash payments; all other means of payments such as checks shall not be accepted. Transactions fees: Written information explaining how MOL charges the customers on the executed transactions will be shown to the customers prior to the completion of the payment order. Proof of Payment: A receipt will be delivered to the person carrying on the transaction and will be considered as an official receipt confirming the carrying out of the transaction. MOL’s Liability: MOL SHALL BE RESPONSIBLE AND LIABLE FOR THE GROSS NEGLIGENCE AND WILLFUL MISCONDUCT OF ITS EMPLOYEES AND AGENTS AS WELL AS FOR ANY COUNTERFEIT, FRAUD AND OTHER RELATED ISSUES OCCURING AT MOL AGENTS/LOCATIONS. IN NO EVENT WILL MOL OR ITS AGENTS/LOCATIONS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES. Confidential Information: MOL shall not disclose the customer information to any third person other than its officers, employees, agents unless the disclosure is required by the law. Money Over Line S.A.L. – Capital L.L. 50,000,000,000 fully paid – Central Bank of Lebanon decision# 16/18/23 Verdun Bldg., Beirut, Lebanon – Beirut – Tel: +961 1 808 401 (3 lines) – www.mol.com.lb ANY INQUIRIES SHOULD BE FORWARDED TO THE ABOVE ADDRESS