USER AGREEMENT

This User Agreement is between Golden Money Transfer, Inc. (“GMT”), a California Corporation with its principal office located 739 Fourth Avenue, Suite 204, San Diego, CA 92101, conducting business under its filed Fictitious Business Name Inyo, and You, an existing or new customer of GMT (“Customer”). This User Agreement is effective as of January 19, 2016 and governs the terms under which you may access and make use of GMT’s website (for purposes of this User Agreement, "websites" includes https://www.gmtsend.com/ , GMT’s Domain, and any associated mobile applications) and the services associated with it (the "Online Services"). If you do not agree to be bound by this User Agreement, do not access or use the Service. By accessing and using the Service, you are agreeing to the User Agreement.

As used throughout this User Agreement, the terms "GMT", "we", "us", and "our" refer to Golden Money Transfer, Inc., a California corporation, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. The terms “Customer” "you" and "your" refer to users of the Service, whether in their capacity as Senders, Remitters, Recipients, Beneficiaries, or visitors to our websites.

OVERVIEW OF THE SERVICE

The Service is intended for our customers to send money transfers to family and friends. We recommend that you use the Service only to send money to people you know personally. You should never use the Service to send money to strangers.

CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD. Only send money to people you personally know, safeguard your password, send for yourself and not on behalf of others, and only use GMT for legal purposes. Transferring money through GMT’s service for commercial purposes is prohibited. Please do not attempt to use the service to send money to anyone that you do not personally know as fraudulent beneficiaries do exist, and will try many ways to convince others to send them money. The following describes the “red flags” associated with fraud-induced wire transfers, and ways to recognize if you may be a victim of wire fraud. To help prevent consumer fraud, ask yourself the following: Are you sending money to claim lottery or prize winnings, or on a promise of receiving a large amount of money? Are you sending money because you were "guaranteed" a credit card or loan? Are you responding to an Internet or phone offer that you aren't sure is honest? Are you sending money to someone you do not know or whose identity you cannot verify? Remember, if it seems too good to be true, it probably is.

If so, stop the transaction immediately and call Golden Money Transfer, Inc. at 1-888-702-5656 or email us at info@gmtnorthamerica.com. Please let us know immediately if you believe someone is trying to scam or defraud you, or if your login information has been lost or stolen. If your money has not been picked up yet, then it will be returned to you. Reimbursement will only take place when the money transferred has not been paid out to the beneficiary. GMT will not be liable for a refund once the money has been picked up.

ELDER ABUSE. Elder abuse includes the illegal or improper use of an older adult’s funds, property, or assets. Older adults are attractive targets because they may have significant assets or equity in their homes. They may be especially vulnerable due to isolation, cognitive decline, physical disability, health problems, and/or the recent loss of a partner, family member, or friend. Prompt reporting of suspected financial exploitation to adult protective services, law enforcement, and/or long-term care ombudsmen can trigger appropriate intervention, prevention of financial losses, and other remedies. If you suspect that you may be the victim of elder financial abuse, please promptly report your compliant to Golden Money Transfer, Inc. at 1-888-702-5656 or email us at info@gmtnorthamerica.com.

IMPORTANT NOTICE FOR USING ACCOUNTS: MAKE SURE THE ACCOUNT NUMBER, ACCOUNT PROVIDER DETAILS, AND CURRENCY SELECTED ARE CORRECT BEFORE SENDING. IF THE ACCOUNT NUMBER OR ACCOUNT PROVIDER DETAILS ARE INCORRECT, THEN MONEY MAY BE DEBITED OR CREDITED TO THE WRONG ACCOUNT AND MAY NOT BE RECOVERED. GMT IS NOT RESPONSIBLE FOR VERIFYING THAT ACCOUNT INFORMATION IS CORRECT, AND WILL NOT BE HELD LIABLE FOR A REFUND ONCE MONEY HAS BEEN PAID OUT.

Now, therefore, GMT and Customer agree as follows:

1. Acceptance and Eligible Accounts

(a) Acceptance. CUSTOMER AGREES TO BE BOUND BY THE TERMS OF THIS USER AGREEMENT. CUSTOMER INDICATES SUCH ACCEPTANCE BY ITS ENROLLMENT IN OR USE OF THE ONLINE SERVICES. Customer agrees that the use of the Online Services is also subject to the terms, conditions, and fees of each account as set forth in GMT’s Privacy Policy relating to the services provided. Customer agrees to comply with GMT’s Privacy Policy, the Bank Secrecy Act, and the US Patriot Act at all times.

(b) Eligible accounts. GMT reserves the right to limit Online Services to certain types of accounts. The Online Services are currently limited to Customers and are not available to Certain Residents. The Online Service may not be available in whole or in part in different states, jurisdictions, and countries outside of:

Alabama, Alaska, Arkansas, California, Connecticut, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, and Washington D.C.

2. Available Services

Customer may use the Online Services to:

  • Conduct a money transfer request
  • Request a stop payment
  • Receive electronic delivery of statements and disclosures that would normally be mailed

3. Account Access

(a) Authorization. You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.

(b) Required equipment. Customer must use a personal computer equipped with a Web Browser, supporting 128-bit encryption, and access to the Internet to make use of Online Services. Customer is solely responsible for the selection, set-up and maintenance of the computer hardware and software. Customer may optionally use a computer printer to print hard copies of the information received through Online Services.

(c) User ID and Password. Customer is required to have a User Identification (“User ID”) and a password, or a valid Social media account via Facebook or Google Plus. A valid User ID shall be at least (6) characters in length for the eligible account(s). Customer must agree with all of the terms and conditions of use of the system. CUSTOMER AGREES TO TAKE ALL REASONABLE PRECAUTIONS TO PREVENT UNAUTHORIZED ACCESS TO THEIR USER ID AND THE PASSWORD, OR TO THEIR SOCIAL MEDIA ACCOUNT LOGIN INFORMATION. IF CUSTOMER BELIEVES THAT HIS/HER PASSWORD HAS BEEN STOLEN OR COMPROMISED, THEN CUSTOMER SHALL IMMEDIATELY CONTACT GMT AT THE TELEPHONE NUMBER BELOW.

Phone: Golden Money Transfer Inc. 1-888-702-5656

Written Mail: Golden Money Transfer, Inc.

Attn: Manager, Customer service

739 4th Avenue, Suite 204

San Diego, CA 92101

Email: info@gmtnorthamerica.com

4. Services

(a) Money Transfer. If you submit a Transaction, then you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion. We generally do not let you change the details of your Transaction once it is submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate. By initiating a transaction from an Account (an "Account Funded Transaction"), You (i) affirm You are the owner of the Account and have authority to initiate the transaction and (ii) authorize GMT to initiate electronic debits and credits to Your Account, to process and correct errors, or determine if a transaction cannot be completed. GMT may by law be liable for damages caused by its failure to debit Your Account in accordance with these terms and conditions, in the correct amount or in a timely manner when properly instructed by You. However, GMT will not be liable where: (1) You do not have enough money available in Your Account; (2) Your Account is closed or withdrawals restricted; (3) the transaction exceeds dollar or frequency limitations imposed by GMT or Your Account Provider; (4) circumstances beyond GMT’s control (such as flood, fire, power outages, mechanical or system failures); (5) Your Account Provider does not honor a transaction, the transaction is not processed or the transaction is returned by Your Account Provider; (6) Your instructions are lost or delayed in transmission to GMT; (7) GMT fails to process your transaction because of a reasonable security concern or the Service option has been discontinued or suspended, or GMT otherwise advises You that Your request will not be processed; and (8) other exceptions allowed by law.

(b) Unauthorized Transactions. You may not use the Online Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Online Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances, or to send money to a Beneficiary that has violated the User Agreement. If you use the Online Service in connection with illegal conduct, GMT reserves the right to report you to the appropriate law enforcement agency or agencies.

(c) Funds Disbursement/Payment. GMT maintains relations with domestic and international banks, money exchange houses, bill payment services, and other third party service providers. Funds will be disbursed to the recipient (Beneficiaries) through GMT’s network of Correspondents. As a Remitter, you hereby appoint your Beneficiary as your agent for the purpose of receiving funds remitted by you through the Service.

(d) Verification. Beneficiaries may be required to prove their identity by presenting a valid, current government issued photo identification in order to collect funds, and may be required to provide a Transaction Number, along with a corresponding personal identification number (or PIN),associated with their Transaction, before funds are released. You give GMT permission to contact your Beneficiary and to store all such data, as necessary to provide the Service. As a User, you agree that we are not to be held liable for any delay in transmission of any transaction, refund or credit being issued to or from your Account. GMT will not be held liable for inability to collect funds based on Foreign Correspondents’ office or banking hours, or any rules or policies they have established for funds collection and/or funds disbursement. We attempt to provide up-to-date information on our websites, but you agree that GMT is not responsible for any inaccurate or incomplete information that may be posted on its websites. Please verify account information and bank details are correct prior to submitting your Transaction because GMT is not responsible for detecting inaccuracies. If account information and bank details are incorrect money may be sent to the wrong bank account and may not be recovered.

(e) Disclosure of Information. GMT does not sell or share your personally identifiable information with others. If we change this policy, we will let you know beforehand, and give you an opportunity to "opt out." As exceptions to this policy, we may from time to time provide personally identifiable information about you to others. As a general rule, we do not share information with others under programs where the other person will use the information to market their products or services to You. If we decide to change this policy, we will inform you of the change and give you an opportunity to prevent the sharing by "opting out." GMT will disclose information to third parties about your account or your requested transactions should such disclosure be necessary for completing transactions; to verify the existence and condition of your account with us for a third party, such as a credit bureau or merchant; to comply with government agency or court orders as required by law as part of any legal or regulatory requirements imposed upon us, including for compliance purposes; to assist GMT in servicing your account; to offer you additional products and services; and in situations where Customer gives GMT written permission to effect such disclosure. GMT shall not disclose any of Customer’s account information to any third party with the exception of the foregoing. By agreeing to this User Agreement, you acknowledge and consent to GMT's Privacy Policy, which is an agreement between you and GMT. The Privacy Policy can be found on our website.

(f) Anti Money Laundering and the Bank Secrecy Act. As a money service business, we are directly regulated by the federal government and by the various U.S. States in which we are MSB licensed. It is our policy to comply with all applicable laws at all times. GMT’s software is integrated with the US Department of Treasury, OFAC, SDN, CFSP, PLC lists, and verifies sender and beneficiary names entered to conduct transaction. Both sender and beneficiary names are also cross checked with the Politically Exposed Person (PEP) List as well. Under no circumstances will GMT accept funds from illicit and/or an illegal source. GMT complies with all state, federal and international AML/ BSA rules. Fund transfer may be on extended hold for regulatory reasons. GMT may require additional information or documentation for certain transactions based on internal policies, or at the request of its foreign correspondents. GMT may decline transferring funds for non-compliant users.

(g) Restricted Activities. In connection with your use of our Online Services, or in the course of your interactions with GMT, a user or a third party, you will not: (1) Breach this User Agreement, or any other agreements between you and GMT; (2) Provide false, inaccurate, or misleading information; (3) Refuse to cooperate in an investigation, or provide confirmation of identity or any information you provide to us; and (4) Use an anonymizing proxy, or any automatic device, or manual process to monitor or copy our website without our prior written permission.

5. Fees

(a) Transaction Fee. Customer agrees to pay and authorizes GMT to access, charge, or debit Customer’s account(s) for the charges or fees for each Transaction that you submit (the "Transaction Fee") plus the Transaction Amount. Additional charges may apply. Payment is due in U.S. Dollars at the time your Transaction is submitted for processing. If you submit a Transaction that results in GMT being charged non-sufficient fund fees, chargeback fees, or other similar fees, then you agree to reimburse GMT for all such fees. If your payment fails or is insufficient, then we may re-try debiting your Payment Instrument one or more times or you may authorize us to try debiting a different Payment Instrument(s). You represent and warrant that you are the lawful owner of your Payment Instrument(s).

(b) Other Charges. GMT is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument. GMT is not responsible for any such fees, nor are we responsible for non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit card issuer, or other provider in connection with your use of the Service.

6. Cancellation and Refunds

You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the funds have already been paid out to the Recipient or Service Company. After 30 minutes, we generally do not provide refunds, unless we did not process your Transaction according to your instructions or we are unable to pay out the Transaction. To request a refund, please contact Customer Service by e-mailing, calling, or writing to GMT at the e-mail address, phone number, or physical address below.

Phone: Golden Money Transfer Inc. 1-888-702-5656

Written Mail: Golden Money Transfer, Inc.

Attn: Manager, Customer service

739 4th Avenue, Suite 204

San Diego, CA 92101

Email: info@gmtnorthamerica.com

GMT will make every effort not to debit your Payment Instrument after it has received your request for cancellation. However, in some cases, GMT may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction, but GMT will refund your money usually within four (4) business days after GMT has received the funds from your financial institution.

Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refund amounts will not be adjusted to account for changes in the value of the U.S. Dollar or foreign currency from the time your Transaction was submitted.

7. Right to Refund

The following RIGHT TO REFUND disclosure applies to Customers with a Valid California Address:

You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Golden Money Transfer, Inc., does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.

If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money.

If you want a refund, you must mail or deliver your written request to Golden Money Transfer, Inc., at 739 4th Avenue, Suite 204, San Diego, CA 92101. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code.

The following RIGHT TO REFUND disclosure applies to Customers with a Valid Washington Address:

Golden Money Transfer, Inc. and its authorized delegates shall refund to the customer all moneys received for transmittal within ten days of receipt of a written request for refund unless any of the following occurs:

(a) The monies have been transmitted and delivered to the person designated by the customer prior to receipt of the written request for a refund;

(b) Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund;

(c) Golden Money Transfer, Inc. or its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or

(d) Golden Money Transfer, Inc. is otherwise barred by law from making a refund.

8. Error Resolution and Consumer Complaints

Error Resolution & Cancellation Disclosure: You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1-888-702-5656 or http://www.gmtnorthamerica.com/contacts.html .You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment unless the funds have been picked up or deposited. For questions or complaints about Golden Money Transfer, Inc., contact info@gmtnorthamerica.com

To resolve an error or file a complaint, please contact GMT Customer Service before contacting your Jurisdiction with a complaint:

Phone: Golden Money Transfer Inc. 1-888-702-5656

Written Mail: Golden Money Transfer, Inc.

Attn: Manager, Customer service

739 4th Avenue, Suite 204

San Diego, CA 92101

Email: info@gmtnorthamerica.com

Golden Money Transfer, Inc. is licensed and regulated by the Department of Financial Institutions in its respective State where GMT has been issued an MSB license. If you have any complaints with respect to any of the money transmission activities conducted at this location, please contact the appropriate jurisdictions regulatory division, please see below:

Jurisdiction Regulatory Authorities PDF License
Alabama Alabama Securities Commission Alabama
Alaska Alaska Division of Banking and Securities Alaska
Arkansas Arkansas Securities Department Arkansas
California California Department of Financial Institutions California
Colorado Colorado Division of Banking Colorado
Connecticut Connecticut Department of Banking Connecticut
Delaware Delaware Office of the State Bank Commissioner Delaware
District of Columbia District of Columbia Department of Insurance, Securities and Banking District of Columbia
Florida Florida Office of Financial Regulation Florida
Georgia Department of Banking and Finance Georgia
Idaho Idaho Department of Finance Idaho
Illinois Illinois Department of Financial Institutions Illinois
Massachusetts Massachusetts Consumer Affairs and Business Regulation Massachusetts
Maryland Maryland State Bank Commissioner Maryland
Minnesota Minnesota Department of Commerce Minnesota
Missouri Missouri Division of Finance Missouri
New Mexico New Mexico Financial Institutions Division New Mexico
North Carolina North Carolina Commissioner of Banks North Carolina
North Dakota North Dakota Department of Financial Institutions North Dakota
New Jersey New Jersey Department of Banking and Insurance New Jersey
Nevada Nevada Department of Business and Industry Nevada
Oregon Oregon Division of Finance and Corporate Securities Oregon
South Dakota South Dakota Division of Banking South Dakota
Tennessee Tennessee Department of Financial Institutions Tennessee
Texas Texas Department of Banking Texas
Utah Utah Department of Financial Institutions Utah
Virginia Virginia Bureau of Financial Institutions Virginia
Washington Washington Department of Financial Institutions Washington

9. Electronic Delivery of Statements

(a) Customer’s acceptance of this Agreement indicates Customer’s authorization to have GMT electronically deliver or post to Customer’s account all statements, documents, and notices, including all statements and notices required to be delivered under state and federal laws, where such electronic delivery is permitted. When you use the Online Services, you consent to receive communications from us electronically. “Communications" may include but are not limited to: receipts, agreements, notices, disclosures, amendments, statements, information regarding the debiting and crediting of your bank account, debit or credit card, the history and confirmation of transactions, account statements, notices of changes to the account, customer service communications, and other information regarding the Online Services. Should Customer have more than one account, Customer may elect to receive one electronic statement reflecting all information for all accounts.

(b) Customer will receive an account statement for every transaction. These statements will list current money transfers, and other activity to or from your account.

(c) Each electronically delivered document shall remain accessible to Customer for a period of 90 days from the date it is delivered or posted to Customer’s account. Electronically delivered documents may be printed or downloaded to and stored on Customer’s computer. GMT shall retain copies of all electronically delivered statements for a period of five (5) years. Customer may obtain copies of all electronically delivered statements upon written notice to GMT. You agree that all communications we provide to you electronically, including our User Agreement, satisfy any legal requirement that such communications be in writing.

(d) GMT shall use its best efforts to electronically deliver all documents in a timely manner. GMT SHALL INCUR NO LIABILITY FOR LATE ELECTRONIC DELIVERY OF DOCUMENTS SHOULD THE ONLINE SERVICES OR THE GMT WEB SITE MALFUNCTION AND CUSTOMER HAS BEEN ADVISED OF SUCH MALFUNCTION, IF CUSTOMER’S COMPUTER OR INTERNET ACCESS IS NOT FUNCTIONING, OR SHOULD DELIVERY BE DELAYED DUE TO UNFORESEEN EVENTS BEYOND GMT’S CONTROL.

10. Liability

(a) Customer agrees that GMT is not responsible for any errors or failures from any malfunction of Customer’s computer or any virus or problems related to the use of Online Services. GMT is not responsible for damages arising from the use or maintenance of software used to access Online Services. Customer agrees to cooperate with GMT in the investigation of any claim or dispute and to provide GMT with information and documentation as may be necessary in order to assist GMT in resolving any claim or dispute involving Customer.

(b) LIMITATION OF DAMAGES. SUBJECT TO ANY APPLICABLE LAW TO THE CONTRARY, IN NO EVENT SHALL GMT, ITS SUPPLIERS, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSACTION FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF GMT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF GMT, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES, CONSULTANTS OR CORRESPONDENTS.

11. GMT'S Intellectual Property

You acknowledge that the Online Services, including the content of GMT’s websites, text, links, logos, and images, as well as all other GMT copyrights, trademarks, trade secrets, service marks, logos are owned exclusively by GMT (the "GMT Intellectual Property"), and may not be used for any purpose without the express written consent of GMT.

The technology and software underlying the Online Service are the property of GMT and/or Service Providers (the "Software"). GMT hereby grants you a non-transferable and non-exclusive right and license to use the object code of the Software on your device(s) solely in connection with the Online Service. Any rights not expressly granted herein are reserved by GMT.

GMT is a registered trademark of Golden Money Transfer, Inc. in the United States.

12. Indemnity

You agree to indemnify and hold GMT, its suppliers, vendors, Service Providers, Service Companies and their respective subsidiaries, officers, agents, partners, employees, and consultants harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the User Agreement, or your violation of any rights of a third party.

13. Governing Law and Arbitration

(a) This User Agreement is formed under and shall be interpreted in accordance with the laws of the State of California.

(b) This User Agreement is governed by all applicable state and federal laws and regulations, except to the extent that this Agreement can and does vary from such laws. If any of the terms of this User Agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.

(c) If a dispute arises between you and GMT, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we will provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and GMT regarding the Service may be reported to Customer Service by telephone at 1-888-702-5656; by fax at 619-702-7378; or by mail at Golden Money Transfer, Inc., Attn: Customer Service, 739 4th Avenue Suite 204, San Diego, CA 92101, USA.

(d) Customer agrees that any and all claims, disputes or controversies that arise out of or are based on the Service, or User Agreement, or involving claims of fraud or misrepresentation, or otherwise, will be resolved by binding arbitration by the American Arbitration Association. This agreement to arbitrate will apply no matter by whom or against whom the claim is made. Any arbitration hearing, if one is held, will take place at San Diego, California. This arbitration agreement is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. You agree to submit to the personal jurisdiction of the courts located within San Diego County, California for the purpose of litigating all such claims or disputes. This arbitration agreement will survive the termination of this User Agreement and the surrender, termination or discontinuance of the Online Services.

(e) To the extent permitted by law, Customer agrees not to bring, join or participate in any class action with regard to any claim, dispute or controversy Customer may have against GMT, its employees, officers, directors or agents.

(f) For any claim, excluding those made for injunctive or other equitable relief, where the total amount of the award sought is less $1,000 USD, the party requesting the relief may elect to resolve the dispute in a cost-effective arbitration. If a party chooses arbitration, that party will initiate such arbitration through an established alternative dispute resolution provider mutually agreed upon by the parties. The chosen provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

(g). All claims you bring against GMT must be resolved in accordance with Section 12 of this User Agreement. All claims filed contrary to this User Agreement shall be considered improperly filed, and a breach of this Agreement. GMT may recover attorneys’ fees and costs of up to $1,000 USD if you file a claim contrary to this Agreement, provided that GMT has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

14. Amendments

GMT may amend or change this Agreement at any time after such notice or authorization, if any, as is required by law. If no notice or authorization is required by law, Customer’s continued acceptance of electronic disclosures statements after the effective date of such change will constitute Customer’s acceptance of and agreement with such amendment(s).

15. Notices

Customer may contact GMT for any reason, including the aforementioned reasons relating to transfers or electronic delivery, at the following location or using the following phone number or e-mail. CUSTOMER MUST CONTACT GMT SHOULD ANY DISCREPANCY IN CUSTOMER’S ACCOUNT ARISES, INCLUDING ALL SUCH DISCREPANCIES SET FORTH IN THIS AGREEMENT. GMT’s business days are Monday through Saturday, 8 AM to 7 PM PST. Phone number, e-mail, and physical location of main office:

Phone: Golden Money Transfer Inc. 1-888-702-5656

Written Mail: Golden Money Transfer, Inc.

Attn: Manager, Customer service

739 4th Avenue, Suite 204

San Diego, CA 92101

Email: info@gmtnorthamerica.com

GMT is operated under the MSB licenses of Golden Money Transfer, Inc. (GMT), and is also Doing Business As Inyo.

GOLDEN MONEY TRANSFER, INC. A CALIFORNIA CORPORATION