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VIJAYA BANK

INDEX: Head Office, Money Transfer Service M.G.Road, Bangalore–560001

Date: 07-06-2012 CIRCULAR No.12113 To: ALL BRANCHES AND ALL OTHER OFFICES Dear Sir,

Subject: Western Union Money Transfer [WUMT] Services

Summary Re-entering with Wall Street Finance Ltd [WSFL] – a Principal Agent of [M/s Western Union Money Transfer Services – Inc.[USA]]

Earlier Reference

HOC 10075/2010 dated 06.05.2010 HOC 119/2005 dated 24.06.2005

Background Money Transfer Service Scheme (MTSS) is a quick and easy way of transferring personal remittances from abroad to beneficiaries in India. Only inward personal remittances into India such as remittances towards family maintenance and remittances favouring foreign tourists visiting India are permissible. No outward remittance from India is permissible under MTSS. The system envisages a tie-up between reputed money transfer companies abroad known as Overseas Principals and agents in India known as Indian Agents, who would disburse the funds to the beneficiaries in India at ongoing exchange rates. The Indian Agent is not allowed to remit any amount to the Overseas Principal. Under MTSS, the remitters and the beneficiaries are individuals only. Most of the Indians who work abroad use MTSS channel to send money to their family members, friends etc residing in India. The Overseas Principals operate in India through their Super Agents/Principal Agents who in turn appoint Sub Agent as payment outlet. The Money Transfer Scheme operates as under:

A. At the overseas location:

01) The remitter abroad remits the money through one of the outlets of Agent location of Overseas Principal. The formalities of remittance are similar to one we are using in case of DD.

02) At the remittance outlet a unique secret number is generated and it is furnished to the remitter. This number serves as a reference number for the transaction. The remitter, along with the details of amount remitted, passes this number to the intended beneficiary (receiver) in India.

Merchant Banking

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B. At the paying location in India

01) The Receiver in India goes to one of the payment outlet and submits an application furnishing the details of remittance and unique number.

02) The receiver is required to submit his Identity Proof and Address proof as per KYC norms.

03) The paying agent logs on to website of Overseas principal and blocks the unique number for payment.

04) After verification of ID and Address proof of the receiver, the amount is paid to the receiver.

Important RBI guidelines for Money Transfer Service Scheme.

01) Only personal remittance such as remittance towards family maintenance and remittances favouring foreign tourists visiting India are permissible. Both Receiver & Sender should be Individuals. Trade related remittances towards purchase of property, investments or credit to NRE/FCNR accounts etc or donations/contributions to Charitable Institutions/Trusts are not permissible under the scheme.

02) The maximum amount that can be received by the beneficiary per transaction from abroad is USD 2500 or its equivalent.

03) Payments to the recipients in India should be made in Indian Rupees on the basis of on-going exchange rates.

04) During a calendar year an individual can receive only 12 remittances. 05) Amount remitted below `50000 can be paid in cash to the receiver. If the

amount remitted is `50000 and above should be paid by cheque/DD/PO or credit to customer's account with the bank.

06) In case of foreign tourist, total amount remitted can be paid in cash. Re-entering with Western Union for money transfer service Vide HOC10075/2010 dated 06-05-2010; Bank has exited from the Sub-Agent arrangement for money transfer services with WSFL. Now the Bank has re-entered as Sub-Agent of Wall Street Finance Ltd [a Principal Agent of Service provider of [M/s Western Union Money Transfer Services – Inc.[USA]] by signing Memorandum of Understanding on 23-05-2012. About Western Union and Wall Street Finance Ltd

1. Western Union is a USA based company which is in existence for over 160 years. Western Union is a global leader in money transfer service having presently more than 90,000 agent locations in India.

2. WSFL is one of the first Principal Agent of Western Union in India who is authorized to appoint sub-agents across the country and a part of Spice Global Group, a conglomerate worth US$ 2 billion. WSFL is a listed non-banking financial company dealing with Foreign Exchange and Money Remittance as its core activities for the past 2 decades. WSFL is a Authorized Dealer (Category II) licensed by the Reserve Bank of India (RBI) operational over 55 locations in India

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Flow Chart of agency arrangement for Western Union

Payment procedure

In Phase I 400 branches are designated to make payment under Western Union Money Transfer Service.

The Western Union software will be installed in the branches. Wherein branches can login into Western Union website and verify the details of the MTCN number and make the payment to customer immediately.

Overseas Branch, Bangalore,(14010) is designated as the controlling

branch for maintaining Current A/c 140100301000110 of WSFL.

Branches have to Debit the Wall street account 140100301000110 and make the payment to customer.

The printed application form will be supplied by WSFL to all the designated

branches.

The identity and address of the beneficiary should be established by obtaining documents as per KYC norms.

Western Union Financial Services, Inc [USA] "Overseas Principal"

Wall Street Finance Ltd[WSFL] "Super Agent" for

"Overseas Principal" i.e. Western Union Financial Services, Inc

VIJAYA BANK "Sub Agent" for WSFL

PAYMENT OUTLETS "Designated branches of the bank"

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TRANSACTION FLOW CHART

• The sign board, publicity materials and application forms will be supplied by WSFL.

• Wall Street officials will visit all the designated branches to install the Software in the Branch PC and to give training to the staff members the staff has to sign the activation certificate

• The digital certificate has been sent through mail to all the branches and the same will be installed by Wall street officials. The site should be installed in the PC where Proxy Site is enabled. For any assistance branches may contact their Regional Computer Centre & Wipro engineers.

• Wall Street officials will place some internal branding & take photographs. Branches are requested to acknowledge the board installation.

• Detailed workflow of transaction blocking in Western Union Software has been enclosed in Annexure 1

• Detailed workflow of transaction creation in Finacle Software has been enclosed in Annexure 2

• Detailed instructions pertaining to KYC & Indicators of suspicious behavior and other instruction has been enclosed in Annexure 3.

• List of branches designated for this purpose is enclosed as Annexure 4

• Branches are requested to co-operate with the Wall Street officials.

Remitter goes to Western Union outlet

Remits money to India

MTCN no. is generated & furnished to the remitter

Remitter furnishes details to Receiver in India

Receiver goes to Vijaya Bank's branch, submits application and KYC compliant documents

Branch enters required details in Western Union software and verify the details and blocks the MTCN no by clicking PAYOUT

Branch on blocking the transaction in western union software, makes the payment to customer by making trasaction in Finacle

Cash is paid to the receiver or A/c is credited or DD issued in favour of receiver

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Advantages to the bank from the tie up arrangement.

The commission will be shared at 70:30 ratio between Vijaya Bank & WSFL

The branches can canvass CASA deposits of receiver in India. The Receiver serves as a link between the bank and Remitter who is

invariably an NRI. The branches can obtain information on NRI through the receiver and canvas for his Non Resident accounts.

By obtaining telephone number and email ID of remitter ,branches can build a Data base of prospective NRI customers

The bank gets wide publicity. Dos

The ID proof and address proof of the Receiver should be established by obtaining required documents under KYC norms. The photocopies of documents obtained for compliance of KYC should be verified with the originals. This should be preserved along with the application form.

All records should be preserved for 10 years. Due importance should be given to the Receiver. Treat the receiver as our

prospective customer. Ensure Quick and Prompt service as it is order of the day for this type of

business. Don'ts

Do not pay the amount in cash if it exceeds `50000 and amount of `50000 & above should be paid by A/c payee DD or by way of crediting to beneficiary's account. However, in case of a Foreign tourist, the amount exceeding `50000 can be paid in cash.

Do not entertain applications of beneficiary if he has already received 12 remittances during the calendar year

It should be noted that there are enough competitors in this business. Branches should ensure prompt counter service to attract more customers.

It is hoped that the branches will take maximum advantage of this tie up arrangement and increase their client base. Yours faithfully, H NARAYAN SHETTY GENERAL MANAGER

Annexure 1

Transactions blocking in WUPOS

Step 1 – Type https://wupos.westernunion.com/agent‐app/ in the Internet Explorer address bar & enter Username/User ID/ Operator ID and Password.

Step 2 – Select Certificate & press Ok

Step 3 – Login window will pop up with error message Invalid Username and/or Password. Please try again. Ignore the error & re‐enter valid/correct Username/User ID/Operator ID and Password.

Step 4 – Click on PAYOUT MONEY or Press F6 to proceed.

Step 5 – Input MTCN (Money Transfer Control Number) & click on Search.

Step 6 – Verify Sender name, Receiver name, Payout amount, Payout currency & then click on Payout.

Step 7 – In order to process the transaction fill up all mandatory fields (* mark) otherwise system will not proceed even after payout.

Step 8 ‐ Click on Payout Now

Step 9 – Once transaction is processed, below mentioned screen pops up.

Step 10 – Click on view and print the receipt. Customer copy and Agent copy can be viewed & can be taken printout.

Customer Copy

Agent Copy

Once ACR printouts are taken, transaction processing gets over.

Annexure 2 : Finacle Transaction Creation Workflow

• Go to Finacle main menu and enter TM – press enter

• For Cash payment enter the below mentioned fields

• Please select the Debit account as 140100301000110 [ Wall Street Finance Ltd]

• Branches should note that Debit amount should be equal the Amount to be paid mentioned in the Western Union Software.

• The following Additional details should be entered by the branch

• Please F4 and make the below credit entry.

• For Transfer entries Debit Wall Street Finance Current account 140100301000110 and

credit to the party account through TM menu option.

Annexure 3

WU Sub‐Agents: Operations and Due Diligence Manual

MONEY TRANSFER SERVICES SCHEME (MTSS)

WSFL is also handling the disbursement leg of the transfer of money from abroad to recipients in India on

account of its tie up with M/s. Western Union Financial Services International, USA.

The funds that can be received in India through MTSS are only for personal remittances towards family

maintenance and remittances favouring foreign tourist visiting India. Trade related remittances,

remittances towards purchase of property, investments or credit to NRE / FCNR accounts, etc or

donations/contribution to charitable organizations are not permitted under the MTS scheme.

The guidelines for disbursement being;

a) Any single remittance under the scheme shall not exceed US $ 2500/‐ or its equivalent.

b) Not more than 12 remittances shall be received by a single recipient through the Principal in a

calendar year.

c) Payments to recipients in India should be made in Indian Rupees on the basis of ongoing exchange

rates as calculated by the system.

d) All payments exceeding Rs.50,000/‐ shall be paid only by Cheque / DD / PO or by direct credit to the

account of the recipient.

e) In exceptional circumstances, when the recipient is a foreign tourist, higher amounts may be

disbursed in cash. Full record of such transactions should be kept for scrutiny by the auditors /

inspectors. For a foreign tourist his passport with valid visa can only be accepted as valid ID proof.

f) Proper records of all payouts in India and reimbursements received from the principal shall be

maintained to facilitate scrutiny / inspection by RBI. Full details of the overseas remitter should also

be made available if called for by RBI.

g) We should closely monitor the trends in remittances and transactions of suspicious nature shall be

investigated and reported to RBI.

h) Neither the sender nor receiver can be an entity, only person to person remittances are allowed.

i) No portion of the remittances received under the arrangement shall be transferred out of India.

j) Remittance cannot be made to minors i.e individuals below age of 18.

k) A person who has stayed in India for more than 182 days in the same or previous Financial Year

(April ‐ March) should be treated as a Indian resident.

Caution: Please note that “Refugees” in India are to be treated as residents and not as foreign tourists;

therefore cash payout is to be limited to be Rs.50000.00 only. Similarly foreign students studying in colleges

in India who have come on a visa which is for over 6 months are considered residents and cash payment is

limited to Rs, 50,000/‐ only.

DOCUMENTATION

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1. Ensure that the "To Receive Money" form is correctly filled up and proper identification is furnished

and retained. Only in the case of regular recipient of MTS we may not insist of ID copy of each

transaction after the first one when the ID copy was taken. For regulars we may take fresh ID every

six months and it should be stored properly for easy recovery.

2. An indicative list of the type of documents/information that may be relied upon for customer

identification is given below;

Category Type of Documents (Self Attested)

Photo Identification (Legal name and any other names used)

1. Passport

2. PAN card

3. Voter’s Identity Card

4. Driving license

5. Aadhar/UID Card

6. Ration Card

7. Refugee Card

8. Identity card (Subject to AP’s satisfaction)

9. Letter from any recognized public authority or public servant verifying the identity and residence of the customer to the satisfaction of the AP

Permanent Address 1. Telephone bill

2. Bank Account Statement

3. Letter from any recognized public authority

4. Electricity bill

5. Ration card

6. Letter from employer (subject to AP’s satisfaction)

(Any one of the documents, which provides customer information to the satisfaction of the AP will suffice)

Clarifications: In case the address on the passport, driving license is different from that on the "To Receive"

form, obtain some utility document like telephone/electricity bill, society maintenance receipt to back up

the same. Also in case customer’s Permanent Residence is different from the present residence, a self

declaration from the customer needs to be taken in the format attached (annexed to this manual) stating

that he/she continues to reside / stay at the mentioned address. The said declaration must be obtained

with his / her signature, which should match with the signatures on the ID proof provided.

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As per the policy of Western Union, the Ration card can be accepted as a photo ID proof only for the Karta

i.e. the head of the family. Since Karta is easily identifiable and acceptable as a valid ID proof, it can be

substantiated. It is recommended to accept Ration card as photo ID proof only for Karta.

As per the confirmation from Western Union and discussions held with the regulatory authorities, Aadhar

card issued by Unique Identification Authority of India (UIDAI) can be accepted for KYC as it can be

categorized under point “Letter from a recognized public authority or public servant verifying the identity

and residence of the customer to the satisfaction of the AP” as stated above in the table.

No Transactions to be done in anonymous fictitious / benami names. If a customer cannot provide

adequate KYC/AML/CFT documents transactions cannot not to be completed.

The above extracts/explanations from the relevant RBI circulars are for the purpose of your better

understanding of the guidelines prescribed by RBI.

For more details and updations on RBI guidelines, kindly log on to

http://www.wallstreetfinanceltd.com/compliance.php and refer the relevant RBI Circulars for the

necessary compliances prescribed by RBI.

RETENTION/ STRORAGE OF KYC AND OTHER DOCUMENTS

According to the master Circular No. 12 issued by RBI on July 01, 2011 all the customer KYC, To Receive

Form and other relevant documents must be retained by the sub‐agents for a period of 10 years from the

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date of transaction. Sub‐agents must strictly follow Know Your Customer (KYC) norms/ Anti‐Money

Laundering (AML) standards/ Combating the Financing of Terrorism (CFT) Prevention of Money

Laundering Act, (PMLA), 2002, as amended by Prevention of Money Laundering (Amendment) Act, 2009 ‐

Cross Border Inward Remittance under Money Transfer Service Scheme. Customer’s documents and

details of Transactions related to Western Union are subject to strict compliance by RBI and can be

audited at any time. Thus Sub‐agent should make proper arrangements to store the documents at a

convenient place from where the documents can easily be procured at any time when required by

regulatory authorities.

Please do not encourage recipients to split transactions so that they avoid or evade the MTSS guidelines.

Do not pay cash if the recipient comes with 2 transactions each below the Rs. 50,000 Cash Limit and

insists on Cash. Total amount should be paid by cheque.

PRECAUTION

Please hand over the money to the beneficiary only after proper identification and within the monetary

limits laid down by RBI. Any payment in excess of Rs.50,000/‐ should be disbursed by Cheque / PO / DD or

by direct credit to the bank account of the recipient the only exception being full payment in cash to

foreign tourist.

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GUIDELINES GIVEN BY WESTERN UNION TO BE FOLLOWED

Below are some of the indicators of suspicious behavior.

‐ The receiver has received money from a seemingly unrelated sender.

‐ A person receives multiple transactions from different person from the same or different countries

and the sender and receiver are seemingly unrelated.

‐ A customer receives any amount from an entity other than an individual. Such transactions should be

refused immediately.

‐ The ID provided by the customer is not valid.

‐ The customer is a foreigner his/her passport does not contain a valid Visa. In case of foreigners do

not accept any ID apart from the passport with a valid Visa.

‐ A customer receives two simultaneous transactions of less than INR 50,000/‐ from the same or

seemingly related senders and insists on cash payments only. In this case the agent should pay the

amount by Cheque only. Please do not encourage or advise the customer to split transactions.

‐ A customer wants to discuss record keeping and reporting duties of agent with the apparent

intention of avoiding them.

‐ Another person is controlling the customer, particularly when the customer is unaware of details of

the transaction or where the person is elderly and is accompanied by non relative.

‐ A student or unemployed person receives large sums of money.

WHAT TO DO IF YOU NOTICE SUSPICIOUS BEHAVIOUR

‐ Remain alert but courteous and enquire about details of transaction from the customer. E.g

relationship between the sender and receiver, the purpose of money transfer.

‐ Using some pretext take the phone number of the customer and verify it discretely.

‐ Customer service is important, but if you are not comfortable do not process the transaction and

escalate to the compliance officer of the company.

‐ The Compliance Officer of the agent should speak to the customer and if he/she is still not

comfortable the matter should be escalated to the compliance officer for advise.

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WESTERN UNION POLICY TO REFUSE A TRANSACTION

‐ If you are still not comfortable with making a payment even after you attempt to help the customer

by obtaining more information on the transaction.

‐ When the customer is reluctant to produce an ID or the ID is not valid or appears to be tampered.

‐ If you are suspicious that the transaction may be related with either money laundering terrorist

financing or other illegal activities or is structured to avoid any record keeping or reporting

requirements.

WHAT SHOULD THE SUSPICIOUS ACTIVITY REPORT CONTAIN

‐ Statement setting the grounds why the transaction appears suspicious.

‐ Full name, address and phone number of the customer.

‐ Copy of the photo ID

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Counter Staff Guidelines for Western Union Transactions

Basically, what is required is 'KYC ‐ Know Your Customer, Know who he is and what he does, which

information can normally be had by chatting with the customer politely.

Records to the transaction, namely the TRF form properly filled up, valid identification documents and local

address proof to be copied and kept properly with easy retrievability and the quick reporting of suspicious

transactions.

At the time when the customer comes with a request for payment and the information is fed into the

system, the name of the sender and other details appears on the screen. If on the face of it, the sender's

name is not matching / having some similarity with that of the Receiver, politely ask the Receiver the

relationship between them both and make a note of it on the reverse of the TRF, like husband, brothers

etc, (you should not put words pertaining to the relationship in the mouth of the receiver).

Similarly, if the receiver is getting funds from more than one person, either from the same country or from

different countries, politely find out the relationship and make a note of it on the reverse of the TRF.

This type of noting will give you some cushion in case anything goes wrong at a later stage and will help

you to establish your bonafided in the eyes of any authority who is probing the transactions.

If the customer is not ready to part with the information or questions you on your authority to ask him I her

this information, politely inform him/her that as per the Money Transfer Scheme only personal remittances

are permitted, that as per latest guidelines of RBI and Western Union, we have to Know our Customer, and

ensure that the M.T.S.S. is not being, among other things used for a purpose other than for what it was

intended.

In case of non satisfactory reply and / or failure to provide requisite documentation / identification, you

may inform WSFLs’ Branch Manager I Area I Regional Manager of the incident for advice, if in case the party

is still not furnishing the requisite information I documentation; can refuse to do the transaction.

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Send all the details of the transactions including reasons for your suspicion by FAX immediately to the

Branch Manager of the local office of WSFL who will escalate it to Head Office. (A specimen of the

Enhanced Due Diligence form is enclosed).

Transactions that emanate from other than individuals for example, organizations I firms I companies, etc.,

should NOT be put through and refused point blank and transactions payable to the organization / firm also

NOT to be put through and refused point blank.

In the case of transactions pertaining to a foreign national, accept only his passport as an ID; and here

transaction can be put through only if, he holds a valid VISA. Don't pay on an expired VISA / passport.

Please note that Western Union does not permit more than one transaction to be paid in a single day to a

single individual.

Also, scrutinize the payments made to find out whether a person has received more than RS.10.00 lacs

within a period of 30 days. If such a thing is noticed, please inform Branch Office of WSFL with all details

immediately by fax so that the same can be reported to the DIRECTOR, FIU‐IND, NEW DELHI, as per the

RBI guidelines of AML.

The Western Union guidelines on suspicious transactions may be taken as indicator of suspicious

transactions. Please note that there are no hard and fast rules that could indicate suspicious transactions

in all situations and in all conditions. Use your judgement as to what a prudent man would do in a given

situation and take the advice of your senior I superior officer, in case of doubt. Above all DO nothing which

would alert the person I customer who is in front of you, that you are suspicious of him I her transaction or

that you are going to report it.

Attached please find a format of Enhanced Due Diligence (EDD) which must be filled up by the Sub‐agents

and faxed to Branch, countersigned by Branch and faxed to Head Office followed by the hard copy with

copies of documents. In case of any difficulty, you can always contact the Compliance Officer at Head

Office.

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LEGAL LIABILITY

These precautions are necessary in view of the fact that in terms of section 10 (5) of FEMA 1999, "Any

authorized person shall, before undertaking any transaction in foreign exchange on behalf of any person,

require that person to make such declaration and to give such information as will reasonably satisfy him

that the transaction will not involve, and is not designed for the purpose of any contravention or evasion of

the provisions of this Act or of any rule, regulation, notification, direction, or order made there under, and

where the said person refuses to comply with any such requirement or makes only unsatisfactory

compliance therewith, the authorized person shall refuse in writing to undertake the transaction and shall,

if he has reason to believe that any such contravention or evasion as aforesaid is contemplated by the

person, report the matter to the Reserve Bank." This puts on us not only the burden of ensuring that the

FEX transaction is legitimate, but those consequences of our failure may result in penalties under the FEMA

1999 as well as cancellation of the FEX license. Penalties can be 3 times the sum involved, if such amount is

quantifiable; penalty of up to 2 lakhs, if amount is not quantifiable; penalty of up to Rs.5,000/‐ per day from

the first day of contravention onwards if it is a continuing contravention. In addition RBI can also impose

fine of Rs.10,000/‐ and a daily fine of up to Rs.2,000/‐

According to the Prevention of Money Laundering Act, 2002, whosoever directly or indirectly attempts to

indulge or knowingly assists or knowingly is a party or is actually involved in any process or activity

connected with the proceeds of crime and projecting it as untainted property shall be guilty of the

offence of money laundering”. The punishment for the same is rigorous imprisonment for not less than 3

years, which may extend to 10 years and fine which may extend to Rs.5.00 lakhs.

If there is any doubt or suspicion about the bonafide of a transaction inform your supervisor / compliance

official for further guidance.

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ANTI MONEY LAUNDERING COMPLIANCE

The term money laundering simply means the washing of dirty money to make it appear clean. In the

Economic sense, the proceeds of crime (Mainly serious crimes like narcotics, terrorism, murder, extortion,

etc.) are dirty or tainted and these funds can therefore be attached, seized and confiscated primarily in the

hands of the person and his associates committing the crime. These persons therefore try to disguise the

source of these criminally tainted funds and try to move the funds from out of their hands with the

intention of enjoying the proceeds at a later date as though the funds had come from a legitimate source.

Basically money laundering is a process to disguise the source of funds, provide a safe haven for these

funds, and provide a financial return on these funds, by using legitimate business activity, which finally

results in the disappearance of any original traces of these funds. This process takes place generally in

three stages i.e. placement, layering and integration, which may happen consecutively or concurrently.

There are no hard and fast rules and it is left to the imagination of the money launderer how to do these

transactions, coupled with his risk perception in carrying out these transactions.

Placement ‐ First introduction of money is usually in the form of cash into the financial system in small

amounts that are below the ceiling placed by law whereby identification of the person and other details like

income tax PAN numbers, etc. are avoided being furnished. For example a person may open several bank

accounts and deposit small amounts, which individually may escape reporting, as each amount is lower

than the ceiling, which could then be transferred into another account so that a draft or cheque (a banking

instrument) could be obtained without arousing any suspicion.

Layering ‐ The use of complex layers of monetary instruments, electronic fund transfers, etc. to disguise the

transactions and put off the audit trail. Transactions pertaining to layering are normally done not for

economic benefit, but to build up layers of cover, which will confuse any person who is trying to trace out

the flow of funds.

Integration ‐ The laundered money is so well mingled with genuine business activity that there is an air of

legitimacy around these funds and any link to its origins is very difficult or impossible to trace.

To prevent the proceeds of tainted funds moving out of the hands of persons committing the crime and

therefore giving them a chance to enjoy the proceeds, that the authorities have enacted the Anti Money

Laundering laws, to include seizure and confiscation of the tainted proceeds even in the hands of those

persons not directly involved in the primary offence, but who assist in transformation of these proceeds to

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apparent legitimacy and therefore to make these officials and entities also liable. To this effect what is

expected from us is KYC, i.e. Know Your Customer. If you know your customer ‐ the individual and the

institution thoroughly it will be the best way to protect ourselves from being dragged into Money

Laundering activities.

You as our Sub‐Agent have to ensure compliance with the MTSS Regulations and Anti Money Laundering

/ Know Your Customer (KYC) guidelines issued by the RBI.

The Anti Money Laundering Procedures and our own Compliance Procedures require us to put into practice

a system of Identification Verification, Retention of documentary of evidence pertaining to the customer

and the transaction as well as reporting of Suspicious Transactions/Customers vide the (EDD)

In respect of the Identification system, the documents required have been specified in the documentation

guidelines and for purposes of conforming to these compliance guidelines, in the case of individuals/one

transaction it is enough if we follow the procedures laid down in the guidelines.

We have to know our customer and know our business. That is we should have all details required by law

including documentation, which will enable us to be reasonably satisfied that we are dealing with a

genuine customer and doing a genuine transaction. We should also know the market trends, instances

that are unusual and not in keeping with our business or market conditions, which should immediately alert

us about the possibility of fraud or illegality.

While there cannot be detailed guidelines covering each and every eventuality that may come up in the

course of our day to day business, a few mentioned in the Suspicious Transaction Indicators can form the

basis of our endeavor to follow the law and help us to prevent illegal/ unauthorised transactions and to

report the same to the appropriate authority via the compliance official.

In India, the Prevention of Money Laundering Act, 2002 came into effect only on 01.07.2005. Under this

Act, Notification GSR 444 (E) dated 01.07.2005 requires a banking Company, Financial Institution or

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intermediary to maintain a record of : ‐

A) All Cash Transactions of the value of more than Rupees 10 lakhs or its equivalent in Foreign Currency.

B) All Cash Transactions integrally connected to each other which have been valued below Rupees 10

lakhs or its equivalent in Foreign Currency where such series of transactions have taken place within

a month.

C) All Cash transaction where forged or counterfeit currency notes or bank notes have been used as

genuine and where any forging of a valuable security has taken place.

D) All suspicious transactions whether or not made in cash.

The record should contain the following information, maintained in hard and soft copies and maintained

for a period of 10 years from the date of cessation of the transactions.

a) The nature of the transaction.

b) The amount of the transaction and the currency in which it was denominated.

c) The date on which the transaction was conducted and

d) The parties to the transaction.

The information is to be furnished by the Principal Officer (of WSFL) to the Director, FIU ‐ IND, Financial

Intelligence Unit – India, whose address at the time of preparation of the Manual is – 6th Floor, Hotel

Samrat, Chanakyapuri, New Delhi 100021.

1. Every Month, by the 7th of the succeeding month – All cash transactions exceeding Rs. 10.00 lakhs

(or its equivalent in Forex), and all series of integrally connected cash transactions valued below Rs.

10 lakhs (or its equivalent in Forex) where such series have taken place within a month. [serial A + B]

2. Not later than 3 working days from the date of occurrence where cash transaction involving forged or

counterfeit currency notes or bank notes and forging of a valuable security have taken place and all

Suspicious Transactions whether or not made in cash. [serial C + D]

Hence, the need for identifying such transactions and quick steps as required under the law is of great

importance.

SUSPICIOUS TRANSACTION INDICATORS

Below are some indicators of suspicious behavior

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- The receiver has received money from a seemingly unrelated sender.

- A person received multiple transactions from different persons from the same or different

countries and the sender and receiver are seemingly unrelated.

- A customer receives any amount from an entity other than an individual. Such transactions should

be refused immediately.

- The ID provided by the customer is not valid.

- The customer is a foreigner his/her passport does not contain a valid Visa. In case of foreigners do

not accept any ID apart from the passport with a valid Visa.

- A customer receives two simultaneous transactions of less than INR 50,000/‐ from the same or

seemingly related senders and insists on cash payments only. In this the case the agent should pay

the amount by Cheque only. Please do not encourage or advise the customer to split transactions.

- A customer wants to discuss record keeping and reporting duties of agent with the apparent

intention of avoiding them.

- Another person is controlling the customer, particularly when the customer is unaware of details of

the transaction or where the person is elderly and is accompanied by non relative.

- A student or unemployed person receives large sums of money.

WHAT TO DO IF YOU NOTICE SUSPICIOUS BEHAVIOUR

- Remain alert but courteous and enquire about details of transaction from the customer. E.g.

relationship between the sander and receiver, the purpose of money transfer.

- Using some pretext take the phone number of the customer and verify it discretely.

- Customer service is important, but if you are not comfortable do not process the transaction and

escalate to the compliance officer of your organization.

- The Compliance Officer of the agent should speak to the customer and if he/she is still not

comfortable the matter should be escalated to the WU compliance officer for advise.

WESTERN UNION POLICY TO REFUSE A TRANSACTION

13

- If you are still not comfortable with the transaction even after you attempt to help the customer by

obtaining more information on the transaction.

- When the customer is reluctant to produce an ID or the ID is not valid or appears to be tampered.

- If you are suspicious that the transaction may be related with either money laundering terrorist

financing or other illegal activities or is structured to avoid any record keeping or reporting

requirements.

REPORTING

Please report Suspicious Transactions to the Branch Manager who will escalate it to the MLRO of WSFL for

his action. Remember to do this immediately as these will have to be reported to the Director, Financial

Intelligence Unit (under the provisions of Prevention of Money Laundering Act, 2002) within three days of

the same being noticed.

WHAT SHOULD THE SUSPICIOUS ACTIVITY REPORT CONTAIN

- Statement setting the grounds why the transaction appears suspicious. (EDD)

- Full name, address and phone number of the customer.

- Copy of the photo ID.

14

Consequences of Non – compliance of MTSS Guidelines by the Sub‐agent

Please note that sub‐agents who do not follow the aforesaid guidelines issued by RBI on the Money

Transfer Scheme as well as the Anti Money Laundering/ Know Your Customer/ Combating Financial

Terrorism guidelines will, apart from being legally liable for any breaches, have their sub‐agency

suspended / terminated.

Level 1: Issue of show cause notice

In case it comes to WSFLs notice that the sub‐agent has violated the guidelines stated above then a show

cause notice will be sent to the sub‐agent. The sub‐agent will have to satisfactorily reply to the letter within

15 days after receipt of such letter.

Level 2: Issuing suspension letter

There will be suspension of the sub‐agent in the below 2 cases

a) If the reply to the show cause is not satisfactory

b) Repeat violation for MTSS guidelines issued by WSFL.

In case WSFL is not satisfied with the reply given by sub‐agent on the show cause notice, WSFL can suspend

the account of the sub‐agent and investigate the matter. Account will remain in suspended mode till the

time investigation is not complete. Or

If the sub‐agent is found guilty of violating same or other guidelines for the second time the sub‐agent code

will be blocked and the sub‐agency will be debarred from doing any Western Union transactions for Wall

Street Finance Ltd. The account of the sub‐agent will be suspended till the time the investigation is being

carried out by Principal Agent.

Level 3: Termination of Sub‐agent

Subsequent to the suspension letter, after investigation if it is found that the sub agent has grossly violated

the said norms and guidelines a termination letter will be issued to the sub‐agent.

15

Enhanced Customer Due Diligence

Following format has to be filled in with the information mentioned therein in case of customers of MTSS/ WU business for whom Enhanced Customer Due Diligence (EDD) is required.

Sr No

Type of Information

Description

1. Name & Address of the Individual Customer

2. Details of transactions

3. Specific purpose of transaction.

4. Sources of funds used for doing the transaction.

5. Purpose of visit of the Individual customer in case of NRIs and Foreign Nationals.

6. Is the transaction in line with the profile of the customer

7. Any other information about the customer or Transaction

8. Do you think the transactions are suspicious

9. Reason for point 8

Branch Name: Signature of the Branch Official/ Area sales manager: Name of the Area sales Manager:

Branch Name: Signature of the Branch Manager/ Regional sales Manager: Name of the Branch Manager/ Regional Sales Manager:

Annexure 4

Sl.No Branch_CodBranch_Name REGION1 7301 RELIEF ROAD AHMEDABAD2 7302 AMBAWADI AHMEDABAD3 7304 MANINAGAR AHMEDABAD4 7305 MANEK CHOWK AHMEDABAD5 7306 NAVRANGPURA AHMEDABAD6 7311 NAVASARI AHMEDABAD7 7315 ASHRAM ROAD AHMEDABAD8 7316 MACHHAD AHMEDABAD9 7317 KACHHIAWADI AHMEDABAD10 7321 SARASPUR AHMEDABAD11 7323 ANAND AHMEDABAD12 7324 GURUKUL AHMEDABAD13 7326 BODAKDEV AHMEDABAD14 7328 I F B,AHMEDABAD AHMEDABAD15 7329 SATELLITE AREA AHMEDABAD16 7335 A R M B,AHMEDABAD AHMEDABAD17 7336 SOLA CROSS ROAD AHMEDABAD18 7337 CHANDKHEDA AHMEDABAD19 7339 KRISHNA NAGAR,AHMEDABAD AHMEDABAD20 7346 SCIENCE CITY AHMEDABAD21 7348 GHUMA AHMEDABAD22 7349 VASTRAL AHMEDABAD23 7351 GOTA‐SAYANA CITY AHMEDABAD24 7352 PALADI,AHMEDABAD AHMEDABAD25 7357 CORP.BKG BRANCH,AHMEDABAD AHMEDABAD26 7367 HARINIROAD,VODADARA AHMEDABAD27 1038 BRIGADE ROAD BANGALORE(N)28 1065 GANGANAGAR BANGALORE(N)29 1066 SANJAYNAGAR BANGALORE(N)30 1097 COX TOWN BANGALORE(N)31 1286 PALACE ORCHARDS BANGALORE(N)32 1331 TRINITY CIRCLE BANGALORE(N)33 1356 TURUVEKERE BANGALORE(N)34 1380 YELAHANKA BANGALORE(N)35 1389 KOTHANUR BANGALORE(N)36 1400 H B R LAYOUT BANGALORE(N)37 1414 VIDYARANYAPURA BANGALORE(N)38 1416 R T NAGAR, BANGALORE BANGALORE(N)39 7108 SAHARANPUR CHANDIGARH40 7501 AMRITSAR CHANDIGARH41 7502 JALANDHAR CHANDIGARH42 7503 LUDHIANA CHANDIGARH43 7505 BILGA CHANDIGARH44 7506 KAPURTHALA CHANDIGARH45 7507 PHAGWARA CHANDIGARH46 7508 HOSHIARPUR CHANDIGARH47 7512 B R S NAGAR CHANDIGARH

48 7513 BATALA CHANDIGARH49 7515 M S M E,JALANDHAR CHANDIGARH50 7516 KHARAR,PUNJAB CHANDIGARH51 7517 ZIRAKPUR,PUNJAB CHANDIGARH52 7518 GARHSHANKAR CHANDIGARH53 7520 BANGA,PUNJAB CHANDIGARH54 7521 M S M E,LUDHIANA CHANDIGARH55 7522 MAHILPUR,PUNJAB CHANDIGARH56 7524 MOHALI‐SAS NAGAR CHANDIGARH57 7526 PATHANKOT CHANDIGARH58 7581 GURU NANAK DEV UNIVERSITY CHANDIGARH59 8302 ROHTAK CHANDIGARH60 8304 PANCHKULA CHANDIGARH61 8309 YAMUNANAGAR CHANDIGARH62 8310 KAITHAL CHANDIGARH63 8311 AMBALA CANTT CHANDIGARH64 8314 KARNAL,HARYANA CHANDIGARH65 8316 FATEHBAD CHANDIGARH66 8319 SIRSA CHANDIGARH67 8323 MANDI DABWALI CHANDIGARH68 3001 ADYAR CHENNAI69 3002 MOORE STREET CHENNAI70 3005 EGMORE CHENNAI71 3008 MOUNT ROAD CHENNAI72 3012 SAIDAPET CHENNAI73 3015 TRIPLICANE CHENNAI74 3017 T NAGAR CHENNAI75 3018 AVADI CHENNAI76 3020 PURUSAWALKAM CHENNAI77 3021 TONDIARPET CHENNAI78 3024 VADAPALANI CHENNAI79 3026 M S M E ‐MYLAPORE CHENNAI80 3034 RANGARAJPURAM CHENNAI81 3035 VENKATNARAYANA ROAD CHENNAI82 3039 KOLATHUR,CHENNAI CHENNAI83 3044 ANNANAGAR,CHENNAI CHENNAI84 3046 MEENAMBAKKAM CHENNAI85 3048 ASHOKNAGAR,CHENNAI CHENNAI86 3049 ABHIRAMAPURAM,CHENNAI CHENNAI87 3050 MOGAPPAIR,CHENNAI CHENNAI88 3051 TAMBARAM,CHENNAI CHENNAI89 3060 M S M E,AMBATTUR ‐ CHENNAI CHENNAI90 3064 VIRUGAMBAKKAM‐CHENNAI CHENNAI91 3071 ADAMBAKKAM CHENNAI92 3073 INDIRANAGAR CHENNAI CHENNAI93 3074 KUNDRATHUR CHENNAI94 3802 VEL‐TECH ENGINEERING COLLEGE, CHENNAI95 3803 TIRUCHIRAPALLI AIRPORT CHENNAI96 6024 PONDICHERRY CHENNAI97 6809 PONDICHERY‐RAGACOVAS CHENNAI

98 3007 MADURAI COIMBATORE99 3014 TIRUCHIRAPALLI COIMBATORE100 3016 TUTICORIN COIMBATORE101 3023 P N PATTI COIMBATORE102 3027 DINDIGAL COIMBATORE103 3028 THANJAVUR COIMBATORE104 3029 TIRUNELVELLI COIMBATORE105 3032 NAGARCOIL COIMBATORE106 3045 KARAIKUDI COIMBATORE107 3047 ANNANAGAR,MADURAI COIMBATORE108 3052 KARUR COIMBATORE109 3054 M S M E,THIRUCHENGODE COIMBATORE110 3056 PUDUKOTTAI COIMBATORE111 3057 KOTHAMANGALAM COIMBATORE112 3058 MARTHANDUM COIMBATORE113 3061 THIRUVARUR ‐TAMILNADU COIMBATORE114 3066 KUMBAKONAM COIMBATORE115 3067 DEVAKOTTAI‐TAMIL NADU COIMBATORE116 6002 CHANDNI CHOWK DELHI117 6004 BARAKHAMBA ROAD DELHI118 6008 KAROLBAGH DELHI119 6009 KHUREJIKHAS DELHI120 6013 KRISHNA PARK DELHI121 6031 GREATER KAILASH DELHI122 6033 RAJA GARDEN DELHI123 6035 NEHRU PLACE DELHI124 6041 VIKAS MARG DELHI125 6042 MALVIYANAGAR DELHI126 6047 PUNJABI BAGH‐NEW DELHI DELHI127 6049 DWARAKA DELHI128 7001 AJMER DELHI129 7002 JAIPUR DELHI130 7015 ALWAR GATE DELHI131 7019 JHUNJHUNU DELHI132 7113 GHAZIABAD DELHI133 7126 NOIDA COMPLEX DELHI134 7140 GREATER NOIDA DELHI135 7145 INDIRAPURAM,GHAZIABAD DELHI136 7147 HAPUR DELHI137 7178 NOIDA‐SECTOR 63 DELHI138 8305 M S M E‐BALLABGARH DELHI139 4003 BANK STREET HYDERABAD140 4007 CUDDAPAH HYDERABAD141 4008 WEST MARREDPALLI HYDERABAD142 4012 HARDIKARBAGH HYDERABAD143 4016 NALLAKUNTA HYDERABAD144 4018 NIZAMABAD HYDERABAD145 4020 SAROJINI DEVI ROAD HYDERABAD146 4021 SOMAJIGUDA HYDERABAD147 4025 VIJAYANAGAR COLONY HYDERABAD

148 4031 CHANDANAGAR HYDERABAD149 4034 SAHEBNAGAR HYDERABAD150 4037 MUKRAMJAHI ROAD HYDERABAD151 4042 KAMAREDDY HYDERABAD152 4043 MALAKPET HYDERABAD153 4046 NARAYANGUDA HYDERABAD154 4047 PEDDAMUL HYDERABAD155 4048 P G ROAD HYDERABAD156 4051 VEMULAWADA HYDERABAD157 4053 SIRIKONDA HYDERABAD158 4056 DUPALLI HYDERABAD159 4058 CHARMINAR HYDERABAD160 4062 MITTAPALLI HYDERABAD161 4068 BASHEERBAGH HYDERABAD162 4075 KARIMNAGAR HYDERABAD163 4077 MOTINAGAR,HYDERABAD HYDERABAD164 4079 AMEERPET HYDERABAD165 4083 KUKATPALLY HYDERABAD166 4084 JUBILEE HILLS HYDERABAD167 4085 GANDHINAGAR,HYDERABAD HYDERABAD168 4086 BANJARA HILLS,HYDERABAD HYDERABAD169 4090 PRODDATUR, ANDHRA PRADESH HYDERABAD170 4091 ECIL CROSS ROAD‐SECUNDERABAD HYDERABAD171 4092 MEHDIPATNAM,HYDERABAD HYDERABAD172 4094 SHAMSHABAD HYDERABAD173 4095 HABSIGUDA HYDERABAD174 4096 DILSUKHNAGAR HYDERABAD175 4097 MADHAPUR HYDERABAD176 4099 M S M E ‐ADILABAD HYDERABAD177 4100 THUMKUNTA HYDERABAD178 4103 NUSTULAPUR HYDERABAD179 4105 BUNDLEGUDA HYDERABAD180 4106 CORP.BKG BRANCH,HYDERABAD HYDERABAD181 4109 KARMANGHAT HYDERABAD182 2001 ALAPUZHA KOCHI183 2008 KOCHI MAIN KOCHI184 2018 KOTTAYAM KOCHI185 2022 M G ROAD KOCHI186 2027 MUVATTUPUZHA KOCHI187 2032 KOLLAM KOCHI188 2038 TRISHUR KOCHI189 2040 TRIPUNITHURA KOCHI190 2041 THIRUVANANTHAPURAM MAIN KOCHI191 2051 KESAVDASAPURAM KOCHI192 2058 TIRUVALLA KOCHI193 2067 CHAVAKKAD KOCHI194 2068 KOZHENCHERRY KOCHI195 2071 VELLAYAMBALAM KOCHI196 2074 KAZHAKKOOTTAM KOCHI197 2075 PEROORKADA KOCHI

198 2080 PATHANAMTHITTA KOCHI199 2081 KARUNGAPALLY KOCHI200 2082 NRI BRANCH,KOCHI KOCHI201 2802 CHRIST NAGAR SCHOOL KOCHI202 7204 DARJEELING KOLKATA203 7205 RABINDRA SARANI KOLKATA204 7208 PARK STREET KOLKATA205 7211 DHARAMTOLLA KOLKATA206 7213 BRABOURNE ROAD KOLKATA207 7221 GORA BAZAR KOLKATA208 7222 RASHBEHARI AVENUE KOLKATA209 7224 SEALDAH KOLKATA210 7225 CHITTARANJAN AVENUE KOLKATA211 7227 NEW MARKET, KOLKATTA KOLKATA212 7229 GARIA,KOLKATA KOLKATA213 7231 DURGAPUR KOLKATA214 7237 JADAVPUR,KOLKATA KOLKATA215 7239 KOLKATA‐BATANAGAR KOLKATA216 7240 MADHYAMGRAM KOLKATA217 7402 BERHAMPUR KOLKATA218 7407 PURI KOLKATA219 8401 DARBHANGA KOLKATA220 8402 M S M E ‐DHANBAD KOLKATA221 8404 RANCHI, KOLKATA222 8405 JAMSHEDPUR, KOLKATA223 8406 MUZAFFARPUR KOLKATA224 8413 HAJIPUR KOLKATA225 2003 KANNUR KOZHIKODE226 2004 CHALAPURAM KOZHIKODE227 2005 CHATTANCHAL KOZHIKODE228 2006 CHERUTTY ROAD KOZHIKODE229 2012 KALLAI KOZHIKODE230 2013 KALPETTA KOZHIKODE231 2014 KANHANGAD KOZHIKODE232 2015 KASARGOD KOZHIKODE233 2017 KOTTAKKAL KOZHIKODE234 2023 MALAPPURAM KOZHIKODE235 2024 MANJERI KOZHIKODE236 2028 PALAKKAD KOZHIKODE237 2029 PAYYANUR KOZHIKODE238 2031 PONNANI KOZHIKODE239 2037 TIRUR KOZHIKODE240 2044 MULINJE KOZHIKODE241 2059 BADAGARA KOZHIKODE242 6501 MALIHABAD LUCKNOW243 6504 GOSAIGANJ LUCKNOW244 6505 JAUNPUR LUCKNOW245 7102 V N MARG LUCKNOW246 7103 BAREILLY LUCKNOW247 7105 KANPUR MAIN LUCKNOW

248 7106 HAZRATGANZ LUCKNOW249 7107 MEERUT LUCKNOW250 7109 VARANASI LUCKNOW251 7110 M S M E‐MUZAFFARNAGAR LUCKNOW252 7111 AGRA‐CANTT LUCKNOW253 7114 M S M E‐GORAKHPUR LUCKNOW254 7115 MORADABAD LUCKNOW255 7117 FIROZABAD LUCKNOW256 7118 DALIGANJ LUCKNOW257 7119 PHULPUR LUCKNOW258 7120 ALIGARH LUCKNOW259 7121 CANTONMENT LUCKNOW260 7123 R S M NAGAR LUCKNOW261 7127 B N ROAD LUCKNOW262 7128 JHANSI LUCKNOW263 7134 GOMTINAGAR LUCKNOW264 7135 PATEL NAGAR LUCKNOW265 7139 NEHRU NAGAR LUCKNOW266 7141 I E T MOHIBULLAPUR LUCKNOW267 7143 UNNAO LUCKNOW268 7146 CIVIL LINES,ALLAHBAD LUCKNOW269 7152 FAIZABAD LUCKNOW270 7157 ALIGANJ LUCKNOW271 7158 ASHIYANA LUCKNOW272 7159 JANAKIPURAM LUCKNOW273 7160 BARABANKI LUCKNOW274 7161 GOKHALE MARG LUCKNOW275 7162 BALAGANJ CHOWK LUCKNOW276 7163 SULTANPUR LUCKNOW277 7164 FATEHPUR LUCKNOW278 7166 VIKAS NAGAR LUCKNOW279 7169 PILIBHIT LUCKNOW280 7171 RAJAJIPURAM LUCKNOW281 7174 ROZA LUCKNOW282 7175 KHURJA LUCKNOW283 7177 JAGDISHPUR LUCKNOW284 7183 THEOSOPHICAL SOCIETY,KAMACHA LUCKNOW285 7190 GVTC,BAREILLY LUCKNOW286 7192 DAYALBAGH LUCKNOW287 7193 BASTI LUCKNOW288 7195 MUGHULSARAI LUCKNOW289 7197 DEORIA LUCKNOW290 7198 HANDIA LUCKNOW291 1003 ALPE PADIL MANGALORE292 1009 ASHOKNAGAR MANGALORE293 1012 B C ROAD MANGALORE294 1029 BELTHANGADI MANGALORE295 1030 BENDOOR MANGALORE296 1036 BONDEL MANGALORE297 1047 CITY MANGALORE MANGALORE

298 1053 DARBE PUTTUR MANGALORE299 1062 FALNIR MANGALORE300 1098 JEPPU MANGALORE301 1102 KAIKAMBA MANGALORE302 1112 MULKI MANGALORE303 1120 KINNIGOLI MANGALORE304 1132 FOUNDER'S BR MANGALORE305 1149 MOODABIDRI MANGALORE306 1177 PUTTUR MAIN MANGALORE307 1205 TALAPADY MANGALORE308 1213 UJIRE MANGALORE309 1215 ULLAL MANGALORE310 1222 VITLA MANGALORE311 1281 ALAKE MANGALORE312 1291 KUKKUJADKA MANGALORE313 1300 BIJAI MANGALORE314 1378 SULLIA MANGALORE315 1420 KANKANADY,MANGALORE MANGALORE316 1436 BAJPE MANGALORE317 1459 UPPINNGADY MANGALORE318 5002 BANDRA(W) MUMBAI319 5003 CHEMBUR MUMBAI320 5011 MAHIM MUMBAI321 5012 MANDVI MUMBAI322 5023 DOMBIVILI(E) MUMBAI323 5027 ULHASNAGAR MUMBAI324 5035 ANDHERI(W) MUMBAI325 5042 CHUNABHATTI MUMBAI326 5044 VASHI MUMBAI327 5047 BORIVALI(W) MUMBAI328 5049 PALGHAR MUMBAI329 5053 NEW PANVEL MUMBAI330 5058 BHIWANDI MUMBAI331 5062 NERUL MUMBAI332 5064 GHATKOPAR MUMBAI333 5069 DAHISAR‐E MUMBAI334 5070 KANDIVILI‐W MUMBAI335 5071 VERSOVA, MUMBAI MUMBAI336 5072 DR.AMBEDKAR RD,BANDRA‐W MUMBAI337 5075 MALAD‐W,MUMBAI MUMBAI338 5076 JUHU,MUMBAI MUMBAI339 5077 POWAI, MUMBAI MUMBAI340 5078 MULUND‐WEST,MUMBAI MUMBAI341 5079 THAKUR VIILAGE‐KANDIVILI‐E MUMBAI342 5080 VASAI‐WEST MUMBAI343 5081 THANE‐WEST‐GHODBUNDER ROAD MUMBAI344 5084 SAKINAKA,ANDHERI‐EAST MUMBAI345 5092 KHARGAR MUMBAI346 5093 KALYAN MUMBAI347 5094 KALWA MUMBAI

348 5095 MIRA ROAD‐EAST MUMBAI349 5096 NALASOPARA‐WEST MUMBAI350 5100 BORIVALI‐EAST MUMBAI351 5102 DOMBIVLI‐W MUMBAI352 5105 KALINA,MUMBAI MUMBAI353 5106 SPL.MF BRANCH,SANTACRUZ‐E MUMBAI354 9513 OVERSEAS‐II,SANTACRUZ‐W MUMBAI355 6010 PANAJI,GOA PUNE356 6014 MADGAON,GOA PUNE357 6023 MAPUCA,GOA PUNE358 6025 VASCO,GOA PUNE359 6026 PONDA,GOA PUNE360 6055 SANTACRUZ‐GOA PUNE361 6056 PIRVORIM,GOA PUNE362 1033 BHATKAL UDUPI363 1037 BRAHMAVAR UDUPI364 1041 BYNDOOR UDUPI365 1048 KUNDAPUR UDUPI366 1080 HEBRI UDUPI367 1111 KARKALA UDUPI368 1116 KAUP UDUPI369 1130 KUMTA UDUPI370 1167 PADUBIDRI UDUPI371 1195 SHIRALI UDUPI372 1197 SHIRVA UDUPI373 1210 UCHILA UDUPI374 1211 UDUPI MAIN UDUPI375 1212 UDUPI PUTTUR UDUPI376 1243 THALLUR UDUPI377 1257 DONDERANGADI UDUPI378 1266 KARWAR UDUPI379 1336 ANKOLA UDUPI380 1408 KUMBHASHI UDUPI381 1445 HONNAVAR ‐ KARNATAKA UDUPI382 1471 MURUDESHWAR(MAVALLI) UDUPI383 4004 BHIMAVARAM VIJAYAWADA384 4005 BUTTAIGUDEM VIJAYAWADA385 4009 ELURU VIJAYAWADA386 4010 GOPALAPURAM VIJAYAWADA387 4013 KAKINADA VIJAYAWADA388 4015 KOVVUR VIJAYAWADA389 4023 TIRUPATHI VIJAYAWADA390 4030 TANUKU VIJAYAWADA391 4035 RAJAMUNDRY VIJAYAWADA392 4036 KOLAMURU VIJAYAWADA393 4038 ALAMURU VIJAYAWADA394 4039 MORI VIJAYAWADA395 4040 MURAMULLA VIJAYAWADA396 4041 KARAPA VIJAYAWADA397 4044 NARSAPUR VIJAYAWADA

398 4045 RAMCHANDRAPURAM VIJAYAWADA399 4057 KOTHAPALLI VIJAYAWADA400 4071 I POLAVARAM VIJAYAWADA