Netherlands

The following tables show how much it costs to remit money from Netherlands to

- Dominican Republic
- Ghana
- Indonesia
- Morocco
- Netherlands Antilles
- Nigeria
- Suriname
- Turkey

Note: Corridor averages are unweighted and do not reflect the market shares of the different firms that compose the average. For comparability purposes, the two initial USD reference amounts of $200 and $500 were kept. In the third quarter of 2009, the amounts in local currency were adjusted in order to reflect foreign exchange fluctuations.

How much does it cost to remit?

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Remitting from Netherlands to Dominican Republic

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	2.13	3.77	5.28	Less than one hour	Nationwide	Aug 12, 2009
ABN AMRO Bank	Bank	5.50	1.42	5.35	7.49	6 days or more	Nationwide	Aug 12, 2009
iKobo	MTO	7.72	0.02	5.54	7.76	Less than one hour	Nationwide	Aug 12, 2009
Rabobank	Bank	6.00	1.42	5.70	7.98	6 days or more	Nationwide	Aug 12, 2009
MoneyGram	MTO	7.99	2.72	8.43	11.80	Less than one hour	Nationwide	Aug 12, 2009
Western Union	MTO	9.50	4.44	11.23	15.72	Less than one hour	Nationwide	Aug 12, 2009
Fortis Bank	Bank	26.80	4.96	24.11	33.75	6 days or more	Nationwide	Aug 12, 2009
Bank Average		12.77	2.60	11.72	16.41
MTO Average		6.88	2.33	7.24	10.14
Total Average		9.40	2.45	9.16	12.82
Total Average in First Quarter 2009		11.83	8.38	17.14	24.00

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	2.13	2.78	9.73	Less than one hour	Nationwide	Aug 12, 2009
ABN AMRO Bank	Bank	5.50	1.42	2.99	10.46	6 days or more	Nationwide	Aug 12, 2009
Rabobank	Bank	6.00	1.42	3.13	10.96	6 days or more	Nationwide	Aug 12, 2009
iKobo	MTO	14.02	0.02	4.03	14.10	Less than one hour	Nationwide	Aug 12, 2009
MoneyGram	MTO	14.99	2.72	7.00	24.50	Less than one hour	Nationwide	Aug 12, 2009
Western Union	MTO	19.00	4.44	9.87	34.54	Less than one hour	Nationwide	Aug 12, 2009
Fortis Bank	Bank	26.80	4.96	12.62	44.17	6 days or more	Nationwide	Aug 12, 2009
Bank Average		12.77	2.60	6.25	21.88
MTO Average		12.58	2.33	5.92	20.72
Total Average		12.66	2.45	6.06	21.21
Total Average in First Quarter 2009		17.33	8.38	13.63	47.70

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	2.13	3.77	7.54	Less than one hour	Nationwide	Aug 12, 2009
ABN AMRO Bank	Bank	7.86	1.42	5.35	10.70	6 days or more	Nationwide	Aug 12, 2009
iKobo	MTO	11.03	0.02	5.54	11.08	Less than one hour	Nationwide	Aug 12, 2009
Rabobank	Bank	8.57	1.42	5.70	11.40	6 days or more	Nationwide	Aug 12, 2009
MoneyGram	MTO	11.41	2.72	8.43	16.86	Less than one hour	Nationwide	Aug 12, 2009
Western Union	MTO	13.57	4.44	11.23	22.46	Less than one hour	Nationwide	Aug 12, 2009
Fortis Bank	Bank	38.29	4.96	24.11	48.22	6 days or more	Nationwide	Aug 12, 2009
Bank Average		18.24	2.60	11.72	23.44
MTO Average		9.82	2.33	7.24	14.48
Total Average		13.43	2.45	9.16	18.32
Total Average in First Quarter 2009		17.53	8.38	17.14	34.28

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	2.13	2.78	13.90	Less than one hour	Nationwide	Aug 12, 2009
ABN AMRO Bank	Bank	7.86	1.42	2.99	14.95	6 days or more	Nationwide	Aug 12, 2009
Rabobank	Bank	8.57	1.42	3.13	15.65	6 days or more	Nationwide	Aug 12, 2009
iKobo	MTO	20.03	0.02	4.03	20.15	Less than one hour	Nationwide	Aug 12, 2009
MoneyGram	MTO	21.41	2.72	7.00	35.00	Less than one hour	Nationwide	Aug 12, 2009
Western Union	MTO	27.14	4.44	9.87	49.35	Less than one hour	Nationwide	Aug 12, 2009
Fortis Bank	Bank	38.29	4.96	12.62	63.10	6 days or more	Nationwide	Aug 12, 2009
Bank Average		18.24	2.60	6.25	31.25
MTO Average		17.97	2.33	5.92	29.60
Total Average		18.08	2.45	6.06	30.30
Total Average in First Quarter 2009		26.26	8.38	13.63	68.15

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Western Union	MTO	9.50	3.94	10.98	14.82	Less than one hour	Nationwide	Feb 11, 2009
MoneyGram	MTO	7.99	8.21	14.13	19.08	Less than one hour	Nationwide	Feb 11, 2009
Rabobank	Bank	18.00	12.98	26.31	35.52	6 days or more	Nationwide	Feb 11, 2009
Bank Average		18.00	12.98	26.31	35.52
MTO Average		8.74	6.07	12.55	16.94
Total Average		11.83	8.38	17.14	23.14
Total Average in 2008		14.16	8.16	18.65	25.18

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Western Union	MTO	19.00	3.94	9.70	32.01	Less than one hour	Nationwide	Feb 11, 2009
MoneyGram	MTO	14.99	8.21	12.75	42.08	Less than one hour	Nationwide	Feb 11, 2009
Rabobank	Bank	18.00	12.98	18.43	60.82	6 days or more	Nationwide	Feb 11, 2009
Bank Average		18.00	12.98	18.43	60.82
MTO Average		17.00	6.07	11.22	37.03
Total Average		17.33	8.38	13.63	44.98
Total Average in 2008		19.66	8.16	14.12	46.60

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Western Union	MTO	14.07	3.94	10.98	21.96	Less than one hour	Nationwide	Feb 11, 2009
MoneyGram	MTO	11.84	8.21	14.13	28.26	Less than one hour	Nationwide	Feb 11, 2009
Rabobank	Bank	26.67	12.98	26.31	52.62	6 days or more	Nationwide	Feb 11, 2009
Bank Average		26.67	12.98	26.31	52.62
MTO Average		12.96	6.07	12.55	25.10
Total Average		17.53	8.38	17.14	34.28
Total Average in 2008		20.98	8.16	18.65	37.30

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Western Union	MTO	28.79	3.94	9.70	48.50	Less than one hour	Nationwide	Feb 11, 2009
MoneyGram	MTO	22.71	8.21	12.75	63.75	Less than one hour	Nationwide	Feb 11, 2009
Rabobank	Bank	27.27	12.98	18.43	92.15	6 days or more	Nationwide	Feb 11, 2009
Bank Average		27.27	12.98	18.43	92.15
MTO Average		25.75	6.07	11.22	56.10
Total Average		26.26	8.38	13.63	68.15
Total Average in 2008		29.79	8.16	14.12	70.60

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
MoneyGram	MTO	7.99	3.96	9.88	13.34	Same day	-	May 21, 2008
Western Union	MTO	9.50	6.12	13.15	17.75	Same day	-	May 21, 2008
Rabobank	Bank	25.00	14.40	32.91	44.43	2 days	-	May 21, 2008
Bank Average		25.00	14.40	32.91	44.43
MTO Average		8.74	5.04	11.51	15.54
Total Average		14.16	8.16	18.65	25.18
First Quarter 2009		11.83	8.38	17.14	23.14

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
MoneyGram	MTO	14.99	3.96	8.50	28.05	Same day	-	May 21, 2008
Western Union	MTO	19.00	6.12	11.87	39.17	Same day	-	May 21, 2008
Rabobank	Bank	25.00	14.40	21.97	72.50	2 days	-	May 21, 2008
Bank Average		25.00	14.40	21.97	72.50
MTO Average		17.00	5.04	10.19	33.63
Total Average		19.66	8.16	14.12	46.60
First Quarter 2009		17.33	8.38	13.63	44.98

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	11.84	3.96	9.88	19.76	Same day	-	May 21, 2008
Western Union	MTO	14.07	6.12	13.15	26.30	Same day	-	May 21, 2008
Rabobank	Bank	37.04	14.40	32.91	65.82	2 days	-	May 21, 2008
Bank Average		37.04	14.40	32.91	65.82
MTO Average		12.96	5.04	11.51	23.02
Total Average		20.98	8.16	18.65	37.30
First Quarter 2009		17.53	8.38	17.14	34.28

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	22.71	3.96	8.50	42.50	Same day	-	May 21, 2008
Western Union	MTO	28.79	6.12	11.87	59.35	Same day	-	May 21, 2008
Rabobank	Bank	37.88	14.40	21.97	109.85	2 days	-	May 21, 2008
Bank Average		37.88	14.40	21.97	109.85
MTO Average		25.75	5.04	10.19	50.95
Total Average		29.79	8.16	14.12	70.60
First Quarter 2009		26.26	8.38	13.63	68.15

Remitting from Netherlands to Ghana

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	0.00	1.64	2.30	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	5.50	1.42	5.35	7.49	6 days or more	Nationwide	Aug 13, 2009
Unity Monetary Services BV	MTO	10.00	-0.14	7.00	9.80	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	8.00	3.21	8.93	12.50	2 days	Nationwide	Aug 13, 2009
MoneyGram	MTO	9.99	4.17	11.31	15.83	Less than one hour	Nationwide	Aug 13, 2009
Rabobank	Bank	18.00	0.72	13.58	19.01	6 days or more	Nationwide	Aug 13, 2009
Western Union	MTO	17.00	4.22	16.36	22.90	Less than one hour	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	25.00	0.00	17.86	25.00	6 days or more	Nationwide	Aug 13, 2009
Bank Average		16.17	0.71	12.26	17.16
MTO Average		9.46	2.29	9.05	12.67
Total Average		11.97	1.70	10.25	14.35
Total Average in First Quarter 2009		12.40	7.20	16.38	22.93

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	0.00	0.66	2.31	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	5.50	1.42	2.99	10.46	6 days or more	Nationwide	Aug 13, 2009
Unity Monetary Services BV	MTO	15.00	-0.14	4.14	14.49	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	12.00	3.21	6.64	23.24	2 days	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	25.00	0.00	7.14	24.99	6 days or more	Nationwide	Aug 13, 2009
MoneyGram	MTO	14.99	4.17	8.45	29.57	Less than one hour	Nationwide	Aug 13, 2009
Rabobank	Bank	35.00	0.72	10.72	37.52	6 days or more	Nationwide	Aug 13, 2009
Western Union	MTO	23.50	4.22	10.93	38.26	Less than one hour	Nationwide	Aug 13, 2009
Bank Average		21.83	0.71	6.95	24.32
MTO Average		13.56	2.29	6.17	21.60
Total Average		16.66	1.70	6.46	22.61
Total Average in First Quarter 2009		17.80	7.20	12.59	44.06

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	0.00	1.64	3.28	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	7.86	1.42	5.35	10.70	6 days or more	Nationwide	Aug 13, 2009
Unity Monetary Services BV	MTO	14.29	-0.14	7.00	14.00	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	11.43	3.21	8.93	17.86	2 days	Nationwide	Aug 13, 2009
MoneyGram	MTO	14.27	4.17	11.31	22.62	Less than one hour	Nationwide	Aug 13, 2009
Rabobank	Bank	25.71	0.72	13.58	27.16	6 days or more	Nationwide	Aug 13, 2009
Western Union	MTO	24.29	4.22	16.36	32.72	Less than one hour	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	35.71	0.00	17.86	35.72	6 days or more	Nationwide	Aug 13, 2009
Bank Average		23.10	0.71	12.26	24.52
MTO Average		13.51	2.29	9.05	18.10
Total Average		17.11	1.70	10.25	20.50
Total Average in First Quarter 2009		18.37	7.20	16.38	32.76

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	0.00	0.66	3.30	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	7.86	1.42	2.99	14.95	6 days or more	Nationwide	Aug 13, 2009
Unity Monetary Services BV	MTO	21.43	-0.14	4.14	20.70	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	17.14	3.21	6.64	33.20	2 days	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	35.71	0.00	7.14	35.70	6 days or more	Nationwide	Aug 13, 2009
MoneyGram	MTO	21.41	4.17	8.45	42.25	Less than one hour	Nationwide	Aug 13, 2009
Rabobank	Bank	50.00	0.72	10.72	53.60	6 days or more	Nationwide	Aug 13, 2009
Western Union	MTO	33.57	4.22	10.93	54.65	Less than one hour	Nationwide	Aug 13, 2009
Bank Average		31.19	0.71	6.95	34.75
MTO Average		19.37	2.29	6.17	30.85
Total Average		23.80	1.70	6.46	32.30
Total Average in First Quarter 2009		26.97	7.20	12.59	62.95

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Rabobank	Bank	17.00	0.00	12.59	17.00	6 days or more	N/A	Feb 11, 2009
Unity Monetary Services BV	MTO	10.00	5.71	13.12	17.71	Same day	Nationwide	Feb 11, 2009
MoneyGram	MTO	9.99	9.14	16.54	22.33	Less than one hour	Nationwide	Feb 11, 2009
MoneyTrans	MTO	8.00	13.14	19.07	25.74	2 days	Nationwide	Feb 11, 2009
Western Union	MTO	17.00	8.00	20.59	27.80	Less than one hour	Nationwide	Feb 11, 2009
Bank Average		17.00	0.00	12.59	17.00
MTO Average		11.25	9.00	17.33	23.40
Total Average		12.40	7.20	16.38	22.11
Total Average in 2008		12.00	4.98	13.86	18.71

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Rabobank	Bank	23.50	0.00	7.12	23.50	6 days or more	N/A	Feb 11, 2009
Unity Monetary Services BV	MTO	15.00	5.71	10.26	33.86	Same day	Nationwide	Feb 11, 2009
MoneyGram	MTO	14.99	9.14	13.69	45.18	Less than one hour	Nationwide	Feb 11, 2009
Western Union	MTO	23.50	8.00	15.12	49.90	Less than one hour	Nationwide	Feb 11, 2009
MoneyTrans	MTO	12.00	13.14	16.78	55.37	2 days	Nationwide	Feb 11, 2009
Bank Average		23.50	0.00	7.12	23.50
MTO Average		16.37	9.00	13.96	46.07
Total Average		17.80	7.20	12.59	41.55
Total Average in 2008		17.60	4.98	10.31	34.02

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Rabobank	Bank	25.19	0.00	12.59	25.18	6 days or more	N/A	Feb 11, 2009
Unity Monetary Services BV	MTO	14.81	5.71	13.12	26.24	Same day	Nationwide	Feb 11, 2009
MoneyGram	MTO	14.80	9.14	16.54	33.08	Less than one hour	Nationwide	Feb 11, 2009
MoneyTrans	MTO	11.85	13.14	19.07	38.14	2 days	Nationwide	Feb 11, 2009
Western Union	MTO	25.19	8.00	20.59	41.18	Less than one hour	Nationwide	Feb 11, 2009
Bank Average		25.19	0.00	12.59	25.18
MTO Average		16.66	9.00	17.33	34.66
Total Average		18.37	7.20	16.38	32.76
Total Average in 2008		17.77	4.98	13.86	27.72

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Rabobank	Bank	35.61	0.00	7.12	35.60	6 days or more	N/A	Feb 11, 2009
Unity Monetary Services BV	MTO	22.73	5.71	10.26	51.30	Same day	Nationwide	Feb 11, 2009
MoneyGram	MTO	22.71	9.14	13.69	68.45	Less than one hour	Nationwide	Feb 11, 2009
Western Union	MTO	35.61	8.00	15.12	75.60	Less than one hour	Nationwide	Feb 11, 2009
MoneyTrans	MTO	18.18	13.14	16.78	83.90	2 days	Nationwide	Feb 11, 2009
Bank Average		35.61	0.00	7.12	35.60
MTO Average		24.81	9.00	13.96	69.80
Total Average		26.97	7.20	12.59	62.95
Total Average in 2008		26.66	4.98	10.31	51.55

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
MoneyTrans	MTO	6.00	3.99	8.44	11.39	Next day	-	May 29, 2008
Unity Monetary Services BV	MTO	10.00	2.17	9.57	12.92	Same day	-	May 29, 2008
MoneyGram	MTO	9.99	6.37	13.77	18.59	Same day	-	May 29, 2008
Western Union	MTO	17.00	5.74	18.34	24.76	Same day	-	May 29, 2008
Rabobank	Bank	17.00	6.61	19.21	25.93	2 days	-	May 29, 2008
Bank Average		17.00	6.61	19.21	25.93
MTO Average		10.75	4.57	12.53	16.92
Total Average		12.00	4.98	13.86	18.71
First Quarter 2009		12.40	7.20	16.38	22.11

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
MoneyTrans	MTO	6.00	3.99	5.81	19.17	Next day	-	May 29, 2008
Unity Monetary Services BV	MTO	15.00	2.17	6.71	22.14	Same day	-	May 29, 2008
MoneyGram	MTO	19.99	6.37	12.43	41.02	Same day	-	May 29, 2008
Western Union	MTO	23.50	5.74	12.86	42.44	Same day	-	May 29, 2008
Rabobank	Bank	23.50	6.61	13.73	45.31	2 days	-	May 29, 2008
Bank Average		23.50	6.61	13.73	45.31
MTO Average		16.12	4.57	9.45	31.18
Total Average		17.60	4.98	10.31	34.02
First Quarter 2009		17.80	7.20	12.59	41.55

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyTrans	MTO	8.89	3.99	8.44	16.88	Next day	-	May 29, 2008
Unity Monetary Services BV	MTO	14.81	2.17	9.57	19.14	Same day	-	May 29, 2008
MoneyGram	MTO	14.80	6.37	13.77	27.54	Same day	-	May 29, 2008
Western Union	MTO	25.19	5.74	18.34	36.68	Same day	-	May 29, 2008
Rabobank	Bank	25.19	6.61	19.21	38.42	2 days	-	May 29, 2008
Bank Average		25.19	6.61	19.21	38.42
MTO Average		15.92	4.57	12.53	25.06
Total Average		17.77	4.98	13.86	27.72
First Quarter 2009		18.37	7.20	16.38	32.76

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyTrans	MTO	9.09	3.99	5.81	29.05	Next day	-	May 29, 2008
Unity Monetary Services BV	MTO	22.73	2.17	6.71	33.55	Same day	-	May 29, 2008
MoneyGram	MTO	30.29	6.37	12.43	62.15	Same day	-	May 29, 2008
Western Union	MTO	35.61	5.74	12.86	64.30	Same day	-	May 29, 2008
Rabobank	Bank	35.61	6.61	13.73	68.65	2 days	-	May 29, 2008
Bank Average		35.61	6.61	13.73	68.65
MTO Average		24.43	4.57	9.45	47.25
Total Average		26.66	4.98	10.31	51.55
First Quarter 2009		26.97	7.20	12.59	62.95

Remitting from Netherlands to Indonesia

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	2.13	3.77	5.28	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	5.50	1.42	5.35	7.49	6 days or more	Nationwide	Aug 13, 2009
iKobo	MTO	7.74	0.53	6.06	8.48	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	11.00	2.69	10.55	14.77	Same day	Nationwide	Aug 13, 2009
MoneyGram	MTO	16.00	3.42	14.84	20.78	Less than one hour	Nationwide	Aug 13, 2009
Western Union	MTO	17.00	3.11	15.25	21.35	Less than one hour	Nationwide	Aug 13, 2009
Fortis Bank	Bank	15.00	17.45	28.17	39.44	2 days	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	30.00	7.02	28.45	39.83	6 days or more	Nationwide	Aug 13, 2009
Rabobank	Bank	25.00	14.63	32.49	45.49	6 days or more	Nationwide	Aug 13, 2009
Bank Average		18.88	10.13	23.61	33.05
MTO Average		10.81	2.37	10.09	14.13
Total Average		14.39	5.82	16.10	22.54
Total Average in First Quarter 2009		10.38	4.32	12.01	16.81

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	2.13	2.78	9.73	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	5.50	1.42	2.99	10.46	6 days or more	Nationwide	Aug 13, 2009
iKobo	MTO	14.05	0.53	4.54	15.89	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	14.00	2.69	6.69	23.42	Same day	Nationwide	Aug 13, 2009
MoneyGram	MTO	22.00	3.42	9.70	33.95	Less than one hour	Nationwide	Aug 13, 2009
Western Union	MTO	23.50	3.11	9.82	34.37	Less than one hour	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	30.00	7.02	15.59	54.56	6 days or more	Nationwide	Aug 13, 2009
Fortis Bank	Bank	15.00	17.45	21.74	76.09	2 days	Nationwide	Aug 13, 2009
Rabobank	Bank	25.00	14.63	21.77	76.19	6 days or more	Nationwide	Aug 13, 2009
Bank Average		18.88	10.13	15.52	54.32
MTO Average		15.17	2.37	6.71	23.48
Total Average		16.82	5.82	10.63	37.21
Total Average in First Quarter 2009		13.00	4.32	8.26	28.91

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	2.13	3.77	7.54	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	7.86	1.42	5.35	10.70	6 days or more	Nationwide	Aug 13, 2009
iKobo	MTO	11.06	0.53	6.06	12.12	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	15.71	2.69	10.55	21.10	Same day	Nationwide	Aug 13, 2009
MoneyGram	MTO	22.86	3.42	14.84	29.68	Less than one hour	Nationwide	Aug 13, 2009
Western Union	MTO	24.29	3.11	15.25	30.50	Less than one hour	Nationwide	Aug 13, 2009
Fortis Bank	Bank	21.43	17.45	28.17	56.34	2 days	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	42.86	7.02	28.45	56.90	6 days or more	Nationwide	Aug 13, 2009
Rabobank	Bank	35.71	14.63	32.49	64.98	6 days or more	Nationwide	Aug 13, 2009
Bank Average		26.96	10.13	23.61	47.22
MTO Average		15.44	2.37	10.09	20.18
Total Average		20.56	5.82	16.10	32.20
Total Average in First Quarter 2009		15.38	4.32	12.01	24.02

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	2.13	2.78	13.90	Less than one hour	Nationwide	Aug 13, 2009
ABN AMRO Bank	Bank	7.86	1.42	2.99	14.95	6 days or more	Nationwide	Aug 13, 2009
iKobo	MTO	20.07	0.53	4.54	22.70	Less than one hour	Nationwide	Aug 13, 2009
MoneyTrans	MTO	20.00	2.69	6.69	33.45	Same day	Nationwide	Aug 13, 2009
MoneyGram	MTO	31.43	3.42	9.70	48.50	Less than one hour	Nationwide	Aug 13, 2009
Western Union	MTO	33.57	3.11	9.82	49.10	Less than one hour	Nationwide	Aug 13, 2009
ING Bank/Postbank	Bank	42.86	7.02	15.59	77.95	6 days or more	Nationwide	Aug 13, 2009
Fortis Bank	Bank	21.43	17.45	21.74	108.70	2 days	Nationwide	Aug 13, 2009
Rabobank	Bank	35.71	14.63	21.77	108.85	6 days or more	Nationwide	Aug 13, 2009
Bank Average		26.96	10.13	15.52	77.60
MTO Average		21.67	2.37	6.71	33.55
Total Average		24.02	5.82	10.63	53.15
Total Average in First Quarter 2009		19.70	4.32	8.26	41.30

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ING Bank	Bank	5.00	0.57	4.27	5.76	6 days or more	N/A	Feb 12, 2009
MoneyTrans	MTO	5.00	2.47	6.17	8.33	Same day	N/A	Feb 12, 2009
Fortis Bank	Bank	6.80	1.35	6.39	8.63	2 days	Nationwide	Feb 12, 2009
Western Union	MTO	17.00	3.92	16.51	22.29	Less than one hour	N/A	Feb 12, 2009
MoneyGram	MTO	18.50	3.94	17.65	23.83	Less than one hour	N/A	Feb 12, 2009
Rabobank	Bank	10.00	13.65	21.06	28.43	6 days or more	Nationwide	Feb 12, 2009
Bank Average		7.27	5.19	10.57	14.27
MTO Average		13.50	3.44	13.44	18.14
Total Average		10.38	4.32	12.01	16.21
Total Average in 2008		13.58	12.48	22.55	30.44

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ING Bank	Bank	5.00	0.57	2.09	6.90	6 days or more	N/A	Feb 12, 2009
Fortis Bank	Bank	6.00	1.35	3.17	10.46	2 days	Nationwide	Feb 12, 2009
MoneyTrans	MTO	8.00	2.47	4.89	16.14	Same day	N/A	Feb 12, 2009
Western Union	MTO	23.50	3.92	11.04	36.43	Less than one hour	N/A	Feb 12, 2009
MoneyGram	MTO	25.50	3.94	11.67	38.51	Less than one hour	N/A	Feb 12, 2009
Rabobank	Bank	10.00	13.65	16.68	55.04	6 days or more	Nationwide	Feb 12, 2009
Bank Average		7.00	5.19	7.31	24.12
MTO Average		19.00	3.44	9.20	30.36
Total Average		13.00	4.32	8.26	27.26
Total Average in 2008		15.83	12.48	17.28	57.02

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ING Bank	Bank	7.41	0.57	4.27	8.54	6 days or more	N/A	Feb 12, 2009
MoneyTrans	MTO	7.41	2.47	6.17	12.34	Same day	N/A	Feb 12, 2009
Fortis Bank	Bank	10.07	1.35	6.39	12.78	2 days	Nationwide	Feb 12, 2009
Western Union	MTO	25.19	3.92	16.51	33.02	Less than one hour	N/A	Feb 12, 2009
MoneyGram	MTO	27.41	3.94	17.65	35.30	Less than one hour	N/A	Feb 12, 2009
Rabobank	Bank	14.81	13.65	21.06	42.12	6 days or more	Nationwide	Feb 12, 2009
Bank Average		10.77	5.19	10.57	21.14
MTO Average		20.00	3.44	13.44	26.88
Total Average		15.38	4.32	12.01	24.02
Total Average in 2008		20.12	12.48	22.55	45.10

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ING Bank	Bank	7.58	0.57	2.09	10.45	6 days or more	N/A	Feb 12, 2009
Fortis Bank	Bank	9.09	1.35	3.17	15.85	2 days	Nationwide	Feb 12, 2009
MoneyTrans	MTO	12.12	2.47	4.89	24.45	Same day	N/A	Feb 12, 2009
Western Union	MTO	35.61	3.92	11.04	55.20	Less than one hour	N/A	Feb 12, 2009
MoneyGram	MTO	38.64	3.94	11.67	58.35	Less than one hour	N/A	Feb 12, 2009
Rabobank	Bank	15.15	13.65	16.68	83.40	6 days or more	Nationwide	Feb 12, 2009
Bank Average		10.61	5.19	7.31	36.55
MTO Average		28.79	3.44	9.20	46.00
Total Average		19.70	4.32	8.26	41.30
Total Average in 2008		23.99	12.48	17.28	86.40

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Western Union	MTO	17.00	1.25	13.84	18.68	Same day	-	May 21, 2008
MoneyGram	MTO	18.50	2.10	15.80	21.33	Same day	-	May 21, 2008
Fortis Bank	Bank	6.00	17.97	22.41	30.25	2 days	-	May 21, 2008
MoneyTrans	MTO	5.00	20.32	24.03	32.44	Same day	-	May 21, 2008
ING Bank	Bank	10.00	20.08	27.49	37.11	2 days	-	May 21, 2008
Rabobank	Bank	25.00	13.18	31.70	42.80	2 days	-	May 21, 2008
Bank Average		13.67	17.08	27.20	36.72
MTO Average		13.50	7.89	17.89	24.15
Total Average		13.58	12.48	22.55	30.44
First Quarter 2009		10.38	4.32	12.01	16.21

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Western Union	MTO	23.50	1.25	8.37	27.62	Same day	-	May 21, 2008
MoneyGram	MTO	25.50	2.10	9.83	32.44	Same day	-	May 21, 2008
Fortis Bank	Bank	6.00	17.97	19.78	65.27	2 days	-	May 21, 2008
Rabobank	Bank	25.00	13.18	20.76	68.51	2 days	-	May 21, 2008
MoneyTrans	MTO	5.00	20.32	21.84	72.07	Same day	-	May 21, 2008
ING Bank	Bank	10.00	20.08	23.11	76.26	2 days	-	May 21, 2008
Bank Average		13.67	17.08	21.22	70.03
MTO Average		18.00	7.89	13.35	44.06
Total Average		15.83	12.48	17.28	57.02
First Quarter 2009		13.00	4.32	8.26	27.26

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Western Union	MTO	25.19	1.25	13.84	27.68	Same day	-	May 21, 2008
MoneyGram	MTO	27.41	2.10	15.80	31.60	Same day	-	May 21, 2008
Fortis Bank	Bank	8.89	17.97	22.41	44.82	2 days	-	May 21, 2008
MoneyTrans	MTO	7.41	20.32	24.03	48.06	Same day	-	May 21, 2008
ING Bank	Bank	14.81	20.08	27.49	54.98	2 days	-	May 21, 2008
Rabobank	Bank	37.04	13.18	31.70	63.40	2 days	-	May 21, 2008
Bank Average		20.25	17.08	27.20	54.40
MTO Average		20.00	7.89	17.89	35.78
Total Average		20.12	12.48	22.55	45.10
First Quarter 2009		15.38	4.32	12.01	24.02

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Western Union	MTO	35.61	1.25	8.37	41.85	Same day	-	May 21, 2008
MoneyGram	MTO	38.64	2.10	9.83	49.15	Same day	-	May 21, 2008
Fortis Bank	Bank	9.09	17.97	19.78	98.90	2 days	-	May 21, 2008
Rabobank	Bank	37.88	13.18	20.76	103.80	2 days	-	May 21, 2008
MoneyTrans	MTO	7.58	20.32	21.84	109.20	Same day	-	May 21, 2008
ING Bank	Bank	15.15	20.08	23.11	115.55	2 days	-	May 21, 2008
Bank Average		20.71	17.08	21.22	106.10
MTO Average		27.27	7.89	13.35	66.75
Total Average		23.99	12.48	17.28	86.40
First Quarter 2009		19.70	4.32	8.26	41.30

Remitting from Netherlands to Morocco

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	2.54	4.18	5.85	Less than one hour	Nationwide	Aug 14, 2009
iKobo	MTO	7.74	0.70	6.23	8.72	Less than one hour	Nationwide	Aug 14, 2009
Suri-Change	MTO	5.00	3.48	7.05	9.87	Less than one hour	Nationwide	Aug 14, 2009
MoneyTrans	MTO	10.00	4.98	12.13	16.98	Same day	Nationwide	Aug 14, 2009
Western Union	MTO	12.00	3.62	12.19	17.07	Less than one hour	Nationwide	Aug 14, 2009
MoneyGram	MTO	10.00	5.12	12.26	17.16	Less than one hour	Nationwide	Aug 14, 2009
ABN AMRO Bank	Bank	5.50	8.70	12.63	17.68	2 days	Nationwide	Aug 14, 2009
Rabobank	Bank	35.00	1.41	26.41	36.97	2 days	Nationwide	Aug 14, 2009
ING Bank/Postbank	Bank	19.00	16.14	29.71	41.59	2 days	Nationwide	Aug 14, 2009
Bank Average		19.83	8.75	22.92	32.09
MTO Average		7.84	3.41	9.01	12.61
Total Average		11.84	5.19	13.64	19.10
Total Average in First Quarter 2009		9.39	3.01	9.97	13.96

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	2.54	3.20	11.20	Less than one hour	Nationwide	Aug 14, 2009
iKobo	MTO	14.05	0.70	4.72	16.52	Less than one hour	Nationwide	Aug 14, 2009
Suri-Change	MTO	5.00	3.48	4.91	17.18	Less than one hour	Nationwide	Aug 14, 2009
MoneyTrans	MTO	10.00	4.98	7.84	27.44	Same day	Nationwide	Aug 14, 2009
Western Union	MTO	18.00	3.62	8.76	30.66	Less than one hour	Nationwide	Aug 14, 2009
MoneyGram	MTO	16.00	5.12	9.69	33.92	Less than one hour	Nationwide	Aug 14, 2009
ABN AMRO Bank	Bank	5.50	8.70	10.27	35.94	2 days	Nationwide	Aug 14, 2009
Rabobank	Bank	35.00	1.41	11.41	39.94	2 days	Nationwide	Aug 14, 2009
ING Bank/Postbank	Bank	19.00	16.14	21.57	75.50	2 days	Nationwide	Aug 14, 2009
Bank Average		19.83	8.75	14.42	50.47
MTO Average		10.89	3.41	6.52	22.82
Total Average		13.87	5.19	9.15	32.02
Total Average in First Quarter 2009		10.61	3.01	6.23	21.80

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	2.54	4.18	8.36	Less than one hour	Nationwide	Aug 14, 2009
iKobo	MTO	11.06	0.70	6.23	12.46	Less than one hour	Nationwide	Aug 14, 2009
Suri-Change	MTO	7.14	3.48	7.05	14.10	Less than one hour	Nationwide	Aug 14, 2009
MoneyTrans	MTO	14.29	4.98	12.13	24.26	Same day	Nationwide	Aug 14, 2009
Western Union	MTO	17.14	3.62	12.19	24.38	Less than one hour	Nationwide	Aug 14, 2009
MoneyGram	MTO	14.29	5.12	12.26	24.52	Less than one hour	Nationwide	Aug 14, 2009
ABN AMRO Bank	Bank	7.86	8.70	12.63	25.26	2 days	Nationwide	Aug 14, 2009
Rabobank	Bank	50.00	1.41	26.41	52.82	2 days	Nationwide	Aug 14, 2009
ING Bank/Postbank	Bank	27.14	16.14	29.71	59.42	2 days	Nationwide	Aug 14, 2009
Bank Average		28.33	8.75	22.92	45.84
MTO Average		11.20	3.41	9.01	18.02
Total Average		16.91	5.19	13.64	27.28
Total Average in First Quarter 2009		13.91	3.01	9.97	19.94

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	2.54	3.20	16.00	Less than one hour	Nationwide	Aug 14, 2009
iKobo	MTO	20.07	0.70	4.72	23.60	Less than one hour	Nationwide	Aug 14, 2009
Suri-Change	MTO	7.14	3.48	4.91	24.55	Less than one hour	Nationwide	Aug 14, 2009
MoneyTrans	MTO	14.29	4.98	7.84	39.20	Same day	Nationwide	Aug 14, 2009
Western Union	MTO	25.71	3.62	8.76	43.80	Less than one hour	Nationwide	Aug 14, 2009
MoneyGram	MTO	22.86	5.12	9.69	48.45	Less than one hour	Nationwide	Aug 14, 2009
ABN AMRO Bank	Bank	7.86	8.70	10.27	51.35	2 days	Nationwide	Aug 14, 2009
Rabobank	Bank	50.00	1.41	11.41	57.05	2 days	Nationwide	Aug 14, 2009
ING Bank/Postbank	Bank	27.14	16.14	21.57	107.85	2 days	Nationwide	Aug 14, 2009
Bank Average		28.33	8.75	14.42	72.10
MTO Average		15.56	3.41	6.52	32.60
Total Average		19.82	5.19	9.15	45.75
Total Average in First Quarter 2009		16.08	3.01	6.23	31.15

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	4.50	-1.00	2.34	3.16	Next day	N/A	Feb 13, 2009
Suri-Change	MTO	5.00	-0.36	3.34	4.51	2 days	N/A	Feb 13, 2009
ING Bank	Bank	8.00	0.01	5.93	8.01	2 days	N/A	Feb 13, 2009
ABN AMRO Bank	Bank	10.00	1.81	9.22	12.45	2 days	Nationwide	Feb 13, 2009
SNS Bank	Bank	14.00	0.03	10.40	14.04	2 days	N/A	Feb 13, 2009
MoneyTrans	MTO	10.00	4.71	12.11	16.35	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	12.00	3.44	12.33	16.65	Less than one hour	Nationwide	Feb 13, 2009
MoneyGram	MTO	11.00	5.34	13.49	18.21	Less than one hour	Nationwide	Feb 13, 2009
Rabobank	Bank	10.00	13.12	20.53	27.72	2 days	Nationwide	Feb 13, 2009
Bank Average		9.30	2.79	9.68	13.07
MTO Average		9.50	3.28	10.32	13.93
Total Average		9.39	3.01	9.97	13.46
Total Average in 2008		10.78	5.05	13.04	17.60

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	4.50	-1.00	0.37	1.22	Next day	N/A	Feb 13, 2009
Suri-Change	MTO	5.00	-0.36	1.15	3.79	2 days	N/A	Feb 13, 2009
ING Bank	Bank	8.00	0.01	2.43	8.02	2 days	N/A	Feb 13, 2009
SNS Bank	Bank	14.00	0.03	4.27	14.09	2 days	N/A	Feb 13, 2009
ABN AMRO Bank	Bank	10.00	1.81	4.84	15.97	2 days	Nationwide	Feb 13, 2009
MoneyTrans	MTO	10.00	4.71	7.74	25.54	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	18.00	3.44	8.89	29.34	Less than one hour	Nationwide	Feb 13, 2009
MoneyGram	MTO	16.00	5.34	10.19	33.63	Less than one hour	Nationwide	Feb 13, 2009
Rabobank	Bank	10.00	13.12	16.15	53.29	2 days	Nationwide	Feb 13, 2009
Bank Average		9.30	2.79	5.61	18.51
MTO Average		12.25	3.28	6.99	23.07
Total Average		10.61	3.01	6.23	20.56
Total Average in 2008		12.00	5.05	8.69	28.68

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	6.67	-1.00	2.34	4.68	Next day	N/A	Feb 13, 2009
Suri-Change	MTO	7.41	-0.36	3.34	6.68	2 days	N/A	Feb 13, 2009
ING Bank	Bank	11.85	0.01	5.93	11.86	2 days	N/A	Feb 13, 2009
ABN AMRO Bank	Bank	14.81	1.81	9.22	18.44	2 days	Nationwide	Feb 13, 2009
SNS Bank	Bank	20.74	0.03	10.40	20.80	2 days	N/A	Feb 13, 2009
MoneyTrans	MTO	14.81	4.71	12.11	24.22	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	17.78	3.44	12.33	24.66	Less than one hour	Nationwide	Feb 13, 2009
MoneyGram	MTO	16.30	5.34	13.49	26.98	Less than one hour	Nationwide	Feb 13, 2009
Rabobank	Bank	14.81	13.12	20.53	41.06	2 days	Nationwide	Feb 13, 2009
Bank Average		13.78	2.79	9.68	19.36
MTO Average		14.07	3.28	10.32	20.64
Total Average		13.91	3.01	9.97	19.94
Total Average in 2008		15.97	5.05	13.04	26.08

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	6.82	-1.00	0.37	1.85	Next day	N/A	Feb 13, 2009
Suri-Change	MTO	7.58	-0.36	1.15	5.75	2 days	N/A	Feb 13, 2009
ING Bank	Bank	12.12	0.01	2.43	12.15	2 days	N/A	Feb 13, 2009
SNS Bank	Bank	21.21	0.03	4.27	21.35	2 days	N/A	Feb 13, 2009
ABN AMRO Bank	Bank	15.15	1.81	4.84	24.20	2 days	Nationwide	Feb 13, 2009
MoneyTrans	MTO	15.15	4.71	7.74	38.70	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	27.27	3.44	8.89	44.45	Less than one hour	Nationwide	Feb 13, 2009
MoneyGram	MTO	24.24	5.34	10.19	50.95	Less than one hour	Nationwide	Feb 13, 2009
Rabobank	Bank	15.15	13.12	16.15	80.75	2 days	Nationwide	Feb 13, 2009
Bank Average		14.09	2.79	5.61	28.05
MTO Average		18.56	3.28	6.99	34.95
Total Average		16.08	3.01	6.23	31.15
Total Average in 2008		18.18	5.05	8.69	43.45

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	0.00	0.22	0.22	0.30	Next day	-	May 21, 2008
Suri-Change	MTO	5.00	3.55	7.25	9.79	Same day	-	May 21, 2008
ABN AMRO Bank	Bank	10.00	2.16	9.56	12.91	2 days	-	May 21, 2008
SNS Bank	Bank	14.00	0.24	10.61	14.32	2 days	-	May 21, 2008
MoneyTrans	MTO	10.00	4.68	12.09	16.32	Same day	-	May 21, 2008
Western Union	MTO	12.00	3.98	12.87	17.37	Same day	-	May 21, 2008
MoneyGram	MTO	11.00	5.72	13.87	18.72	Same day	-	May 21, 2008
ING Bank	Bank	10.00	11.46	18.87	25.47	2 days	-	May 21, 2008
Rabobank	Bank	25.00	13.46	31.98	43.17	2 days	-	May 21, 2008
Bank Average		11.80	5.51	14.25	19.24
MTO Average		9.50	4.48	11.52	15.55
Total Average		10.78	5.05	13.04	17.60
First Quarter 2009		9.39	3.01	9.97	13.46

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	0.00	0.22	0.22	0.73	Next day	-	May 21, 2008
SNS Bank	Bank	14.00	0.24	4.49	14.82	2 days	-	May 21, 2008
Suri-Change	MTO	5.00	3.55	5.06	16.70	Same day	-	May 21, 2008
ABN AMRO Bank	Bank	10.00	2.16	5.19	17.13	2 days	-	May 21, 2008
MoneyTrans	MTO	10.00	4.68	7.71	25.44	Same day	-	May 21, 2008
Western Union	MTO	18.00	3.98	9.44	31.15	Same day	-	May 21, 2008
MoneyGram	MTO	16.00	5.72	10.57	34.88	Same day	-	May 21, 2008
ING Bank	Bank	10.00	11.46	14.49	47.82	2 days	-	May 21, 2008
Rabobank	Bank	25.00	13.46	21.04	69.43	2 days	-	May 21, 2008
Bank Average		11.80	5.51	9.08	29.96
MTO Average		12.25	4.48	8.19	27.03
Total Average		12.00	5.05	8.69	28.68
First Quarter 2009		10.61	3.01	6.23	20.56

Corridor note

Due to the rounding up of decimal places for website compatibility, differences between the exchange rate charged and the interbank exchange rate may not be apparent in the table. The relevant RSPs do offer slightly different exchange rates, which are reflected in the exchange rate margin.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	0.00	0.22	0.22	0.44	Next day	-	May 21, 2008
Suri-Change	MTO	7.41	3.55	7.25	14.50	Same day	-	May 21, 2008
ABN AMRO Bank	Bank	14.81	2.16	9.56	19.12	2 days	-	May 21, 2008
SNS Bank	Bank	20.74	0.24	10.61	21.22	2 days	-	May 21, 2008
MoneyTrans	MTO	14.81	4.68	12.09	24.18	Same day	-	May 21, 2008
Western Union	MTO	17.78	3.98	12.87	25.74	Same day	-	May 21, 2008
MoneyGram	MTO	16.30	5.72	13.87	27.74	Same day	-	May 21, 2008
ING Bank	Bank	14.81	11.46	18.87	37.74	2 days	-	May 21, 2008
Rabobank	Bank	37.04	13.46	31.98	63.96	2 days	-	May 21, 2008
Bank Average		17.48	5.51	14.25	28.50
MTO Average		14.07	4.48	11.52	23.04
Total Average		15.97	5.05	13.04	26.08
First Quarter 2009		13.91	3.01	9.97	19.94

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	0.00	0.22	0.22	1.10	Next day	-	May 21, 2008
SNS Bank	Bank	21.21	0.24	4.49	22.45	2 days	-	May 21, 2008
Suri-Change	MTO	7.58	3.55	5.06	25.30	Same day	-	May 21, 2008
ABN AMRO Bank	Bank	15.15	2.16	5.19	25.95	2 days	-	May 21, 2008
MoneyTrans	MTO	15.15	4.68	7.71	38.55	Same day	-	May 21, 2008
Western Union	MTO	27.27	3.98	9.44	47.20	Same day	-	May 21, 2008
MoneyGram	MTO	24.24	5.72	10.57	52.85	Same day	-	May 21, 2008
ING Bank	Bank	15.15	11.46	14.49	72.45	2 days	-	May 21, 2008
Rabobank	Bank	37.88	13.46	21.04	105.20	2 days	-	May 21, 2008
Bank Average		17.88	5.51	9.08	45.40
MTO Average		18.56	4.48	8.19	40.95
Total Average		18.18	5.05	8.69	43.45
First Quarter 2009		16.08	3.01	6.23	31.15

Corridor note

Remitting from Netherlands to Netherlands Antilles

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Rabobank*	Bank	0.00	*0.00	*0.00	*0.00	2 days	Nationwide	Aug 14, 2009
Moneybookers	MTO	2.30	1.06	2.70	3.78	Less than one hour	Nationwide	Aug 14, 2009
ABN AMRO Bank	Bank	5.50	0.00	3.93	5.50	2 days	Nationwide	Aug 14, 2009
Suri-Change	MTO	5.00	2.37	5.94	8.32	Next day	Nationwide	Aug 14, 2009
iKobo	MTO	7.74	0.70	6.23	8.72	Less than one hour	Nationwide	Aug 14, 2009
ING Bank/Postbank	Bank	19.00	0.00	13.57	19.00	2 days	Nationwide	Aug 14, 2009
MoneyGram	MTO	16.00	3.45	14.88	20.83	Less than one hour	Nationwide	Aug 14, 2009
Bank Average		8.17	0.00	5.83	8.16
MTO Average		7.76	1.89	7.44	10.42
Total Average		7.93	1.08	6.75	9.45
Total Average in First Quarter 2009		10.57	8.14	15.97	22.36

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Rabobank*	Bank	0.00	*0.00	*0.00	*0.00	2 days	Nationwide	Aug 14, 2009
Moneybookers	MTO	3.29	1.06	2.70	5.40	Less than one hour	Nationwide	Aug 14, 2009
ABN AMRO Bank	Bank	7.86	0.00	3.93	7.86	2 days	Nationwide	Aug 14, 2009
Suri-Change	MTO	7.14	2.37	5.94	11.88	Next day	Nationwide	Aug 14, 2009
iKobo	MTO	11.06	0.70	6.23	12.46	Less than one hour	Nationwide	Aug 14, 2009
ING Bank/Postbank	Bank	27.14	0.00	13.57	27.14	2 days	Nationwide	Aug 14, 2009
MoneyGram	MTO	22.86	3.45	14.88	29.76	Less than one hour	Nationwide	Aug 14, 2009
Bank Average		11.67	0.00	5.83	11.66
MTO Average		11.09	1.89	7.44	14.88
Total Average		11.33	1.08	6.75	13.50
Total Average in First Quarter 2009		15.66	8.14	15.97	31.94

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ING Bank	Bank	9.00	4.44	11.11	15.00	2 days	N/A	Feb 13, 2009
Suri-Change	MTO	5.00	7.91	11.62	15.69	Next day	N/A	Feb 13, 2009
ABN AMRO Bank	Bank	5.50	8.78	12.86	17.36	2 days	N/A	Feb 13, 2009
Sunro Change	MTO	16.00	3.91	15.76	21.28	Same day	Nationwide	Feb 13, 2009
MoneyGram	MTO	18.50	3.12	16.83	22.72	Less than one hour	N/A	Feb 16, 2009
Western Union	MTO	10.00	12.61	20.02	27.03	Less than one hour	Nationwide	Feb 13, 2009
Rabobank	Bank	10.00	16.17	23.57	31.82	2 days	Nationwide	Feb 13, 2009
Bank Average		8.17	9.80	15.85	21.40
MTO Average		12.38	6.89	16.06	21.68
Total Average		10.57	8.14	15.97	21.56
Total Average in 2008		12.50	3.88	13.14	17.74

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ING Bank	Bank	13.33	4.44	11.11	22.22	2 days	N/A	Feb 13, 2009
Suri-Change	MTO	7.41	7.91	11.62	23.24	Next day	N/A	Feb 13, 2009
ABN AMRO Bank	Bank	8.15	8.78	12.86	25.72	2 days	N/A	Feb 13, 2009
Sunro Change	MTO	23.70	3.91	15.76	31.52	Same day	Nationwide	Feb 13, 2009
MoneyGram	MTO	27.41	3.12	16.83	33.66	Less than one hour	N/A	Feb 16, 2009
Western Union	MTO	14.81	12.61	20.02	40.04	Less than one hour	Nationwide	Feb 13, 2009
Rabobank	Bank	14.81	16.17	23.57	47.14	2 days	Nationwide	Feb 13, 2009
Bank Average		12.10	9.80	15.85	31.70
MTO Average		18.33	6.89	16.06	32.12
Total Average		15.66	8.14	15.97	31.94
Total Average in 2008		18.52	3.88	13.14	26.28

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ABN AMRO Bank	Bank	10.00	0.20	7.61	10.27	2 days	-	May 30, 2008
Suri-Change	MTO	5.00	5.19	8.89	12.00	Next day	-	May 30, 2008
ING Bank	Bank	10.00	4.12	11.53	15.57	2 days	-	May 30, 2008
Sunro Change	MTO	16.00	4.48	16.33	22.05	Same day	-	May 30, 2008
Rabobank	Bank	17.00	4.12	16.71	22.56	2 days	-	May 30, 2008
Western Union	MTO	17.00	5.19	17.78	24.00	Same day	-	May 30, 2008
Bank Average		12.33	2.81	11.95	16.13
MTO Average		12.67	4.95	14.33	19.35
Total Average		12.50	3.88	13.14	17.74
First Quarter 2009		10.57	8.14	15.97	21.56

Corridor note

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ABN AMRO Bank	Bank	14.81	0.20	7.61	15.22	2 days	-	May 30, 2008
Suri-Change	MTO	7.41	5.19	8.89	17.78	Next day	-	May 30, 2008
ING Bank	Bank	14.81	4.12	11.53	23.06	2 days	-	May 30, 2008
Sunro Change	MTO	23.70	4.48	16.33	32.66	Same day	-	May 30, 2008
Rabobank	Bank	25.19	4.12	16.71	33.42	2 days	-	May 30, 2008
Western Union	MTO	25.19	5.19	17.78	35.56	Same day	-	May 30, 2008
Bank Average		18.27	2.81	11.95	23.90
MTO Average		18.77	4.95	14.33	28.66
Total Average		18.52	3.88	13.14	26.28
First Quarter 2009		15.66	8.14	15.97	31.94

Corridor note

Remitting from Netherlands to Nigeria

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	1.75	3.39	4.75	Less than one hour	Nationwide	Aug 15, 2009
ABN AMRO Bank	Bank	5.50	0.70	4.63	6.48	6 days or more	Nationwide	Aug 15, 2009
iKobo	MTO	7.74	1.40	6.93	9.70	Less than one hour	Nationwide	Aug 15, 2009
MoneyGram	MTO	9.99	1.79	8.93	12.50	Less than one hour	Nationwide	Aug 15, 2009
Western Union	MTO	11.00	4.83	12.69	17.77	Less than one hour	Nationwide	Aug 15, 2009
ING Bank/Postbank	Bank	25.00	5.29	23.14	32.40	6 days or more	Nationwide	Aug 15, 2009
Fortis Bank	Bank	26.80	7.69	26.84	37.58	6 days or more	Nationwide	Aug 15, 2009
Bank Average		19.10	4.56	18.20	25.48
MTO Average		7.76	2.44	7.98	11.17
Total Average		12.62	3.35	12.36	17.30
Total Average in First Quarter 2009		13.74	1.08	11.27	15.78

200500

				Total cost
Firm name	Firm type	Fee <