Spain

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

- Brazil
- Bulgaria
- China
- Colombia
- Dominican Republic
- Ecuador
- Morocco
- Peru
- Philippines
- Romania

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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Find out by selecting sending and receiving countries below:

Remitting from Spain to Brazil

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
Master Envios Unidos	MTO	4.00	-4.53	-1.67	-2.34	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	4.00	-3.77	-0.92	-1.29	Less than one hour	Nationwide	Aug 05, 2009
Telegiros	MTO	4.50	-3.77	-0.56	-0.78	Less than one hour	Nationwide	Aug 05, 2009
Trans Fast	MTO	4.00	-3.40	-0.54	-0.76	Less than one hour	Nationwide	Aug 05, 2009
Exact Change	MTO	6.00	-4.53	-0.24	-0.34	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	6.00	-3.02	1.27	1.78	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	4.00	2.64	5.50	7.70	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	3.00	3.40	5.54	7.76	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	6.00	1.51	5.80	8.12	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		4.61	-1.72	1.57	2.20
Total Average		4.61	-1.72	1.57	2.20
Total Average in First Quarter 2009		5.95	1.94	6.35	8.89

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	4.00	-4.53	-3.39	-11.86	Less than one hour	Nationwide	Aug 05, 2009
Exact Change	MTO	6.00	-4.53	-2.81	-9.84	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	4.00	-3.77	-2.63	-9.20	Less than one hour	Nationwide	Aug 05, 2009
Telegiros	MTO	4.50	-3.77	-2.49	-8.72	Less than one hour	Nationwide	Aug 05, 2009
Trans Fast	MTO	4.00	-3.40	-2.25	-7.88	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	6.00	-3.02	-1.30	-4.55	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	6.00	1.51	3.22	11.27	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	4.00	2.64	3.78	13.23	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	3.00	3.40	4.25	14.88	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		4.61	-1.72	-0.40	-1.40
Total Average		4.61	-1.72	-0.40	-1.40
Total Average in First Quarter 2009		7.18	1.94	4.11	14.38

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	5.71	-4.53	-1.67	-3.34	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	5.71	-3.77	-0.92	-1.84	Less than one hour	Nationwide	Aug 05, 2009
Telegiros	MTO	6.43	-3.77	-0.56	-1.12	Less than one hour	Nationwide	Aug 05, 2009
Trans Fast	MTO	5.71	-3.40	-0.54	-1.08	Less than one hour	Nationwide	Aug 05, 2009
Exact Change	MTO	8.57	-4.53	-0.24	-0.48	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	8.57	-3.02	1.27	2.54	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	5.71	2.64	5.50	11.00	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	4.29	3.40	5.54	11.08	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	8.57	1.51	5.80	11.60	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		6.59	-1.72	1.57	3.14
Total Average		6.59	-1.72	1.57	3.14
Total Average in First Quarter 2009		8.81	1.94	6.35	12.70

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	5.71	-4.53	-3.39	-16.95	Less than one hour	Nationwide	Aug 05, 2009
Exact Change	MTO	8.57	-4.53	-2.81	-14.05	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	5.71	-3.77	-2.63	-13.15	Less than one hour	Nationwide	Aug 05, 2009
Telegiros	MTO	6.43	-3.77	-2.49	-12.45	Less than one hour	Nationwide	Aug 05, 2009
Trans Fast	MTO	5.71	-3.40	-2.25	-11.25	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	8.57	-3.02	-1.30	-6.50	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	8.57	1.51	3.22	16.10	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	5.71	2.64	3.78	18.90	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	4.29	3.40	4.25	21.25	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		6.59	-1.72	-0.40	-2.00
Total Average		6.59	-1.72	-0.40	-2.00
Total Average in First Quarter 2009		10.63	1.94	4.11	20.55

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
TransFast	MTO	4.00	0.34	3.30	4.46	Less than one hour	Nationwide	Feb 12, 2009
Safe Money Transfer Spain	MTO	5.00	-0.34	3.37	4.55	Less than one hour	Nationwide	Feb 12, 2009
Latinoenvios	MTO	4.00	1.01	3.97	5.36	Less than one hour	Nationwide	Feb 12, 2009
Money Gram	MTO	4.90	1.01	4.64	6.26	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	4.00	1.68	4.64	6.26	Less than one hour	Nationwide	Feb 12, 2009
Telegiros	MTO	4.50	1.34	4.68	6.32	Less than one hour	Nationwide	Feb 12, 2009
Exact Change	MTO	6.00	0.34	4.78	6.45	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	5.00	2.68	6.39	8.63	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	8.00	1.01	6.93	9.36	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	5.00	3.69	7.39	9.98	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	5.00	4.36	8.07	10.89	Less than one hour	Nationwide	Feb 12, 2009
Europhil	MTO	4.00	5.37	8.33	11.25	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	18.00	2.68	16.02	21.63	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		5.78	2.01	6.30	8.51
Non-Bank FI Average		8.00	1.01	6.93	9.36
Total Average		5.95	1.94	6.35	8.57
Total Average in 2008		5.00	0.02	3.72	5.02

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Safe Money Transfer Spain	MTO	5.00	-0.34	1.18	3.89	Less than one hour	Nationwide	Feb 12, 2009
TransFast	MTO	4.00	0.34	1.55	5.12	Less than one hour	Nationwide	Feb 12, 2009
Exact Change	MTO	6.00	0.34	2.15	7.10	Less than one hour	Nationwide	Feb 12, 2009
Latinoenvios	MTO	4.00	1.01	2.22	7.33	Less than one hour	Nationwide	Feb 12, 2009
Telegiros	MTO	4.50	1.34	2.71	8.94	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	4.00	1.68	2.89	9.54	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	8.00	1.01	3.43	11.32	Less than one hour	Nationwide	Feb 12, 2009
Money Gram	MTO	8.90	1.01	3.70	12.21	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	5.00	2.68	4.20	13.86	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	5.00	3.69	5.21	17.19	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	5.00	4.36	5.88	19.40	Less than one hour	Nationwide	Feb 12, 2009
Europhil	MTO	4.00	5.37	6.58	21.71	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	30.00	2.68	11.78	38.87	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		7.12	2.01	4.17	13.76
Non-Bank FI Average		8.00	1.01	3.43	11.32
Total Average		7.18	1.94	4.11	13.56
Total Average in 2008		5.00	0.02	1.54	5.08

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TransFast	MTO	5.92	0.34	3.30	6.60	Less than one hour	Nationwide	Feb 12, 2009
Safe Money Transfer Spain	MTO	7.40	-0.34	3.37	6.74	Less than one hour	Nationwide	Feb 12, 2009
Latinoenvios	MTO	5.92	1.01	3.97	7.94	Less than one hour	Nationwide	Feb 12, 2009
Money Gram	MTO	7.25	1.01	4.64	9.28	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	5.92	1.68	4.64	9.28	Less than one hour	Nationwide	Feb 12, 2009
Telegiros	MTO	6.66	1.34	4.68	9.36	Less than one hour	Nationwide	Feb 12, 2009
Exact Change	MTO	8.88	0.34	4.78	9.56	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	7.40	2.68	6.39	12.78	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	11.84	1.01	6.93	13.86	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	7.40	3.69	7.39	14.78	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	7.40	4.36	8.07	16.14	Less than one hour	Nationwide	Feb 12, 2009
Europhil	MTO	5.92	5.37	8.33	16.66	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	26.64	2.68	16.02	32.04	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		8.56	2.01	6.30	12.60
Non-Bank FI Average		11.84	1.01	6.93	13.86
Total Average		8.81	1.94	6.35	12.70
Total Average in 2008		7.41	0.02	3.72	7.44

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Safe Money Transfer Spain	MTO	7.40	-0.34	1.18	5.90	Less than one hour	Nationwide	Feb 12, 2009
TransFast	MTO	5.92	0.34	1.55	7.75	Less than one hour	Nationwide	Feb 12, 2009
Exact Change	MTO	8.88	0.34	2.15	10.75	Less than one hour	Nationwide	Feb 12, 2009
Latinoenvios	MTO	5.92	1.01	2.22	11.10	Less than one hour	Nationwide	Feb 12, 2009
Telegiros	MTO	6.66	1.34	2.71	13.55	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	5.92	1.68	2.89	14.45	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	11.84	1.01	3.43	17.15	Less than one hour	Nationwide	Feb 12, 2009
Money Gram	MTO	13.17	1.01	3.70	18.50	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	7.40	2.68	4.20	21.00	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	7.40	3.69	5.21	26.05	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	7.40	4.36	5.88	29.40	Less than one hour	Nationwide	Feb 12, 2009
Europhil	MTO	5.92	5.37	6.58	32.90	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	44.40	2.68	11.78	58.90	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		10.53	2.01	4.17	20.85
Non-Bank FI Average		11.84	1.01	3.43	17.15
Total Average		10.63	1.94	4.11	20.55
Total Average in 2008		7.58	0.02	1.54	7.70

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Trans-fast	MTO	4.00	-2.43	0.53	0.72	3 days	-	May 09, 2008
Telegiros	MTO	4.00	-1.66	1.30	1.76	Instant	-	May 09, 2008
Master Envios Unidos	MTO	6.00	-0.51	3.94	5.32	1-2 days	-	May 09, 2008
Safe Money transfer	MTO	6.00	-0.51	3.94	5.32	1-2 days	-	May 09, 2008
Exact Change	MTO	6.00	-0.12	4.32	5.83	1 day	-	May 09, 2008
Latinoenvios	MTO	3.00	2.19	4.41	5.95	1 day	-	May 09, 2008
Universal de Envios	MTO	5.00	1.42	5.12	6.91	1 day	-	May 09, 2008
Ria	MTO	6.00	1.80	6.25	8.44	Same day	-	May 09, 2008
MTO Average		5.00	0.02	3.72	5.02
Total Average		5.00	0.02	3.72	5.02
First Quarter 2009		5.95	1.94	6.35	8.57

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Trans-fast	MTO	4.00	-2.43	-1.22	-4.03	3 days	-	May 09, 2008
Telegiros	MTO	4.00	-1.66	-0.45	-1.48	Instant	-	May 09, 2008
Master Envios Unidos	MTO	6.00	-0.51	1.31	4.32	1-2 days	-	May 09, 2008
Safe Money transfer	MTO	6.00	-0.51	1.31	4.32	1-2 days	-	May 09, 2008
Exact Change	MTO	6.00	-0.12	1.69	5.58	1 day	-	May 09, 2008
Universal de Envios	MTO	5.00	1.42	2.93	9.67	1 day	-	May 09, 2008
Latinoenvios	MTO	3.00	2.19	3.10	10.23	1 day	-	May 09, 2008
Ria	MTO	6.00	1.80	3.62	11.95	Same day	-	May 09, 2008
MTO Average		5.00	0.02	1.54	5.08
Total Average		5.00	0.02	1.54	5.08
First Quarter 2009		7.18	1.94	4.11	13.56

Corridor note

A negative exchange rate margin for some operators reflects a ‘parallel’ or ‘grey’ foreign exchange market.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Trans-fast	MTO	5.93	-2.43	0.53	1.06	3 days	-	May 09, 2008
Telegiros	MTO	5.93	-1.66	1.30	2.60	Instant	-	May 09, 2008
Master Envios Unidos	MTO	8.89	-0.51	3.94	7.88	1-2 days	-	May 09, 2008
Safe Money transfer	MTO	8.89	-0.51	3.94	7.88	1-2 days	-	May 09, 2008
Exact Change	MTO	8.89	-0.12	4.32	8.64	1 day	-	May 09, 2008
Latinoenvios	MTO	4.44	2.19	4.41	8.82	1 day	-	May 09, 2008
Universal de Envios	MTO	7.41	1.42	5.12	10.24	1 day	-	May 09, 2008
Ria	MTO	8.89	1.80	6.25	12.50	Same day	-	May 09, 2008
MTO Average		7.41	0.02	3.72	7.44
Total Average		7.41	0.02	3.72	7.44
First Quarter 2009		8.81	1.94	6.35	12.70

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Trans-fast	MTO	6.06	-2.43	-1.22	-6.10	3 days	-	May 09, 2008
Telegiros	MTO	6.06	-1.66	-0.45	-2.25	Instant	-	May 09, 2008
Master Envios Unidos	MTO	9.09	-0.51	1.31	6.55	1-2 days	-	May 09, 2008
Safe Money transfer	MTO	9.09	-0.51	1.31	6.55	1-2 days	-	May 09, 2008
Exact Change	MTO	9.09	-0.12	1.69	8.45	1 day	-	May 09, 2008
Universal de Envios	MTO	7.58	1.42	2.93	14.65	1 day	-	May 09, 2008
Latinoenvios	MTO	4.55	2.19	3.10	15.50	1 day	-	May 09, 2008
Ria	MTO	9.09	1.80	3.62	18.10	Same day	-	May 09, 2008
MTO Average		7.58	0.02	1.54	7.70
Total Average		7.58	0.02	1.54	7.70
First Quarter 2009		10.63	1.94	4.11	20.55

Corridor note

A negative exchange rate margin for some operators reflects a ‘parallel’ or ‘grey’ foreign exchange market.

Remitting from Spain to Bulgaria

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
Money Exchange	MTO	3.00	2.82	4.96	6.94	Less than one hour	Nationwide	Aug 05, 2009
Telegiros	MTO	7.76	0.00	5.54	7.76	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	4.00	2.82	5.67	7.94	Less than one hour	Urban only	Aug 05, 2009
Maccorp Exact Change	MTO	6.00	2.56	6.85	9.59	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	6.00	2.56	6.85	9.59	Less than one hour	Main city	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	14.50	2.05	12.41	17.37	Less than one hour	Urban only	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	14.00	3.59	13.59	19.03	Less than one hour	Nationwide	Aug 05, 2009
La Caixa	Non-Bank FI	27.00	2.05	21.34	29.88	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		7.89	2.34	7.98	11.17
Non-Bank FI Average		27.00	2.05	21.34	29.88
Total Average		10.28	2.31	9.65	13.51
Total Average in First Quarter 2009		11.08	0.80	9.00	12.60

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Telegiros	MTO	12.66	0.00	3.62	12.67	Less than one hour	Nationwide	Aug 05, 2009
Money Exchange	MTO	3.00	2.82	3.67	12.84	Less than one hour	Nationwide	Aug 05, 2009
Maccorp Exact Change	MTO	6.00	2.56	4.28	14.98	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	6.00	2.56	4.28	14.98	Less than one hour	Main city	Aug 05, 2009
Universal de Envios	MTO	12.00	2.82	6.25	21.88	Less than one hour	Urban only	Aug 05, 2009
La Caixa	Non-Bank FI	27.00	2.05	9.77	34.20	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	29.50	2.05	10.48	36.68	Less than one hour	Urban only	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	29.00	3.59	11.88	41.58	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		14.02	2.34	6.35	22.22
Non-Bank FI Average		27.00	2.05	9.77	34.20
Total Average		15.64	2.31	6.78	23.73
Total Average in First Quarter 2009		12.41	0.80	4.56	15.96

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Exchange	MTO	4.29	2.82	4.96	9.92	Less than one hour	Nationwide	Aug 05, 2009
Telegiros	MTO	11.09	0.00	5.54	11.08	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	5.71	2.82	5.67	11.34	Less than one hour	Urban only	Aug 05, 2009
Maccorp Exact Change	MTO	8.57	2.56	6.85	13.70	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	8.57	2.56	6.85	13.70	Less than one hour	Main city	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	20.71	2.05	12.41	24.82	Less than one hour	Urban only	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	20.00	3.59	13.59	27.18	Less than one hour	Nationwide	Aug 05, 2009
La Caixa	Non-Bank FI	38.57	2.05	21.34	42.68	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		11.28	2.34	7.98	15.96
Non-Bank FI Average		38.57	2.05	21.34	42.68
Total Average		14.69	2.31	9.65	19.30
Total Average in First Quarter 2009		16.40	0.80	9.00	18.00

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Telegiros	MTO	18.09	0.00	3.62	18.10	Less than one hour	Nationwide	Aug 05, 2009
Money Exchange	MTO	4.29	2.82	3.67	18.35	Less than one hour	Nationwide	Aug 05, 2009
Maccorp Exact Change	MTO	8.57	2.56	4.28	21.40	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	8.57	2.56	4.28	21.40	Less than one hour	Main city	Aug 05, 2009
Universal de Envios	MTO	17.14	2.82	6.25	31.25	Less than one hour	Urban only	Aug 05, 2009
La Caixa	Non-Bank FI	38.57	2.05	9.77	48.85	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	42.14	2.05	10.48	52.40	Less than one hour	Urban only	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	41.43	3.59	11.88	59.40	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		20.03	2.34	6.35	31.75
Non-Bank FI Average		38.57	2.05	9.77	48.85
Total Average		22.35	2.31	6.78	33.90
Total Average in First Quarter 2009		18.37	0.80	4.56	22.80

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	5.00	0.00	3.70	5.00	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	5.00	0.00	3.70	5.00	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	7.00	0.00	5.19	7.01	Less than one hour	N/A	Feb 12, 2009
Telegiros	MTO	8.20	0.00	6.07	8.19	Less than one hour	Nationwide	Feb 12, 2009
Maccorp Exact Change	MTO	6.00	3.08	7.52	10.15	Less than one hour	Nationwide	Feb 12, 2009
Hispano World Transfer (MoneyGram)	MTO	14.00	1.03	11.40	15.39	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	15.50	0.00	11.48	15.50	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	12.00	3.08	11.97	16.16	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	27.00	0.00	20.00	27.00	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		9.09	0.90	7.63	10.30
Non-Bank FI Average		27.00	0.00	20.00	27.00
Total Average		11.08	0.80	9.00	12.15
Total Average in 2008		10.64	0.00	7.88	10.64

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Universal de Envios	MTO	5.00	0.00	1.52	5.02	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	6.00	0.00	1.82	6.01	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	7.00	0.00	2.12	7.00	Less than one hour	N/A	Feb 12, 2009
Telegiros	MTO	8.20	0.00	2.48	8.18	Less than one hour	Nationwide	Feb 12, 2009
Maccorp Exact Change	MTO	6.00	3.08	4.90	16.17	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	17.50	0.00	5.30	17.49	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	12.00	3.08	6.71	22.14	Less than one hour	Nationwide	Feb 12, 2009
Hispano World Transfer (MoneyGram)	MTO	23.00	1.03	8.00	26.40	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	27.00	0.00	8.18	26.99	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		10.59	0.90	4.11	13.56
Non-Bank FI Average		27.00	0.00	8.18	26.99
Total Average		12.41	0.80	4.56	15.05
Total Average in 2008		17.04	0.00	5.16	17.03

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	7.40	0.00	3.70	7.40	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	7.40	0.00	3.70	7.40	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	10.36	0.00	5.19	10.38	Less than one hour	N/A	Feb 12, 2009
Telegiros	MTO	12.14	0.00	6.07	12.14	Less than one hour	Nationwide	Feb 12, 2009
Maccorp Exact Change	MTO	8.88	3.08	7.52	15.04	Less than one hour	Nationwide	Feb 12, 2009
Hispano World Transfer (MoneyGram)	MTO	20.72	1.03	11.40	22.80	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	22.94	0.00	11.48	22.96	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	17.76	3.08	11.97	23.94	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	39.96	0.00	20.00	40.00	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		13.45	0.90	7.63	15.26
Non-Bank FI Average		39.96	0.00	20.00	40.00
Total Average		16.40	0.80	9.00	18.00
Total Average in 2008		15.76	0.00	7.88	15.76

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Universal de Envios	MTO	7.40	0.00	1.52	7.60	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	8.88	0.00	1.82	9.10	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	10.36	0.00	2.12	10.60	Less than one hour	N/A	Feb 12, 2009
Telegiros	MTO	12.14	0.00	2.48	12.40	Less than one hour	Nationwide	Feb 12, 2009
Maccorp Exact Change	MTO	8.88	3.08	4.90	24.50	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	25.90	0.00	5.30	26.50	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	17.76	3.08	6.71	33.55	Less than one hour	Nationwide	Feb 12, 2009
Hispano World Transfer (MoneyGram)	MTO	34.04	1.03	8.00	40.00	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	39.96	0.00	8.18	40.90	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		15.67	0.90	4.11	20.55
Non-Bank FI Average		39.96	0.00	8.18	40.90
Total Average		18.37	0.80	4.56	22.80
Total Average in 2008		25.82	0.00	5.16	25.80

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Maccorp Exact Change	MTO	6.00	0.00	4.44	5.99	1day	-	May 09, 2008
Master Envios Unidos	MTO	6.00	0.00	4.44	5.99	1-2 days	-	May 09, 2008
Money Exchange	MTO	7.00	0.00	5.19	7.01	1-2 days	-	May 09, 2008
Universal de Envios	MTO	8.00	0.00	5.93	8.01	1 day	-	May 09, 2008
Ria	MTO	10.90	0.00	8.07	10.89	1 day	-	May 09, 2008
La Caixa	Non-Bank FI	12.00	0.00	8.89	12.00	1 day	-	May 09, 2008
Hispano World Transfer (MoneyGram)	MTO	14.00	0.00	10.37	14.00	Instant	-	May 09, 2008
Safe Money Transfer Spain	MTO	14.00	0.00	10.37	14.00	1-2 days	-	May 09, 2008
Telegiros	MTO	14.00	0.00	10.37	14.00	1 day	-	May 09, 2008
Foreign Exchange Co. (Western Union)	MTO	14.50	0.00	10.74	14.50	Instant	-	May 09, 2008
MTO Average		10.49	0.00	7.77	10.49
Non-Bank FI Average		12.00	0.00	8.89	12.00
Total Average		10.64	0.00	7.88	10.64
First Quarter 2009		11.08	0.80	9.00	12.15

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Maccorp Exact Change	MTO	6.00	0.00	1.82	6.01	1day	-	May 09, 2008
Master Envios Unidos	MTO	6.00	0.00	1.82	6.01	1-2 days	-	May 09, 2008
La Caixa	Non-Bank FI	12.00	0.00	3.64	12.01	1 day	-	May 09, 2008
Safe Money Transfer Spain	MTO	14.00	0.00	4.24	13.99	1-2 days	-	May 09, 2008
Money Exchange	MTO	15.00	0.00	4.55	15.02	1-2 days	-	May 09, 2008
Ria	MTO	17.90	0.00	5.42	17.89	1 day	-	May 09, 2008
Universal de Envios	MTO	19.00	0.00	5.76	19.01	1 day	-	May 09, 2008
Telegiros	MTO	22.00	0.00	6.67	22.01	1 day	-	May 09, 2008
Hispano World Transfer (MoneyGram)	MTO	29.00	0.00	8.79	29.01	Instant	-	May 09, 2008
Foreign Exchange Co. (Western Union)	MTO	29.50	0.00	8.94	29.50	Instant	-	May 09, 2008
MTO Average		17.60	0.00	5.33	17.59
Non-Bank FI Average		12.00	0.00	3.64	12.01
Total Average		17.04	0.00	5.16	17.03
First Quarter 2009		12.41	0.80	4.56	15.05

Corridor note

Money is sent in Euro and paid out in Euro.Remittance recipients may incur an additional cost (not shown here) if and when converting the Euro to the local currency.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Maccorp Exact Change	MTO	8.89	0.00	4.44	8.88	1day	-	May 09, 2008
Master Envios Unidos	MTO	8.89	0.00	4.44	8.88	1-2 days	-	May 09, 2008
Money Exchange	MTO	10.37	0.00	5.19	10.38	1-2 days	-	May 09, 2008
Universal de Envios	MTO	11.85	0.00	5.93	11.86	1 day	-	May 09, 2008
Ria	MTO	16.15	0.00	8.07	16.14	1 day	-	May 09, 2008
La Caixa	Non-Bank FI	17.78	0.00	8.89	17.78	1 day	-	May 09, 2008
Hispano World Transfer (MoneyGram)	MTO	20.74	0.00	10.37	20.74	Instant	-	May 09, 2008
Safe Money Transfer Spain	MTO	20.74	0.00	10.37	20.74	1-2 days	-	May 09, 2008
Telegiros	MTO	20.74	0.00	10.37	20.74	1 day	-	May 09, 2008
Foreign Exchange Co. (Western Union)	MTO	21.48	0.00	10.74	21.48	Instant	-	May 09, 2008
MTO Average		15.54	0.00	7.77	15.54
Non-Bank FI Average		17.78	0.00	8.89	17.78
Total Average		15.76	0.00	7.88	15.76
First Quarter 2009		16.40	0.80	9.00	18.00

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Maccorp Exact Change	MTO	9.09	0.00	1.82	9.10	1day	-	May 09, 2008
Master Envios Unidos	MTO	9.09	0.00	1.82	9.10	1-2 days	-	May 09, 2008
La Caixa	Non-Bank FI	18.18	0.00	3.64	18.20	1 day	-	May 09, 2008
Safe Money Transfer Spain	MTO	21.21	0.00	4.24	21.20	1-2 days	-	May 09, 2008
Money Exchange	MTO	22.73	0.00	4.55	22.75	1-2 days	-	May 09, 2008
Ria	MTO	27.12	0.00	5.42	27.10	1 day	-	May 09, 2008
Universal de Envios	MTO	28.79	0.00	5.76	28.80	1 day	-	May 09, 2008
Telegiros	MTO	33.33	0.00	6.67	33.35	1 day	-	May 09, 2008
Hispano World Transfer (MoneyGram)	MTO	43.94	0.00	8.79	43.95	Instant	-	May 09, 2008
Foreign Exchange Co. (Western Union)	MTO	44.70	0.00	8.94	44.70	Instant	-	May 09, 2008
MTO Average		26.67	0.00	5.33	26.65
Non-Bank FI Average		18.18	0.00	3.64	18.20
Total Average		25.82	0.00	5.16	25.80
First Quarter 2009		18.37	0.80	4.56	22.80

Corridor note

Money is sent in Euro and paid out in Euro.Remittance recipients may incur an additional cost (not shown here) if and when converting the Euro to the local currency.

Remitting from Spain to China

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
Money Gram	MTO	13.90	2.82	12.75	17.85	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	20.00	3.09	17.37	24.32	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		16.95	2.95	15.06	21.08
Total Average		16.95	2.95	15.06	21.08
Total Average in First Quarter 2009		16.95	1.64	14.20	19.88

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Money Gram	MTO	13.90	2.82	6.79	23.76	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	20.00	3.09	8.80	30.80	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		16.95	2.95	7.79	27.26
Total Average		16.95	2.95	7.79	27.26
Total Average in First Quarter 2009		16.95	1.64	6.78	23.73

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Gram	MTO	19.86	2.82	12.75	25.50	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	28.57	3.09	17.37	34.74	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		24.21	2.95	15.06	30.12
Total Average		24.21	2.95	15.06	30.12
Total Average in First Quarter 2009		25.09	1.64	14.20	28.40

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Gram	MTO	19.86	2.82	6.79	33.95	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	28.57	3.09	8.80	44.00	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		24.21	2.95	7.79	38.95
Total Average		24.21	2.95	7.79	38.95
Total Average in First Quarter 2009		25.09	1.64	6.78	33.90

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Money Gram	MTO	13.90	0.00	10.30	13.90	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	20.00	3.28	18.10	24.44	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		16.95	1.64	14.20	19.17
Total Average		16.95	1.64	14.20	19.17
Total Average in 2008		17.50	2.02	14.98	20.22

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Money Gram	MTO	13.90	0.00	4.21	13.89	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	20.00	3.28	9.34	30.82	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		16.95	1.64	6.78	22.37
Total Average		16.95	1.64	6.78	22.37
Total Average in 2008		17.50	1.89	7.19	23.73

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Gram	MTO	20.57	0.00	10.30	20.60	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	29.60	3.28	18.10	36.20	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		25.09	1.64	14.20	28.40
Total Average		25.09	1.64	14.20	28.40
Total Average in 2008		25.93	2.02	14.98	29.96

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Gram	MTO	20.57	0.00	4.21	21.05	Less than one hour	Nationwide	Feb 12, 2009
Foreign Exchange Co. (Western Union)	MTO	29.60	3.28	9.34	46.70	Less than one hour	Nationwide	Feb 12, 2009
MTO Average		25.09	1.64	6.78	33.90
Total Average		25.09	1.64	6.78	33.90
Total Average in 2008		26.52	1.89	7.19	35.95

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Money Exchange	MTO	15.00	0.53	11.64	15.71	1 day	-	May 12, 2008
Foreign Exchange Co. (WU)	MTO	20.00	3.51	18.33	24.75	1 day	-	May 12, 2008
MTO Average		17.50	2.02	14.98	20.22
Total Average		17.50	2.02	14.98	20.22
First Quarter 2009		16.95	1.64	14.20	19.17

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Money Exchange	MTO	15.00	0.53	5.08	16.76	1 day	-	May 12, 2008
Foreign Exchange Co. (WU)	MTO	20.00	3.24	9.30	30.69	1 day	-	May 12, 2008
MTO Average		17.50	1.89	7.19	23.73
Total Average		17.50	1.89	7.19	23.73
First Quarter 2009		16.95	1.64	6.78	22.37

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Exchange	MTO	22.22	0.53	11.64	23.28	1 day	-	May 12, 2008
Foreign Exchange Co. (WU)	MTO	29.63	3.51	18.33	36.66	1 day	-	May 12, 2008
MTO Average		25.93	2.02	14.98	29.96
Total Average		25.93	2.02	14.98	29.96
First Quarter 2009		25.09	1.64	14.20	28.40

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Money Exchange	MTO	22.73	0.53	5.08	25.40	1 day	-	May 12, 2008
Foreign Exchange Co. (WU)	MTO	30.30	3.24	9.30	46.50	1 day	-	May 12, 2008
MTO Average		26.52	1.89	7.19	35.95
Total Average		26.52	1.89	7.19	35.95
First Quarter 2009		25.09	1.64	6.78	33.90

Remitting from Spain to Colombia

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
Master Envios Unidos	MTO	4.00	0.69	3.55	4.97	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	4.00	0.93	3.79	5.31	Less than one hour	Nationwide	Aug 05, 2009
TransFast	MTO	4.00	1.07	3.93	5.50	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	4.00	1.66	4.52	6.33	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	6.00	0.80	5.08	7.11	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	3.00	3.05	5.19	7.27	Less than one hour	Nationwide	Aug 05, 2009
BBVA Dinero Express	MTO	5.00	1.85	5.42	7.59	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	6.00	2.70	6.99	9.79	Less than one hour	Nationwide	Aug 05, 2009
Maccorp Exact Change	MTO	6.00	2.83	7.12	9.97	Less than one hour	Nationwide	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	4.90	3.73	7.23	10.12	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	5.50	3.53	7.45	10.43	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		4.76	2.08	5.48	7.67
Total Average		4.76	2.08	5.48	7.67
Total Average in First Quarter 2009		4.92	2.34	5.98	8.37

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	4.00	0.69	1.83	6.40	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	4.00	0.93	2.08	7.28	Less than one hour	Nationwide	Aug 05, 2009
TransFast	MTO	4.00	1.07	2.21	7.74	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	6.00	0.80	2.51	8.78	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	4.00	1.66	2.80	9.80	Less than one hour	Nationwide	Aug 05, 2009
BBVA Dinero Express	MTO	5.00	1.85	3.28	11.48	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	3.00	3.05	3.91	13.68	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	6.00	2.70	4.41	15.44	Less than one hour	Nationwide	Aug 05, 2009
Maccorp Exact Change	MTO	6.00	2.83	4.55	15.92	Less than one hour	Nationwide	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	8.90	3.73	6.28	21.98	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	10.00	3.53	6.38	22.33	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		5.54	2.08	3.66	12.81
Total Average		5.54	2.08	3.66	12.81
Total Average in First Quarter 2009		5.49	2.34	4.00	14.00

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	5.71	0.69	3.55	7.10	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	5.71	0.93	3.79	7.58	Less than one hour	Nationwide	Aug 05, 2009
TransFast	MTO	5.71	1.07	3.93	7.86	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	5.71	1.66	4.52	9.04	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	8.57	0.80	5.08	10.16	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	4.29	3.05	5.19	10.38	Less than one hour	Nationwide	Aug 05, 2009
BBVA Dinero Express	MTO	7.14	1.85	5.42	10.84	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	8.57	2.70	6.99	13.98	Less than one hour	Nationwide	Aug 05, 2009
Maccorp Exact Change	MTO	8.57	2.83	7.12	14.24	Less than one hour	Nationwide	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	7.00	3.73	7.23	14.46	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	7.86	3.53	7.45	14.90	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		6.81	2.08	5.48	10.96
Total Average		6.81	2.08	5.48	10.96
Total Average in First Quarter 2009		7.28	2.34	5.98	11.96

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Master Envios Unidos	MTO	5.71	0.69	1.83	9.15	Less than one hour	Nationwide	Aug 05, 2009
Safe Money Transfer Spain	MTO	5.71	0.93	2.08	10.40	Less than one hour	Nationwide	Aug 05, 2009
TransFast	MTO	5.71	1.07	2.21	11.05	Less than one hour	Nationwide	Aug 05, 2009
Universal de Envios	MTO	8.57	0.80	2.51	12.55	Less than one hour	Nationwide	Aug 05, 2009
Europhil	MTO	5.71	1.66	2.80	14.00	Less than one hour	Nationwide	Aug 05, 2009
BBVA Dinero Express	MTO	7.14	1.85	3.28	16.40	Less than one hour	Nationwide	Aug 05, 2009
Banco Santander (latinoenvios)	MTO	4.29	3.05	3.91	19.55	Less than one hour	Nationwide	Aug 05, 2009
Ria	MTO	8.57	2.70	4.41	22.05	Less than one hour	Nationwide	Aug 05, 2009
Maccorp Exact Change	MTO	8.57	2.83	4.55	22.75	Less than one hour	Nationwide	Aug 05, 2009
Hispano World Transfer (MoneyGram)	MTO	12.71	3.73	6.28	31.40	Less than one hour	Nationwide	Aug 05, 2009
Foreign Exchange Co. (Western Union)	MTO	14.29	3.53	6.38	31.90	Less than one hour	Nationwide	Aug 05, 2009
MTO Average		7.91	2.08	3.66	18.30
Total Average		7.91	2.08	3.66	18.30
Total Average in First Quarter 2009		8.12	2.34	4.00	20.00

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Europhil	MTO	4.00	1.64	4.61	6.22	Less than one hour	Nationwide	Feb 12, 2009
Universal de Envios	MTO	5.00	1.00	4.71	6.36	Less than one hour	Nationwide	Feb 12, 2009
La Caixa	Non-Bank FI	3.90	1.92	4.81	6.49	Less than one hour	Nationwide	Feb 12, 2009
Ria	MTO	5.00	1.31	5.01	6.76	Less than one hour	Nationwide	Feb 12, 2009
BBVA Dinero Express	MTO	5.00	1.92	5.62	7.59	Less than one hour	Nationwide	Feb 12, 2009
Master Envios Unidos	MTO	5.00	1.92	5.62	7.59	Less than one hour	Nationwide	Feb 12, 2009
Latinoenvios	MTO	5.00	2.01	5.72	7.72	Less than one hour	Nationwide	Feb 12, 2009
Money Exchange	MTO	2.00	4.43	5.91	7.98	Less than one hour	Nationwide	Feb 12, 2009