Canada

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

- Haiti
- India
- Jamaica
- Philippines
- Vietnam

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?

FromTo

Find out by selecting sending and receiving countries below:

Remitting from Canada to Haiti

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

See prices in CAD | USD

216540

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
iKobo	MTO	11.50	0.00	5.32	11.49	6 days or more	Nationwide	Aug 14, 2009
ScotiaBank	Bank	11.16	3.30	8.46	18.27	Less than one hour	Nationwide	Aug 14, 2009
MoneyGram	MTO	15.00	2.20	9.14	19.74	Less than one hour	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	15.00	2.20	9.14	19.74	3-5 days	Nationwide	Aug 14, 2009
Western Union	MTO	16.99	3.30	11.16	24.11	Less than one hour	Nationwide	Aug 14, 2009
Western Union	MTO	20.00	3.30	12.56	27.13	Less than one hour	Nationwide	Aug 14, 2009
Bank of Montreal	Bank	25.00	2.20	13.77	29.74	3-5 days	Nationwide	Aug 14, 2009
ScotiaBank	Bank	24.00	3.30	14.41	31.13	3-5 days	Nationwide	Aug 14, 2009
Toronto Dominion Bank	Bank	30.00	1.10	14.99	32.38	3-5 days	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	42.00	2.20	21.64	46.74	3-5 days	Nationwide	Aug 14, 2009
CIBC	Bank	44.00	9.89	30.26	65.36	3-5 days	Nationwide	Aug 14, 2009
Bank Average		27.31	3.45	16.10	34.78
MTO Average		15.87	2.20	9.55	20.63
Total Average		23.15	3.00	13.71	29.61
Total Average in First Quarter 2009		25.64	2.32	15.14	32.70

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
iKobo	MTO	21.25	0.00	4.25	22.95	6 days or more	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	15.00	2.20	5.20	28.08	3-5 days	Nationwide	Aug 14, 2009
ScotiaBank	Bank	14.40	3.30	6.18	33.37	Less than one hour	Nationwide	Aug 14, 2009
Toronto Dominion Bank	Bank	30.00	1.10	7.10	38.34	3-5 days	Nationwide	Aug 14, 2009
Bank of Montreal	Bank	25.00	2.20	7.20	38.88	3-5 days	Nationwide	Aug 14, 2009
MoneyGram	MTO	25.00	2.20	7.20	38.88	Less than one hour	Nationwide	Aug 14, 2009
Western Union	MTO	33.00	3.30	9.90	53.46	Less than one hour	Nationwide	Aug 14, 2009
Western Union	MTO	35.00	3.30	10.30	55.62	Less than one hour	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	42.00	2.20	10.60	57.24	3-5 days	Nationwide	Aug 14, 2009
CIBC	Bank	44.00	9.89	18.69	100.93	3-5 days	Nationwide	Aug 14, 2009
ScotiaBank	Bank	24.00	14.29	19.09	103.09	3-5 days	Nationwide	Aug 14, 2009
Bank Average		27.77	5.02	10.58	57.13
MTO Average		28.56	2.20	7.91	42.71
Total Average		28.06	4.00	9.61	51.89
Total Average in First Quarter 2009		28.07	2.32	7.94	42.88

Corridor note

In this corridor all RSPs send USD. At the point of collection, the money may be paid out in USD or converted to the local currency. Remittance recipients may incur an additional cost (not shown here) if and when converting the USD to the local currency.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
iKobo	MTO	11.50	0.00	5.32	10.64	6 days or more	Nationwide	Aug 14, 2009
ScotiaBank	Bank	10.33	3.30	8.46	16.92	Less than one hour	Nationwide	Aug 14, 2009
MoneyGram	MTO	13.89	2.20	9.14	18.28	Less than one hour	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	13.89	2.20	9.14	18.28	3-5 days	Nationwide	Aug 14, 2009
Western Union	MTO	15.73	3.30	11.16	22.32	Less than one hour	Nationwide	Aug 14, 2009
Western Union	MTO	18.52	3.30	12.56	25.12	Less than one hour	Nationwide	Aug 14, 2009
Bank of Montreal	Bank	23.15	2.20	13.77	27.54	3-5 days	Nationwide	Aug 14, 2009
ScotiaBank	Bank	22.22	3.30	14.41	28.82	3-5 days	Nationwide	Aug 14, 2009
Toronto Dominion Bank	Bank	27.78	1.10	14.99	29.98	3-5 days	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	38.89	2.20	21.64	43.28	3-5 days	Nationwide	Aug 14, 2009
CIBC	Bank	40.74	9.89	30.26	60.52	3-5 days	Nationwide	Aug 14, 2009
Bank Average		25.29	3.45	16.10	32.20
MTO Average		14.91	2.20	9.55	19.10
Total Average		21.51	3.00	13.71	27.42
Total Average in First Quarter 2009		25.64	2.32	15.14	30.28

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
iKobo	MTO	21.25	0.00	4.25	21.25	6 days or more	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	13.89	2.20	5.20	26.00	3-5 days	Nationwide	Aug 14, 2009
ScotiaBank	Bank	13.33	3.30	6.18	30.90	Less than one hour	Nationwide	Aug 14, 2009
Toronto Dominion Bank	Bank	27.78	1.10	7.10	35.50	3-5 days	Nationwide	Aug 14, 2009
Bank of Montreal	Bank	23.15	2.20	7.20	36.00	3-5 days	Nationwide	Aug 14, 2009
MoneyGram	MTO	23.15	2.20	7.20	36.00	Less than one hour	Nationwide	Aug 14, 2009
Western Union	MTO	30.56	3.30	9.90	49.50	Less than one hour	Nationwide	Aug 14, 2009
Western Union	MTO	32.41	3.30	10.30	51.50	Less than one hour	Nationwide	Aug 14, 2009
Royal Bank of Canada	Bank	38.89	2.20	10.60	53.00	3-5 days	Nationwide	Aug 14, 2009
CIBC	Bank	40.74	9.89	18.69	93.45	3-5 days	Nationwide	Aug 14, 2009
ScotiaBank	Bank	22.22	14.29	19.09	95.45	3-5 days	Nationwide	Aug 14, 2009
Bank Average		25.71	5.02	10.58	52.90
MTO Average		26.84	2.20	7.91	39.55
Total Average		26.12	4.00	9.61	48.05
Total Average in First Quarter 2009		28.07	2.32	7.94	39.70

Corridor note

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	2.50	8.75	17.50	3-5 days	Nationwide	Feb 11, 2009
MoneyGram	MTO	15.00	2.50	10.00	20.00	Less than one hour	Nationwide	Feb 11, 2009
Western Union	MTO	18.00	2.50	11.50	23.00	Less than one hour	Nationwide	Feb 11, 2009
Bank of Montreal	Bank	25.00	1.25	13.75	27.50	3-5 days	Nationwide	Feb 11, 2009
Toronto Dominion Bank	Bank	30.00	1.25	16.25	32.50	3-5 days	Nationwide	Feb 11, 2009
Royal Bank of Canada	Bank	35.00	2.50	20.00	40.00	3-5 days	Nationwide	Feb 11, 2009
CIBC	Bank	44.00	3.75	25.75	51.50	3-5 days	Nationwide	Feb 11, 2009
Bank Average		29.30	2.25	16.90	33.80
MTO Average		16.50	2.50	10.75	21.50
Total Average		25.64	2.32	15.14	30.28
Total Average in 2008		26.55	1.19	14.46	28.92

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	2.50	5.00	25.00	3-5 days	Nationwide	Feb 11, 2009
Bank of Montreal	Bank	25.00	1.25	6.25	31.25	3-5 days	Nationwide	Feb 11, 2009
MoneyGram	MTO	20.00	2.50	6.50	32.50	Less than one hour	Nationwide	Feb 11, 2009
Toronto Dominion Bank	Bank	30.00	1.25	7.25	36.25	3-5 days	Nationwide	Feb 11, 2009
Western Union	MTO	30.00	2.50	8.50	42.50	Less than one hour	Nationwide	Feb 11, 2009
Royal Bank of Canada	Bank	35.00	2.50	9.50	47.50	3-5 days	Nationwide	Feb 11, 2009
CIBC	Bank	44.00	3.75	12.55	62.75	3-5 days	Nationwide	Feb 11, 2009
Bank Average		29.30	2.25	8.11	40.55
MTO Average		25.00	2.50	7.50	37.50
Total Average		28.07	2.32	7.94	39.70
Total Average in 2008		29.77	1.19	7.14	35.70

Corridor note

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	2.50	8.75	17.50	3-5 days	Nationwide	Feb 11, 2009
MoneyGram	MTO	15.00	2.50	10.00	20.00	Less than one hour	Nationwide	Feb 11, 2009
Western Union	MTO	18.00	2.50	11.50	23.00	Less than one hour	Nationwide	Feb 11, 2009
Bank of Montreal	Bank	25.00	1.25	13.75	27.50	3-5 days	Nationwide	Feb 11, 2009
Toronto Dominion Bank	Bank	30.00	1.25	16.25	32.50	3-5 days	Nationwide	Feb 11, 2009
Royal Bank of Canada	Bank	35.00	2.50	20.00	40.00	3-5 days	Nationwide	Feb 11, 2009
CIBC	Bank	44.00	3.75	25.75	51.50	3-5 days	Nationwide	Feb 11, 2009
Bank Average		29.30	2.25	16.90	33.80
MTO Average		16.50	2.50	10.75	21.50
Total Average		25.64	2.32	15.14	30.28
Total Average in 2008		26.55	1.19	14.46	28.92

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	2.50	5.00	25.00	3-5 days	Nationwide	Feb 11, 2009
Bank of Montreal	Bank	25.00	1.25	6.25	31.25	3-5 days	Nationwide	Feb 11, 2009
MoneyGram	MTO	20.00	2.50	6.50	32.50	Less than one hour	Nationwide	Feb 11, 2009
Toronto Dominion Bank	Bank	30.00	1.25	7.25	36.25	3-5 days	Nationwide	Feb 11, 2009
Western Union	MTO	30.00	2.50	8.50	42.50	Less than one hour	Nationwide	Feb 11, 2009
Royal Bank of Canada	Bank	35.00	2.50	9.50	47.50	3-5 days	Nationwide	Feb 11, 2009
CIBC	Bank	44.00	3.75	12.55	62.75	3-5 days	Nationwide	Feb 11, 2009
Bank Average		29.30	2.25	8.11	40.55
MTO Average		25.00	2.50	7.50	37.50
Total Average		28.07	2.32	7.94	39.70
Total Average in 2008		29.77	1.19	7.14	35.70

Corridor note

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Canada Post	Post office	4.95	0.18	2.66	5.32	2-3 days	-	May 21, 2008
Fonkoze	MTO	10.00	0.18	5.18	10.36	Same day	-	May 21, 2008
MoneyGram	MTO	15.00	0.18	7.68	15.36	Instant	-	May 21, 2008
Western Union	MTO	27.00	1.19	14.69	29.38	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	15.18	30.36	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	18.21	36.42	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	20.71	41.42	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	42.00	0.18	21.18	42.36	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	2.20	24.70	49.40	3-5 days- electronic	-	May 21, 2008
Bank Average		36.40	1.79	19.99	39.98
MTO Average		17.33	0.52	9.18	18.36
Post office Average		4.95	0.18	2.66	5.32
Total Average		26.55	1.19	14.46	28.92
First Quarter 2009		25.64	2.32	15.14	30.28

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Canada Post	Post office	4.95	0.18	1.17	5.85	2-3 days	-	May 21, 2008
Fonkoze	MTO	10.00	0.18	2.18	10.90	Same day	-	May 21, 2008
MoneyGram	MTO	20.00	0.18	4.18	20.90	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	6.18	30.90	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	42.00	0.18	8.58	42.90	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	9.21	46.05	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	10.21	51.05	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	2.20	11.20	56.00	3-5 days- electronic	-	May 21, 2008
Western Union	MTO	51.00	1.19	11.39	56.95	Instant	-	May 21, 2008
Bank Average		36.40	1.79	9.07	45.35
MTO Average		27.00	0.52	5.92	29.60
Post office Average		4.95	0.18	1.17	5.85
Total Average		29.77	1.19	7.14	35.70
First Quarter 2009		28.07	2.32	7.94	39.70

Corridor note

The exchange rate column reflects the fact that money is sent in USD. At the point of collection, the money is converted to the local currency. Remittance recipients may incur an additional cost (not shown here) if and when converting the USD to the local currency.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Canada Post	Post office	4.95	0.18	2.66	5.32	2-3 days	-	May 21, 2008
Fonkoze	MTO	10.00	0.18	5.18	10.36	Same day	-	May 21, 2008
MoneyGram	MTO	15.00	0.18	7.68	15.36	Instant	-	May 21, 2008
Western Union	MTO	27.00	1.19	14.69	29.38	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	15.18	30.36	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	18.21	36.42	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	20.71	41.42	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	42.00	0.18	21.18	42.36	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	2.20	24.70	49.40	3-5 days- electronic	-	May 21, 2008
Bank Average		36.40	1.79	19.99	39.98
MTO Average		17.33	0.52	9.18	18.36
Post office Average		4.95	0.18	2.66	5.32
Total Average		26.55	1.19	14.46	28.92
First Quarter 2009		25.64	2.32	15.14	30.28

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Canada Post	Post office	4.95	0.18	1.17	5.85	2-3 days	-	May 21, 2008
Fonkoze	MTO	10.00	0.18	2.18	10.90	Same day	-	May 21, 2008
MoneyGram	MTO	20.00	0.18	4.18	20.90	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	6.18	30.90	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	42.00	0.18	8.58	42.90	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	9.21	46.05	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	10.21	51.05	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	2.20	11.20	56.00	3-5 days- electronic	-	May 21, 2008
Western Union	MTO	51.00	1.19	11.39	56.95	Instant	-	May 21, 2008
Bank Average		36.40	1.79	9.07	45.35
MTO Average		27.00	0.52	5.92	29.60
Post office Average		4.95	0.18	1.17	5.85
Total Average		29.77	1.19	7.14	35.70
First Quarter 2009		28.07	2.32	7.94	39.70

Corridor note

Remitting from Canada to India

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

See prices in CAD | USD

216540

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
ICICI Bank	Bank	5.00	2.70	5.02	10.84	3-5 days	Nationwide	Aug 27, 2009
iKobo	MTO	11.50	0.00	5.32	11.49	Less than one hour	Nationwide	Aug 27, 2009
State Bank of India	Bank	8.00	1.81	5.52	11.92	2 days	Nationwide	Aug 27, 2009
MoneyGram	MTO	10.00	1.68	6.31	13.63	Less than one hour	Nationwide	Aug 27, 2009
Senvia	MTO	10.00	2.81	7.44	16.07	Next day	Nationwide	Aug 27, 2009
ScotiaBank	Bank	11.16	2.55	7.72	16.68	Less than one hour	Nationwide	Aug 27, 2009
Western Union	MTO	15.00	2.55	9.50	20.52	Less than one hour	Nationwide	Aug 27, 2009
Western Union	MTO	15.00	2.55	9.50	20.52	Less than one hour	Nationwide	Aug 27, 2009
ScotiaBank	Bank	12.50	7.87	13.66	29.51	3-5 days	Nationwide	Aug 27, 2009
Toronto Dominion Bank	Bank	30.00	1.17	15.06	32.53	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	13.50	11.30	17.55	37.91	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	15.00	11.30	18.24	39.40	3-5 days	Nationwide	Aug 27, 2009
Remit2india.com	MTO	15.00	14.82	21.76	47.00	3-5 days	Nationwide	Aug 27, 2009
Bank Average		13.59	5.53	11.82	25.53
MTO Average		12.75	4.07	9.97	21.54
Total Average		13.20	4.86	10.97	23.70
Total Average in First Quarter 2009		18.12	2.83	11.90	25.70

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
State Bank of India	Bank	8.00	1.81	3.41	18.41	2 days	Nationwide	Aug 27, 2009
ICICI Bank	Bank	5.00	2.70	3.70	19.98	3-5 days	Nationwide	Aug 27, 2009
MoneyGram	MTO	12.00	1.68	4.08	22.03	Less than one hour	Nationwide	Aug 27, 2009
iKobo	MTO	21.25	0.00	4.25	22.95	Less than one hour	Nationwide	Aug 27, 2009
ScotiaBank	Bank	14.40	2.55	5.43	29.32	Less than one hour	Nationwide	Aug 27, 2009
Senvia	MTO	15.00	2.81	5.81	31.37	Next day	Nationwide	Aug 27, 2009
Western Union	MTO	20.00	2.55	6.55	35.37	Less than one hour	Nationwide	Aug 27, 2009
Western Union	MTO	20.00	2.55	6.55	35.37	Less than one hour	Nationwide	Aug 27, 2009
Toronto Dominion Bank	Bank	30.00	1.17	7.17	38.72	3-5 days	Nationwide	Aug 27, 2009
ScotiaBank	Bank	12.50	7.87	10.37	56.00	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	13.50	11.30	14.00	75.60	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	15.00	11.30	14.30	77.22	3-5 days	Nationwide	Aug 27, 2009
Remit2india.com	MTO	15.00	14.82	17.82	96.23	3-5 days	Nationwide	Aug 27, 2009
Bank Average		14.06	5.53	8.34	45.04
MTO Average		17.21	4.07	7.51	40.55
Total Average		15.51	4.86	7.96	42.98
Total Average in First Quarter 2009		19.81	2.83	6.80	36.72

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ICICI Bank	Bank	4.63	2.70	5.02	10.04	3-5 days	Nationwide	Aug 27, 2009
iKobo	MTO	11.50	0.00	5.32	10.64	Less than one hour	Nationwide	Aug 27, 2009
State Bank of India	Bank	7.41	1.81	5.52	11.04	2 days	Nationwide	Aug 27, 2009
MoneyGram	MTO	9.26	1.68	6.31	12.62	Less than one hour	Nationwide	Aug 27, 2009
Senvia	MTO	9.26	2.81	7.44	14.88	Next day	Nationwide	Aug 27, 2009
ScotiaBank	Bank	10.33	2.55	7.72	15.44	Less than one hour	Nationwide	Aug 27, 2009
Western Union	MTO	13.89	2.55	9.50	19.00	Less than one hour	Nationwide	Aug 27, 2009
Western Union	MTO	13.89	2.55	9.50	19.00	Less than one hour	Nationwide	Aug 27, 2009
ScotiaBank	Bank	11.57	7.87	13.66	27.32	3-5 days	Nationwide	Aug 27, 2009
Toronto Dominion Bank	Bank	27.78	1.17	15.06	30.12	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	12.50	11.30	17.55	35.10	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	13.89	11.30	18.24	36.48	3-5 days	Nationwide	Aug 27, 2009
Remit2india.com	MTO	13.89	14.82	21.76	43.52	3-5 days	Nationwide	Aug 27, 2009
Bank Average		12.59	5.53	11.82	23.64
MTO Average		11.95	4.07	9.97	19.94
Total Average		12.29	4.86	10.97	21.94
Total Average in First Quarter 2009		18.12	2.83	11.90	23.80

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
State Bank of India	Bank	7.41	1.81	3.41	17.05	2 days	Nationwide	Aug 27, 2009
ICICI Bank	Bank	4.63	2.70	3.70	18.50	3-5 days	Nationwide	Aug 27, 2009
MoneyGram	MTO	11.11	1.68	4.08	20.40	Less than one hour	Nationwide	Aug 27, 2009
iKobo	MTO	21.25	0.00	4.25	21.25	Less than one hour	Nationwide	Aug 27, 2009
ScotiaBank	Bank	13.33	2.55	5.43	27.15	Less than one hour	Nationwide	Aug 27, 2009
Senvia	MTO	13.89	2.81	5.81	29.05	Next day	Nationwide	Aug 27, 2009
Western Union	MTO	18.52	2.55	6.55	32.75	Less than one hour	Nationwide	Aug 27, 2009
Western Union	MTO	18.52	2.55	6.55	32.75	Less than one hour	Nationwide	Aug 27, 2009
Toronto Dominion Bank	Bank	27.78	1.17	7.17	35.85	3-5 days	Nationwide	Aug 27, 2009
ScotiaBank	Bank	11.57	7.87	10.37	51.85	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	12.50	11.30	14.00	70.00	3-5 days	Nationwide	Aug 27, 2009
Royal Bank of Canada	Bank	13.89	11.30	14.30	71.50	3-5 days	Nationwide	Aug 27, 2009
Remit2india.com	MTO	13.89	14.82	17.82	89.10	3-5 days	Nationwide	Aug 27, 2009
Bank Average		13.02	5.53	8.34	41.70
MTO Average		16.20	4.07	7.51	37.55
Total Average		14.48	4.86	7.96	39.80
Total Average in First Quarter 2009		19.81	2.83	6.80	34.00

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	10.00	0.46	5.46	10.92	Less than one hour	Nationwide	Feb 12, 2009
State Bank of India	Bank	8.00	2.55	6.55	13.10	2 days	Nationwide	Feb 12, 2009
Senvia	MTO	13.00	2.01	8.51	17.02	Same day	Nationwide	Feb 12, 2009
Western Union	MTO	14.00	2.22	9.22	18.44	Less than one hour	Nationwide	Feb 12, 2009
Remit2india.com	MTO	15.00	1.86	9.36	18.72	Next day	Nationwide	Feb 12, 2009
ICICI Bank	Bank	20.00	2.24	12.24	24.48	Next day	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	2.50	20.00	40.00	3-5 days	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	8.84	23.84	47.68	3-5 days	Nationwide	Feb 12, 2009
Bank Average		23.25	4.03	15.66	31.32
MTO Average		13.00	1.64	8.14	16.28
Total Average		18.12	2.83	11.90	23.80
Total Average in 2008		19.56	3.18	12.95	25.90

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	10.00	0.46	2.46	12.30	Less than one hour	Nationwide	Feb 12, 2009
State Bank of India	Bank	8.00	2.55	4.15	20.75	2 days	Nationwide	Feb 12, 2009
Remit2india.com	MTO	15.00	1.86	4.86	24.30	Next day	Nationwide	Feb 12, 2009
Senvia	MTO	20.50	2.01	6.11	30.55	Same day	Nationwide	Feb 12, 2009
Western Union	MTO	20.00	2.22	6.22	31.10	Less than one hour	Nationwide	Feb 12, 2009
ICICI Bank	Bank	20.00	2.24	6.24	31.20	Next day	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	2.50	9.50	47.50	3-5 days	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	8.84	14.84	74.20	3-5 days	Nationwide	Feb 12, 2009
Bank Average		23.25	4.03	8.68	43.40
MTO Average		16.38	1.64	4.91	24.55
Total Average		19.81	2.83	6.80	34.00
Total Average in 2008		23.06	3.18	7.79	38.95

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	10.00	0.46	5.46	10.92	Less than one hour	Nationwide	Feb 12, 2009
State Bank of India	Bank	8.00	2.55	6.55	13.10	2 days	Nationwide	Feb 12, 2009
Senvia	MTO	13.00	2.01	8.51	17.02	Same day	Nationwide	Feb 12, 2009
Western Union	MTO	14.00	2.22	9.22	18.44	Less than one hour	Nationwide	Feb 12, 2009
Remit2india.com	MTO	15.00	1.86	9.36	18.72	Next day	Nationwide	Feb 12, 2009
ICICI Bank	Bank	20.00	2.24	12.24	24.48	Next day	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	2.50	20.00	40.00	3-5 days	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	8.84	23.84	47.68	3-5 days	Nationwide	Feb 12, 2009
Bank Average		23.25	4.03	15.66	31.32
MTO Average		13.00	1.64	8.14	16.28
Total Average		18.12	2.83	11.90	23.80
Total Average in 2008		19.56	3.18	12.95	25.90

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	10.00	0.46	2.46	12.30	Less than one hour	Nationwide	Feb 12, 2009
State Bank of India	Bank	8.00	2.55	4.15	20.75	2 days	Nationwide	Feb 12, 2009
Remit2india.com	MTO	15.00	1.86	4.86	24.30	Next day	Nationwide	Feb 12, 2009
Senvia	MTO	20.50	2.01	6.11	30.55	Same day	Nationwide	Feb 12, 2009
Western Union	MTO	20.00	2.22	6.22	31.10	Less than one hour	Nationwide	Feb 12, 2009
ICICI Bank	Bank	20.00	2.24	6.24	31.20	Next day	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	2.50	9.50	47.50	3-5 days	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	8.84	14.84	74.20	3-5 days	Nationwide	Feb 12, 2009
Bank Average		23.25	4.03	8.68	43.40
MTO Average		16.38	1.64	4.91	24.55
Total Average		19.81	2.83	6.80	34.00
Total Average in 2008		23.06	3.18	7.79	38.95

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Canada Post	Post office	6.00	1.15	4.15	8.30	2-3 days	-	May 20, 2008
MoneyGram	MTO	10.00	0.73	5.73	11.46	Instant	-	May 20, 2008
State Bank of India	Bank	8.00	2.15	6.15	12.30	1-2 days SWIFT/3-4 days Cable	-	May 20, 2008
Remit2india.com	MTO	15.00	1.66	9.16	18.32	1 day	-	May 20, 2008
ICICI Bank	Bank	20.00	1.71	11.71	23.42	Next day	-	May 20, 2008
Western Union	MTO	27.00	1.03	14.53	29.06	Instant	-	May 20, 2008
Senvia	MTO	15.00	8.53	16.03	32.06	Same day	-	May 20, 2008
Toronto Dominion Bank	Bank	30.00	5.47	20.47	40.94	3-5 days- electronic	-	May 20, 2008
Royal Bank of Canada	Bank	45.00	6.15	28.65	57.30	3-5 days- electronic	-	May 20, 2008
Bank Average		25.75	3.87	16.75	33.50
MTO Average		16.75	2.99	11.36	22.72
Post office Average		6.00	1.15	4.15	8.30
Total Average		19.56	3.18	12.95	25.90
First Quarter 2009		18.12	2.83	11.90	23.80

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Canada Post	Post office	6.00	1.15	2.35	11.75	2-3 days	-	May 20, 2008
MoneyGram	MTO	10.00	0.73	2.73	13.65	Instant	-	May 20, 2008
State Bank of India	Bank	8.00	2.15	3.75	18.75	1-2 days SWIFT/3-4 days Cable	-	May 20, 2008
Remit2india.com	MTO	15.00	1.66	4.66	23.30	1 day	-	May 20, 2008
ICICI Bank	Bank	20.00	1.71	5.71	28.55	Next day	-	May 20, 2008
Western Union	MTO	51.00	1.03	11.23	56.15	Instant	-	May 20, 2008
Toronto Dominion Bank	Bank	30.00	5.47	11.47	57.35	3-5 days- electronic	-	May 20, 2008
Senvia	MTO	22.50	8.53	13.03	65.15	Same day	-	May 20, 2008
Royal Bank of Canada	Bank	45.00	6.15	15.15	75.75	3-5 days- electronic	-	May 20, 2008
Bank Average		25.75	3.87	9.02	45.10
MTO Average		24.62	2.99	7.91	39.55
Post office Average		6.00	1.15	2.35	11.75
Total Average		23.06	3.18	7.79	38.95
First Quarter 2009		19.81	2.83	6.80	34.00

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Canada Post	Post office	6.00	1.15	4.15	8.30	2-3 days	-	May 20, 2008
MoneyGram	MTO	10.00	0.73	5.73	11.46	Instant	-	May 20, 2008
State Bank of India	Bank	8.00	2.15	6.15	12.30	1-2 days SWIFT/3-4 days Cable	-	May 20, 2008
Remit2india.com	MTO	15.00	1.66	9.16	18.32	1 day	-	May 20, 2008
ICICI Bank	Bank	20.00	1.71	11.71	23.42	Next day	-	May 20, 2008
Western Union	MTO	27.00	1.03	14.53	29.06	Instant	-	May 20, 2008
Senvia	MTO	15.00	8.53	16.03	32.06	Same day	-	May 20, 2008
Toronto Dominion Bank	Bank	30.00	5.47	20.47	40.94	3-5 days- electronic	-	May 20, 2008
Royal Bank of Canada	Bank	45.00	6.15	28.65	57.30	3-5 days- electronic	-	May 20, 2008
Bank Average		25.75	3.87	16.75	33.50
MTO Average		16.75	2.99	11.36	22.72
Post office Average		6.00	1.15	4.15	8.30
Total Average		19.56	3.18	12.95	25.90
First Quarter 2009		18.12	2.83	11.90	23.80

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Canada Post	Post office	6.00	1.15	2.35	11.75	2-3 days	-	May 20, 2008
MoneyGram	MTO	10.00	0.73	2.73	13.65	Instant	-	May 20, 2008
State Bank of India	Bank	8.00	2.15	3.75	18.75	1-2 days SWIFT/3-4 days Cable	-	May 20, 2008
Remit2india.com	MTO	15.00	1.66	4.66	23.30	1 day	-	May 20, 2008
ICICI Bank	Bank	20.00	1.71	5.71	28.55	Next day	-	May 20, 2008
Western Union	MTO	51.00	1.03	11.23	56.15	Instant	-	May 20, 2008
Toronto Dominion Bank	Bank	30.00	5.47	11.47	57.35	3-5 days- electronic	-	May 20, 2008
Senvia	MTO	22.50	8.53	13.03	65.15	Same day	-	May 20, 2008
Royal Bank of Canada	Bank	45.00	6.15	15.15	75.75	3-5 days- electronic	-	May 20, 2008
Bank Average		25.75	3.87	9.02	45.10
MTO Average		24.62	2.99	7.91	39.55
Post office Average		6.00	1.15	2.35	11.75
Total Average		23.06	3.18	7.79	38.95
First Quarter 2009		19.81	2.83	6.80	34.00

Remitting from Canada to Jamaica

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

See prices in CAD | USD

216540

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
iKobo	MTO	11.50	0.00	5.32	11.49	Less than one hour	Nationwide	Aug 28, 2005
Senvia	MTO	9.00	2.67	6.84	14.77	Less than one hour	Nationwide	Aug 26, 2009
MoneyGram	MTO	15.00	1.26	8.21	17.73	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	11.16	3.12	8.28	17.88	Less than one hour	Nationwide	Aug 26, 2009
JNBS	MTO	12.00	3.92	9.48	20.48	Less than one hour	Nationwide	Aug 26, 2009
VMBS	MTO/Building Society	7.00	6.62	9.86	21.30	Less than one hour	Nationwide	Aug 26, 2009
Western Union	MTO	16.99	3.12	10.98	23.72	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	12.50	5.68	11.46	24.75	3-5 days	Nationwide	Aug 26, 2009
Western Union	MTO	20.00	3.12	12.38	26.74	Less than one hour	Nationwide	Aug 26, 2009
Toronto Dominion Bank	Bank	30.00	0.00	13.89	30.00	3-5 days	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	13.50	15.32	21.57	46.59	3-5 days	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	15.00	15.32	22.26	48.08	3-5 days	Nationwide	Aug 26, 2009
Bank Average		16.43	7.89	15.49	33.46
MTO Average		14.08	2.35	8.87	19.16
MTO/Building Society Average		7.00	6.62	9.86	21.30
Total Average		14.47	5.01	11.71	25.29
Total Average in First Quarter 2009		16.69	5.68	14.02	30.28

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
iKobo	MTO	21.25	0.00	4.25	22.95	Less than one hour	Nationwide	Aug 28, 2005
Senvia	MTO	10.00	2.67	4.67	25.22	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	14.40	3.12	6.00	32.40	Less than one hour	Nationwide	Aug 26, 2009
Toronto Dominion Bank	Bank	30.00	0.00	6.00	32.40	3-5 days	Nationwide	Aug 26, 2009
MoneyGram	MTO	25.00	1.28	6.28	33.91	Less than one hour	Nationwide	Aug 26, 2009
JNBS	MTO	20.00	2.70	6.70	36.18	Less than one hour	Nationwide	Aug 26, 2009
VMBS	MTO/Building Society	7.00	6.62	8.02	43.31	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	12.50	5.68	8.18	44.17	3-5 days	Nationwide	Aug 26, 2009
Western Union	MTO	33.00	3.12	9.72	52.49	Less than one hour	Nationwide	Aug 26, 2009
Western Union	MTO	35.00	3.12	10.12	54.65	Less than one hour	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	13.50	15.32	18.02	97.31	3-5 days	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	15.00	15.32	18.32	98.93	3-5 days	Nationwide	Aug 26, 2009
Bank Average		17.08	7.89	11.30	61.02
MTO Average		24.04	2.15	6.96	37.58
MTO/Building Society Average		7.00	6.62	8.02	43.31
Total Average		19.72	4.91	8.85	47.79
Total Average in First Quarter 2009		19.94	5.68	9.66	52.16

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
iKobo	MTO	11.50	0.00	5.32	10.64	Less than one hour	Nationwide	Aug 28, 2005
Senvia	MTO	8.33	2.67	6.84	13.68	Less than one hour	Nationwide	Aug 26, 2009
MoneyGram	MTO	13.89	1.26	8.21	16.42	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	10.33	3.12	8.28	16.56	Less than one hour	Nationwide	Aug 26, 2009
JNBS	MTO	11.11	3.92	9.48	18.96	Less than one hour	Nationwide	Aug 26, 2009
VMBS	MTO/Building Society	6.48	6.62	9.86	19.72	Less than one hour	Nationwide	Aug 26, 2009
Western Union	MTO	15.73	3.12	10.98	21.96	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	11.57	5.68	11.46	22.92	3-5 days	Nationwide	Aug 26, 2009
Western Union	MTO	18.52	3.12	12.38	24.76	Less than one hour	Nationwide	Aug 26, 2009
Toronto Dominion Bank	Bank	27.78	0.00	13.89	27.78	3-5 days	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	12.50	15.32	21.57	43.14	3-5 days	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	13.89	15.32	22.26	44.52	3-5 days	Nationwide	Aug 26, 2009
Bank Average		15.21	7.89	15.49	30.98
MTO Average		13.18	2.35	8.87	17.74
MTO/Building Society Average		6.48	6.62	9.86	19.72
Total Average		13.47	5.01	11.71	23.42
Total Average in First Quarter 2009		16.69	5.68	14.02	28.04

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
iKobo	MTO	21.25	0.00	4.25	21.25	Less than one hour	Nationwide	Aug 28, 2005
Senvia	MTO	9.26	2.67	4.67	23.35	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	13.33	3.12	6.00	30.00	Less than one hour	Nationwide	Aug 26, 2009
Toronto Dominion Bank	Bank	27.78	0.00	6.00	30.00	3-5 days	Nationwide	Aug 26, 2009
MoneyGram	MTO	23.15	1.28	6.28	31.40	Less than one hour	Nationwide	Aug 26, 2009
JNBS	MTO	18.52	2.70	6.70	33.50	Less than one hour	Nationwide	Aug 26, 2009
VMBS	MTO/Building Society	6.48	6.62	8.02	40.10	Less than one hour	Nationwide	Aug 26, 2009
ScotiaBank	Bank	11.57	5.68	8.18	40.90	3-5 days	Nationwide	Aug 26, 2009
Western Union	MTO	30.56	3.12	9.72	48.60	Less than one hour	Nationwide	Aug 26, 2009
Western Union	MTO	32.41	3.12	10.12	50.60	Less than one hour	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	12.50	15.32	18.02	90.10	3-5 days	Nationwide	Aug 26, 2009
Royal Bank of Canada	Bank	13.89	15.32	18.32	91.60	3-5 days	Nationwide	Aug 26, 2009
Bank Average		15.81	7.89	11.30	56.50
MTO Average		22.52	2.15	6.96	34.80
MTO/Building Society Average		6.48	6.62	8.02	40.10
Total Average		18.39	4.91	8.85	44.25
Total Average in First Quarter 2009		19.94	5.68	9.66	48.30

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	-1.36	4.89	9.78	3-5 days	Nationwide	Feb 12, 2009
Senvia	MTO	10.00	1.55	6.55	13.10	Same day	Nationwide	Feb 12, 2009
JNBS	MTO	9.00	3.96	8.46	16.92	Less than one hour	Nationwide	Feb 12, 2009
MoneyGram	MTO	15.00	1.55	9.05	18.10	Less than one hour	Nationwide	Feb 12, 2009
VMBS	MTO/Building Society	7.00	5.80	9.30	18.60	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	14.99	3.69	11.19	22.38	Less than one hour	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	4.92	19.92	39.84	3-5 days	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	25.31	42.81	85.62	3-5 days	Nationwide	Feb 12, 2009
Bank Average		25.83	9.62	22.54	45.08
MTO Average		12.25	2.69	8.81	17.62
MTO/Building Society Average		7.00	5.80	9.30	18.60
Total Average		16.69	5.68	14.02	28.04
Total Average in 2008		16.81	5.70	14.11	28.22

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	-1.36	1.14	5.70	3-5 days	Nationwide	Feb 12, 2009
Senvia	MTO	13.00	1.55	4.15	20.75	Same day	Nationwide	Feb 12, 2009
MoneyGram	MTO	20.00	1.55	5.55	27.75	Less than one hour	Nationwide	Feb 12, 2009
JNBS	MTO	15.00	3.96	6.96	34.80	Less than one hour	Nationwide	Feb 12, 2009
VMBS	MTO/Building Society	7.00	5.80	7.20	36.00	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	26.99	3.69	9.09	45.45	Less than one hour	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	4.92	10.92	54.60	3-5 days	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	25.31	32.31	161.55	3-5 days	Nationwide	Feb 12, 2009
Bank Average		25.83	9.62	14.79	73.95
MTO Average		18.75	2.69	6.44	32.20
MTO/Building Society Average		7.00	5.80	7.20	36.00
Total Average		19.94	5.68	9.66	48.30
Total Average in 2008		22.12	5.70	10.13	50.65

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	-1.36	4.89	9.78	3-5 days	Nationwide	Feb 12, 2009
Senvia	MTO	10.00	1.55	6.55	13.10	Same day	Nationwide	Feb 12, 2009
JNBS	MTO	9.00	3.96	8.46	16.92	Less than one hour	Nationwide	Feb 12, 2009
MoneyGram	MTO	15.00	1.55	9.05	18.10	Less than one hour	Nationwide	Feb 12, 2009
VMBS	MTO/Building Society	7.00	5.80	9.30	18.60	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	14.99	3.69	11.19	22.38	Less than one hour	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	4.92	19.92	39.84	3-5 days	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	25.31	42.81	85.62	3-5 days	Nationwide	Feb 12, 2009
Bank Average		25.83	9.62	22.54	45.08
MTO Average		12.25	2.69	8.81	17.62
MTO/Building Society Average		7.00	5.80	9.30	18.60
Total Average		16.69	5.68	14.02	28.04
Total Average in 2008		16.81	5.70	14.11	28.22

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	-1.36	1.14	5.70	3-5 days	Nationwide	Feb 12, 2009
Senvia	MTO	13.00	1.55	4.15	20.75	Same day	Nationwide	Feb 12, 2009
MoneyGram	MTO	20.00	1.55	5.55	27.75	Less than one hour	Nationwide	Feb 12, 2009
JNBS	MTO	15.00	3.96	6.96	34.80	Less than one hour	Nationwide	Feb 12, 2009
VMBS	MTO/Building Society	7.00	5.80	7.20	36.00	Less than one hour	Nationwide	Feb 12, 2009
Western Union	MTO	26.99	3.69	9.09	45.45	Less than one hour	Nationwide	Feb 12, 2009
Toronto Dominion Bank	Bank	30.00	4.92	10.92	54.60	3-5 days	Nationwide	Feb 12, 2009
Royal Bank of Canada	Bank	35.00	25.31	32.31	161.55	3-5 days	Nationwide	Feb 12, 2009
Bank Average		25.83	9.62	14.79	73.95
MTO Average		18.75	2.69	6.44	32.20
MTO/Building Society Average		7.00	5.80	7.20	36.00
Total Average		19.94	5.68	9.66	48.30
Total Average in 2008		22.12	5.70	10.13	50.65

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Senvia	MTO	7.00	2.01	5.51	11.02	Same day	-	May 20, 2008
VMBS	MTO/Building Society	7.00	2.22	5.72	11.44	Instant	-	May 20, 2008
JNBS	MTO	9.00	1.87	6.37	12.74	15 mins	-	May 20, 2008
MoneyGram	MTO	15.00	2.66	10.16	20.32	Instant	-	May 20, 2008
Toronto Dominion Bank	Bank	7.00	10.39	13.89	27.78	3-5 days- electronic	-	May 20, 2008
Western Union	MTO	27.00	1.47	14.97	29.94	Instant	-	May 20, 2008
ScotiaBank	Bank	20.50	5.08	15.33	30.66	3-5 days- electronic	-	May 20, 2008
Royal Bank of Canada	Bank	42.00	19.91	40.91	81.82	3-5 days- electronic	-	May 20, 2008
Bank Average		23.17	11.79	23.38	46.76
MTO Average		14.50	2.00	9.25	18.50
MTO/Building Society Average		7.00	2.22	5.72	11.44
Total Average		16.81	5.70	14.11	28.22
First Quarter 2009		16.69	5.68	14.02	28.04

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
VMBS	MTO/Building Society	7.00	2.22	3.62	18.10	Instant	-	May 20, 2008
JNBS	MTO	12.00	1.87	4.27	21.35	15 mins	-	May 20, 2008
Senvia	MTO	17.50	2.01	5.51	27.55	Same day	-	May 20, 2008
MoneyGram	MTO	20.00	2.66	6.66	33.30	Instant	-	May 20, 2008
ScotiaBank	Bank	20.50	5.08	9.18	45.90	3-5 days- electronic	-	May 20, 2008
Western Union	MTO	51.00	1.47	11.67	58.35	Instant	-	May 20, 2008
Toronto Dominion Bank	Bank	7.00	10.39	11.79	58.95	3-5 days- electronic	-	May 20, 2008
Royal Bank of Canada	Bank	42.00	19.91	28.31	141.55	3-5 days- electronic	-	May 20, 2008
Bank Average		23.17	11.79	16.43	82.15
MTO Average		25.12	2.00	7.03	35.15
MTO/Building Society Average		7.00	2.22	3.62	18.10
Total Average		22.12	5.70	10.13	50.65
First Quarter 2009		19.94	5.68	9.66	48.30

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Senvia	MTO	7.00	2.01	5.51	11.02	Same day	-	May 20, 2008
VMBS	MTO/Building Society	7.00	2.22	5.72	11.44	Instant	-	May 20, 2008
JNBS	MTO	9.00	1.87	6.37	12.74	15 mins	-	May 20, 2008
MoneyGram	MTO	15.00	2.66	10.16	20.32	Instant	-	May 20, 2008
Toronto Dominion Bank	Bank	7.00	10.39	13.89	27.78	3-5 days- electronic	-	May 20, 2008
Western Union	MTO	27.00	1.47	14.97	29.94	Instant	-	May 20, 2008
ScotiaBank	Bank	20.50	5.08	15.33	30.66	3-5 days- electronic	-	May 20, 2008
Royal Bank of Canada	Bank	42.00	19.91	40.91	81.82	3-5 days- electronic	-	May 20, 2008
Bank Average		23.17	11.79	23.38	46.76
MTO Average		14.50	2.00	9.25	18.50
MTO/Building Society Average		7.00	2.22	5.72	11.44
Total Average		16.81	5.70	14.11	28.22
First Quarter 2009		16.69	5.68	14.02	28.04

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
VMBS	MTO/Building Society	7.00	2.22	3.62	18.10	Instant	-	May 20, 2008
JNBS	MTO	12.00	1.87	4.27	21.35	15 mins	-	May 20, 2008
Senvia	MTO	17.50	2.01	5.51	27.55	Same day	-	May 20, 2008
MoneyGram	MTO	20.00	2.66	6.66	33.30	Instant	-	May 20, 2008
ScotiaBank	Bank	20.50	5.08	9.18	45.90	3-5 days- electronic	-	May 20, 2008
Western Union	MTO	51.00	1.47	11.67	58.35	Instant	-	May 20, 2008
Toronto Dominion Bank	Bank	7.00	10.39	11.79	58.95	3-5 days- electronic	-	May 20, 2008
Royal Bank of Canada	Bank	42.00	19.91	28.31	141.55	3-5 days- electronic	-	May 20, 2008
Bank Average		23.17	11.79	16.43	82.15
MTO Average		25.12	2.00	7.03	35.15
MTO/Building Society Average		7.00	2.22	3.62	18.10
Total Average		22.12	5.70	10.13	50.65
First Quarter 2009		19.94	5.68	9.66	48.30

Remitting from Canada to Philippines

Collection period for Third quarter 2009

See prices in CAD | USD

216540

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Metro Remittance	MTO	8.00	0.36	4.06	8.77	Less than one hour	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	10.00	0.02	4.65	10.04	Same day	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	10.00	0.02	4.65	10.04	Same day	Nationwide	Aug 28, 2009
iKobo	MTO	11.50	0.00	5.32	11.49	Less than one hour	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	12.00	0.02	5.58	12.05	Next day	Nationwide	Aug 28, 2009
ScotiaBank*	Bank	12.50	*0.00	*5.79	*12.51	3-5 days	Nationwide	Aug 28, 2009
ScotiaBank	Bank	11.16	0.97	6.13	13.24	Less than one hour	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	12.00	1.15	6.70	14.47	2 days	Main city	Aug 28, 2009
Western Union	MTO	14.00	0.97	7.45	16.09	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	14.00	0.97	7.45	16.09	Less than one hour	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	14.00	1.15	7.63	16.48	3-5 days	Rural only	Aug 28, 2009
MoneyGram	MTO	15.00	1.37	8.32	17.97	Next day	Nationwide	Aug 28, 2009
MoneyGram	MTO	15.00	2.12	9.06	19.57	Less than one hour	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	30.00	6.19	20.08	43.37	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	15.00	16.62	23.56	50.89	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	35.00	16.62	32.82	70.89	3-5 days	Nationwide	Aug 28, 2009
Bank Average		18.52	6.10	14.67	31.69
MTO Average		12.17	0.65	6.28	13.56
Total Average		14.95	3.03	9.95	21.49

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
Metro Remittance	MTO	8.00	0.36	1.96	10.58	Less than one hour	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	10.00	0.02	2.02	10.91	Same day	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	10.00	0.02	2.02	10.91	Same day	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	12.00	0.02	2.42	13.07	Next day	Nationwide	Aug 28, 2009
ScotiaBank*	Bank	12.50	*0.00	*2.50	*13.50	3-5 days	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	12.00	1.15	3.55	19.17	2 days	Main city	Aug 28, 2009
ScotiaBank	Bank	14.40	0.97	3.85	20.79	Less than one hour	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	14.00	1.15	3.95	21.33	3-5 days	Rural only	Aug 28, 2009
iKobo	MTO	21.25	0.00	4.25	22.95	Less than one hour	Nationwide	Aug 28, 2009
MoneyGram	MTO	14.99	1.37	4.37	23.60	Next day	Nationwide	Aug 28, 2009
Western Union	MTO	18.90	0.97	4.75	25.65	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	18.90	0.97	4.75	25.65	Less than one hour	Nationwide	Aug 28, 2009
MoneyGram	MTO	25.00	2.12	7.12	38.45	Less than one hour	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	30.00	6.19	12.19	65.83	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	15.00	16.62	19.62	105.95	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	35.00	16.62	23.62	127.55	3-5 days	Nationwide	Aug 28, 2009
Bank Average		18.99	6.10	9.90	53.46
MTO Average		15.45	0.65	3.74	20.20
Total Average		17.00	3.03	6.43	34.72

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
Metro Remittance	MTO	7.41	0.36	4.06	8.12	Less than one hour	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	9.26	0.02	4.65	9.30	Same day	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	9.26	0.02	4.65	9.30	Same day	Nationwide	Aug 28, 2009
iKobo	MTO	11.50	0.00	5.32	10.64	Less than one hour	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	11.11	0.02	5.58	11.16	Next day	Nationwide	Aug 28, 2009
ScotiaBank*	Bank	11.57	*0.00	*5.79	*11.58	3-5 days	Nationwide	Aug 28, 2009
ScotiaBank	Bank	10.33	0.97	6.13	12.26	Less than one hour	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	11.11	1.15	6.70	13.40	2 days	Main city	Aug 28, 2009
Western Union	MTO	12.96	0.97	7.45	14.90	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	12.96	0.97	7.45	14.90	Less than one hour	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	12.96	1.15	7.63	15.26	3-5 days	Rural only	Aug 28, 2009
MoneyGram	MTO	13.89	1.37	8.32	16.64	Next day	Nationwide	Aug 28, 2009
MoneyGram	MTO	13.89	2.12	9.06	18.12	Less than one hour	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	27.78	6.19	20.08	40.16	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	13.89	16.62	23.56	47.12	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	32.41	16.62	32.82	65.64	3-5 days	Nationwide	Aug 28, 2009
Bank Average		17.15	6.10	14.67	29.34
MTO Average		11.36	0.65	6.28	12.56
Total Average		13.89	3.03	9.95	19.90

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Metro Remittance	MTO	7.41	0.36	1.96	9.80	Less than one hour	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	9.26	0.02	2.02	10.10	Same day	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	9.26	0.02	2.02	10.10	Same day	Nationwide	Aug 28, 2009
Iremit - Canada	MTO	11.11	0.02	2.42	12.10	Next day	Nationwide	Aug 28, 2009
ScotiaBank*	Bank	11.57	*0.00	*2.50	*12.50	3-5 days	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	11.11	1.15	3.55	17.75	2 days	Main city	Aug 28, 2009
ScotiaBank	Bank	13.33	0.97	3.85	19.25	Less than one hour	Nationwide	Aug 28, 2009
PNB Global Remit	Bank	12.96	1.15	3.95	19.75	3-5 days	Rural only	Aug 28, 2009
iKobo	MTO	21.25	0.00	4.25	21.25	Less than one hour	Nationwide	Aug 28, 2009
MoneyGram	MTO	13.88	1.37	4.37	21.85	Next day	Nationwide	Aug 28, 2009
Western Union	MTO	17.50	0.97	4.75	23.75	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	17.50	0.97	4.75	23.75	Less than one hour	Nationwide	Aug 28, 2009
MoneyGram	MTO	23.15	2.12	7.12	35.60	Less than one hour	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	27.78	6.19	12.19	60.95	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	13.89	16.62	19.62	98.10	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	32.41	16.62	23.62	118.10	3-5 days	Nationwide	Aug 28, 2009
Bank Average		17.58	6.10	9.90	49.50
MTO Average		14.48	0.65	3.74	18.70
Total Average		15.84	3.03	6.43	32.15

Corridor note

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

Remitting from Canada to Vietnam

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

See prices in CAD | USD

216540

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	8.64	0.00	4.00	8.64	Next day	Nationwide	Aug 28, 2009
LeGoiTienLe	MTO	8.64	0.00	4.00	8.64	3-5 days	Nationwide	Aug 28, 2009
iKobo	MTO	11.50	0.00	5.32	11.49	Less than one hour	Nationwide	Aug 28, 2009
ScotiaBank	Bank	11.16	1.71	6.87	14.84	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	12.00	1.71	7.26	15.68	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	12.00	1.71	7.26	15.68	Less than one hour	Nationwide	Aug 28, 2009
ScotiaBank	Bank	12.50	2.20	7.98	17.24	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	15.00	2.20	9.14	19.74	3-5 days	Nationwide	Aug 28, 2009
MoneyGram	MTO	15.00	3.30	10.24	22.12	Less than one hour	Nationwide	Aug 28, 2009
Bank of Montreal	Bank	25.00	2.20	13.77	29.74	3-5 days	Nationwide	Aug 28, 2009
CIBC	Bank	30.00	2.20	16.09	34.75	3-5 days	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	30.00	2.20	16.09	34.75	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	35.00	2.20	18.40	39.74	3-5 days	Nationwide	Aug 28, 2009
Bank Average		22.67	2.13	12.62	27.26
MTO Average		11.30	1.12	6.35	13.72
Total Average		17.42	1.66	9.73	21.02
Total Average in First Quarter 2009		22.19	1.22	12.31	26.59

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
iKobo	MTO	21.25	0.00	4.25	22.95	Less than one hour	Nationwide	Aug 28, 2009
LeGoiTienLe	MTO	21.60	0.00	4.32	23.33	Next day	Nationwide	Aug 28, 2009
LeGoiTienLe	MTO	21.60	0.00	4.32	23.33	3-5 days	Nationwide	Aug 28, 2009
ScotiaBank	Bank	14.40	1.71	4.59	24.79	Less than one hour	Nationwide	Aug 28, 2009
ScotiaBank	Bank	12.50	2.20	4.70	25.38	3-5 days	Nationwide	Aug 28, 2009
Western Union	MTO	16.20	1.71	4.95	26.73	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	16.20	1.71	4.95	26.73	Less than one hour	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	15.00	2.20	5.20	28.08	3-5 days	Nationwide	Aug 28, 2009
Bank of Montreal	Bank	25.00	2.20	7.20	38.88	3-5 days	Nationwide	Aug 28, 2009
CIBC	Bank	30.00	2.20	8.20	44.28	3-5 days	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	30.00	2.20	8.20	44.28	3-5 days	Nationwide	Aug 28, 2009
MoneyGram	MTO	25.00	3.30	8.30	44.82	Less than one hour	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	35.00	2.20	9.20	49.68	3-5 days	Nationwide	Aug 28, 2009
Bank Average		23.13	2.13	6.75	36.45
MTO Average		20.31	1.12	5.18	27.97
Total Average		21.83	1.66	6.03	32.56
Total Average in First Quarter 2009		24.69	1.22	6.15	33.21

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	8.00	0.00	4.00	8.00	Next day	Nationwide	Aug 28, 2009
LeGoiTienLe	MTO	8.00	0.00	4.00	8.00	3-5 days	Nationwide	Aug 28, 2009
iKobo	MTO	11.50	0.00	5.32	10.64	Less than one hour	Nationwide	Aug 28, 2009
ScotiaBank	Bank	10.33	1.71	6.87	13.74	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	11.11	1.71	7.26	14.52	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	11.11	1.71	7.26	14.52	Less than one hour	Nationwide	Aug 28, 2009
ScotiaBank	Bank	11.57	2.20	7.98	15.96	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	13.89	2.20	9.14	18.28	3-5 days	Nationwide	Aug 28, 2009
MoneyGram	MTO	13.89	3.30	10.24	20.48	Less than one hour	Nationwide	Aug 28, 2009
Bank of Montreal	Bank	23.15	2.20	13.77	27.54	3-5 days	Nationwide	Aug 28, 2009
CIBC	Bank	27.78	2.20	16.09	32.18	3-5 days	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	27.78	2.20	16.09	32.18	3-5 days	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	32.41	2.20	18.40	36.80	3-5 days	Nationwide	Aug 28, 2009
Bank Average		20.99	2.13	12.62	25.24
MTO Average		10.60	1.12	6.35	12.70
Total Average		16.19	1.66	9.73	19.46
Total Average in First Quarter 2009		22.19	1.22	12.31	24.62

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
iKobo	MTO	21.25	0.00	4.25	21.25	Less than one hour	Nationwide	Aug 28, 2009
LeGoiTienLe	MTO	20.00	0.00	4.32	21.60	Next day	Nationwide	Aug 28, 2009
LeGoiTienLe	MTO	20.00	0.00	4.32	21.60	3-5 days	Nationwide	Aug 28, 2009
ScotiaBank	Bank	13.33	1.71	4.59	22.95	Less than one hour	Nationwide	Aug 28, 2009
ScotiaBank	Bank	11.57	2.20	4.70	23.50	3-5 days	Nationwide	Aug 28, 2009
Western Union	MTO	15.00	1.71	4.95	24.75	Less than one hour	Nationwide	Aug 28, 2009
Western Union	MTO	15.00	1.71	4.95	24.75	Less than one hour	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	13.89	2.20	5.20	26.00	3-5 days	Nationwide	Aug 28, 2009
Bank of Montreal	Bank	23.15	2.20	7.20	36.00	3-5 days	Nationwide	Aug 28, 2009
CIBC	Bank	27.78	2.20	8.20	41.00	3-5 days	Nationwide	Aug 28, 2009
Toronto Dominion Bank	Bank	27.78	2.20	8.20	41.00	3-5 days	Nationwide	Aug 28, 2009
MoneyGram	MTO	23.15	3.30	8.30	41.50	Less than one hour	Nationwide	Aug 28, 2009
Royal Bank of Canada	Bank	32.41	2.20	9.20	46.00	3-5 days	Nationwide	Aug 28, 2009
Bank Average		21.42	2.13	6.75	33.75
MTO Average		19.07	1.12	5.18	25.90
Total Average		20.33	1.66	6.03	30.15
Total Average in First Quarter 2009		24.69	1.22	6.15	30.75

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	8.00	0.00	4.00	8.00	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	12.00	1.00	7.00	14.00	Less than one hour	Nationwide	Feb 13, 2009
ScotiaBank	Bank	12.50	1.25	7.50	15.00	3-5 days	Nationwide	Feb 13, 2009
MoneyGram	MTO	15.00	2.50	10.00	20.00	Less than one hour	Nationwide	Feb 13, 2009
Toronto Dominion Bank	Bank	30.00	-0.01	14.99	29.98	3-5 days	Nationwide	Feb 13, 2009
Royal Bank of Canada	Bank	35.00	0.00	17.50	35.00	3-5 days	Nationwide	Feb 13, 2009
Bank of Montreal	Bank	35.00	1.25	18.75	37.50	3-5 days	Nationwide	Feb 13, 2009
CIBC	Bank	30.00	3.75	18.75	37.50	3-5 days	Nationwide	Feb 13, 2009
Bank Average		28.50	1.25	15.50	31.00
MTO Average		11.67	1.17	7.00	14.00
Total Average		22.19	1.22	12.31	24.62
Total Average in 2008		26.25	1.44	14.57	29.14

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	1.25	3.75	18.75	3-5 days	Nationwide	Feb 13, 2009
LeGoiTienLe	MTO	20.00	0.00	4.00	20.00	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	15.00	1.00	4.00	20.00	Less than one hour	Nationwide	Feb 13, 2009
Toronto Dominion Bank	Bank	30.00	-0.01	5.99	29.95	3-5 days	Nationwide	Feb 13, 2009
MoneyGram	MTO	20.00	2.50	6.50	32.50	Less than one hour	Nationwide	Feb 13, 2009
Royal Bank of Canada	Bank	35.00	0.00	7.00	35.00	3-5 days	Nationwide	Feb 13, 2009
Bank of Montreal	Bank	35.00	1.25	8.25	41.25	3-5 days	Nationwide	Feb 13, 2009
CIBC	Bank	30.00	3.75	9.75	48.75	3-5 days	Nationwide	Feb 13, 2009
Bank Average		28.50	1.25	6.95	34.75
MTO Average		18.33	1.17	4.83	24.15
Total Average		24.69	1.22	6.15	30.75
Total Average in 2008		28.12	1.35	6.98	34.90

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	8.00	0.00	4.00	8.00	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	12.00	1.00	7.00	14.00	Less than one hour	Nationwide	Feb 13, 2009
ScotiaBank	Bank	12.50	1.25	7.50	15.00	3-5 days	Nationwide	Feb 13, 2009
MoneyGram	MTO	15.00	2.50	10.00	20.00	Less than one hour	Nationwide	Feb 13, 2009
Toronto Dominion Bank	Bank	30.00	-0.01	14.99	29.98	3-5 days	Nationwide	Feb 13, 2009
Royal Bank of Canada	Bank	35.00	0.00	17.50	35.00	3-5 days	Nationwide	Feb 13, 2009
Bank of Montreal	Bank	35.00	1.25	18.75	37.50	3-5 days	Nationwide	Feb 13, 2009
CIBC	Bank	30.00	3.75	18.75	37.50	3-5 days	Nationwide	Feb 13, 2009
Bank Average		28.50	1.25	15.50	31.00
MTO Average		11.67	1.17	7.00	14.00
Total Average		22.19	1.22	12.31	24.62
Total Average in 2008		26.25	1.44	14.57	29.14

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ScotiaBank	Bank	12.50	1.25	3.75	18.75	3-5 days	Nationwide	Feb 13, 2009
LeGoiTienLe	MTO	20.00	0.00	4.00	20.00	Same day	Nationwide	Feb 13, 2009
Western Union	MTO	15.00	1.00	4.00	20.00	Less than one hour	Nationwide	Feb 13, 2009
Toronto Dominion Bank	Bank	30.00	-0.01	5.99	29.95	3-5 days	Nationwide	Feb 13, 2009
MoneyGram	MTO	20.00	2.50	6.50	32.50	Less than one hour	Nationwide	Feb 13, 2009
Royal Bank of Canada	Bank	35.00	0.00	7.00	35.00	3-5 days	Nationwide	Feb 13, 2009
Bank of Montreal	Bank	35.00	1.25	8.25	41.25	3-5 days	Nationwide	Feb 13, 2009
CIBC	Bank	30.00	3.75	9.75	48.75	3-5 days	Nationwide	Feb 13, 2009
Bank Average		28.50	1.25	6.95	34.75
MTO Average		18.33	1.17	4.83	24.15
Total Average		24.69	1.22	6.15	30.75
Total Average in 2008		28.12	1.35	6.98	34.90

200500

				Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	5.00	2.20	4.70	9.40	Saigon - within 24 hours, other regions - up to 3 days	-	May 21, 2008
Western Union	MTO	15.00	0.18	7.68	15.36	Instant	-	May 21, 2008
MoneyGram	MTO	15.00	2.20	9.70	19.40	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	15.18	30.36	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	35.00	0.18	17.68	35.36	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	18.21	36.42	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	20.71	41.42	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	0.18	22.68	45.36	3-5 days- electronic	-	May 21, 2008
Bank Average		35.00	1.39	18.89	37.78
MTO Average		11.67	1.53	7.36	14.72
Total Average		26.25	1.44	14.57	29.14
First Quarter 2009		22.19	1.22	12.31	24.62

	Total cost
Firm name	Firm type	Fee (CAD)	Exchange rate margin (%)	Percent (%)	CAD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	5.00	2.20	3.20	16.00	Saigon - within 24 hours, other regions - up to 3 days	-	May 21, 2008
Western Union	MTO	25.00	0.18	5.18	25.90	Instant	-	May 21, 2008
MoneyGram	MTO	20.00	1.49	5.49	27.45	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	6.18	30.90	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	35.00	0.18	7.18	35.90	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	0.18	9.18	45.90	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	9.21	46.05	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	10.21	51.05	3-5 days- electronic	-	May 21, 2008
Bank Average		35.00	1.39	8.39	41.95
MTO Average		16.67	1.29	4.62	23.10
Total Average		28.12	1.35	6.98	34.90
First Quarter 2009		24.69	1.22	6.15	30.75

Corridor note

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
LeGoiTienLe	MTO	5.00	2.20	4.70	9.40	Saigon - within 24 hours, other regions - up to 3 days	-	May 21, 2008
Western Union	MTO	15.00	0.18	7.68	15.36	Instant	-	May 21, 2008
MoneyGram	MTO	15.00	2.20	9.70	19.40	Instant	-	May 21, 2008
Toronto Dominion Bank	Bank	30.00	0.18	15.18	30.36	3-5 days- electronic	-	May 21, 2008
ScotiaBank	Bank	35.00	0.18	17.68	35.36	3-5 days- electronic	-	May 21, 2008
CIBC	Bank	30.00	3.21	18.21	36.42	3-5 days- electronic	-	May 21, 2008
Bank of Montreal	Bank	35.00	3.21	20.71	41.42	3-5 days- electronic	-	May 21, 2008
Royal Bank of Canada	Bank	45.00	0.18	22.68	45.36	3-5 days- electronic	-	May 21, 2008
Bank Average		35.00	1.39	18.89	37.78
MTO Average		11.67	1.53	7.36	14.72
Total Average		26.25	1.44	14.57	29.14
First Quarter 2009		22.19	1.22	12.31	24.62

Corridor note