Germany

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

- Bosnia and Herzegovina
- China
- Croatia
- India
- Lebanon
- Morocco
- Romania
- Serbia
- Turkey

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

How much does it cost to remit?

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Find out by selecting sending and receiving countries below:

Remitting from Germany to Bosnia and Herzegovina

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
Postbank	Bank	8.50	0.00	6.07	8.50	3-5 days	Nationwide	Sep 18, 2009
Berliner Volksbank	Bank	10.00	0.00	7.14	10.00	6 days or more	Nationwide	Sep 18, 2009
MoneyGram	MTO	13.00	0.00	9.29	13.01	Less than one hour	Nationwide	Sep 18, 2009
SEB	Bank	14.50	0.00	10.36	14.50	6 days or more	Nationwide	Sep 18, 2009
Western Union	MTO	14.50	0.00	10.36	14.50	Less than one hour	Nationwide	Sep 18, 2009
HypoVereinsbank	Bank	25.00	0.00	17.86	25.00	6 days or more	Nationwide	Sep 18, 2009
Sparkasse KolnBonn	Bank	25.00	0.00	17.86	25.00	6 days or more	Nationwide	Sep 18, 2009
Western Union	MTO	26.00	0.00	18.57	26.00	Less than one hour	Nationwide	Sep 18, 2009
Stadtsparkasse Munchen	Bank	39.00	0.00	27.86	39.00	6 days or more	Nationwide	Sep 18, 2009
Bank Average		20.33	0.00	14.52	20.33
MTO Average		17.83	0.00	12.74	17.84
Total Average		19.50	0.00	13.93	19.50
Total Average in First Quarter 2009		19.45	0.36	14.76	20.66

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	8.00	0.00	2.29	8.02	3-5 days	Nationwide	Sep 18, 2009
Berliner Volksbank	Bank	10.00	0.00	2.86	10.01	6 days or more	Nationwide	Sep 18, 2009
SEB	Bank	14.50	0.00	4.14	14.49	6 days or more	Nationwide	Sep 18, 2009
MoneyGram	MTO	23.50	0.00	6.71	23.48	Less than one hour	Nationwide	Sep 18, 2009
HypoVereinsbank	Bank	25.00	0.00	7.14	24.99	6 days or more	Nationwide	Sep 18, 2009
Sparkasse KolnBonn	Bank	25.00	0.00	7.14	24.99	6 days or more	Nationwide	Sep 18, 2009
Western Union	MTO	26.00	0.00	7.43	26.00	Less than one hour	Nationwide	Sep 18, 2009
Western Union	MTO	26.50	0.00	7.57	26.50	Less than one hour	Nationwide	Sep 18, 2009
Stadtsparkasse Munchen	Bank	29.00	0.00	8.29	29.01	6 days or more	Nationwide	Sep 18, 2009
Bank Average		18.58	0.00	5.31	18.58
MTO Average		25.33	0.00	7.24	25.34
Total Average		20.83	0.00	5.95	20.82
Total Average in First Quarter 2009		20.55	0.36	6.58	23.03

Corridor note

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

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	12.14	0.00	6.07	12.14	3-5 days	Nationwide	Sep 18, 2009
Berliner Volksbank	Bank	14.29	0.00	7.14	14.28	6 days or more	Nationwide	Sep 18, 2009
MoneyGram	MTO	18.57	0.00	9.29	18.58	Less than one hour	Nationwide	Sep 18, 2009
SEB	Bank	20.71	0.00	10.36	20.72	6 days or more	Nationwide	Sep 18, 2009
Western Union	MTO	20.71	0.00	10.36	20.72	Less than one hour	Nationwide	Sep 18, 2009
HypoVereinsbank	Bank	35.71	0.00	17.86	35.72	6 days or more	Nationwide	Sep 18, 2009
Sparkasse KolnBonn	Bank	35.71	0.00	17.86	35.72	6 days or more	Nationwide	Sep 18, 2009
Western Union	MTO	37.14	0.00	18.57	37.14	Less than one hour	Nationwide	Sep 18, 2009
Stadtsparkasse Munchen	Bank	55.71	0.00	27.86	55.72	6 days or more	Nationwide	Sep 18, 2009
Bank Average		29.05	0.00	14.52	29.04
MTO Average		25.48	0.00	12.74	25.48
Total Average		27.86	0.00	13.93	27.86
Total Average in First Quarter 2009		28.81	0.36	14.76	29.52

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	11.43	0.00	2.29	11.45	3-5 days	Nationwide	Sep 18, 2009
Berliner Volksbank	Bank	14.29	0.00	2.86	14.30	6 days or more	Nationwide	Sep 18, 2009
SEB	Bank	20.71	0.00	4.14	20.70	6 days or more	Nationwide	Sep 18, 2009
MoneyGram	MTO	33.57	0.00	6.71	33.55	Less than one hour	Nationwide	Sep 18, 2009
HypoVereinsbank	Bank	35.71	0.00	7.14	35.70	6 days or more	Nationwide	Sep 18, 2009
Sparkasse KolnBonn	Bank	35.71	0.00	7.14	35.70	6 days or more	Nationwide	Sep 18, 2009
Western Union	MTO	37.14	0.00	7.43	37.15	Less than one hour	Nationwide	Sep 18, 2009
Western Union	MTO	37.86	0.00	7.57	37.85	Less than one hour	Nationwide	Sep 18, 2009
Stadtsparkasse Munchen	Bank	41.43	0.00	8.29	41.45	6 days or more	Nationwide	Sep 18, 2009
Bank Average		26.55	0.00	5.31	26.55
MTO Average		36.19	0.00	7.24	36.20
Total Average		29.76	0.00	5.95	29.75
Total Average in First Quarter 2009		31.14	0.36	6.58	32.90

Corridor note

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	8.50	0.00	6.30	8.51	3-5 days	Nationwide	Feb 10, 2009
Demir-Halk Bank	Bank	12.50	0.00	9.26	12.50	6 days or more	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	10.00	2.04	9.45	12.76	6 days or more	Nationwide	Feb 10, 2009
Western Union	MTO	14.50	0.00	10.74	14.50	Less than one hour	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	15.00	0.00	11.11	15.00	6 days or more	Nationwide	Feb 10, 2009
MoneyGram	MTO	14.00	1.53	11.90	16.07	Less than one hour	Nationwide	Feb 10, 2009
SEB	Bank	20.00	0.00	14.81	19.99	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	25.00	0.00	18.52	25.00	6 days or more	Nationwide	Feb 10, 2009
HypoVereinsbank	Bank	37.50	0.00	27.78	37.50	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	37.50	0.00	27.78	37.50	6 days or more	Nationwide	Feb 10, 2009
Bank Average		20.75	0.26	15.63	21.10
MTO Average		14.25	0.77	11.32	15.28
Total Average		19.45	0.36	14.76	19.93
Total Average in 2008		15.10	0.00	11.19	15.11

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	8.50	0.00	2.58	8.51	3-5 days	Nationwide	Feb 10, 2009
SEB	Bank	12.00	0.00	3.64	12.01	6 days or more	Nationwide	Feb 10, 2009
Demir-Halk Bank	Bank	12.50	0.00	3.79	12.51	6 days or more	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	15.00	0.00	4.55	15.02	6 days or more	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	10.00	2.04	5.07	16.73	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	25.00	0.00	7.58	25.01	6 days or more	Nationwide	Feb 10, 2009
MoneyGram	MTO	21.00	1.53	7.89	26.04	Less than one hour	Nationwide	Feb 10, 2009
Western Union	MTO	26.50	0.00	8.03	26.50	Less than one hour	Nationwide	Feb 10, 2009
HypoVereinsbank	Bank	37.50	0.00	11.36	37.49	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	37.50	0.00	11.36	37.49	6 days or more	Nationwide	Feb 10, 2009
Bank Average		19.75	0.26	6.24	20.59
MTO Average		23.75	0.77	7.96	26.27
Total Average		20.55	0.36	6.58	21.71
Total Average in 2008		17.00	0.00	5.15	17.00

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	12.59	0.00	6.30	12.60	3-5 days	Nationwide	Feb 10, 2009
Demir-Halk Bank	Bank	18.52	0.00	9.26	18.52	6 days or more	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	14.81	2.04	9.45	18.90	6 days or more	Nationwide	Feb 10, 2009
Western Union	MTO	21.48	0.00	10.74	21.48	Less than one hour	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	22.22	0.00	11.11	22.22	6 days or more	Nationwide	Feb 10, 2009
MoneyGram	MTO	20.74	1.53	11.90	23.80	Less than one hour	Nationwide	Feb 10, 2009
SEB	Bank	29.63	0.00	14.81	29.62	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	37.04	0.00	18.52	37.04	6 days or more	Nationwide	Feb 10, 2009
HypoVereinsbank	Bank	55.56	0.00	27.78	55.56	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	55.56	0.00	27.78	55.56	6 days or more	Nationwide	Feb 10, 2009
Bank Average		30.74	0.26	15.63	31.26
MTO Average		21.11	0.77	11.32	22.64
Total Average		28.81	0.36	14.76	29.52
Total Average in 2008		22.37	0.00	11.19	22.38

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	12.88	0.00	2.58	12.90	3-5 days	Nationwide	Feb 10, 2009
SEB	Bank	18.18	0.00	3.64	18.20	6 days or more	Nationwide	Feb 10, 2009
Demir-Halk Bank	Bank	18.94	0.00	3.79	18.95	6 days or more	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	22.73	0.00	4.55	22.75	6 days or more	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	15.15	2.04	5.07	25.35	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	37.88	0.00	7.58	37.90	6 days or more	Nationwide	Feb 10, 2009
MoneyGram	MTO	31.82	1.53	7.89	39.45	Less than one hour	Nationwide	Feb 10, 2009
Western Union	MTO	40.15	0.00	8.03	40.15	Less than one hour	Nationwide	Feb 10, 2009
HypoVereinsbank	Bank	56.82	0.00	11.36	56.80	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	56.82	0.00	11.36	56.80	6 days or more	Nationwide	Feb 10, 2009
Bank Average		29.92	0.26	6.24	31.20
MTO Average		35.98	0.77	7.96	39.80
Total Average		31.14	0.36	6.58	32.90
Total Average in 2008		25.76	0.00	5.15	25.75

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Sparkasse KolnBonn	Bank	5.00	0.00	3.70	5.00	7-10 days	-	May 22, 2008
Berliner Volksbank	Bank	10.00	0.00	7.41	10.00	7-10 days	-	May 22, 2008
SEB	Bank	12.00	0.00	8.89	12.00	7-10 days	-	May 22, 2008
Stadtsparkasse Munchen	Bank	12.00	0.00	8.89	12.00	7-10 days	-	May 22, 2008
Demir-Halk Bank	Bank	12.50	0.00	9.26	12.50	7-10 days	-	May 22, 2008
Frankfurter Sparkasse	Bank	12.50	0.00	9.26	12.50	7-15 days	-	May 22, 2008
MoneyGram	MTO	14.00	0.00	10.37	14.00	Instant	-	May 22, 2008
Western Union	MTO	14.50	0.00	10.74	14.50	Instant	-	May 22, 2008
Postbank	Bank	26.00	0.00	19.26	26.00	Up to 1 day (cash)	-	May 22, 2008
HypoVereinsbank	Bank	32.50	0.00	24.07	32.49	7-10 days	-	May 22, 2008
Bank Average		15.31	0.00	11.34	15.31
MTO Average		14.25	0.00	10.56	14.26
Total Average		15.10	0.00	11.19	15.11
First Quarter 2009		19.45	0.36	14.76	19.93

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Sparkasse KolnBonn	Bank	5.00	0.00	1.52	5.02	7-10 days	-	May 22, 2008
Berliner Volksbank	Bank	10.00	0.00	3.03	10.00	7-10 days	-	May 22, 2008
SEB	Bank	12.00	0.00	3.64	12.01	7-10 days	-	May 22, 2008
Stadtsparkasse Munchen	Bank	12.00	0.00	3.64	12.01	7-10 days	-	May 22, 2008
Demir-Halk Bank	Bank	12.50	0.00	3.79	12.51	7-10 days	-	May 22, 2008
Frankfurter Sparkasse	Bank	12.50	0.00	3.79	12.51	7-15 days	-	May 22, 2008
MoneyGram	MTO	21.00	0.00	6.36	20.99	Instant	-	May 22, 2008
Postbank	Bank	26.00	0.00	7.88	26.00	Up to 1 day (cash)	-	May 22, 2008
Western Union	MTO	26.50	0.00	8.03	26.50	Instant	-	May 22, 2008
HypoVereinsbank	Bank	32.50	0.00	9.85	32.51	7-10 days	-	May 22, 2008
Bank Average		15.31	0.00	4.64	15.31
MTO Average		23.75	0.00	7.20	23.76
Total Average		17.00	0.00	5.15	17.00
First Quarter 2009		20.55	0.36	6.58	21.71

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
Sparkasse KolnBonn	Bank	7.41	0.00	3.70	7.40	7-10 days	-	May 22, 2008
Berliner Volksbank	Bank	14.81	0.00	7.41	14.82	7-10 days	-	May 22, 2008
SEB	Bank	17.78	0.00	8.89	17.78	7-10 days	-	May 22, 2008
Stadtsparkasse Munchen	Bank	17.78	0.00	8.89	17.78	7-10 days	-	May 22, 2008
Demir-Halk Bank	Bank	18.52	0.00	9.26	18.52	7-10 days	-	May 22, 2008
Frankfurter Sparkasse	Bank	18.52	0.00	9.26	18.52	7-15 days	-	May 22, 2008
MoneyGram	MTO	20.74	0.00	10.37	20.74	Instant	-	May 22, 2008
Western Union	MTO	21.48	0.00	10.74	21.48	Instant	-	May 22, 2008
Postbank	Bank	38.52	0.00	19.26	38.52	Up to 1 day (cash)	-	May 22, 2008
HypoVereinsbank	Bank	48.15	0.00	24.07	48.14	7-10 days	-	May 22, 2008
Bank Average		22.69	0.00	11.34	22.68
MTO Average		21.11	0.00	10.56	21.12
Total Average		22.37	0.00	11.19	22.38
First Quarter 2009		28.81	0.36	14.76	29.52

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Sparkasse KolnBonn	Bank	7.58	0.00	1.52	7.60	7-10 days	-	May 22, 2008
Berliner Volksbank	Bank	15.15	0.00	3.03	15.15	7-10 days	-	May 22, 2008
SEB	Bank	18.18	0.00	3.64	18.20	7-10 days	-	May 22, 2008
Stadtsparkasse Munchen	Bank	18.18	0.00	3.64	18.20	7-10 days	-	May 22, 2008
Demir-Halk Bank	Bank	18.94	0.00	3.79	18.95	7-10 days	-	May 22, 2008
Frankfurter Sparkasse	Bank	18.94	0.00	3.79	18.95	7-15 days	-	May 22, 2008
MoneyGram	MTO	31.82	0.00	6.36	31.80	Instant	-	May 22, 2008
Postbank	Bank	39.39	0.00	7.88	39.40	Up to 1 day (cash)	-	May 22, 2008
Western Union	MTO	40.15	0.00	8.03	40.15	Instant	-	May 22, 2008
HypoVereinsbank	Bank	49.24	0.00	9.85	49.25	7-10 days	-	May 22, 2008
Bank Average		23.20	0.00	4.64	23.20
MTO Average		35.98	0.00	7.20	36.00
Total Average		25.76	0.00	5.15	25.75
First Quarter 2009		31.14	0.36	6.58	32.90

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 Germany 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
Postbank*	Bank	8.00	*0.00	*5.71	*7.99	3-5 days	Nationwide	Sep 21, 2009
iKobo	MTO	11.50	0.00	8.21	11.49	Less than one hour	Nationwide	Sep 21, 2009
Moneybookers	MTO	14.00	0.00	10.00	14.00	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	15.00	0.00	10.71	14.99	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	15.00	2.04	12.76	17.86	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	20.00	2.27	16.55	23.17	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	25.00	0.52	18.38	25.73	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	26.00	2.27	20.84	29.18	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		16.50	0.26	12.05	16.87
MTO Average		16.92	1.10	13.18	18.45
Total Average		16.81	0.89	12.90	18.06
Total Average in First Quarter 2009		21.00	3.92	19.48	27.27

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank*	Bank	8.00	*0.00	*2.29	*8.02	3-5 days	Nationwide	Sep 21, 2009
MoneyGram	MTO	15.00	0.00	4.29	15.02	Less than one hour	Nationwide	Sep 21, 2009
iKobo	MTO	21.50	0.00	6.14	21.49	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	15.00	2.04	6.33	22.16	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	25.00	0.52	7.67	26.84	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	20.00	2.27	7.98	27.93	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	26.00	2.27	9.70	33.95	Less than one hour	Nationwide	Sep 21, 2009
Moneybookers	MTO	35.00	0.00	10.00	35.00	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		16.50	0.26	4.98	17.43
MTO Average		22.08	1.10	7.41	25.94
Total Average		20.69	0.89	6.80	23.80
Total Average in First Quarter 2009		21.00	3.92	10.29	36.01

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
Postbank*	Bank	11.43	*0.00	*5.71	*11.42	3-5 days	Nationwide	Sep 21, 2009
iKobo	MTO	16.43	0.00	8.21	16.42	Less than one hour	Nationwide	Sep 21, 2009
Moneybookers	MTO	20.00	0.00	10.00	20.00	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	21.43	0.00	10.71	21.42	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	21.43	2.04	12.76	25.52	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	28.57	2.27	16.55	33.10	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	35.71	0.52	18.38	36.76	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	37.14	2.27	20.84	41.68	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		23.57	0.26	12.05	24.10
MTO Average		24.17	1.10	13.18	26.36
Total Average		24.02	0.89	12.90	25.80
Total Average in First Quarter 2009		31.11	3.92	19.48	38.96

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank*	Bank	11.43	*0.00	*2.29	*11.45	3-5 days	Nationwide	Sep 21, 2009
MoneyGram	MTO	21.43	0.00	4.29	21.45	Less than one hour	Nationwide	Sep 21, 2009
iKobo	MTO	30.71	0.00	6.14	30.70	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	21.43	2.04	6.33	31.65	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	35.71	0.52	7.67	38.35	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	28.57	2.27	7.98	39.90	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	37.14	2.27	9.70	48.50	Less than one hour	Nationwide	Sep 21, 2009
Moneybookers	MTO	50.00	0.00	10.00	50.00	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		23.57	0.26	4.98	24.90
MTO Average		31.55	1.10	7.41	37.05
Total Average		29.55	0.89	6.80	34.00
Total Average in First Quarter 2009		31.82	3.92	10.29	51.45

Corridor note

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

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	8.50	0.00	6.30	8.51	3-5 days	Nationwide	Feb 10, 2009
MoneyGram	MTO	15.00	1.56	12.67	17.10	Less than one hour	Nationwide	Feb 09, 2009
Bank of China	Bank	20.00	1.36	16.17	21.83	2 days	Nationwide	Feb 09, 2009
Western Union	MTO	20.00	3.15	17.96	24.25	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	37.50	1.14	28.91	39.03	6 days or more	Nationwide	Feb 09, 2009
Frankfurter Sparkasse	Bank	25.00	16.35	34.86	47.06	6 days or more	Nationwide	Feb 09, 2009
Bank Average		22.75	4.71	21.56	29.11
MTO Average		17.50	2.36	15.32	20.68
Total Average		21.00	3.92	19.48	26.30
Total Average in 2008		21.25	8.91	24.65	33.28

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank	Bank	8.50	0.00	2.58	8.51	3-5 days	Nationwide	Feb 10, 2009
MoneyGram	MTO	15.00	1.56	6.11	20.16	Less than one hour	Nationwide	Feb 09, 2009
Bank of China	Bank	20.00	1.36	7.42	24.49	2 days	Nationwide	Feb 09, 2009
Western Union	MTO	20.00	3.15	9.21	30.39	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	37.50	1.14	12.50	41.25	6 days or more	Nationwide	Feb 09, 2009
Frankfurter Sparkasse	Bank	25.00	16.35	23.92	78.94	6 days or more	Nationwide	Feb 09, 2009
Bank Average		22.75	4.71	11.60	38.28
MTO Average		17.50	2.36	7.66	25.28
Total Average		21.00	3.92	10.29	33.96
Total Average in 2008		21.25	8.91	15.35	50.66

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	12.59	0.00	6.30	12.60	3-5 days	Nationwide	Feb 10, 2009
MoneyGram	MTO	22.22	1.56	12.67	25.34	Less than one hour	Nationwide	Feb 09, 2009
Bank of China	Bank	29.63	1.36	16.17	32.34	2 days	Nationwide	Feb 09, 2009
Western Union	MTO	29.63	3.15	17.96	35.92	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	55.56	1.14	28.91	57.82	6 days or more	Nationwide	Feb 09, 2009
Frankfurter Sparkasse	Bank	37.04	16.35	34.86	69.72	6 days or more	Nationwide	Feb 09, 2009
Bank Average		33.70	4.71	21.56	43.12
MTO Average		25.93	2.36	15.32	30.64
Total Average		31.11	3.92	19.48	38.96
Total Average in 2008		31.48	8.91	24.65	49.30

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank	Bank	12.88	0.00	2.58	12.90	3-5 days	Nationwide	Feb 10, 2009
MoneyGram	MTO	22.73	1.56	6.11	30.55	Less than one hour	Nationwide	Feb 09, 2009
Bank of China	Bank	30.30	1.36	7.42	37.10	2 days	Nationwide	Feb 09, 2009
Western Union	MTO	30.30	3.15	9.21	46.05	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	56.82	1.14	12.50	62.50	6 days or more	Nationwide	Feb 09, 2009
Frankfurter Sparkasse	Bank	37.88	16.35	23.92	119.60	6 days or more	Nationwide	Feb 09, 2009
Bank Average		34.47	4.71	11.60	58.00
MTO Average		26.52	2.36	7.66	38.30
Total Average		31.82	3.92	10.29	51.45
Total Average in 2008		32.20	8.91	15.35	76.75

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Bank of China	Bank	20.00	0.83	15.64	21.11	Up to 2 days	-	May 21, 2008
Western Union	MTO	20.00	1.38	16.19	21.86	Instant	-	May 21, 2008
HypoVereinsbank	Bank	32.50	2.11	26.19	35.36	7-10 days	-	May 21, 2008
Frankfurter Sparkasse	Bank	12.50	31.31	40.57	54.77	7-15 days	-	May 21, 2008
Bank Average		21.67	11.42	27.47	37.08
MTO Average		20.00	1.38	16.19	21.86
Total Average		21.25	8.91	24.65	33.28
First Quarter 2009		21.00	3.92	19.48	26.30

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Bank of China	Bank	20.00	0.83	6.89	22.74	Up to 2 days	-	May 21, 2008
Western Union	MTO	20.00	1.38	7.44	24.55	Instant	-	May 21, 2008
HypoVereinsbank	Bank	32.50	2.11	11.96	39.47	7-10 days	-	May 21, 2008
Frankfurter Sparkasse	Bank	12.50	31.31	35.10	115.83	7-15 days	-	May 21, 2008
Bank Average		21.67	11.42	17.98	59.33
MTO Average		20.00	1.38	7.44	24.55
Total Average		21.25	8.91	15.35	50.66
First Quarter 2009		21.00	3.92	10.29	33.96

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Bank of China	Bank	29.63	0.83	15.64	31.28	Up to 2 days	-	May 21, 2008
Western Union	MTO	29.63	1.38	16.19	32.38	Instant	-	May 21, 2008
HypoVereinsbank	Bank	48.15	2.11	26.19	52.38	7-10 days	-	May 21, 2008
Frankfurter Sparkasse	Bank	18.52	31.31	40.57	81.14	7-15 days	-	May 21, 2008
Bank Average		32.10	11.42	27.47	54.94
MTO Average		29.63	1.38	16.19	32.38
Total Average		31.48	8.91	24.65	49.30
First Quarter 2009		31.11	3.92	19.48	38.96

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Bank of China	Bank	30.30	0.83	6.89	34.45	Up to 2 days	-	May 21, 2008
Western Union	MTO	30.30	1.38	7.44	37.20	Instant	-	May 21, 2008
HypoVereinsbank	Bank	49.24	2.11	11.96	59.80	7-10 days	-	May 21, 2008
Frankfurter Sparkasse	Bank	18.94	31.31	35.10	175.50	7-15 days	-	May 21, 2008
Bank Average		32.83	11.42	17.98	89.90
MTO Average		30.30	1.38	7.44	37.20
Total Average		32.20	8.91	15.35	76.75
First Quarter 2009		31.82	3.92	10.29	51.45

Remitting from Germany to Croatia

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
Postbank*	Bank	8.00	*0.00	*5.71	*7.99	3-5 days	Nationwide	Sep 21, 2009
Berliner Volksbank*	Bank	10.00	*0.00	*7.14	*10.00	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	14.50	3.33	13.69	19.17	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	25.00	-1.78	16.08	22.51	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	25.00	*0.00	*17.86	*25.00	6 days or more	Nationwide	Sep 21, 2009
Volksbank Rhein-Ruhr	Bank	25.00	0.60	18.46	25.84	3-5 days	Nationwide	Sep 21, 2009
Western Union	MTO	26.00	3.33	21.90	30.66	Less than one hour	Nationwide	Sep 21, 2009
Stadtsparkasse Munchen*	Bank	39.00	*0.00	*27.86	*39.00	6 days or more	Nationwide	Sep 21, 2009
Bank Average		22.00	-0.20	15.52	21.73
MTO Average		20.25	3.33	17.80	24.92
Total Average		21.56	0.69	16.09	22.53
Total Average in First Quarter 2009		16.31	2.81	14.89	20.85

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Postbank*	Bank	8.00	*0.00	*2.29	*8.02	3-5 days	Nationwide	Sep 21, 2009
Berliner Volksbank*	Bank	10.00	*0.00	*2.86	*10.01	6 days or more	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	25.00	-1.78	5.36	18.76	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	25.00	*0.00	*7.14	*24.99	6 days or more	Nationwide	Sep 21, 2009
Volksbank Rhein-Ruhr	Bank	25.00	0.60	7.75	27.12	3-5 days	Nationwide	Sep 21, 2009
Stadtsparkasse Munchen*	Bank	29.00	*0.00	*8.29	*29.01	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	26.00	3.33	10.76	37.66	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	26.50	3.33	10.90	38.15	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		20.33	-0.20	5.61	19.64
MTO Average		26.25	3.33	10.83	37.90
Total Average		21.81	0.69	6.92	24.22
Total Average in First Quarter 2009		17.81	2.81	8.20	28.70

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
Postbank*	Bank	11.43	*0.00	*5.71	*11.42	3-5 days	Nationwide	Sep 21, 2009
Berliner Volksbank*	Bank	14.29	*0.00	*7.14	*14.28	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	20.71	3.33	13.69	27.38	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	35.71	-1.78	16.08	32.16	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	35.71	*0.00	*17.86	*35.72	6 days or more	Nationwide	Sep 21, 2009
Volksbank Rhein-Ruhr	Bank	35.71	0.60	18.46	36.92	3-5 days	Nationwide	Sep 21, 2009
Western Union	MTO	37.14	3.33	21.90	43.80	Less than one hour	Nationwide	Sep 21, 2009
Stadtsparkasse Munchen*	Bank	55.71	*0.00	*27.86	*55.72	6 days or more	Nationwide	Sep 21, 2009
Bank Average		31.43	-0.20	15.52	31.04
MTO Average		28.93	3.33	17.80	35.60
Total Average		30.80	0.69	16.09	32.18
Total Average in First Quarter 2009		24.17	2.81	14.89	29.78

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Postbank*	Bank	11.43	*0.00	*2.29	*11.45	3-5 days	Nationwide	Sep 21, 2009
Berliner Volksbank*	Bank	14.29	*0.00	*2.86	*14.30	6 days or more	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	35.71	-1.78	5.36	26.80	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	35.71	*0.00	*7.14	*35.70	6 days or more	Nationwide	Sep 21, 2009
Volksbank Rhein-Ruhr	Bank	35.71	0.60	7.75	38.75	3-5 days	Nationwide	Sep 21, 2009
Stadtsparkasse Munchen*	Bank	41.43	*0.00	*8.29	*41.45	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	37.14	3.33	10.76	53.80	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	37.86	3.33	10.90	54.50	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		29.05	-0.20	5.61	28.05
MTO Average		37.50	3.33	10.83	54.15
Total Average		31.16	0.69	6.92	34.60
Total Average in First Quarter 2009		26.99	2.81	8.20	41.00

Corridor note

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

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Volksbank Rhein-Ruhr	Bank	8.00	0.00	5.93	8.01	6 days or more	Nationwide	Feb 10, 2009
Postbank	Bank	8.50	0.00	6.30	8.51	3-5 days	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	10.00	0.00	7.41	10.00	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	12.00	0.00	8.89	12.00	6 days or more	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	15.00	0.00	11.11	15.00	6 days or more	Nationwide	Feb 10, 2009
Western Union	MTO	14.50	3.01	13.76	18.58	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	37.50	0.00	27.78	37.50	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	25.00	19.43	37.95	51.23	6 days or more	Nationwide	Feb 09, 2009
Bank Average		16.57	2.78	15.05	20.32
MTO Average		14.50	3.01	13.76	18.58
Total Average		16.31	2.81	14.89	20.10
Total Average in 2008		13.50	11.22	21.22	28.65

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Volksbank Rhein-Ruhr	Bank	8.00	0.00	2.42	7.99	6 days or more	Nationwide	Feb 10, 2009
Postbank	Bank	8.50	0.00	2.58	8.51	3-5 days	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	10.00	0.00	3.03	10.00	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	12.00	0.00	3.64	12.01	6 days or more	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	15.00	0.00	4.55	15.02	6 days or more	Nationwide	Feb 10, 2009
Western Union	MTO	26.50	3.01	11.04	36.43	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	37.50	0.00	11.36	37.49	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	25.00	19.43	27.01	89.13	6 days or more	Nationwide	Feb 09, 2009
Bank Average		16.57	2.78	7.80	25.74
MTO Average		26.50	3.01	11.04	36.43
Total Average		17.81	2.81	8.20	27.06
Total Average in 2008		19.50	11.22	17.13	56.53

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Volksbank Rhein-Ruhr	Bank	11.85	0.00	5.93	11.86	6 days or more	Nationwide	Feb 10, 2009
Postbank	Bank	12.59	0.00	6.30	12.60	3-5 days	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	14.81	0.00	7.41	14.82	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	17.78	0.00	8.89	17.78	6 days or more	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	22.22	0.00	11.11	22.22	6 days or more	Nationwide	Feb 10, 2009
Western Union	MTO	21.48	3.01	13.76	27.52	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	55.56	0.00	27.78	55.56	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	37.04	19.43	37.95	75.90	6 days or more	Nationwide	Feb 09, 2009
Bank Average		24.55	2.78	15.05	30.10
MTO Average		21.48	3.01	13.76	27.52
Total Average		24.17	2.81	14.89	29.78
Total Average in 2008		20.00	11.22	21.22	42.44

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Volksbank Rhein-Ruhr	Bank	12.12	0.00	2.42	12.10	6 days or more	Nationwide	Feb 10, 2009
Postbank	Bank	12.88	0.00	2.58	12.90	3-5 days	Nationwide	Feb 10, 2009
Berliner Volksbank	Bank	15.15	0.00	3.03	15.15	6 days or more	Nationwide	Feb 10, 2009
Stadtsparkasse Munchen	Bank	18.18	0.00	3.64	18.20	6 days or more	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	22.73	0.00	4.55	22.75	6 days or more	Nationwide	Feb 10, 2009
Western Union	MTO	40.15	3.01	11.04	55.20	Less than one hour	Nationwide	Feb 09, 2009
HypoVereinsbank	Bank	56.82	0.00	11.36	56.80	6 days or more	Nationwide	Feb 10, 2009
Frankfurter Sparkasse	Bank	37.88	19.43	27.01	135.05	6 days or more	Nationwide	Feb 09, 2009
Bank Average		25.11	2.78	7.80	39.00
MTO Average		40.15	3.01	11.04	55.20
Total Average		26.99	2.81	8.20	41.00
Total Average in 2008		29.55	11.22	17.13	85.65

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Western Union	MTO	14.50	3.01	13.76	18.58	Instant	-	May 22, 2008
Frankfurter Sparkasse	Bank	12.50	19.43	28.69	38.73	7-15 days	-	May 22, 2008
Bank Average		12.50	19.43	28.69	38.73
MTO Average		14.50	3.01	13.76	18.58
Total Average		13.50	11.22	21.22	28.65
First Quarter 2009		16.31	2.81	14.89	20.10

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Western Union	MTO	26.50	3.01	11.04	36.43	Instant	-	May 22, 2008
Frankfurter Sparkasse	Bank	12.50	19.43	23.22	76.63	7-15 days	-	May 22, 2008
Bank Average		12.50	19.43	23.22	76.63
MTO Average		26.50	3.01	11.04	36.43
Total Average		19.50	11.22	17.13	56.53
First Quarter 2009		17.81	2.81	8.20	27.06

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Western Union	MTO	21.48	3.01	13.76	27.52	Instant	-	May 22, 2008
Frankfurter Sparkasse	Bank	18.52	19.43	28.69	57.38	7-15 days	-	May 22, 2008
Bank Average		18.52	19.43	28.69	57.38
MTO Average		21.48	3.01	13.76	27.52
Total Average		20.00	11.22	21.22	42.44
First Quarter 2009		24.17	2.81	14.89	29.78

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Western Union	MTO	40.15	3.01	11.04	55.20	Instant	-	May 22, 2008
Frankfurter Sparkasse	Bank	18.94	19.43	23.22	116.10	7-15 days	-	May 22, 2008
Bank Average		18.94	19.43	23.22	116.10
MTO Average		40.15	3.01	11.04	55.20
Total Average		29.55	11.22	17.13	85.65
First Quarter 2009		26.99	2.81	8.20	41.00

Remitting from Germany to India

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
ICICI Bank - Readycash	Bank	2.00	1.40	2.82	3.95	2 days	Nationwide	Sep 21, 2009
Remit2India	MTO	2.00	1.41	2.84	3.98	2 days	Nationwide	Sep 21, 2009
Postbank*	Bank	8.00	*0.00	*5.71	*7.99	3-5 days	Nationwide	Sep 21, 2009
Ria Envia	MTO	7.00	4.00	9.00	12.60	Same day	Nationwide	Sep 21, 2009
State Bank of India	Bank	15.00	1.61	12.32	17.25	3-5 days	Nationwide	Sep 21, 2009
Western Union	MTO	14.50	3.29	13.64	19.10	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	13.00	4.92	14.21	19.89	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	25.00	-0.06	17.80	24.92	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	25.00	*0.00	*17.86	*25.00	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	26.00	3.29	21.86	30.60	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		15.00	0.59	11.30	15.82
MTO Average		12.50	3.38	12.31	17.23
Total Average		13.75	1.99	11.81	16.53
Total Average in First Quarter 2009		13.00	2.91	12.54	17.56

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ICICI Bank - Readycash	Bank	2.00	1.40	1.97	6.90	2 days	Nationwide	Sep 21, 2009
Remit2India	MTO	2.00	1.41	1.98	6.93	2 days	Nationwide	Sep 21, 2009
Postbank*	Bank	8.00	*0.00	*2.29	*8.02	3-5 days	Nationwide	Sep 21, 2009
State Bank of India	Bank	15.00	1.61	5.89	20.62	3-5 days	Nationwide	Sep 21, 2009
Ria Envia	MTO	7.00	4.00	6.00	21.00	Same day	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	25.00	-0.06	7.09	24.82	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	25.00	*0.00	*7.14	*24.99	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	25.50	3.29	10.57	36.99	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	26.00	3.29	10.72	37.52	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	23.50	4.92	11.63	40.71	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		15.00	0.59	4.87	17.05
MTO Average		16.80	3.38	8.18	28.63
Total Average		15.90	1.99	6.53	22.86
Total Average in First Quarter 2009		15.00	2.91	7.46	26.11

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
ICICI Bank - Readycash	Bank	2.86	1.40	2.82	5.64	2 days	Nationwide	Sep 21, 2009
Remit2India	MTO	2.86	1.41	2.84	5.68	2 days	Nationwide	Sep 21, 2009
Postbank*	Bank	11.43	*0.00	*5.71	*11.42	3-5 days	Nationwide	Sep 21, 2009
Ria Envia	MTO	10.00	4.00	9.00	18.00	Same day	Nationwide	Sep 21, 2009
State Bank of India	Bank	21.43	1.61	12.32	24.64	3-5 days	Nationwide	Sep 21, 2009
Western Union	MTO	20.71	3.29	13.64	27.28	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	18.57	4.92	14.21	28.42	Less than one hour	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	35.71	-0.06	17.80	35.60	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	35.71	*0.00	*17.86	*35.72	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	37.14	3.29	21.86	43.72	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		21.43	0.59	11.30	22.60
MTO Average		17.86	3.38	12.31	24.62
Total Average		19.64	1.99	11.81	23.62
Total Average in First Quarter 2009		19.26	2.91	12.54	25.08

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ICICI Bank - Readycash	Bank	2.86	1.40	1.97	9.85	2 days	Nationwide	Sep 21, 2009
Remit2India	MTO	2.86	1.41	1.98	9.90	2 days	Nationwide	Sep 21, 2009
Postbank*	Bank	11.43	*0.00	*2.29	*11.45	3-5 days	Nationwide	Sep 21, 2009
State Bank of India	Bank	21.43	1.61	5.89	29.45	3-5 days	Nationwide	Sep 21, 2009
Ria Envia	MTO	10.00	4.00	6.00	30.00	Same day	Nationwide	Sep 21, 2009
HypoVereinsbank	Bank	35.71	-0.06	7.09	35.45	6 days or more	Nationwide	Sep 21, 2009
Sparkasse KolnBonn*	Bank	35.71	*0.00	*7.14	*35.70	6 days or more	Nationwide	Sep 21, 2009
Western Union	MTO	36.43	3.29	10.57	52.85	Less than one hour	Nationwide	Sep 21, 2009
Western Union	MTO	37.14	3.29	10.72	53.60	Less than one hour	Nationwide	Sep 21, 2009
MoneyGram	MTO	33.57	4.92	11.63	58.15	Less than one hour	Nationwide	Sep 21, 2009
Bank Average		21.43	0.59	4.87	24.35
MTO Average		24.00	3.38	8.18	40.90
Total Average		22.71	1.99	6.53	32.65
Total Average in First Quarter 2009		22.73	2.91	7.46	37.30

Corridor note

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

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ICICI Bank - Readycash	Bank	2.00	1.65	3.13	4.23	2 days	Nationwide	Feb 10, 2009
Postbank	Bank	8.50	0.00	6.30	8.51	3-5 days	Nationwide	Feb 10, 2009
Remit2India	MTO	2.00	5.68	7.16	9.67	2 days	Nationwide	Feb 10, 2009
Ria Envia	MTO	8.50	3.49	9.78	13.20	2 days	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	15.00	1.90	13.01	17.56	6 days or more	Nationwide	Feb 10, 2009
State Bank of India	Bank	15.00	3.54	14.65	19.78	Less than one hour	Nationwide	Feb 10, 2009
Western Union	MTO	14.50	4.10	14.84	20.03	Less than one hour	Nationwide	Feb 10, 2009
MoneyGram	MTO	14.00	4.87	15.24	20.57	Less than one hour	Nationwide	Feb 10, 2009
HypoVereinsbank	Bank	37.50	0.97	28.75	38.81	6 days or more	Nationwide	Feb 10, 2009
Bank Average		15.60	1.61	13.17	17.78
MTO Average		9.75	4.54	11.76	15.88
Total Average		13.00	2.91	12.54	16.93
Total Average in 2008		11.94	1.86	10.70	14.44

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ICICI Bank - Readycash	Bank	2.00	1.65	2.25	7.42	2 days	Nationwide	Feb 10, 2009
Postbank	Bank	8.50	0.00	2.58	8.51	3-5 days	Nationwide	Feb 10, 2009
Ria Envia	MTO	8.50	3.49	6.06	20.00	2 days	Nationwide	Feb 10, 2009
Remit2India	MTO	2.00	5.68	6.28	20.72	2 days	Nationwide	Feb 10, 2009
Sparkasse KolnBonn	Bank	15.00	1.90	6.44	21.25	6 days or more	Nationwide	Feb 10, 2009
State Bank of India	Bank	15.00	3.54	8.08	26.66	Less than one hour	Nationwide	Feb 10, 2009
MoneyGram	MTO	21.00	4.87	11.24	37.09	Less than one hour	Nationwide	Feb 10, 2009
Western Union	MTO	25.50	4.10	11.83	39.04	Less than one hour	Nationwide	Feb 10, 2009
HypoVereinsbank	Bank	37.50	0.97	12.33	40.69	6 days or more	Nationwide	Feb 10, 2009
Bank Average		15.60	1.61	6.34	20.92
MTO Average		14.25	4.54	8.85	29.20
Total Average		15.00	2.91	7.46	24.62
Total Average in 2008		14.38	1.86	6.22	20.53

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ICICI Bank - Readycash	Bank	2.96	1.65	3.13	6.26	2 days	Nationwide	Feb 10, 2009
Postbank	Bank	12.59	0.00	6.30	12.60	3-5 days	Nationwide	Feb 10, 2009
Remit2India	MTO	2.96	5.68	7.16	14.32	2 days	Nationwide	Feb 10, 2009
Ria Envia	MTO	12.59	3.49	9.78