Annexure

ANNEXURE A

Licensed States of FI Partners:

Golden Money Transfer
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Idaho
Illinois
Louisiana
Maryland
Massachusetts
Michigan
Minnesota
Missouri
Montana
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia
Washington

ANNEXURE B

Name of FI Partner	E-mail Address of FI Partner	Error Resolution Phone no.	Transaction Cancelation Phone no.
Golden Money Transfer Inc.	[email protected]	1-888-702-5656	1-888-702-5656

ANNEXURE C

State	Name of State Authority	Contact Details
Alabama	Alabama Securities Commission	Alabama Securities Commission 445 Dexter Avenue, Suite 12000 Montgomery, Alabama 36104 Telephone: [phone] Email: [email protected] Website: http://asc.alabama.gov
Alaska	Division of Banking and Securities	Alaska Division of Banking and Securities Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807 Telephone: Nine Zero Seven Four Six Five Two Five Two One Email: [email protected] Website: ttps://www.commerce.alaska.gov/web/dbs
Arizona	Arizona Department of Insurance and Financial Institutions	Arizona Department of Insurance and Financial Institutions 100 N. 15th Avenue, Suite 261 Phoenix, AZ 85007-2630 Telephone: [phone] Toll-free: [phone] Email: [email protected] Website: https://difi.az.gov/money-transmitters-dfi
Arkansas	Arkansas Securities Department	Alaska Division of Banking and Securities Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807 Telephone: Nine Zero Seven Four Six Five Two Five Two One Email: [email protected] Website: ttps://www.commerce.alaska.gov/web/dbs
California	Department of Financial Protection and Innovation	California Department of Financial Protection and Innovation (DFPI) 2101 Arena Boulevard, Sacramento, CA 95834 Telephone: [phone] Email: [email protected] Website: www.dbo.ca.gov
Colorado	Colorado Division of Banking	Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Telephone: [phone] Email: [email protected] Website: https://www.colorado.gov/pacific/dora/division-banking
Connecticut	Connecticut Department of Banking Consumer Credit Division	Connecticut Department of Banking 260 Constitution Plaza, Hartford, CT 06103-1800 Telephone: [phone] Email: [email protected] Website: www.ct.gov/dob
Delaware	Office of the State Bank Commissioner	Delaware Office of the State Bank Commissioner 1110 Forrest Avenue, Dover, DE 19904 Telephone: [phone] Email: [email protected] Website: https://banking.delaware.gov
District of Columbia	DC Department of Insurance, Securities and Banking	District of Columbia Department of Insurance, Securities and Banking 1050 First Street, NE, 801, Washington, DC 20002 Telephone: [phone] TTY: 711 Email: [email protected] Website: https://disb.dc.gov
Florida	Florida Office of Financial Regulation	Florida Office of Financial Regulation 200 E. Gaines Street, Tallahassee, FL 32399-0381 Telephone Number: 1-850-487-9687 Website: http://www.flofr.com
Georgia	Georgia Department of Banking and Finance	Georgia Department of Banking and Finance 2990 Brandywine Road, Suite 200, Atlanta, Georgia 30341-5565 Telephone: [phone] Website: https://dbf.georgia.gov
Idaho	Idaho Department of Finance	Idaho Department of Finance P.O. Box 83720 Boise, ID 83720-0031 Telephone: [phone] Email: [email protected] Website: www.finance.idaho.gov
Illinois	Department of Financial and Professional Regulation	Illinois Division of Financial Institutions 320 W Washington Suite 550, Springfield, IL 62786 Telephone: [phone] Website: https://www.idfpr.com/dfi.asp
Louisiana	Louisiana Office of Financial Institutions	Office of Financial Institutions 8660 United Plaza Boulevard, 2nd Floor Baton Rouge, LA 70809-7024 Telephone: Fax: [phone] or [phone] Email: [email protected] Website: http://ofi.la.gov/non-depository/non-depository-complaints/
Maryland	Maryland Office of the Commissioner of Financial Regulation	Maryland Office of the Commissioner of Financial Regulation 1100 North Eutaw Street, Suite 611 Baltimore, Maryland 21201 Telephone: [phone] or 888-784-0136 Email: [email protected] Website: https://www.dllr.state.md.us/finance
Massachusetts	Massachusetts Division of Banks	Massachusetts Office of Consumer Affairs and Business Regulation 1000 Washington Street, 10th floor, Boston, MA 02118-2218 Telephone: [phone] Email: [email protected] Website: https://www.mass.gov/orgs/office-of-consumer-affairs-and-business-regulation
Michigan	Michigan Department of Insurance and Financial Institutions	Michigan Department of Insurance and Financial Institutions DIFS PO Box 30220 Lansing, MI 48909-7720 Telephone: [phone] or 877-999-6442 (Toll-Free) Email: [email protected] Website: https://www.michigan.gov/difs/consumers/complaint
Minnesota	Minnesota Department of Commerce	Minnesota Department of Commerce Main Office, Golden Rule Building 85, 7th Place East Suite 280, Saint Paul, MN 55101 Telephone: [phone] (local)/651-539-1600 (complaints) Email: [email protected] Website: https://mn.gov/commerce
Missouri	Missouri Division of Finance	Missouri Division of Finance Truman State Office Building, Room 630, Jefferson City, MO 65102 Telephone: [phone] (fax) Email: [email protected] Website: https://finance.mo.gov
Montana	Montana Department of Administration	Montana Division of Banking and Financial Institutions 301 South Park, Suite 316 Helena, MT 59601 PO Box 200546 Telephone: [phone] or 800-481-6896 Email: [email protected]
Nevada	Financial Institution Division, Department of Business and Industry	Nevada Department of Business and Industry 3300 W Sahara Avenue Suite 250, Las Vegas, NV 89102 Telephone: (702) 486 – 4120, Toll Free Number: (866) 858–8951 Email: [email protected] Website: www.business.nv.gov
New Hampshire	State of New Hampshire Banking Department	New Hampshire Banking Department 53 Regional Drive, Suite 200 Concord NH 03301 Telephone: [phone] Email: [email protected] Website: https://www.nh.gov/banking/
New Jersey	New Jersey Department of Banking and Insurance	New Jersey Department of Banking and Insurance Division of Consumer Affairs P.O. Box 45025, Newark, NJ 07101 Telephone: [phone] or (800)-242-5846 Email: [email protected] Website: www.state.nj.us/dobi
New Mexico	New Mexico Financial Institution Division	New Mexico Financial Institutions Division 2550 Cerrillos Road | P.O. Box 25101 Santa Fe, NM 87504 Telephone: [phone] Website: www.rld.state.nm.us/financialinstitutions
New York	Department of Financial Services	New York Department of Financial Services 1 State Street, New York, NY 1000 Telephone: [phone], Fax: [phone] Email: [email protected] Website: dfs.ny.gov
North Carolina	North Carolina Commissioner of Banks	North Carolina Commissioner of Banks 4309 Mail Service Center, Raleigh, NC 27699-4309 Telephone: [phone] Website: www.nccob.org
North Dakota	North Dakota Department of Financial Institutions	North Dakota Department of Financial Institutions 2000 Schafer Street, Suite G Bismarck, ND 58501-1204 Telephone: [phone] Email: [email protected] Website: https://www.nd.gov/dfi
Oregon	Oregon Division of Financial Regulation	Oregon Division of Financial Regulation PO Box 14480, Salem, OR 97309-0405 Telephone: [phone], Fax [phone] Email: [email protected] Website: http://dfr.oregon.gov/business/financial-industry/Pages/money-trans.aspx
Rhode Island	State of Rhode Island Department of Business Regulation	Rhode Island Department of Business Regulation 1511 Pontiac Avenue, Cranston, RI 02920 Telephone: [phone] Email: [email protected] Website: https://dbr.ri.gov/divisions/banking/
Pennsylvania	Pennsylvania Department of Banking and Securities	Pennsylvania Department of Banking and Securities 17 N. 2nd Street, Harrisburg, PA 17101 Telephone: 1.800.PA.BANKS or 1.800.600.0007 Website: https://www.dobs.pa.gov
South Carolina	South Carolina Attorney General	South Carolina Attorney General The Honorable Alan Wilson, P.O. Box 11549, Columbia, SC 29211 Telephone: Fax: [phone] Email: [email protected] Website: http://www.scag.gov/civil/money-services
South Dakota	South Dakota Division of Banking	South Dakota Division of Banking 1714 Lincoln Ave., Suite 2, Pierre, SD 57501 Telephone: [phone] Email: [email protected] Website: www.banking.sd.gov
Tennessee	Tennessee Department of Financial Institutions	Tennessee Department of Financial Institutions Division of Consumer Affairs TN Attorney General’s Office, P.O. Box 20207, Nashville, TN 37202 Telephone: [phone] Email: [email protected] Website: https://www.tn.gov/tdfi.html
Texas	Texas Department of Banking	Texas Department of Banking 2601 N. Lamar Blvd Austin, Texas 78705-429 Telephone: [phone] or Fax : [phone] Email: [email protected] Website: www.dob.texas.gov
Utah	Utah Department of Financial Institutions	Utah Department of Financial Institutions P.O. Box 146800, Salt Lake City, Utah 84114-6800 Telephone: [phone] Fax [phone] Email: [email protected] Website: https://dfi.utah.gov
Virginia	Virginia Bureau of Financial Institutions	Virginia Bureau of Financial Institutions PO Box 640, Richmond, Virginia 23218-0640 Telephone: [phone] / Fax: [phone] Email: [email protected] Website: https://www.scc.virginia.gov/bfi
Washington	Washington Department of Financial Institutions	Washington Department of Financial Institutions DIVISION OF CONSUMER SERVICES P.O. Box 41200, Olympia, Washington 98504-1200 Telephone: [phone] / TDD [phone] Email: [email protected] Website: https://dfi.wa.gov/consumers/money-services-complaint

ANNEXTURE D

Sample for Email Content

Please note the following sample is created by taking Moneytun as MSB for example. The MSB details should be replaced as per the state selected by the user.

Please refer Annexure B for all contact details of FI Partners.

Please refer Annexure C for all Names and Contact Details of respective State Authority.

1. Email Verification

<<Name of User>>,

To activate your <<Name of SMP>> Account, please verify your email address.

Your account will not be created until your email address is confirmed.

<<Confirm Your Email>>

Or, copy and paste the following URL into your browser:

https://www.xxxxxxxxxxxxx/xxxxxxxxxxxx

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

Email: <Support Email>

Phone: <Phone>

1. Reset Password

<<Name of User>>,

Someone has asked to reset the password for your account. If you did not request a password reset, you can disregard this email. No changes have been made to your account.

To reset your password, follow this link (or paste into your browser) within the next 90 minutes:

https://www.xxxxxxxxxxxxx/xxxxxxxxxxxx

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Please update your Bank Account (Update bank login credentials)

<<Name of User>>,

You have recently updated your login credentials of your below bank account:

Bank Name: <<Name of Bank>>

Account Type: <<Type of Account>>

You are required to add your bank account again in the <<Name of SMP>> system. Please CLICK HERE to login and add the bank account.

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Sender Suspended

<<Name of User>>,

Your account has been disabled because we were unable to verify the information you had submitted.

Please contact customer support for further details. .

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Sender KYC under review (Sender Status Review Pending)

<<Name of User>>,

Thank you for submitting your KYC details. Your account is under review. You will be notified if we need any other details. For enquiry please contact customer support at the details mentioned below.

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Document Requested

<<Name of User>>,

We were not able to verify the document/s you had submitted earlier. Please CLICK HERE to re-submit your documents again.

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Tier request approved

<<Name of User>>,

Your request to upgrade the transaction limit has been approved.

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Tier request dis-approved

<<Name of User>>,

Your request to upgrade the transaction limit was not approved. Please contact customer support for further details.

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

1. Transaction Canceled

<<Name of User>>,

Your transaction request has been cancelled. You can find the details of the transaction from the link below. Please contact customer support for further details.

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<the state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov

1. Transaction request has been submitted

<<Name of User>>,

Your transaction request has been successfully submitted. You can find the the details of the transaction from the link below

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<the state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov

1. Transaction Delivered

<<Name of User>>,

Your transaction has been successfully delivered. You can find the the details of the transaction from the link below:

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<the state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov

1. Transaction returned

<<Name of User>>,

This is to notify that your payment for your transaction has been returned. Please CLICK HERE to contact customer support at the earliest. You can find the details of the transaction from the link below:

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<the state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov

1. Transaction on Hold

<<Name of User>>,

The transaction you have created is in on hold. Please contact customer support for further details. You can find the details of the transaction from the link below:

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<the state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov

1. Transaction Delivery on Hold

<<Name of User>>,

The payout of your transaction in on hold. Please contact customer support for further details. You can find the details of the transaction from the link below:

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<the state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov

1. Transaction Delivery Failed

<<Name of User>>,

We were unable to deliver your transaction. Please contact customer support for further details. You can find the details of the transaction from the link below:

<<Link to redirect the user to their dashboard in transaction history section>>

<<SMP>> Team

Email: <Support Email>

Phone: <Phone>

The service is being provided by:

<<FI Partner Logo>>

<<Name of FI Partner>> maintains money transmitter licenses in <<The state from where the user has registered>>. The funds for your money transfer will be debited from your bank account by <<Name of FI Partner>> and <<Name of FI Partner>> is solely responsible for processing your international remittance. Click here for Licensing information.

Your Error Resolution Rights:

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at <<Error Resolution Phone no. of FI Partner>> or <<E-mail Address of FI Partner>>. You can also contact us for a written explanation of your rights.

You have 30 minutes to cancel this transaction. To cancel this transaction please call us at <<Transaction Cancelation Phone no. of FI Partner>> or email us at <<E-mail address of FI Partner>>.

Your Cancellation Rights:

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about <<Name of FI Partner>>, contact: <<Email address of FI Partner>>.

Complaint Resolution:

<<Name of FI Partner>> is licensed and regulated by <<Name of State Authority>>. If you have complaints with respect to any of the money transmission activities conducted at this location, please contact:

<<Contact Details of State Authority>>

Consumer Financial Protection Bureau (CFPB):

(855) 411-CFPB (2372) TTY/TDD (855) 729-CFPB (2372)

8:00 AM - 8:00 PM Eastern, Monday - Friday

http://www.consumerfinance.gov