DT&T MONEY TRANSFER IS SUBJECT TO THE FOLLOWING TERMS ANDCONDITIONS:
The Terms and Conditions below are in effect for all DT&T and WWW.DTTCL.COM transactions on or after 1st of October, 2004. The Terms and Conditions set forth below describe the terms and conditions that apply to and govern your access to and use of the DT & T website and Services (as defined below). Do not use or access the DT & T website or Services if you do not agree to be bound by such Terms and Conditions.

DT & T MONEY TRANSFER SERVICE
Transfer Request Form must be completed in full with the full name of sender, address and telephone number.
Recipient name must be as it appears on their VALID
identifications which should be either an International Passport or Driver's licence. Any other forms of valid identification must be
communicated to us via the Transfer Request Form.
The Receiver must present a valid form of identification in
accordance with DT & T policies. Sender and Receiver
represent, warrant and certify to DT & T that its and their use of the Services shall not in any way, directly or indirectly, (a) violate any law, statute, ordinance, contract or
regulation, including but not limited to any law, statute, ordinance, contract or
regulation
relating to money laundering, illegal gambling activities, support for terrorist activities,
fraud or theft, and/or (b) violate any of the Terms and Conditions of use. When required by applicable law, money transfers will be reported to Custom & Excise, NCIS or foreign authorities. In addition, DT & T will cooperate with law enforcement in the prosecution of illegal activities to the fullest extent permitted by applicable law. You will be required to
provide DT & T with certain information to allow us, among other things: to verify your identity and source of funds to be transferred. You agree that the information you
provide is not false, inaccurate or misleading.

FEES
In consideration for the use of the Service, you agree to pay to DT & T a fee for each money transfer initiated by you at the applicable rate then in effect (the "transfer fee"). The applicable transfer fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services.

CURRENCY EXCHANGE
The exchange rate on the day of the cleared funds will be used for your transaction.
You agree that payment will be made to recipient in local
currency. Exchange rate is subject to change without prior
notification. You agree that payment made by cheque and other methods apart from CASH DEPOSIT will need to be cleared by the bank before such transaction can be processed. You agree that the exchange rate on the day of the cleared funds will be used for your transaction

RECIPIENT ACCOUNT PAYMENTS
When recipient account payments are made, DT & T will guarantee and prove
payment into a branch of the bank. You agree thereafter that DT & T cannot take responsibility as to the length of time it will take for funds to be available in recipient account. You agree that DT &T will not be liable for errors in account payments for any reasons whatsoever.

CHARGES FOR AMENDMENT OF TRANSACTION
You agree to pay an Amendment Charge of £5 (FIVE POUND STERLING) for
amending a transaction that has been processed by DT & T already, based on the
information you supplied to us on the Transfer Request Form. You agree that the charge will have to be paid to our collecting agent specified by DT & T or paid
directly into DT & T Corporation Ltd Clients Account with Lloyds TSB Bank. You agree that for every amendment made to a specific transfer, a £5 charge will apply.

REFUNDS
REFUNDS OF PRINCIPAL AMOUNT and cancellation of the money transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by DT & T.
You agree that TRANSFER FEES will NOT be refunded after the transaction has been processed by DT & T. You agree that REFUND OF CAPITAL AMOUNT can only be made after 5 WORKING DAYS from day of request for cancellation.

LIMITATION OF LIABILITY
IN NO EVENT SHALL DT & T BE LIABLE FOR DAMAGES FOR DELAY,
NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY MONEY
TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY
NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF £0.00 (in addition to refunding the principal amount of the money transfer). IN NO EVENT WILL DT & T BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL EXEMPLARY OR
PUNITIVE DAMAGES, OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.

DT & T reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. DT & T assumes no obligation to make payment of the money transfer or to complete the applicable money transfer transaction if DT & T does not receive the required document supporting the
transaction. DT & T is not affiliated with or responsible for goods and/or services
provided by its collecting agents. DT & T reserves the right to refuse to provide the Services to you, at any time, for any reason deemed necessary to protect DT & T's interests.

INDEMNITY
You agree to indemnify, defend and hold harmless DT&T, and all its officers,
directors, owners, agents, employees, affiliates, licensors, licensees and third party service providers (collectively, the "Indemnified Parties") from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without limitation, reasonable solicitors fees) incurred by the Indemnified Parties in connection with any claim arising out of, based upon or resulting from (i) Your access to and/or use of the DT & T website or Services
including, without limitation, the money transfer services; and/or (ii) Your violation of the Terms and Conditions. DT & T reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you. You shall not in any event settle any matter without the written consent of
DT & T.

ELECTRONIC DELIVERY OF FUTURE DISCLOSURES
You agree to accept all subsequent disclosures (including, without limitation,
disclosures required under federal or state laws relating to privacy or electronic fund
transfers) and other communications between you and DT & T on this website,
transfer request form and at the primary email address you provided during
registration. You may print and retain a copy of all such disclosures and
communications by using Your personal computer and printer. In the event that Your primary email address changes, You must notify DT & T. You may revoke Your
consent at any time by contacting customer service.

INTELLECTUAL PROPERTY
The DT & T website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by DT & T or third parties, and all right, title and interest therein and thereto shall remain the property of DT & T and/or such other third parties. The DT & T website and Service may be used only for the purpose permitted by these Terms and Conditions. You are authorized solely to view and retain a copy of the pages of the DT & T website for Your own personal,
non-commercial use. You agree that you may not duplicate, publish, modify, create
derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the DT & T website, the Service or any portion
thereof for any public or commercial use without the express written consent of
DT & T. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the DT & T website and/or Service; and (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the DT & T
website (or printed pages thereof). The name DT & T and other names and indicia of ownership of DT & T's Service are the exclusive marks of DT & T or other third
parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.

MISCELLANEOUS
These Terms and Conditions, together with all other items incorporated herein by
reference, embody the entire agreement and understanding between You and
DT & T and supersede all prior agreements or understandings You have with DT &T.
DT & T has the right to assign these Terms and Conditions to a subsidiary or
affiliate company, or any third party, at any time without Your consent. You may not assign or transfer these Terms and Conditions without DT &T's prior written consent. If any one or more of these Terms and Conditions shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable. Your access to and use of the DT & T website and Service is governed by English law, without regard to its rules regarding conflicts of law. The DT & T
website and Service are directed to persons age 18 and over residing in the United Kingdom. The DT & T website and Service are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.
For consumer inquiries or comments in English, please write to: DT&T Corporation Ltd, 128 Upper Clapton Road, London E5 9JY