Glossary

Glossary Grid Abbreviation/Term Definition/Description Able/Unable Determines if an agent is able to send/receive transactions when restrictions are placed on/removed from them. ACH Automated Clearing House; electronic fund-transfer system that facilitates payments in US ACH Denial ACH could not collect funds from a customer's account and they will never reach MGI; there can be many reasons for returned ACH card payments, including insufficient funds, revoked authorization or invalid account number. ACH Return MGI encountered loss on an ACH-funded transaction; after a customer disputes the transaction with their financial institution, it withdraws the funds from MGI and return them to the customer's bank account

ACW After Call Work; time spent after a call to finish off-phone activities related to the handled inquiry AFR/RF6 Available for refund or refund available status Agent Business (and its employees) that offers and sells MGI services AHT Average Handling Time; time spent on a call to resolve consumer's inquiry AML Anti Money Laundering; legal controls requiring money service businesses and other regulated entities to prevent or report money laundering activities; these controls are designed to stop the practice of generating income through illegal actions; money launderers attempt to disguise money in their possession as it is being obtained illegally or through unethical practices; MGI AML activities are important tools in preventing the use of MGI services for money laundering purposes Appeal Case Complaint case that is opened when a customer wants to dispute the resolution of the original complaint CBT Computer Based Training CCR Customer Care Representative; representatives handling incoming consumer inquiries CC/DC Credit Card/Debit Card Chargeback Payment amount that is returned to a customer's debit/credit card after they dispute the transaction with their financial institution; it means that the cardholder's financial institution has withdrawn funds from MGI. Compensation Request for money from MGI COW Change of Ownership CRF Compliance Referral Form Cross-referencing Documenting Reference Numbers of related transactions on each transaction notes Directed Send Person-to-Person Service type that allows funds to be transferred outside of MGI environment to an external partner, and picked up by a physical receiver MG.com, MGO, MoneyGram.com, Online Transfer, MGO Transfer MoneyGram online platform allowing digital transacting EP ExpressPayment Ethoca Alert Charge-back early warning system; if there is an Ethoca Alert note, it means that MGI will soon receive a chargeback Face Amount Transaction base amount (amount physically received by the receiver) without fee and/or delivery costs Face + Fee Total amount paid for the transaction by the sender (face + fee and/or any other charges) Fee Amount Amount charged for a service delivery (wiring money); varies based on transaction amount and transaction corridor FI Financial Institution; institution (public or private) that collects funds (from public or other institutions) and invests them in financial assets Fixed Exchange Rate Exchange rate determined at the time of send and unchangable once set, regardless of the exchange rate fluctuations Foreign Currency Money (of any country) in any form when in use or circulation as a medium of exchange, especially circulating banknotes and coins; banks trade in foreign currency either by actually handling currency/checks, or by establishing balances in foreign currencies with banks in those countries Foreign Exchange Rate Trading in or exchanging foreign currencies in relation to the US funds; exchange rates are established and quoted for the various foreign currencies based on the currency supply, demand and stability FF FormFree; method of wiring money transfer, where consumer calls MGI call center to complete the transfer. Consumer is then issued a transaction number, which they must take to the counter and subsequently pay for the transaction (face and fee) Francophone Africa French-speaking and a few Portuguese-speaking countries in Africa GPS Global Payment Services HLD Hold status Human Trafficking Also known as Trafficking of Persons; trade of humans, most commonly for sexual slavery/forced labor. Indicative Exchange Rate Exchange rate applied at the time of receive; receiver is free to contact receive locations to learn their offered rates at a given time Interac Online payment method available for MGO Canada customers only IVR Interactive Voice Response; voice-automated system providing primary information and selections to consumers who are contacting MGI call center Know Your Customer (KYC) Anti-money laundering policies and procedures used to determine the true identity of a customer and the type of activity that is normal and expected, and to detect activity that is unusual for part the customer. LAC Latin America Countries or Latin America & Caribbean (countries) LE Law Enforcement LOB Line of Business, e.g. Tier1/Money Transfer, MGO, Holds, TDD, Escalations, etc. LOC Location Magreb Term ordinarily referred to the combined area of Morocco, Algeria and Tunisia MGI Stock ticker symbol for MoneyGram International MGNO MoneyGram Not Option; customer cannot use MGI due to risk of scam or other high-risk send activity MO Money Order Money Laundering Money obtained illegally or via unethical practices, and used to conceal its origin (e.g. by purchasing properties, sending over to other people, distributing in different sorts of investments) Money Transfer Order to pay funds electronically by wire or telephone instruction; MGI customers from around the world can send money transfers for a small fee from any MGI agent location. MSB Money Services Business; all financial institutions providing money services MTMO Money Transfer Money Order; wire transfer receive payment method Multi-Currency Feature of the MGI money transfer services (in selected countries), where MGI controls the exchange rate on a transaction and makes funds available to receivers in multiple currencies OFAC Office of Foreign Assets Control; government agency in charge of administering economic sanctions placed by the US on foreign countries that endorse terrorism, or have presented themselves as hostile to the US; as a consequence of such sanctions different persons and businesses (who/which are subject to sanctions) may be restricted from doing business with citizens or businesses in the US Official Fixed Rate Exchange rate supplied by a participating government for converting its national currency to euro; it is stable (fixed). Ombudsman Official appointed to investigate an individual's complaints Payment Systems MGI segment providing outsourced processing and disbursement solutions to Financial Institutions throughout the US; core payment system services include Official Checks, Financial Institution Money Orders and ACH services POE Point of Entry POS Point of Sale PPC Prepaid Card; debit card pre-loaded with funds by a holder or gift giver, that can be used to purchase goods/services and sometimes withdraw cash at ATMs PTP or P2P Person-to-Person wire transfer PWC Pay with Cash; payment option available in US, UK and Canada. Transactions are staged (submitted online) but payments are completed at store locations. PWMB Pay With My Bank (ACH provider for MGO US, Kameleon Walmart and MGO US app) QA Quality Assurance Department RC Receive Code REC Received status Red flag A warning signal that should bring attention to a potentially unusual situation, transaction, or activity REF/RF2 Refunded or refund cash Reference Number 8-digit MGI transaction identification number RFS Refer to Store RTB Real Time Banking; payment method for the European countries and Australia; it allows customers from certain banks to transfer funds online within a couple of hours. Settlement Process of moving cash to fund transactions, such as money transfers official checks, agent receivables and agent payables SEN Sent status SME Subject Matter Expert Sofort RTB system of international online transfers popular in several European countries Subpoena Writ commanding a designated person to appear in court or provide information/documentation, under a penalty for failure; requester may also provide a search warrant, summons, court order or production order Super Agent Larger MGI agent subcontracting third parties, who then become sub-agents and start to offer MGI services under the supervision of their super agent SVC Stored Value Card; also referred to as ExpressPayment prepaid card Terrorist financing Process via which terrorists fund their operations to perform terrorist acts Third Party In primary use, absentee owner of money being sent or received through MGI; also anyone unrelated to the transaction (neither sender, receiver, nor agent) WU Western Union Go to Top

Data Collection Process Terms Question Drop Down Selection Definition/Description Why do you typically use MoneyGram? Business-Related Covering costs and expenses related to transactions being commercial in nature Charity Support Supporting a charity or person in need (other than friends and family) Family/Friends Support Covering family/friends-related expenses, e.g. bills, rent, medicals, education, etc. Third-Party Sending or receiving on behalf of someone else Purpose Bills Utility payments, electricity bills, rent payments, etc. Business Expense Cost of carrying trade or business Donation Helping a person or organization, e.g. charity (other than family and friends) Education Covering education expenses Gift Money given as a present Food Money intended to buy food Investment Acquiring an asset/item with the goal of generating income Legal Obligation Maintenance, compensation, etc. Loan Borrowing/lending money to someone or covering loan-related expenses/installments Medical Expenses Money given to medical-related treatments, illness, injuries, etc. Payment for Goods/Services Paying for purchased items/services Salary Fixed compensation paid periodically to a person for a regular work/services Travel Expenses Covering expenses related to travel, e.g. plane tickets Unknown Sending or receiving funds for unknown purpose Other N/A Relationship Acquaintance Person slightly known by another one, but not their close friend Business Partner Person, along with another one, having a significant role in owning, managing or creating a company Client Person receiving service/item in return for the payment Close Friend Person known and met in person by another one, with a bond of mutual affection existing between them, typically exclusive of sexual/family relations Contractor Person agreeing to furnish materials/perform services at a specified price Employee Person employed for wages or salary Employer Person hiring employees/workers and offering them wages or salary in exchange for their work/labor Family Member Any person closely related to another one by blood, e.g. parent, child, uncle, grandmother, brother, etc. Online Friend Person known by another one exclusively via Internet (including social networking sites, e.g. Facebook, Instagram, etc.) and/or e-mail Third Party Select only when the sender or receiver acts as an intermediary. Vendor Person offering something for sale Other N/A Occupation Administrative Office assistant, secretary, etc. Agriculture Farmer, forestry, animal/plant care, etc. Automotive Automotive sales/repair person, private driver, bus driver, train/subway conductor, etc. Consulting Person working for a consulting company on any position Customer Care/Retail Customer service representative, cashier, salesperson Education Lecturer, teacher, administrator, writer, librarian, academic professor, researcher, explorer, scientist, etc. Engineer Practitioners of engineering; professionals inventing, designing, analyzing, building and/or testing machines, systems, structures and/or materials Entertainment Actor, fashion designer, photographer, interior designer, dancer, painter, singer, musician, decorator, TV presenter, journalist, marketing, etc. Entrepreneur Someone making money by having their own business Executive Chief Executive Officer, Executive Committee Member (e.g. Chief Financial Officer etc.), highly-ranked manager, etc. Note: if a person is an executive in their own company, select Entrepreneur. Explicit Services Erotic dancer, escort services, prostitute, etc. Financial Services Accountant, financial advisor, budget analyst, auditing clerk, bank teller, actuary, insurance underwriter, loan officer, etc. Healthcare Doctor, dentist, veterinarian, nurse, pharmacist, medical assistant, paramedic, physical therapist, dental hygienist, dietitian/nutritionist, etc. Human Resources HR employee, HR consultant, etc. Information Technology (IT) Computer programmer, computer systems analyst, database administrator, software/web developer, etc. Legal Judge, lawyer, court reporter, compliance officer, etc. Personal Services Cosmetologist, fitness trainer, hairdresser, masseur, etc. Physical Worker Factory worker, manual worker, manufacturing/constructions worker, plumber, electrician, housemaid, cleaning person, etc. Public Servant Diplomatic corpus, political leader (e.g. head of political party, Prime Minister, etc.), director of a public company, leader of an international organization, military leader (including retiree), police officer, firefighter, public security guard, functionary, postal service worker, low-rank public/government employee, etc. Religious Cleric/pastor, religious organization/group Restaurant Chef, bartender, waiter/waitress Retiree Person retired from a working or professional career Sport Football player, athlete, boxer, wrestler, etc. Student Person studying at a university or having a higher education Note: if a person studies and works simultaneously, select the respective occupation. Unemployed/Homemaker Person not employed and not performing any other form of paid work Person (especially a housewife) managing their own home/house (not involved in commercial activities) Source of funds Family Funds Funds belonging to a family and not earned by the sender Inheritance Funds coming from inheritance (i.e. money/objects received from someone after that person has died) Loan Funds coming from a loan taken by the sender at a financial institution, e.g. bank Lottery/Gambling Funds coming from lottery/gambling winnings Pension Funds coming from a sender's pension (i.e. regular income paid by a government to someone who no longer works, usually because of their age/health) Salary Funds coming from a sender's salary (i.e. fixed compensation paid to a person periodically for regular work/services) Sale of Property Funds coming from a sale of property Savings Funds coming from sender's savings Social Benefits Funds coming from social benefits granted to a sender Third Party Funds coming from someone else/unknown source Go to Top MGO Cryptocurrency Glossary Grid Abbreviation/Term Definition/Description Asset Balance Digital assets on a customer's MGO crypto profile; asset balance data can be found in Admin under the customer profile, Crypto Transaction section. Price of digital assets relative to fiat currencies is volatile. BTC Bitcoin, cryptocurrency type available for trading to MGO crypto users Coinme, Coinme Inc. Company that MGI partnered with to offer the MGO Crypto service; all digital assets are held in custody by Coinme and it controls all buys, sales and transfers on the MGO crypto profile. Crypto Account UID Unique ID number assigned to an MGO customer who registered the MGO crypto profile, used for communicating with Coinme Crypto Reimbursement Process of repaying funds for the digital assets owned by the customer whose MGO profile was closed along with their crypto account, due to security reasons; MGI Finance Team converts digital assets into a fiat currency, and issues and posts a check to the customer's address included on their profile in Admin. Cryptocurrency, Crypto Digital asset or virtual currency secured by cryptography; many cryptocurrencies are based on the blockchain technology and generally exist outside of the control of governments and central authorities, e.g. central banks. Value of each cryptocurrency is volatile, determined by supply and demand. Examples of cryptocurrencies include Bitcoin, Stellar and Litecoin. DOGE Dogecoin, cryptocurrency type available for trading to MGO crypto users ETH Ethereum, cryptocurrency type available for trading to MGO crypto users Fiat Currency Government-issued and controlled currency not backed by any commodity, such as gold; most modern currencies are fiat currencies, e.g. US dollar (USD). LINK Chainlink, cryptocurrency type available for trading to MGO crypto users LTC Litecoin, cryptocurrency type available for trading to MGO crypto users MGO Crypto Profile MoneyGram Online sub-profile that a customer needs to register to use the crypto service offered by MGI in partnership with Coinme, allowing them to buy, sell and hold different cryptocurrency types via MGO native app MATIC Polygon, cryptocurrency type available for trading to MGO crypto users XLM Stellar, cryptocurrency type available for trading to MGO crypto users