The Bank accepts and reviews complaints from customers regarding the services of Coinstar Money Transfer system in an expeditious manner, and on the complaints received in writing, informs the applicant about the decision in accordance with existing regulations. Low-cost technologies have allowed Coinstar Money Transfer to lower the cost of transfers. Coinstar Money Transfer System works via the Internet, as opposed to Western Union and MoneyGram, which for the money transfers information are using their own internal networks. Unclaimed for a year Coinstar money transfers are returned to the sender on request. To date, Coinstar Money Transfer controls the agency network of more than 16,500 locations in more than 135 countries around the world.