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Information contained in this communication should not be regarded as an offer, solicitation, promotion, or advertisement of any financial services (including money transfer services) in any country where such offer, solicitation, promotion, or advertisement is not permissible under applicable local law(s). If you are in a country other than the United States of America, we will only provide you with any services through this communication where you ask us to provide the services on your own exclusive initiative. In those cases in which we provide you with any services on the aforementioned basis, such services are provided by Ontop Holdings Inc. and its affiliates in the United States of America and not in your country of residence.