It is not a convenient way to send money in the Provence. I was not informed when I went to send funds to La Union that it was a pick-up carrier. I was used to sending where it is delivered Door to Door. When my cousin did go to the M Lhuillier office in Agoo, La Union in the morning, she was told to come back in the evening for the funds were not avaiable. It is an hour Jeepney rided to and from where she lives. What facility will not have funds available. It was not a huge amount. It cost me a lot more money than sending thru PNB or LBC. Use the Door to Door. It is worth the extra $2.00. Like I said I paid a lot more in the end and a lot more hassle. M Lhuillier need to be a lot more professional and efficient with their services.