Time to get your NHT Refund?
Collecting your NHT refund is easy with JMMB Money Transfer
You are just 3 easy steps away:
STEP 1: Complete the NHT Contribution Refund Application Form
STEP 2: Choose Pay via Remittance Agency and select JMMB Money Transfer
STEP 3: Pick up your refund from JMMB Bank, any of our over 100 agent locations island-wide, or send directly to any bank account in Jamaica, USA, UK, and Canada.
Get started now!
Click here for NHT Application Form
Click here for NHT Deposit Authorization Form
Send Money to Jamaica Through Our International Partners
Xoom™ offers Jamaicans living abroad the convenience of sending remittances online, by using a credit card or checking account to fund the transaction. It takes as little as 24 hours. Only online.
RIA has over 10,000 agent locations throughout North America and a solid track record for fast, dependable and safe money transfers. Both online and in stores.
Union Caribe helps residents of Aruba, St Maarten, and Curacao send money transfers to Jamaica through a special agreement. Union Caribe has five agent locations, and is authorized by the Central Banks of Aruba and St. Maarten to operate a remittance service. Stores only.
Sigue Money Transfer (formerly Coinstar Money Transfer) allows Jamaicans working as far away as Africa, the Middle East, Europe, and Canada to now send money back home. Stores and online.
Omni Transfers and Payments provides Jamaicans living and working in the Bahamas with a faster, cheaper way to send money home to their friends and loved ones. It operates three locations in Nassau, Grand Bahamas, and Exuma. Stores only.
WorldRemit enables customers to send remittances to family and friends in the UK and Canada (and around the world), using a variety of payment options including debit cards and credit cards. Online only.
Small World offers a secure, fast, and inexpensive way to send and receive money anywhere in the world (especially Spain, Belgium, UK and Switzerland). Customers can make payments in any country – in person, online or by mobile. Beneficiaries in Jamaica can collect the payment through any bank account or cash pickup. Stores only.
C.A.M. Transfer is the largest money transfer provider with locations in Grand Turks, Providenciales, and South Caicos. C.A.M. has a total of 6 locations. Stores only.
Transfast allows you to save more on your money transfers. They've served millions of happy customers in 120+ countries for 25+ years. Send money online.
See our Agents in Jamaica*:
Please note that agent locations listed below in green, offer intra-island send services. You may collect money from all agent locations.
Clarendon
| Chapelton | Hansell Patrick Hill T/A Chapelton Investment | Main Street | 876-987-2732 | Mondays-Saturdays |
| Kellits | C&WJ Co-operative Credit Union Ltd. | Main Street | 876-966-8839 | Mondays-Thursdays (8:30am-3:00pm) & Fridays (8:30am-4:00pm) |
| Lionel Town | C&WJ Co-operative Credit Union Ltd. | Bustamante Drive | 876- 986-3021 | Mondays-Thursdays (8:30 am - 3:00 pm) & Fridays (8:30 am-4:00pm) |
| Lionel Town | Stewart’s Hardware Ltd. | Bustamante Drive | 876-986-3550 | Mondays-Saturdays (8:00 am-5:00pm) |
| May Pen | Access Cambio | 28 Main Street | 876-986-6096 or 876-986-7124 or 876-986-7313 or 902-3729 | Mondays-Saturdays (8:30am-5:00pm) Wednesdays (8:30am- 4:00pm) |
| May Pen | C&WJ Co-operative Credit Union Ltd. | 2 Main Street | 876-986-2287 or 876-986-2090 or 876-986-7441 or 876-986-7695 | Mondays-Thursdays (8:30am-3:00pm) & Fridays (8:30am-4:00pm) |
| May Pen | First Heritage Co-operative Credit Union Ltd. | Shops 5 & 6, Bargain Village | 876-929-5142 | Mondays,Tuesdays, Fridays (10:00am-6:00pm)Wednesdays-Thursdays (8:00am-2:00pm) |
| May Pen | Paymaster Jamaica Limited | Shop # 7, Bargain Village Shopping Centre. 35 Main Street | 876-902-3121 | Mondays-Saturdays (8:30am to 5:00pm) |
| May Pen | Stewart’s Hardware Ltd. | 56 Manchester Avenue | 876-986-1114/876-986-4230 | Mondays-Saturdays (8:00am -5:00pm) |
| Spaldings | VW Investments Company Limited | Main Street | 876-964-0604 | Mondays-Wednesday & Friday (8:00am-5:00pm), Thursdays (8:00am-4:00pm) Saturdays (8:00am-5:30pm) |
Kingston and St Andrew
| Airport | Palisadoes Co-operative Credit Union Ltd. | Norman Manley Int'l Airport, Palisadoes | 876-932-7107 or 876-932-8206 | Mondays, Tuesdays & Thursdays (9:00am-4:30pm)Fridays(9:00am-4:00pm) Wednesdays (9:00am- 2:30pm) | |
| Cross Roads | COK Sodality Co-op. Credit Union Ltd. | 66 Slipe Road, Kingston 5 | 876-968-5530 | Mondays-Thursdays(8:00am-4:00pm) Wednesdays (8:00am-2:00pm) & Fridays(8:00am-3:00pm) | |
| Cross Roads | First Heritage Co-operative Credit Union Ltd. | 8-10 Eureka Road, Kingston 5 | 876-929-6412or 876-929-0544 or 876-929-5142 | Mondays,Tuesdays,Wednesdays,Fridays (8:00am-3:00pm) Thursdays (8:00am-2:00pm) | |
| Down Town | C & WJ Co-operative Credit Union Ltd. | 9 East Parade, Downtown | 876-967-6901or 876-932-2733 | Mondays-Thursdays (8:30am-3:30pm) Fridays(8:30am-4:00pm) | |
| Down Town | First Heritage Co-operative Credit Union Ltd. | 10 East Avenue, Kingston 4 | 876-922-1960 | Mondays-Fridays (8:30am-3:30pm) | |
| Down Town | New Variety Drug Store (The Service Pharm) | 22 West Parade, Kingston | 876-967-3811or 876-948-4865 | Mondays-Saturdays(9:30am-5:00pm) Wednesdays (9:00am-1:00pm) | |
| Half Way Tree | C & WJ Co-operative Credit Union Ltd. | 51 Half Way Tree Road, Kingston 10 | 876-926-9430-1or 876-936-3800or 876-936-2134 | Mondays-Thursdays(8:30am-3:30pm) Fridays(8:30am-4:00pm) | |
| Half Way Tree | COK Sodality Co-op. Credit Union Ltd. | Winchester Business Centre Units 9 & 10., 15 Hope Road, Kingston 5 | 876-920-5366 | Mondays-Thursdays(8:00am-4:00pm) Wednesdays (8:00am-2:00pm) Fridays (8:00am-3:00pm) | |
| Half Way Tree | Direct Exchange Financial Services Ltd. | Shop # 6 York Plaza, 1-3 Hagley Park Road, Kingston 10 | 876-906-8377 | Mondays-Saturdays (8:30am -6:00pm) | |
| Half Way Tree | P & A Wireless Services Ltd. | Shop 11 Clock Tower Plaza, | 876-920-5447/876-920-7606 | Mondays-Thursdays (9:00am-5:30pm) & Fridays-Saturdays (9:00am-6:00pm) | |
| Half Way Tree | Paymaster Jamaica Limited | Brooklyn Supermarket, Twin Gates Plaza, Kingston 10, | 876-908-2864 | Mondays-Saturdays (9:00am-7:00pm) | |
| Half Way Tree | Paymaster Jamaica Limited | Lee's Food Fair, 86B Red Hills Road, Kingston 10, | 876-925-2536 | Mondays-Saturdays (9:00am-7:00pm) | |
| Half Way Tree | Paynow Investments Ltd. | Shop #1 Park Plaza, 2 Ellesmere Road, | 876-754-6799 | Mondays-Fridays (8:30am-5:30pm) & Saturdays (9:00am-4:30pm) | |
| Harbour View | Paymaster Jamaica Limited | Shopper's Fair Supermarket, Shop 49 Harbour View Shopping Centre, Harbour View, Kingston 17 |
|
Mondays-Saturdays (9:00am to 7:00pm) | |
| Kingston | Paymaster Jamaica Limited | SuperValu Supermarket, 58 Mannings Hill Road, Kingston 8 | 876-755-0216/ 876-924-2121 | Mondays-Saturdays (8:00am to 6:00pm) | |
| Kingston | Paymaster Jamaica Limited | Shop 13, Duhaney Park Plaza, Kingston 20 | 876-934-6823 | Mondays-Saturdays (9:00am-6:00pm) | |
| Kingston | Paymaster Jamaica Limited | Shop 2B Sovereign Centre, Kingston 6 | 876-978-9035 | Mondays-Saturdays (8:00am-7:00pm) | |
| Kingston | Paymaster Jamaica Limited | Shop # 9 Southdale Plaza, Kingston 10 | 876-968-2283 | Mondays-Saturdays (9:00am-6:00pm) | |
| Kingston | Paymaster Jamaica Limited | Select Grocers, Shop #13, Upper Manor Park Plaza, Constant Spring, Kingston 8 | N/A | Mondays-Saturdays (9:00am-6:00pm) | |
| Lawrence Tavern | First Heritage Co-operative Credit Union Ltd. | Lawrence Tavern P.O. | 876-929-5142/942-8182 | Mondays- Wednesdays (8:30am-3:00pm) Thursdays (8:30am-2:00pm) Fridays (8:30am-4:00pm) | |
| New Kingston | First Heritage Co-operative Credit Union Ltd. | 20 Dominica Drive, Kingston 5 | 876-926-3628or 876-920-3756 or 876-920-2822 | Mondays-Fridays (8:30am-3:30pm) | |
| New Kingston | JMMB Bank (Jamaica) Ltd. | 5 Haughton Avenue Kingston 10 |
876-998-5662 | Mondays – Fridays (8:30am–3:30pm) | |
| New Kingston | JMMB Bank (Jamaica) Ltd. | 11 Knutsford Boulevard, Kingston 5 | 876-960-5320-6 | Mondays-Fridays (9:00am-3::30pm) | |
| New Kingston | Paymaster Jamaica Limited | 63-67 Knutsford Boulevard | 876-968-4508 | Mondays-Fridays (8:00am-6:00pm) | |
| New Kingston | Paymaster Jamaica Limited | John R. Wong Supermarket, 1 Tobago Avenue, | 876-960-3107 | Mondays-Fridays (9:00 am-7:00pm) | |
| Stony Hill | Petromac Service Centre Limited | Main Street, Stony Hill | 876-942-2077 | Mondays-Wednesday (8:00am to 8:00pm) and Thursday-Saturday (8:00am-9:00pm) |
Manchester
| Christiana | Manchester Co-op. Credit Union Ltd. | Main Street | 876-964-2408 or 876-964-3648 | Mondays-Fridays (8:30am-3:00pm) & Saturdays (9:00am-12:00pm) |
| Mandeville | COK Co-op. Credit Union Ltd. | Units 1, 2 & 8 Mandeville Plaza | 876-920-6501-5 | Mondays, Tuesdays &Thursdays (8:00am-4:00pm) Wednesday(8:00am- 2:00pm) Fridays (8:00am-3:00pm) |
| Mandeville | First Heritage Co-operative Credit Union Ltd. | Brumalia Town Centre, 2 Perth Road | 876-929-5142 | Mondays-Fridays(8:30am-3::30pm) |
| Mandeville | Tiffymor Financial Services Ltd. | Shop# 7, 20 Mandeville Plaza | 876-962-9668 | Mondays-Saturday (9:00am-6:00pm) Wednesdays (9:00am-1:00pm) |
| Mandeville | JMMB Bank (Jamaica) Ltd. | 23 Ward Avenue | 876-625-2351/ 876-625-4450-2 | Mondays–Fridays (8:30 am – 3:30 pm) |
| Mandeville | Manchester Co-op. Credit Union Ltd. | 2 Main Street | 876-962-0401 or 876-962-0830 or 876-962-3584 | Mondays-Fridays (8:30am-3:00pm) & Saturdays (9:00am-12:00pm) |
| Mandeville | Moopenn’s Essential & Gifts | 4 Park Crescent | 876-962-3696 | Mondays- Thursdays (8:30am-5:00pm) Fridays (8:30am-6:00pm) & Saturdays (8:30am-6:30pm) |
| Mandeville | P & A Wireless Services Ltd. | Shop 4 Reliance Centre, 25-37 Manchester Road | 876-963-8371 | Mondays-Thursdays (8:30am-5:30pm) & Fridays-Saturdays (8:30am-6:00pm) |
| Mandeville | Paymaster Jamaica Limited | Shopper's Fair Supermarket, 5 1/2 Caledonia Road | 876-625-1285 | Mondays-Saturdays (9:00am to 6:00pm) |
| Mandeville | Stewart’s Hardware Ltd. | Corner of Ward Avenue & Winston Jones Highway | 876-323-5699/876-810-3578 | Mondays-Saturdays (8:00am-5:00pm) Sundays (9:00am-4:00p.m.) |
| Porus | Persad’s Texaco | Main Street | 876-904-1141 | Mondays-Saturdays (8:00 am -6:00pm) |
Portland
| Port Antonio | Tari Solutions Company Ltd. | 17 Harbour Street | 876-715-1007 | Monday-Saturdays (9:00am -5:00pm) |
| Buff Bay | Winston Walter Richards T/A Screechie’s Service Shop | Shop 4, 24 St. Georges Street | 876-913-6083 | Mondays-Saturdays(9:00am-5:00pm) |
St Ann
| Alexandria | Prostreak Enterprise | Shop#4 Brown's Plaza, Main Street | 876-975-1539 | Mondays-Saturdays (8:00am-7:00pm) |
| Brown's Town | The Ocho Rios Card Centre | Shop 10-11 Clemetson Plaza, | 876-917-7562 | Mondays-Thursdays (8:30am-5:30pm) Fridays-Saturdays (8:30- 6:00pm) |
| Discovery Bay | Puerto Financial Services Limited | Main Street, Discovery Bay | 876-973-9721 | Mondays-Saturdays |
| Ocho Rios | JMMB Bank (Jamaica) Ltd. | Ground Floor,2 Graham Street, Ocho Rios, St. Ann Guardian Life Building | 876-974-8507 | Mondays-Fridays (9:00am-4:00pm) |
| Ocho Rios | The Ocho Rios Card Centre | Lot 2 Point Crescent | 876-974-6966/795-4747 | Mondays-Thursdays (8:30am-5:30pm) Fridays-Saturdays (8:30- 6:00pm) |
| St. Ann's Bay | The Ocho Rios Card Centre | 6 1/2 Main Street | 876-972-0709 | Mondays-Thursdays (8:30am-5:30pm) Fridays-Saturdays (8:30- 6:00pm) |
St Catherine
| Bog Walk | Berry-Don Company Limited | Shop # 2 Cadoo's Plaza, Main Street | 876-708-2136 | Mondays-Saturdays (8:00am-4:00pm) |
| Greater Portmore | Paymaster Jamaica Limited | Shopper's Fair Supermarket, Greater Portmore Shopping Centre | 876-949-0404 | Mondays-Saturdays (8:30am-7:00pm) |
| Greater Portmore | The Service Pharm-Greater Portmore | Shop 122 Greater Portmore Shopping Centre | 876-989-2448-9 | Mondays-Saturdays (10:30am - 5:00pm) |
| Linstead | Berry-Don Company Limited | Upstairs 44C, King Street | 876-903-2022 | Mondays, Tuesdays, Thursdays & Fridays (8:30am-5:00pm) Wednesdays (8:30am-4:30pm) Saturdays (8:30-5:00pm) |
| Linstead | Paymaster Jamaica Limited | 48A King Street | 876-903-4655 | Mondays-Fridays (8:00am-5:00pm) & Saturdays (9:00am-5:00pm) |
| Old Harbour | First Heritage Co-operative Credit Union Co-operative Credit Union Ltd. | Shops 8 & 9 East Side Plaza, 35 East Street | 876-745-3645-6 | Mondays-Wednesdays (8:30am-3:00pm) Thursdays (8:30am-2:00pm) & Fridays (8:30am-4:00pm) |
| Old Harbour | Mei Chun Chan T/A Janes Variety Store | 9 East Street | 876-983-6138 | Mondays-Saturdays (8:00am-8:00pm) |
| Old Harbour | Stewart’s Hardware Ltd. | 82 East Street, Old Harbour St. Catherine | 876-745-2841 / 876-797-6561/ 342-0853 | Mondays-Saturdays (8:00a.m. - 5:00p.m.) Sundays (9:00 am-4:00 pm) |
| Portmore Mall | COK Sodality Co-op. Credit Union Ltd. | Shop # 3, McMaster's Centre, Waterford P.O. | 876-988-5375 or 876-988-2833 | Mondays-Tuesdays,Thursday (9:00am-4:00pm) Wednesday (9:00am- 2:00pm) Friday (9:00am- 4:00pm) |
| Portmore Mall | First Heritage Co-operative Credit Union Co-operative Credit Union Ltd. | Lot 57, West Trade Way, Portmore Town Centre | 876-988-0781 or 876-988-0753 | Mondays-Wednesdays (8:30am-3:00pm) Thursdays (8:30am-2:00pm) & Fridays (8:30am-4:00pm) |
| Portmore Mall | Paymaster Jamaica Limited | Shopper's Fair Supermarket | 876-998-5104 | Mondays-Saturdays (9:00am-7:00pm) |
| Spanish Town | First Heritage Co-operative Credit Union Co-operative Credit Union Ltd. | Lot 13, 6 March Pen Road, Oasis Shopping Centre | 876-749-3920 | Mondays-Wednesdays (8:30am-3:00pm) Thursdays (8:30am-2:00pm) & Fridays (8:30am-4:00pm) |
| Spanish Town | Jazat Investments Limited | Shop #12 Sydenham Commercial Complex, Old Harbour Road | 876-748-1801/648-7220 | Mondays-Saturdays (8:30am-7:30pm) & Sundays (10:00am-7:30pm) |
| Spanish Town | La Vega Pharmacy | Shop # 9 St. Jago Shopping Centre, Burke Road | 876-943-8292 or 876-749-2487 | Mondays-Saturdays (9:00am-5:00pm) |
| Spanish Town | Paymaster Jamaica Limited | Shopper's Fair Supermarket, 2 White Church Street | 876-749-2502 | Mondays-Saturdays (9:00am to 7:00pm) |
| Spanish Town | Paymaster Jamaica Limited | Shopper's Fair Supermarket, Corner Brunswick Avenue and Eltham Park Road | 876-578-7518 | Mondays-Saturdays (9:00am-6:00pm) |
| Spanish Town | Shop & Save Supermarket | Shop #18, St. Jago Shopping Centre, Burke Road | 876-984-4697or 876-907-0907 | Mondays-Saturdays (9:00am-5:00pm) |
St Elizabeth
| Junction | Paymaster Jamaica Limited | Shopper's Fair Supermarket, Roye's Plaza | 876-965-8777/412-6905 | Mondays-Saturdays (9:00am-5:00pm) |
| Santa Cruz | Redman's Service Shop (Levon Electrical & Hardware) | 23 Coke Drive | 876-966-9746-7 Fax: 966-9139 | Mondays-Saturdays (8:00am-4:30pm) |
St James
| Montego Bay | COK Sodality Co-op Credit Union | 30-34 Market Street | 876-952-5957 | Mondays,Tuesdays,Thursdays,Fridays (8:00am-4:00pm)Wed. (8:00am-3:00pm) |
| Montego Bay | First Heritage Co-operative Credit Union Ltd. | 21 Union Street | 876-971-0688 or 876-971-0498 or 876-971-4807 | Mondays - Fridays (8:00am-3:00pm) |
| Montego Bay | Frey King Limited |
Shop 1A Casa Montego Arcade, Jimmy Cliff Blvd. |
876-952-7647 or 876-940-1180 |
Mondays-Saturdays (8:30am-6:45pm) |
| Montego Bay | JMMB Bank (Jamaica) Ltd. | 25 Church Street | 876-979-1707 | Mondays-Fridays (8:30am-3:30pm) |
| Montego Bay | JMMB Bank (Jamaica) Ltd. | Suite#1, Fairview Office Park, Alice Eldemire Drive | 876-998-5662 | Mondays-Fridays (8:30am-3:30pm) |
| Montego Bay | May'Fos Work & Travel Employment Agency | Shop#7, U & I Plaza, 46 Market Street | 876-979-1457 | Mondays-Saturdays (9:00am-4:00pm) |
| Montego Bay | Paymaster Jamaica Limited | Shop AU6 Whitter Village, 1091 Morgan Road, Ironshore | 876-953-9579 | Mondays-Saturdays (9:00am to 6:00pm) |
| Montego Bay | Paymaster Jamaica Limited | Medifair Pharmacy, 24 Market Street | 876-952-9334 | Mondays-Saturdays (9:00am-5:00pm) |
| Montego Bay | Paymaster Jamaica Limited | Shop 9B Westgate Shopping Centre | 876-971-6982 | Mondays-Saturdays (9:00am-6:00pm) |
| Montego Bay | Trend-Right | Shop 32 City Centre Building | 876-979-5178 | Mondays-Saturdays (8:30am-6:00pm) |
St Mary
| Annotto Bay | D & Y Bill Payment | Bottom Bay, Main Street | 876-996-2927 | Mondays-Saturdays (9:00am-5:00pm) |
| Highgate | D & Y Bill Payment | Main Street | 876-724-1666 | Mondays-Saturdays (9:00am-6:00pm) |
| Port Maria | A.M.L. Bakery Limited | 35 Main Street | 876-994-2453 | Mondays-Saturdays (9:00am-4:30pm) |
| Gayle | Paymaster Jamaica Limited | Gayle Main Street | 876-975-8273/578-3174 | Mondays-Fridays (8:00am to 6:00pm) & Saturdays (9:00am-6:00pm) |
Trelawny
| Falmouth | Demicor Company Limited | 15 Duke Street | 876-954-4910 | Mondays-Saturdays (9:00am-6:00pm) |
| Falmouth | Frey King Limited-Falmouth | 11 Duke Street | 876-617-4461 | Mondays-Saturdays (9:00 am-6:00pm) |
| Albert Town | Trelawny Co-operative Credit Union Ltd. | Main Street | 876-610-1289 | Mondays-Thursdays (8:30am-3:00pm) |
| Falmouth | Trelawny Co-operative Credit Union Ltd. | Water Square | 876-954-3253 or 876-617-5894 | Mondays-Thursdays (8:30am-3:00pm) Fridays (8:30am-4:00pm) & Saturdays (9:30am-1:00pm) |
Westmoreland
| Grange Hill | C & W J Co-op Credit Union | Grange Hill Square | 876-955-1122 | Mondays & Fridays (8:15am-4:00pm) Tuesdays, Wednesdays, Thursdays ( 8:15am- 3:00pm) |
| Negril | Banmark Bike Rental Limited | Lot #5, Whitehall Estate, Nompriel Main Road | 876-632-3201 | Mondays-Saturdays (8:30a.m.- 5:00p.m. |
| Negril | C & W J Co-op Credit Union | Shop # 5, Plaza De Negril | 876-957-4165 | Mondays & Fridays (8:15am-4:00pm) Tuesdays, Wednesdays, Thursdays (8:15am- 3:00pm) |
| Negril | Paymaster Jamaica Limited | Shop#16 Tait's Plaza | N/A | Mondays to Saturdays (8:30am to 5:00pm) |
| Negril | World Of Sports | Shop #2 Plaza De Negril | 876-957-9581 | Mondays-Saturdays (9:30am-4:30pm) |
| Savanna-la-Mar | C & W J Co-op Credit Union | 79 Great George Street | 876-955-2331 or 876-955-4405 or 876-955-2706 | Mondays & Fridays (8:15am-4:00pm) Tuesdays, Wednesdays Thursdays ( 8:15am- 3:00pm) |
| Savanna-la-Mar | Jevon’s Enterprise | Little London Square, | 876-955-7924 | Mondays-Saturdays (8:00am-5:00pm) |
| Whitehouse | C & W J Co-op Credit Union | Whitehouse, Main Street, Whitehouse P.O. | 876-963-5494 | Mondays & Fridays (8:15am-4:00pm)Tuesdays, Wednesdays, Thursdays (8:15am- 3:00pm) |
St Thomas
| Morant Bay | First Heritage Co-operative Credit Union Ltd. | 26 Queens Street | 876-929-5142/982-1460 | Mondays- Wednesdays & Fridays (8:30am-3:00pm) & Thursdays (8:30 am-2:00pm) |
| Morant Bay | Tari Solutions Company Ltd. | Shop#4 Barrett’s Plaza, 2 East Street | 876-734-0887 | Mondays-Saturdays (8:30 am-5:30pm) |
| Yallahs | Tari Solutions Company Ltd. | Shop # 3 A & I Building Main Street Yallahs,St. Thomas | 876-909-8979 | Mondays-Saturdays (8:30 am-5:30pm) |
* These agent locations are subject to change