UTC stands for Universal Coordinated Time. You only need to consider which UTC to select, when you are scheduling a card. Please select the UTC (time zone) where the recipient is located. Next to the UTC you will see the name of the continent/area and a city name. You do not have to select the exact city, where the recipient is located. Simply select a city that is in the same area as the recipient will be at the time when they will be receiving your card.