BMExpress Online Privacy Statement

Effective Date: 12/12/2000

OUR COMMITMENT TO PRIVACY

Thank you for visiting the BMExpresswebsite. Protecting consumer privacy is very important to us. Our Online Privacy Statement is available to inform you about our collection and use of personal information so that you can make informed choices about how your own information is collected and used. This Online Privacy Statement reflects the BMExpress policies covering personal information collected at this website on or after the effective date shown above.

We believe that information used responsibly benefits consumers and the economy, whether it is information we house on behalf of consumers conducting transactions or information we collect on behalf of our business clients. For example, we use consumer information every day to ensure fast and accurate processing of hundreds of thousands of money transfers. In addition, BMExpress strives to better serve our customers by offering goods and services that we believe fit their needs and interests. When identifying an opportunity, BMExpress may use consumer information it has collected in an effort to identify consumers who may be interested in that opportunity.

For more than 14 years, consumers and businesses have relied on BMExpress for safe and reliable service. The relationships we have developed through the years have been established based on mutual trust. Each day we and our thousands of employees and agents around the globe strive to reinforce our commitment to our clients and consumers. Central to that commitment is ensuring that we abide by a set of privacy policies, which are outlined below. These policies guide us in the collection and use of information as well as employee responsibilities in protecting your privacy. We use personal information about consumers only in a manner consistent with these policies.

COLLECTION OF INFORMATION

BMExpress collects personal information in order to offer or provide goods and services to consumers and our customers. We may obtain this information from a variety of sources:

• Directly from customer applications, questionnaires and other materials submitted to us by customers;
• From transactions in which BM Express and consumers are involved;
• From clickstream activity on our web sites; and
• From a variety of third-party sources, such as our business customers, government repositories, consumer reporting agencies and other financial institutions.

DISCLOSURE OF INFORMATION

BMExpress does not disclose customer information to third parties without first giving customers an opportunity to opt-out of certain kinds of disclosures. There are some disclosures to third parties that are not subject to the opt-out, such as disclosures necessary to effect, administer or enforce a transaction requested by you, to companies that perform services for us or to prevent fraud. In addition, BMExpress may disclose information about former customers to third parties and companies with which BMExpress is affiliated, as well as unaffiliated third parties. Those disclosures may consist of the following:

• Financial background information describing a customer's financial status;
• Identification information, such as name and address data;
• Transaction information, such as account activity, debit activity or credit activity; and
• Other information relating to financial matters.

RECIPIENTS OF INFORMATION

BMExpress may disclose consumer information to companies affiliated with BMExpress and to companies or other parties not affiliated with BMExpress (subject to consumers' opt-out rights). These recipients include:

• Financial institutions, such as banks, credit card companies and brokerage houses;
• Retailers, such as home furnishers, clothing stores and florists;
• Companies that process transactions or provide other services for us;
• Government agencies; and
• Catalogue companies and other direct marketers.

In addition, under federal law BMExpress is permitted to disclose customer information to certain recipients, such as credit reporting companies.

WE ARE COMMITTED TO PROTECTING THE CONFIDENTIALITY OF PERSONAL CONSUMER INFORMATION

BMExpress limits access to personal information to those employees of BMExpress and its affiliates who need it to fulfill their business responsibilities. Employees must adhere to BMExpress privacy policies. Employees violating these policies may be subject to disciplinary action, up to and including dismissal. Vendors and other outside contractors we engage are subject to our contractual requirements to ensure that sensitive personal information is safeguarded.

WE USE APPROPRIATE SECURITY SAFEGUARDS

At BMExpress, security is a priority. We employ appropriate measures to protect consumer information against unauthorized access, disclosure, alteration or destruction. These may include, among others, encryption, physical access security and other appropriate technologies. BM Express continually reviews and enhances its security systems, as necessary.

WE MAINTAIN PROCEDURES TO ASSURE THE QUALITY OF INFORMATION WE COLLECT AND WHERE APPLICABLE, WE WILL INFORM CONSUMERS ABOUT HOW THEY CAN ACCESS THEIR PERSONAL INFORMATION AND MAKE CORRECTIONS, IF NECESSARY

BMExpress employs appropriate measures to assure the quality of information we collect directly from consumers. Where information is collected by BMExpress directly from consumers or sources other than our business customers, we permit them, if possible, to dispute or correct any erroneous or out-of-date personally identifiable information. Of course, this correction would not be possible if the information is proprietary to one of our business customers, reflects historical transaction information or if correction would violate the privacy or legal rights of a third party. Where applicable, we abide by laws related to such information. You can access your registration information by clicking on "My Account". You can correct factual errors in your personally identifiable information by sending us a written request that credibly shows error. We reserve the right to independently verify claims made. To protect your privacy and security, we also will take reasonable steps to verify your identity before making corrections. We reserve the right to assess a service charge for providing you any information in connection with your request.

BMEXPRESS’ WEBSITE MAY BE LINKED TO OTHER WEBSITES

BMExpress may create links to third party websites. BMExpress is not responsible for the content or privacy practices employed by websites that are linked from our website.

OPT-OUT RIGHT

BMExpress may disclose consumer information to third parties as described earlier in this notice. Many of these disclosures are beneficial to consumers because they permit goods and services of interest to consumers to be offered to consumers at attractive rates. We strive to give consumers choices about how their data will be used. You have the right to opt-out of (direct us not to make) these disclosures when the consumer information is about you. Of course, there are some disclosures to third parties that are not subject to the opt-out, such as disclosures necessary to effect, administer or enforce a transaction requested by you, to companies that perform services for us or to prevent fraud.

When you register to use this website, you will be asked whether you wish to opt out. If you wish to opt out, simply check the appropriate box and submit your choice with your registration information. You always have the right to change your mind. To change your selection, go to "My Account", retrieve your registration information and make the change you desire.

WE HOLD OURSELVES ACCOUNTABLE TO OUR PRIVACY PRINCIPLES

BMExpress is committed to meeting the highest standards for our privacy program. To that end, BMExpress has appointed an official, who serves as the company-wide officer with responsibility for the administration and implementation of the BMExpress privacy program.

The BMExpress officer, working closely with individual business units, is responsible for:

• Administering employee privacy training and employee compliance related to the BMExpress Privacy Policies;
• Conducting periodic assessments of BMExpress’ compliance with its Privacy Policies, as well as specific implementation policies and procedures; and
• Ensuring that BMExpress actively participates in appropriate privacy activities, including self-regulatory initiatives.

If you have any questions or comments about BMExpress’ Online Privacy Statement, or for some reason believe we have not adhered to our statement, please contact:

BMExpress Customer Service at bmex@zip.com.au

As we develop websites for international audiences, we may adopt additional rules and practices consistent with this statement to conform to the policies or requirements of those countries. We may alter this statement as needed for certain products and services and to abide by local laws or regulations around the world. BMExpress reserves the right to amend or modify this statement from time to time. We urge you to review this statement whenever you visit in order to obtain the most current statement. You may change your choices at any time.

Thank you for visiting us.