PRIVACY POLICY

A. Introduction

In order to operate the MoneyXpress service and to reduce the risk of fraud, MoneyXpress Corporation ("MoneyXpress" or "we") must ask you to provide us information about yourself and your bank account. This Privacy Policy describes the information we collect and how we use that information. MoneyXpress takes the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the MoneyXpress.net Web site, whether the services are offered by MoneyXpress or by its subsidiaries.
If you have questions or concerns regarding this Privacy Policy, you should contact MoneyXpress.

Notification of Changes
This policy may be revised over time as new features are added to the MoneyXpress service or as we incorporate suggestions from our customers. If we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your MoneyXpress account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).
We will post the amended Privacy Policy prominently on our Web site so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check the MoneyXpress Web site at www.MoneyXpress.net at any time for the most current version of our Privacy Policy.
Other pages on the MoneyXpress Web site include links to third party Web sites. These sites are governed by their own privacy statements, and MoneyXpress is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third party Web sites should review the privacy statement of these sites before providing them with personally identifiable information.

B. Information We Collect

Required Information
To open a MoneyXpress account, you must provide your name, address, phone number, and e-mail address. In order to make payments through MoneyXpress, you must provide bank account information, social security number and government issued identification. We also ask you to choose two different security questions to answer (such as your city of birth or your pet's name) This required information is necessary for us to process transactions, issue a new password if you forget or lose your password, protect you against checking account fraud, and to contact you should the need arise in administering your account.
In order to comply with the Bank Secrecy Act, we will also require your SSN or TIN if you send or receive certain high-value transactions or high overall payment volumes through MoneyXpress.

Transaction Information
When you use MoneyXpress to send money to someone else or request money from someone else, we ask you to provide information about your recipient such as name, address and phone number. We retain this information for each of your transactions through MoneyXpress. We also collect the Internet address (IP address) of the computer or device you use to access your MoneyXpress account, in order to help detect possible instances of unauthorized transactions.

Web Site Traffic Information
Because of the way that World Wide Web communication standards work, when you arrive at or leave the MoneyXpress Web site, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Web site you visit while you are on the MoneyXpress site, the type of browser you use and the times you access our Web site. We use this information only to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our service and your experience with MoneyXpress. We do not track the Web sites that you visit before or after you leave the MoneyXpress site.

Our Use of "Cookies"
"Cookies" are small files of data that we send to your computer to allow us to recognize you as a MoneyXpress customer if you return to the MoneyXpress site using the same computer and browser. We send a "session cookie" to your computer if and when you log in to your MoneyXpress account by entering your e-mail address and password. These cookies allow us to recognize you if you visit multiple pages in our site during the same session, so that you don't need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.
We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your MoneyXpress account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by MoneyXpress. We may, however, share cookie information regarding whether or not a certain user is already registered with MoneyXpress with certain merchants with whom we have an official co-marketing relationship.

Customer Service Correspondence
If you send us correspondence, including e-mails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from MoneyXpress to you. We retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

Questionnaires, Surveys and Profile Data
From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.

Non-member Recipients and Requests
When a member either sends a payment to, or requests a payment from, an individual who is not a registered member of MoneyXpress, we will retain the information that the member submits to us, including, for example, the other party's email address and/or name, for the benefit of the member who is attempting to contact the non-member, so that the member can see a complete record of his or her transactions, including uncompleted transactions. Although this information is stored indefinitely, we will not market to the non-member in any way at any time. Additionally, these non-members have the same rights to access and correct information about themselves (assuming that their email addresses were correct enough to reach them) as anyone else who uses MoneyXpress.

C. Our Use and Disclosure of Information

Internal Uses
We use the information we collect about you in order

1. to provide our services and process your transactions
2. to provide customer service
3. to determine your eligibility to receive offers for special features or products and
   to improve our products and services.

We give access to individually identifiable information about our users only to those employees who require it to fulfill customer service requests.

Disclosure to Other MoneyXpress Customers
If you are a registered MoneyXpress user your name, address and phone number will be used to verify your payment to your recipient. Your financial information will NEVER be revealed to anyone whom you have sent or who has paid you through MoneyXpress, except if we are required to do so pursuant to a subpoena or other legal process.

Disclosure to Third Parties Other Than MoneyXpress
CustomersMoneyXpress will not sell or rent any of your personally identifiable information to third parties. MoneyXpress will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and to other MoneyXpress customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.

1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your banking information with a service to process your transactions. See "Information About You From Third Parties" in Section B above. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.
2. We disclose the information we collect, as described in Section B above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified MoneyXpress-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.
3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity, or to conduct investigations of violations of our User Agreement. Specifically, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity's contact information (but not bank account or credit card information) to victims who request it.
4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.
5. When a user signs up for a co-branded version of MoneyXpress through links on our co-branded partner's website, MoneyXpress will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between MoneyXpress's services and the services of our co-branded partner. If a user does not want his or her information shared with MoneyXpress's co-branded partner, he or she should not use this aspect of the site.
6. We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
7. We share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in California. However, this aggregated information is not tied to personally identifiable information.
8. As with any other business, it is possible that MoneyXpress in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by MoneyXpress, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended as described in Section A above.

Our Contacts with MoneyXpress Customers
We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail address to confirm your opening of a MoneyXpress account, to send you notice of payments that you send or receive through MoneyXpress (including referral payments described below), to send information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.
We also use your e-mail address to send you other types of communications that you can control. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your account on the MoneyXpress Web site and changing your preferences in the Profile page of the My Account tab. You can also change your choices at any time through the same procedure.
In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.

Internet Address Information
We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.

D. Information Security

MoneyXpress is committed to handling your customer information with high standards of information security. Your bank account information are stored only in encrypted form on computers that are not connected to the Internet. We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes.
The security of your MoneyXpress account also relies on your protection of your MoneyXpress password. We strongly urge that you never share your MoneyXpress password with anyone. MoneyXpress representatives will never ask you for your password, so any e-mail or other communication requesting your password should be treated as unauthorized and suspicious. If you do share your MoneyXpress password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account at www.MoneyXpress.net and changing your Profile settings, and also contact us right away as described in Section F below.

E. Accessing and Changing Your Information

You can review the personal information you provided us and make any desired changes to such information, or to the settings for your MoneyXpress account, at any time by logging in to your account on the MoneyXpress Web site and changing your preferences in the Profile page of the "My Account" tab.
You can also close your account through the MoneyXpress Web site. If you close your MoneyXpress account, we will mark your account in our database as "Closed," but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).

F. Contacting Us

If you have any questions about this privacy statement, MoneyXpress's information practices, or your dealings with MoneyXpress, contact us or call (773) 267-1705 Monday through Friday between the hours of 9am and 7pm CST, or write us at MoneyXpress, 3443 W. Peterson Ave., Chicago, IL 60659.
With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, MoneyXpress is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at http://www.ftc.gov.