The technical and procedural mechanisms that protect the integrity of the M SYSTEM™ are as follows:

• Comprehensive training of users with final assessment and certification.
• Dedicated M SYSTEM™ Security and Compliance Officers.
• Permanent Transaction Screening for complex, unusual large transactions and all unusual patterns of transaction.
• Requirement to provide identification for all remitters and recipients.
• Storage and evaluation of all relevant transaction details.
• Investigation and reporting of all suspicious transactions.
• Closed User group.
• Assessments and certification of all users.
• No-excuse suspension policy.
• Comprehensive anti-money laundering policy.
• Legal relationships between the participants designed to provide ability for recourse of failed, fraudulent or incompliant transactions.
• Compulsory user procedures.