U.S. financial compliance & regulatory disclosures

Regulatory status

Moneytree, Inc. is a Washington corporation (formed 08/17/1983) registered as a Money Services Business with the Financial Crimes Enforcement Network (FinCEN) and registered in NMLS. Independent verification is available through the official databases referenced below.

MSB activities on file with FinCEN

• Money transmitter
• Check casher (including traveler's checks and money orders)
• Seller of money orders
• Seller of prepaid access
• Other

States of MSB activity on file: California, Colorado, Idaho, Nevada, Washington.

State licenses on file (NMLS Consumer Access)

• California — DFPI: Debt Collection License
• Idaho: Money Transmitters License
• Idaho: Payday Lender License
• Idaho: Regulated Lender License
• Kansas: Supervised Loan License
• Nevada — FID: Deferred Deposit Loans, High-Interest Loans, Title Loans and Check Cashing Services Licensee
• Washington: Check Casher with Small Loan Endorsement
• Washington: Consumer Loan Company License
• Wyoming: Post-Dated Check Casher License

Search our registration on the official public databases:

• FinCEN MSB Registrant Search — fincen.gov/msb-registrant-search
• NMLS Consumer Access — nmlsconsumeraccess.org (NMLS ID 147915)

1. Anti-Money Laundering (AML) Program

Moneytree, Inc. maintains a written, risk-based AML program designed to detect, prevent, and report suspected money laundering, terrorist financing, and other illicit activity. The program is reviewed periodically and includes the following elements:

• Designated AML / BSA Compliance Officer with sufficient authority and resources
• Written policies, procedures, and internal controls reasonably designed to comply with applicable U.S. requirements
• Employee training on AML obligations, red flags, and reporting requirements
• Independent review of the program at appropriate intervals
• Risk assessment covering customers, products, geographies, and delivery channels

2. Know-Your-Customer (KYC) and Customer Identification Program (CIP)

Before activating an account, we collect and verify identifying information consistent with our Customer Identification Program (CIP). Information collected may include, where applicable:

• Full legal name
• Date of birth
• Residential address
• Government-issued identification document
• Country of residence and tax identification, where applicable
• Source of funds and intended use of account, where appropriate

We use third-party identity verification providers and additional checks (including watch-list and adverse-media screening) as part of customer due diligence. Enhanced due diligence is applied to higher-risk relationships.

3. OFAC Sanctions Screening

Moneytree, Inc. screens customers and transactions against applicable sanctions lists maintained by the U.S. Office of Foreign Assets Control (OFAC), including:

• Specially Designated Nationals and Blocked Persons List (SDN List)
• Sectoral Sanctions Identifications (SSI) List
• Foreign Sanctions Evaders (FSE) List
• Other consolidated sanctions and country-based programs administered by OFAC

We do not knowingly establish or maintain accounts for individuals or entities subject to applicable U.S. sanctions, and we may block, reject, or report transactions as required by law.

4. Transaction Monitoring

Account activity is monitored on a risk-based basis for unusual or suspicious patterns. Monitoring may consider, among other factors:

• Transaction size, frequency, velocity, and aggregate volume
• Counterparty characteristics, including known high-risk addresses where reasonably available
• Geographic risk, including sanctioned and high-risk jurisdictions
• Pattern deviations from a customer's expected activity profile
• Indicators of structuring, layering, or funnel-account behavior

We may request additional information, restrict account activity, or escalate matters to our Compliance Officer for further review at any time.

5. Regulatory Reporting (SAR / CTR)

Where the relevant thresholds and criteria are met, Moneytree, Inc. files reports with U.S. regulatory authorities, including:

• Suspicious Activity Reports (SARs) filed with FinCEN where activity is suspected of involving funds from illegal activity, of being structured to evade reporting requirements, or otherwise meeting SAR criteria
• Currency Transaction Reports (CTRs) filed where applicable thresholds for cash transactions are met
• Information requests under Section 314(a) and similar information-sharing programs, where applicable
• Other reports required by federal, state, or international regulators

SAR filings are confidential and may not be disclosed to the subject of the report.

6. Recordkeeping

Customer identification records, transaction records, and other records relating to the AML program are retained for the periods required by applicable U.S. law (generally five years), and longer where required by other obligations.

7. Travel Rule

Where applicable to qualifying transmittals of funds, Moneytree, Inc. follows the requirements of the FinCEN Funds Travel Rule (31 CFR § 1010.410(f)), including the collection and transmission of required originator and beneficiary information.