Anti-Money Laundering & Know-Your-Customer Policy

Last updated: January 1, 2026

1. Purpose

Moneytree, Inc. ("Moneytree"), maintains an Anti-Money Laundering ("AML") and Know-Your-Customer ("KYC") program designed to identify, prevent, and report activities that may relate to money laundering, terrorist financing, or other unlawful activity. The program is consistent with the Bank Secrecy Act ("BSA") and applicable U.S. financial regulations.

2. Regulatory status

Moneytree, Inc. is registered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN), Registration Number 31000317401100, and registered in the Nationwide Multistate Licensing System (NMLS) under Entity ID 147915. State licenses on file (including Idaho Money Transmitters, California DFPI Debt Collection, Nevada FID, Washington Consumer Loan Company, and others) can be searched in NMLS Consumer Access. Independent verification is available through the official regulatory databases listed on our Compliance page.

3. Customer identification

Before activating an account, we collect and verify identifying information including, where applicable:

• Full legal name
• Date of birth
• Residential address
• Government-issued identification document
• Country of residence

We use third-party identity-verification providers and additional checks (including sanctions and watch-list screening) as part of this process.

4. Verification levels and limits

Customer verification level controls available account functionality and transaction limits. Higher verification levels require additional documentation and review. Limits and verification requirements are described within the Services and may change from time to time.

5. Transaction monitoring

We monitor account activity for patterns that may indicate suspicious behavior. Where appropriate, we may request additional information from a customer, restrict account activity, or file reports with regulatory authorities.

6. Sanctions compliance

We screen customers and transactions against applicable sanctions lists, including those maintained by the Office of Foreign Assets Control (OFAC). We do not knowingly provide services to individuals or entities subject to applicable sanctions.

7. Recordkeeping and reporting

We maintain records and file reports as required by applicable law, including currency transaction reports and suspicious activity reports where the relevant thresholds and criteria are met. Records are retained for the period required by law.

8. Compliance officer

Moneytree designates a Compliance Officer responsible for the design and ongoing operation of the AML/KYC program, including periodic risk assessment, training of relevant personnel, and independent review.

9. Customer cooperation

Customers are required to provide accurate information and reasonable cooperation in connection with our AML/KYC program. Failure to do so may result in restriction or termination of account access.

10. Updates to this policy

This policy is reviewed periodically and may be updated to reflect changes in applicable law, regulatory expectations, or our operational practices.

11. Contact

Questions or concerns related to this policy may be directed to admin@money-treeinc.com or to Moneytree, Inc., 820 SW 34th Street, Suite D, Renton, WA 98057-4806, United States.