This “prescreened” offer of credit is based on information indicating that you meet certain criteria. You may not receive a loan if, after you respond to this offer, we determine that you no longer meet the eligibility requirements used to select you for this offer, or if, after you respond to this offer, we determine that you do not meet our lending criteria established prior to this offer for the purpose of determining whether to extend credit pursuant to this offer. In addition, to accept this offer, you must have reached 18 years old. This offer may be accepted only by the person identified in this offer and may not be transferred to any other party.

Minto Financial dba Minto Money is a wholly owned subsidiary of Benhti Economic Development Corporation (“BEDCO”), a sovereign economic arm, enterprise and instrumentality of, and created under the laws of and for the benefit of, the Native Village of Minto, a federally recognized sovereign American Indian tribe in Alaska, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Native Village of Minto.

This is an expensive form of borrowing. Minto Money loans are designed to assist you in meeting your emergency borrowing needs and are not intended to be a long-term financial solution. Before borrowing, please consider whether you will be able to repay the amount you borrow. Minto Money encourages quick repayment to avoid finance fees.

Any instance of late or non-payment may be subject to an additional late fee of $20 per missed payment, NSF fees of $30 per missed payment as well as applicable collection activities.

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1 First time Minto Money customers typically qualify for an installment loan of up to $1,000 with an APR of 690%. The Annual Percentage Rate (APR) for an example loan of $600 is 690% with 20 bi-weekly payments of $95.35. Returning Customers typically qualify for a Standard Installment loan of $700 or a Premium Installment Loan of $1,500. Returning Customer Rate (APR) for Standard Installment example of $500 is 500% with 20 bi-weekly payments of $61.06. Returning Customer Rate (APR) for a Premium Installment Loan example of $1500 is 350% with 36 bi-weekly payments of $205.00. Annual percentage rates (APRs) may vary based on loan term. Completing an application in no way guarantees approval.

Visit our website, MintoMoney.com for applicable rates and frequently asked questions. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

This example also assumes that all payments are made on time and in accordance with the loan agreement. Any instances of late or non-payment may be subject to additional late fees of $20 per missed payment, NSF fees of $30 per missed payment and become subject to the 690% APR of a standard Minto Money loan.

2 Application must be processed by 4:30pm CT Monday-Friday to r eceive funds as soon as the next business day. Deposit times may vary depending on your financial institution. Minto Money is not responsible for any additional charges applied by your financial institution.

P.O. BOX 58112

MINTO AK 99758