LENDING DISCLOSURES — BeMaLoans Inc.

Annual Percentage Rate (APR): 99%

Loan Amounts: $500 – $5,000

Loan Terms: 6, 9, or 12 months

Late Payment Fee: $20.00 (charged after 10 days past due)

NSF Fee: $25.00 per returned ACH payment

Origination Fee: None

Prepayment Penalty: None

REPRESENTATIVE EXAMPLE:

A $1,000 loan at 99% APR over 9 months results in

9 monthly payments of approximately $161.52.

Total repayment: $1,453.68. Total interest: $453.68.

BeMaLoans Inc. is licensed by the Utah Department

of Financial Institutions. License No. [INSERT].

Loans are available to Utah residents only.

Minimum age: 21 years. Subject to credit approval.

This disclosure is provided in accordance with the

Truth in Lending Act (TILA), 15 U.S.C. § 1601 et seq.,

and applicable Utah state lending laws.