Each Financial Institution must identify all risk factors applicable to its business to establish inherent risk. These factors include:

• Services Offered

• Delivery Channels

• Jurisdiction

• Other

Identified Risk Factors

Services Offered by Easyterms Ltd.:

• Lending Money

Delivery Channel

• Referrals only from regulated entities

• Government employed persons via salary deductions

• The general public/walk-ins

Jurisdictions

• Client based includes jurisdiction within and outside of the Bahamas

• Place of birth of facility holder

• Residence of the facility holder

• Place of business activity

Other per FCSP (AML/CFT) Rules

• Customer type/profession

• Legal structure of ownership (individual/Company)

• Business activity

• Cash Transactions

• Adherence to customer profile

• PEPS