BELTZE:.
STATUTORY INSTRT]MENT
No. 83 OF 2017
MONEYLENDERS REGULATIONS
ARRANGEMENT OF REGULATIONS
PART I
Preliminary
1. Short title.
2. Interpretation
PART 2
Applications and Lic ences
3. Form of application.
4. Application fees.
5. Licence fees.
6. Form, validity and expiration of licence.
7. Rules for application and licence fees.
8. Conditions of licence.
PART 3
Money lenders' Re sponsibilities and Restictions
9. Contribution towards compliance inspections.
10. Interest.
I 1. Late interest.
12. Permitted fees and charges.
13. Maximum amount of interest, fees and charges

PART 4
Recordkeeping and Reporting
14. Records to be kept.
15. Additional records, pawnbrokers.
16. Reports to Register.
PART 5
Disciplinary Measures and Enforcement Actions
17. Tlpes of disciplinary measures etc.
18. Limitation on disciplinary measures etc.
19. Notice of intention to take disciplinary measures etc
20. Penalty notice.
21. Late payment penalties.
22. Factors to be considered by Registrar.
23. Recovery of administrative penalty.
PART 6
Miscellaneous
24. Offence.
25. Repeal.
SCHEDULES:
Schedule I Forms
Schedule 2 Fees

No. 831 Moneylenders 1
BF,I.IZE:
STATUTORY INSTRUMENT
No. 83 of2017
(Gazetted 25th November, 2017.)
PART I
Preliminary
1.-(l) These Regulations may be cited as the MONEYLENDERS REGULATIONS, 2017. 2.-( I ) ln these Regulations- "Act" means the Moneylenders Act, Cap. 260; "beneficial owner" means the natural person who ultimately owns or controls a legal person, or enjoys the rights and benefits associated with ownership or interest in the legal person but who may not necessarily be registered as the legal owner; "business day" means a day on which a moneylender is open to the public for the conduct ofbusiness and does not include a Sunday or a public holiday; "late interest" means the simple interestwhich a moneylender is entitled to charge in accordance with the proviso to section 14 (1) of the Act, the maximum rate of which is prescribed in regulation 1 1; Short title. Interprelation REGULATIONS made by the Registrar, with the approval of the Minister responsible for finance, in exercise of the powers confened by section 36 ofthe Moneylenders Act, Cap.260.

2 Moneylenders [No.83
Fol:m of applicatio[
Applicstion fees.
"late payment penalty" means the enforcement action or disciplinary measure prescribed in regulation 2l; 'licensee" means a moneylender who holds a valid and unexpired licence; 'pawn" means to offer or give a pledge to a pawnbroker; and
Part 2
App li c ations and Li c enc e s
3.-( 1) An application for an initial licence or for the renewal of a licence shall be submitted in the form set out as Fonn I of Schedule 1. (2) The application shall include- (D) the information and documents indicated in Form 2 of Schedule l. (3) A personal biographical report referred to in subregulation (2) shall be in the form set out as Form 3 of
Schedule 1.
4. A person who applies for a licence shall pay the
appropriate application fees set out in Part A of Schedule 2. 5.-(l) If the Registrar approves an application for an initial licence or for the renewal ofa licence, the person for whom Licenc€ fers. "pawner" means a borrower who pawns goods to a pawnbroker. (a) a personal biographical report for each owner, beneficial owner, director, officer, manager and any other person who is or will be involved in the management or operation of the moneylending business; and

No. 831 Moneylenders 3 the licence is approved shall pay the appropriate licence fee set out in Part B of Schedule 2. (2) The Registrar shall not issue the appropriate license until the fee referred to in subregulation (1) is paid in full. 6.-0) A licence for a single store moneylender shall be in the form set out as Form 4 of Schedule 1. (2) A licence for a master agent moneylender shall be in the form set out as Form 5 of Schedule 1. (3) A licence for a single store pawnbroker shall be in the form set out as Fonn 6 of Schedule 1 . (4) A licence for a master agent pawnbroker shall be in the form set out as Form 7 of Schedule 1. (5) A licence shall not be valid unless it bears the seal of the Registrar. (6) A licence expires on the 31st day of December in the year for which the licence is issued.
7. A fee payable under this Part-
(a) is not considered to have been paid until it is paid in full; and (D) is not refundable. 8.-(l) In addition to the conditions of a licence provided for in section 2D of the Act, it shall be a condition of every licence issued by the Registrar that the moneylender- (o) commences operation within six months of being granted the licence; Form, validity and expiration of licence. Rules for applicalion and licence fe€s. Conditions of licence.

4 Moneylenders [No. 83
Contribution lowards complirtrce iDspectiotrs.
(D) provides all customers with accurate and current contact information; (c) maintains an account with a financial institution for the operation ofits moneylending business; (d) maintains accounting records for its pawnbroking operation that are separate from the accounting records for its other moneylending business, if applicable; (e) maintains all records in English; and (fl complies with all other terms and conditions of the licence that the Registrar imposes in accordance with section 2D of the Act.
PART 3
Money lenlers' Responsibilittes and Restiaions 9.-(l) In accordance with section 30C(9) of the Act, the Registrar may require a moneylender to contribute twenty￾five per cent of the costs incurred to perfonn a compliance inspection. (2) Notwithstanding subregulation (l)- (a) the minimum a moneylender may be required to contribute to a compliance inspection is $300 for each inspection at each location; and (D) the maximum a moneylender may be required to contribute to a compliance inspection is $600 for each inspection at each location. 10.-(l) The maximum rate of interest a moneylender may charge is forty-eight per cent per arurum or the corresponding rate of interest in respect of any other period. lnterest,

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(2) The interest charged on the Ioan is to be- (a) simple interest; and (b) charged on the monthly balance of principal remaining after deducting from the original principal the total amount of principal repaid to date. 11.-(l) For the purpose of section 14 of the Act, the maximum rate of simple interest a moneylender may charge upondefault in the payment of sums due is 4% per month.
12. -(l) The maximum amount of fees and charges a licensee
is permitted to impose on a loan, in any thirty day period, is sixteen per cent of the loan principal minus the amount of any late interest charged under regulation 11 as follows:
maximum fees and charges : (16% x loan principal) - late interest charged. (2) The fees and charges referred to in subregulation (1) may be imposed in addition to the interest prescribed in regulation 10.
13. Notwithstanding regulations 10, 11 and 12, a licensee
shall not in respect of a loan to a borrower, recover from that borrower, interest, late interest or any fee or charge permitted underthis or any other enactment, which in aggregate exceeds the principal of the loan. Late interest. Permitted fe€s and charges. Maximum amount of inter€st. fees and charges. (2) Late interest is to be computed based on the monthly outstanding balance ofthe amount ofprincipal that is overdue.

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PART 4
Re cordke eping and Rep o rt in g
14.-(1) In addition to the obligations under section 16 of the Money Laundering and Terrorism (Prevention) Act, Cap. 104, every licensee shall keep or cause to be kept in such manner as the Registrar may direct- (a) records relating to the moneylending business sufficient to exhibit and explain the financial position ofthe business, including daily entries in sufficient detail of all sums of money received and paid; (D) records of the contracts for loans in which the licensee is or has been concerned as referred to in this Part; and (c) such other records as the Registrar may direct. (2) The records referred to in this regulation shall be maintained in English and may be kept in an electronic form. 15.-(1) In addition to the records referred to in regulation 14, a pawnbroker shall keep a copy of every pawn ticket issued by the pawnbroker and the following particulars for each pawn ticket- (a) the unique identification number of the pawn ticket; (D) the identification information of the owner of the pledge, if not the pawner; (c) a fair description of the pledge, including any manufacturer serial number or other identifiable mark; Records to be kepr. Additiooal rccords, pewnbrolcrs.

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(d) the valuation of the pledge given by the pawnbroker; (e) the last day of the redemption period and any extensions; (J) the date on which the pledge is redeemed or forfeited; (g) where the pledge is redeemed by a person other than the pawner, the identification information of that person; (2) Where a pledge is forfeited and disposed of, whether by sale or otherwise, the pawnbroker shall keep a record of- (a) the dates on which the pledge is forfeited; (D) the manner in which the pledge is disposed of; (c) the price for which the pledge is disposed of; (d) the identification information of the person to whom the pledge is disposed. (3) For the purpose of this regulation, "redemption period", means the period of thirty days fiom the date on which a pledge is made, or such longer period as the pawner and pawnbroker agree. (4) Notwithstanding subregulation (3), if the redemption period under subregulation (3) ends on a day other than a business day- (a) the redemption period is extended to the next business day; and (D) the pawnbroker shall not charge any further interest or fee if a pledge is redeemed on the day referred to in paragraph (a).

I Moneylenders [No. 83
Reports to
Registrar.
Typ.s of disciplitrary measures etc.
16.-(1) For the purposes of section 20 of the Act, every licensee shall submit to the Registrar reports containing information as the Registrar may direct. (2) The reports referred to il subregulation (l) must be submitted- (a) in such form and manner as the Registrar may direct; and (0,) no later than l4th day of January, April, July or October of each year. (3) Every licensee shall, when so required by the Registrar, account for or explain any item or particulars appearing in any report submitted to the Registrar under subregulation ( 1). (4) Any person who- (a) fails to submit to the Registrar any report under subregulation ( 1); or (D) fails to comply with any requirement made by the Registrar under subregulation (3), commits an offence and is liable on summary conviction to a fine not exceeding $20,000.
PART 5
Disciplirury Measures and Enforcement Actions 17.-(D If the Registrar is entitled to take a disciplinary measure or enforcement action against a moneylender under
section 30F or 30G of the Act, the Registrar may exercise
such of the following powers as it considers appropriate- (a) issue a written notice under section 30D of the Act;

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(b) k) give a direction under section 30E; impose a late paymentpenalty under regulation 2ll (d) impose an administrative penalty inan amount not exceeding $500,000 as determined in accordance with regulation 22; or (e) revoke the licence under section 10 ofthe Act (2) The disciplinary measures or enforcement action under subregulation (1) are without prejudice to the sanctions the Registrar may impose as a supervisory authority for a breach of an AML/CFT obligation by a moneylender under section 22 of the Money Laundering and Terrorism (Prevention) Act, Cap. 104.
18. -( 1) A disciplinary measure or enforcement action may
not be taken against a moneylender in respect of an act or omission if that act or omission occurred more than two years before the date on which the Registrar sends a notice of intention to the moneylender under regulation 19. (3) If the act or omission referred to in subregulation (l) also constitutes an offence- (a,) the taking of a disciplinary measure or enforcement action against a moneylender does not prevent the moneylender being also prosecuted for the offence; and (D) the prosecution ofa moneylender for the offense does not prevent the taking of a disciplinary measure or enforcement action against the moneylender. Limilation on disciplinart measures etc. (2) The limitation in subregulation ( I ) does not apply if the act or omission is a continuing act or omission.

10 Moneylenders [No.83
Notice of intention to take disciplinary measures etc. 19.-(l) When the Registrar intends to take a disciplinary measure or enforcement action against a licensee, other than by imposing a late payment penalty, the Registrar shall give written notice of its intention to the licensee which indicates- (a) the act or omission which entitles the Registrar to take a disciplinary measure or enforcement action; (D) the relevant facts surrounding the act or omission, and (c) the rype of disciplinary measure or enforcement action the Registrar intends to take against the licensee. (2) The notice of intention shall advise the licensee the right to make written representations to the Registrar in accordance with subregulation (3). (3) On being given a notice of intention under subregulation ( 1) , a licensee may submit written representations to the Registrar, within thirty days to- (a) admit or deny the information indicated by the Registrar under subregulation (1)(a.) and (b):, or (D) provide mitigating considerations or reasons that the licensee considersjustifi the imposition of an alternative disciplinary measure or enforcement action. 20.-(1) The Registrar may determine the disciplinary measure or enforcement action to impose and issue a written penalty notice to the licensee. (a) after the expiration of 30 days from the date the notice ofintention was given, ifthe licensee Penalty notice.

No. 831 Moneylenders t1 does not submit written representation in accordance with regulation 19(3); or (D) afterconsiderationofthewrittenrepresentations, if the licensee submits the representations in accordance with regulation 19(3). (2) A penalty notice shall indicate- (a) the mauers referred to in regulation lg(l)(a) and (b); (D) the date on which notice of intention was given and whether any written representation was received from the licensee; (c) responses to w tten representations, if any were received from the licensee; (d) the disciplinary measure or enforcement action being imposed, including the amount of any administrative penalty, if applicable; (e) the date, being not less than thirty days after the date of the penalty notice, by which any administrative penalty shall be paid to the Registrar; and (J) that failure to comply with the disciplinary measure or enforcement action is an offence under regulation 24; and (g) the right to appeal under section 31F of the Act. (3) The administrative penalty imposed in a penalty notice shall not exceed the amount specified in the notice of intention given under regulation 19.

12 Moneylenders [No. 83
Late palmeDt penalties.
21.-(l) The Registrar may, as a disciplinary measure or enforcement action, impose a late payment penalty on a licensee who fails to pay any fee, charge, contribution or administrative penalty required, due or imposed under the Act or these regulations on the date on which the fee, charge, contribution or administrative penalty is payable. (2) If the Registrar decides to impose a late payment penalty, the Registrar shall give the licensee a late penalty notice which indicates- (a) rhe fee, charge, contribution or penalty in respect of which the late payment penalty is being imposed; (0.) the amount of the late payment penalty; and (c) he right to appeal under section 31F of the Act. (3) A licensee shall pay to the Registrar the late payment penalty within 30 days ofbeing given the penalty notice under subregulation (2). (4) If the licensee fails to pay the late payment penalry within the 30 days, the Registrar may increase the amount of the penalry and shall give the licensee notice of increased late payment penalty. (5) The amount of late penalry the Registrar may impose shall be determined based on the number of business days the fee, charge, contribution or administrative penalty is due and payable as follows￾No. of Business Days 1to30 31 to 60 6l to 90 9l to 120 121 to 150 151 or more Penalty $250 to $1,200 $1,250 to $5,000 $1,875 to $7,500 $2,500 to $10,000 $6,200 to $15,000 $7,500 to $20,000

No. 831 Moneylenders t3
22.-(l) ln determining the rype of disciplinary measure or enforcement action, other than a late payment penalty, and the amount of an administrative penalty to be imposed on a licensee, for an act or omission which entitles the Registrar to take a disciplinary measure or enforcement action, the Registrar- (a) shall take into account the following factors- (i) the nature and seriousness of the act or omission committed by the licensee; (lr) whether the licensee has previously committed a similar or other omissions or acts and if so, the number and seriousness of such acts or omissions; (iii) whether the omissionor actwas deliberate, reckless or caused by the negligence of the licensee:
(iv) whether any loss or damage has been or is likely to be sustained by third parties as a result of the omission or actl (r) whether there has been or is likely to be any gain to the licensee as a result of the act or omission; and (b) may take into account any other matters it considers appropriate. 23.-(l) An administrative penalty may be recovered as a debt due to the Registrar from the moneylender, in a court of summary jurisdiction without limit of the amount. Factors to b€ considered bl.' Regislrar. Recoverl of administrative penalty. (vr) the ability of the licensee to pay the penalty; and

14 Moneylenders [No. 83
(2) In any proceedings to recover an administrative penalty, a certificate purporting to be signed by the Registrar cerdrying the amount of the administrative penalty due shall be regarded, in the absence of evidence to the contrary, as evidence of that fact.
PART 6
Miscellaneous
Offence 24.-(l) A person who-
(a) fails to comply with a disciplinary measure or enforcement action imposed by the Registrar under Part V of these regulations; or (6) otherwise contravenes these Regulations, commits an offence and is liable on summary conviction to a hne not exceeding $250,000 or a term of imprisonment not exceeding 2 years or to both fine and term of imprisonment. Repe8l 25.-(l) The Moneylenders (Body Corporate Exemption) Regulations and Moneylenders Rules are repealed. Pinred in Beliu b! lhe Govenment Pintet 11 Poeer l-an., Belmopan, Belize, C.A.

No. 831 Moneylenders t5
SCMDI'LE I
Formr
Fonn I
Appllcrflon Form for Motrcylctrder LlcoDcc APPLICATION NOR MONEYLENDENS IICENCE I'NDER THE MONEYLENDENS ACT, CAP. 260 Rcgylado,' 3(l) NEW APPLICATION RENEWAL A}PUCATION MASTER AGE}.IT MONEYLEI{DER. SINGLE STORE MONEYI.ENDBR
l. NlD ad addrcas ofTplicrtrt
Full Nrme of Business:
Phyricd Address of Busircs:
Tdcphonc lrfumba of Busin:ss:
Email Addrcss of Busiocss:
2. Bcfcid owm(s)' - Lirt bc{ow thc nrmcr of tbe aanrnl pcson(r) *to har
(brvo) ul$ortc orncnhf inErcrt ir lbG hraiHs 6cf,G rirc cootrol. Full Lqd Nrn:
(Sumlmd Ilrrt Nrn /luHdl. NrD.)
% Orn€ilUp
' B.ordchl ovE mcor thc mrral pcru who uldDdcly owttr or cdob r bgrl poo, q rojoF &o ri8bts tad bio.fi! &Ei&d with rytrG(tiip q io&.d in thr fud pcrm h rho my mr Earily bc rcgindd a 6c lcgrt owocr. MASTER AGENT PA}VNBROKEN, SINGLE STORE PAWNBROKER tr tr

t6 Moneylenders [No. 83
3. t Sd pcrsmt or nominee shucholdccl - Lin ths narc of hgal pcoom or
mmip shqeholdcrs ttst hold BhEes in Orc businc$. Where rhc owDcr is s cory!try, thc ultim.L nttlrEl Fson 'r,ho ourls thc conpcny is aleo to bc named. (bdicatc L fur lcgal pcreon or N for Domimc shroholdcr) Ngm of L.gd PertoD or NoEI[cc Sbrreholdcr LorN 7o Owocrtblp Tot l Shsrcholdbgr l00o/o
4. Dircsrors od Ofioccr - lirr bclow rhc nrocs of th. Chicf Execdive Officcr,
Finarcial Officcr, qcnltiotrs Otrcer, Compliancc OfEocr, DirecroB, Stok r Mtdgeacd ed any otbcr irdividrnt wto panicipdB in sny dircctorial, 'ntn Bcrid or cxccutivl &cision oftbc busincss. FuIl Lcgel Nemo (Sunenr/ fllrt NrDr./ Mlddh NsDe) Posldon
5. C@tlca Pcrld - Th! individual ligted as thc coatrct pcrson mu be suthoriud
to rpc€ive all infomioo, commrniotio'ng tDd BilinS rod bc rcsporible for dirscudnaling aEh irfumdioa within thc opplicat's orgrnizrlion dt'iDg lhc licctrc. pplication proccss" Nrme:
Tide:
Mailing 466a*"'
Phorc Nuobcr: Ennil Address:
6. o o
Itrdicrtr lhe legal $shr3 ofapplicant Corponrion Osoro LiEilEd Li.bility Prorictorrhio Do*-t.r*tt l Dp""orip r L4rt p.tE rtftr. ao &, a[dt,l oat. dr6 et,.l !!or tb co .tdli$ . FE ffi cntoE rddo$ip c or pqcrty. ! Noiltr firrio& cfrn b ...o8f,ry rEb.r botd!8 tia i.r!. oo tdltof tt oxE q D.r.fici.l otlaf.

No. 831 Moneylenders 17
7, Indic8re dste rtrd pbcc rpplk:8trt obtaiDod its l.gEl $snts (if8pplicrble). Colrrtry of incorpoEtion/rcgfutration:
DEt" of inaorpontiodEsisEltioo:
Ad&css of rcgiscrcd officc:
E. Indicate tbc scrvic€ 0o bc pnovidcd:
D
D tr
D
Shtrt tlrm cdElm tcn (repaid witbin t2 mrth!)
Pqidry hrns (rtpdd at Ht Fyd.y)
Paming (bfiorying on locurity of r plcdgc) Otha (spec8) 9. 10. I t. t2- lodixte the source offimds for srrt-up capitrl:
Ap,plicant's financid ycar cnd:
Irdicltc whicb fin&ci.l iostihrioo thc bBincrs b.nl(! with:
Nur oflocations rfElirred with )tour bnsfuEes. sth 8D sdditiooal if By ritEiDS ttb ryplirtior lbc qplicrat cooscat to tb. vsrific.lim, by thc Rrgiinr, of uy infumtfoio providcd in ttir or eny ortcr qplic.tkn. Th€ applicef also rgrccc to dtoriD ltG nlEsd cootct p€rloo b .cccpt rad clrry out dhcrivcr of thc Rrdfrr. I, DECLIRE, to th. tut ol tny browldgc arrd bcli$, that t,,, ttrfuttadon gw, sbow b htc, conet ad cotrylaa and acbowldge tlut ony ntqaauatlon ot o;lsdon of a ,aaralal la4 $th ,ttryt to tlattoaohg, auA prfidie il* qliaao* I tndcrtab rtal u lory u I @tr,rbtl,e b b a dttulot, dtsdtolfut, fiu o nwuga of a nwtqlde llcasd under tlu M@crlqr.lrrr Act I wtll ,odly dr. Regbtar ol ary aarcrial clwqg atdq lh. a ;plat* of ottttpers abvc wlthla a ptd of la da1n. Burlness Name Addrgs of l,ocrtlon Llcctrce No. No of EEDloycaa T6l Nunbcr of Enpby.r, Date:

18 Moneylenders [No. 83
Form 2
Moreybader lJucc Appllcetlon Rcqolrcrcnt R.Aularb,t 3O) DOCT'MENTS TO ACGOMPANY AI' APPIICATION rlOB MONEYLENDERS LICENCE IrNDEn. Tm MONEYLENITERS ACT, CAf. 260 Se.don 2A of tbc Mon:ylcrda: Act, rcSfus ltc R.Sirtnr b &tE Eios rt itct pcmm who se idcntificd !3 h.viDg rclevant pov, fnaac,tal i,,tanst aad positiut (orymr, 'r.rgrrs, dima:, ofEcar aod rssociau) of a mrylcodiry buincs rrc 6t md propcr lo bold a limc. Ttcrcfq!, dl spplicrDts nu$ arbmit, to &c Rcgilinr, tE rcquir€d bforrtior u followr:
W t -CeaottlanelnWa fon
Tt 6oot!.r ptlrm fr t]c pmpoecd nory'ro,li''g bulircc i! rcquircd o fulty corylac tbc liccncc aplictioa form rnd submit it dong with ddnioosl doqr''srttioD. Th nbmirsin will only bc coosidai€d corylcte whoa dl rclc,\ratrt iDforDtioo tnd doantrlgoB bavc boca providcd rad acccptcd by the Rldstnr. b 2 - Crfuc thc botul Bbzuhbl Raon Erch oncr/rhrreholder, bco:fisid osn r, dirrclo(, 't-".gcr or offccr rnd aoy o&er pcrron wto ir or will be involvcd in tbe oamgemat or operatin of tho twyleodirg bueid propoccd mrylcoding burincsat is required m conphtc rad rign r Pct$61 Biographicd Rlpnt FtrrrL tu 3-hw{&Al&tulIntdn Tb folloviDg ectm t MUST rccoqloy aa rpplixioo for ray clan of mnrylcodbg lic.occ. If idcuificdoa do.oml! arbmitad rre not orid[rt, lhc copbs of aEh doomre Eur bc ooEized by l ffiry public, rmoidod od nrBro ir accordrroc wtth thc NoEicr fublic Act, C!p. I29 of thc SubrEtrtiw t.wr of Bclia. Iban''6 lot . Nffiul PanJ ln the cere of .! iodiyifud wbo ir ra o*Iler/ r ih{rholdrr, beoctrcirl owG, dhector, mrgrr, offccr or llroci& of ! maeyl:oding hsirc, ttc bllowing infomatioo mun bG sutEitt d for crcb pcrsoo:
o Pcomt Biogr.phic.l RrDorq
. Ccrti6clt of lteCirtntion ic8uod uldrr tbc Bulius NrE Act, Cep. 2tt7; o A copy of e valid P!.Forr Oto{.t Fgc); ed .A record from thc Bcliz? Polir Dcp.rh.trt or olhcr t€levrnt I leootryAandhg Urincss i&ludce thc hliaccs of p.wnbroking

No. 831 Moneylenders
' t[ ttc * of . ll@ mcnt tic duty bill p@vid.d @a irrt ba irrtd vllhb &!.
|Dodhr of tt d.E of tbc +plicdm. i ltc +pllcdo &o b modlu|rbla
t9 r hodty of hc rclsrrot jrsildi.tim h t[c c..c of ftnign rhattoldcrr, oficrll' dir*-tu:, '-'-gcn or ulosirE; o Cofy of rdied finnicid rar@6 of tbr co,qery 6r tha hf Fr; od . A crnEt li* of rmlrar of tbo ryplirm, iDrhrdin& tb re of rlt bmfrctl orur th at l4rl pcrrm. Mle .4dllarr: In tbc csc of oospa& cditiG* tbc ftllowilS do.rd rrG 6 bc r$,rdE& o Ia tb crra of r oodFsy, r cry of lb oryray'r Crrtifclo of laooeoAoo iterd rrDd.s tb Coqroicr Arq Crp. 250 ud rldl ! ia Marc&a ad Arthlcr ofArreirtioo, r. rplicablo; o la tb cer of r liriod li5ility pumrtip, e copy of rh Catificl|E of ndirinlbo, i!s.d ua.La lb LiDicd Lirbility PruGip Act, C+. 25tl . A cqtifcrlo of Spod tudilg fi.om ltc Coryeic. Rltlcy Gf lb ooryoy hr ba lnrorporrrd for e lrca or noc); r Cogy ofar&'od fuEid tt tsmc 3 ofthc oryry ftr tho lu Srcq rod . A cllrd li'l of arociea of tho rpplicrat, iEhrdioj thc n.e of rll bacfdd frrcholdco d ta o tqrl poro. OOsDou* . Ar oniEizrlirul ckt thoryiry oqtmts Ed ln'i.gpocd lltrttrc ed rcddir of thc rp,pllc4 o A utility bill" r cofrn Foof of rd&ol br cr6 loclbq rad o A ..qlc of thc lo.D .!rccffi to bc u.o( Wl-emmUUmcfa Tho gti:rtin ftcfr cu bc pdd b Tha Bcliz BEL Umia4 Scotirbrat (Bclizc) Udc4 Alaric Bot( Lioii.4 llcrint! B.trk Linit q Nrtiot Bol of Bclizc Liniod c 6o GorvctlEt of B.lirc's Trc.t[y @t for rha sta of tho Ctrrl B0&, u&g ttc bllwlry hft(Drdm:
. Accqr NrE: Ottc Li:corc Focr
. Aocord l,lEmb.r: OL l@RP050500*
Tt 6ltbl rccdpt o pyrnca of thc rpplicrdon &c utc bc tuboilEd doDS wilb ttc Aplicaioa On of thc for th. lft:cacc, lbc mult thc

20 Moneylenders [No. 83 liccoce ftc io thc srtE mrona (abow) or thc rppticatkx fte. Notc: The licencs fee eust bc piid bcfore thc issuc ofthc liccncc by thc R€girEar. &o 5 -Stlr,&dl,nof Aodtcrdor Pzchoa Tbe cpplicrot mu! $bmit its corylcEd fo(Ds witi thc tlk lsr ttrchmt3 to the Ccntsal B:nt's Mail Ceoter st #l Grbourll kna P.O. Box E52, B€lize City, B€lizc, Su6-l1ffit RalcroPlrcgsa Thc RcgisEsr wil comcocc thc revicy procc$ fu a liceoce mlicilioo Fctigp only upon the receipr ofa ftlly completed rpplicrtion pac&rgc. Irfonuation rcquircd oa the applicatioo brm and Perroaal Biogehic.l Rcporr forms arc aor b bc hlt ''nrnslrtred. Photocopics of idctrtifcatioo demeotr (c.& Pusport, rocid scority c.dr) uc to bc by I notary pubtic, appointcd rod ssom in accordrnoc with tbr NoEi€6 hrblic Act C!p. 129 oftbc SubrhDtiw [^ews ofBcliza. The contact pcrsoo will bc informed ofthc dccislrr t*.n wilhin 45 days of rcccip ofa fu lly completed spplicetim. Stco 7 - Issuance ol Llaae Where approval has bccn grlrt d !o opcnt ar a mrylcodcr, tbo Rcgigtr will irclE a licence with lpecific conditioos oo thc payrncor oftbc licce ftc.

No. 831 Moneylenders 2t
PERSONAL BIOGRAPEICAL NDPORT
UITDEN, TIIE MOIIEYLENDERS ACT, CAP. 26{I IEt:Id0[fi Thir Prrml Biogr+hic.l RrDqn it b bG co,rtrplcrcd by c..D orc, bco.6cid on!!c, dirccfor, oficcr, q:r od oy otDcr prroa rrto i, o( sill bc im,oh,!d i! tho rnnrgtocnt c qcretim of t& pcrrodbuincr whlct ia or rpglyhg b bc Ucd.d n[dc, tb! Mocylcodat Art r Fq tbc F.rDorc of ttir Rcpod, copics of tqpdrilg do@ ,rboitld tnud bc uizod b rccudre Eilt 6c Notutca hbuc A.r, Cq, 129 of tL! Sobdr,3 Ls of B.tiza Form 3 Pcnold Blognphlcel Rcport Reg.latioa 3(3) 2, Last Name Fint Nam Middlc Initial
3. Any oth.r o.!r{s) by *,hich 1ou rrc tnowu or haw lraviourly bccn bwo
4. Nerr ofSpousc Any othcr nm{r) by uthich bcr'shc ir lstown
or brsrhvc prcviouly boco taova
5 OmtotAd&ccs:
HOME BUSINESS
l. S.€do! I - Gco€trl lnforurtloo Corylctcd by @kera ti:k thc rpp,ropiato
box indicetiag tbc propoccd pooitiotr to bc hcld) O Owncr O BerFficitf Owncr D oiremr E Officcr Manager Alseirt€ D OtfEr Plcarc apcci$:

22 Moneylenders [No. 83
5. Prwioua homc addrcss€s &ai!g your pofe3siouat lifctimt(slaE r€lcwnt dates)
2.
3. 4.
7. Datc of Birtt
Day Month Year
8. PLACE OF BIRTH: (includc bwrL city aad muotry)
9. NATIONALIfi durl
10- Pr,ovide Dotarized copics ofpassport (s):
(!) Prcsporr Nuober: Date of Issue: Expiry Date:
I l. How wes )rour Bcliz..! DEtionrlity rcquirad? (Plcasc tick thc .ppropriltc box) tr BIRTH tr NAT1JRALIZATION tr MARRIAGE D orHBR(Speily)
12. If you lt ! nm-otimlt rcriliog in Bdizc, plcu p,rcvidc ofEciel
&curcotrioa to arypot l.

Moneylenders 23
Sccdotr lI - EEplofttcol
13. Prcaaof occupatirD or copbymrot Sfrte ErEc of cmploF, nlturc of bosiE
od pcdtion bcl4
EMPI-OYER @CI,JPATION NATTjRE OF
BUSINESS
CATACITY la. Ocq4nrio(O lod f'nplo]rmt during )our prcfeciood lifttiac. Stra orm of eryloF(r} oltrrc of borioct* po6itio(r) bcld od thc rclcvai ddc& If Etiro4 Dlcara llrE datc. of coployEcot u,tco lctiw. DATE EMP[.oYER OCCUPATION NATT,,RE OF BUSINES s CAPACITY
15. r- StrE Er, !d&G!! (cormy of inco(pqcdod rqirttioa) of ary
corqmy/buaincce of vticb 1ou arc mw ro owned rtarcbolder, bcncfcial owncr or .lrocie [d idicrr€ ir wlitch crpccity ],ou fimction:
NAME OF BUSINESS ADDRESS CAPACITY b. Sre thc % of pur oxrnc hid itrtcr€sl ia 6c coryuy/ burim ud if rpplicrble i[dic.tc &c nuu$cr of 3bu6 or rtock bcld in tb coaoy' o(hcr busincss NAME OF BUSINESS %OWNERSMP/ SHAREHOLDING

oF SHARES, if

.pplicrblc
No. 831 f----l F
I
L

24 Moneylenders [No.83
16, a Strte mc and ddrlsc (coutry of ircorporathd rcgirtrrtim) of coopory/budncrs of which )ltu vtrr, i my timc, ra oacr/ rhgrholdcr, bcocfisial ovEas$cirtc. NAME OF BUSINESS ADDRESS CATAClTY b. Stab lte hig!€8r % ofyoor oxmcfrhiC iDffi in tbc corqeny/ businc$ and if lpplicrblc, iDdicd. thc aurbcr of shlt c aock teld in thc coqsry/ otbcc buginers urtltic:
NAME OF BUSINESS # OF SHARES % SHAREHOLDINGS 17 . Stitc !!me lnd lddrBi (corffiy of imorporrtiod rcgirrdion) of corryuy/buriocss of w[ich yur rrcrt, rt uy tima, a dircclor, officcr, managor or in rccpcc.t of which pu ntre ottcrwir involvcd itr rrrargaricnt or opcrion:. NAME OF COMPAI,IY ADDRESS CAPACITY
18. . Arc ]rou mw or bew pu beca involvcd in 6c owncohip or mnagcocut of r
bulcorfimcid iutitrrio!?:
BA}IS
FINANCIAL
INSTITUTION
ADDRESS TELEPHONE FAX CAPACITY DATES I

No. 831 Moneylenders 25
Scc{or III - O(tcr llfom.tloD
21, Ihr! yon, * Ey ti'n3, boco delrrcd brukupt, coqoir&d riti crcditort? If o, gir ftll frtitulrr. P.!,ffi b G b, Slrb rD, ELpho, fu ntrr d nriling rdhcrs of bra{r) rtcoe llur hold drpodt st.dc Httha rccot& BANX/ PINANCIAL INSTITUTION TELEPHONE FAX ADDRESS
19. bd6 th. t,P. of sdcmh c paoftrciooJ qnllfcrtio forrcgcd ad lh y.-hr.S lty rr.coM.
PROFESSIONAL QUALMCATIONS NAMEOF
INSTITUTION
YEAR
OBTAINED
I
I a). Illt,r ya bco hdcild G Gowinrd io Bc b c cb3xfrdc ftr uy cririnrl oftocc? If rq firc ft[ pstkxdo of thG couit by wlitr you. wra mviad tho of,tncc, tta datc ofoct tcdd a[a ttc pao.lt, iqo|sd. NA}TE OF CXX,RT OFFENCE PENALry IMPSSED DATE OF INDICTMENT DATEOF @NVICIION I t l'

26 Moneylenders [No. 83
Zl. Hrw yorr rr uy drnc, fiit d o ntbS my dlba rdjud$d <tr d pqnblc by pu rs a jrdgrmcmd6tor und.r od.r of i coirl in roy jubdhim? If r, dvc lbll edelr!.
21. llaw yur bctn dirmntrod ftor tho Dtrrg@t of . bot c my oricr finr.cirl
hlitrtio for !o lct or cooduct inrolving Aosty c fcutr? If r, giw ful petttr*
24. H.vc lou boeo r dfuE@ 6 hrw pn bcco iurclvc4 in rry marr, in thc
rrrnaggmt of e Bok or fnncid intinrtioo crtich has hrd its lirc rctolccd ia rccodacc with thc lawr of Bclizo or any oticr oouty? If co, givc firll prticuln
25. Hlvc loq in Bclizs d u),TbGt!, bm coorutd c dirciptiuod by rny
profcssimal body to wiich fou belog tr bn/. b.lo!8pd or bvc 1ou crq hcld g practicitrg c.rtific.lc subjcct !o coditioos? Ifso givc firll partiodera
26. any body corpomc, p.itcrrhip or uoincorpont d iBtihnid with wbich
you $,er€ socirAd 6 a dircc-tor, owocr/ srtcmrirl $rrcholdcr, CEo or oltcr similrr pocitkn, ba co,ryulmily wo,uDd W, enpcodad pa),Dsna t,o or compouodcd yiti its cceditcs ia Beliz or clccxt€rc? If ro, gitt full Fltixrhrg includiag tbe datc wheo )ru ccacod to bo lssocist d with iL

No. 831 Moneylenders ).,
27. Ia c-Tr[g on ],olr fua.tioE I rhir moryhna4/ p.yobilHlS hniaal will
yo,u bo raiq o ltc dtrcdoo, io0rc c iauairn of ray othc pcrro? If ro, dvo fttl plticr.br of tb rro3cmcsr Gd tt. pqa!. 2t. Art pu r politkrlly o4o.od pard CPP A PEP ir d.6Ed by tbo Sos-tioo 2A of lb l.cy Lod:riry d Tcnahn (Pcvain) A.l s r Fro uto it c h. ba, colr,l.d rith r prooia Fblic fte6o!, r ioily ndcc or ch:
uociro of e pcm lb ir or hu bm loturbd witr r pmmiffi public firoaftn ia Bdb or oy ak co@. lf )E , iodiclla tho nrtro of tho drliorbip I, DECIAI,E tohw{;rytul$c ad W, tfu the ttfuiwb glrrr, abv. It trlr, @rrd otd ql* ad ,Et,ttr,td$c tlut oy rlt,,!prr'na,l,/tb, d ofil',/,at $ a wl la.r, wlfi re@ b tsfug, cnU prfu ttt qPltatu* I wbehaq u lotqu I conrttu bb e fu1 ottw/slnnloldrr. o[u:e, ryaorawl*{o ftEard ub rrc X*iatus 14 I vrll @t b RqUnw dqy tuod &a $bdq h anrylalrls of cltrlllar obvt vltl&r o p'bd q U ey" SLmrt: Dac:

28 Moneylenders [No. 83
Fom4
Momylodor lJcoloc - Shgh Storc Moacylardrr R,t,r',,,,,6(t) attttrtt tsrl cnnner nrNr 1# -tBEiiZtr SWGLE STOXE T(,1!{ErLENDEN IJ@NCD bL.{rtd. bcary6tt, &{,r,,t {olhrylaba* @tl!,/ld bdov, sabpo@:tsol*ttI {tlt rbtfut 14 otw 2e olrr. &tlrraaar'r Ln qW. w.l,trlt D-.,La..Ir-! C-tdt.lJ!..r. Ortr.C-ahlJ!-. -a rahr {lrd-&. 4D.i,.rb qct r G

No. 831 Moneylenders 29
Form 5
Moacyhn&r Llccme - Mrrtcr AScat Moncyleoder RcAdorlq 6(2) X/,S?lEn AGE NT LIO/|IE IIENDE? LIGNC E bLadtrrardb b qry d tb &st 4a LhrW a no ldaqs lald bald, tila b rqrf,',oa of ut 2 o{tb thqlobt ld, drqt 2e ottlr&ltuJr.Ina otw- 'DITEEEE,IEGI b.t-. Wr..rtt 44 ro'd1 ceNrRAL BANx '1i-nffi O.rt-,C-d l-L Jaa.. -a ra-rJlaLa-. f-.,Hdf-. C-dtd.al-.

30 Mone enders
Form 6
Moncylodcr lJccncc - Sl4lc Stoc Prvnbroker R,dltlodott 6(X) [No. 83 9.f,4, CET.ITRAL BAI.IK UF?M baad,ttr,,r,e br?drtt tuhss olatumbrra rta lubnlw How, sabJa a ryuba.,{, oftur 2 of tl tlorybbt Ad CIW 261) oltk tue,ldl',. Lz* otacba lr*t.tu, DLd..rhd ..U'-. CrtJ &rr olta[ Od-t-,CdltldLtr ra rih! d!'&.a'Lar! &..rh. r q{ tErrtttSEo.

Moneylenders 3t
FmmT
Mercylcodcr Lhctrc. - Mer Agmt Prmbrolcr RAdotu60 o"'i'1 csMrRAr nANx an-iffi NISTEN IGENT PAYNBBOTEI UCENCE bbttrtdb b eD ct lt ,'5rE d a Pdnfu ot tu l,(,}'s M &q

o@mdau 2 dtbraorylq*tld CtW 2e

otthe e$can* Lau dhlxt f-r,h..D-r C-aLr..L. c--,C*lH..l-. -a r.at, JlSrLa-! $rEi n t bq t-t@tDq No. E3l

32 Moneylenders [No. 83
SCEEI'T'LE2
Fccr
Patt A
Applicadon Fccr
Part B
Llscc Fccr
Raulaialna
Rqdatiar, t
Typ! of llcaoce TYpe .fApplkirio.t F..
Singlc Storc Moocyhdcr Initirl
Renesal
25% ofl-ic* F€€ nil
Mlstei AgcDt Mon€yl€od€r IEirirl
Rcoifld
50% of Ucooce Foe nil
Singlc Srorc Parmbrokcr toiti.l
R.enewd
25%ofl-icmFoc nil
Ms6er Agpot Paxrlb{oker IDitid
Rencsul fl)% ofl.iccocc Fc€ nil
Tlpc.f LlceG Focg
IDldrl Llcence nrlctvd Llcatr&
Sidc Srore MoDcyl€odcr s l,000 s500 Master AgcDt Moo€yleodcr $r300 3500 Singlc Storc Pcwnbmka $1,000 $500 M8tcr Ag?Dt PrwDbrokrtr s1,(x)0 $s00

No. 831 Moneylenders 33
MADE by rhc Rcgisrru ois2 t day of 7)" /t L*zotl A-JOY GRANT Govcrnor, Ccntrd But of Bcllze RegbFrr APPROVED by thc Miaistcr respoasiblc for finrncc 20t7. ai{a"t,{futrfi, O. BARROW Prlme Mlnlster Fintnce and Natural Resources LAID in thc Scmarc this &y of ,2017 Clerk to the Nedond Arsembly II\ID in thc Housc of Reprcscoativc this day of 20t7. Clerk to tbe Nsdonal Assembly /w' Purrurtrt to !.c1do! 36(3Xb) of the Moneylandcn Act, Crp. 260, thece Regrlrtlonr rc hcrcby ldd ln the Nrdoul Arsembly .nd l[bJcct to negrdve rcroludon