RIO RESOURCES...my 1st success!!!!!!!!

MTE FINANCIAL SERVICES d/b/a

RIO RESOURCES

FAX: 866-668-0535

Email: compliancedepartment@rioresourcesllc

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May 17, 2006


Email:

RE: Your Complaint

Ms. Kaiser,

We have received your correspondence regarding your complaint with our company. It appears as though you have misunderstood the terms of your loan agreement.

While the information that you have collected may apply to companies that have locations in your state, it does not apply to Internet Lenders. We do not have a physical location (office) in your state, therefore the same restrictions do not apply to us. This is based on sound advice from our legal department.

We lent you money in good faith, with the understanding that you would abide by the terms detailed on your loan contract. We upheld our end of the agreement by crediting the funds to your account, and had good faith that you would uphold your end of the agreement in return.

While we believe that all terms and conditions of the loan agreement have been met on our end, it has always been our policy to make sure that the customer is happy and completely satisfied with our services. For this reason, we are refunding your full finance charge on your loans to you since you believe it to be unfair.

It has been a pleasure doing business with you. Your account will be marked Paid In Full and the Lender will be prepared to send you a refund check in the amount of $155.00. This includes any amount paid above the total of $500.00 that we lent to you. We expect this offer will bring us to an amicable resolution.

Please acknowledge your understanding and acceptance of our proposal if you are in agreement with the offer detailed above. Once your acknowledgement/agreement is received, we will expedite the issuance and mailing of your refund check to the mailing address listed above.

Thank you for your time and consideration in this matter.

Respectfully,

Compliance Department

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