Lendumo complaints

This inquiry related to a loan from Niswi, LLC dba Lednumo (the "Company"), which is owned by the Lac du Flambeau Band of Lake Superior Chippewa Indians ("Tribe"). The Company takes these types of inquiries very seriously and would like to provide you with the below information. Nothing in this communication should be construed as a waiver of the Tribe's or the Company's sovereign immunity, all of which are expressly preserved. The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC ("LDF Holdings"). LDF Holdings is a wholly-owned and operated subsidiary of the L.D.F. Business Development Corporation, which is a wholly-owned and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of 1934, 48 Stat. 984, 25 U.S.C. §§ 476, et seq., as amended, and is identified on the United States Department of Interior's list of federally acknowledged Indian Tribes. 83 FR 34863-01 (July 23, 2018). The Company is an arm of the Tribe. As an arm of the Tribe, the Company possesses all of the privileges and immunities of the Tribe. The Tribe and the Company are entitled to tribal sovereign immunity and they are not subject to state law. Wells Fargo Bank, N.A. v. Lake of the Torches Econ. Dev. Corp., 677 F. Supp. 2d 1056, 1061 (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity). The Company issues loans in accordance with the Tribe's Tribal Consumer Financial Services Regulatory Code and it is licensed under Tribal law. The customer's loan agreement provided that it would be governed by the laws of the Tribe, without regard to the laws of any state. The interest and fees applicable to the loan are permitted by Tribal law. They were accurately and clearly reflected in the loan agreement that the customer signed before receiving the loan. The customer also received a TILA disclosure that outlined the amount and date of each payment required under the loan agreement. Due to its immunity, the loan is not subject to state law and the Company is not required to be licensed with any state. The customer's loan is legal. As a courtesy to Carol, we will consider all payments made to date and close the account without any further obligation. If Carol has any questions, she may call the Company at 1-877-558-1999 Docusign Envelope ID: 77721659-C7C6-464A-9853-7A6CF561F706 Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 If you would like to discuss these issues further on a government-to-government basis, please direct any communications through the Company's legal counsel: Amanda Lewandowski at Spencer Fane, LLP, 1000 Walnut, Suite 1400, Kansas City, MO 64106, 816-292-8376, [email protected]. But, again, please be advised that nothing in this communication should be construed as a waiver of the Tribe's or the Company's sovereign immunity, all of which are expressly preserved.The Company trusts that the complainant will find this letter of explanation satisfactory. However, if the complainant is not satisfied with the Company's resolution of this matter, pursuant to Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance, which can be found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-ConsumerFinancial-Services-Reulatory-Ordinance.pdf, he/she may pursue formal dispute resolution with the Tribal Consumer Financial Services Regulatory Authority ("Authority"). To do so, he/she must send a written request to the Authority at P.O. Box 25, Lac du Flambeau, Wisconsin 54538. The request must contain the information required by Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance. Kindest Regards, _____________________________ Racquel Bell Compliance Manager Niswi, LLC dba Lendumo

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This responds to the above-referenced complaint. This inquiry related to a loan from Niswi, LLC dba Lendumo (the "Company"), which is owned by the Lac du Flambeau Band of Lake Superior Chippewa Indians ("Tribe"). The Company takes these types of inquiries very seriously and would like to provide you with the below information. Nothing in this communication should be construed as a waiver of the Tribe's or the Company's sovereign immunity, all of which are expressly preserved. For a detailed breakdown of your loan agreement terms, including the truth in lending procedures, please log into our website to download and review your agreement for full clarity. To summarize the financial aspects of your loan: • The principal amount was $3,500.00. • The total interest paid was $526.18. • No additional fees were charged. you received your loan funds on 04/23/2024, and as a courtesy, your account was closed without further obligation on 01/13/2025. Should you have any questions, please contact Customer Service at 1-877-558-1999.

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Dear Ms. Villalobos: This responds to your recent complaint related to a loan from Niswi, LLC dba Lendumo (the "Company"), which is owned by the Lac du Flambeau Band of Lake Superior Chippewa Indians ("Tribe"). The Company takes these types of inquiries very seriously and would like to provide you with the below information. Nothing in this communication should be construed as a waiver of the Tribe's or the Company's sovereign immunity, all of which are expressly preserved. The Company is a wholly-owned and operated subsidiary of LDF Holdings, LLC ("LDF Holdings"). LDF Holdings is a wholly-owned and operated subsidiary of the L.D.F. Business Development Corporation, which is a wholly-owned and operated economic arm and instrumentality of the Tribe. The Tribe is a federally recognized Indian tribe, organized under a Constitution pursuant to the Indian Reorganization Act of 1934, 48 Stat. 984, 25 U.S.C. §§ 476, et seq., as amended, and is identified on the United States Department of Interior's list of federally acknowledged Indian Tribes. 83 FR 34863-01 (July 23, 2018). The Company is an arm of the Tribe. As an arm of the Tribe, the Company possesses all of the privileges and immunities of the Tribe. The Tribe and the Company are entitled to tribal sovereign immunity and they are not subject to state law. Wells Fargo Bank, N.A. v. Lake of the Torches Econ. Dev. Corp., 677 F. Supp. 2d 1056, 1061 (W.D. Wis. 2010) (holding that entities acting as arms of a tribe are entitled to tribal sovereign immunity). The Company issues loans in accordance with the Tribe's Tribal Consumer Financial Services Regulatory Code and it is licensed under Tribal law. Your loan agreement provided that it would be governed by the laws of the Tribe, without regard to the laws of any state. The interest and fees applicable to the loan are permitted by Tribal law. They were accurately and clearly reflected in the loan agreement that you signed before receiving the loan. You also received a TILA disclosure that outlined the amount and date of each payment required under the loan agreement. Due to its immunity, the loan is not subject to state law and the Company is not required to be licensed with any state. Your loan is legal. As a courtesy to you, Crystal Villalobos, we will consider all payments made to date and close your account without any further obligation. If you, Crystal Villalobos, have any questions, contact Customer Service at 1-877-558-1999.DocuSign Envelope ID: 570C5B5D-E07B-44B8-BCF5-AAE17C745E3E Niswi, LLC dba Lendumo Po Box 542 Lac du Flambeau, WI 54538 LDF Holdings Po Box 231 Lac du Flambeau, WI 54538 The Company trusts that you will find this letter of explanation satisfactory. However, if you are not satisfied with the Company's resolution of this matter, pursuant to Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance, which can be found at https://www.ldftribe.com/uploads/files/Court-Ordinances/CHAP94-Tribal-Consumer-FinancialServices-Reulatory-Ordinance.pdf, you may pursue formal dispute resolution with the Tribal Consumer Financial Services Regulatory Authority ("Authority"). To do so, you must send a written request to the Authority at P.O. Box 25, Lac du Flambeau, Wisconsin 54538. The request must contain the information required by Section 10 of the Tribal Consumer Financial Services Regulatory Ordinance. Kindest Regards, ________________________ Brittany Allen Director of Lending Niswi, LLC dba Lendumo

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Dear Ms. Villalobos, As of March 22, 2024 your account is considered paid in full and closed. If you, Ms. Villalobos, have any questions, contact Customer Service at 1-877-558-1999. Kindest Regards.

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