NIIWIN, LLC

Thank you for providing us with the opportunity to address this customer’s concernsA $loan was requested by and funded to Mr [redacted] on September 16, The customer had the opportunity to review all of loan’s terms and conditions as they appear in both the consumer website and the loan agreement reviewed and signed by the customer At the time of the customer’s call, w also went through all of the customer’s options when it came to repaymentTo date, Mr [redacted] has only made a partial repayment toward his $loan based on the loan termsAs a courtesy, at this time, we have decided to waive this customer’s remaining balance and deem his account closedShould Mr [redacted] have any remaining questions, we urge him to contact us at his convenience to discuss Best regards, [redacted]

Regarding the complaint filed by Ms [redacted] I have reviewed her file and listened to a recorded call concerning this loanHere are my findings:- On July 31st 2014, Ms [redacted] applied for and was funded a loan in the amount of $on August 1st During the origination of the loan, several re-payment options were explained to Ms [redacted] and she chose to have the loan “re-new” Also during this call Ms [redacted] was advised that the loan was fully open & she would be able to change her payments at any time A copy of the loan agreement showing the payment options Ms [redacted] chose was sent out via email to her, which she acknowledged, signed & returned to us before the loan was funded In an effort to resolve this issue quickly we are prepared to accept re-payment of the principal only in the amount of $ Ms [redacted] is being copied on this email, and a further email with payment instructions will also be sent to her We hope this satisfies and resolves this matterShould you have any further questions, please do not hesitate to contact me directly Sincerely [redacted] Collections Supervisor Lendgreen – PO Box 221, Lac Du Flambeau, WI [redacted] ***

Thank you for providing us with the opportunity to address this customer’s concerns [redacted] called our office on 01/16/inquiring what the payoff balance would be on his $loan [redacted] was not satisfied with the amount given as he stated several payments have been made towards the balance of this loan The terms of the loan were explained to the customer and further informed the [redacted] had requested a loan product for paymentsThe customer was advised of the daily interest at the time of the loan application At this time, the customer has made partial repayment of the loan based on the terms and conditions within his signed loan agreementWe encourage [redacted] to contact our office to discuss further options Regards, [redacted] Lendgreen Complaints [email protected]

According to our files, we received a copy of the complaint from your office on May7th, Our team carried out an investigation, and on May 9th, we sent an email to your attention, the customer was copied in the communicationOn May 12th, the customer communicated with us via emailWe offered to settle for $(balance outstanding $424)On May 15th, Robin sent us an email stating she was going to do her best to honor the payment arrangementHowever, we never received a payment for the new arrangementThe last payment received was on March 7th for $110, before the new payment schedule was placedSince then, the account is not on regular collection activity I’d like to take this opportunity to ask for your advice on how we may improve our company’s rating on your siteAlso, is the information attached going to positively impact our rating? Regards, [redacted] ***

Thank you providing us the opportunity to address the [redacted] concernsA $loan requested by and funded to [redacted] on 09/23/On [redacted] called our office on November 24, 2015, [redacted] the repayment terms where clearly explained to the customerOur customer service representative are available to answer any questions about the repaymentWe encourage [redacted] to contact our office to discuss further Regards, [redacted] Lendgreen Complaints Department1-855-832-

I have reviewed the fileA loan was requested by and funded to [redacted] on July The customer had the opportunity to review all of the loan’s terms and conditions*** [redacted] has only made partial repayment towards the loan of $loan based on the loan termsAs a courtesy, at this time we have decide accept $to satisfy the loanWe encourage the [redacted] to contact our office to make suitable arrangements Regards, [redacted] Lendgreen Complaints [email protected]

We have received the complaint regarding your case # above, concerning [redacted] ***I have reviewed the file & here are my findings:- · Mr*** was funded a loan in the amount of $on July 17th · On July30th a successful payment in the amount of $cleared his bank account· On August 13th & August 27th payments in the amount of $each were returned from his bankThe 1st payment came back NSFThe 2nd was returned as “Account Frozen” · On September 8th we received an email from Mr [redacted] asking for the full balance of the account so he could pay it· On September 8th we responded to the customer’s email telling him he would only be able to pay via Money Order as the last payment came back from his bank as “Account Frozen” · On September 9th the customer sent an email requesting an address to send the Money Order· On September 9th we responded with the mailing address for a Money Order and asked him for approximate dates when he would be sending the Money Orders & for how much Since then we have had no contact from Mr [redacted] until this complaint The current balance on this loan is $700, however we are prepared to apply the payment of $that did clear his bank account & settle the loan for $– which is the difference between the $principal borrowed & the successful payment of $ I am copying Mr [redacted] on this email, so he is aware of the settlement offer Sincerely, [redacted] Collections Supervisor Lendgreen – PO Box 221, Lac Du Flambeau, WI 855-832-

Thank you for providing us with the opportunity to address this customer’s concernsAlice Spencer contacted our office on 12/04/in regards to obtaining a loan for $The terms of the loan were explained to the customer [redacted] was given all the dates and amounts of each payment (total of payments)The loan agreement was sent to the customer, the customer acknowledge she has already signed a loan documentThe customer service representative explained the system set it up as installments which was incorrect [redacted] , acknowledged the issue and continued with the application, the new loan document indicating payments was e-signed by Alice SpencerThe customer received thank you and congratulations message indicating the E-signature has been receivedWe encourage Alice Spencer to contact our office to discuss further Regards, [redacted] Complaints Department 1-855-832-www.lendgreen.com

Regarding your ID # [redacted] , [redacted] for a loan with LendgreenI have reviewed Ms [redacted] file and listened t the recorded calls and here are my findings:- · Ms [redacted] applied for and was funded a loan in the amount of $on June 11th · Ms [redacted] was given several r4e-payment options at the time loan was originated, and she chose the option of partial pay-down of the principal in increments · On June 17th Ms [redacted] called our office to inquire on her payment arrangements, she was given the next payment date of June 20th and an amount of $She was asked if she wished to increase the payment, which she refused · On July 27th Ms [redacted] again called our office to verify her payment of August 1st · payments totalling $successfully cleared Ms [redacted] ’s bank account on June 20th, July 7th, July 18th and August 1st We have had no further communication from Ms [redacted] until receiving this complaint At this time we are prepared to accept Ms [redacted] ’s payments as made to satisfy the loan I have copied Ms [redacted] on this response Sincerely [redacted] Collections Supervisor Lendgreen – [redacted]

Thank you so much for taking the time to help me with this matter, I've received a response from the company (read below)Although, they have denied my request of a refund for fees already paid that surpass the NJ 30% interest rate cap, they will close account and clear the remaining balance At this point and for the sake of moving on, I will accept their resolution as satisfactorythanks [redacted] From company: Hi [redacted] , We are in receipt of your email regarding your accountAs clearly indicated in its website disclaimers and the loan documents executed by you, Niiwin LLC dba Lendgreen an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by, the Lac du Flambeau Band of Lake Superior Chippewa Indians of WisconsinOur website clearly identifies its location within the exterior boundaries of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin, a sovereign Native American NationAs such, Niiwin LLC conducts its’ business under Federal law and the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin TribeIt is exempt from state regulation due to its Native American statusPursuant to Federal Law, Niiwin LLC is a completely lawful enterprise and can conduct business within the US By signing your consumer loan agreement, you agreed to be bound solely by the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians Tribe and the jurisdiction of its CourtsIn addition, you agreed to comply with all the terms and conditions of the Loan Agreement and the terms of our agreement will standNiiwin LLC relied upon your representations in good faith and approved your loan based upon such representationsNiiwin LLC loaned you the money in good faith that you would repay the note as promisedNiiwin LLC is fully within its rights to require repayment as originally agreed Your current balance is $230.39, however as a courtesy, accepting the payments you have already made to satisfy the loan, and close it with a zero balance We believe this is more than fair in light of the circumstancesFeel free to call us with any questions Regards, [redacted] Customer Care Specialist | US OperationsTel: 1-855-832- | Fax: [email protected] | www.lendgreen.com

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me From: [redacted] *** [redacted] >Date: Tue, Oct 14, at 3:PMSubject: RE: You have a new message from the Revdex.com of WisconsinTo: "[email protected]" I don't remember them contacting me saying I only have to pay a total of dollarsHowever, if that's what they want to settle with I can pay that at the end of NovemberDue to current bills I can not settle until then but I am willing to pay dollars at the end of NovemberAgain I would like to state I don't recall them saying they would settle for that Regards, [redacted] ***

I have reviewed the loan concerning the above complaint and here are my findings:- · The customer was funded a loan in the amount of $on April 4th · Two payments successfully cleared her account totalling $in May · The third payment dated June 8th in the amount of $was returned from her bank as “Payment Stopped by Customer” · On June 17th during a conversation with an agent on an outbound call, the customer agreed to make payments in the amount of $to clear the balance of the loanThe 1st payment of this plan came back NSF · On June 29th the customer called in to advise us that she lost her job and would have to mail Money Orders for making paymentsShe promised to mail in $bi-weekly starting July 7th · On July 8th an outbound calls was made and the customer informed the agent that a money order had been mailed that same day for $(as of today we have not received a money order for this account) · On July 17th we received an email from the customer stating she had retained a lawyer and was disputing the interest and our licensing · On July 17th an email was sent to the customer offering to settle the loan for a payment of $– which is the difference between the principal she borrowed and the payment made towards the loan – as of today, we have not received a response to that email If you require any further information, please contact me directly, Sincerely, [redacted] Collection Support Administration Northcash - PO Box 498, Hays, MT 289-295-

Thank you for providing us with the opportunity to follow up with this customer’s concernsWe are more than happy to work with the customer but it seems she is unwilling to contact us and work with us on a mutually agreeable resolutionIn order to resolve this amicably, at this time, we have waived the customer’s remaining balance and closed her accountAs this is all we can do, we deem this matter closed
Regards,
*** ***
Complaints Department
1-855-832-www.lendgreen.com

*** *** loan with LendgreenUpon review of *** Thomas file she called in and spoke to an agent 06/29/made an
arrangement to pay her loan back on 07/03/via money order in the sum of $To date the payment has not been received.
Regards,
***
Lendgreen
Collections Support Specialist
P.O Box Lac Du Flambeau,WI, P*** *** ***
F* *** ***

We are in receipt of your email regarding your accountAs clearly indicated in its website disclaimers and the loan documents executed by you, Niiwin LLC dba Lendgreen an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by, the Lac du Flambeau Band of Lake Superior Chippewa Indians of WisconsinOur website clearly identifies its location within the exterior boundaries of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin, a sovereign Native American NationAs such, Niiwin LLC conducts its’ business underapplicable Federal law and the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin TribeIt is exempt from state regulation due to its Native American statusPursuant to Federal Law, Niiwin LLC is a completely lawful enterprise and can conduct business within the USBy signing your consumer loan agreement, you agreed to be bound solely by the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians and the jurisdiction of its CourtsIn addition, you agreed to comply with all the terms and conditions of the Loan Agreement and the terms of our agreement will standNiiwin LLC relied upon your representations in good faith and approved your loan based upon such representationsNiiwin LLC loaned you the money in good faith that you would repay the note as promisedNiiwin LLC is fully within its rights to require repayment as originally agreedYour current balance is $230.39, however as a courtesy, at this time, we will accept all payments made to date to satisfy the loan, and we will close your account with a zero balanceWe also respect your decision to be placed on our DNC list and will not be contacting you via phoneWe believe this is more than fair in light of the circumstancesFeel free to call us with any questions
Regards,
*** ***
Collections Supervisor US & Canadian OperationsTel: 1-855-832-ext:| Fax: [email protected] | www.lendgreen.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I would like my $back! I don't understand why I wasn't able to pay the loan off the day I called? I also want to know why they wouldn't take my monthly payment minus the payoff balance, instead they added my monthly payment to my payoff amountPlease inform the WORLD that his company will rob you blindsided, and return my moneyPlease don't tell me to contact them because whenever I do contact them they say they can not help me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

As clearly indicated in its website disclaimers and the loan documents executed by you, Niiwin LLC dba Lendgreen is an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by, the Lac du Flambeau Band of Lake Superior Chippewa Indians of WisconsinOur website clearly identifies its location within the exterior boundaries of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin, a sovereign Native American NationAs such, Niiwin LLC conducts its’ business under all applicable Federal law and the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians of WisconsinConsequently, Lendgreen is exempt from state regulation due to its Native American statusPursuant to Federal Law, Niiwin LLC is a completely lawful enterprise and can conduct business within the USBy signing your consumer loan agreement, you agreed to be bound solely by the laws of the Lac du Flambeau Band of Lake Superior Chippewa IndiansTribe and the jurisdiction of its CourtsIn addition, you agreed to comply with all the terms and conditions of the Loan Agreement and the terms of our agreement will standNiiwin LLC relied upon your representations in good faith and approved your loan based upon such representationsNiiwin LLC loaned you $on 4/20/in good faith with the promise that you would repay the note as promisedNiiwin LLC is fully within its rights to require repayment as originally agreedIn your Revdex.com complaint, you stated you believe you only owed a total of $to pay off your loanUnfortunately, the letter you received stated that the $was due to catch up with your payments and get you back to the payment schedule as outlined within your signed consumer loan agreementAdditionally, you requested a change to your payment arrangement after hours on 11/23/Because we need full business days to review your request, we were unable to make any changes to your payment schedule prior to your 11/due dateOn 4/20/you requested and were funded a $loan with Lendgreen. At this time, you have made payments totaling $As a courtesy, and in an effort to resolve this amicably, Lendgreen has accepted all of your payments up to date to satisfy the principal loan and all finance fees incurred throughout the life of the loanAs per your request, the loan is now completely settledThank you for providing us with the opportunity to address your concernsRegards,
*** ***
Lendgreen Complaints [email protected]

Thank you for providing us with the opportunity to follow up with this customer’s concerns. We are more than happy to work with the customer but it seems she is unwilling to contact us and work with us on a mutually agreeable resolution. In order to resolve this amicably, at this time, we have waived the customer’s remaining balance and closed her account. As this is all we can do, we deem this matter closed Regards,[redacted]Complaints Department1-855-832-7227www.lendgreen.com

We are in receipt of your email regarding your account. As clearly indicated in its website disclaimers and the loan documents executed by you, Niiwin LLC dba Lendgreen an economic development arm of, instrumentality of, and a limited liability company wholly-owned and controlled by, the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin. Our website clearly identifies its location within the exterior boundaries of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin, a sovereign Native American Nation. As such, Niiwin LLC conducts its’ business underapplicable Federal law and the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin Tribe. It is exempt from state regulation due to its Native American status. Pursuant to Federal Law, Niiwin LLC is a completely lawful enterprise and can conduct business within the US.By signing your consumer loan agreement, you agreed to be bound solely by the laws of the Lac du Flambeau Band of Lake Superior Chippewa Indians and the jurisdiction of its Courts. In addition, you agreed to comply with all the terms and conditions of the Loan Agreement and the terms of our agreement will stand. Niiwin LLC relied upon your representations in good faith and approved your loan based upon such representations. Niiwin LLC loaned you the money in good faith that you would repay the note as promised. Niiwin LLC is fully within its rights to require repayment as originally agreed.Your current balance is $230.39, however as a courtesy, at this time, we will accept all payments made to date to satisfy the loan, and we will close your account with a zero balance. We also respect your decision to be placed on our DNC list and will not be contacting you via phone.We believe this is more than fair in light of the circumstances. Feel free to call us with any questions  Regards, [redacted]Collections Supervisor US & Canadian OperationsTel: 1-855-832-7227 ext:342 | Fax: [email protected] | www.lendgreen.com