Responsible Lending and Marketing

Important Disclosure. Please Read Carefully.

Maawanji’idiwag, LLC, the owner and operator of this website and its services (collectively, “Service”), is not a lender or creditor, is not a broker, does not make offers

for loans, and does not make any credit decisions. We are not a representative or agent of any lender and have no control over the lenders or lending partners in our network. Maawanji’idiwag, LLC is a wholly owned subsidiary of Tribal Economic Development Holdings, LLC, a wholly owned and operated economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians (“Tribe”), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law.

Use of our Service and submission of a loan request is not submission of a loan application. We do not guarantee that you will be approved for a loan. This Service may not be available to residents of every state. Some lenders or lending partners may obtain consumer reports or conduct credit checks through Equifax, Experian,

TransUnion, or other alternative credit bureaus. Some lenders may require faxing of information. In some instances, you may have to visit a physical store or branch location to complete your loan request process. Please contact your lender directly with questions or issues regarding your loan.

Consumer Notice

Shorter-duration loans from third-party lenders are meant to provide temporary relief for financial needs and are not intended as long-term financial solutions. Consumers who have credit problems or who face debt should seek professional debt and credit counseling. Consumers are encouraged to learn of the risks involved with taking out shorter-duration loans, loan alternatives that may be more suitable for your financial needs and situation, and any local and state laws around shorter-duration loans in your state. If you accept the terms and conditions for a loan offer, you agree to repay the loan principal and finance charges according to the payment schedule detailed in the documents provided to you by your lender. We strongly encourage you to thoroughly read all loan agreements provided to you. If you miss a payment or make a late payment, additional fees or charges may apply. We do not control the amount of fees or charges you may owe for nonpayment, late payment, or partial payment.

Ask your lender for more information.

Implications of Late Payments

It is important that you understand the consequences of making late payments on your loan. Late payments on your loan may result in additional fees or collection activities, or both. Third- party lenders have their own policies regarding late and partial payments. We strongly encourage you to review the terms governing late payments and partial payments provided in your loan document before signing the loan agreement.

Implications of Non-Payment

Non-payment of credit could result in collections activities. Third-party lenders have their own policies regarding non-payment. We strongly encourage you to review your particular lender’s policy on non-payment including any fees and penalties you may be subject to for non-payment.

Paid by Lenders, Lending Partners, Networks, or Other Marketers

The operator of this Service does not make loan offers; we aim to connect consumers with lenders. Submitting a loan request allows us to connect you to third-party lenders, lending partners, other networks and marketers, and these parties pay us if they offer you a loan or if a lender within their network is able to offer you a loan. If you receive a loan offer, be advised that the lender or lending partner you are paired with may not offer you the best loan terms for your financial situation.

Credit Implications

Third-party lenders may conduct credit checks with credit bureaus or obtain consumer reports through alternative providers to determine your eligibility for a loan. By submitting your information to us, you agree to allow us to share your information with lenders, lending partners, and marketing partners in our network and for these parties to verify your information and perform credit checks. You are not obligated to contract with any third-party lender or party within our network.

Availability

Our Service is not available in all states. We reserve the right to change the availability of our Service at any time without notice. If you request a loan in a state where such loans or loan products are prohibited, or where our Service does not have an available lender or lending partner, you will not be connected to a lender or lending partner. Please familiarize yourself with your state’s regulations pertaining to shorter-duration loans. In using our Service, it’s possible that you may be connected with a tribal lender. Please be aware, tribal lenders are subject to tribal law and particular federal laws, which govern its loans and related agreements, but are exempt from abiding by state law. Please fully read and understand the terms of any loan offered by any lender. Do not agree to a shorter-duration loan offer that includes terms you do not agree to, or that you are unable to repay.

Marketing Practices

To register for our Service, you must agree to our Privacy Policy, Terms of Service, and E-Consent. By registering to use our Service, you are giving your express consent to receive promotional and advertising materials from us, our network of lenders, and third-party marketers with whom we may share your information. They may also provide information to you about additional services and/or products. You further

understand and consent that all communications, whether to assist you in obtaining the loan you requested or for promotional purposes or otherwise, may be through direct mail, e-mail (at the e-mail address you provided) and/or by telephone/mobile device (at the number(s) you provided) regardless of whether your e-mail address and/or numbers may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or the like.

To opt out of receiving such marketing materials and/or communications, you may request to be removed by using the relevant opt-out mechanism in such communications or by contacting the third party directly. We are not responsible for any promotional and advertising materials sent to you by the lender and other marketers and have no control over stopping unwanted communications directed to you from sources beyond our direct control. You will need to contact your lender and/or the sender of the communication directly to remove your name and/or contact information from their list of recipients.