02/27/2021

isaac hobart

424 CARTER HOUSE RD , LA VERGNE, TN 37086

Dear isaac:

You recently applied for a loan with the below creditor:

West Side Lending

Po Box 687

Keshena, WI 54135

Thank you for your application. After carefully reviewing your application, we are sorry to advise you that we cannot grant a loan to you. If you would like a statement of specific reasons why your application was denied, please contact our compliance manager shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request.

West Side Lending

ATTN: Compliance Manager

Po Box 687, Keshena, WI 54135

888-217-7531

If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address, and toll-free telephone number are shown below. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file at the consumer reporting agency (if one was used) by contacting:

Consumer Reporting Agency

Not Applicable

The creditor is a wholly-owned and operated instrumentality of the Menominee Tribe of Wisconsin ("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, Menominee Restoration Act, Public Law 93-197 (December 1973). The Tribe and the creditor, as an "arm of the tribe," are entitled to tribal sovereign immunity. As an arm of the Tribe, the creditor possesses all of the privileges and immunities of the Tribe. Please note that nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly preserved.

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act The Federal agency that administers compliance with the Federal Equal Credit Opportunity Act is the Federal Trade Commission, Equal Credit Opportunity, 600 Pennsylvania Avenue, Washington, DC 20580.

Sincerely,

West Side Lending

Po Box 687, Keshena, WI 54135

888-217-7531

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