Exhibit 6 — Email Chain between Indiana Members Credit Union, SBA, and Prestamos — Marshall v. Prestamos CDFI

Summary

Exhibit 6, filed October 4, 2024 as Document 142-10 in Case 5:21-cv-04337-JMG, is a July 2021 email chain in which Kelly Gridley of Indiana Members Credit Union listed deposits from Prestamos with red flags, such as no evidence of business activity, and asked Prestamos for a hold harmless before returning the funds. On July 26, 2021, SBA Special Investigative Counsel Mary Beth Cvengros wrote that borrowers may have withdrawn funds and SBA may have suffered a loss because of Prestamos' delay in investigating potential fraud on the loans, and by July 28 the credit union said checks payable to Prestamos CDFI would be processed and mailed.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

Record facts

Full text

Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 1 of 42
Ex. 6 —Email Chain between Indiana Members Credit
Union, SBA, and Prestamos
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 2 of 42
Message

From: Evolve Payment Processing [paymentprocessing @getevolved.com]

Sent: 7/29/2021 1:59:11 PM

To: Jose Martinez [JJose.Martinez@cplc.org]

cc: Azita Zahedi [azita.zahedi@getevolved.com]; Develyn King [develyn.king@getevolved.com]; Jeff Theiler
[jeff.theiler@ getevolved.com]; Kelly Gridley [kgridley@imcu.com]

Subject: [Ticket #372628 Closed] RE: URGENT

Your request (372628) has been processed and the ticket is now closed,

ee DL EASE DO NOT REPLY to this email unless you meed to re-open the ticket for additional information. **

Jose Martinez

Thank you

From: Kelly Gridley <KGridley@IMCU.com>

Sent: Wednesday, July 28, 2021 11:57 AM

To: ‘Floyd Brummett' <Floyd.Brummett@getevolved.com>; Jose Martinez <jose.Martinez@cplc.org>:
Payment Processing Operations <paymentprocessing@getevolved.com>

Cc: Jeff Theiler <jeff. Theiler@getevolved.com>; Azita Zahedi <azita.zahedi@getevolved.com>;
Develyn King <Develyn.King@getevolved.com>

Subject: RE: URGENT

These will all be processed today and in the mail tomorrow (it’s 3pm here so mail has already gone
out).

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union
P.317,554.8197| F: 317.554.8197
Facebook | Twitter | MCU COM
indy Star Too Worknlaces 2020

Highly Confidential PRESTAMOS-00299167
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 3 of 42
From: Floyd Brummett [malito:Floyvd Brummett@getevalved. com]

Sent: Wednesday, July 28, 2021 1:01 PM

To: Jose Martinez <jose.Martinez@cpic.org>: Kelly Gridley <KGridley@iMCU. com>; Cvengros, Mary
E. <mary.cvengrosésba,qov>; Payment Processing Operations

<paymentprocessing@ueltevolved, com>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.
<Debra.Mayer@sba,qov>; investigations @biueacorn.co: Debbie Marrelli <OMarreli@iMCU com>:
Jeff Theiler <jeff, Theller@getevalved.com>,: Azita Zahedi <azita.zahedi@getevelyed com>; Develyn
King <Bevelyr King@getevolved.com>

Subject: [EXTERNAL]RE: URGENT

Good afternoon,
| have attached all four from below.

Please send checks for each payable to Prestamos CDFI to

Attn: Ean Colley / VP Bank Operations
c/o Evolve Bank and Trust

6070 Poplar Avenue

Suite 200

Memphis TN 38119

Thank you,

FLOYD BRUMMETT

Process Pmorovement Manager

floyd brummeti@qetevolved.com
O 866,367 261]
d 861.969, 2055

From: Patricia Gonzalez <Patricia,Gonzalez@cplc,ora> On Behalf Of Jose Martinez

Sent: Wednesday, July 28, 2021 10:35 AM

To: Kelly Gridley <kGridley2iIMCU com>; Jose Martinez <jose,Martinez@cpic.org>; Cvengros, Mary
E. <mary.cvengros@sha.dov>; Payment Processing Operations

<paymentorocessinga@aetevelved com>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle. Blank@sba.cov>; Mayer, Debra L.
<Oebra Maver@sba aov>: investiqations@biueacorn.co; Debbie Marrelli <DMarrellL@iIMCU com>:

Highly Confidential PRESTAMOS-00299168
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 4 of 42
Floyd Brummett <Floyd Brummeti@qetevolved.com>; Jeff Theiler <jeff. Theiller@qetevolved com>;

Azita Zahedi <azita.zanedi@aetevelved com>
Subject: RE: URGENT
Importance: High

Good Morning,
Please provide an LO! for all clients below.

Thank you.

From: Kelly Gridley <kGridley@IMCU com>

Sent: Wednesday, July 28, 2021 5:01 AM

To: Jose Martinez <jose,Martinez@cpic.ora>; Cvengros, Mary E. <mary..vengros@sba.qov>; Patricia
Gonzalez <Patricia Gonzalez@cpic.ara>

Cc: Blank, Michelle L. (Off. inspector Gen.) <Michelic Blank@sha.gov>; Mayer, Debra L.

<Debra Mayer@sba.gov>: investigations@blueacorn.co; Debbie Marrelli <OMarrelH@IMCU com>
Subject: RE: URGENT

Patricia /iose,

See below for LOLinfo. [want to also be certain you conducted your own investigation or took the
notes from Blueacorn, as the only one I’ve heard back from them on is EE <icatec she
sent over notes to you this week, but she didn’t provide me with those details.

The other 3 checks were cut and mailed yesterday.
Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union
P.317,554.8197| F: 317.554.8197
Facebook | Twitter | MCU COM
indy Star Too Worknmlaces 2020

Highly Confidential PRESTAMOS-00299169
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 5 of 42
From: Patricia Gonzalez [mailto:Patricia.Gonzalez@cpic.ora] On Behalf Of Jose Martinez
Sent: Tuesday, July 27, 2021 1:00 PM

To: Cvengros, Mary E. <mary.cvengros@sba gov>; Kelly Gridley <KGriciey@iIMCU com>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle. Blank@sba.gov>; Mayer, Debra L.

<Debra, Mayer@sba.qov>: investigations@biveacoarn.co

Subject: [EXTERNAL]RE: URGENT

Kelly,
My apologies for the delay.
please provide requested information to issue LOL

Sender Name: Prestamos

» Receiver Nance i

- Receiver Account:
- Receiver Routing: [RB
- Amount:

- Effective Date: 5/13/21
: Date Settled: 5/13/21

Sender Name: Prestamos

- Receiver Name:

- Receiver Account: [I
- Receiver Routing: EE

. Amount: ag
- Effective Date: 5/18/21
- Date Settled: 5/18/21

Trace 1 as

Sencder Name: Prestamos

- Receiver Name: i

- Receiver Account: [RR
- Receiver Routing:

‘ Amount:

- Effective Date: 6/15/21

- Date Settled: 6/15/21

Highly Confidential PRESTAMOS-00299170
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 6 of 42
Sender Name: Prestamos

- Receiver Account:

» Receiver —
- Amount:

- Effective Date: 6/11/21

- Date Settled: 6/11/21

Thank you

From: Cvengros, Mary E. <mary.cvenares@sba.gov>
Sent: Monday, July 26, 2021 7:40 PM

To: Jose Martinez <iose,Martinez@cpic.cra>: Patricia Gonzalez <Patricia. Gonzalez@colc.org>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.

<Debra Maver@sba.gov>: investigations@blueacorrn.ce

Subject: URGENT

Jose and Patricia,

Please provide me with a reason why Prestamos has not responded to the credit union. It appears
borrowers may have withdrawn funds and SBA may have suffered a loss as a result of your delay in

investigating the potential fraud on these loans.

SBA expects you to take action immediately to recover on these loans.

Mary Beth Cvengros
Special Investigative Counsel
US Small Business Administration

From: Kelly Gridley <KGricley@IMCU com>
Sent: Monday, July 26, 2021 10:15 AM

To: ‘Jose Martinez’ <icse.Martinez@cplc.ora>; patricla.gconzalez@cpic.ord

Cc: ‘Investigations’ <investigations@biueacorn.ca>; Blank, Michelle L. (Off. Inspector Gen.)

Highly Confidential

PRESTAMOS-00299171
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 7 of 42
<Michelle Blank@sba.qov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16
Importance: High

CAUTION - The sender of this message is external to the SBA network. Please use care when
clicking on links and responding with sensitive information. Send suspicious email to
spam@sba.coy.

Jose / Patricia,

Pm sending below deposits with red flags that we stil have no response on, but funds available to
send. Some of these notes were sent as early as June 11',

8. Borrower [| eceived max and refused to provide

documentation stating the lender didn’t require Schedule C when she applied and they
created one for her.

She originally said her business was established in 6/2020 and when she was told she
wasn’t eligible, she got angry and stated she was about to lose her house. She became very
irate with our staff and continued to call repeatedly after while funds were on hold. She was
told her answers and unwillingness to provide support would be reported. Also cried again
stating that she was about to lose her house and she’d never do anything illegal.

Member has no evidence of business activity, no deposits to support this level of income
and she has been receiving unemployment benefits for the last year. The member did w/d
some in cash, but still has some available. We’d love to return funds if requested.

Status — there are still some funds available if you send hold harmless.

12. a cfused to provide Schedule C and demanded

access to funds.

Did state that she has 3 employees (federal pay shows 1), business established 1/15/20,
beauty services. We show no activity of business ownership.

She is receiving regular payroll from a company that other suspected fraudulent borrowers
have been receiving.

Highly Confidential PRESTAMOS-00299172
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 8 of 42
Status —- Funds are mostly depleted, but if you review the file and want to send a hold
harmless, we’d gladiy send a partial back.

13. ee 2: received both draws.

After talking to SBA, what she provided us matched what SBA shows but we can’t support
the activity she’s documented and expenses don’t seem to align with the business or gross
income reported. SBA asked to verify if there were any business expenses after the 1st
draw and we weren’t able to provide any validation for that.

We don’t feel comfortable returning without a hold harmless, but we did tell the borrower
that we were reporting that we couldn’t validate her income or any business expenses that
would have made her eligible for draw 2.

Status - there are some funds availabie if you send a hold harmless.

Indicated business is ///and he buys/sells clothes from Goodwill. Established in

Car expenses of SE wages of but doesn’t 1099 anyone. Utilities I ut runs store

from home. All income numbers are whole numbers.

Status - there are funds available if hold harmless sent. Lena from investigations stated he
did not provide support and we allowed him access to the funds. This is correct and I’ve let
her know we can’t place these funds on hold forever, especially when we get no response
from the lender Mfindicated she’s provided their review results to Prestamos. Would love

to send what we have back.

Thanks,

Kelly Gridley
AVP, Enterprise Risk Management
indiana Members Credit Union

Highly Confidential PRESTAMOS-00299173
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 9 of 42
PB 317.554.8197) 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Ton Workmlaces 2020

From: Patricia Gonzalez [mailto Patricia. Gonzalez@coic.ora] On Behalf Of Jose Martinez
Sent: Friday, July 23, 2021 11:32 AM

To: Kelly Gridley <KGridiey@IMCU com>

Cc: ‘Investigations’ <investigations@blueacorn.co>>; ‘Blank, Michelle L. (Off. Inspector Gen.)'
<Michelle Blank@sba.gov>; 'PPPFraudReferrals@sba.gov' <PPPFraudReferrais@sba.aov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Notice: This email is from an outside source. Please do not open any attachments, click on
any hyperlinks, or respond without first confirming the authenticity of the email.

Kelly,

My apologies for the continued delays. | have contact evolve for the LOI) will get them to you
today. As for ease send the funds back as well. | really do appreciate all the work you are

Sender Name:

- Receiver Name:

» Receiver Account:
* Receiver Routing:
- Amount:

- Effective Date:

- Date Settled:

- Trace [D:

Thank you

Highly Confidential PRESTAMOS-00299174
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 10 of 42
From: Kelly Gridley <KGridiey@IMCU cam>

Sent: Friday, July 23, 2021 8:09 AM

To: Patricia Gonzalez <Patricia. Gonzalez@colc.org>; Jose Martinez <jose.Martinez@colc.ora>
Cc: ‘Investigations’ <investigations@biueacorn.ca>>: ‘Blank, Michelle L. (Off. Inspector Gen.)'
<Michelle Blank@sba.gov>; 'PPPFraudReferrals@sba.gov' <PPPFraucdReferrals@sba.qoy>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

importance: High

Good morning,

Sending yet another follow up and including the SBA on the email, so they are aware of the issues we
are running into with Prestamos. We've diligently tried to assist with recovery of funds for months
now and get limited or NO response.

These LOL requests below were requested/sent with info on 7/13 and 7/16 but we've yet to receive
from Evolve. We have these funds on hold and this puts us in a very difficult position as WE are the
ones dealing with the members in person.

Additionally, investigations emailed on Monday abou i followed up after no
response to their email and still nothing.

is there any accountability? Do you not want to recover funds? [I’m still waiting on other borrowers
in which you've never responded,

This is very frustrating for those of us spending time trying to assist YOU, I'd [ike to just say screw it
due to your lack of cooperation, but | personally can’t sleep at night knowing people are running
around with FREE money that they did NOT qualify for.

Please respond so we can return these funds and close our relationship with these individuals.

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P. 317.554.8197) F. 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Top Workplaces 2020

Highly Confidential PRESTAMOS-00299175
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 11 of 42
From: Kelly Gridley
Sent: Tuesday, July 20, 2021 12:38 PM

To: ‘Patricia Gonzalez' <Patricla. Gonzalez@cplc.ora>: Jose Martinez’ <jose,Martinez@cnpic.ora>

Cc: Jeff Theiler <jeff, Theler@aectevoived com>; Azita Zahedi <avita. zahedi@getevalved.com>; Floyd

Brummett <Flovd. Brummett(@oaetevalved com>

Subject: LOI still needed - info sent over 7/13 and 7/16

Importance: High

Patricia - please let me know if you plan to request back for Flossy Lincoln before all funds are

depleted (per Investigations email yesterday).

Still waiting on LOI for the following:

Sender Name: Prestamos

- Receiver Name: a

- Receiver Routing QE

- Effective Date:5/11/2621
- Date Settled: 5/11/2021

Sencder Name: Prestamos

- Receiver Routing: FP

» Amount:
- Effective Date:6/14/2021
- Date Settled: 6/14/2021

Trace |) is

Kelly Gridley
AVP, Enterprise Risk Management

Highly Confidential

PRESTAMOS-00299176
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 12 of 42
indiana Members Credit Union
BP: 317.554.8197) F. 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Top Workplaces 2020

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Highly Confidential PRESTAMOS-00299177
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 13 of 42
Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

These will all be processed today and in the mail tornorrow (it’s 3om here so mail has already gone
out),

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197) F. 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Topo Worknlaces 2020

From: Floyd Brummett [mailto:Floyd.Brummett@getevolved.com]

Sent: Wednesday, July 28, 2021 1:01 PM

To: Jose Martinez <Jose.Martinez@cplc.org>; Kelly Gridley <KGridley@IMCU.com>; Cvengros, Mary
E. <mary.cvengros@sba.gov>; Payment Processing Operations
<paymentprocessing@getevolved.com>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle.Blank@sba.gov>; Mayer, Debra L.

Highly Confidential PRESTAMOS-00299178
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 14 of 42
<Debra.Mayer@sba.gov>: investigations@blueacorn.co; Debbie Marrelli <DMarrelli@IMCU.com>;
Jeff Theiler <Jeff.Theiler@getevolved.com>; Azita Zahedi <azita.zahedi@getevolved.com>; Develyn
King <Develyn.King@getevolved.com>

Subject: [EXTERNAL]RE: URGENT

Good afternoon,
i have attached all four from below.

Please send checks for each payable to Prestamos CDFI to

Attn: Ean Colley / VP Bank Operations
c/o Evolve Bank and Trust

6070 Poplar Avenue

Suite 200

Memphis TN 38119

Thank you,

FLOYD BRUMMETT

Process fmorovement Manager

Foye orumme|ticcgetevolved com
d 301.969.2098

From: Patricia Gonzalez <Patricia,Gonzalez@cplc,ora> On Behalf Of Jose Martinez

Sent: Wednesday, July 28, 2021 10:35 AM

To: Kelly Gridley <KGridiley@iIMCU com>: Jose Martinez <jJose.Martinez@cpic.org>; Cvengros, Mary
E. <mary.cvenogros@sba.gov>; Payment Processing Operations

<paymentprocessing@qetevalved. com>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.

<Debra Maver@sba.gov>: investigations@biueaceorn.co: Debbie Marrelli <DMarrelH@IMCU com>:
Floyd Brummett <Floyd Brummett@getevolved.com>: Jeff Theiler <jeff. Theller@getevolved.com>:
Azita Zahedi <avita.zahedi@uetevolved com>

Subject: RE: URGENT

importance: High

Good Morning,

Highly Confidential PRESTAMOS-00299179
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 15 of 42
Please provide an LOI for all cients below.

Thank you.

From: Kelly Cridley <KGridieyv@IMCU cam>

Sent: Wednesday, July 28, 2021 5:01 AM

To: Jose Martinez <jose.Martinez@cpic.org>; Cvengros, Mary E. <mary.cvengros@sba.gov>>; Patricia
Gonzalez <Patricia,Gonzalez@cpic.org>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.

<Debra, Mayer@sba.qov>: investigations@biueacorn.co: Debbie Marrelli <DMarreli@iMCU com>
Subject: RE: URGENT

Patricia /iose,

See below for LOLinfo. [want to also be certain you conducted your own investigation or took the
notes fram Blueacorn, as the only one i've heard back from them on TT TE: cicatec she
sent over notes to you this week, but she didn’t provide me with those details.

The other 3 checks were cut and mailed yesterday.
Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197| F: 317.554.8197
Facebook | Twitter | IMCU COM
indy Star Too Workplaces 2020

From: Patricia Gonzalez [mailic:Patricia, Gonzalez@cpic.ora] On Behalf Of Jose Martinez
Sent: Tuesday, July 27, 2021 1:00 PM

To: Cvengros, Mary E. <mary.cvengros@sba.qov>; Kelly Gridley <KGricley@IMCU com>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.

<Debra. Mayer@sba.qov>: investigations@blueacorn.co

Subject: [EXTERNAL]RE: URGENT

Highly Confidential PRESTAMOS-00299180
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 16 of 42
Kelly,
My apologies for the delay.
please provide requested information to issue LOD

Sender Name: Prestamos
» Receiver Name

- Receiver Routing:
- Amount: iii

- Effective Date: 5/13/21
» Date Settled: 5/13/21

Sender Name: Prestamos
- Receiver Name: ii

- Receiver Account! TT
- Receiver Routing

: Amount:

- Effective Date: 5/18/21

- Date Settled: 5/18/21

Sender Name: Prestamos

. Receiver a
- Receiver Account:

- Receiver Routing
- Arnount:

- Effective Date: 6/15/21
- Date Settled: 6/15/21

Trace 10 as

Sencer Name: Prestamos

- Receiver une iii”
- Receiver Account
- Receiver Routing: RTA

. Arrcurit SR
- Effective Date: 6/11/21
» Date Settled: 6/11/21

Highly Confidential

PRESTAMOS-00299181
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 17 of 42
Thank you

From: Cvengros, Mary E. <mary.cvengros@sba.aqov>

Sent: Monday, July 26, 2021 7:40 PM

To: Jose Martinez <iose.Martinez@cpic.ora>: Patricia Gonzalez <Patricia. Gonzalerz@cnic.ora>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.
<Debra. Maver@sha qov>; investigations@hluecacorn.ce

Subject: URGENT

Jose and Patricia,

Please provide me with a reason why Prestamos has not responded to the credit union. It appears
borrowers may have withdrawn funds and SBA may have suffered a loss as a result of your delay in
investigating the potential fraud on these loans.

SBA expects you to take action immediately to recover on these loans.

Mary Beth Cvengros
Special Investigative Counsel
US Small Business Administration

From: Kelly Gridley <KGridiley@IMCU com>

Sent: Monday, July 26, 2021 10:15 AM

To: ‘Jose Martinez’ <jose,Martinez@cpic.org>: patricia. gonzalez@cpic.or

Cc: ‘Investigations’ <investigations@biueacorn.co>; Blank, Michelle L. (Off. Inspector Gen.)
<Michelle Blank@sba.qoy>

Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Importance: High

CAUTION - The sender of this message is external to the SBA network. Please use care when
clicking on links and responding with sensitive information. Send suspicious email to
spam@sba.dov.

Jose /Patricia,

Highly Confidential PRESTAMOS-00299182
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 18 of 42
i'm sending below deposits with red flags that we still have noe response on, but funds available to
send. Some of these notes were sent as early as June 11%,

documentation stating the lender didn’t require Schedule C when she applied and they
created one for her.

She originally said her business was established in 6/2020 and when she was told she
wasn't eligible, she got angry and stated she was about to lose her house. She became very
irate with our staff and continued to call repeatedly after while funds were on hold. She was
told her answers and unwillingness to provide support would be reported. Also cried again
stating that she was about to lose her house and she’d never do anything illegal.

Member has no evidence of business activity, no deposits to support this level of income
and she has been receiving unemployment benefits for the last year. The member did w/d
some in cash, but still has some available. We’d love to return funds if requested.

Status - there are still some funds available if you send hold harmless.

12. [en @fisecd to provide Schedule C and demanded

access to funds.

Did state that she has 3 employees (federal pay shows 1), business established 1/15/20,
beauty services. We show no activity of business ownership.

She is receiving regular payroll from a company that other suspected fraudulent borrowers
have been receiving.

Status — Funds are mostly depleted, but if you review the file and want to send a hold

harmless, we’d gladly send a partial back.

13. ee: received both draws.

After talking to SBA, what she provided us matched what SBA shows but we can’t support
the activity she’s documented and expenses don’t seem to align with the business or gross
income reported. SBA asked to verify if there were any business expenses after the 1st
draw and we weren’t able to provide any validation for that.

Highly Confidential PRESTAMOS-00299183
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 19 of 42
We don’t feel comfortable returning without a hold harmless, but we did tell the borrower
that we were reporting that we couldn’t validate her income or any business expenses that
would have made her eligible for draw 2.

Status - there are some funds available if you send a hold harmless.

indicated business ee: he buys/sells clothes from Goodwill. Established in

Car expenses of TE ace: 7 fe doesn’t 1099 anyone. Utilities mR ut runs store

from home. All income numbers are whole numbers.

Status - there are funds available if hold harmless sent. Lena from investigations stated he
did not provide support and we allowed him access to the funds. This is correct and I’ve let
her know we can’t place these funds on hold forever, especially when we get no response
from the lender. Lena indicated she’s provided their review results to Prestamos. Would love
to send what we have back.

Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197) F. 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Too Workplaces 2020

From: Patricia Gonzalez [mailto: Patricia Gonzalez@colc.org] On Behalf Of Jose Martinez
Sent: Friday, July 23, 2021 11:32 AM
To: Kelly Gridley <KGridley@iMCU com>

Highly Confidential PRESTAMOS-00299184
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 20 of 42
Cc: ‘Investigations’ <investigations@blueacarn.co>: 'Blank, Michelle L. (Off. Inspector Gen.)’
<Michelle Blank@sba.gov>; 'PPPFraudReferrals@sba.gov' <PPFFraudReferrais@sha.qov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Notice: This email is from an outside source. Please do not open any attachments, click on
any hyperlinks, or respond without first confirming the authenticity of the email.

Kelly,

My apologies for the continued delays. | have contact evolve for the LOL] will get them to you
today. AS for RP lease send the funds back as well, | really do appreciate all the work you are

Sender Name:

» Receiver Name:

« Receiver Account:
- Receiver Routing:
- Amount:

- Effective Date:

- Date Settled:

: Trace ID:

Thank you

From: Kelly Gridley <KGridley@IMCU com>
Sent: Friday, July 23, 2021 8:09 AM
To: Patricia Gonzalez <Patricia. Gonzalez@cpic.org>; Jose Martinez <jose, Maninez@cpic.orag>

Cc: ‘Investigations’ <investigations@blueacorn.co>; ‘Blank, Michelle L. (Off. Inspector Gen.)’
<Michelle Blank@sba.qov>; ‘PPPFraudReferrals@sba.gov’ <PPPFraudkeferrais@sba,aov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Importance: High

Good morning,
Sending yet another follow up and including the SBA on the email, so they are aware of the issues we

are running into with Prestamos. We've diligently tried to assist with recovery of funds for months
now and get limited or NO response.

Highly Confidential PRESTAMOS-00299185
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 21 of 42
These LOI requests below were requested/sent with info on 7/13 and 7/16 but we've yet to receive
from Evolve, We have these funds on hold and this puts us in a very difficult position as WE are the
ones dealing with the members in person.

Additionally, investigations emailed on Monday abou fi i followed up after no
response to their email and stil nothing.

is there any accountability? Do you not want to recover funds? I’m still waiting on other borrowers
in which you've never responded.

This is very frustrating for those of us spending time trying to assist YOU. (d like to Just say screw it
due to your lack of cooperation, bul | personally can't sleep at night knowing people are running
around with FREE money that they did NOT qualify for.

Please respond so we can return these funds and close our relationship with these individuals.

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197] F: 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Too Worknmlaces 2020

From: Kelly Gridley

Sent: Tuesday, July 20, 2021 12:38 PM

To: ‘Patricia Gonzalez’ <Patricia Gonzalez@coic.crag>: Jose Martinez’ <jose.Martinez@cpic.org>

Cc: Jeff Theiler <jeff. Theller@uetevolved com>; Azita Zahedi <azita. zanedi@getevalved.com>: Floyd
Brummeitt <Floyc. Brummeti@oetevoalvecd. com>

Subject: LO! still needed - info sent over 7/13 and 7/16

importance: High

Patricia - please let me know if you plan to request back 00 before all funds are
depleted (per Investigations email yesterday).

Highly Confidential PRESTAMOS-00299186
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 22 of 42
Still waiting on LOI for the following:

Sender Name: Prestamos

- Receiver Name:
- Receiver Account:
- Receiver Routing:
- Amount:
- Effective Date:5/11/2021
- Date Settled: 5/11/2021

Sender Name: Prestamos

> Amount:

. Effective Date:6/14/2021
- Date Settled: 6/14/2021

Trace D iii

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union
P.317,554.8197| F: 317.554.8197
Facebook | Twitter | MCU COM
indy Star Too Worknmlaces 2020

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason

to believe that you have received this message in error, please notify the sender and delete

Highly Confidential PRESTAMOS-00299187
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 23 of 42
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

Highly Confidential PRESTAMOS-00299188
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 24 of 42
Good afternoon,
i have attached all four from below.

Please send checks for each payable to Prestamos CDFI to

Attn: Ean Colley / VP Bank Operations
c/o Evolve Bank and Trust

6070 Poplar Avenue

Suite 200

Memphis TN 38119

Thank you,

FLOYD BRUMMETT

Process improvement Manager

floyd brummeti@qetevolved.cam
O 866.567.2611
d $07 869 2095

From: Patricia Gonzalez <Patricia.Gonzalez@cplc.org> On Behalf Of Jose Martinez

Sent: Wednesday, July 28, 2021 10:35 AM

To: Kelly Gridley <KCridley@IMCU.com>:; Jose Martinez <Jose.Martinez@cplc.org>; Cvengros, Mary
E. <mary.cvengros@sba.gov>; Payment Processing Operations
<paymentprocessing@getevolved.com>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle.Blank@sba.gov>; Mayer, Debra L.
<Debra.Mayer@sba.gov>; investigations@blueacorn.co; Debbie Marrelli <DMarrelli@IMCU.com>;
Floyd Brummett <Floyd.Brummett@getevolved.com>; Jeff Theiler <Jeff. Theiler@getevolved.com>;
Azita Zahedi <azita.zahedi@getevolved.com>

Subject: RE: URGENT

importance: High

Good Morning,

Please provide an LOI for all clients below.

Highly Confidential PRESTAMOS-00299189
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 25 of 42
Thank you.

From: Kelly Gridley <KGridiey@IMCU com>

Sent: Wednesday, July 28, 2021 5:01 AM

To: Jose Martinez <jose,Martines@cpic.org>; Cvengros, Mary E. <mary.cvengroas@sba.aov>; Patricia
Gonzalez <Patricia. Gonzalez@cpic.org>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Micheile. Blank@sba.cov>; Mayer, Debra L.

<Debra Mayer@sha.gov>: investigations@biueacorn.co: Debbie Marrelli <DMarreli@iMCU com>
Subject: RE: URGENT

Patricia iase,

See below for LOlinfo. | want to also be certain you conducted your own investigation or took the
notes from Blueacorn, as the only one l’ve heard back from them on rt HB «dicated she
sent over notes to you this week, but she didn’t provide me with those details.

The other 3 checks were cul and mailed yesterday.
Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P. 317.554.8197) F: 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Ton Worknlaces 2020

From: Patricia Gonzalez [mailtc: Patricia Gonzalez@coic.org] On Behalf Of Jose Martinez
Sent: Tuesday, July 27, 2021 1:00 PM

To: Cvengros, Mary E. <mary.cvengros@sba.gov>; Kelly Gridley <KGridiey@IMCU com>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.qov>; Mayer, Debra L.

<Debra.Mayer@sba.uov>; investigations@blueacorn.ce

Subject: [EXTERNAL]RE: URGENT

Kelly,

Highly Confidential PRESTAMOS-00299190
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 26 of 42
My apologies for the delay.
please provide requested information to issue LOL

Sender Name: Prestamos

* Receiver Name: ii

- Receiver Account:
- Receiver Routing:
Amount ii

- Effective Date: 5/13/21
- Date Settled: 5/13/21

Trace |) is

Sender Name: Prestamos

- Receiver Routing:
- Amount:

- Effective Date: 5/18/21
- Date Settled 5/18/21

Sender Name: Prestamos

- Receiver Name

- Receiver Account: [RR
- Receiver Routing:

; Amount: [i

- Effective Date: 6/15/21
- Date Settled: 6/15/21

Sender Name: Prestamos

- Receiver Nance TTT
- Receiver Account:
- Recefver Routing:
> Amount:

- Effective Date: 6/11/21
- Date Settled: 6/11/21

Highly Confidential PRESTAMOS-00299191
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 27 of 42
Thank you

From: Cvengros, Mary E. <mary.cvenuros@sha.goy>

Sent: Monday, July 26, 2021 7:40 PM

To: Jose Martinez <jose.Martinez@cpic.org>: Patricia Gonzalez <Patricia.Gonzaler@cpic.ora>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.qov>; Mayer, Debra L.
<Debra Maver@sba.gov>: investiqations@blueacorrn.ce

Subject: URGENT

Jose and Patricia,

Please provide me with a reason why Prestamos has not responded to the credit union. It appears
borrowers may have withdrawn funds and SBA may have suffered a loss as a result of your delay in
investigating the potential fraud on these loans.

SBA expects you to take action immediately to recover on these loans.

Mary Beth Cvengros
Special Investigative Counsel
US Small Business Administration

From: Kelly Gridley <KGridiey@IMCU com>
Sent: Monday, July 26, 2021 10:15 AM
To: ‘Jose Martinez’ <iose.Martinez@cpic.ora>; patricla.gonzalez@cpic.or

Cc: ‘Investigations’ <investigations@biueacorn.ca>; Blank, Michelle L. (Off. Inspector Gen.)
<Michelle Blank@sha aov>

Subject: RE: LOI still needed - info sent over 7/13 and 7/16

importance: High

CAUTION - The sender of this message is external to the SBA network. Please use care when
clicking on links and responding with sensitive information. Send suspicious email to
spam@s ba.goy.

Jose /Patricia,

lm sending below deposits with red flags that we stil have no response on, but funds available to
send. Some of these notes were sent as early as June 11%,

Highly Confidential PRESTAMOS-00299192
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 28 of 42
documentation stating the lender didn’t require Schedule C when she applied and they

received max and refused to provide
created one for her.

She originally said her business was established in 6/2020 and when she was told she
wasn’t eligible, she got angry and stated she was about to lose her house. She became very
irate with our staff and continued to call repeatedly after while funds were on hold. She was
told her answers and unwillingness to provide support would be reported. Also cried again
stating that she was about to lose her house and she’d never do anything illegal.

Member has no evidence of business activity, no deposits to support this level of income
and she has been receiving unemployment benefits for the last year. The member did w/d
some in cash, but still has some available. We’d love to return funds if requested.

Status — there are still some funds available if you send hold harmless.

12. ae is to provide Schedule C and demanded

access to funds.

Did state that she has 3 employees (federal pay shows 1), business established 1/15/20,
beauty services. We show no activity of business ownership.

She is receiving regular payroll from a company that other suspected fraudulent borrowers
have been receiving.

Status —- Funds are mostly depleted, but if you review the file and want to send a hold
harmless, we’d gladly send a partial back.

13. ee: received both draws.

After talking to SBA, what she provided us matched what SBA shows but we can’t support
the activity she’s documented and expenses don’t seem to align with the business or gross
income reported. SBA asked to verify if there were any business expenses after the 1st
draw and we weren’t able to provide any validation for that.

We don’t feel comfortable returning without a hold harmless, but we did tell the borrower

that we were reporting that we couldn’t validate her income or any business expenses that
would have made her eligible for draw 2.

Highly Confidential PRESTAMOS-00299193
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 29 of 42
Status — there are some funds available if you send a hold harmless.

a
Indicated business ‘ie: he buys/sells clothes from Goodwill. Established in

Car expenses of vases of EL. doesn’t 1099 anyone. uiiitie i runs store

from home. All income numbers are whole numbers.

Status - there are funds available if hold harmless sent. Lena from investigations stated he
did not provide support and we allowed him access to the funds. This is correct and I’ve let
her know we can’t place these funds on hold forever, especially when we get no response
from the lender. Lena indicated she’s provided their review results to Prestamos. Would love
to send what we have back.

Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union
P:317.554.8197| F: 317.554.8197
Facebook | Twitter | MCU COM
incy Star Top Workplaces 2020

From: Patricia Gonzalez [mailio: Patricia Ganzalez@cpic.cra] On Behalf Of Jose Martinez
Sent: Friday, July 23, 2021 11:32 AM

To: Kelly Gridley <KGridley2IMCU com>

Cc: ‘Investigations’ <investigations@blueacorn.co>; ‘Blank, Michelle L. (Off. Inspector Gen.)'
<Michelle Blank@sba.qov>; ‘PPPFraudReferrals@sba.gov’ <PPPFraucdkeferrals@sba,aov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Highly Confidential PRESTAMOS-00299194
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 30 of 42
Notice: This emaillis from an outside source. Please do not open any attachments, click on
any hyperlinks, or respond without first confirming the authenticity of the email.

Kelly,

My apologies for the continued delays. | have contact evolve for the LOL] will get them to you
today. As for please send the funds back as well. [really do appreciate all the work you are

Sender Name:

* Receiver Name:

« Receiver Account:
- Receiver Routing:
» Amount

- Effective Date:

- Date Settled:

- Trace ID:

Thank you

From: Kelly Gridley <KGridiey@IMCU com>

Sent: Friday, July 23, 2021 8:09 AM

To: Patricia Gonzalez <Patricla Gonzalez@colc.ora>: Jose Martinez <jose, Martinez@cpic.org>
Cc: ‘Investigations’ <investigations@blueacorn.co>; ‘Blank, Michelle L. (Off. Inspector Gen.)'
<Michelle Blank@sba.gov>; 'PPPFraudReferrals@sba.gov' <PPPFraucdReferrals@sba.qov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Importance: High

Good morning,
Sending yet another follow up and including the SBA on the email, so they are aware of the issues we

are running into with Prestamos. We've diligently tried to assist with recovery of funds for months
now and get limited or NO response.

Highly Confidential PRESTAMOS-00299195
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 31 of 42
These LOL requests below were requested/sent with info on 7/13 and 7/16 but we've yel to receive
from Evolve. We have these funds on hold and this puts us in a very difficult position as WE are the
ones dealing with the members in person.

Additionally, investigations emailed on Monday about Flossy Lincoln. | followed up after no
response to their email and still nothing.

is there any accountability? Do you not want to recover funds? (rm still waiting on other borrowers
in which you’ve never responded.

This is very frustrating for those of us spending time trying to assist YOU. Ud like to just say screw it
due to your Jack of cooperation, but | personally can’t sleep at night knowing people are running
around with FREE money that they did NOT qualify for.

Please respond so we can return these funds and clase our relationship with these individuals.

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P. 317.554.8197) F: 317.554.8197
Facebook | Twitter | IMCU COM
indy Star Top Workplaces 2020

From: Kelly Gridley

Sent: Tuesday, July 20, 2021 12:38 PM

To: ‘Patricia Gonzalez’ <Patricia. Gonzalez@cpic.org>;: ‘Jose Martinez’ <jose.Martinerz@cplc ora>

Cc: Jeff Theiler <jeff Theler@aetevolved.com>; Azita Zahedi <azita. zahedi@ueteyelved.com>: Floyd
Brummett <Fioyd Brummeti@getevolved com>

Subject: LOI still needed - info sent over 7/13 and 7/16

importance: High

Patricia - please let me know if you plan to request back a before all funds are

depleted (per Investigations email yesterday).

Still waiting on LOI for the following:

Highly Confidential PRESTAMOS-00299196
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 32 of 42
Sender Name: Prestamos

- Receiver Name:
- Receiver Account
- Receiver Routing:
- Amount!
- Effective Date:5/11/2021
- Date Settled: 5/11/2621

Sender Name: Prestamos
- Receiver Name:
» Receiver Account:
- Receiver Routing:
- Amount:
- Effective Date:6/14/2021
- Date Settled: 6/14/2021

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P. 317.554.8197) F: 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Too Workolaces 2020

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Highly Confidential PRESTAMOS-00299197
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 33 of 42
Please consider the environment before printing this email.

mons This*e=mailand any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

Attachment(s)

Jose Martinez

#priority high
Good Morning,

Please provide an LO! for all clients below.

Highly Confidential PRESTAMOS-00299198
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 34 of 42
Thank you.

From: Kelly Gridley <KGridley@IMCU.com>

Sent: Wednesday, July 28, 2021 5:01 AM

To: Jose Martinez <Jose.Martinez@cplc.org>; Cvengros, Mary E. <mary.cvengros@sba.gov>; Patricia
Gonzalez <Patricia.Gonzalez@cplc.org>

Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle.Blank@sba.gov>; Mayer, Debra L.
<Debra.Mayer@sba.gov>; investigations@blueacorn.co; Debbie Marrelli <DMarrelli@IMCU.com>
Subject: RE: URGENT

Patricia jase,

See below for LOinfo. | want to also be certain you conducted your own investigation or took the
notes from Blueacorn, as the only one i've heard back from them on ‘iim Lena indicated she
sent over notes to you this week, but she didn’t provide me with those details.

The other 3 checks were cut and mailed yesterday.
Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197) F: 317.554.8197
Facebook | Twitter | IMCU.COM
incy Star Too Workolaces 2020

From: Patricia Gonzalez [mailto:Patricia Gonzalez@cnic.ora] On Behalf Of Jose Martinez
Sent: Tuesday, July 27, 2021 1:00 PM

To: Cvengros, Mary E. <mary.cvengros@sba gov>; Kelly Cridley <KGridiley@IMCU com>
Cc: Blank, Michelle L. (Off. inspector Gen.) <Michelic. Blank@sha.gov>; Mayer, Debra L.

<Debra Maver@sba.gov>: investigations@blueacorrn.ce

Subject: [EXTERNAL]RE: URGENT

Kelly,

Highly Confidential PRESTAMOS-00299199
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 35 of 42
My apologies for the delay.
please provide requested information to issue LOL

Sender Name: Prestamos

- Receiver Nene i
- Receiver Account i
» Receiver Routing:

: ao
- Effective Date: 5/13/21

- Date Settled: 5/13/21

Sender Name: Prestamos

» Receiver Name:
- Receiver Account
- Receiver Routing: Po

- Amount:

- Effective Date: 5/18/21

- Date Settled: 5/18/21

Trace (0 as

Sender Name: Prestamos

- Receiver a a
> AMOUNT:

. Effective Date: 6/15/21

- Date Settled: 6/15/21

Tree): i

Sender Name: Prestamos

Receiver Name i as
- Receiver Account iia

. RecN el
* Amount:

- Effective Date: 6/11/21

- Date Settled: 6/11/21

Highly Confidential PRESTAMOS-00299200
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 36 of 42
Thank you

From: Cvengros, Mary E. <mary.cvengros@sba,goy>

Sent: Monday, July 26, 2021 7:40 PM

To: Jose Martinez <iose,Martinez@coic.ara>: Patricia Gonzalez <Patricia. Gonzalez@cpic.org>
Cc: Blank, Michelle L. (Off. Inspector Gen.) <Michelle Blank@sba.gov>; Mayer, Debra L.
<Debra, Mayer@sba.qov>: investigations@biveacearn.ca

Subject: URGENT

Jose and Patricia,

Please provide me with a reason why Prestamos has not responded to the credit union. It appears
borrowers may have withdrawn funds and SBA may have suffered a loss as a result of your delay in
investigating the potential fraud on these loans.

SBA expects you to take action immediately to recover on these loans.

Mary Beth Cvengros
Special Investigative Counsel
US Small Business Administration

From: Kelly Gridley <KGrigley@IMCU com>

Sent: Monday, July 26, 2021 10:15 AM

To: ‘Jose Martinez’ <iose.Martinez@cpic.ora>: patricia. gonzalez@coic.or

Cc: ‘Investigations’ <investigations@blueacorn.co>; Blank, Michelle L. (Off. Inspector Gen.)
<Michelle Blankw@sba,qov>

Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Importance: High

CAUTION - The sender of this message is external to the SBA network. Please use care when
clicking on links and responding with sensitive information. Send suspicious email to
spam@isba. gov.

Jose /Patricia,

Highly Confidential PRESTAMOS-00299201
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 37 of 42
i'm sending below deposits with red flags that we still have no response on, but funds available to
send. Some of these notes were sent as early as June 11%,

documentation stating the lender didn’t require Schedule C when she applied and they
created one for her.

She originally said her business was established in 6/2020 and when she was told she
wasn't eligible, she got angry and stated she was about to lose her house. She became very
irate with our staff and continued to call repeatedly after while funds were on hold. She was
told her answers and unwillingness to provide support would be reported. Also cried again
stating that she was about to lose her house and she’d never do anything illegal.

Member has no evidence of business activity, no deposits to support this level of income
and she has been receiving unemployment benefits for the last year. The member did w/d
some in cash, but still has some available. We’d love to return funds if requested.

Status - there are still some funds available if you send hold harmless.

12. ee -s< to provide Schedule C and demanded

access to funds.

Did state that she has 3 employees (federal pay shows 1), business established 1/15/20,
beauty services. We show no activity of business ownership.

She is receiving regular payroll from a company that other suspected fraudulent borrowers
have been receiving.

Status — Funds are mostly depleted, but if you review the file and want to send a hold

harmless, we’d gladly send a partial back.

13. as received both draws.

After talking to SBA, what she provided us matched what SBA shows but we can’t support
the activity she’s documented and expenses don’t seem to align with the business or gross
income reported. SBA asked to verify if there were any business expenses after the Ist
draw and we weren’t able to provide any validation for that.

Highly Confidential PRESTAMOS-00299202
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 38 of 42
We don’t feel comfortable returning without a hold harmless, but we did tell the borrower
that we were reporting that we couldn’t validate her income or any business expenses that
would have made her eligible for draw 2.

Status - there are some funds available if you send a hold harmless.

indicated business ‘ ie: he buys/sells clothes from Goodwill. Established in

Car expenses offMMvages of bu doesn’t 1099 anyone. Utilities ae. runs store

from home. All income numbers are whole numbers.

Status - there are funds available if hold harmless sent. Lena from investigations stated he
did not provide support and we allowed him access to the funds. This is correct and I’ve let
her know we can’t place these funds on hold forever, especially when we get no response
from the lender. Lena indicated she’s provided their review results to Prestamos. Would love
to send what we have back.

Thanks,

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197) F. 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Too Workplaces 2020

From: Patricia Gonzalez [mailto: Patricia Gonzalez@colc.org] On Behalf Of Jose Martinez
Sent: Friday, July 23, 2021 11:32 AM
To: Kelly Gridley <KGridley@iMCU com>

Highly Confidential PRESTAMOS-00299203
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 39 of 42
Cc: ‘Investigations’ <investigations@blueacarn.co>: 'Blank, Michelle L. (Off. Inspector Gen.)’
<Michelle Blank@sba.gov>; 'PPPFraudReferrals@sba.gov' <PPFFraudReferrais@sha.qov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Notice: This email is from an outside source. Please do not open any attachments, click on
any hyperlinks, or respond without first confirming the authenticity of the email.

Kelly,

My apologies for the continued delays. | have contact evolve for the LOL] will get them to you
today. AS fof please send the funds back as well, | really do appreciate all the work you are

Sender Name:

» Receiver Name:

« Receiver Account:
- Receiver Routing:
- Amount:

- Effective Date:

- Date Settled:

: Trace ID:

Thank you

From: Kelly Gridley <KGridley@IMCU com>
Sent: Friday, July 23, 2021 8:09 AM
To: Patricia Gonzalez <Patricia. Gonzalez@cpic.org>; Jose Martinez <jose, Maninez@cpic.orag>

Cc: ‘Investigations’ <investigations@blueacorn.co>; ‘Blank, Michelle L. (Off. Inspector Gen.)’
<Michelle Blank@sba.qov>; ‘PPPFraudReferrals@sba.gov’ <PPPFraudkeferrais@sba,aov>
Subject: RE: LOI still needed - info sent over 7/13 and 7/16

Importance: High

Good morning,
Sending yet another follow up and including the SBA on the email, so they are aware of the issues we

are running into with Prestamos. We've diligently tried to assist with recovery of funds for months
now and get limited or NO response.

Highly Confidential PRESTAMOS-00299204
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 40 of 42
These LOI requests below were requested/sent with info on 7/13 and 7/16 but we've yet to receive
from Evolve, We have these funds on hold and this puts us in a very difficult position as WE are the
ones dealing with the members in person.

Additionally, investigations emailed on Monday about Flassy Lincoln. | followed up after no
response to their email and stil nothing.

is there any accountability? Do you not want to recover funds? I’m still waiting on other borrowers
in which you've never responded.

This is very frustrating for those of us spending time trying to assist YOU. (d like to Just say screw it
due to your lack of cooperation, bul | personally can't sleep at night knowing people are running
around with FREE money that they did NOT qualify for.

Please respond so we can return these funds and close our relationship with these individuals.

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union

P: 317.554.8197] F: 317.554.8197
Facebook | Twitter | IMCU.COM
indy Star Too Worknmlaces 2020

From: Kelly Gridley

Sent: Tuesday, July 20, 2021 12:38 PM

To: ‘Patricia Gonzalez’ <Patricia Gonzalez@coic.crag>: Jose Martinez’ <jose.Martinez@cpic.org>

Cc: Jeff Theiler <jeff. Theller@uetevolved. com>; Azita Zahedi <azita. zanedi@gctevalved.com>; Floyd
Brummeitt <Floyc. Brummeti@oetevoalvecd. com>

Subject: LO! still needed - info sent over 7/13 and 7/16

importance: High

Patricia - please let me know if you plan to request back fof cfore all funds are

depleted (per Investigations email yesterday).

Highly Confidential PRESTAMOS-00299205
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 41 of 42
Still waiting on LOI for the following:

Sender Name: Prestamos

- Receiver Account]

- Receiver Routing
- Amount:
- Effective Date:5/11/2021
- Date Settled: 5/11/2021

Sender Name: Prestamos

» Receiver Name: Po
- Receiver Accoun|
- Receiver Routing

; a __—

- Effective Date:6/14/2021

- Date Settled: 6/14/2021

Kelly Gridley

AVP, Enterprise Risk Management
indiana Members Credit Union
P.317,554.8197| F: 317.554.8197
Facebook | Twitter | MCU COM
indy Star Too Worknmlaces 2020

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason

to believe that you have received this message in error, please notify the sender and delete

Highly Confidential

PRESTAMOS-00299206
Case 5:21-cv-04337-JMG     Document 142-10     Filed 10/04/24     Page 42 of 42
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forwarding, printing, or copying of this email is strictly prohibited.

Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
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Please consider the environment before printing this email.

This e-mail and any files transmitted with it are property of Indiana Members Credit Union,
are confidential, and are intended solely for the use of the individual or entity to whom this
e-mail is addressed. If you are not one of the named recipient(s) or otherwise have reason
to believe that you have received this message in error, please notify the sender and delete
this message immediately from your computer. Any other use, retention, dissemination,
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