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In this case, though, it's quite simple. When you publish a book in the KDP portal (which I'm guessing most of these indie authors did) there's a clearly labeled checkbox: "Enable lending for this book". You don't need to read the EULA. Amazon actually gives you a better deal if you enable lending (70% royalty compared to 30% on outright sales, and if you make the book an Amazon exclusive, you even get paid something when a reader lends the book).

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