Jefferson Capital Systems LLC v. Alexandria Thomas

IN THE DISTRICT COURT OF CANADIAN COUNTY STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC, Plaintiff, vs. ALEXANDRIA THOMAS Defendant(s). Case No. CJ-2026-209 PAUL HESSE PETITION COMES NOW the Plaintiff, by and through counsel, Nelson and Kennard, LLP, and herewith alleges the following and seeks redress as hereafter delineated. 1. Plaintiff is a national debt collection agency, which transacts business within the State of Oklahoma. 2. Venue is proper in this County, as the Defendant(s) reside(s) in this County at the commencement of this action, or the contract which is the subject matter of this action was made, executed, and delivered in this County. 3. The last four (4) digits of the Defendant’s account number, used by the original creditor as of the date of default are XXXXXXXXXXXXXXXXXX1000. 4. Plaintiff’s claim arises from the Defendant(s) obligation to repay, in full, a lawfully executed Promissory Note. The account charged off for non-payment on 6/30/23, the balance due at time of default is as follows $21,198.00. A true and accurate copy of the Promissory Note is attached hereto as Exhibit 1. A true and accurate copy of the ledger or statement of account demonstrating the balance due on the Promissory Note is attached hereto as Exhibit 2. A true and accurate copy of the Assignment of Account to Plaintiff evidencing its ownership of the Promissory Note is attached hereto as Exhibit 3. 5. The Defendant(s) breached the Contract by failing to make the required periodic payments. 6. As a direct and proximate result of the Defendant(s) default, the total amount of debt claimed is $11,047.02. 7. The date of the last payment made by the Defendant(s) is May 4, 2023. 8. Plaintiff seeks court costs, and for such further relief as the Court may deem proper in the premises. WHEREFORE, Plaintiff, JEFFERSON CAPITAL SYSTEMS LLC prays for judgment against the Defendant(s), ALEXANDRIA THOMAS in the amount of $11,047.02, plus all costs herein expended, including but not limited to, court costs, sheriff's fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this January 16, 2026 Nelson & Kennard, LLP By: Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) Alexandria Thomas 2305 E 7th Apt 3102 Elk City, OK 73644 BECKHAM Co-Buyer Name and Address (Including County and Zip Code) N/A Seller-Creditor (Name and Address) EAN HOLDINGS, LLC 433 E. MEMORIAL RD. OKLAHOMA CITY, OK 73114 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes “we” or “us” in this contract) the Amount Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>New/Used</th> <th>Year</th> <th>Make and Model</th> <th>Odometer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>Used</td> <td>2019</td> <td>Nissan Kicks</td> <td>67471</td> <td>3N1CP5CUXKL551226</td> <td>Personal, family, or household unless otherwise indicated below<br>[ ] business<br>[ ] agricultural<br>[ ] ________ N/A</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th> <th>Total of Payments<br>The amount you will have paid after you have made all payments as scheduled.</th> <th>Total Sale Price<br>The total cost of your purchase on credit, including your down payment of $500.00 is $38,248.88</th> </tr> <tr> <td>21.00 %</td> <td>$16,550.88</td> <td>$21,198.00</td> <td>$37,748.88</td> <td>$38,248.88</td> </tr> </table> Your Payment Schedule Will Be: (e) means an estimate <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>72</td> <td>$524.29</td> <td>Monthly beginning 07/07/2022</td> </tr> <tr> <td>N/A</td> <td>$N/A</td> <td>N/A</td> </tr> <tr> <td>N/A</td> <td></td> <td></td> </tr> </table> Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $27.00 or 5% of the part of the payment that is late, whichever is greater. Prepayment. If you pay early, you will not have to pay a penalty. Security Interest. You are giving a security interest in the vehicle being purchased. Additional Information: See this contract for more information including information about nonpayment, default, any required repayment in full before the scheduled date and security interest. Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract of sale. Spanish Translation: Guía para compradores de vehículos usados. La información que ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta. NO COOLING OFF PERIOD State law does not provide for a “cooling off” or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. ☐ VENDOR’S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI insurance is for the Creditor’s sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to purchase VSI insurance through the Creditor, the cost of this insurance is $________ N/A and is also shown in Item 4B of the Itemization of Amount Financed. The coverage is for the initial term of the contract. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on page 5 of this contract, you or we may elect to resolve any dispute by neutral, binding arbitration and not by a court action. See the Arbitration Provision for additional information concerning the agreement to arbitrate. Buyer Signs X ☐ Alexandria Thomas Co-Buyer Signs X ☐ N/A 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose as the law allows. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. d. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in: • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you; and • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. d. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. You agree to name us on your insurance policy as an additional insured and as loss payee. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below. b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during credit application; • You start a proceeding in bankruptcy or one is started against you or your property; or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device (such as GPS), you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you. If you do not ask for these items back, we may dispose of them as the law allows. e. How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redeem). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. WARRANTIES SELLER DISCLAIMS Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller makes no warranties, express or implied, on the vehicle, and there will be no implied warranties of merchantability or of fitness for a particular purpose. This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide. 5. SERVICING COLLECTION CONTACTS You agree that we may try to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. 6. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. Electronic Contracting and Signature Acknowledgment. You agree that (i) this contract is an electronic contract executed by you using your electronic signature, (ii) your electronic signature signifies your intent to enter into this contract and that this contract be legally valid and enforceable in accordance with its terms to the same extent as if you had executed this contract using your written signature and (iii) the authoritative copy of this contract ("Authoritative Copy") shall be that electronic copy that resides in a document management system designated by us for the storage of authoritative copies of electronic records, which shall be deemed held by us in the ordinary course of business. Notwithstanding the foregoing, if the Authoritative Copy is converted by printing a paper copy which is marked by us as the original (the "Paper Contract"), then you acknowledge and agree that (1) your signing of this contract with your electronic signature also constitutes issuance and delivery of such Paper Contract, (2) your electronic signature associated with this contract, when affixed to the Paper Contract, constitutes your legally valid and binding signature on the Paper Contract and (3) subsequent to such conversion, your obligations will be evidenced by the Paper Contract alone. ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $ N/A sales/excise tax) $ 19,999.00 (1) 2 Total Downpayment = Trade-in N/A N/A N/A (Year) (Make) (Model) Gross Trade-In Allowance $ ________ N/A Less Pay Off Made By Seller to N/A $ ________ N/A Equals Net Trade In $ ________ N/A + Cash $ 500.00 + Other N/A $ ________ N/A + Other N/A $ ________ N/A + Other N/A $ ________ N/A (If total downpayment is negative, enter "0" and see 4l below) $ ________ 500.00 (2) $ ________ 19,499.00 (3) 3 Unpaid Balance of Cash Price (1 minus 2) 4 Other Charges Including Amounts Paid to Others on Your Behalf (Seller may keep part of these amounts): A Cost of Optional Credit Insurance Paid to Insurance Company or Companies. Life $ N/A Disability $ N/A B Vendor's Single Interest Insurance Paid to Insurance Company $ N/A C Other Optional Insurance Paid to Insurance Company or Companies $ N/A D Optional Gap Contract $ 750.00 E Official Fees Paid to Government Agencies to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A F Government Taxes Not Included in Cash Price $ ________ 0.00 G Government License and/or Registration Fees N/A N/A H Government Certificate of Title Fees $ ________ N/A I Other Charges (Seller must identify who is paid and describe purpose.) to N/A for Prior Credit or Lease Balance $ ________ N/A to EAN Holdings, LLC for Documentation Fee $ 299.00 to USP Corp for Windshield Protect $ 300.00 to USP Corp for TireandWheel $ 350.00 to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A to N/A for N/A $ ________ N/A Total Other Charges and Amounts Paid to Others on Your Behalf $ 1,699.00 (4) 5 Amount Financed (3 + 4) $ 21,198.00 (5) OPTION: ☒ You pay no finance charge if the Amount Financed, item 5, is paid in full on or before N/A , Year N/A , SELLER'S INITIALS N/A OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in Item 4d of the Itemization of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Term 72 Mos. AHIS Name of Gap Contract Alexandria Thomas I want to buy a gap contract. Buyer Signs ☒ B Returned Check Charge: You agree to pay a charge of $ 25.00 if any check you give us is dishonored. Insurance. You may buy the physical damage insurance this contract requires from anyone you choose who is acceptable to us. You may also provide the physical damage insurance through an existing policy owned or controlled by you that is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interest Insurance is required is checked on page 1 of this contract. If any insurance is checked below, policies or certificates from the named insurance companies will describe the terms and conditions. Check the insurance you want and sign below: Optional Credit Insurance ☐ Credit Life: ☐ Buyer ☐ Co-Buyer ☐ Both ☐ Credit Disability: ☐ Buyer ☐ Co-Buyer ☐ Both Premium: Credit Life $ ________ N/A Credit Disability $ ________ N/A Insurance Company Name ________________________________ N/A Home Office Address __________________________________ N/A Credit life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in Item 4a of the Itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not cover any increase in your payment or in the number of payments. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional Insurance ☐ N/A N/A Type of insurance Term Premium $ ________ N/A Insurance Company Name ________________________________ N/A Home Office Address __________________________________ N/A ☐ N/A N/A Type of Insurance Term Premium $ ________ N/A Insurance Company Name ________________________________ N/A Home Office Address __________________________________ N/A Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. xC N/A N/A Buyer Signature Date xC N/A N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. 3. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute, whether in contract, tort, statute or otherwise (including the interpretation and scope of this Arbitration Provision, and the arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns, which arises out of or relates to your credit application, purchase or condition of this vehicle, this contract or any resulting transaction or relationship (including any such relationship with third parties who do not sign this contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. Any claim or dispute is to be arbitrated by a single arbitrator on an individual basis and not as a class action. You expressly waive any right you may have to arbitrate a class action. You may choose the American Arbitration Association (www.adr.org) or any other organization to conduct the arbitration subject to our approval. You may get a copy of the rules of an arbitration organization by contacting the organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable statute of limitations. The arbitration hearing shall be conducted in the federal district in which you reside unless the Seller-Creditor is a party to the claim or dispute, in which case the hearing will be held in the federal district where this contract was executed. We will pay your filing, administration, service or case management fee and your arbitrator or hearing fee all up to a maximum of $5000, unless the law or the rules of the chosen arbitration organization require us to pay more. The amount we pay may be reimbursed in whole or in part by decision of the arbitrator if the arbitrator finds that any of your claims is frivolous under applicable law. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law. If the chosen arbitration organization's rules conflict with this Arbitration Provision, then the provisions of this Arbitration Provision shall control. Any arbitration under this Arbitration Provision shall be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and not by any state law concerning arbitration. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. You and we retain the right to seek remedies in small claims court for disputes or claims within that court's jurisdiction, unless such action is transferred, removed or appealed to a different court. Neither you nor we waive the right to arbitrate by using self-help remedies, such as repossession, or by filing an action to recover the vehicle, to recover a deficiency balance, or for individual injunctive relief. Any court having jurisdiction may enter judgment on the arbitrator's award. This Arbitration Provision shall survive any termination, payoff or transfer of this contract. If any part of this Arbitration Provision, other than waivers of class action rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. If a waiver of class action rights is deemed or found to be unenforceable for any reason in a case in which class action allegations have been made, the remainder of this Arbitration Provision shall be unenforceable. The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge. HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this contract must be in writing and we must sign it. No oral changes are binding. Buyer Signs XD Alexandria Thomas Co-Buyer Signs XD N/A If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them. For example, we may extend the time for making some payments without extending the time for making others. See the rest of this contract for other important agreements. NOTICE TO RETAIL BUYER: Do not sign this contract in blank. You are entitled to a copy of the contract at the time you sign. Keep it to protect your legal rights. You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it. You acknowledge that you have read all pages of this contract, including the arbitration provision above, before signing below. You confirm that you received a completely filled-in copy when you signed it. Buyer Signs xE Alexandria Thomas Date 05/23/2022 Co-Buyer Signs xE N/A Date N/A Buyer Printed Name Alexandria Thomas Co-Buyer Printed Name N/A If the "business" use box is checked in "Primary Use for Which Purchased": Print Name N/A Title N/A Co-Buyers and Other Owners — A co-buyer is a person who is responsible for paying the entire debt. An other owner is a person whose name is on the title to the vehicle but does not have to pay the debt. The other owner agrees to the security interest in the vehicle given to us in this contract. Other owner signs here xH N/A Address N/A Seller signs EAN HOLDINGS, LLC Date 05/23/2022 By XE Teauundra Perry Title Sales Consultant Seller assigns its interest in this contract to SANTANDER CONSUMER USA (Assignee) under the terms of Seller's agreement(s) with Assignee. Assigned with recourse ☐ Assigned without recourse ☒ Assigned with limited recourse Seller EAN HOLDINGS, LLC By XF Teauundra Perry Title Sales Consultant EXHIBIT 2 Explanation of Calculation of Surplus or Deficiency Date: 10/03/2023 ALEXANDRIA THOMAS 2305 E 7TH ST APT 3102 ELK CITY, OK 73644-8005 Re: Account No. [REDACTED]1000 Retail Installment Sale or Credit Sale Contract dated 05/23/2022 ("Agreement") 2019 // NISSAN // Kicks // VIN 3N1CP5CUXKL551226 ("Vehicle") Dear ALEXANDRIA THOMAS: Please be advised that we disposed of the Vehicle on 09/14/2023. The proceeds of the sale have been applied as explained below. If you financed a premium for credit insurance under your Agreement, you may be entitled to a refund of any unearned portion of the premium. 1. Aggregate unpaid balance of Agreement as of 10/03/2023 $22,266.28 2. Rebate of unearned finance charges as of 10/03/2023, if any - $0.00 3. Accrued and unpaid late fees + $81.00 4. Net balance due (1 minus 2 plus 3) = $22,347.28 5. Gross proceeds from the sale of the Vehicle - $9,100.00 6. Subtotal after deducting proceeds of sale (4 minus 5) = $13,247.28 7. Costs of retaking the Vehicle $565.00 8. Costs of storing the Vehicle + $0.00 9. Costs of preparing the Vehicle for sale + $260.00 10. Costs of selling the Vehicle + $312.50 11. Attorneys' fees and court costs + $0.00 12. Other costs: + $0.00 13. Total Costs (7 through 12) = $1,137.50 14. Credit: Rebate of unearned insurance premiums $0.00 15. Credit: + $0.00 16. Credit: + $0.00 17. Total Credits (14 through 16) = $0.00 18. Balance due/surplus after sale (6 plus or minus 13, plus or minus 17) = $14,384.78 (The checked box applies to you). ☑️ Deficiency balance for which you are liable and for which demand* is hereby made $14,384.78. ** ☐ No deficiency balance is owed because the cash price of the Vehicle was less than the minimum under state law. ☐ Surplus balance to be remitted to you $0.00. ** ☐ Surplus balance paid to a subordinate party $0.00.** **Future debits, credits, charges, finance charges or interest, rebates or other expenses may affect this amount. If you need more information about the transaction, contact us: Santander Consumer USA, P.O. Box 961245, Fort Worth, TX 76161-1245, (888) 222-4227. Sincerely, Santander Consumer USA * NOTICE: If you are entitled to the protections of the United States Bankruptcy Code (11 U.S.C. §§ 362; 524) regarding the subject matter of this letter, the following applies to you: THIS COMMUNICATION IS NOT AN ATTEMPT TO COLLECT A DEBT FROM YOU PERSONALLY IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. SANTANDER CONSUMER USA IS A DEBT COLLECTOR UNLESS THE NOTICE ABOVE APPLIES TO YOU. THIS IS AN ATTEMPT TO COLLECT YOUR DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Santander Consumer USA can report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. Santander Consumer USA, Inc. P.O. Box 9105 Temecula, CA 92589-9105 Send Payments to: Santander Consumer USA, Inc. P.O. Box 660633 Dallas, TX 75266-0633 Send Correspondence to: Santander Consumer USA, Inc. P.O. Box 961245 Fort Worth, TX 76161-1245 ALEXANDRIA THOMAS 2305 E 7TH ST APT 3102 ELK CITY, OK 73644-8005 STATEMENT OF ACCOUNT ACTIVITY Consumer Information as of 10/08/2025 ALEXANDRIA THOMAS 11732 NW 130TH ST PIEDMONT, OK 73078 Debt Description: SANTANDER CONSUMER USA ACCOUNT NUMBER: 001000 DATE ACCOUNT OPENED: 05/23/2022 DATE ACCOUNT CHARGED OFF: 06/30/2023 <table> <tr> <th>Post Date</th> <th>Transaction Amount</th> <th>Transaction Description</th> </tr> <tr> <td>07/18/2022</td> <td>-27.00</td> <td>System Generated Transaction</td> </tr> <tr> <td>07/19/2022</td> <td>27.00</td> <td>Waiver of Fees</td> </tr> <tr> <td>08/18/2022</td> <td>-27.00</td> <td>System Generated Transaction</td> </tr> <tr> <td>08/22/2022</td> <td>27.00</td> <td>Waiver of Fees</td> </tr> <tr> <td>09/07/2022</td> <td>524.29</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>10/06/2022</td> <td>482.00</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>11/04/2022</td> <td>262.50</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>11/18/2022</td> <td>-27.00</td> <td>System Generated Transaction</td> </tr> <tr> <td>12/02/2022</td> <td>482.00</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>01/11/2023</td> <td>482.00</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>01/31/2023</td> <td>480.00</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>03/09/2023</td> <td>524.29</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>04/18/2023</td> <td>-27.00</td> <td>System Generated Transaction</td> </tr> <tr> <td>05/04/2023</td> <td>524.29</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>06/18/2023</td> <td>-27.00</td> <td>System Generated Transaction</td> </tr> <tr> <td>07/03/2023</td> <td>-415.00</td> <td>Repo Fees</td> </tr> <tr> <td>07/12/2023</td> <td>-260.00</td> <td>Keys Fees</td> </tr> <tr> <td>08/01/2023</td> <td>-150.00</td> <td>Assessed Flatbed Fee</td> </tr> <tr> <td>08/01/2023</td> <td>-150.00</td> <td>Assessed Flatbed Fee</td> </tr> <tr> <td>08/01/2023</td> <td>150.00</td> <td>Assessed Flatbed Fee</td> </tr> <tr> <td>09/14/2023</td> <td>-312.50</td> <td>Auction Fees</td> </tr> <tr> <td>09/14/2023</td> <td>8787.50</td> <td>Sale Proceeds</td> </tr> <tr> <td>09/14/2023</td> <td>312.50</td> <td>Non-Cash sales proceeds</td> </tr> <tr> <td>10/03/2023</td> <td>14384.78</td> <td>Deficiency Balance Due (Rem.Balance: 14384.78)</td> </tr> <tr> <td>10/10/2023</td> <td>615.43</td> <td>Gap Insurance Cancellation/Refund (Rem.Balance: 13769.35)</td> </tr> <tr> <td>10/11/2023</td> <td>224.10</td> <td>Tire and Wheel Refund (Rem.Balance: 13545.25)</td> </tr> <tr> <td>10/11/2023</td> <td>211.45</td> <td>Tire and Wheel Refund (Rem.Balance: 13333.8)</td> </tr> <tr> <td>10/11/2023</td> <td>211.45</td> <td>Convenience Plan Refund (Rem.Balance: 13122.35)</td> </tr> <tr> <td>10/11/2023</td> <td>-211.45</td> <td>Tire and Wheel Refund (Rem.Balance: 13333.8)</td> </tr> <tr> <td>12/13/2023</td> <td>564.50</td> <td>Gap Insurance Cancellation/Refund (Rem.Balance: 12769.3)</td> </tr> <tr> <td>12/13/2023</td> <td>-564.50</td> <td>Gap Insurance Cancellation/Refund (Rem.Balance: 13333.8)</td> </tr> <tr> <td>09/18/2024</td> <td>2286.78</td> <td>Removed Interest & Fees (Rem.Balance: 11047.02)</td> </tr> </table> *Excerpt of Account Transactions from the Transaction Data File assigned to Jefferson Capital Systems LLC pursuant to the Bill of Sale dated 2024-10-02 EXHIBIT 3 FORM OF ASSIGNMENT For value received, in accordance with the Purchase and Sale Agreement and the Supplement thereto, dated as of October 2, 2024, together, (the "Agreement"), between Santander Consumer USA Inc., an Illinois corporation and/or Santander Consumer USA Inc. dba Chrysler Capital (the "Seller"), and Jefferson Capital Systems, LLC, a Georgia limited liability company (the "Purchaser"), on the terms and subject to the conditions set forth in the Agreement, the Seller does hereby irrevocably sell, transfer, assign, contribute and otherwise convey to the Purchaser on the Sale Date, without recourse (subject to the obligations in the Agreement), all right, title and interest of the Seller, whether now owned or hereafter acquired, in, to and under the Receivables set forth on the Schedule of Contracts attached hereto as Schedule 1, all Collections received on the Receivables after the Cut-Off Date, the Security and the Receivables Files relating to the Receivables and all proceeds of any of the foregoing. This Assignment is made pursuant to and upon the representations, warranties and agreements on the part of the undersigned contained in the Agreement and is governed by the Agreement. Capitalized terms used herein and not otherwise defined shall have the meaning assigned to them in the Agreement. * * * * * IN WITNESS WHEREOF, the undersigned has caused this Assignment to be duly executed as of the date and year first above written. SANTANDER CONSUMER USA INC. and/or SANTANDER CONSUMER USA INC. dba CHRYSLER CAPITAL, as Seller By: _________________________________ Name: Bruce Jackson Title: CEO and President ACKNOWLEDGED AND ACCEPTED: JEFFERSON CAPITAL SYSTEMS, LLC as Purchaser By: _________________________________ Name: Mark Zellmann Title: President Name | Social Security Number | Account Number | Seller Account Number | Open Date [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] [Redacted] | [Redacted] | [Redacted] | [Redacted] | [Redacted] ALEXANDRIA THOMAS | XXXX-XX-6028 | XXXXXXXXXXXXXX1000 | XXXXXXXXXXXXXXX1352 | 5/23/2022 LEGEND: [Redacted] indicates that all data for these records is redacted to protect other Consumers who were included in the same sale file but not part of the current action. Social Security Number, Account Number, and Seller Account Number information is masked to present only the last four characters in order to protect Consumer information. [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] $21,198.00 $11,047.02 $524.29 5/04/2023 [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Co Borrower Name] Original Creditor [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] SANTANDER CONSUMER USA INC [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] LEGEND: [Redacted] indicates that all data for these records is redacted to protect other Consumers who were included in the same sale file but not part of the current action. Social Security Number, Account Number, and Seller Account Number information is masked to present only the last four characters in order to protect Consumer information.