Jefferson Capital Systems LLC v. James Saunders

IN THE DISTRICT COURT OF BRYAN COUNTY STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC, Plaintiff, vs. JAMES SAUNDERS Defendant(s). Case No. CS-21-226 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 XXXXX3370. 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 11/30/22, the balance due at time of default is as follows $1,680.01. 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 $1,680.01. 7. The date of the last payment made by the Defendant(s) is April 28, 2022. 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), JAMES SAUNDERS in the amount of $1,680.01, 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 27, 2026 Nelson & Kennard, LLP By: [Signature] 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 PROMISSORY NOTE AND SECURITY AGREEMENT (WITH ARBITRATION CLAUSE) Date of Note: 10/04/2021 Account/Contract/Invoice No.: _____4/001_____ Lender: CONN CREDIT CORPORATION, INC. Lender Address: 2422 S STEMMONS FWY LEWISVILLE, TEXAS 75067 972-315-5080 Salesperson: KELLEY, HERBERT Effective Date of Insurance: 10/04/2021 This Texas Promissory Note and Security Agreement (the "Note") is with the above named Lender. "I" and "me" and similar words mean each person who signs as a Borrower. "You" and "your" and similar words mean the Lender and any assignee or purchaser of this Note. I promise that all information I gave you is true. If there is more than one Borrower, each Borrower agrees to keep all of the promises in the loan documents. <table> <tr> <th>Qty</th> <th>Model</th> <th>Description</th> <th>Price</th> </tr> <tr> <td>1</td> <td>PSE BUNDLE4</td> <td>AJ173963218 PS5 GHOST BLK CNTL</td> <td>1,299.99</td> </tr> <tr> <td>1</td> <td>TV SPEAKER</td> <td>08086703580 SOUNDBAR</td> <td>279.99</td> </tr> </table> * CASH OPTI ON EXPIRES 10/03/2022; SEE ADDENDUM FOR DETAILS * Down Payment: $ See Invoice No. (For a detailed description): 083-039139124/001 TRUTH IN LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of my credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost me.</th> <th>Amount Financed<br>The amount of credit provided to me or on my behalf.</th> <th>Total of Payments<br>The amount I will have paid after I have made all payments as scheduled.</th> </tr> <tr> <td>34.13%</td> <td>$1091.57</td> <td>$1904.17</td> <td>$2995.74</td> </tr> </table> My Payment Schedule will be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payment</th> <th>Payments are Due Monthly Beginning</th> </tr> <tr> <td>34</td> <td>88.11</td> <td>NOV. 03 2021</td> </tr> </table> Security: You will have a security interest in the collateral identified above. Late Charge: Any installment payment is late if my payment is not received on or before the scheduled due date stated above. I am in default if my payment is not received on or before the scheduled due date stated above. If any part of a payment is unpaid for 10 days after it is due, I may be charged a late charge of 5% of the scheduled payment. Prepayment: If I pay early, I will not have to pay a penalty. Additional Information: See this Note for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. OCCC Notice: For questions or complaints about this loan, contact Conn Credit Corporation, Inc.'s servicer at 1-877-358-1252, email at www.conns.com/contacts/, or by mail at 650 S. 23rd st. Suite D, Beaumont, TX 77707. The lender is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the lender, consumers can contact the OCCC to file a complaint or ask a general credit related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov E-mail: [email protected]. This instrument or agreement is assigned as collateral to JPMorgan Chase Bank, N.A. 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 WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREBY. ITEMIZATION OF THE AMOUNT FINANCED 1. Amount Financed: (2+ 3+ 4+ 5) $ 1904.17 2. Amount Given to Me Directly $ __________ 3. Amount Paid to Conn Appliances, Inc. on My Behalf $ 1710.33 4. Amount Paid on Prior Account (Gross Previous Indebtedness). Contract: $ .00 5. Amount Paid to Others on My Behalf (A+ B+ C+ D+ E+ F+ G) $ 193.84 (You may retain a portion of this amount.) A. Credit Life Insurance Paid to Insurance Company $ NONE B. Credit Disability Insurance Paid to Insurance Company $ NONE C. Credit Involuntary Unemployment Insurance Paid to Insurance Company $ NONE D. Property Insurance Paid to Insurance Company $ 193.84 E. Fees Paid to Public Officials $ __________ F. Non-Filing Insurance Paid to Insurance Company $ _________ G. Other Charges (i+ ii+ iii) $ __________ i. Paid to: ____________________________ For ____________________________ $ __________ ii. Paid to: ____________________________ For ____________________________ $ __________ iii. Paid to: ____________________________ For ____________________________ $ __________ 6. Prepaid Finance Charge (Administrative Fee) $ 100.00 Optional Credit Insurance: Credit life insurance, credit disability insurance, and involuntary unemployment insurance is optional. I am not required to buy credit insurance to obtain credit. Credit insurance will not be provided unless I sign and agree to pay the extra cost. Credit Life, one borrower $ NONE Term 34 Credit Disability, one borrower $ NONE Term 34 Credit Involuntary Unemployment, one borrower $ NONE Term 34 I want the insurance above. Borrower’s Signature: ___________________________ Date: 10/04/2021 Co-Borrower’s Signature: ___________________________ Date: 10/04/2021 Property Insurance: I must keep the collateral insured against damage or loss in the amount I owe. I may obtain property insurance from anyone I want or provide proof of insurance I already have. The insurer must be authorized to do business in Texas. I agree to give you proof of property insurance. I must name you as the person to be paid under the policy in the event of damage or loss. If I obtain the insurance through you, I will pay the premium shown below. If I fail to meet any of these requirements, you may obtain collateral protection insurance at my expense. If you obtain collateral protection insurance, you will mail notice to my last known address. Personal Property Insurance: $ 193.84 Term 34 I choose to: [X] Purchase personal property insurance [ ] Supply my own insurance coverage. Borrower’s Signature: ___________________________ Date: 10/04/2021 Co-Borrower’s Signature: ___________________________ Date: 10/04/2021 Promise to Pay: I promise to pay the cash advance plus the accrued interest to the order of you, the Lender. I will make the payments at the address provided in this Note and as provided in the coupon book, or payments can be made by calling 1-877-358-1252, going to www.connst.com, stopping by my local Conn’s store, or mailing my payment to P.O. Box 815867, Dallas, TX 75234-5867. I will make the payments on the dates and in the amounts shown in the Payment Schedule. I understand that you may seek payment from only me without first looking to any other Borrower. Interest: The cash advance is $ 2004.17. The annual rate of interest is earned at the rate of: [X] 29.99% on the entire unpaid cash advance; or [ ] 30% on the unpaid cash advance that is $3,700.00 or less; 24% on the unpaid cash advance that is greater than $3,700.01 through $7,700.00; and 18% on the unpaid cash advance that is greater than $7,700.01 through $18,500. This interest rate may not be the same as the Annual Percentage Rate. The unpaid cash advance includes the administrative fee, but does not include late charges and returned check charges. You base the Finance Charge and Total of Payments as if I will make each payment on the day it is due. You will apply payments on the date they are received. This may result in a different Finance Charge or Total of Payments. My final payment may be larger or smaller than my regular payment. Late Charge: If I do not pay all of a payment within 10 days after it is due, you can charge me a late charge. The late charge will be 5% of the scheduled payment. Prepayment: I can make any payment early. Unless you agree otherwise in writing, I may not skip payments. If I make a payment early, my next payment will still be due as scheduled. If I pay off early, I will not have to pay a penalty. You fully earn the Administrative Fee on the date of this Note. Returned Payment Fee: I agree to pay you a fee up to $30 for a returned payment. You can add the fee to the amount I owe or collect it separately. Invoice No.: 083-039139124/001 Security Agreement: I give you a security interest in the collateral described on the first page. The collateral includes all improvements and attachments to the collateral, insurance refunds, and proceeds. I own the collateral. I will not sell or transfer it without your written permission. I will not allow anyone else to have an interest in the collateral except you. I will keep the collateral at my address shown above. I will promptly tell you in writing if I change my address. I won't permanently remove the collateral from Texas unless you give me written permission. I will timely pay all taxes and license fees on the collateral. I will keep it in good repair. I won't use the collateral illegally. You maintain a purchase money security interest ("PMSI") in each of the goods identified as collateral and in each item of goods described under any prior agreement(s) described on the first page of this Note, (collectively, the "Property"). I agree the Property is personal property. Any Property that is flooring will create "fixtures" under applicable Texas law when installed and attached to the real property. The purchase of the Property and the financing under this Note are related transactions. The purpose of the Note is to allow my purchase of the Property. I approve you to file a fixture financing statement if required to perfect your security interest in any government filing office you believe proper. I agree that the Property has no chassis and is not a "manufactured home" under federal law. I understand and agree that any Property installed and attached to real property will be personal property and will establish a fixture subject to a county fixture filing by us for protecting our interest in the Property. Any fixture filing does not mean that we plan to enforce the Note under mortgage or real property laws. You will have the PMSI until the loan price of the Property is paid in full. You will allocate each payment on this Note to all the Property in the same ratio that the original cash sales price of each item bears to the total cash sales price of all items. However, if the Property includes property obtained under a prior agreement and the payments due under this Note are greater than the payments due under the prior agreement, you may allocate to the prior agreement(s) an amount from each payment equal to a payment due under the prior agreement. The remainder of each payment is allocated to this Note. The payments will be applied to the applicable Property in the ratio above. Default: I will be in default if: - I do not timely make a payment; - I break any promise I made in this Note; - I allow a judgment to be entered against me or the collateral; - I sell, lease, or dispose of the collateral; - I use the collateral for an illegal purpose; or - You believe in good faith that I am not going to keep any of my promises. If I am in default, you may require me to repay the entire unpaid part of the Amount Financed, any unpaid returned payment fees, and any accrued interest at once. You do not have to give me notice that you are demanding or intend to demand immediate payment of all that I owe. If you do not enforce your rights every time, you can still enforce them later. If the collateral includes a cell phone, I understand that software has been installed on it to prevent it from working if I am in default. I also agree to sign the Cell Phone Payment Reminder and Disabling Software Addendum attached hereto. Canceled Insurance Premiums and Repair Service Agreement: I may cancel any optional insurance policy or repair service agreement at any time. If I default on this Note and you demand I pay all that I owe, you may cancel any insurance policies or repair service agreements for which I was charged in this Note. If you get a refund from cancelled insurance or repair service agreements, you will subtract it from what I owe. Once all amounts owed under this Note are paid, any remaining refunds will be paid to me. Repossession: If there is a default, you can take the collateral. You will only do this lawfully and without a breach of the peace. If you take my collateral, you will tell me how much I have to pay to get it back. If I do not pay you to get the collateral back, you can sell it or take other action allowed by law. You will send me notice at least 10 days before you sell it. My right to get the collateral back ends when you sell it. You can use the money you get from selling it to pay amounts the law allows and to reduce the amount I owe. If any money is left, you will pay it to me. If the money from the sale is not enough to pay all I owe, I must pay the rest of what I owe you plus interest. Collection Costs: If this debt is referred to an attorney for collection, I will pay any attorney fees set by the court plus court costs. Collateral Returns, Exchanges, Delay in Receipt: I agree that any refunds for returned, exchanged, or undelivered collateral will be paid to you by Seller. You will apply any such refund to the principal balance. In such event, you may in your sole discretion either (i) keep the monthly installments the same or (ii) reduce the amount of future monthly installments. I also authorize you to push out my scheduled payment dates if there is a delay in my receiving the collateral. You agree to send me a notice of any such changes to the payment schedule. Notice: You can mail any notice to me at my last address in your records. Your duty to give me notice will be satisfied when you mail it. I can send notice to you at your address above. Applicable Law: Federal law and Texas law apply to this Note. Except as provided in the Arbitration Clause below, if any part of this Note is declared invalid, the rest of the Note remains valid. FURNISHING OF CREDIT INFORMATION: In this notice, "we" refers to the Lender. "Your" refers to Borrower. We may 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. ELECTRONIC CHECK CONVERSION: When I provide a check as payment, I authorize you either to use information from my check to make a one-time electronic fund transfer from my account or to process as a check transaction. CONTACT CONSENT TERMS: I am the owner or main user of the contact numbers and addresses I have given to you. I agree to tell you if any contact number or address of mine changes. I consent that you, your affiliates, agents and contractors may contact me about my accounts with you. I agree that contact may be made by mail, e-mail, and text messages. I also consent to receive recorded or artificial voice messages and calls from manual phones and/or automatic telephone dialer systems. I agree that my consent applies even if I must pay a charge for the call, text or email message. I agree that you may contact me at any and all of my numbers and addresses, including email, that: - I have given or may give to you. - You learn through other means, such as by caller ID when I call you or by skip tracing. - I own now or may own in the future, including cell phone, mobile phone, work phone, home or other phone numbers, or other devices. REVOCATION OF CONSENT: I agree that the consent provided by me to you in the section above is an important, bargained-for term of this contract and is a material reason for you agreeing to this contract. My consent may only be revoked upon written notice to you. Any such written notice shall include my name, mailing address, and the last four digits of my account number. If I no longer want to be contacted by phone and/or email, I must tell you, in writing, which phone numbers and/or email addresses I do not want used to contact me. I voluntarily waive any right to revoke my consent by any means other than as follows. My written notice to revoke consent must be delivered by facsimile to (833) 475-5081 (toll-free), or by Certified Mail, return receipt requested, to: Conn Appliances, Inc. 2445 Technology Forest Boulevard, Suite 800 The Woodlands, TX 77381 Attn.: Compliance Manager ARBITRATION CLAUSE ("Clause"): In this Clause, "you" and "your" include Lender's affiliates employees, officers, directors, agents, servicers, or assigns. A "Claim" is any claim, dispute or controversy that arises from or relates to this Note, the Property purchased or financed with the proceeds this Note, this Note, this Clause or any other documents I sign or give you. A Claim includes but is not limited to: Claims about the enforcement or interpretation of any other part of this Note; Claims alleging fraud or misrepresentation; and any other Claims under common law, equity, or concerning federal state, or local law or regulation. You or I may elect to resolve any Claim exclusively by binding individual arbitration. One arbitrator will hear the Claim. The arbitrator must be an attorney, retired judge, or arbitrator experienced in consumer finance and debt collection. The arbitrator will conduct the arbitration per the American Arbitration Association ("AAA") rules. I may choose another arbitration association and its rules, if you consent. The arbitrator must apply this Clause and the rules of the selected arbitration association. ANY ARBITRATION MUST BE ON AN INDIVIDUAL BASIS ONLY, I WAIVE MY RIGHT TO BE A CLASS REPRESENTATIVE OR CLASS MEMBER FOR ANY CLAIM AGAINST YOU, I ALSO WAIVE ANY RIGHT TO CONSOLIDATE OR JOIN MY CLAIMS WITH ANY OTHER PERSON OR ENTITY'S CLAIMS IF YOU SUE IN COURT TO COLLECT AMOUNTS I OWE, I MUST MAKE ANY COUNTERCLAIM ON AN INDIVIDUAL BASIS ONLY. I GIVE UP MY RIGHT TO PARTICIPATE IN A CLASS ACTION. THIS IS CALLED A "CLASS ACTION WAIVER." Arbitration costs and fees will be split equally up to $500 each, if the arbitration rules permit. You will advance all arbitrator's costs and fees above that amount. You will pay more if the chosen arbitration organization requires it. If you prevail, the arbitrator may require me to reimburse you for some of these amounts and attorney's fees, if the law permits. I will not pay costs and fees I would not have had to pay in a court action. The arbitrator may not award relief in a form or amount not allowed by law. Any arbitration hearing will take place near my residence. The Federal Arbitration Act governs this Clause. Judgment on the award may be entered in any court with jurisdiction. This Clause and Class Action Waiver survives the termination, payoff, assignment or transfer of this Note. This Clause and Class Action Waiver is also binding on each party and their respective heirs, successors and assigns. If any part of this Clause other than the Class Action Waiver cannot be enforced, the rest will be enforced. If the Class Action Waiver cannot be enforced, the entire Clause will be unenforceable. Each party retains the right to seek relief in a small claims court for Claims within that court's jurisdiction. If you or I bring any counterclaim that exceeds the small claims court's jurisdiction, the entire Claim must be submitted to arbitration. I MAY OPT OUT OF THIS ARBITRATION CLAUSE. To do so, I must send you a notice that I opt out by Certified Mail, return receipt requested. The notice must be postmarked within 14 days of the date of this Note. Such notice must be sent to the following address: Conn Credit Corporation, Inc., 2445 Technology Forest Boulevard, Suite 800, The Woodlands, TX 77381, Attn: Compliance Manager. This Arbitration Clause does not apply to you if, as of the date of this Note, you are both (i) a member of the armed forces or a dependent of such member, and (ii) entitled to protection under the federal Military Lending Act because the transaction included financing for the purchase of insurance as shown in the Itemization of Amount Financed, unless the Military Lending Act or its implementing rules or guidance provides otherwise. Military Lending Act Disclosure: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; (3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other than certain participation fees for a credit card account). Before signing this agreement, I may call 1-877-358-1252 to hear important disclosures and a clear description of my payment obligation. This written loan agreement is the final agreement between you and me and may not be changed by prior, current, or future oral agreements between you and me. There are no oral agreements between you and me relating to this loan agreement. Any change to this agreement must be in writing. Both you and I have to sign written agreements. I agree to the terms of this Note. I received a completed copy on 10/04/2021 DocuSigned by: ____________________________ Borrower _______________________________________ FOA781JSE160456... 10/4/2021 17:23 PM CST Age 41 D.o.B 3/28/80 SSN XXX XX-6266 Recibi un resumen del contrato en español I received a summary of the contract in Spanish. ASSIGNMENT: FOR VALUED RECEIVED, the Lender hereby sells, assigns and transfers to Conn Credit I, LP a Texas Limited Partnership ("Assignee") (a) all of its rights, title and interest in and to this Note, (b) all of its right, title and interest in and to the indebtedness evidenced hereby or payable hereunder, and (c) all of its right, title and interest in and to all security interests provided herein, including all of its right, title and interest in and to the Property, together with all monies now and hereafter due and or to become due thereon. Conn Appliances, Inc. ("Servicer") will carry out all servicing responsibilities. Unless Lender, Assignee, Servicer, or JPMorgan Chase Bank, N.A. notifies Borrower otherwise, all payments under this Note must be made to Servicer. SOLD, ASSIGNED, AND TRANSFERRED TO CONN CREDIT I, LP by CONN CREDIT CORPORATION, INC. Authorized Signature of Conn Credit Corporation, Inc. 3295 College Street Beaumont, Texas 77701 EXHIBIT 2 STATEMENT OF ACCOUNT ACTIVITY Consumer Information as of 12/02/2025 JAMES SAUNDERS 410 CHURCH RD DURANT, OK 74701 Debt Description: CONNS ACCOUNT NUMBER: [REDACTED] 3370 DATE ACCOUNT OPENED: 10/05/2021 DATE ACCOUNT CHARGED OFF: 11/30/2022 <table> <tr> <th>Post Date</th> <th>Transaction Amount</th> <th>Transaction Description</th> </tr> <tr> <td>10/04/2021</td> <td>193.84</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>100.00</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>2004.17</td> <td>UNIFLOAN (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>2005.82</td> <td>POSTULO (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>2004.17</td> <td>ADDLOAN (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>193.84</td> <td>ADDINSPROD (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>2005.82</td> <td>POSTLOAN (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/04/2021</td> <td>15.77</td> <td>RECEXP (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>10/05/2021</td> <td>2004.17</td> <td>Loan Origination (Appl.ToPrin: 0 Rem.Prin: 2004.17)</td> </tr> <tr> <td>11/08/2021</td> <td>88.11</td> <td>PAYMENT (Appl.ToPrin: 30.48 Rem.Prin: 1973.69)</td> </tr> <tr> <td>12/11/2021</td> <td>88.11</td> <td>PAYMENT (Appl.ToPrin: 34.59 Rem.Prin: 1939.1)</td> </tr> <tr> <td>01/06/2022</td> <td>88.11</td> <td>PAYMENT (Appl.ToPrin: 46.69 Rem.Prin: 1892.41)</td> </tr> <tr> <td>02/11/2022</td> <td>88.11</td> <td>PAYMENT (Appl.ToPrin: 32.13 Rem.Prin: 1860.28)</td> </tr> <tr> <td>03/11/2022</td> <td>88.11</td> <td>PAYMENT (Appl.ToPrin: 45.31 Rem.Prin: 1814.97)</td> </tr> <tr> <td>04/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1814.97)</td> </tr> <tr> <td>04/28/2022</td> <td>92.52</td> <td>PAYMENT (Appl.ToPrin: 20.94 Rem.Prin: 1794.03)</td> </tr> <tr> <td>05/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>06/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>07/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>08/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>09/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>10/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>11/13/2022</td> <td>4.41</td> <td>ASSESFEE (Appl.ToPrin: 0 Rem.Prin: 1794.03)</td> </tr> <tr> <td>11/30/2022</td> <td>114.02</td> <td>Unearned Interest (Appl.ToPrin: 114.02 Rem.Prin: 1680.01)</td> </tr> <tr> <td>11/30/2022</td> <td>1680.01</td> <td>Principal at ChargeOff</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 2025-01-15 EXHIBIT 3 BILL OF SALE AND ASSIGNMENT AND ASSUMPTION AGREEMENT This Bill of Sale and Assignment and Assumption Agreement (this “Agreement”) is made and executed as of January 15, 2025, by and between Conn Credit I, LP, a Texas limited partnership (“Assignor”), and Jefferson Capital Systems, LLC, a Georgia limited liability company (“Assignee"). Background WHEREAS, pursuant to Section 2.1 of that certain Amended and Restated Asset Purchase Agreement dated as of November 4, 2024, by and among Assignee, Assignor, Conn’s, Inc., a Delaware corporation (“Conn’s”), Conn Appliances, Inc., a Texas corporation (“Conn Appliances”), Conn Credit Corporation, Inc., a Texas corporation (“Conn Credit”), CARF COL LLC, a Delaware limited liability company (“CARF”), W.S. Badcock LLC, a Florida limited liability company (“Badcock”), W.S. Badcock Credit LLC, a Delaware limited liability company (“Badcock Credit”), and W.S. Badcock Credit I LLC, a Delaware limited liability company (collectively with Assignor, Conn’s, Conn Appliances, Conn Credit, CARF, Badcock and Badcock Credit, “Sellers”) (as amended, supplemented, or otherwise modified, the “Purchase Agreement”), at the 2022 Closing, Sellers have agreed to sell, assign, transfer, convey and deliver (or to cause the sale, transfer, assignment, conveyance and delivery) to Purchaser (or one or more of its designees), and Purchaser (or such designee(s)) has agreed to purchase, assume, acquire and accept from Assignor, all of Assignor’s (or its applicable Affiliate’s) right, title and interest in and to the 2022 Transferred Assets free and clear of all Liens (other than Permitted Liens); and WHEREAS, pursuant to Section 2.9 of the Purchase Agreement, Assignor has contemporaneously with the execution and delivery of this Agreement delivered to Assignee such instruments of sale, assignment, transfer, conveyance and delivery as are necessary to vest in Assignee all of Assignor’s right, title and interest in, to and under all of the 2022 Transferred Assets, for the consideration in the amount and on the terms provided therein. Agreement NOW THEREFORE, in consideration of the premises and of the mutual representations, warranties, covenants and agreements set forth herein and in the Purchase Agreement, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: 1. Capitalized Terms. All capitalized terms used and not otherwise defined in this Agreement shall have the meanings ascribed to them in the Purchase Agreement. 2. Conveyance and Assignment of the 2022 Transferred Assets. Pursuant to Section 2.1 of the Purchase Agreement, and subject to the terms and conditions of the Purchase Agreement, Assignor hereby sells, assigns, transfers, conveys and delivers to Assignee, and Assignee hereby purchases, assumes, acquires and accepts from Assignor, all of Assignor’s (or its applicable Affiliate’s) right, title and interest in, to and under the 2022 Transferred Assets free and clear of all Liens (other than Permitted Liens); 3. Assumption. Assignee hereby accepts the foregoing transfer and assignment of the 2022 Transferred Assets and, pursuant to Section 2.3 of the Purchase Agreement, hereby assumes the 2022 Assumed Liabilities. 4. Exclusion. Pursuant to Section 2.4 of the Purchase Agreement, Assignee will not assume and will not be obligated to assume or be obliged to pay, perform or otherwise discharge or in any other way be liable or responsible for any Excluded Liabilities. 5. Purchase Agreement. This Agreement is expressly subject to the terms and conditions of the Purchase Agreement. Nothing in this Agreement shall be deemed to supersede, diminish, enlarge or modify any of the provisions of the Purchase Agreement, all of which survive the execution and delivery of this Agreement as provided and subject to the limitations set forth in the Purchase Agreement. In the event of any conflict or inconsistency between the terms of the Purchase Agreement and the terms hereof, the terms of the Purchase Agreement shall govern and control. For the avoidance of doubt, the covenants, representations, warranties, indemnities and limitations provided in the Purchase Agreement with respect to the 2022 Transferred Assets are hereby incorporated herein by this reference as if herein set out in full and shall inure to the benefit of and shall be binding upon Assignor and Assignee and their respective successors and assigns. 6. Other Provisions. The provisions of Article 1 (Definitions) and Article 9 (General Provisions) of the Purchase Agreement are incorporated herein by reference and shall apply to the terms and conditions of this Agreement and the parties hereto mutatis mutandis. [Signatures appear on the following pages.] IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first above written. ASSIGNEE: JEFFERSON CAPITAL SYSTEMS, LLC Signed by: By: David M. Burton Name: David M. Burton Title: Chief Executive Officer ASSIGNOR: CONN CREDIT I, LP By: CAI Holdings, LLC, its General Partner By: ______________________ [Signature] Name: Mark Renzi Title: Chief Restructuring Officer | 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] | | [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] | | XXXXXXXXXXXXXXXX3370 | XXXXXXXXXXXXXXX8707 | [Redacted] | [Redacted] | 10/05/2021 | | [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] | | JAMES SAUNDERS | XXX-XX-6266 | [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. [Charge Off Date] | [Charge Off Amount] | [Purchased Balance] | [Last Payment Date] | [Last Payment Amount] [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] $1,680.01 | [Redacted] | [Redacted] | [Redacted] | $0.00 4/28/2022 | [Redacted] | [Redacted] | [Redacted] | [Redacted] 11/30/2022 | [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] 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. <table> <tr> <th>Co Borrower Name</th> <th>Original Creditor</th> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> </tr> </table> 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.