JEFFERSON CAPITAL SYSTEMS LLC v. SAMMY J MONEY

IN THE DISTRICT COURT OF BRYAN COUNTY STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC, Plaintiff, vs. SAMMY J MONEY Defendant(s). Case No. CS-26-231 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 XXXXXXXXXXXXXXX1000. 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 11/30/23, the balance due at time of default is as follows $1,986.88. 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 $1,986.88. 7. The date of the last payment made by the Defendant(s) is December 13, 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), SAMMY J MONEY in the amount of $1,986.88, plus all costs herein expended, including but not limited to, court costs, sheriff's fees, and special process server fees, attorney fees; and for such other and further relief as the Court may deem proper in the premises. Dated this February 2, 2026 Nelson & Kennard, LLP By: [signature] Ashton Dewayne Sears, OBA # 35737 12596 W. Bayaud Ave., Ste. 120 Lakewood, CO 80228 Phone: 866-920-2295 [email protected] Attorney for the Plaintiff EXHIBIT 1 CARMax RETAIL INSTALLMENT CONTRACT Contract Number 139331539 Contract Date 03/18/2022 Seller CarMax Auto Superstores, Inc. 12715 L B J FREEWAY GARLAND, TX 75041 Buyer SAMMY JOE MONEY 6322 STONEWALL ST, Apt. 111A GREENVILLE, TX 75402 Co-Buyer N/A Name Address Zip Code Name Address Zip Code Name Address Zip Code The Buyer is referred to as "you" or "your". The Seller is referred to as "we" or "us". This contract may be transferred by the Seller. Promise To Pay. The credit price is shown below as the "Total Sale Price". The "Cash Price" is also shown below. You agree to pay us the Amount Financed, Finance Charge, and any other charges in this contract. You agree to make payments according to the Payment Schedule in this contract. If more than one person signs as Buyer, you agree to keep all the promises in this contract even if the others do not. <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>Amount Financed</th> <th>Total of Payments</th> <th>Total Sale Price</th> </tr> <tr> <td>The cost of your credit as a yearly rate.</td> <td>The dollar amount the credit will cost you.</td> <td>The amount of credit provided to you or on your behalf.</td> <td>The amount you will have paid after you have made all payments as scheduled.</td> <td>The total cost of your purchase on credit, including your downpayment of</td> </tr> <tr> <td>17.20 %</td> <td>$ 16,615.82 e*</td> <td>$ 26,744.02</td> <td>$ 43,359.84 e*</td> <td>$ 500.00<br>$ 43,859.84 e*</td> </tr> </table> Your Payment Schedule will be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments are Due</th> </tr> <tr> <td>72</td> <td>$ 602.22</td> <td>Monthly, beginning 05/02/2022</td> </tr> </table> Security. We will have a security interest in the motor vehicle being purchased. Late Charge. If we do not receive your entire payment within 15 days after it is due, you will pay a late charge of 5% of the scheduled payment. Prepayment. If you pay early, you will not have to pay a penalty. Additional Information. See this document for more information about nonpayment, default, security interests, and any required repayment in full before the scheduled date. Optional GAP Waiver Agreement (GAP contract). A GAP contract is a debt cancellation agreement. It is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. The charge for a GAP contract is item D.5. Your GAP contract is a part of this Contract. See your GAP contract for details on the protection it provides. Term _______ 72 ________ (in months) WE WILL CANCEL CERTAIN AMOUNTS YOU OWE UNDER THIS CONTRACT IN THE CASE OF A TOTAL LOSS OR THEFT OF THE VEHICLE AS STATED IN THE GAP CONTRACT. You can cancel the GAP contract without charge for a period of 30 days from the date of this contract, or for the period stated in the GAP contract, whichever period ends later. I want the optional GAP contract. Buyer Signs: ________________________________ * A documentary fee is not an official fee. A documentary fee is not required by law, but may be charged to buyers for handling documents relating to the sale. A documentary fee may not exceed a reasonable amount agreed to by the parties. This notice is required by law. * Un cargo documental no es un cargo oficial. La ley no exige que se imponga un cargo documental. Pero éste podría cobrarse a los compradores por el manejo de la documentación en relación con la venta. Un cargo documental no puede exceder una cantidad razonable acordada por las partes. Esta notificación se exige por ley. Vehicle you are purchasing: Year/Make/Model 2020/NISSAN/KICKS VIN 3N1CP5DV6LL579226 New ___ Used X You have thoroughly inspected, accepted, and approved of the Vehicle in all respects. Use for which purchased: Personal, Family, or Household X Business or Commercial _____ Agricultural ______ "Trade-In(s)": Year/Make/Model N/A VIN N/A Year/Make/Model N/A VIN N/A ITEMIZATION OF AMOUNT FINANCED <table> <tr> <th colspan="2">A. CASH PRICE</th> <th>$ 22,998.00</th> </tr> <tr> <td>1.</td> <td>Cash Price of Vehicle</td> <td></td> </tr> <tr> <td>2.</td> <td>Cash Price of CarMax Accessories</td> <td>$ 0.00</td> </tr> <tr> <td>3.</td> <td>Sales/Excise Tax</td> <td>$ 1,437.38</td> </tr> <tr> <td>4.</td> <td>Other: N/A</td> <td>$ 0.00</td> </tr> <tr> <td>5.</td> <td>Other: N/A</td> <td>$ 0.00</td> </tr> <tr> <td>6.</td> <td>Total Cash Price [1 through 5]</td> <td>$ 24,435.38</td> </tr> <tr> <th colspan="2">B. DOWNPAYMENT AND CREDITS</th> <th></th> </tr> <tr> <td>1.</td> <td>Cash Downpayment</td> <td>$ 500.00</td> </tr> <tr> <td>2.</td> <td>Manufacturer's Rebate</td> <td>$ 0.00</td> </tr> <tr> <td>3.</td> <td>Credit From "Trade-In" Sold to CarMax</td> <td></td> </tr> <tr> <td>a.</td> <td>Value of "Trade-In"</td> <td>$ 0.00</td> </tr> <tr> <td>b.</td> <td>Proceeds from "Trade-In" Retained by Buyer</td> <td>$ 0.00</td> </tr> <tr> <td>c.</td> <td>Pay-Off of "Trade-In"</td> <td>$ 0.00</td> </tr> <tr> <td>d.</td> <td>Net Value of "Trade-In" [a minus b minus c, if negative, enter "0" and see line D.6. below]</td> <td>$ 0.00</td> </tr> <tr> <td>4.</td> <td>Other: N/A</td> <td>$ 0.00</td> </tr> <tr> <td>5.</td> <td>Other: N/A</td> <td>$ 0.00</td> </tr> <tr> <td>6.</td> <td>Total Downpayment [1 through 5]</td> <td>$ 500.00</td> </tr> <tr> <th colspan="2">C. UNPAID BALANCE OF CASH PRICE [A.8. minus B.6.]</th> <th>$ 23,935.38</th> </tr> <tr> <th colspan="2">D. OTHER CHARGES INCLUDING AMOUNTS PAID TO OTHERS ON YOUR BEHALF (Seller may keep part of these amounts.)</th> <th></th> </tr> <tr> <td>1.</td> <td>Documentary Fee*</td> <td>$ 150.00</td> </tr> <tr> <td>2.</td> <td>Dealer's Inventory Tax</td> <td>$ 50.39</td> </tr> <tr> <td>3.</td> <td>To Public Officials or State</td> <td></td> </tr> <tr> <td>a.</td> <td>Government Certificate of Title Fee</td> <td>$ 33.00</td> </tr> <tr> <td>b.</td> <td>Government License and Registration Fees</td> <td>$ 56.50</td> </tr> <tr> <td>c.</td> <td>County Fees</td> <td>$ 11.50</td> </tr> <tr> <td>d.</td> <td>TX Temporary License Plate Fee</td> <td>$ 5.00</td> </tr> <tr> <td>e.</td> <td>TX Inspection Fees</td> <td>$ 8.25</td> </tr> <tr> <td>f.</td> <td>N/A</td> <td>$ 0.00</td> </tr> <tr> <td>g.</td> <td>N/A</td> <td>$ 0.00</td> </tr> <tr> <td>4.</td> <td>To Consumer Program Administrators, Inc. for Optional Extended Service Contract</td> <td>$ 1,699.00</td> </tr> <tr> <td>5.</td> <td>Optional GAP Waiver Agreement (GAP Contract)</td> <td>$ 795.00</td> </tr> <tr> <td>6.</td> <td>To N/A for Pay-Off of the "Trade-In" where Pay-Off exceeds value of "Trade-In" [B.(3)(c) minus B.(3)(a)]</td> <td>$ 0.00</td> </tr> <tr> <td>7.</td> <td>Total of Other Charges and Amounts Paid to Others on Your Behalf [1 through 6]</td> <td>$ 2,808.64</td> </tr> <tr> <th colspan="2">E. AMOUNT FINANCED [C plus D.7.]</th> <th>$ 26,744.02</th> </tr> </table> Taxes, title fee, license fee, and any state inspection fee will be paid by Seller to government agencies. Documentary fee and deputy service fee will be retained by Seller and the Seller may also retain parts of the insurance, service contracts, and other charges. This contract has 5 pages, plus any optional GAP Waiver Agreement. This is page 1. By initialing below you represent that you have read and agree to all provisions on all pages. Buyer's Initials ___________________________ Co-Buyer's Initials ___________________________ RETAIL INSTALLMENT CONTRACT YOUR REPRESENTATIONS. You promise that you have given true and correct information in your credit application. You understand that in entering this contract we have relied on the representations you have made to us. Upon request, you agree to provide us with documents and other information necessary to verify any item contained in your credit application. LATE CHARGE. You will pay us a late charge as agreed to in this contract when it accrues. RETURNED PAYMENT CHARGE. You will pay us a returned payment charge of $30 for each payment device that is not honored by your financial institution. The fee can be added to the amount you owe or collected separately. FINANCE CHARGES. We figure the Finance Charge using the true daily earnings method as defined by the Texas Finance Code. Under the true daily earnings method, the Finance Charge will be figured by applying the daily rate to the unpaid portion of the Amount Financed for the number of days the unpaid portion of the Amount Financed is outstanding. The daily rate is 1/365th of the Annual Percentage Rate. The unpaid portion of the Amount Financed does not include late charges or return check charges. HOW WE WILL APPLY YOUR PAYMENTS. We will apply your payments in the following order: (1) earned but unpaid finance charge; and (2) to anything else you owe under this agreement. HOW LATE OR EARLY PAYMENTS CHANGE WHAT YOU MUST PAY. We based the Finance Charge, Total of Payments, and Total Sale Price as if all payments were made as scheduled. If you do not timely make all your payments in at least the correct amount, you will have to pay more Finance Charge and your last payment will be more than your final scheduled payment. If you make your scheduled payments early, your Finance Charge will be reduced (less). If you make your scheduled payments late, your Finance Charge will increase. INTEREST AFTER MATURITY. If you do not pay all you owe when the final payment becomes due, or you do not pay all that you owe if we demand payment in full under this contract, you will pay an interest charge on the amount that is still unpaid. The amount owed will continue to accrue finance charge or interest at the Annual Percentage Rate shown on Page 1 of this contract until paid in full. TRANSFER OF RIGHTS. We may transfer this contract to another person. That person will then have all our rights, privileges, and remedies. USE AND TRANSFER OF THE MOTOR VEHICLE. You will not sell or transfer the motor vehicle without our written permission. If you do sell or transfer the motor vehicle, this will not release you from your obligations under this contract, and we may charge you a transfer of equity fee of $25.00. You will promptly tell us in writing if you change your address or the address where you keep the motor vehicle. You will not remove the motor vehicle from Texas for more than 30 days unless you first get our written permission. CARE OF THE MOTOR VEHICLE. You agree to keep the motor vehicle free from all liens, and claims except those that secure this contract. You will timely pay all taxes, fines, or charges pertaining to the motor vehicle. You will keep the motor vehicle in good repair. You will not allow the motor vehicle to be seized or placed in jeopardy or use it illegally. You must pay all you owe even if the motor vehicle is lost, damaged or destroyed. If a third party takes a lien or claim against or possession of the motor vehicle, we may pay the third party any cost required to free the motor vehicle from all liens or claims. We may immediately demand that you pay us the amount paid to the third party for the motor vehicle. If you do not pay this amount, we may repossess the motor vehicle and add that amount to the amount you owe. If we do not repossess the motor vehicle, we may still demand that you pay us, but we cannot compute a finance charge on this amount. AGREEMENT TO KEEP MOTOR VEHICLE INSURED. You agree to have physical damage insurance covering loss or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. The insurer must be authorized to do business in Texas. The insurance must include collision coverage and either comprehensive or fire, theft, and combined additional coverage. OUR RIGHT TO PURCHASE REQUIRED INSURANCE IF YOU FAIL TO KEEP THE MOTOR VEHICLE INSURED. If you fail to give us proof that you have insurance, we may buy physical damage insurance. We may buy insurance that covers your interest and our interest in the motor vehicle, or we may buy insurance that covers our interest only. You will pay the premium for the insurance and a finance charge at the contract rate. If we obtain collateral protection insurance, we will mail notice to your last known address shown in our file. PHYSICAL DAMAGE INSURANCE PROCEEDS. You must use physical damage insurance proceeds to repair the motor vehicle, unless we agree otherwise in writing. However, if the motor vehicle is a total loss, you must use any proceeds from insurance to pay what you owe us. You agree that we can reduce what you owe under this contract. If we apply insurance proceeds to the amount you owe, they will be applied to your payments in the reverse order of when they are due. If your insurance on the motor vehicle or credit insurance doesn't pay all you owe, you must pay what is still owed. Once all amounts owed under this contract are paid, any remaining proceeds will be paid to you. RETURNED OPTIONAL SERVICE AND GAP CONTRACT CHARGES. If we get a refund on service or GAP contracts, or other contracts included in the cash price, we will subtract it from what you owe. Once all amounts owed under this contract are paid, any remaining refunds will be paid to you. Other Important Agreements APPLICATION OF CREDITS. Any credit that reduces your debt will apply to your payments in the reverse order of when they are due, unless we decide to apply it to another part of your debt. The amount of the credit and all finance charge or interest on the credit will be applied to your payments in the reverse order of your payments. SECURITY INTEREST. To secure all you owe on this contract and all your promises in it, you give us a security interest in: • The motor vehicle including all accessories and parts now or later attached, and any other goods financed in this contract; • All insurance proceeds and other proceeds received for the motor vehicle; • Any GAP, service contract or other contract financed by us and any proceeds of those contracts; and • Any refunds of charges included in this contract for GAP or service contracts. This security interest also secures any extension or modification of this contract. The certificate of title must show our security interest in the motor vehicle. DEFAULT. You will be in default if: • You do not pay any amount when it is due; • You break any of your promises in this agreement; • You allow a judgment to be entered against you or the collateral; or • You file bankruptcy, bankruptcy is filed against you, or the motor vehicle becomes involved in a bankruptcy. If you default, we can exercise our rights under this contract and our other rights under the law. OUR RIGHT TO DEMAND PAYMENT IN FULL. If you default, or we believe in good faith that you are not going to keep any of your promises, we can demand that you immediately pay all that you owe. We don't have to give you notice that we are demanding or intend to demand immediate payment of all that you owe. REPOSESSION: If you default, we may repossess the motor vehicle from you if we do so peacefully. If any personal items are in the motor vehicle, we can store them for you and give you written notice at your last address shown on our records within 15 days of discovering that we have your personal items. If you do not ask for these items back within 31 days from the day we mail or deliver the notice to you, we may dispose of them as applicable law allows. Any accessory, equipment, or replacement part stays with the motor vehicle. YOUR RIGHT TO REDEEM: If we take your motor vehicle, we will tell you how much you have to pay to get it back. If you do not pay us to get the motor vehicle back, we can sell it or take other action allowed by law. Your right to redeem ends when the motor vehicle is sold or we have entered into a contract for sale or accepted the collateral as full or partial satisfaction of a contract. DISPOSITION OF THE MOTOR VEHICLE: If you don't pay us to get the motor vehicle back, we can sell it or take other action allowed by law. We will send you notice at least 10 days before we sell it in a public or private sale. We can use the money we get from selling it to pay allowed expenses and to reduce the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the motor vehicle, holding it, preparing it for sale, and selling it. If any money is left, we will pay it to you unless we must pay it to someone else. If the money from the sale is not enough to pay all you owe, you must pay the rest of what you owe us plus Interest. If we take or sell the motor vehicle, you will give us the certificate of title and any other document required by state law to record transfer of title. COLLECTION COSTS: If we hire an attorney who is not our employee to enforce this contract, you will pay reasonable attorney's fees and court costs as the applicable law allows. CANCELLATION OF OPTIONAL GAP AND SERVICE CONTRACTS: This contract may contain charges for GAP or service contracts or for services included in the cash price. If you default, you agree that we can claim benefits under these contracts to the extent allowable, and terminate them to obtain refunds of unearned charges to reduce what you owe or repair the motor vehicle. LEGAL LIMITATIONS ON OUR RIGHTS: If we don't enforce our rights every time, we can still enforce them later. We will exercise all of our rights in a lawful way. You don't have to pay finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and over all our other acts. "TRADE-IN" AND DOWNPAYMENT. You promise that you own and have valid title to any vehicle you sold to us as a "Trade-in." You represent that any "Trade-in" vehicle is free from any lien or security interest except as you have disclosed to us in writing. You promise that you have made the downpayment shown in the Itemization of Amount Financed on Page 1 of this contract and that you have not borrowed it. COMMUNICATIONS. You agree that we may monitor and record telephone calls regarding this contract. You expressly consent that we may contact you (by calls, emails, text messages or other electronic messages) for any purpose related to this contract by any means, including but not limited to the use of prerecorded/artificial voice messages or automatic telephone dialing devices. Your express consent applies to any email addresses or telephone numbers you provide in any manner and at any time. APPLICABLE LAW. Federal and Texas law apply to this contract. This contract has 5 pages, plus any optional GAP Waiver Agreement. This is page 2. By initialing below you represent that you have read and agree to all provisions on all pages. Buyer's Initials ______ Co-Buyer's Initials ______ EXHIBIT 2 STATEMENT OF ACCOUNT ACTIVITY Consumer Information as of 12/10/2025 SAMMY J MONEY 52 NUNLEY DR COLBERT, OK 74733 Debt Description: SANTANDER CONSUMER USA ACCOUNT NUMBER [REDACTED] 1000 DATE ACCOUNT OPENED: 03/18/2022 DATE ACCOUNT CHARGED OFF: 11/30/2023 <table> <tr> <th>Post Date</th> <th>Transaction Amount</th> <th>Description/Transaction</th> </tr> <tr> <td>05/13/2022</td> <td>602.22</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>06/18/2022</td> <td>-30.11</td> <td>System Generated Transaction</td> </tr> <tr> <td>06/24/2022</td> <td>602.22</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>07/18/2022</td> <td>-30.11</td> <td>System Generated Transaction</td> </tr> <tr> <td>07/22/2022</td> <td>602.22</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>08/18/2022</td> <td>-30.11</td> <td>System Generated Transaction</td> </tr> <tr> <td>09/16/2022</td> <td>602.22</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>10/14/2022</td> <td>602.22</td> <td>WebPay - Pinless Debit (no fee)</td> </tr> <tr> <td>11/18/2022</td> <td>-30.11</td> <td>System Generated Transaction</td> </tr> <tr> <td>12/13/2022</td> <td>18959.75</td> <td>Total Loss Insurance<br>Waiver of Fees</td> </tr> <tr> <td>12/13/2022</td> <td>90.33</td> <td></td> </tr> <tr> <td>12/18/2022</td> <td>-30.11</td> <td>System Generated Transaction<br>Waiver of Fees</td> </tr> <tr> <td>01/11/2023</td> <td>30.11</td> <td>System Generated Transaction<br>Waiver of Fees</td> </tr> <tr> <td>01/18/2023</td> <td>-30.11</td> <td>System Generated Transaction</td> </tr> <tr> <td>02/18/2023</td> <td>-30.11</td> <td>System Generated Transaction</td> </tr> <tr> <td>03/01/2023</td> <td>18959.75</td> <td>Total Loss Insurance</td> </tr> <tr> <td>03/01/2023</td> <td>-18959.75</td> <td>Total Loss Insurance</td> </tr> <tr> <td>03/08/2023</td> <td>1323.84</td> <td>Warranty Refund</td> </tr> <tr> <td>03/08/2023</td> <td>1323.84</td> <td>Service Contract Refund</td> </tr> <tr> <td>03/08/2023</td> <td>-1323.84</td> <td>Warranty Refund</td> </tr> <tr> <td>09/22/2023</td> <td>4966.64</td> <td>Gap Insurance Payment</td> </tr> <tr> <td>12/17/2023</td> <td>3009.84</td> <td>Deficiency Balance Due (Rem.Balance: 3009.84)</td> </tr> <tr> <td>09/18/2024</td> <td>1022.96</td> <td>Removed Interest & Fees (Rem.Balance: 1986.88)</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 <table> <tr> <th>Name</th> <th>Social Security Number</th> <th>Account Number</th> <th>Seller Account Number</th> <th>Open Date</th> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> 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<td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>SAMMY J MONEY</td> <td>XXXXXXXXXXXXXX10000</td> <td>XXXXXXXXXXXXX8964</td> <td>3/18/2022</td> <td>[Redacted]</td> </tr> </table> <table> <tr> <th>Charge Off Date</th> <th>Charge Off Amount</th> <th>Purchased Balance</th> <th>Last Payment Date</th> <th>Last Payment Amount</th> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>$602.22</td> </tr> <tr> <td>11/30/2023</td> <td>$1,986.88</td> <td>$1,986.88</td> <td>12/13/2022</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> </tr> <tr> <td>[Redacted]</td> <td>[Redacted]</td> <td>[Redacted]</td> <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. [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] SANTANDER CONSUMER USA INC [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted] [Redacted]