Jefferson Capital Systems LLC v. Jami Ramos

IN THE DISTRICT COURT OF GRADY COUNTY STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC, Plaintiff, vs. JAMI RAMOS Defendant(s). 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 XXXXXXX3163. 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 2/22/23, the balance due at time of default is as follows $1,150.42. 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 $1,150.42. 7. The date of the last payment made by the Defendant(s) is July 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), JAMI RAMOS in the amount of $1,150.42, 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 29, 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 Promissory Note and Security Agreement (Including Arbitration Agreement) Name and Address of Lender/Secured Party: Regional Finance Company of Oklahoma, LLC d/b/a Regional Finance 2108A W LINDSEY ST NORMAN, OK 73069-4108 Name and Address of Borrower: JAMI RAMOS 19 RIDGECREST DR CHICKASHA, OK 73018-6241 Date: 04/13/2022 Account Number: [REDACTED] 3163 Prior Account Number (if any): 112000422135 Name and Address of Co-Borrower: This Promissory Note and Security Agreement (the "Note") contains the terms of your loan with the lender named above. The words "you," "your," and "yours" refer to the Borrower(s) who signs this Note. The words "we," "us," "our," and "Lender" refer to the lender named above. We want you to understand how your loan works, including your repayment obligations. You should read this document carefully and ask any questions that you may have. If you agree to be bound by the promises in this Note, you should sign your name below. By signing this Note, you are agreeing to pay the loan, interest, fees, and charges described in this Note. If more than one person signs, each will be responsible for repaying the loan in full. FEDERAL TRUTH IN LENDING DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 31.763% FINANCE CHARGE The dollar amount the credit will cost you. $357.50 Amount Financed The amount of credit provided to you or on your behalf. $1,324.06 Total of Payments The amount you will have paid after you have made all payments as scheduled. $1,681.56 Payment Schedule: 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>17</td> <td>$93.42</td> <td>Monthly beginning on 05/13/2022</td> </tr> <tr> <td>1</td> <td>$93.42</td> <td>Final Payment Date (Maturity Date): 10/13/2023</td> </tr> </table> Security: You are giving a security interest in: ☒ consumer goods ☐ other: Late Charge: If any portion of your payment is more than 10 days past due, we will charge you a late fee of 5.00% of the unpaid amount of the payment or $27.00, whichever is greater. Prepayment: If you pay off all or any part of this Note early, you may be entitled to a refund of part of the finance charge. You should read the remainder of this Note for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. ITEMIZATION OF AMOUNT FINANCED <table> <tr> <td>$1,324.06</td> <td>Principal (Amount Financed plus Prepaid Finance Charge)</td> </tr> <tr> <td>$0.00</td> <td>Prepaid Finance Charge (Acquisition Charge)</td> </tr> <tr> <td>$1,324.06</td> <td>Amount Financed (Sum of Lines 1 and 2)</td> </tr> <tr> <td>$1,324.06</td> <td>Balance (Net of Refunds) Paid on Your Prior Account</td> </tr> </table> ITEMIZATION OF FINANCE CHARGE <table> <tr> <td>1.</td> <td>$357.50 Total of Installment Account Handling Charges</td> </tr> <tr> <td>2.</td> <td>$0.00 Acquisition Charge (Prepaid Finance Charge)</td> </tr> <tr> <td>3.</td> <td>$357.50 Total Finance Charge (Sum of Lines 1 and 2)</td> </tr> </table> PROMISE TO PAY; FINANCE CHARGES. This is a precomputed loan. You, the undersigned Borrower(s), jointly and severally, promise to pay to the order of Lender, at its office: (1) the Total of Payments disclosed in the Federal Truth in Lending Disclosures above; plus (2) all other charges that arise under this Note. The Total of Payments consists of: (1) the Amount Financed disclosed in the Federal Truth in Lending Disclosures above; plus (2) the Acquisition Charge (Prepaid Finance Charge) disclosed in the Itemization of Finance Charge above; plus (3) the Total of Installment Account Handling Charges disclosed in the Itemization of Finance Charge above. The Installment Account Handling Charges are included in, and must be paid with, the periodic payments disclosed above. [The remainder of this page is intentionally left blank.] INTEREST RATE AFTER MATURITY, DEFAULT, OR JUDGMENT. Following the Final Payment Date (Maturity Date) disclosed in the Federal Truth in Lending Disclosures above (or any deferred Final Payment Date (Maturity Date)) in the event such date is deferred by you and us), interest at an interest rate of 0.00% ("the "Post-Maturity Interest Rate"), unless otherwise provided by law. If you default under this Note and we obtain a judgment against you, interest shall accrue on such judgment at the rate ordered by the court, or as otherwise allowed by law. ACQUISITION CHARGE. You agree to pay us the Prepaid Finance Charge (Acquisition Charge) disclosed above in the Itemization of Amount Financed. The Prepaid Finance Charge (Acquisition Charge) is fully earned on the sixty-first day following the date of this Note and is not thereafter subject to rebate or refund if you prepay your loan. PAYMENT DUE DATES. You agree to make regular payments as disclosed in the Federal Truth in Lending Disclosures above. The following table describes the due dates of your payments if your first payment is due on the 29th, 30th, or 31st of the month: <table> <tr> <th>If your first payment is due:</th> <th>Then all subsequent payments are due:</th> </tr> <tr> <td>On the 31st of the month</td> <td>On the last day of the month</td> </tr> <tr> <td>On the 29th or 30th of the month</td> <td>The same day of the month, except for February when your payment will be due on the last day of the month</td> </tr> </table> If you have not paid all amounts due under this Note by the Final Payment Date (Maturity Date) disclosed in the Federal Truth in Lending Disclosures above (or any deferred Final Payment Date (Maturity Date)), you agree to pay all outstanding amounts at that time. PAYMENT DEFERRAL AND EXTENDED TERM. If you and we agree, we may defer the due date of all or part of one or more installment payments due under this Note. If you and we agree, we may also extend the Final Payment Date (Maturity Date) set forth in the Federal Truth in Lending Disclosures above. PAYMENT APPLICATION. Unless otherwise required by law, payments will be applied in the following order: (1) to late charges and other permissible charges; and (2) then to the remaining balance of the Note. Any portion or all of the balance may be prepaid at any time without penalty. Additional payments may reduce your balance but will not relieve you of your obligation to make regular monthly payments as set forth in the Payment Schedule above, unless otherwise allowed by us. PREPAYMENT; REFUND OF FINANCE CHARGES. You may prepay all or part of the balance due under this Note at any time without penalty. If you do so, you must first pay the earned and unpaid charges and other amounts due up to the date of your payment. The Prepaid Finance Charge (Acquisition Charge) listed above will be fully earned on the sixty-first day following the date of this Note. If your loan is prepaid in full, refinanced, or consolidated within the first 60 days following the date of this Note, a pro-rata portion of the Prepaid Finance Charge (Acquisition Charge) will be refunded to you. In addition, if your loan is prepaid in full at any time during the term of the Note, Lender will refund any unearned Installment Account Handling Charges in accordance with Oklahoma law. Lender will compute the refund using the sum of the periodic balances method. Lender is not obligated to refund amounts less than $1.00 upon prepayment or in the event of an overpayment upon payment in full. DISHONORED PAYMENTS. To the extent permitted by applicable law, you agree to pay a fee not to exceed $25.00 for each check, negotiable order of withdrawal, or share draft that you give to us that is dishonored or returned to us unpaid for any reason. LATE CHARGE. You agree to pay the late charge disclosed in the Federal Truth in Lending Disclosures above. SECURITY AGREEMENT. To secure the payment of all amounts due from you under this Note, you grant us a security interest under the Uniform Commercial Code of Oklahoma in: (1) the property described in the Federal Truth in Lending Disclosures box on page 1 of this Note, as more fully described in any Exhibit A attached hereto and incorporated by reference; and (2) all money or goods received ("proceeds") for such property, all of which is called the "Property" or "Collateral". MAINTENANCE AND USE OF COLLATERAL. You promise that you will not permanently remove the Collateral from your residence. You promise not to dispose of any Collateral without our written consent. You agree that all equipment, accessories, and parts attached to or added to the Collateral will at once become a part of the Collateral. You will use the Collateral only for personal, family, and/or household purposes. You will not sell the Collateral. You will not pledge the Collateral as security for another loan. You will not give the Collateral away. You will not abandon the Collateral. You will not lease the Collateral. You will not use the Collateral for other than personal use without our written consent. You will not use the Collateral for any illegal purposes. You will not allow anyone other than us to put a lien on the Collateral. You will keep the Collateral in good condition and repair. You will pay when due any repair bills, storage bills, taxes, fines, or other charges on the Collateral. EVENTS OF DEFAULT. You will be in default if any payment or any other sum due under this Note is not paid when due. You also will be in default if the prospect of payment or performance is significantly impaired, including by any one or more of the following: (1) you are in (or any other person puts you in) bankruptcy, insolvency, wrong; or (3) you do not fulfill a promise you have made to us in this Note; or (4) you die; or (5) the Collateral is seized or confiscated by a political or governmental agency as a result of the alleged illegal use of the Collateral; or (6) you default on another loan or credit obligation that you owe to us. Time is of the essence of this Note. Waiver of any default or acceptance of any past due payment will not be a waiver of any subsequent or other default. RISK OF LOSS; OBLIGATION TO MAINTAIN INSURANCE. The Collateral will be held at your risk. You agree to buy and keep insurance against all physical damage risks to the Collateral. The insurance must be in a form and for amounts as we may reasonably require. You will pay the cost of the insurance. You agree to keep the insurance until all promises in this Note are satisfied in full. The proceeds of the insurance will be payable as our interests appear, with the lender's loss payable clause identifying us as lender from the beginning of the term of this Note and until all promises in this Note are satisfied in full. You may choose the person through which property damage insurance is obtained, and you have the option of providing any such insurance through an existing policy or a policy independently obtained and paid for by you. We may, for reasonable cause before credit is extended, refuse to accept any insurance which you offer to provide. You agree to provide us with written evidence that the required insurance coverage is in force at all times. You agree that you will bear at all times the risk of loss or damage to the Collateral. Your promises under this Note will not be affected in any way by any such loss or damage. Any insurance proceeds paid to us will reduce your outstanding balance under this Note. You assign to us any proceeds not in excess of the unpaid balance of this Note which may become payable under insurance policies insuring the Collateral, including the return of unearned premiums. You will direct any insurance company to mail payments directly to us to be applied to the unpaid balance of this Note. You appoint us as your attorney-in-fact to endorse any instrument or draft payable to you. LENDER'S RIGHTS FOLLOWING INSURANCE LAPSE. If you ever fail to maintain the insurance that is required under this Note against loss of or damage to the Collateral, we may, at our election, declare the balance of the Note immediately due and payable and exercise any of our rights. Our rights include repossession of the Collateral. LENDER'S REMEDIES FOLLOWING DEFAULT. If you are in default, at our election, the full unpaid amount of the indebtedness owing under this Note, including all interest and charges, will immediately become due and payable, subject to any notice and right to cure required by applicable law. Upon default and acceleration, we will then have the remedies of a secured party under the Uniform Commercial Code of Oklahoma. These remedies include the right to take possession of the Collateral, including any equipment or accessories thereto, without legal process and without demand. We also may require you to assemble and make the Collateral available to us at a place to be designated by us that is reasonably convenient to both parties. We may take possession of any other property contained in any Collateral described herein at the time of repossession. If we do so, we will hold the property temporarily for you without any responsibility or liability on our part, with the exception of gross negligence or willful misconduct. You agree to send notice by registered mail to us within ten (10) days after any repossession by us of the Collateral if you claim that any property not included as Collateral herein was contained in the Collateral at the time of repossession. Failure to provide us with this notice is a waiver of and bar to any subsequent claim for the property. DISPOSITION OF COLLATERAL FOLLOWING REPOSSESSION. Upon your return of the Collateral to us or our repossession of it, we will have the remedies provided by Oklahoma and/or federal law. The proceeds of any sale or other disposition of the Collateral will be applied, except as otherwise required by law: (1) to the actual and reasonable costs of the sale; (2) to the actual and reasonable costs of retaking, preparing for sale, and storage of the Collateral; and (3) to any amounts you owe under this Note, including permitted charges, court costs, and our reasonable attorney’s fees of an attorney who is not our salaried employee and not to exceed 15% of the amount of the unpaid debt, each to the extent permitted by law. Any remaining proceeds will be paid to you, except as otherwise provided by law. You will be liable for any deficiency. Unless the Collateral is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market, if required by applicable law, we will give you reasonable notice of the time and place of any public sale of the Collateral or of the time after which any private sale or any intended disposition of the Collateral is to be made. You agree that disposition of Collateral at regularly held public auctions, private dealer-only auctions, or other regularly held restricted-entry auctions is a commercially reasonable manner of disposition. You recognize and agree that sale or disposition may be by other means, public or private, at our discretion, as permitted by the Uniform Commercial Code of Oklahoma or other applicable law. Further, if prior notice to you of a sale or intended disposition of the Collateral is required, then you agree that such notice, in the statutorily suggested form and sent by regular first class mail, registered mail, or certified mail to your address as listed on this Note or, if you have provided us with an authenticated change of address, to the last authenticated change of address we received prior to the notification date, will be commercially reasonable notice if sent at least ten (10) days prior to disposition. You recognize and agree that the sale or disposition of Collateral made with such disclaimer or warranties as is permitted by the Uniform Commercial Code of Oklahoma, or other applicable law, is commercially reasonable. We may become the purchaser of the Collateral at any sale of the Collateral. In the case of a deficiency, you will pay the deficiency with interest at the Post-Maturity Interest Rate, not to exceed the highest rate allowed by applicable law. ATTORNEYS’ FEES AND COLLECTION COSTS. If we refer the collection of this Note to any attorney who is not our salaried employee, you agree to pay reasonable attorney’s fees not to exceed 15% of the amount of the unpaid debt, to the full extent permitted by law. You also agree to pay court costs and other collection costs that we incur in obtaining a judgment for amounts owed under this Note and that we incur in otherwise collecting on this Note, to the full extent permitted by law. ASSIGNMENT AND AMENDMENT. You agree that we may transfer, assign, or sell this Note and that all terms and conditions set forth in the Note for our benefit will inure to the benefit and operate in favor of such purchasers, assignees, or successors. You may not assign this Note without our written consent. Your obligations under this Note will be binding upon your heirs, personal representatives, and permitted assigns. No amendment of this Note will be valid unless it expressly states that it is an amendment to this Note and is signed by both us and you. LAW THAT APPLIES. Oklahoma law and federal law, as applicable, govern this Note. WAIVER AND RELEASE. We can waive or delay enforcing any of our rights without losing them. We can waive or delay enforcing a right against one of you (if more than one Borrower signs this Note) without losing it as to the other. We can release one of you (if more than one Borrower signs this Note) without releasing the other. MISCELLANEOUS. If allowed by applicable law, you consent to extensions of time without notice. The singular used herein will include the plural. You will notify us immediately if you change your address. If any provision of this Note cannot be enforced, the rest of the Note will stay in effect. The Federal Truth in Lending Act disclosures shown on page 1 of this Note are also terms and conditions of this Note. 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 HEREUNDER. The preceding notice applies only when the proceeds of this loan are used to purchase goods or services for personal, family, or household use from a seller who (1) refers consumers to us, or (2) is affiliated with us by common control, contract, or business arrangement. [The remainder of this page is intentionally left blank.] ARBITRATION AGREEMENT. Read this Arbitration Agreement carefully. The Arbitration Agreement will have a substantial impact on the way you and we resolve any dispute which you or we have against each other now or in the future, if you do not reject it. Instead of litigation in a court, if any Dispute (as defined below in the section captioned “Types of Claims Covered”) arises between the parties, you and we will resolve the Dispute by binding arbitration if either party elects arbitration. IF YOU OR WE ELECT TO ARBITRATE A DISPUTE, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT DISPUTE IN COURT OR HAVE A JURY DECIDE THE DISPUTE. ALSO, YOUR AND OUR ABILITY TO OBTAIN INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. Types of Claims Covered. “Dispute” shall have the broadest meaning possible. It includes any claim, dispute, or controversy between you (which shall include any co-signers under this Note) and us that in any way arises from or relates to the loan, the Collateral, this Note, or the relationships resulting from any of the foregoing. This includes disputes arising from actions or omissions on or prior to the date of this Note. As solely used in this Arbitration Agreement, the terms “we,” “us,” and “our” mean any of the following: (1) the Lender; (2) any subsequent holder of this Note; and (3) each of their parent companies; wholly or majority-owned subsidiaries; affiliates; commonly-owned companies; successors; assigns; and any of these entities’ employees, officers, directors, and agents. For purposes of this Arbitration Agreement, these terms also mean any third party providing any goods and services in connection with the origination, servicing, and collection of the loan, this Note, or the Collateral, if you name that third party and us as defendants in a single proceeding. Dispute includes initial claims, counterclaims, cross-claims, and third-party claims. It includes disputes based upon contract, negligence, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law, equity (including any claim for injunctive or declaratory relief). “Dispute” does not include disputes about the validity, enforceability, coverage, or scope of this Arbitration Agreement or any part thereof (including, without limitation, this sentence, the section captioned “Class Action Waiver,” or the last sentence of the section captioned “Severability”); all such disputes are for a court and not an arbitrator to decide. However, any dispute or argument that concerns the validity or enforceability of the Note as a whole is for the arbitrator, not a court, to decide. Choosing the Arbitration Organization. Any Dispute shall be decided before one of the following (“the arbitration organization”): American Arbitration Association (https://www.adr.org/) (“AAA”); JAMS (https://www.jamsadr.com/); or another arbitration organization selected by mutual agreement of the parties. If AAA and JAMS cannot or will not serve, and the parties are unable to select an arbitration organization by mutual consent, the arbitration organization will be selected by a court. The party asserting the Dispute may select the arbitration organization. Notwithstanding any language in this Arbitration Agreement to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any arbitration organization that has in place a formal or informal policy that purports to override the Class Action Waiver below. Any arbitration under this Arbitration Agreement shall be conducted under the then current arbitration rules for the arbitration organization selected. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any claim later asserted by a party in that or any related or unrelated lawsuit (including a claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Agreement. Costs and Location of Arbitration. Each arbitration organization charges fees to administer an arbitration proceeding. The arbitrator also charges fees. This includes fees not charged by a court. If either you or we require a Dispute to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by the arbitration organization and/or the arbitrator or that you believe those fees are too high. If your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the arbitration organization and/or arbitrator. The fee schedule provided in the rules for consumer disputes by the particular arbitration organization, if any, will apply. Also, we will bear any fees and costs if applicable law requires us to do so or if doing so is necessary to ensure that the Arbitration Agreement is enforceable. The arbitration hearing shall be conducted in the federal district in which you reside, or at some other place you request, if we agree. Class Action Waiver. IF YOU OR WE ELECT TO ARBITRATE A DISPUTE: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT, OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) DISPUTES BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH DISPUTES BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY ARBITRATION. Arbitration Result and Right to Appeal. The parties agree: (1) that once one of the parties has elected to arbitrate, binding arbitration is the exclusive method for resolving any and all Disputes; and (2) that by entering into this Arbitration Agreement, the parties are waiving their right to a jury trial and their right to bring or participate in any class action in court or through arbitration. The arbitrator shall be an attorney or retired judge. The arbitrator shall apply and be bound by governing state or federal law when making an award. The arbitrator shall award only the damages or other relief permitted by applicable state or federal law for an individual claim. The parties acknowledge and agree that the Federal Arbitration Act (“FAA”) shall govern any arbitration under this Arbitration Agreement notwithstanding any election of other governing law in the Note. At the request of either party, the arbitrator shall prepare a written decision stating reasoned findings of fact and conclusions of law. A party may enter judgment on the award in any court of competent jurisdiction. The arbitrator’s award shall be final and binding on all parties, except that if the amount of the Dispute exceeds $25,000, all parties may appeal the arbitrator’s award if it and as provided by the rules of the arbitration organization. Notwithstanding any language in this Arbitration Agreement to the contrary, the parties maintain all rights to appeal provided by the FAA. Small Claims. Notwithstanding any other provision of this Arbitration Agreement to the contrary, the parties retain the right to seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction. In the event that such a claim is later amended to seek class relief, is removed or appealed to another court, or a larger amount is sought, the parties shall at such time be permitted to require arbitration. Severability. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this Arbitration Agreement, this Note or any other agreement entered into by you with us, except that the parties acknowledge that the Class Action Waiver is material and essential to the arbitration of any disputes between them and is non-severable from this Arbitration Agreement. If the Class Action Waiver is limited, voided or found unenforceable, then this Arbitration Agreement (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be arbitrated. Binding Effect of Arbitration Agreement. This Arbitration Agreement becomes part of all documents that evidence the transactions between you and us. This Arbitration Agreement is binding upon and benefits you, your respective heirs, successors, and assigns. This Arbitration Agreement also is binding upon and benefits us. In the event that we assign the Note or other related contract to any other party, such assignee shall have all of our rights under this Arbitration Agreement. This Arbitration Agreement shall survive any satisfaction, revocation, or termination of the Note and/or any other related agreement and any bankruptcy by you (to the extent permitted by applicable bankruptcy law). In the event of a conflict or inconsistency between this Arbitration Agreement, on the one hand, and the applicable arbitration rules or the terms of this Note, on the other hand, this Arbitration Agreement shall govern. Right to Reject Arbitration Agreement. You may opt out of this Arbitration Agreement by sending a written notice to us of your election to opt out. Such notice, to be effective, must be sent to us at Regional Finance Company of Oklahoma, LLC, Attn: Legal Department, 979 Batesville Road, Suite B, Greer, SC 29651. You must send this notice by certified mail, and it must be received by us not later than 45 days after the date of the Note. Rejecting this Arbitration Agreement will not affect any other provision of this Note. [The remainder of this page is intentionally left blank.] TELEPHONE AND ELECTRONIC COMMUNICATIONS. By providing us with your telephone number(s), you give us and our agents and assignees permission to call you and to send you text messages on such number(s) with information about your account(s) and your transactions with us. You also give us permission to communicate such information to you via electronic mail. You further agree that we may monitor and record telephone calls regarding your account to assure the quality of our service. We may make telephone calls and send text messages manually or we may use automated telephone dialing systems, text messaging systems, and electronic mail to provide messages to you about payment due dates, missed payments, and other important information. The telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else; and may include pre-recorded messages. These messages may also be recorded by your answering machine. You promise that, unless you indicate otherwise, you own or customarily use the telephone numbers and email addresses that you give us. You also promise to notify us if you discontinue use of any telephone number or email address that you give us. You agree that we will not be liable to you for any calls, text messages, or electronic communications, even if information is communicated to an unintended recipient. You understand that, when you receive such calls, text messages, or electronic communications, you may incur a charge from the company that provides you with telecommunications, wireless, and/or Internet services. Your consent to receiving calls, text messages, and other electronic communications from us and our agents or assignees covers all formats of communication, including calls, text messages, and electronic mail, even if they result in a charge to you. You agree that we have no liability for such charges. You acknowledge that this consent forms part of a bargained-for exchange. CREDIT REPORTING; IDENTITY THEFT. You understand that we may report information about your account to the credit bureaus and that late payments, missed payments, or other defaults on your account may be reflected in your credit report. You authorize us to make periodic inquiries about you from any credit reporting agency and to obtain a copy of your credit report while any balance of this loan is outstanding. If you believe that we have furnished any inaccurate information about your performance under this Note to a consumer reporting agency, or if you believe that you have been the victim of identity theft, write to us at Regional Finance Company of Oklahoma, LLC, 979 Batesville Road, Suite B, Greer, SC 29651. In your letter: (1) provide your name and the date of this Note; (2) identify the specific information that is being disputed; (3) explain the basis for the dispute; and (4) provide any supporting documentation you have that substantiates the basis of the dispute. If you believe that you have been the victim of identity theft, submit an identity theft affidavit or identity theft report. BORROWERS COVERED BY THE MILITARY LENDING ACT. Notwithstanding any other provision of this Note, if you are a "covered borrower" under the Military Lending Act, as defined in 32 CFR § 232.3(g), the Arbitration Agreement included in this Note shall not apply to you. Furthermore, nothing in this Note shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act and regulations promulgated thereunder. You, the undersigned Borrower(s), do hereby acknowledge that you were given the opportunity to review and keep a copy of this Promissory Note and Security Agreement, including the Arbitration Agreement. You acknowledge the receipt of the proceeds of the loan as stated above. You acknowledge that at the time you were presented with a copy of this Promissory Note and Security Agreement, including the Arbitration Agreement, such forms were complete and that all blanks in such forms were filled in prior to you executing the same. You understand that this Note will constitute the entire agreement between you and us. You acknowledge that this Note represents a legally binding contract with us. CAUTION: THIS IS A LOAN. IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS NOTE, INCLUDING THE ARBITRATION AGREEMENT, BEFORE YOU SIGN IT. THE TERMS AND CONDITIONS ON ALL PAGES OF THIS NOTE, INCLUDING THE ARBITRATION AGREEMENT, ARE PART OF THIS NOTE. READ THESE TERMS AND CONDITIONS BEFORE SIGNING BELOW. WITNESS THE HANDS AND SEALS OF THE FOLLOWING PERSON(S): Gabriela Decker Witness [The remainder of this page is intentionally left blank.] EXHIBIT A TO PROMISSORY NOTE AND SECURITY AGREEMENT Name and Address of Borrower: JAMI RAMOS 19 RIDGECREST DR CHICKASHA OK 73018-6241 Date: 04/13/2022 Account Number: 022000913163 Prior Account Number (if any): 112000422135 Name and Address of Co-Borrower: This document is Exhibit A to the Promissory Note and Security Agreement (the “Note”), dated as of even date herewith, between Regional Finance Company of Oklahoma, LLC and the Borrower(s) identified above. This Exhibit A is incorporated into and made part of the Note. The words “you,” “your,” and “yours” refer to the Borrower(s). The words “we,” “us,” “our,” and “Lender” refer to Regional Finance Company of Oklahoma, LLC. DESCRIPTION OF PROPERTY GIVEN AS SECURITY. To secure the Note, you grant us a security interest under the Uniform Commercial Code of Oklahoma in: (1) the property described in the table below; (2) anything that becomes attached to such property; and (3) in all proceeds of such property. You acknowledge that you are the sole owner of the property described below, that the property is fully paid for, free of any liens and encumbrances, and that it is located at the address(es) shown above. You will not permanently remove the property from the address(es) set forth above or otherwise dispose of the property without our written consent or until the Note is satisfied in full. <table> <tr> <th>Quantity</th> <th>Item and Description</th> <th>Value</th> <th>Quantity</th> <th>Item and Description</th> <th>Value</th> </tr> <tr> <td>1</td> <td>Television (Excess Of 1): 52" PHILLIPS SMART TV</td> <td>$800.00</td> <td></td> <td></td> <td></td> </tr> <tr> <td>1</td> <td>Laptop Computer: CHROMEBOOK</td> <td>$500.00</td> <td></td> <td></td> <td></td> </tr> <tr> <td>1</td> <td>Table/radial saw and blades: KINODE</td> <td>$300.00</td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> </table> TOTAL VALUE OF PROPERTY. The total value of the property listed above is $1,600.00. EXCLUSIONS. In accordance with the Federal Trade Commission Credit Practices Rule, you understand that we will not accept, and we specifically exclude, a security interest in the following items, unless we have a purchase money security interest in them: clothing; furniture; appliances; one radio and one television; linens; china; crockery; kitchenware; personal effects (including wedding rings); sewing machines; vacuum cleaners; telephones; telephone answering machines; fans; air conditioners; washers; dryers; refrigerators; freezers; floor polishers; patio furniture; family photographs; personal papers; family bibles; mirrors and clocks; and microwaves of the Borrower(s) and his/her/their dependents. If any item that you purport to give as Collateral in the table above falls within this list of excluded items and we do not have a purchase money security interest in the item, then this preprinted exclusion will supersede the inclusion of the item typed or written in the table above, and we will not take a security interest in any such excluded item. DocuSigned by: [Signature] [3DF18C1146874A9...] Witness Witness Borrower DocuSigned by: [JAMI RAMOS] [D154B09D04B0836] (SEAL) Co-Borrower [The remainder of this page is intentionally left blank.] This document is subject to a security interest in favor of Wells Fargo Bank, National Association, as Agent. EXHIBIT 2 STATEMENT OF ACCOUNT ACTIVITY Consumer Information as of 10/08/2025 JAMI RAMOS 19 RIDGECREST DR CHICKASHA, OK 73018 Debt Description: REGIONAL FINANCE OK ACCOUNT NUMBER [REDACTED] 3163 DATE ACCOUNT OPENED: 04/13/2022 DATE ACCOUNT CHARGED OFF: 02/22/2023 <table> <tr> <th>Post Date</th> <th>Transaction Amount</th> <th>Transaction Description</th> </tr> <tr> <td>04/13/2022</td> <td>-1324.06</td> <td>Principal Advance (RemBal: 1324.06)</td> </tr> <tr> <td>04/13/2022</td> <td>1324.06</td> <td>Reverse Principal Advance (RemBal: 0)</td> </tr> <tr> <td>04/13/2022</td> <td>-1324.06</td> <td>Renewal - Principal Advance (RemBal: 1324.06)</td> </tr> <tr> <td>05/13/2022</td> <td>55.79</td> <td>Principal Payment (RemBal: 1268.27)</td> </tr> <tr> <td>06/13/2022</td> <td>57.88</td> <td>Principal Payment (RemBal: 1210.39)</td> </tr> <tr> <td>07/13/2022</td> <td>59.97</td> <td>Principal Payment (RemBal: 1150.42)</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 2023-04-21 EXHIBIT 3 BILL OF SALE AND ASSIGNMENT OF ACCOUNTS Credit Recovery Associates, Inc. ("CRA"), Regional Finance Corporation of South Carolina ("RFCSC"), Regional Finance Corporation of Texas ("RFCTX"), Regional Finance Corporation of North Carolina ("RFCNC"), Regional Finance Corporation of Tennessee ("RFCTN"), Regional Finance Corporation of Alabama ("RFCAL"), Regional Finance Corporation of Georgia ("RFCGA"), Regional Finance Company of Georgia, LLC ("RFCGALLC"), Regional Finance Company of Oklahoma, LLC ("RFCOK"), Regional Finance Company of New Mexico, LLC ("RFCNM"), Regional Finance Company of Virginia, LLC ("RFCVA"), Regional Finance Company of Missouri, LLC ("RFCMO"), Regional Finance Company of Illinois, LLC ("RFCIL"), Regional Finance Company of Utah, LLC ("RFCUT"), Regional Finance Corporation of Wisconsin ("RFCWI"), Regional Finance Company of Mississippi, LLC ("RFCMS"), Regional Finance Company of California, LLC ("RFCCA"), Regional Finance Company of Indiana, LLC ("RFCIN"), and Regional Finance Company of Louisiana, LLC ("RFCLA") (each of RFCSC, RFCTX, RFCNC, RFCTN, RFCAL, RFCGA, RFCGALLC, RFCOK, RFCNM, RFCVA, RFCMO, RFCIL, RFCUT, RFCWI, RFCMS, RFCCA, RFCIN, and RFCLA are referred to as an “Operating Subsidiary,” and collectively, the “Operating Subsidiaries” and the “Seller”) hereby absolutely sell, transfer, assign, set over and convey to Jefferson Capital Systems, LLC ("Buyer"), without recourse and without representations or warranties, express or implied, of any type, kind or nature, except as set forth in the Agreement (hereinafter defined): (a) all of Seller’s right, title and interest in and to each of the Accounts identified in the Account Schedule attached hereto as Exhibit A (the “Accounts”), and (b) all principal, interest or other proceeds of any kind with respect to the Accounts, but excluding any payments or other consideration received by or on behalf of Seller on or prior to March,31, 2023, with respect to the Accounts. This Bill of Sale is being executed and delivered pursuant to and in accordance with the terms and provisions of that certain Loan Sale Agreement, made and entered into by and between Seller and Buyer, dated July 31, 2020, as amended by that certain First Amendment to Loan Sale Agreement, dated May 28, 2021, as amended by that certain Second Amendment to Loan Sale Agreement, dated March 2, 2022, as amended by that certain Third Amendment to Loan Sale Agreement, dated November 22, 2022 (as amended, restated, or otherwise modified from time to time, the “Agreement”). The Accounts are defined and described in the Agreement and are being conveyed hereby subject to the terms, conditions and provisions set forth in the Agreement. This Bill of Sale shall be governed by the laws of the State of South Carolina without regard to the conflicts-of-laws rules thereof. [signature page follows] IN WITNESS WHEREOF, the Seller hereto has executed this Bill of Sale and Assignment of Accounts as of this 21st day of April, 2023. SELLER: Credit Recovery Associates, Inc. Regional Finance Corporation of South Carolina Regional Finance Corporation of Texas Regional Finance Corporation of North Carolina Regional Finance Corporation of Tennessee Regional Finance Corporation of Alabama Regional Finance Corporation of Georgia Regional Finance Company of Georgia, LLC Regional Finance Company of Oklahoma, LLC Regional Finance Company of New Mexico, LLC Regional Finance Company of Virginia, LLC Regional Finance Company of Missouri, LLC Regional Finance Company of Illinois, LLC Regional Finance Company of Utah, LLC Regional Finance Corporation of Wisconsin Regional Finance Company of Mississippi, LLC Regional Finance Company of California, LLC Regional Finance Company of Indiana, LLC Regional Finance Company of Louisiana, LLC [signature] Name: Catherine Atwood Title: SVP and General Counsel STATE OF SOUTH CAROLINA COUNTY OF GREENVILLE On April 21, 2023, before me the undersigned officer, personally appeared Catherine Atwood, who acknowledged herself to be the SVP and General Counsel of each of Credit Recovery Associates, Inc., Regional Finance Corporation of South Carolina, Regional Finance Corporation of Texas, Regional Finance Corporation of North Carolina, Regional Finance Corporation of Tennessee, Regional Finance Corporation of Alabama, Regional Finance Corporation of Wisconsin, Regional Finance Corporation of Georgia, Regional Finance Company of Georgia, LLC, Regional Finance Company of Oklahoma, LLC, Regional Finance Company of New Mexico, LLC, Regional Finance Company of Missouri, LLC, Regional Finance Company of Virginia, LLC, Regional Finance Company of Illinois, LLC, and Regional Finance Company of Utah, LLC, Regional Finance Company of Mississippi, LLC, Regional Finance Company of California, LLC, Regional Finance Company of Indiana, LLC, Regional Finance Company of Louisiana, LLC signer and sealer of the foregoing instrument, and that she as such officer, being authorized so to do, acknowledged the execution of the same to be her free act and deed as such officer and the free act and deed of said corporations. IN WITNESS WHEREOF, I hereunto set my hand. [signature] Notary Public <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> <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>JAMI RAMOS</td> <td>XXXXXXXXXXXXX3163</td> <td>XXXXXXXXXXXXX3163</td> <td>XXXXXXXXXXXXXX</td> <td>4/13/2022</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>[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. <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>$1,150.42</td> <td>7/13/2022</td> <td>$93.42</td> </tr> <tr> <td>2/22/2023</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> </table> <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> </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.