JEFFERSON CAPITAL SYSTEMS LLC v. THOMAS MULLINS

IN THE DISTRICT COURT OF WAGONER COUNTY STATE OF OKLAHOMA JEFFERSON CAPITAL SYSTEMS LLC, Plaintiff, vs. THOMAS MULLINS Defendant(s). Case No. CS-2026-0263 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 XXXXXXXXX1507. 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 10/24/24, the balance due at time of default is as follows $1,510.64. 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 $1,510.64. 7. The date of the last payment made by the Defendant(s) is September 12, 2024. 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), THOMAS MULLINS in the amount of $1,510.64, 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: 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 Loan Agreement BORROWER Thomas Mullins 26690 East 81st Street South, Broken Arrow, OK 74014 LENDER Celtic Bank 268 S. State Street Ste. 300 Salt Lake City, UT 84111 LOAN ORIGINATION DATE 2024-02-25 $2,265.95 THIS AGREEMENT INCLUDES AN ARBITRATION PROVISION IN SECTION 31. IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE UNLESS YOU: (1) OPT OUT PROPERLY IN ACCORDANCE WITH SECTION 31; OR (2) ARE PROTECTED BY THE MILITARY LENDING ACT. FOR EXAMPLE, IF THE LOAN HOLDER ELECTS TO REQUIRE YOU TO ARBITRATE ANY CLAIM, YOU WILL NOT HAVE THE RIGHT TO A JURY TRIAL OR THE RIGHT TO PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION. 1. Introduction. This Loan Agreement ("Agreement") outlines the terms and conditions under which a loan will be issued. The parties (each, a "Party" and collectively, "Parties") to this Agreement are you and Celtic Bank ("Celtic Bank" or “Lender”). "You" and "your" means the borrower under this Agreement. The term "merchant" shall mean the third-party person or company who will be providing and/or delivering merchandise or goods/services to you. Additionally, for purposes of this Agreement, the terms "Amount Financed" and "Finance Charge" shall mean the Amount Financed and Finance Charge specified in the accompanying Truth in Lending Disclosure. 2. Promise to Pay. In return for a loan that you have received from Celtic Bank, you promise to pay U.S. $2,265.95 (the "Principal Amount") plus any Finance Charge. You understand that your loan and this Agreement may be assigned. Celtic Bank or any person to whom your loan and this Agreement is assigned to is called "the Loan Holder" in this Agreement. 3. Loan Proceeds. You agree that all loan proceeds will be used to fund the purchase of goods or services in a single transaction with a company from which you are purchasing goods or services (the “Merchant”). You agree, and that you will not use any of the loan proceeds to fund any illegal activity or to purchase or carry any securities. If you are making a downpayment at the time of the transaction, that payment is separate from the loan, and the principal sum of this Agreement will be less than the full amount paid to the Merchant in the purchase transaction. Except as otherwise provided in this Agreement, the Loan Holder is not responsible or liable to you for the quality, safety, legality, or any other aspect of any property or services purchased with the proceeds of your loan. If you have a dispute with any person or entity from whom you have purchased such property or services, you agree to try to settle the dispute directly with that person or entity. 4. Term. The term of your loan begins 2024-02-25 and ends 2024-11-25, except as set forth in Section 7. You will pay all amounts outstanding on your loan no later than the end of the scheduled term. with 12 months, each of which is 30 days long, regardless of whether a month has more or less than 30 days. This is a simple interest loan, which means that interest accrues daily on the unpaid principal balance until you pay the loan in full. 6. Downpayments. For the purchase of certain merchandise and goods/services, you may be required to make an immediate, one-time downpayment in order to complete your purchase transaction. In the event that Loan Holder does not receive payment of a downpayment required in connection with your transaction, you agree to arrange for immediate repayment of such downpayment to Loan Holder and further understand that the downpayment may be added to the total amount financed such that interest will accrue on it until repaid. In the event of such downpayment non-payment, Loan Holder reserves the right to cancel this Agreement, to instruct the Merchant to cancel your purchase transaction, and to collect on any amounts due, reserving all rights and remedies. If you return and/or cancel any goods and/or services that have been purchased with the proceeds of this loan and you made a downpayment in connection with such purchase, you agree that, unless prohibited by applicable law, the full amount of any refund may be applied first to the financed amount before any of the downpayment is returned. 7. Monthly Payments. Your loan requires you to make minimum monthly payments of principal and interest in an amount sufficient to pay off your Principal Amount and accrued interest by the end of the loan term. You will pay your loan in 9 monthly payments of $251.77 each. Your first monthly payment is due on 2024-03-25. Your remaining monthly payments will be due on the same numerical day each calendar month as the numerical day of your first monthly payment, except that if the monthly anniversary is on the 29th, 30th, or 31st of the month, and the following month does not have a 29th, 30th, or 31st day, the monthly payment will be due on the last day of the month in which the payment was due. The last payment might be of a slightly different amount to allow for rounding. 8. Application of Payments, Underpayments and Overpayments. Payments are allocated first to interest, and then to principal. A prepayment will be applied to no more than the single next scheduled monthly installment, with any remainder applied against the principal amount outstanding, and does not postpone the due date of subsequent monthly installments. Underpayment: If an early payment is less than the amount of the next scheduled installment, then you must pay the difference on or before the corresponding installment due date. Overpayment: Making an installment payment in excess of what is due may reduce the total amount of interest you are scheduled to pay under this Agreement, and may reduce the number and/or amount of and your remaining payments (starting with your last payment and working backwards). However, you cannot rely on an excess payment made on or before one installment due date to satisfy the installment obligation associated with the next installment due date unless the loan is paid in full. Multiple payments in one installment period: After making a complete installment payment (in one or multiple submissions) any subsequent payment not applied to the previous installment will be applied to the subsequent installment due. For example, if you have a twelve (12) month installment loan and, on your second installment due date, you make one payment of double the amount due, you will still owe a regular installment payment on your third due date (however, that extra payment may reduce the amount of interest you pay and may reduce or eliminate your twelfth installment payment). Alternatively, if you submit one complete installment payment before your second installment is due, and then submit an additional complete installment payment the same day, that second payment will be applied to your third installment. 9. Late Pavment Fee. 10. Payment Methods. All payments on this Agreement are to be made in immediately available lawful money of the United States. You will make payments by automatic debit from your Debit Card, by check, or by Automated Clearing House ("ACH"). Unless you elect otherwise, you authorize Loan Holder to debit your designated payment method for the amount due on each due date. This authorization does not affect your obligations to pay when due all amounts payable under this Note, whether or not there are sufficient funds therefore in such accounts. The foregoing authorization is in addition to, and not in limitation of, any rights of setoff Loan Holder may have. With regard to payments made by automatic withdrawal, you have the right to stop payment of automatic withdrawals or revoke your prior authorization for automatic withdrawals by notifying your financial institution at least three (3) banking days before the scheduled date of transfer. You agree to notify Loan Holder of the exercise of your right to stop a payment or revoke your authorization for automatic withdrawals at least three (3) banking days before the scheduled date of transfer. If you wish to pay by check and unless you are notified otherwise, you will send checks to Loan Holder, c/o Uplift, Inc., 5301 Kietzke Lane, Suite 200, Reno, NV 89511, Attention: Payment Processing Department. If you elect to make a payment by check, you understand your check must be made payable to Uplift, Inc. When paying by check, you will send a separate check for each loan you intend to make a payment for and will include the loan ID in the memo line of the check to indicate which loan it should be applied towards. You understand that if the payment you submit does not meet these requirements, it may not be processed, may be processed late, or may be processed as Uplift deems appropriate. 11. Returned/Unsuccessful Payment(s). If you attempt to make a loan payment, whether by automated withdrawal from an account designated by you or by other means, and the loan payment is unsuccessful or returned for any reason, we will not charge you any fees. However, you understand that your financial or banking institution may charge you a fee for a returned or unsuccessful loan payment. We will not be held responsible for any fees assessed by your financial or banking institution for returned or unsuccessful loan payments. 12. Prepayment. You may prepay your loan in full or in part at any time without penalty. Prepayments will be applied to your loan as set forth in Section 8. You are entitled to a refund of any amounts you may pay to the Loan Holder in excess of the remaining principal balance and accrued interest as of the date of prepayment. Notwithstanding the foregoing, you agree that the Loan Holder may set off any amounts you are entitled to against any amounts you owe the Loan Holder on any other loan or otherwise. 13. Reductions, Refunds, Return of Goods, and Cancellation of Services. In the event that the Merchant requests payment for less than your loan amount, the difference will be treated as a reduction in the loan principal. You will not pay interest on that amount, and your scheduled monthly payment amount will not change until the loan is paid off. The amount of the reduction may result in fewer payments or a reduced final payment. If any goods and/or services that have been purchased with the proceeds of this loan are returned or canceled, you understand and agree that you are not entitled to receive any cash refund from the merchant from whom you purchased such goods and/or services. Instead, you authorize the merchant to issue any such refund directly to the Loan Holder on your behalf. Any amounts received by the Loan Holder pursuant to this section will be applied to your account as of the date of receipt of such amounts by the Loan Holder. In the event a refund is issued to your account, you agree that it will be applied to your outstanding principal balance, to the extent permitted by applicable law, and will generally not change the amount of your upcoming monthly payments, although it may reduce or eliminate monthly payments due at or immediately before your originally scheduled maturity date. interest that may have already accrued on an amount that later gets refunded. All returns and/or cancellations are subject to the merchant’s return policies in effect as of the date of your purchase, which may include a restocking fee. You acknowledge that you have reviewed the merchant’s return policy, and that the merchant is not a party to this Agreement. 14. Failure to Pay as Required. a. Default. If you do not pay the full amount of each monthly payment on or before the date it is due, you will be in default. b. Notice of Default. If you are in default, the Loan Holder may, subject to applicable law, send you a notice telling you that if you do not pay the overdue amount by a certain date, the Loan Holder may require you to pay immediately the full amount of your loan, including any accrued interest. c. No Waiver by the Loan Holder. Even if, at a time when you are in default, the Loan Holder does not require you to pay immediately in full as provided in Section 15(b), the Loan Holder will still have the right to do so if you are in default at a later time. d. Payment of the Loan Holder's Costs and Expenses. If the Loan Holder has required you to pay immediately in full as described above, the Loan Holder will have the right to be paid back by you for all of its costs and expenses in enforcing this Agreement to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees, to the extent permitted by law. e. Purchase Cancellation. You agree that should you default on this loan as defined in this Agreement below, to the extent allowed by law, LOAN HOLDER RESERVES THE RIGHT TO INFORM THE MERCHANT OF YOUR DEFAULT ON THIS LOAN AND THE MERCHANT AND LOAN HOLDER EACH INDIVIDUALLY RETAIN THE RIGHT TO CANCEL THE DELIVERY OF ANY UNUSED SERVICE FOR WHICH THE PROCEEDS OF THIS LOAN WERE INTENDED. Should such cancellation of service take place, any refund granted by Merchant from which your purchase was made will be treated as a loan payment applied first to the principal due. Any funds refunded in excess of interest or principal due will then be credited to Borrower. In the event that no refund is received or if the refund received by the Loan Holder is not sufficient to pay Borrower's loan in full, Borrower will continue to be responsible for scheduled loan payments until the loan is paid in full. f. Iowa residents. For Iowa residents, Borrower will be in default under this Agreement if, after receiving notice, as required by law, regarding Borrower’s failure to perform and right to cure, Borrower fails to cure such failure to perform to Loan Holder’s reasonable satisfaction within twenty (20) days after receiving notice from Loan Holder of your failure to: 1. make any payment under this Agreement within 10 days of the date such payment is due; or 2. observe any other requirement of this Agreement, breach of which materially impairs the condition, value or protection of or Loan Holder’s right in any collateral securing the transaction, or materially impairs your prospect to pay amounts due. 15. Collection. You agree that if you fail to pay any amount owed on the loan then the Loan Holder may engage in collection efforts to recover those amounts. These collection efforts may involve contacting you directly, submitting your information to a collection agency, or taking legal action and the Loan Holder will have the right to be paid back by you for all of its costs and expenses in enforcing this Agreement to the extent not prohibited by applicable law. Those expenses include, for example, reasonable attorneys' fees, to the extent permitted by law. 16. Credit Reports and Monitoring. obligations under this Agreement are satisfied. The Loan Holder or its representative may report information about your loan to the credit bureaus. Late payments, missed payments or other defaults on your loan may be reflected in your credit report and may impact your credit score (e.g. FICO score). 17. Credit Bureau Disputes. If you believe that any information about your loan that the Loan Holder or its representative has furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in connection with any loan made by Celtic Bank in connection with this Agreement, you may write to Loan Holder c/o Uplift, Inc., Attn: Credit Bureau Disputes, 5301 Kietzke Lane, Suite 200, Reno, NV 89511. In your letter, you will: (i) provide your name and loan number, (ii) identify the specific information that you are disputing, (iii) explain the basis for the dispute; and (iv) 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, you may submit an identity theft affidavit or identity theft report. 18. Verification. You authorize the Loan Holder or its representative to verify the information you provided in connection with your application. You understand that the Loan Holder or its representative may require additional identity verification/validation information from you directly at any time while your loan obligations under this Agreement exist. You give the Loan Holder or its representative consent to obtain information about you from a consumer reporting agency and other sources at any time you have repayment obligations under this Agreement. 19. Partial Payments Marked Payment in Full; Settlements. You understand that any check or other payment you send the Loan Holder for less than the total outstanding balance due under this Agreement that is marked "payment in full" or with any similar language or that you otherwise tender as full satisfaction of a disputed amount must be sent to the Loan Holder c/o Uplift, Inc., Attn: Payment of Disputed Amount, 5301 Kietzke Lane, Suite 200, Reno, NV 89511. That amount may be deposited without such a deposit affecting a satisfaction of the disputed amount. A late payment, a partial payment, or a payment marked with any restrictive language may be processed without effect on the terms of this Agreement. Any settlement of your loan for less than what is owed requires the Loan Holder's written agreement. 20. Notices. Unless applicable law requires a different method, any notice that must be given to you under this Agreement may be given, at the Loan Holder's option, electronically, by telephone, in writing by U.S. Mail, or by providing it to you in any other manner, in each instance using the contact information the Loan Holder or its representative has on file for you. To the extent permitted under applicable law, any notice the Loan Holder gives to you will be effective and deemed delivered when sent. You must send notices to the Loan Holder c/o Uplift, Inc., Attention: Pay Monthly Notice, 5301 Kietzke Lane, Suite 200, Reno, NV 89511, unless a different address is later provided to you in writing. To the extent permitted under applicable law, any notice you send to the Loan Holder will not be effective until the Loan Holder receives it and has had a reasonable opportunity to act on such notice. 21. Bankruptcy. You agree to send all bankruptcy notices and related correspondence to the Loan Holder c/o Uplift, Inc., Attention: Bankruptcy Notice, 5301 Kietzke Lane, Suite 200, Reno, NV 89511. You promise that You have no current intent to file any bankruptcy petition and have not consulted a bankruptcy attorney in the past six months. 22. Notices of Change in Circumstances. (including your cell phone number) within fifteen (15) days by writing to the Loan Holder c/o Uplift, Inc., 5301 Kietzke Lane, Suite 200, Reno, NV 89511. You understand the Loan Holder will rely on your cell phone number, mailing and e-mail addresses the Loan Holder has on file for you for any and all communications addressed to you unless or until either you, or, in the case of your mailing address, the U.S. Postal Service, notifies the Loan Holder of a change of address, or the Loan Holder otherwise has reason to know the contact information is no longer valid, and it has had a reasonable opportunity to act on such notice. You agree to cooperate with and participate in any verification process the Loan Holder may require in completing this change, and understand that your failure to do so may prevent your ability to access the account. 23. Contacting You; Phone and Text Messages; Call Recording. You expressly authorize the Loan Holder and its affiliates, agents, contractors, collectors, representatives, assigns and servicers/service providers (collectively, the "Messaging Parties") to contact you using automatic telephone dialing systems, automated dialer systems, artificial or pre-recorded voice message systems, text messaging systems, and automated e-mail systems for any and all purposes arising out of or relating to this Agreement or your loan and in order to provide you with information about this Agreement and your loan, including information about upcoming payment due dates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers (including wireless, landline and VOIP numbers) or e-mail addresses you supply to or use to contact the Messaging Parties in connection with this Agreement, the Messaging Parties' servicing and/or collection of amounts you owe the Messaging Parties or any other matter. You understand that anyone with access to your telephone or e-mail account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or e-mail, you may incur a charge from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging Parties will have no liability for such charges. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. To the extent you have the right under applicable law to revoke this authorization, you agree you may do so, in writing, by contacting the Loan Holder at 5301 Kietzke Lane, Suite 200, Reno, NV 89511. 24. Waivers. You waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Loan Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Loan Holder to give notice to you that amounts due have not been paid. 25. Check Conversion Notification; Electronic Check Re-Presentment. If you provide a check as payment, you authorize the Loan Holder or its representative either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When information from a check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day payment is received, and you will not receive your check back from your financial institution. In the event a check is returned unpaid for insufficient or uncollected funds, the Loan Holder or its representative may re-present the check electronically. If you have questions, you can contact the Loan Holder at (844) 257-5400 (tel:18442575400). In the ordinary course of business, the check will not be provided to you with your bank statement, but a copy can be retrieved by contacting your financial institution. 26. Loan Charges. If a law, which applies to your loan and sets maximum loan charges, is finally interpreted so that the interest or other loan charges collected or to be collected in connection with your loan exceeded or exceeds the permitted limit, then: (a) any such loan charge will be reduced by the amount necessary to reduce the charge to the permitted limit; and Loan Holder's right of set off provided in Section 12. The Loan Holder may choose to make this refund by reducing the amount you owe or by making a direct payment to you. 27. When a Loan Is Made. Lender makes a loan to you and you receive a loan from Lender when Lender pays the merchant the proceeds on your behalf for your purchase of goods or services. After you are approved for a loan and agree to the terms of this Agreement, Lender may decide not to make you a loan for any reason. 28. Assignment. You agree the Loan Holder may sell or otherwise transfer its rights under this Agreement and amounts owed by you at any time. If it does, this Agreement will remain in effect. You may not transfer your rights under this Agreement without the Loan Holder's written permission, which it is not required to give. Any attempt to do so will be void. Your obligations under this Agreement apply to all of your heirs, successors and permitted assigns, if any. The Loan Holder's rights under this Agreement apply to it and each of its successors and assigns. 29. Non-Negotiable Instrument. This Agreement is not a negotiable instrument. 30. Privacy Notice. You acknowledge that you received a copy of Celtic Bank's privacy notice with this Agreement or within the past 12 months. 31. Mandatory Arbitration. THIS SECTION AFFECTS YOUR RIGHTS, PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS. Except as otherwise explicitly provided in this Section, any Loan Holder, and Uplift, Inc. (together with their parent companies, wholly or majority-owned subsidiaries, affiliates, commonly-owned companies, successors, assigns and any of these entities' employees, officers, directors and agents and their successors, assigns and affiliates, the "Transaction Parties") and you can elect to resolve any past, present or future dispute or claim arising from or relating in any way to your loan, this Agreement, or the relationships that result from any of the foregoing, that cannot be resolved directly between you and a Transaction Party, by binding arbitration under the Consumer Arbitration Rules ("the Consumer Rules") of the American Arbitration Association ("AAA"), rather than in court. (For purposes of this Section, the term Transaction Parties also includes any third party providing any goods and/or services in connection with your loan, including the merchant to which your loan proceeds were disbursed, or the origination, servicing and collection of this Agreement, if that third party is named as a defendant along with a Transaction Party in a single proceeding.) Except as otherwise explicitly provided in this Section, this broadly includes: any claims based in contract, statute, tort, fraud, consumer rights, misrepresentation, equity or any other legal theory; initial claims, counterclaims, cross-claims and third-party claims; federal, state and local claims; and claims which arose before the date of this Agreement. The Federal Arbitration Act ("FAA") and federal arbitration law apply to this Agreement. There is no judge or jury in arbitration and court review of an arbitration award is limited, but an arbitrator can award an individual the same damages and relief as a court in an individual case and must apply and follow the terms of this Agreement as a court would. The arbitrator shall apply applicable statutes of limitations and honor privilege rules. Any judgment on the award rendered by the arbitrator will be final and may be entered in any court of competent jurisdiction. YOU UNDERSTAND THAT ABSENT YOUR CONSENT TO ARBITRATION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A TRIAL BY JURY. filing a motion to compel arbitration of claims filed in court. Regardless of who elected arbitration or how arbitration was elected, the party asserting the claim (i.e., the party seeking money damages or other relief from a court or an arbitrator) is responsible for starting the arbitration proceeding. If AAA cannot serve, a court with jurisdiction shall select the arbitrator, who will apply the AAA rules and procedures specified in this Section. Any arbitration will be governed by the then-current Consumer Rules of the AAA ("Consumer Rules"), and its Procedures for the Resolution of Disputes through Document Submission ("Document Submission Procedures"). The Consumer Rules are available at the AAA website: www.adr.org (www.adr.org). The Document Submission Procedures are included in the Consumer Rules. Your arbitration filing fees will be governed by the Consumer Rules. If it is determined by the arbitrator that you cannot afford such fees, a Transaction Party will pay all arbitration fees and expenses. The arbitration will be conducted solely based on written submissions. The arbitration will not require any personal appearance by the parties or witnesses unless the arbitrator determines that a telephonic or in-person conference or hearing is necessary based on the request of one or more of the parties. Disputes or controversies about the validity, enforceability, coverage or scope of this Arbitration Section or any part thereof are for a court and not an arbitrator to decide; however, disputes or controversies about the Agreement as a whole are for an arbitrator and not a court to decide. CLASS ACTION WAIVER: The Transaction Parties and you each agree that any arbitration will be conducted only on an individual basis and not as a class, consolidated or representative action. To the fullest extent permitted by law: (a) no arbitration will be joined or consolidated with any other; (b) there is no right or authority for any dispute to be arbitrated on a class-action or private attorney general basis or to utilize class action procedures; and (c) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. No arbitrator shall have the authority to issue any relief that applies to any person or entity other than Transaction Parties and/or you individually. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. Even if all parties have opted to litigate a claim in court, a party 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 Section. The Transaction Parties and you agree that any disputes seeking to enforce or protect, or concerning the validity of intellectual property rights will not be subject to binding arbitration under this Section. In addition, pursuant to the Consumer Rules, any party may proceed with their individual claims in small claims court if that option is available in the applicable jurisdiction and the amount in controversy falls within the small claims court's jurisdictional limits; but if that action is transferred, removed or appealed to a different court, arbitration can be elected. If any portion of this Arbitration Section is inconsistent with the Consumer Rules or other provisions of this Agreement, this Arbitration Section shall govern. This Arbitration Section shall survive termination of this Agreement, repayment, sale or assignment of the loan, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. No portion of this Arbitration Section may be amended absent a written agreement signed by all parties. If any portion of this Arbitration Section is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Section, except that: (A) If the Class Action Waiver is limited, voided or found unenforceable, then this Arbitration Section (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; and (B) if a claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this Arbitration Section prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such claim (and that determination becomes final after all appeals have been exhausted), the claim for public injunctive relief will be determined in court and any individual claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a claim for public injunctive relief be arbitrated. No arbitration award involving the parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have a preclusive effect in an arbitration between the parties to this Arbitration Section. RIGHT TO OPT OUT: If you do not want this Arbitration Section to apply, you must send the Loan Holder a signed notice within 30 calendar days after you sign the Agreement. You must send the notice in writing (and not electronically) to Loan Holder c/o Uplift. Inc. Attn. "Arbitration Opt Out". 5301 Kietzke Lane. Suite 200. Reno. NV Section. Opting out will not affect the other provisions of this Agreement. If you opt out, it will apply only to this Agreement. 32. Choice of Law and Other Terms. This Agreement is governed by the laws of the United States of America, and, to the extent state law applies, the laws of Utah, regardless of the conflicts of laws principles of any jurisdiction, except where such application is prohibited by applicable law. For Iowa residents, except for matters relating to the Arbitration Agreement and the interest rate and matters material to the determination of the interest rate, which shall be governed by federal law as described above, this Agreement shall be governed by Iowa law. No modification to this Agreement is effective unless made in writing and signed by the Loan Holder and you. Except as provided in Section 32, if any provision of this Agreement is found to be invalid or unenforceable, all other provisions will be enforced and construed as if the invalid provisions were never a part of this Agreement. See Uplift’s Terms of Use, uplift.com/terms, and Privacy Policy, uplift.com/privacy, for additional information. 33. Covered Borrowers under the Military Lending Act. Notwithstanding any other provision of this Agreement, Sections 32 and 33 shall not apply to a "covered borrower" under the Military Lending Act, as defined in 32 C.F.R. § 232.3(g). Furthermore, nothing in this Agreement shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act a. Statement of Military Annual Percentage Rate (MAPR): 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 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). b. Description of the Payment Obligation: Your Agreement requires you to make minimum monthly loan payments. Loan payments are due on the same date each month beginning one month from the date of loan origination. If your due date is the 29th, 30th or 31st, and the current month is shorter, your payment will be on the last day of the month. Additional information regarding your payment schedule can be found on the Truth in Lending Disclosure provided to you when you confirmed your loan. c. To obtain an oral statement regarding the Military Annual Percentage Rate and a description of the payment obligation, covered borrowers may call the following toll-free phone number: (855) 747-7182. LIMITATION OF LIABILITY 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. STATE NOTICES All Borrowers, including California/New York/Rhode Island/Utah/Vermont Residents You give Celtic Bank and its agents, successors, and assigns permission to obtain one or more consumer credit reports from one or more credit reporting agencies in connection with any transaction, or extension of credit, and on an ongoing basis, for the purpose of reviewing the account created by this Agreement, taking collection action on this Agreement, or for any other legitimate purposes associated with this Agreement. Upon your request, you will be informed of whether or not a consumer credit report was ordered. and if it was. vou will be given the name and a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. All Borrowers, Including Maine/Missouri/Nebraska/Oregon/Utah/Washington Residents Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt, including promises to extend or renew such debt, are not enforceable. To protect you (borrower) and Celtic Bank from misunderstanding or disappointment, any agreements Celtic Bank and you reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between Celtic Bank and you, except as we may later agree in writing to modify. All Borrowers, including Kansas Residents NOTICE TO CONSUMER – READ THIS AGREEMENT 1. Do not sign this Agreement before you read it. 2. You are entitled to a copy of this Agreement. 3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law. California Residents A married applicant may apply for a separate account. Borrower is hereby notified that a negative credit report reflecting on Borrower's credit record may be submitted to a credit reporting agency if Borrower fails to fulfill the terms of Borrower's credit obligations. If Lender takes any adverse action as defined by § 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, Borrower has the right to obtain within 60 days a free copy of Borrower's consumer credit report from the consumer reporting agency who furnished the consumer credit report and from any other consumer credit reporting agency that complies and maintains files on consumers on a nationwide basis. Iowa Residents IMPORTANT: READ BEFORE SIGNING. The terms of this agreement should be read carefully because only those terms in writing are enforceable. No other terms or oral promises not contained in this written contract may be legally enforced. You may change the terms of this agreement only by another written agreement. YOU ARE ENTITLED TO A COPY OF THIS AGREEMENT. YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT PENALTY. Kansas Residents NOTICE TO CONSUMER (1) DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT. (2) YOU ARE ENTITLED TO A COPY OF THIS AGREEMENT. (3) YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT PENALTY. Maryland Residents To the extent, if any, that Maryland law applies to this Agreement, the Credit Grantor Closed-End Credit Provisions in Title 12, Subtitle 10 of the Commercial Law Code are hereby elected as the applicable Maryland law. Massachusetts Residents Massachusetts law prohibits discrimination based upon marital status or sexual orientation. Missouri and Nebraska Residents ORAL LOAN AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR TO FORBEAR FROM ENFORCING REPAYMENT OF SUCH DEBT, INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT, ARE NOT ENFORCEABLE. TO PROTECT BORROWER(S) AND THE LENDER AND ANY HOLDER OF THIS AGREEMENT FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY IT. New Hampshire Residents or the Loan Holder brings against you. If you successfully assert a partial defense, set-off or counterclaim against the Loan Holder in an action the Loan Holder brings against you, the court or arbitrator may withhold from the Loan Holder the entire amount or such portion of the attorney's fees as it considers equitable. You or your attorney may file a complaint with the New Hampshire Commissioner of Banking, State of New Hampshire Banking Department, 53 Regional Drive, Suite 200, Concord, NH 03301. Instructions for filing complaints can be found on the Commissioner’s website at www.nh.gov/banking/consumer-assistance/complaint.htm (www.nh.gov/banking/consumer-assistance/complaint.htm.). New Jersey Residents The section headings of the Agreement are a table of contents and not contract terms. Portions of this Agreement with references to actions taken to the extent of applicable law apply to acts or practices that New Jersey law permits or requires. In this Agreement, acts or practices (i) by you which are or may be permitted by "applicable law" are permitted by New Jersey law, and (ii) that may or will be taken by you unless prohibited by "applicable law" are permitted by New Jersey law. New York Residents New York residents may contact the New York State Department of Financial Services by telephone at 1-877-226-5697 or visit its website at http://dfs.ny.gov (http://dfs.ny.gov) for free information on comparative rates, fees and grace periods. Ohio Residents The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. South Dakota Residents Any improprieties in the making of this loan or in loan practices may be referred to the Division of Banking, South Dakota Department of Labor and Regulation, 1714 Lincoln Ave, Suite 2, Pierre, South Dakota, 57501, (605) 773-3421. Texas Residents This written loan agreement represents the final agreement between the parties and may not be contradicted by evidence of prior, contemporaneous, or subsequent oral agreements of the parties. There are no unwritten oral agreements between the parties. Utah Residents NO CLASS ACTIONS. YOU AGREE AND ACKNOWLEDGE THAT PURSUANT TO UTAH CODE ANN. § 70C-4-105 YOU ARE WAIVING YOUR RIGHT TO INITIATE OR PARTICIPATE IN A CLASS ACTION RELATED TO THIS AGREEMENT. Borrower is hereby notified that a negative credit report reflecting on Borrower's credit record may be submitted to a credit reporting agency if Borrower fails to fulfill the terms of Borrower's credit obligations. Wisconsin Residents If you are married: (1) you confirm that the loan is being incurred in the interest of your marriage or family. (2) No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interest unless prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree. (3) You understand and agree that Celtic Bank will provide a copy of this Agreement to your spouse for his or her information. If the loan for which you are applying is granted, you agree to notify Celtic Bank if you have a spouse who needs to receive notification that credit has been extended to you by sending your name, loan number and your spouse's name and address to Celtic Bank c/o Uplift, Inc., Attn: Wisconsin Resident, 5301 Kietzke Lane, Suite 200, Reno, NV 89511. CAUTION-IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT. (b) DO NOT SIGN THIS AGREEMENT IF IT CONTAINS ANY BLANK SPACES. (c) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN. (d) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE DUE UNDER THIS AGREEMENT. IF YOU REPAY YOUR LOAN EARLIER THAN THE MATURITY DATE THEN YOU MAY PAY LESS IN THE FINANCE CHARGE SET FORTH IN THE TRUTH IN LENDING DISCLOSURE. Celtic Bank Privacy Policy Rev. January 2015 <table> <tr> <th>Facts</th> <th>WHAT DOES CELTIC BANK DO WITH YOUR PERSONAL INFORMATION?</th> </tr> <tr> <th>Why?</th> <td>Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.</td> </tr> <tr> <th>What?</th> <td>The types of personal information we collect and share depend on the product or service you have with us. This information can include: <ul> <li>Social Security number and income</li> <li>Account balances and payment history</li> <li>Credit history and credit scores</li> </ul> When you are <i>no longer</i> our customer, we continue to share your information as described in this notice. </td> </tr> <tr> <th>How?</th> <td>All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Celtic Bank chooses to share; and whether you can limit this sharing.</td> </tr> </table> <table> <tr> <th>Reasons we can share your personal information</th> <th>Does Celtic Bank share?</th> <th>Can you limit this sharing?</th> </tr> <tr> <td>For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus</td> <td>YES</td> <td>NO</td> </tr> <tr> <td>For our marketing purposes—to offer our products and services to you</td> <td>NO</td> <td>We don't share</td> </tr> <tr> <td>For joint marketing with other financial companies</td> <td>NO</td> <td>We don't share</td> </tr> </table> <table> <tr> <th>Reasons we can share your personal information</th> <th>Does Celtic Bank share?</th> <th>Can you limit this sharing?</th> </tr> <tr> <td>For our affiliates’ everyday business purposes — information about your transactions and experiences</td> <td>NO</td> <td>We don't share</td> </tr> <tr> <td>For our affiliates’ everyday business purposes — information about your creditworthiness</td> <td>NO</td> <td>We don't share</td> </tr> <tr> <td>For our affiliates to market to you</td> <td>NO</td> <td>We don't share</td> </tr> <tr> <td>For nonaffiliates to market to you</td> <td>NO</td> <td>We don't share</td> </tr> </table> Questions? Call 800.854.7848 or go to www.celticbank.com (www.celticbank.com) Who we are Who is providing this notice? Celtic Bank What we do <table> <tr> <th>How does Celtic Bank protect my personal information?</th> <td>To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.</td> </tr> <tr> <th>How does Celtic Bank collect my personal information?</th> <td>We collect your personal information, for example, when you <ul> <li>Open an account</li> <li>Apply for a loan</li> </ul> We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. </td> </tr> <tr> <th>Why can’t I limit all sharing?</th> <td>Federal law gives you the right to limit only <ul> <li>Sharing for affiliates’ everyday business purposes—information about your creditworthiness</li> <li>Affiliates from using your information to market to you</li> <li>Sharing for nonaffiliates to market to you</li> </ul> State laws and individual companies may give you additional rights to limit sharing. </td> </tr> </table> <table> <tr> <th>Definitions</th> <td></td> </tr> <tr> <td>Affiliates</td> <td>Companies related by common ownership or control. They can be financial and nonfinancial companies.<ul><li>Celtic Bank does not share with our affiliate.</li></ul></td> </tr> <tr> <td>Nonaffiliates</td> <td>Companies not related by common ownership or control. They can be financial and nonfinancial companies<ul><li>Celtic Bank does not share with nonaffiliates so they can market to you.</li></ul></td> </tr> <tr> <td>Joint marketing</td> <td>A formal agreement between nonaffiliated financial companies that together market financial products or services to you.<ul><li>Celtic Bank does not jointly market.</li></ul></td> </tr> <tr> <th colspan="2">Other important information</th> <td></td> </tr> </table> EXHIBIT 2 STATEMENT OF ACCOUNT ACTIVITY Consumer Information as of 12/10/2025 THOMAS MULLINS 26690 E 81ST STREET S BROKEN ARROW, OK 74014 Debt Description: UPLIFT INSTALLMENT LOAN ACCOUNT NUMBER: [REDACTED] L507 DATE ACCOUNT OPENED: 02/25/2024 DATE ACCOUNT CHARGED OFF: 10/24/2024 <table> <tr> <th>Post Date</th> <th>Transaction Amount</th> <th>Transaction Description</th> </tr> <tr> <td>02/25/2024</td> <td>2265.95</td> <td>Principal Advance (Appl.ToPrin: 0 Rem.Prin: 2265.95)</td> </tr> <tr> <td>04/17/2024</td> <td>251.77</td> <td>Principal Payment (Appl.ToPrin: 251.77 Rem.Prin: 2014.18)</td> </tr> <tr> <td>05/24/2024</td> <td>251.77</td> <td>Principal Payment (Appl.ToPrin: 251.77 Rem.Prin: 1762.41)</td> </tr> <tr> <td>09/12/2024</td> <td>251.77</td> <td>Principal Payment (Appl.ToPrin: 251.77 Rem.Prin: 1510.64)</td> </tr> <tr> <td>10/24/2024</td> <td>1510.64</td> <td>Principal at Charge Off</td> </tr> <tr> <td>10/24/2024</td> <td>0.00</td> <td>Interest at Charge Off</td> </tr> <tr> <td>10/24/2024</td> <td>0.00</td> <td>Fees at Charge Off</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 2024-11-18 EXHIBIT 3 BILL OF SALE For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Account Purchase Agreement (the “Agreement”) dated May 25, 2023 by and between Uplift, Inc. (“Seller”) and Jefferson Capital Systems, LLC (“Buyer”), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, without recourse except as set forth in the Agreement, to the extent of its ownership, the Accounts as set forth in the Account Schedule attached hereto as Exhibit I delivered by Seller to Buyer on the Closing Date of November 18, 2024, and as further described in the Agreement. Lot Number: 24-1128 Aggregate Unpaid Balance: Number of Accounts: DATED: DECEMBER 10 2024 SELLER: Uplift, Inc. By: Michael Young Name (print): Jeff Title: Sr. DIRECTOR, SERVICING STATE OF ARIZONA ss. COUNTY OF MARICOPA On this ID day of DECEMBER, 2024, before me, the undersigned, a Notary Public in and for the State of ARIZONA, duly commissioned and sworn, personally appeared Richard Young to me known to be the Sr. DIRECTOR, SERVICING of Uplift, Inc., the corporation that executed the foregoing instrument, and acknowledged the said instrument to be the free and voluntary act and deed of said corporation, for the uses and purposes therein mentioned. Witness my hand and official seal hereto affixed the day and year first above written. SHANNON D. JACKSON Notary Public, State of Arizona Maricopa County Commission #660871 My Commission Expires October 16, 2027 CERTIFICATE OF LOAN SALE Celtic Bank, an industrial bank located in Salt Lake City, Utah ("Transferor"), hereby certifies that: 1. Transferor originates loans that are serviced by Uplift, Inc. ("Transferee"). 2. Each of the loans identified by loan number on the attached Exhibit A (each, a "Loan") was originated by Transferor. 3. Subsequent to such origination, Transferor transferred or otherwise conveyed to Transferee each Loan identified on Exhibit A. 4. Transferor conveyed to Transferee all of Transferor’s right, title and interest in each Loan subject to no prior security interest in favor of any other creditor of Transferor. 5. Transferee was the servicer of each Loan from the origination of the Loan to the sale by Transferor to Transferee. In its role as servicer of the Loan, during the period Transferor owned the Loan, Transferee kept and maintained business records on behalf of Transferor in the regular course of business. Celtic Bank By: ____________________________ Signed by: [signature] 66741FFD90922486... Title: Senior Accountant Date: November 27, 2024 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] THOMAS MULLINS | XXXX-XX-2541 | XXXXXXXXXXXXXXX1507 | XXXXXXXXXXXXX | 2/25/2024 [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] [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>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>10/24/2024</td> <td>$1,510.64</td> <td>$1,510.64</td> <td>9/12/2024</td> <td>$251.77</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> <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>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> </table>