Prestige Financial Services, Inc. v. April Aaron

IN THE DISTRICT COURT OF CANADIAN COUNTY STATE OF OKLAHOMA PRESTIGE FINANCIAL SERVICES, INC., ) ) Plaintiff, ) ) v. ) Case no. CJ 2024-324 APRIL AARON (xxx-xx-4593) ) and CARDELL NEAL (xxx-xx-2973), ) Defendants. ) PAUL HESSE PETITION COMES NOW the Plaintiff, Prestige Financial Services, Inc. (hereinafter "PFS"), and by way of its cause of action and demand against the Defendants, April Aaron and Cardell Neal, alleges and states as follows: 1. On or about October 3, 2022, Plaintiff and Defendants entered into a Retail Installment Sale Contract - Simple Finance Charge ("Contract") for good and valuable consideration. A copy of said Contract is attached hereto as Exhibit "A." 2. Said Defendants failed to make the payments as agreed. Plaintiff, who is the owner and holder of said Contract made demand upon said Defendants for the payment of the Contract; that said Defendants failed, refused, and/or neglected to pay said unpaid balance of the Contract. Said Contract provides that parties liable for payment thereunder agree to pay reasonable costs of collection, including a reasonable attorney's fee. 3. Plaintiff mailed Defendant notice of a deficiency balance on December 10, 2024 See Exhibit "B". 4. Defendant is indebted to Plaintiff for the principal balance due under the contract in the amount of $19,634.06; current interest in the amount of $7,386.81 at the contract rate of 20.99% per annum from March 26, 2026, until paid; late fees in the amount of $522.00. See Exhibit “C” (Debtor Detail Report, Account Statement, Fee Statement). 5. In accordance with the Fair Debt Collection Practices Act, Title 15 U.S.C.A. 1692(g), if applicable, unless the person or entity responsible for the payment of the above debt, within thirty days after receipt of this notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid; and if said person or entity notifies the undersigned attorney for Plaintiff in writing within said thirty day period that the debt, or any portion thereof, is disputed, said attorney will obtain verification of the debt and a copy of such verification will be mailed to said person or entity by the undersigned attorney for Plaintiff; and upon written request by you within the thirty day period, the undersigned attorney for Plaintiff will provide the name and address of the original creditor, if different from the current creditor. WHEREFORE, Plaintiff PFS, prays for judgment against the Defendants, April Aaron and Cardell Neal, on its cause of action in the principal amount of $19,634.06; current interest in the amount of $7,386.81 at the contract rate of 20.99% per annum from March 26, 2026, until paid; late fees in the amount of $522.00; court costs; a reasonable attorney's fee; and for any and all costs of this action, accrued and accruing; and for such other and further relief as the Court deems just and proper. Jerome S. Sepkowitz, OBA #8081 DERRYBERRY & NAIFEH, LLP 4800 N. Lincoln Boulevard Oklahoma City, Oklahoma 73105 Telephone: (405) 528-6569 Facsimile: (405) 528-6462 [email protected] ATTORNEY FOR PLAINTIFF ATTORNEY'S LIEN CLAIMED LAW 553-OK-ARB-eps-14 8/22 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) APRIL AARON 11501 SW 15TH ST APT# 611 YUKON OK 73099 Cell: (405) 990-4266 Email: [email protected] Co-Buyer Name and Address (Including County and Zip Code) CARDELL NEAL 11501 SW 15TH ST APT# 611 YUKON OK 73099 Cell: (405) 738-4988 Email: [email protected] Seller-Creditor (Name and Address) ORR NISSAN WEST 8800 NW EXPRESSWAY OKLAHOMA CITY OK 73162 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes “we” or “us” in this contract) the Amount Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>New/Used</th> <th>Year</th> <th>Make and Model</th> <th>Odometer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>USED</td> <td>2015</td> <td>AUDI A3</td> <td>88313</td> <td>WAUACGF6F1013447</td> <td>Personal, family, or household unless otherwise indicated below<br>☐ business<br>☐ agricultural ☐ N/A</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th> <th>Total of Payments<br>The amount you will have paid after you have made all payments as scheduled.</th> <th>Total Sale Price<br>The total cost of your purchase on credit, including your down payment of $700.00</th> </tr> <tr> <td>20.99%</td> <td>$16012.28</td> <td>$20509.00</td> <td>$36521.28</td> <td>$37221.28</td> </tr> </table> Your Payment Schedule Will Be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>72</td> <td>$507.24</td> <td>MONTHLY beginning 11/17/2022</td> </tr> <tr> <td>N/A</td> <td>N/A</td> <td>N/A</td> </tr> </table> Late Charge: If payment is not received in full within 10 days after it is due, you will pay a late charge of $29.00 or 5% of the part of the payment that is late, whichever is greater. Prepayment: If you pay early, you will not have to pay a penalty. Security Interest: You are giving a security interest in the vehicle being purchased. Additional Information: See this contract for more information including information about nonpayment, default, any required repayment in full before the scheduled date and security interest. Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract of sale. Spanish Translation: Guía para compradores de vehículos usados. La información que ve en el formulario de la ventanilla para este vehículo forma parte del presente contrato. La información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta. WARRANTIES SELLER DISCLAIMERS Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller makes no warranties, express or implied, on the vehicle, and there will be no implied warranties of merchantability or of fitness for a particular purpose. This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide. Returned Check Charge: You agree to pay a charge of $25.00 if any check you give us is dishonored. ☐ VENDOR’S SINGLE INTEREST INSURANCE (VSI Insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI Insurance is for the Creditor’s sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to purchase VSI insurance through the Creditor, the cost of this insurance is $_________ N/A and is also shown in Item 4B of the Itemization of Amount Financed. The coverage is for the initial term of the contract. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on page 4 of this contract, you or we may elect to resolve any dispute by neutral, binding arbitration and not by a court action. (See the Arbitration Provision for additional information concerning the agreement to arbitrate.) Buyer Signs X [signature] Co-Buyer Signs X [signature] EXHIBIT "A" ORIGINAL LAW 553-OK-ARB-eps-14 8/22 v1 Page 1 of 4 ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $ ___ N/A ___ excise tax) $ 17600.00 (1) 2 Total Downpayment = Trade-in N/A (Year) ____________ (Make) ____________ (Model) ____________ $ N/A Gross Trade-In Allowance $ N/A Less Pay Off Made By Seller to N/A $ N/A Equals Net Trade In $ N/A + Cash $ 700.00 + Other N/A $ N/A + Other N/A $ N/A + Other N/A $ N/A (If total downpayment is negative, enter "0" and see 4I below) 3 Unpaid Balance of Cash Price (1 minus 2) $ 700.00 (2) $ 16900.00 (3) 4 Other Charges Including Amounts Paid to Others on Your Behalf (Seller may keep part of these amounts): A Cost of Optional Credit Insurance Paid to Insurance Company or Companies. <table> <tr><th></th><th>$</th><th>N/A</th></tr> <tr><td>Life</td><td>N/A</td><td>$ N/A</td></tr> <tr><td>Disability</td><td>N/A</td><td>$ N/A</td></tr> <tr><td>B Vendor's Single Interest Insurance Paid to Insurance Company</td><td>N/A</td><td>$ N/A</td></tr> <tr><td>C Other Optional Insurance Paid to Insurance Company or Companies</td><td>N/A</td><td>$ N/A</td></tr> <tr><td>D Optional Gap Contract</td><td>N/A</td><td>$ 500.00</td></tr> </table> E Official Fees Paid to Government Agencies <table> <tr><th>To</th><th>For</th><th>$</th><th>N/A</th></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>Government Taxes Not Included In Cash Price</td><td>N/A</td><td>$ N/A</td><td></td></tr> <tr><td>G Government Licenses and/or Registration Fees</td><td>N/A</td><td>$ N/A</td><td></td></tr> <tr><td>FILING/LIEN</td><td></td><td>$ 10.00</td><td></td></tr> <tr><td>H Government Certificate of Title Fees</td><td></td><td>$ N/A</td><td></td></tr> <tr><td>I Other Charges (Seller must identify who is paid and describe purpose)</td><td></td><td></td><td></td></tr> <tr><td>to N/A</td><td>for Prior Credit or Lease Balance</td><td>$ N/A</td><td></td></tr> <tr><td>to NESNA</td><td>for QUALITYGUARD+PLUS</td><td>$ 2400.00</td><td></td></tr> <tr><td>to ORR NISSAN WEST</td><td>for DOC FEE</td><td>$ 699.00</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>to N/A</td><td>for N/A</td><td>$ N/A</td><td></td></tr> <tr><td>Total Other Charges and Amounts Paid to Others on Your Behalf</td><td></td><td>$ 3609.00 (4)</td><td></td></tr> </table> 5 Amount Financed (3 + 4) $ 20509.00 (5) OPTION: □ You pay no finance charge if the Amount Financed, Item 5, is paid in full on or before N/A Year N/A. SELLER'S INITIALS N/A OPTIONAL GAP CONTRACT A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in item 4D of the Itemization of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Term 72 Moe. NATIONSAFE GAP Name of Gap Contract I want to buy a gap contract Buyer Signs X April Aaron Insurance: You may buy the physical damage insurance this contract covers from anyone you choose who is acceptable to us. You may also provide the physical damage insurance through an existing policy owned or controlled by you that is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interest Insurance is checked on page 1 of this contract. If any insurance is checked below, policies or certificates from the named insurance companies will describe the terms and conditions. Check the insurance you want and sign below: Optional Credit Insurance [ ] Credit Life: [ ] Buyer [ ] Co-Buyer [ ] Both [ ] Credit Disability: [ ] Buyer [ ] Co-Buyer [ ] Both Premium: Credit Life $ N/A Credit Disability $ N/A Insurance Company Name N/A N/A Home Office Address N/A N/A Credit life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in item 4A of the Itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not cover any increase in your payment or in the number of payments. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional Insurance <table> <tr><th>Type of Insurance</th><th>Term</th></tr> <tr><td>N/A</td><td>N/A</td></tr> <tr><td>Premium $ N/A</td><td></td></tr> <tr><td>Insurance Company Name N/A</td><td></td></tr> <tr><td>Home Office Address N/A</td><td>N/A</td></tr> <tr><td>□ N/A Type of Insurance Term</td><td>N/A</td></tr> <tr><td>Premium $ N/A</td><td></td></tr> <tr><td>Insurance Company Name N/A</td><td></td></tr> <tr><td>Home Office Address N/A</td><td>N/A</td></tr> </table> Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. X N/A N/A Buyer Signature Date X N/A N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose as the law allows. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. d. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in: • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you; and • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. d. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. You agree to name us on your insurance policy as loss payee. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below. b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during credit application; • You start a proceeding in bankruptcy or one is started against you or your property; or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device (such as GPS), you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you. If you do not ask for these items back, we may dispose of them as the law allows. e. How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redeem). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. SERVICING AND COLLECTION CONTACTS In consideration of our extension of credit to you, you agree to provide us your contact information for our servicing and collection purposes. You agree that we may use this information to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. You agree to allow our agents and service providers to contact you as agreed above. You agree that you will, within a reasonable time, notify us of any change in your contact information. 5. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. 6. NEGATIVE CREDIT REPORT NOTICE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. ORIGINAL ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND US DECIDED BY ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. 3. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute, whether in contract, tort, statute or otherwise (including the interpretation and scope of this Arbitration Provision, any allegation of waiver of rights under this Arbitration Provision, and the arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns, which arises out of or relates to your credit application, purchase or condition of this Vehicle, this contract or any resulting transaction or relationship (including any such relationship with third parties who do not sign this contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. Any claim or dispute is to be arbitrated by a single arbitrator only on an individual basis and not as a plaintiff in a collective or representative action, or a class representative or member of a class on any class claim. The arbitrator may not preside over a consolidated, representative, class, collective, injunctive, or private attorney general action. You expressly waive any right you may have to arbitrate a consolidated, representative, class, collective, injunctive, or private attorney general action. You or we may choose the American Arbitration Association (www.adr.org) or National Arbitration and Mediation (www.namadr.com) as the arbitration organization to conduct the arbitration. If you and we agree, you or we may choose a different arbitration organization. You may get a copy of the rules of an arbitration organization by contacting the organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable statute of limitations. The arbitration hearing shall be conducted in the federal district in which you reside unless the Seller-Creditor is a party to the claim or dispute, in which case the hearing will be held in the federal district where this transaction was originated. We will pay the filing, administration, service, or case management fee and the arbitrator or hearing fee up to a maximum of $5,000, unless the law or the rules of the chosen arbitration organization require us to pay more. You and we will pay the filing, administration, service, or case management fee and the arbitrator or hearing fee over $5,000 in accordance with the rules and procedures of the chosen arbitration organization. The amount we pay may be reimbursed in whole or in part by decision of the arbitrator if the arbitrator finds that any of your claims is frivolous under applicable law. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law. If the chosen arbitration organization’s rules conflict with this Arbitration Provision, then the provisions of this Arbitration Provision shall control. Any arbitration under this Arbitration Provision shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) and not by any state law concerning arbitration. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. You and we retain the right to seek remedies in small claims court for disputes or claims within that court's jurisdiction, unless such action is transferred, removed or appealed to a different court. Neither you nor we waive the right to arbitrate any related or unrelated claims by filing any action in small claims court; or by using self-help remedies, such as repossession, or by filing an action to recover the vehicle, to recover a deficiency balance, or for individual or statutory public injunctive relief. Any court having jurisdiction may enter judgment on the arbitrator's award. This Arbitration Provision shall survive any termination, payoff or transfer of this contract. If any part of this Arbitration Provision, other than waivers of class rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. You agree that you expressly waive any right you may have for a claim or dispute to be resolved on a class basis in court or in arbitration. If a court or arbitrator finds that this class arbitration waiver is unenforceable for any reason with respect to a claim or dispute in which class allegations have been made, the rest of this Arbitration Provision shall also be unenforceable. The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge. HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this contract must be in writing and we must sign it. No oral changes are binding. Buyer Signs X Date: 10/03/22 Co-Buyer Signs: X Date: 10/03/22 If any part of this contract is not valid, all other parts stay valid. We may delay or refrain from enforcing any of our rights under this contract without losing them. For example, we may extend the time for making some payments without extending the time for making others. See the rest of this contract for other important agreements. NOTICE TO RETAIL BUYER: Do not sign this contract in blank. You are entitled to a copy of the contract at the time you sign. Keep it to protect your legal rights. You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it. You acknowledge that you have read all pages of this contract, including the arbitration provision above, before signing below. You confirm that you received a completely filled-in copy when you signed it. Buyer Signs X [NAME] Date: 10/03/22 Co-Buyer Signs: X [NAME] Date: 10/03/22 Buyer Printed Name APRIL AARON Co-Buyer Printed/Name CARDELL NEAL If the "business" use box is checked in "Primary Use for Which Purchased": Print Name N/A Title N/A Co-Buyers and Other Owners — A co-buyer is a person who is responsible for paying the entire debt. An other owner is a person whose name is on the title to the vehicle but does not have to pay the debt. The other owner agrees to the security interest in the vehicle given to us in this contract. Other owner signs here: X N/A Address N/A Seller signs ORR NISSAN WEST Date 10/03/22 By x Title FNT Seller assigns its interest in this contract to PRESTIGE FINANCIAL SERVICES INC (Assignee) under the terms of Seller's agreement(s) with Assignee. Assigned with recourse X Assigned without recourse Assigned with limited recourse Seller ORR NISSAN WEST By x Title FNT APRIL AARON CARDELL NEAL 11501 SW 15TH ST APT 611 YUKON, OK 73099 December 10, 2024 *BANKRUPTCY DISCLOSURE: IF YOU ARE ENTITLED TO THE PROTECTIONS OF THE UNITED STATES BANKRUPTCY CODE (11 U.S.C. §362; 524) REGARDING THE SUBJECT MATTER OF THIS LETTER, THE FOLLOWING APPLIES TO YOU: THIS COMMUNICATION IS NOT AN ATTEMPT TO COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY AND TO COMPLY WITH STATE LAWS, RULES, AND REGULATIONS. RECOVERY GENERAL DEFICIENCY RE: ACCOUNT NUMBER: 6328089 RETAIL INSTALLMENT SALE OR CREDIT SALE CONTRACT DATED OCTOBER 3, 2022 ("AGREEMENT") 2015 AUDI A3, VIN: WAUACGFF6F1013447 ("VEHICLE") TOTAL BALANCE: $22,892.04 AS OF DECEMBER 9, 2024 Dear April Aaron & Cardell Neal, This letter is to inform you that you still owe the above balance. Interest continues to accrue on the principal balance, if any. If you have any questions regarding this notice, promptly call us at 888.822.7422 or write us at the address shown below. **Future debits, credits, charges, finance charges or interest, rebates or other expenses may affect this amount. If you need more information about the transaction call us at 888.822.7422, or write us at the below address. Sincerely, Prestige Financial Services, Inc. P.O. Box 26707 Salt Lake City, UT 84126 CREDIT REPORTING DISCLOSURE: We may report information about your Account to credit bureaus. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. Account Number: 6328089 Debtor: APRIL AARON Debtor Birth Year: 4/10/1980 Debtor Last 4 SSN: 4593 Debtor Street Address: 332 E CARSON LN Debtor City: Mustang Debtor State: OK Debtor Zip: 73064 Co Debtor: CARDELL NEAL Co Debtor Birth Year: 9/14/1985 Co Debtor Last 4 SSN: 2973 Co Debtor Street Address: 332 E CARSON LN Co Debtor City: Mustang Co Debtor State: OK Co Debtor Zip: 73064 Principal Balance: $19634.06 Fees Balance: $522.00 Interest Balance: $7375.52 Total Balance: $27531.58 Installments Due: 10144.8 Contract APR: 20.99 Current APR: 20.99 Per Diem: $11.29 Co Debtor Unpaid Principal null Co Debtor Unpaid Interest null Co Debtor Balance Fees null Co Debtor Total Balance null Co Debtor Current APR null Co Debtor Per Diem null First Payment: 11/17/2022 Last Payment Made: 7/16/2025 Payment Due Date: 8/13/2024 Number of Payments Made: 20 Past Due Installments: 20 Contract Date: 10/3/2022 Date Funded: 11/4/2022 Term: 72 Payment Original: $507.24 Payment Current: $507.24 Amount Financed: $20,509.00 Total of Payments: $36,521.28 Finance Charges: $16,012.28 Contract State: OK Lending Program: PREMIER Tier: D Vehicle Year: 2015 Vehicle Make: Audi Vehicle Model: A3 Vehicle VIN: WAUJACGFF6F1013447 Prestige Debtor Detail Report Vehicle Color: Red Vehicle Plate Number: null Prestige Financial Services 351 West Opportunity Way Draper, UT 84020 APRIL AARON 332 E CARSON LN MUSTANG, OK 73064 Maker Name: APRIL AARON Co-Maker Name: CARDELL NEAL Account Number: 6328089 Contract Date: 10/03/2022 Contract Rate: 20.99% Amount Financed: $20,509.00 Original Monthly Payment: $507.24 Normal Terms <table> <tr> <th>Transaction Date</th> <th>Method of Payment</th> <th>Payment Amount</th> <th>Money Amount to Interest</th> <th>Unpaid Interest</th> <th>Amount to Principal</th> <th>Amount to Fees</th> <th>Beginning Principal Balance</th> <th>Interest Rate</th> <th>Ending Principal Balance</th> </tr> <tr> <td>10/03/2022</td> <td>Contract Begin</td> <td>$0.00</td> <td>$0.00</td> <td>$0.00</td> <td>$0.00</td> <td>$0.00</td> <td>$19,634.06</td> <td>20.99%</td> <td>$20,509.00</td> </tr> <tr> <td>11/17/2022</td> <td>SpeedPay ATM</td> <td>$507.24</td> <td>$507.24</td> <td>$23.31</td> <td>$0.00</td> <td>$0.00</td> <td>$20,509.00</td> <td>20.99%</td> <td>$20,509.00</td> </tr> <tr> <td>12/19/2022</td> <td>Credit/Debit Card</td> <td>$507.24</td> <td>$400.59</td> <td>$0.00</td> <td>$106.65</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>02/03/2023</td> <td>Credit/Debit Card</td> <td>$200.00</td> <td>$200.00</td> <td>$339.58</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>02/17/2023</td> <td>Credit/Debit Card</td> <td>$307.24</td> <td>$307.24</td> <td>$196.56</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>03/31/2023</td> <td>Credit/Debit Card</td> <td>$296.65</td> <td>$296.65</td> <td>$392.57</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>05/15/2023</td> <td>Credit/Debit Card</td> <td>$511.00</td> <td>$511.00</td> <td>$409.42</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>06/12/2023</td> <td>One-time ACH</td> <td>$510.00</td> <td>$510.00</td> <td>$227.86</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>07/25/2023</td> <td>One-time ACH</td> <td>$510.00</td> <td>$510.00</td> <td>$222.25</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>10/06/2023</td> <td>SpeedPay ATM</td> <td>$508.00</td> <td>$508.00</td> <td>$570.54</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>12/27/2023</td> <td>Credit/Debit Card</td> <td>$514.00</td> <td>$514.00</td> <td>$1,018.40</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>01/09/2024</td> <td>Credit/Debit Card</td> <td>$495.00</td> <td>$495.00</td> <td>$675.89</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>01/29/2024</td> <td>Credit/Debit Card</td> <td>$502.75</td> <td>$502.75</td> <td>$407.74</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>03/25/2024</td> <td>Credit/Debit Card</td> <td>$355.00</td> <td>$355.00</td> <td>$709.62</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>05/02/2024</td> <td>Credit/Debit Card</td> <td>$360.00</td> <td>$360.00</td> <td>$795.36</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>05/09/2024</td> <td>Credit/Debit Card</td> <td>$60.00</td> <td>$60.00</td> <td>$817.47</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>06/05/2024</td> <td>Credit/Debit Card</td> <td>$510.00</td> <td>$510.00</td> <td>$824.18</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>06/27/2024</td> <td>Credit/Debit Card</td> <td>$350.00</td> <td>$350.00</td> <td>$532.24</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>09/12/2024</td> <td>Credit/Debit Card</td> <td>$500.00</td> <td>$500.00</td> <td>$935.45</td> <td>$0.00</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>06/10/2025</td> <td>Dealer Refund Check</td> <td>$293.28</td> <td>$0.00</td> <td>$4,114.28</td> <td>$293.29</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,109.08</td> </tr> <tr> <td>07/16/2025</td> <td>Credit/Debit Card</td> <td>$475.00</td> <td>$0.00</td> <td>$4,530.44</td> <td>$475.00</td> <td>$0.00</td> <td>$20,109.06</td> <td>20.99%</td> <td>$19,634.06</td> </tr> </table> Normal Terms Summary <table> <tr> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> </tr> <tr> <td>Interest Accrued:</td> <td>$14,784.28</td> <td>Total Fees:</td> <td>$522.00</td> <td>Beginning Principal:</td> <td>$20,509.00</td> <td>Balance Interest:</td> <td>$7,386.81</td> <td></td> </tr> <tr> <td>Interest Paid:</td> <td>$7,397.47</td> <td>Total Fees Paid:</td> <td>$0.00</td> <td>Principal Paid LTD:</td> <td>$0.00</td> <td>Balance Fees:</td> <td>$874.94</td> <td></td> </tr> <tr> <td>Balance Interest:</td> <td>$7,386.81</td> <td>Balance Fees:</td> <td>$522.00</td> <td>Principal Balance:</td> <td>$19,634.06</td> <td>Account Balance:</td> <td>$27,542.87</td> <td></td> </tr> </table> Customer Name: APRIL AARON Account Number: 6328089 Date: 03/25/2026 Per Diem (10 Days): $112.90 10 Days Payoff Amount: $27,660.81 <table> <tr> <th>Transaction Date</th> <th>Method of Payment</th> <th>Payment Amount</th> <th>Money Amount to Interest</th> <th>Unpaid Interest</th> <th>Amount to Principal</th> <th>Amount to Fees</th> <th>Beginning Principal Balance</th> <th>Interest Rate</th> <th>Ending Principal Balance</th> </tr> <tr> <td>11/15/2024</td> <td>Recovery - Term Begin</td> <td>$0.00</td> <td>$0.00</td> <td>$0.00</td> <td>$0.00</td> <td>$0.00</td> <td>$19,634.08</td> <td>20.99%</td> <td>$20,402.35</td> </tr> <tr> <td>06/10/2025</td> <td>Dealer Refund Check</td> <td>$293.29</td> <td>$0.00</td> <td>$4,114.28</td> <td>$293.29</td> <td>$0.00</td> <td>$20,402.35</td> <td>20.99%</td> <td>$20,109.06</td> </tr> <tr> <td>07/16/2025</td> <td>Credit/Debit Card</td> <td>$475.00</td> <td>$0.00</td> <td>$4,530.44</td> <td>$475.00</td> <td>$0.00</td> <td>$20,109.06</td> <td>20.99%</td> <td>$19,634.06</td> </tr> </table> Recovery Terms Summary <table> <tr> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> <th></th> </tr> <tr> <td>Interest Accrued:</td> <td>$7,386.81</td> <td>Total Fees:</td> <td>$522.00</td> <td>Beginning Principal:</td> <td>$20,402.35</td> <td>Balance Interest:</td> <td>$7,386.81</td> </tr> <tr> <td>Interest Paid:</td> <td>$3.00</td> <td>Total Fees Paid:</td> <td>$0.00</td> <td>Principal Paid LTD:</td> <td>$768.29</td> <td>Balance Fees:</td> <td>$322.00</td> </tr> <tr> <td>Balance Interest:</td> <td>$7,386.81</td> <td>Balance Fees:</td> <td>$522.00</td> <td>Principal Balance:</td> <td>$19,634.06</td> <td>Account Balance:</td> <td>$27,542.87</td> </tr> </table> Customer Name: APRIL AARON Account Number: 6328089 Date: 03/25/2026 Per Diem (10 Days): $112.90 10 Days Payoff Amount: $27,660.20 Disclaimer: This Account Statement is provided according to Prestige Financial's records. The Payoff Amount is valid for 10 Days, which includes the Per Diem (listed above) from the Date (listed above). After 10 days, an updated payoff quote may be obtained by calling the Customer Service Department at (888) 822-7422. Then Ending Principal Balance and Payoff Amount shown above will be affected by payments that are paid early, paid on time, paid late, partial, split, over paid, missed or extended. Other factors that will affect the Ending Principal Balance and Payoff Amount include reductions to the APR, accrued but unpaid interest, late charges, miscellaneous loan fees that may be incurred or charges in the payment due date. The balance of Judgment and Payment Plan terms may include pre-term interest and/or fees. Interest charges are calculated using the simple interest method based upon 365 day calendar year. Bankruptcy Disclaimer: Reaffirmation Agreements, if approved by the court, may permanently replace the original contract. Please contact the Bankruptcy Department at (888) 833-0689 with any bankruptcy related questions. Payment Plan Disclosure: In the event of default on the payment plan agreement, the full balance of the judgment or contract and judgment or contract interest will be due and further collection actions on that full balance may commence to recover the debt. APRIL AARON 332 E CARSON LN MUSTANG, OK 73064 Account Number: 6328089 Normal Fees <table> <tr> <th>Type</th> <th>Subtype</th> <th>Fee Description</th> <th>Comments</th> <th>Date Assessed</th> <th>Amount Assessed</th> <th>Amount Paid</th> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>01/30/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>03/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>04/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>05/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>07/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>08/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>11/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>12/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>01/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>02/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>03/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>04/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>05/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>06/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>07/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>08/26/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>09/26/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>10/26/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <th colspan="4">Normal Fees Total</th> <th></th> <th>$522.00</th> <th>$0.00</th> </tr> <tr> <th colspan="4">Total Due:</th> <th></th> <th><b>$522.00</b></th> <th></th> </tr> </table> Recovery Fees <table> <tr> <th>Type</th> <th>Subtype</th> <th>Fee Description</th> <th>Comments</th> <th>Date Assessed</th> <th>Amount Assessed</th> <th>Amount Paid</th> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>01/30/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>03/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>04/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>05/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>07/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>08/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>11/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>12/18/2023</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>01/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>02/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>03/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>04/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>05/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>06/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>07/18/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>08/26/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>09/26/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> <tr> <td>Late Fee</td> <td></td> <td>Late Fee</td> <td></td> <td>10/26/2024</td> <td>$29.00</td> <td>$0.00</td> </tr> </table> Recovery Fees Total <table> <tr> <td></td> <td></td> <td></td> <td>$522.00</td> <td>$0.00</td> </tr> <tr> <td>Total Due:</td> <td colspan="3"></td> <td><b>$522.00</b></td> </tr> </table> Disclaimer: This statement of fees ("Fees Statement") is provided according to Prestige Financials records. The "Amount Assessed" column shows the total amount of fees outstanding on your account. Factors that affect the assessment of fees may include late charges as described in your loan contract, non-sufficient funds charges, payment processing fees, and collection and recovery fees. This statement is not intended to show finance charges or account balance information. An account statement may be obtained by calling Customer Service at (888) 822-7422. Prestige Financial Services 351 West Opportunity Way Draper, UT 84020 CARDELL NEAL 332 E CARSON LN # MUSTANG, OK 73064 Account Number: 6328089 Fees Statement Normal Fees <table> <tr> <th>Type</th> <th>Subtype</th> <th>Fee Description</th> <th>Comments</th> <th>Date Assessed</th> <th>Amount Assessed</th> <th>Amount Paid</th> </tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>01/30/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>03/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>04/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>05/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>07/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>08/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>11/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>12/18/2023</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>01/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>02/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>03/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>04/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>05/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>06/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>07/18/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>06/26/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>09/26/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td>Late Fee</td><td></td><td>Late Fee</td><td></td><td>10/26/2024</td><td>$28.00</td><td>$0.00</td></tr> <tr><td colspan="6">Normal Fees Total</td><td>$522.00</td><td>$0.00</td></tr> <tr><td colspan="6">Total Due:</td><td>$522.00</td><td></td></tr> </table> Recovery Fees | Type | Subtype | Fee Description | Comments | Date Assessed | Amount Assessed | Amount Paid | |------|---------|----------------|----------|---------------|----------------|------------| | Late Fee | Late Fee | Late Fee | 01/30/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 03/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 04/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 05/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 07/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 08/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 11/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 12/18/2023 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 01/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 02/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 03/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 04/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 05/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 06/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 07/18/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 08/26/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 09/26/2024 | $29.00 | $0.00 | | Late Fee | Late Fee | Late Fee | 10/26/2024 | $29.00 | $0.00 | Recovery Fees Total: $522.00 Total Due: $522.00 Disclaimer: This statement of fees ("Fees Statement") is provided according to Prestige Financials records. The "Amount Assessed" column shows the total amount of fees outstanding on your account. Factors that affect the assessment of fees may include late charges as described in your loan contract, non-sufficient funds charges, payment processing fees, and collection and recovery fees. This statement is not intended to show finance charges or account balance information. An account statement may be obtained by calling Customer Service at (888) 822-7422.