REGIONAL ACCEPTANCE CORPORATION v. JERRY RAY OLIVER

IN THE DISTRICT COURT OF HUGHES COUNTY, STATE OF OKLAHOMA REGIONAL ACCEPTANCE CORPORATION Plaintiff, -vs- JERRY RAY OLIVER BRENDA OLIVER Defendant(s). Case No. CJ-26-38 PETITION FOR BREACH OF CONTRACT COMES NOW the Plaintiff and for its cause of action states as follows: 1. That Plaintiff is a CORPORATION organized and existing under the laws of NORTH CAROLINA; the debt sued upon arose in and Plaintiff's cause of action accrued in the State of Oklahoma. 2. That at least one of the Defendant(s) reside(s) in or may be found in HUGHES County, Oklahoma and within the venue of this court. 3. That upon application by the Defendant(s), the Defendant(s) did enter into a Retail Installment Contract and Security Agreement ("Agreement") with SHAWNEE AUTO MALL, which has heretofore been assigned and sold to various parties and ultimately to Plaintiff for good and valuable consideration, to borrow a sum of money to purchase a vehicle. A copy of said Agreement is attached hereto and incorporated herein by reference as if set forth at this point in full and verbatim. 4. That the Defendant(s) did fail to perform the obligations under the Agreement and are therefore in default. 5. That if required by law or the Agreement, Plaintiff notified the Defendants of his/her/their default and right to cure, but Defendants failed to cure said default. 6. That Plaintiff repossessed the vehicle under the terms of the Retail Installment Contract and Security Agreement, and the vehicle was then sold in a commercially reasonable manner. 7. That Plaintiff notified the Defendants of the sale and any deficiency remaining after the sale. 8. That the deficiency after the sale is $25,898.11. 9. Interest in the amount of $13146.10 is due and owing through 3/11/2026, plus interest at the contract or legal rate of 16.450% through the date of Judgment, and continuing to accrue at that rate per annum from the date of Judgment until paid. 10. That pursuant to the signed agreement attached hereto, Plaintiff is entitled to reasonable late charges in the amount of $129.51. 11. That pursuant to the signed agreement attached hereto, Plaintiff is entitled to reasonable repossession charges in the amount of $430.00. 12. Pursuant to the contract attached hereto, Plaintiff is entitled to reasonable attorney fees. 13. Plaintiff declares under penalty of perjury that Defendant(s) JERRY RAY OLIVER AND BRENDA OLIVER is/are not in the Armed Forces for the United States, verified on 07/15/2024 03:29PM via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant(s) in the amount of: Amount claimed: $25,898.11; Interest: Interest in the amount of $13146.10 is due and owing through 3/11/2026, plus interest at the contract or legal rate of 16.450% through the date of Judgment, and continuing to accrue at that rate per annum from the date of Judgment until paid; Late charges: $129.51; Repossession fees: $430.00; Attorney fees; All costs herein expended, including but not limited to court costs, sheriff’s fees, and any costs for service of the summons(es). Respectfully submitted, FABER AND BRAND L.L.C. BY: ___/s/ Michael L. Foster____ Michael L. Foster OK #20701 Jason P. Gubbins OK #22576 James M. Mucklestone OK #36520 P.O. Box 10110 Columbia, Missouri 65205-4000 (888) 233-3141 (573) 442-1072 FAX [email protected] ATTORNEY FOR PLAINTIFF THIS IS A COMMUNICATION FROM A DEBT COLLECTOR IN AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. F&B Acct. No: 523105 AFFIDAVIT OF ACCOUNT & VERIFICATION OF BUSINESS RECORDS STATE OF North Carolina COUNTY OF Pitt Before me, the undersigned authority, personally appeared J.Randall Minton Sr who, being by me duly sworn deposes and states: I am of sound mind, capable of making this affidavit and personally acquainted with the facts herein stated: I am in charge of the records for REGIONAL ACCEPTANCE CORPORATION a CORPORATION organized and existing under the laws of the State of NORTH CAROLINA. In such capacity I am the custodian of the business records of such company and attached hereto are the pages of records which are kept and maintained under my control and supervision in the regular course of business by employees or representatives of the company with knowledge of the act, event, condition, opinion, or diagnosis recorded to make the record or transmit information thereof to be included in such record; and the record was made at or near the time of the act, event, condition, opinion or diagnosis. The attached statement of account and supporting documentation are business records of such company so kept, and such statement as well as the various items thereof are within my personal knowledge just, true and correct, and the originals or exact duplicates of the originals and the principal balance of $25,898.11 shown thereon is due and owing over and above all payments, credits and set offs, plus late fees in the amount of $129.51, plus repossession fees in the amount of $430.00, plus accrued interest in the amount of $6,049.59, plus interest from 07/11/2024 at 16.450% per annum by JERRY RAY OLIVER AND BRENDA OLIVER to such company. Charges for the above referenced services are reasonable, and the services were necessary. To the best of my knowledge and belief, the Defendant(s), JERRY RAY OLIVER AND BRENDA OLIVER, is/are not on active duty in the Armed Forces for the United States nor any branch thereof. Defendant(s) is/are not an infant or incompetent person. In witness whereof I have hereunto subscribed my name and affixed my official seal the 4th day of Mar, 2026 Notary Public My commission Expires: 5/10/2026 SHANNON LEIGH WHITE Notary Public Pitt Co., North Carolina My Commission Expires May 10, 2026 SIMPLE FINANCE CHARGE Buyer Name and Address (including County and Zip Code) JERRY RAT OLIVER Co-Buyer Name and Address (including County and Zip Code) BRANDA OLIVER Seller-Creditor (Name and Address) SHANNEIS AUTO MALL 712 E HIGHLAND DRIVE SPOKANE, OR 98012 You, the Buyer (and Co-Buyer, if any), may have the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreement set forth here. 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>2017</td> <td>DODGE 1300</td> <td>37506</td> <td>3093</td> <td>Personal family or household unless otherwise indicated below<br>☑ business <br>☑ agricultural</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>Amount Financed</th> <th>Total of Payments</th> <th>Total Sale Price</th> <th>Total Cost of Credit</th> <th>Fees</th> </tr> <tr> <td>16.48% $24,752.50</td> <td>$ 74,010.00$ 64,752.50$ 64,752.50</td> <td>$ 40,010.00$ 54,752.50$ 54,752.50</td> <td></td> <td></td> <td></td> <td></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>75</td> <td>863.50</td> <td>Morning beginning with first payment due on 03/16/2020<br>With final payment due on 05/16/2026</td> </tr> </table> Or As Follows: Late Charge: If payment is not received in full within 10 days after it is due, you will pay a late charge of $28.00 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. TERMINATION OF AMOUNT FINANCED 1. Cash Price (excluding tax): $0.00 (excludes tax) 2. Total Downpayment: $36,401.00 3. Trade-In: 2016 FORD F150 Gross Trade-In Allowance: $25,700.00 Less Pay Off by Seller: $25,700.00 Equals Net Trade In: $0.00 - Cash: $0.00 - Other: N/A - Other: $0.00 (If total downpayment is negative, enter "0" and see #4 below) 4. Unpaid Balance of Cash Price ($1 minus #3): $36,401.00 5. 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: Life: N/A Disability: N/A Vendor's Single Interest Insurance Paid to Insurance Company: $0.00 Other Optional Insurance Paid to Insurance Company or Company: $0.00 Optional Gas Contract: $1,000.00 B. Official Fees Paid to Government Agencies: $0.00 C. Government Certificate of Title Fee: $10.00 D. Other Charges (Seller must identify who is paid and describe purpose): Residential Appearance Deposit or Credit or Lease Balance: $599.00 Bark Warranty: $0.00 Bark Warranty Aftermarket: $0.00 Bark Warranty: $0.00 Bark Warranty: $0.00 Bark Warranty: $0.00 Bark Warranty: $0.00 Total Other Charges and Amounts Paid to Others on Your Behalf: $1,609.00* 6. Amount Financed ($5 + 4): $46,010.00* ** VENDOR'S SINGLE INTEREST INSURANCE (VS insurance): If the preceding box is checked, the Creditor requires VS insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (on-the-job, theft, collision, etc). VS insurance is for the Creditor's sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company as long as VS insurance is purchased. If you elect to purchase VS insurance through the Creditor, the cost of this insurance is $_________ and is also shown in Item 48 of the Disclosure of Amount Financed. The coverage is for the initial term of the contract. Any time before VS insurance settles, its right to subrogation against the Buyer. OPTION: ☐ You pay no finance charge if the Amount Financed, item 5, is paid in full on or before ____________________, Year ____________ SELLER'S INITIALS OPTIOAL GAP CONTRACT: A gap contract (debt consolidation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay any extra charges. If we choose to buy a gap contract, the charge is shown in Item 40 of the tabulation of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Term: 75 Mo. $863.50 I want to buy a gap contract. Buyer Signs Jerry Oliver NO COOLING OFF PERIOD State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract, you may only cancel if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. 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. NOW 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 Jerry Oliver Co-Buyer Signs Branda Oliver If any part of this contract is not valid, all other parts stay valid. We may easily 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 back 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 confirm that you received a completely filled-in copy when you signed it. Buyer Signs Jerry Oliver Date ________________ Co-Buyer Signs Branda Oliver Date ________________ 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 Seller assigns its interest in this contract to Regional Acceptance (Assigned under the terms of Seller's assignment(s) with Assignee) ☐ Assigned with recourse. ☐ Assigned without recourse. ☐ Assigned with limited recourse 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 and unpaid part of the Amount Financed and to other amounts owed under this contract in any order we choose as the law allows. c. How late payments or prepayments change what you owe us. We will figure the Finance Charge, Total of Payments, and Total Sale Price shown on the front of 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 increase if you pay late or prepay early. Charges may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount. Scheduled payments with a smaller final payment. We will send you a notice telling you about these charges 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 prepayment. 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 use 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 tamper with the vehicle, seize, confiscate, or involuntarily transfer. If we owe 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 interests. 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 premium or charges paid in advance. This secures your other agreements in this contract. You will make sure that no one else has a 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. Immunity. You must have the vehicle insured against loss 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 an additional insured and assign coverage to us. If your insurance coverage is insufficient, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy individual insurance covers your interest and our interest in the vehicle, or buy physical damage insurance and have it placed on both of our policies. If the insurance company or 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 coverage. A finance charge, computed at the Annual Percentage Rate shown on the front 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 report a claim to you. 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 the front. Acceptance of a late payment does not excuse your late payment or mean that you can avoid paying the late charge. 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 promise (default), we may demand that you pay all you owe on the contract even if that means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during a credit approval; • 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 possession of the vehicle from you if we so peacefully notify you. If the law allows us to do so, we will use a 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 we sell the vehicle in court, 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. We may repossess the vehicle if you do not 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 redemption ends when we sell the vehicle. f. We will sell the vehicle if you cannot 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 proceeds from the sale, less allowed expenses, to the amount you owe. Any remaining expenses are expenses we pay as a direct result of taking the vehicle, holding it, retaining it for sale, and selling it. Attorney fees and court costs, if any, are expenses we pay as 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 may keep the proceeds from the sale, provided otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest allowed by law. g. What we may do about optional insurance, maintenance, service, or other contracts. The contract may contain charges for optional insurance, maintenance, service, or other contracts. We understand 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 and recover the value of the benefits or claims, or obtain refunds of unearned charges to reduce what you owe. h. Vehicle manufacturer warranty. If the vehicle has a warranty, the vehicle manufacturer may provide the warranty. 4. WARRANTIES SELLER DISCLAIMS Unless the Seller makes a written warranty, or enters into a written contract within 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 fitness for a particular purpose. 5. 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. 6. SERVICING AND COLLECTION CONTACTS You agree that we may try 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 we provide us even if the telephone number is a cell phone number or the contact results in a charge to you. 7. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this 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. Sent Via First-Class Mail® October 20, 2023 BRENDA OLIVER NOTICE OF OUR PLAN TO SELL PROPERTY Account Number: [REDACTED] Contract Dated ("agreement"): 01/31/2020 Description of Collateral ("collateral"): <table> <tr> <th>Year:</th> <th>Make:</th> <th>Model:</th> <th>VIN:</th> </tr> <tr> <td>2017</td> <td>DODGE</td> <td>RAM 1500 PICKUP</td> <td>REDACTED 3093</td> </tr> </table> Dear BRENDA OLIVER: This is formal notice that we have the collateral because you broke promises in our agreement. We will sell the collateral at a private sale sometime after 11/04/2023. A sale could include a lease or license. The money we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the collateral back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at (800) 909-6467 or write us at Regional Acceptance Corporation, 1424 E. Fire Tower Road, Greenville, NC 27858. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at (800) 909-6467 or write us at Regional Acceptance Corporation, 1424 E. Fire Tower Road, Greenville, NC 27858 and request a written explanation. We will charge you $0.00 for the explanation if we sent you another written explanation of the amount you owe us within the last six (6) months. If you need more information about the sale, call us at (800) 909-6467, 8:00AM - 5:00PM Eastern, or write us at 1424 E. Fire Tower Road, Greenville, NC 27858. We are sending this notice to the following other people who have an interest in the collateral or who owe money under your agreement: JERRY OLIVER You are receiving this notice due to the legal requirements of the state where you originally signed the agreement and/or the state where you currently reside. Sincerely, Regional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 (800) 909-6467 *IMPORTANT BANKRUPTCY NOTICE: If you have received a bankruptcy discharge of your debts in the bankruptcy case, you are no longer personally liable to us for this debt, unless you have reaffirmed the debt. If either you, your spouse or anyone who is liable for this debt has filed bankruptcy, please contact us immediately at 1-800-993-1858 to provide information regarding the bankruptcy case(s). If either you, your spouse or anyone who is liable for this debt has filed for bankruptcy, we may be stayed from selling the repossessed collateral and from attempting to collect this debt from you. We may, however, seek to enforce any existing security interests and liens against the repossessed collateral and any other property that secures the debt. We will continue to proceed in accordance with all applicable laws and agreements. 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 THE CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. IMPORTANT CONSUMER NOTICES: If you are entitled to the protections of the United States Bankruptcy Code regarding the subject matter of this letter, this communication is not an attempt to collect a debt from you personally in violation of the bankruptcy code but is for informational purposes only. Regional Acceptance Corporation can 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. Attention Servicemembers and Dependents: The Federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including prohibiting repossession under most circumstances during the servicemember’s active duty service. Regional Acceptance Corporation will not repossess the property of a service member or his or her dependent during that time, unless pursuant either to a court order or a servicemember’s written waiver. You can contact us toll-free at (800) 909-6467 if you have questions about your rights under SCRA. Products and company names mentioned herein may be the trademarks of their respective owners. Sent Via First-Class Mail® October 20, 2023 JERRY OLIVER NOTICE OF OUR PLAN TO SELL PROPERTY Account Number: [REDACTED] Contract Dated ("agreement"): 01/31/2020 Description of Collateral ("collateral"): <table> <tr> <th>Year:</th> <th>Make:</th> <th>Model:</th> <th>VIN:</th> </tr> <tr> <td>2017</td> <td>DODGE</td> <td>RAM 1500 PICKUP</td> <td>[REDACTED] 3093</td> </tr> </table> Dear JERRY OLIVER: This is formal notice that we have the collateral because you broke promises in our agreement. We will sell the collateral at a private sale sometime after 11/04/2023. A sale could include a lease or license. The money we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the collateral back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at (800) 909-6467 or write us at Regional Acceptance Corporation, 1424 E. Fire Tower Road, Greenville, NC 27858. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at (800) 909-6467 or write us at Regional Acceptance Corporation, 1424 E. Fire Tower Road, Greenville, NC 27858 and request a written explanation. We will charge you $0.00 for the explanation if we sent you another written explanation of the amount you owe us within the last six (6) months. If you need more information about the sale, call us at (800) 909-6467, 8:00AM - 5:00PM Eastern, or write us at 1424 E. Fire Tower Road, Greenville, NC 27858. We are sending this notice to the following other people who have an interest in the collateral or who owe money under your agreement: BRENDA OLIVER You are receiving this notice due to the legal requirements of the state where you originally signed the agreement and/or the state where you currently reside. SEE IMPORTANT CONSUMER NOTICES AT END OF LETTER Sincerely, Regional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 (800) 909-6467 *IMPORTANT BANKRUPTCY NOTICE: If you have received a bankruptcy discharge of your debts in the bankruptcy case, you are no longer personally liable to us for this debt, unless you have reaffirmed the debt. If either you, your spouse or anyone who is liable for this debt has filed bankruptcy, please contact us immediately at 1-800-993-1858 to provide information regarding the bankruptcy case(s). If either you, your spouse or anyone who is liable for this debt has filed for bankruptcy, we may be stayed from selling the repossessed collateral and from attempting to collect this debt from you. We may, however, seek to enforce any existing security interests and liens against the repossessed collateral and any other property that secures the debt. We will continue to proceed in accordance with all applicable laws and agreements. 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 THE CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. IMPORTANT CONSUMER NOTICES: If you are entitled to the protections of the United States Bankruptcy Code regarding the subject matter of this letter, this communication is not an attempt to collect a debt from you personally in violation of the bankruptcy code but is for informational purposes only. Regional Acceptance Corporation can 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. Attention Servicemembers and Dependents: The Federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including prohibiting repossession under most circumstances during the servicemember’s active duty service. Regional Acceptance Corporation will not repossess the property of a service member or his or her dependent during that time, unless pursuant either to a court order or a servicemember’s written waiver. You can contact us toll-free at (800) 909-6467 if you have questions about your rights under SCRA. Products and company names mentioned herein may be the trademarks of their respective owners. Sent Via First-Class Mail® 02/02/2024 BRENDA OLIVER EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY Account Number: [REDACTED] <table> <tr> <th>Year:</th> <td>2017</td> <th>Model:</th> <td>RAM 1500 PICKUP</td> <th>Make:</th> <td>DODGE</td> </tr> <tr> <th>VIN:</th> <td>[REDACTED]3093</td> <th>Contract Date:</th> <td colspan="3">01/31/2020</td> </tr> </table> Dear BRENDA OLIVER: The above-referenced collateral was sold on 01/31/2024. The proceeds of the sale have been applied as detailed below as of 02/02/2024. If the application of the proceeds of the sale resulted in a surplus, we will return that amount to you unless we have to pay someone else with an interest in the collateral. If the application of the proceeds of the sale resulted in a deficiency, you remain liable to us for this deficiency and must pay this amount in full upon receipt of this notice. Contract Balance as of 10/19/2023: $43,274.12 Plus Late Fees: $129.51 Subtotal: $43,403.63 Proceeds of Sale: $13,200.00 Outstanding Balance Following Sale: $30,203.63 Plus Other Charges: Repossession Fees: $430.00 Storage Fees: $30.00 Sale Fees: $612.00 Legal Fees: $0.00 Other Fees: $0.00 Subtotal: $1,042.00 Less credit for unearned finance charge as of 02/02/2024: ($0.00) Less credit for cancelled insurance premiums as of 02/02/2024: ($0.00) Less other credit: ($0.00) Deficiency Balance as of 02/02/2024: $31,245.63 (The checked box applies to you.) [x] Deficiency balance for which you are liable and for which demand is hereby made: $31,245.63 [ ] No deficiency balance is owed because the debt was discharged in bankruptcy. Future debits, credits, charges, including additional credit service charges or interest, rebates, and expenses SEE IMPORTANT CONSUMER NOTICES AT END OF LETTER may affect the amount of the surplus or deficiency. Please write us at 1424 E. Fire Tower Road, Greenville, NC 27858 or call us at (800) 909-6467, 8:00AM - 5:00PM Eastern if you have any questions regarding this notice. Sincerely, Regional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 (800) 909-6467 *IMPORTANT BANKRUPTCY NOTICE: If you have received a bankruptcy discharge of your debts in the bankruptcy case, you are no longer personally liable to us for this debt, unless you have reaffirmed the debt. If either you, your spouse or anyone who is liable for this debt has filed bankruptcy, please contact us immediately at 1-800-993-1858 to provide information regarding the bankruptcy case(s). If either you, your spouse or anyone who is liable for this debt has filed for bankruptcy, we may be stayed from selling the repossessed collateral and from attempting to collect this debt from you. We may, however, seek to enforce any existing security interests and liens against the repossessed collateral and any other property that secures the debt. We will continue to proceed in accordance with all applicable laws and agreements. 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 THE CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. IMPORTANT CONSUMER NOTICES: If you are entitled to the protections of the United States Bankruptcy Code regarding the subject matter of this letter, this communication is not an attempt to collect a debt from you personally in violation of the bankruptcy code but is for informational purposes only. Regional Acceptance Corporation can 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. Attention Servicemembers and Dependents: The Federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including prohibiting repossession under most circumstances during the servicemember’s active duty service. Regional Acceptance Corporation will not repossess the property of a service member or his or her dependent during that time, unless pursuant either to a court order or a servicemember’s written waiver. You can contact us toll-free at (800) 909-6467 if you have questions about your rights under SCRA. Sent Via First-Class Mail® 02/02/2024 JERRY OLIVER EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY Account Number: [REDACTED] Description of Collateral: <table> <tr> <th>Year:</th> <td>2017</td> <th>Model:</th> <td>RAM 1500 PICKUP</td> <th>Make:</th> <td>DODGE</td> </tr> <tr> <th>VIN:</th> <td>[REDACTED]</td> <th>Contract Date:</th> <td>01/31/2020</td> </tr> </table> Dear JERRY OLIVER: The above-referenced collateral was sold on 01/31/2024. The proceeds of the sale have been applied as detailed below as of 02/02/2024. If the application of the proceeds of the sale resulted in a surplus, we will return that amount to you unless we have to pay someone else with an interest in the collateral. If the application of the proceeds of the sale resulted in a deficiency, you remain liable to us for this deficiency and must pay this amount in full upon receipt of this notice. Contract Balance as of 10/19/2023: $43,274.12 Plus Late Fees: $129.51 Subtotal: $43,403.63 Proceeds of Sale: $13,200.00 Outstanding Balance Following Sale: $30,203.63 Plus Other Charges: Repossession Fees: $430.00 Storage Fees: $30.00 Sale Fees: $612.00 Legal Fees: $0.00 Other Fees: $0.00 Subtotal: $1,042.00 Less credit for unearned finance charge as of 02/02/2024: ($0.00) Less credit for cancelled insurance premiums as of 02/02/2024: ($0.00) Less other credit: ($0.00) Deficiency Balance as of 02/02/2024: $31,245.63 (The checked box applies to you.) ☒ Deficiency balance for which you are liable and for which demand is hereby made: $31,245.63 ☐ No deficiency balance is owed because the debt was discharged in bankruptcy. Future debits, credits, charges, including additional credit service charges or interest, rebates, and expenses SEE IMPORTANT CONSUMER NOTICES AT END OF LETTER may affect the amount of the surplus or deficiency. Please write us at 1424 E. Fire Tower Road, Greenville, NC 27858 or call us at (800) 909-6467, 8:00AM - 5:00PM Eastern if you have any questions regarding this notice. Sincerely, Regional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 (800) 909-6467 *IMPORTANT BANKRUPTCY NOTICE: If you have received a bankruptcy discharge of your debts in the bankruptcy case, you are no longer personally liable to us for this debt, unless you have reaffirmed the debt. If either you, your spouse or anyone who is liable for this debt has filed bankruptcy, please contact us immediately at 1-800-993-1858 to provide information regarding the bankruptcy case(s). If either you, your spouse or anyone who is liable for this debt has filed for bankruptcy, we may be stayed from selling the repossessed collateral and from attempting to collect this debt from you. We may, however, seek to enforce any existing security interests and liens against the repossessed collateral and any other property that secures the debt. We will continue to proceed in accordance with all applicable laws and agreements. 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 THE CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. IMPORTANT CONSUMER NOTICES: If you are entitled to the protections of the United States Bankruptcy Code regarding the subject matter of this letter, this communication is not an attempt to collect a debt from you personally in violation of the bankruptcy code but is for informational purposes only. Regional Acceptance Corporation can 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. Attention Servicemembers and Dependents: The Federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including prohibiting repossession under most circumstances during the servicemember’s active duty service. Regional Acceptance Corporation will not repossess the property of a service member or his or her dependent during that time, unless pursuant either to a court order or a servicemember’s written waiver. You can contact us toll-free at (800) 909-6467 if you have questions about your rights under SCRA.