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FINAL NOTICE OF OUTSTANDING DEBT Case Reference: CSA-ACE-G25-2710795-45A Record Number: 25-QS-10919-SZ-1 Default Account No.: CSAxxxx2991 Client: ACE Cash Express (Cash Advance Group Inc.) Balance Due: $1,630.45 Settlement Offer: $815.22 (Save 50%) Attorney of Record: Jessica Armstrong, Esq. Email Contact: [email protected] Subject: Final Notice – Immediate Action Required to Settle Your Outstanding Account-(Case #:CSA-ACE-G25-2710795-45A) Dear Debtor, This letter serves as a final and formal demand for the payment of a delinquent payday loan currently owed to ACE Cash Express, hereafter referred to as the Creditor. Despite multiple prior notices, this account remains in default. Creditor's Rights Please be advised that ACE Cash Express, as the parent company of multiple affiliated lenders including Cash Advance USA, Cash Net USA, Speedy Cash, Rapid Cash, Advance America, and others, retains full rights to collect this debt under applicable lending and collections laws. Your obligation to repay remains enforceable regardless of the originating subsidiary. Current Debt Summary: Total Balance Due: $1,630.45 Settlement Offer (Valid for 24 Hours): $815.22 (One-Time Payment) Alternative Settlement Option: $450.10 today, followed by $450.10 in 14 days Alternative Payment Plan: $250 initial payment today to hold the account 7 bi-weekly payments of $197.20 to satisfy the remaining balance Potential Legal Consequences of Continued Non-Payment: Should you fail to respond or remit payment within 24 hours, your case will be escalated to our litigation department, where the following legal actions may be initiated: Civil suit seeking judgment for the full balance of $5,590.81 (including court costs, legal fees, statutory penalties, and accrued interest). Wage garnishment proceedings, in accordance with state and federal law. Formal notification to your employer and designated references regarding the pending legal action. Negative reporting to major credit bureaus, adversely affecting your credit profile. Referral to the United Legal Investigation Bureau for allegations including: Violation of Federal Banking Regulations Collateral Check Fraud Theft by Deception Electronic Funds Transfer Violations Immediate Action Required To avoid further legal escalation, you must remit payment or contact our office within 24 hours of receipt of this notice. This is your final opportunity to resolve the matter amicably and outside of court. To accept the settlement or initiate a payment plan, contact us at: ?? [email protected] Failure to respond will result in immediate legal proceedings without further notice. We strongly urge you to address this matter today.