&2//(&7,21 $*(1&< &+(&./,67 - sos.nebraska.gov · scratch services, llc...

If Branch Office Certificates is Checked, please indicate the # of Branches:

If Solicitor is Checked, please indicate the # of Solicitors:

COLLECTION AGENCY CHECKLISTAPPLICATION CHECKLIST FOR:

1. All forms were submitted for application

2. All licensing fees deposited

(Make sure the check has passed through the bank before licensing the agency)

First Name Last Name

Agency NameSCRATCH SERVICES, LLC

Application

List of 10 customers (out of state licensees)(MUST include a full address for each client listed)

Financial Statement

Officer's Interrogatory (must provide a list to verify)

Three personal reference letters (individual - partnership applicants only)

Branch Office Certificates

1

Oath of Application - make sure signed

List of other state licenses and agencies issuing license

Solicitor

9

Amount$459.00

Receipt #

of 3SOS Licensing Checklist - Collection Agency

7/16/2020https://ecmapp18.ne.gov/AppServer/UnityForm/Form/HttpServiceHandler.ashx?id=0d132...1

Authorized to do business in State:

Copy of Articles of Incorporation/Organization Included:

3. Bond Submitted

4. Agency Information

*** Run credit reports for individual and partnership applicants ***

Yes No

Bond NumberSU1152014

Bond Amount$15,000.00

Bond Expiration Date12/31/2020

Bond ProviderARCH INSURANCE COMPANY

Agency TypeLLC

Yes No

Yes No N/A



5. Financial Checklist

A. Requirements (return to applicant for further information or correction if allitems not checked)

B. Additional Information Needed (ask applicant for more information if any of theseitems are checked)

Notes/Comments

Name: SCRATCH SERVICES, LLC

Date stated in “Financial condition as of” section must be completed and less than 6 months old at the time of submission

Client funds in trust account (unless new business)

Trust account balance is equal to or exceeds amount listed in accounts payable to clients

Total liabilities and net worth match total assets

Average monthly income and expense completed (unless new business)

Financial institutions completed

Any Lawsuits pending or judgments entered completed

No amount listed in accounts receivable from clients (other than new business)

No cash on hand or in checking account

Applicant answered “yes” to any of the additional information questions at the bottom of the form, but did not provide any supplementary information

Cash on hand or in savings or checking accounts plus liquid assets is less than $10,000

Total assets less than $20,000



52%(57�%��(91(16ecretary of State

State Capitol��1�6WUHHW��6XLWH��Lincoln, NE 6850�

NEBRASKA COLLECTION AGENCY BOARD INITIAL COLLECTION AGENCY LICENSE APPLICATION

Please complete the following questions. If additional space is needed for any question, you may attach a separate sheet to the application. The investigation fee of $200.00 and the license fee of $200.00 must be paid when the application is submitted. The investigation fee is non-refundable.

Date ____________________________ Applicant is a(n): Individual ____ Partnership ____ LLC ____ Corporation ____

Agency Name ______________________________________________________________________________________

Agency Owner(s)____________________________________________________________________________________(List all owners holding shares or ownership interests in the agency along with the percentage of interest held)

Business Street Address ___________________________________________________________________________________

Telephone No. _____________________________________ Fax No. _____________________________________

Licensing Contact Person _________________________________Telephone No. _______________ Email Address____________________

Complaint Contact Person _________________________________Telephone No._______________ Email Address____________________

Nebraska Office Street Address _____________________________________________________________________________(Out of state agencies must have a Nebraska Office Address – Refer to Chapter 10 of the Rules and Regulations)

Telephone No. __________________________________ Contact Person _____________________________________

1. Discuss in brief your business history, organizational structure, type of collection related business engaged in (or to be engaged in, if not yetactive) and if you have been in business prior to this application or have ever held a Nebraska Collection Agency License.

2. Does your business handle accounts and money? ____ yes ____ no

3. If licensed, have you ever had any disciplinary action by an agency or board? ____ yes ____ no If yes, explain on a separate sheet.

4. Will the business use any additional names for the collection agency? ____ yes ____ no If yes, list on a separate sheet. (Includingregistered trade names).

5. Applicants who are corporations or limited liability companies: please list on a separate sheet the names and resident addresses of thepresident, vice president, secretary, treasurer and other officers having a right to participate in the management of the collection agency.

6. Applicants licensed in another state: attach a listing of the states and the agencies issuing the license.

7. Out of state applicants already doing business outside Nebraska: please list ten (10) customers showing their names, completeaddresses, and telephone numbers for reference purposes on the attached sheet.

8. Individual or Partnership applicants must provide three (3) letters of personal reference (each).

06/26/2020

Scratch Services, LLC

Scratch PHX, Inc. (100%)

375 Alabama Street, Suite 360, San Francisco CA 94110

(415) 651-2587 N/A

Jessica Lokumkiattikul (415) 651-2587 [email protected]

Jenna DeBrincat (415) 651-2587 [email protected]

301 South 13th Street, Suite 500, Lincoln, NE 68508

402 437-8500 James Overcash

Please see Attachment A.

Scratch Services, LLC ('Scratch') currently holds a Nebraska Collection Agency License (No.1293). However, due to achange in Scratch's parent company, we have been advised by the Secretary of State's Office to submit a new applicationfor a Nebraska Collection Agency License.

✔

✔

✔

✔

4

Attachment A — Discuss in brief your business history, organizational structure, type of collection related business engaged in (or to be engaged in, if not yet active) and if you have been in business prior to this application or have ever held a Nebraska Collection Agency License. Scratch Services, LLC ('Scratch') is a modern-day loan servicer founded in 2015 and services a number of different loan types and asset classes across the United States, including private student loans, secured and unsecured consumer loans, small business loans and construction finance loans. Scratch is a limited liability company and is a wholly-owned subsidiary of Scratch PHX, Inc. With this license and in accordance with applicable laws, Scratch intends to send collections communications (letters, email, and SMS) to, and to call, Nevada borrowers whose loans we service to the extent the borrower is delinquent on their loan. Scratch currently holds a Nebraska Collection Agency License (No.1293). However, due to a change in Scratch's parent company, we have been advised by the Secretary of State's Office to submit a new application for a Nebraska Collection Agency License.

5

Attachment B — Officers and control persons of Scratch Services, LLC

Title Name Address

Chief Executive Officer and President

Sameh Elamawy 418 Linden Street San Francisco California 94102

Chief Technology Officer Yash Kumar 1595 Treat Avenue San Francisco California 94110

Chief Operating Officer Alexis Zhu 1 Polk Street, Unit 2003 San Francisco California 94102

7

OFFICERS' INTERROGATORY

This interrogatory must be completed by each officer or other individual having a right to participate in the management of the applicant's business in the State of Nebraska. If additional forms are needed, copies may be made.

_____________________________________________________________ Name of Officer ___________________________________

Title ______________________________________________________________________________________________________ Residence Address, City, State, Zip

List the places where you have been engaged in any kind of business or vocation accounting for the entire period since you left school or college. If additional space is needed, attach a separate sheet to application.

Nature of Business ______________________________________________________________________________________

Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________

Position held ____________________________________________________ From ____________ To ____________


Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________

Position held _____________________________________________________ From ____________ To ____________


Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________


page 1

Sameh Elamawy Chief Executive Officer

418 Linden St. San Francisco, CA 94102

Loan Servicing

375 Alabama St. Suite 360 San Francisco, CA 94110

Founder/Chief Executive Officer 09/2015 Present

Computer Software

Dropbox

185 Berry St. Suite 400 San Francisco, CA 94107

Founder & Chief Executive Officer 10/2014 09/2015

Application Software

MoveTogether

180 Sansome St. San Francisco, CA 94104

Founder & Chief Executive Officer 06/2012 10/2014

Accounting

Booz & Co (now Pricewaterhouse Cooper)

Tower 1 Sheikh Zayed Rd. Dubai, UAE

Summer Associate 06/2011 08/2011

Proctor & Gamble

Cairo Festival City Bldg. 14D06 5th District, New Cairo, Egypt

Global Product & Initiative Manager 01/2005 09/2010

Scratch Services, Inc & Scratch Services, LLC

Consumer goods

Scratch Services, LLC and Scratch Services, Inc.

Attachment

8

Have you ever been engaged in any kind of collection agency work? _____ yes _____ no If so, how long? _____________

Describe position ________________________________________________________________________________________

Have you ever been licensed in any other state as an owner, manager, or solicitor of a collection agency? _____ yes _____ no

If so, where? __________________________________________________________ When? __________________________

Has your application for a license as an owner, manager, or solicitor of a collection agency ever been rejected in any other state? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Has your license as an owner, manager, or solicitor of a collection agency ever been revoked or suspended in any other state? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Have you ever been convicted of any criminal offense or is there any criminal charge against you now pending (other than minor traffic violations)? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Have you been convicted of fraud in any court within the past five years? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Has there been any judgment entered against you for failure to account to your client money or property for such client or customer in the last five years? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Have you read and do you understand the provisions of the Collection Agency Licensing Act? _____ yes _____ no

List the names and addresses of three people unrelated to you who can attest to your reputation for honesty and fair dealings.

Name __________________________________________________________________________________________________

Address _________________________________________________________________________________________________

Name __________________________________________________________________________________________________

Address _________________________________________________________________________________________________

Name __________________________________________________________________________________________________

Address _________________________________________________________________________________________________

AUTHORIZATION FOR RELEASE OF INFORMATION

I hereby authorize the Secretary of State as Chairman of the Nebraska Collection Agency Board to investigate and verify any information contained in my collection agency application or any other information relevant to my qualifications for licensure.

____________________________________________________ __ ______________________ Signature Social Security Number * (optional)

*Failure to disclose your social security number will not affect your license application, but will be used by the Board to assist inverifying background information provided, including credit history checks. The number is being requested under Nebr. RevisedStatute 45-607 which lists qualifications and disqualification’s for licensees and officers, and in accordance with previous CollectionAgency Licensing Board practice.

✔

✔

✔

✔

✔

✔

✔

✔

Sunny Rochiramani

1800 Owens St. San Francisco, CA 94158

Ilya Fushman

101 S. Park St. San Francisco, CA 94107

Jay Schneider

1 Embarcadero Center St. 1120, San Francisco CA 94111

XSee over page See over page

9

Attachment to Officer Interrogatory of Sameh Elamawy

Additional information in respect of question: “Have you ever been licensed in any other state as an owner, manager, or solicitor of a collection agency?” ‘If so, where?” “If so, when?”

Sameh Elamawy does not hold any individual licenses in his own name in connection with collection agency activities.

Sameh Elamawy is listed as a Manager / Designated Individual under the following collection agency licenses held by Scratch Services, LLC:

Where When

Alaska Collection Agency License Present

Arizona Collection Agency License Present

Maryland Collection Agency License Present

North Dakota Collection Agency License Present

Oregon Collection Agency Registration Present

10



_____________________________________________________________ ___________________________________Name of Officer Title

______________________________________________________________________________________________________ Residence Address, City, State, Zip



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________


page 1

03/2018

Loan Servicing

UBS Invesetment Bank

Summit Partners

Affirm, Inc.

Dote, Inc.

Investment Banking

Venture Capitalist & Private Equity

Computer Software

06/2010

05/2013

05/2017

11/2017VP, Partnerships and Operations

Head of Strategic Brands

Associate, Healthcare Private Equity Team

Analyst, Global Healthcare Investment Banking Team

1 Polk St. San Francisco, CA 94102

Head of Growth, COO of Scratch Services, LLC

Alexis Zhu

515 Alabama St. San Francisco, CA 94110

Chief Operating Officer

650 California St. San Francisco, CA 94108

200 Middlefield Rd. Suite 200 Menlo Park, CA 94205

299 Park Ave. New York, NY 10166

Financial Services

07/2008

07/2010

Scratch Services, Inc

05/2013

05/2017

375 Alabama St. Suite 360

Current

Scratch Services, LLC & Scratch Services, Inc.and Scratch Services, Inc.

11

Have you ever been engaged in any kind of collection agency work? _____ yes _____ no If so, how long? _____________

Describe position ________________________________________________________________________________________

Have you ever been licensed in any other state as an owner, manager, or solicitor of a collection agency? _____ yes _____ no

If so, where? __________________________________________________________ When? __________________________

Has your application for a license as an owner, manager, or solicitor of a collection agency ever been rejected in any other state? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Has your license as an owner, manager, or solicitor of a collection agency ever been revoked or suspended in any other state? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Have you ever been convicted of any criminal offense or is there any criminal charge against you now pending (other than minor traffic violations)? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Have you been convicted of fraud in any court within the past five years? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Has there been any judgment entered against you for failure to account to your client money or property for such client or customer in the last five years? _____ yes _____ no If so, explain giving exact dates, places, parties involved, and full details on a separate sheet.

Have you read and do you understand the provisions of the Collection Agency Licensing Act? _____ yes _____ no

List the names and addresses of three people unrelated to you who can attest to your reputation for honesty and fair dealings.

Name __________________________________________________________________________________________________

Address _________________________________________________________________________________________________

Name __________________________________________________________________________________________________

Address _________________________________________________________________________________________________

Name __________________________________________________________________________________________________

Address _________________________________________________________________________________________________

AUTHORIZATION FOR RELEASE OF INFORMATION

I hereby authorize the Secretary of State as Chairman of the Nebraska Collection Agency Board to investigate and verify any information contained in my collection agency application or any other information relevant to my qualifications for licensure.

____________________________________________________ Signature

*Failure to disclose your social security number will not affect your license application, but will be used by the Board to assist inverifying background information provided, including credit history checks. The number is being requested under Nebr. RevisedStatute 45-607 which lists qualifications and disqualification’s for licensees and officers, and in accordance with previous CollectionAgency Licensing Board practice.

✔

_______ Social Security Number * (optional)

Amir Malayery

30 Hotaling Pl 3rd Floor, San Francisco, CA 94111

Rob Pfeifer

301 Howard Street, San Francisco, CA 94105

Michelle Yam

949 Fell Street, San Francisco, CA 94117

x

x

x

x

x

x

x

x

12



_____________________________________________________________ ___________________________________ Name of Officer Title ______________________________________________________________________________________________________ Residence Address, City, State, Zip



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________



Employer ______________________________________________________________________________________________

Address ________________________________________________________________________________________________


page 1

Scratch Services, LLC & Scratch Platform, LLC

Yash Kumar Chief Technology Officer

1595 Treat Ave. San Francisco, CA 94110

Loan Servicing

375 Alabama St. Suite 360 San Francisco, CA 94110

CTO, of Scratch Services, LLC 10/2019 Present

Computer Software

Google

1600 Amphitheatre Parkway, Mountain View, CA 94043

Engineering Leader 11/2011 10/2019

and Scratch Platform, LLCScratch Services, LLC and Scratch Platform, LLC

Chief Technology Officer of Scratch Services, LLC

Scratch Platform, LLC

13

Ajay Somani

145 4th Ave #9p, New York, NY 10003

Akhil Ravidas

3223 Thatcher Ave, Venice, CA 90292

Dhruv Amin

3521 20th Street San Francisco CA 94110

14

List of 10 Customers for Reference

Customer Name Customer Address Contact Person & Phone Number

1. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

2. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

3. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

4. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

5. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

6. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

7. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

8. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

9. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

10. ______________________________ ___________________________ ________________________ ______________________________ ___________________________ ________________________

Meritize Lending, LLC 5757 Main St. #207 Frisco, TX 75034 Jim Hensley

917 833-637-4800

OneBlinc, LLC 201 S. Biscayne Blvd. #1200 Gilberto Hackl

Miami, FL 33131 519-501-7422

Funding-University, Inc. 1447 Peachtree St. NE Jessica Dyer

Atlanta, GA 30309 855-537-5457

BlockFi Lending, LLC 150 Broadway, 19th Fl Amit Cheela

New York, NY 10038 847-881-6345

Sky Bridge Financial, LLC 6200 Tennyson Pkwy. #150 Danielle Bush

Plano, TX 75024

Doc2Doc Lending, Inc. 918 Peachtree Battle Cl. Rachel Allen

Atlanta, GA 30327 802-299-8564

Wisetack, Inc 38 Bluxome St. San Francisco 917-565-0237

CA, 94107

CommonBond Lending, LLC 524 Broadway 6th fl. Robb Granado

New York, NY 10012

15

Licenses in other states

Scratch Services, LLC (‘Scratch’) is licensed to service loans in states across the United States and in D.C., including small business loans, secured and unsecured consumer loans, private student loans, construction finance loans, equipment financing loans, and debt consolidation loans.

Scratch has licenses with various regulatory agencies according to the jurisdictions in which our borrowers are located, the type of loans we service and the servicing activities for which a license is required in that jurisdiction. The licenses Scratch holds include collection agency licenses, consumer loan licenses, business licenses, student loan licenses, mortgage servicer licenses and others.

Given the number and variety of licenses and issuing agencies, it is not practical for us to list all states and agencies that issue licenses to Scratch. However, we have included a list of collection agency licenses issued to Scratch in the form requested, in the following pages.

16

Current Licenses Held by Applicant

State or Jurisdiction Issued by License # Date Originally Issued 1. _____________________ ________________________ ____________ ____________________ 2. _____________________ ________________________ ____________ ____________________ 3. _____________________ ________________________ ____________ ____________________ 4. _____________________ ________________________ ____________ ____________________ 5. _____________________ ________________________ ____________ ____________________ 6. _____________________ ________________________ ____________ ____________________ 7. _____________________ ________________________ ____________ ____________________ 8. _____________________ ________________________ ____________ ____________________ 9. _____________________ ________________________ ____________ ____________________ 10._____________________ ________________________ ____________ ____________________

(attach additional pages if needed)

Alaska State of Alaska Dept of Commerce, Community, & Economic Development Div of Corp, Business & Professional Licensing113862 6/30/19

Alaska State of Alaska Dept of Commerce, Community, & Economic Development Div of Corp, Business & Professional Licensing131280 6/30/19

Arkansas Arkansas State Board of Collection Agencies5425 6/30/19

Arizona Arizona Dept of Financial Institutions 0943974 9/13/2017

Florida Florida Office of Financial RegulationsCCA9903847 12/31/18

Hawaii Hawaii Dept of Commerce & Consumer Affairs, Professional & Vocational Licensing Div.COLAX-1017 1/31/19

Idaho Idaho Department of Finance CCA-9816 1/24/2018

Iowa Iowa Office of the Attorney General523007 1/31/19

Kansas Kansas Office of State Bank CommissionerNOT.0026518 4/30/19

Louisiana Louisiana Secretary of State 42268386I 5/13/2016

Page 1

5/13/16

5/1/20

Date originally issued**Where original issue date unavailable, we have included date license last renewed.

*

State of Alaska Department of Commerce

State of Alaska Department of Commerce

Arkansas State Board of Collection Agencies

Arizona Department of Financial Institutions

Florida Office of Financial Regulation

Hawaii Department of Commerce and Consumer Affairs

Office of the Attorney General

Kansas Office of State Bank Commissioner

17


State or Jurisdiction Issued by License # Date Originally Issued

_____________________ ________________________ ____________ ____________________ 2. _____________________ ________________________ ____________ ____________________ 3. _____________________ ________________________ ____________ ____________________

_____________________ ________________________ ____________ ____________________ 5. _____________________ ________________________ ____________ ____________________ 6. _____________________ ________________________ ____________ ____________________ 7. _____________________ ________________________ ____________ ____________________ 8. _____________________ ________________________ ____________ ____________________ 9. _____________________ ________________________ ____________ ____________________ 10._____________________ ________________________ ____________ ____________________


12/31/18

Maryland Maryland Department of Labor 04-7429 9/14/2016

New Jersey New Jersey Treasury Division of Revenue & Enteprise Services15511 6/7/19

New York-Buffalo New York City of Buffalo Office of LicensesCAG16-10037515 9/30/20

New York-New York City NYC Dept of Consumer & Worker Protection2056475-DCA 1/31/20

North Dakota North Dakota Dept of Financial InstitutionsCA103020

Oregon Oregon Division of Financial Regulation50165 9/16/2016

Tennessee Tennessee Dept. of Commerce & Insurance2395 5/5/19

Texas Texas Secretary of State 20180099 5/4/19

Utah Utah Dept of Commerce, Division of Corp & Commercial Code9809756-0131 6/7/19

Washington Washington State Dept of Revenue60430332600100016/30/19

7/28/2016

11.

12.

13.

14.

15.

16.

17.

18.

19.

20.

Page 2

5/6/20


*

New Jersey Division of Taxation

New York City of Buffalo Collection Agency License

New York City Department of Consumer and Worker Protection

North Dakota Department of Financial Institutions

Oregon Division of Financial Regulation

Utah Dept of Commerce Division of Corporations

Washington State Department of Revenue

18


State or Jurisdiction Issued by License # Date Originally Issued

_____________________ ________________________ ____________ ____________________ 2. _____________________ ________________________ ____________ ____________________ 3. _____________________ ________________________ ____________ ____________________ 4. _____________________ ________________________ ____________ ____________________ 5. _____________________ ________________________ ____________ ____________________ 6. _____________________ ________________________ ____________ ____________________ 7. _____________________ ________________________ ____________ ____________________ 8. _____________________ ________________________ ____________ ____________________

9. _____________________ ________________________ ____________ ____________________ 10._____________________ ________________________ ____________ ____________________


**Note**Perpetual license, have asked regulator to confirm issue date; pending response

21.

Page 3


West Virgina West Virginia State Tax Dept 2332-6727 6/1/20

*

19

______________________________________

______________________________________

NEBRASKA COLLECTION AGENCY BOARD PERSONAL/CORPORATE FINANCIAL STATEMENT

(This form must be completed) A completed financial statement must be completed for the owner if for a sole proprietorship OR the business entity if for a partnership, corporation, or limited liability company. The information is required so that the Board can properly evaluate the applicants’ ability to qualify for such license. The Board is authorized to make all inquiries deemed necessary to verify the accuracy of the statements made herein to determine the qualification to secure such license.

The following is being submitted by ________________________________________(name and title) as a true and accurate statement of financial condition of ________________________________________(name of applicant) on __________, 20____. (Must be no more than 6 months old)

Type of Business: Individual ___ Partnership ___ LLC ___ Corporation ___

ASSETS, LIABILITIES AND NET WORTH

ASSETS: Current Assets:

Cash on hand

Cash in Bank (Itemize) (a) Trust Account (Client Funds) (b) Operating Account (c) Other Bank Accounts

Accounts Receivable a) Clients b) Other

Notes Receivable

Other (Itemize) __________$__________ __________$__________

TOTAL CURRENT ASSETS Fixed Assets:

Furniture, Fixtures, etc.

Real Estate

Other (Itemize) __________$__________ __________$__________

TOTAL FIXED ASSETS

LIABILITIES & NET WORTH: Accounts Payable

a) Clients b) Other

Taxes Payable (Itemize) __________$__________ __________$__________ __________$__________

Real Estate Mortgages payable to:

Notes Payable to Banks a) Secured b) Unsecured

Notes Payable to Other - Specify:

TOTAL ASSETS

(omit cents)

$__________

$__________ $__________ $__________

$__________ $__________

$__________

$__________

$__________

$__________

$__________

$__________

$__________

$__________

$__________ $__________

$__________

$__________

$__________ $__________

$__________

Sameh Elamawy, Chief Executive OfficerScratch Services, LLC March 31 20

8850821661251373

149503107710

1030000Restricted Cash1030000

2240280

2240280

88252389118

Intercompany Balance 1031502

20

Other Liabilities (Itemize) __________$__________ __________$__________ __________$__________

NET WORTH: Investment/Capital Stock

Surplus

Retained Earnings

TOTAL NET WORTH

INCOME AND OPERATING EXPENSES Average Monthly Income (average over past 6 months) $__________

Average Monthly Expenses (average over past 6 months) $__________

TOTAL LIABILITIES

TOTAL LIABILITIES & NET WORTH

$__________

$__________

$__________

$__________

$__________

$__________

$__________

ADDITIONAL INFORMATION

List the names and addresses of your financial institutions:

1._______________________________________________________________________________________________

2._______________________________________________________________________________________________

3._______________________________________________________________________________________________

4._______________________________________________________________________________________________

Please list and give a brief explanation of all Lawsuits pending or judgments entered against the applicant agency in the last 3 years (attach information if needed)

Does the applicant agency have any debts, obligations, or potential liabilities of the applicant not listed elsewhere on this application _______yes _______ no

Is the applicant an endorser, co-maker/signer or guarantor on an outstanding liability? ______ yes ______ no

Are any assets of the applicant, including stock, pledged or assigned other than those described? ______ yes ______ no

Has the applicant filed bankruptcy in the last 10 years? ______ yes ______ no

If you answered yes to any of the above questions, please attach additional pages and explain in detail, including an estimate of the liability or debt where applicable.

48370Acc.Exp 10889Def. Rev 34687Emp.Ben 2794

2051513

2081000

-1892233

188767

2240280

120153

84073

Wells Fargo Bank, N.A. 420 Montgomery Street, San Francisco, CA 94104

Please see over page.

21

Additional information of Scratch Services, LLC — NEBRASKA COLLECTION AGENCY BOARD CORPORATE FINANCIAL STATEMENT Please list and give a brief explanation of all Lawsuits pending or judgments entered against the applicant agency in the last 3 years (attach information if needed)

Scratch Services, LLC (‘Scratch’) has been joined as second defendant in a proceeding initiated by the borrower of one of Scratch's lender customers, being the first defendant. The substance of the dispute underlying the claim is solely as between the plaintiff and the first defendant and it is unclear why Scratch has been joined to the claim or what precise claim is being made against Scratch, who it is suspected was added to the claim in an effort to destroy diversity jurisdiction (given both Scratch and the plaintiff have a physical presence in California; and the loan agreement as between the borrower and lender nominates Delaware as the exclusive jurisdiction for disputes). Given the lack of clarity as to what claims were being made against Scratch, Scratch filed a Notice of Demurrer with the court on June 15, 2020 primarily on the basis that the plaintiff failed to state sufficient facts to constitute a cause of action against Scratch. Scratch also joined the first defendant's motion to stay, or in the alternative, to dismiss, the plaintiff's action on the ground of forum non conveniens. The case is scheduled to be heard on July 24, 2020.

22

List of collectors to be licensed Scratch Services, LLC 375 Alabama St. Suite 360 San Francisco, CA 94110 1293 Licensee/Applicant Legal Name Licensee Address Licensee#

Employee First Name

Employee Last Name

Alias First Name

Alias Last Name

Hire Date Term Date Added Change Removed

1. Terry Ramirez Charlie Bryant 2/21/17 N/A Yes

2. Andrew Kotov Tracy N/A 9/3/19 N/A Yes

3. Eric Munoz Angel N/A 7/8/19 N/A Yes

4. Gizelle Fong Joey N/A 7/8/19 N/A Yes

5. Kimmy Ly Rian N/A 4/22/19 N/A Yes

6. Amy Wynn Taylor N/A 3/2/20 N/A Yes

7. Lavelle Loggins Jordan Green 3/19/19 3/26/20 Yes

8. Libby Frauenberger Shawn Mitchell 8/13/18 2/21/20 Yes

9. Chantal Lavdiotis Jessi N/A 10/28/19 2/21/20 Yes

10.

11.

Attachment J

27

Attachment K — Branch office to be licensed Scratch Services, LLC is requesting the following branch office be licensed:

Scratch Services, LLC 375 Alabama Street, Suite 360

San Francisco, CA 94110

28

DelawareThe First State

Page 1

5888459 8100 Authentication: 10532024SR# 20151084403 Date: 12-02-15You may verify this certificate online at corp.delaware.gov/authver.shtml

I, JEFFREY W. BULLOCK, SECRETARY OF STATE OF THE STATE OF

DELAWARE, DO HEREBY CERTIFY THE ATTACHED IS A TRUE AND CORRECT

COPY OF THE CERTIFICATE OF FORMATION OF “SCRATCH SERVICES,

LLC”, FILED IN THIS OFFICE ON THE TWENTY-FIFTH DAY OF NOVEMBER,

A.D. 2015, AT 1:32 O`CLOCK P.M.

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Resident Agent details The resident agent of Scratch Services, LLC in Delaware, its state of formation, is: The Corporation Trust Company 1209 Orange St. Wilmington, DE 19801 (302) 658-7581 [email protected]

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