Northern Leasing Systems

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: I AM DISABLED AND HAVE NO MONEY LEAVE ME ALONE! In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

[redacted] *** [redacted] Dear Revdex.com: Northern Leasing Systems, Inc(“NLSI”) has received your letter concerning the above-referenced complaint and thanks you for the opportunity to replyUpon reviewing your letter regarding the lease agreement (the “Agreement”), NLSI hereby responds as follows: NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipmentIt does not, however, provide merchant processing services The responsibilities of the Merchant Services or the Independent Sales Organization provider are: • Sell credit card processing services to the customer • Understand which services the customer requires • Present equipment options to meet those needs • Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected • Submit executed agreement with customer’s signature to NLSI underwriting for review The responsibilities of NLSI are: • Underwrite the customers lease application and make a determination if NLSI will provide funding for a lease • Service the lease as provided in the agreement The complaint herein alleges the Lessee did not sign the Agreement In response, as stated in Secof Lessee’s Agreement, NLSI is “an entirely separate and independent company from the vendor, equipment manufacturer and/or credit card processor doing business with Lessee.” Independent vendors do not have the authorized agency power to waive or alter any terms or conditions of NLSI’s Agreement Additionally, the “Lease Acceptance” provision of the Agreement provides that “no attempt at oral modification or rescission of this lease or any term hereof will be binding upon the parties.” The provision also states that Lessee “has been given an opportunity to read and make a copy of the Agreement and agrees to be bound by all terms” thereunder Thus, any alleged actions, promises, or representations by vendors made contradictory to the Agreement will not release Lessee from any obligations thereunder In summation, the Agreement does not provide for Lessee’s unilateral termination of its terms and obligationsRather, it expressly sets forth the absolute and unconditional obligation to continue all payments due thereunder The Complainant contacted NLSI on September **, wanting to cancel, alleging Equipment installation issuesNLSI advised the Complainant to contact his Merchant Services provider on this matterThe Complainant did not make any claim of forgery at this time Notwithstanding the above, please see enclosed for an Affidavit of Forgery (an “AOF”) for Lessee to complete on this matterIt is imperative that the entire AOF be completed and submitted (along with a filed police report) for NLSI’s investigation However, please be advised that submitting the AOF will not amount to a unilateral termination of the AgreementNLSI will conduct a formal review of the AOF and make a final determination thereinUpon doing so, Lessee will be notified directly of our decision While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext [redacted] for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc Enclosed: 1) Copy of Lease Agreement 2) Copy of Delivery and Acceptance Receipt (via mail and email) 2) Copy of Affidavit of Forgery (via mail and email)

Please find our response attached originally sent 10/6/Thank You

NLS has been unsuccessful in locating the lease account concerning the Complainant's dispute.Thus, kindly provide the Northern Leasing System's Lease number and Lessee/business name associated with it.Upon receiving this necessary information, NLS will then provide a formal reply.Thanks kindly

[redacted] *** [redacted] Dear Revdex.com: Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to above-referenced complaintAs NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s reply on its behalf As stated in the Agreement’s “End of Lease Term Options” provision, Lessee had the following options upon expiration/termination of the Agreement: a) return the Equipment to NLSI in good repair, condition, and working order within ten (10) days of the expiration/termination of the Agreement, or b) purchase the Equipment on an as-is/whebasis, provided Lessee notifies NLSI within days before expiration of the Agreement or its monthly renewal period The provision also states that failure to exercise either option above would result in an Agreement extension on a month-to-month basis at the same monthly payment and terms and conditions therein Applied here, NLSI did not receive the Equipment from the Lessee until February **, Thus, the Lessee owes for February (when she still had the Equipment) plus the final payment due upon the return of the EquipmentThe total account balance is $ Kindly advise Lessee to contact NLSI directly at ###-###-#### to resolve this matter as soon as possible Sincerely, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc

[redacted] Dear Revdex.com Customer Relations Advocate: Northern Leasing Systems, Inc(“NLSI”) has received your letter concerning the above-referenced complaint by [redacted] of RB Check Cashing (“Lessee”) and thanks you for the opportunity to replyUpon reviewing Lessee’s complaint, NLSI hereby responds as follows: NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipmentIt does not, however, provide merchant processing services Concerning Lessee’s relevant background information: Lessee executed the month term Agreement dated January **, (see enclosed), which contains the Complainant’s signature on Lessee’s behalf and as the Personal Guarantor (the “PG”) thereunderIts Schedule of Lease Payments details Lessee’s base monthly payments of $(plus applicable taxes and fees) towards the leased equipment (the “Equipment”) Lessee completed a Quality Control call on February **, confirming Lessee’s receipt and installation of the Equipment and essential terms of the Agreement (including the Schedule of Lease Payments) and to verify that: (i) the Agreement is non-cancelable, (ii) no written or verbal alterations by Lessee’s vendor sales representative would be accepted concerning the Agreement, (iii) Lessee’s base monthly payments were $for a month term, and that (iv) NLSI was authorized to deduct Lessee’s monthly payments from Lessee’s business checking account As to the complaint herein, Lessee states in October of attempted to contact NLSI to advise his company would be going out of business and left several messagesWhen finally made contact in January the lease had expired and was informed the process to close out the lease would be to return the equipment as it was paid offLessee further states was not told to send letter of cancellation until June of at which time the Lessee sent the letter and returned the equipment In response, NLSI has no record of contact with the Lessee in and instructions are not in line with what representatives of NLSI would have saidIt is likely that the conversation the Lessee had took place with the merchant processing companyThe processing company bears no affiliation with NLSI Additionally, as stated in the Agreement’s “End of Lease Term Options” provision, Lessee had the following options upon expiration/termination of the Agreement: a) Return the Equipment to NLSI within ten days of the expiration of the Lease Term or monthly renewal period and pay us a $restocking fee b) Provided that you notify us in writing within thirty (30) days prior to the expiration of the Lease Term or monthly renewal period that you wish to exercise this option, you may purchase the equipment on an whebasis for its replacement value which amount shall be due at expiration of the Lease Term or monthly renewal periodIf you do not provide us within thirty days’ written notice of your intention to exercise option b) or if you fail to return the equipment to us within ten (10) days of the expiration of the Lease Term or monthly renewal period, this Lease shall thereupon be extended on a month-to-month basis at the same monthly lease payment (under the same terms and conditions) Applied here, as Lessee failed to timely exercise either of the above-detailed options, Lessee’s account will remain active on a month-to-month basis until either such option is executed Inasmuch as the equipment was returned to NLSI, payments from the time the Lessee was in possession of the equipment are still owed in the amount of $which includes a current delinquent balance of $Please advise the Lessee to contact NLSI directly at ###-###-#### to settle the matter Very truly yours, Elba P [redacted] Director Customer Service Northern Leasing Systems, Inc Enclosures: Copy of Lease Agreement

May **, [redacted] RE: Case Number: [redacted] Complainant: [redacted] Lease Number: [redacted] Lessee: [redacted] Dear Revdex.com: Please consider this Northern Leasing Systems, Inc(“NLSI”) formal response to the above-referenced complaint NLSI is an equipment lease financing company that does not provide credit card processing servicesIt exists solely to purchase and service non-cancelable equipment leasing contractsTherefore, NLSI does not employ sales representatives to solicit merchants (such as Lessee) to induce a binding signature of our Agreement NLSI reasonably presumes that Lessees have the prudence and acumen to carefully read any business agreements and understand their rights and obligations therein before signature Lessee’s lease agreement (the “Agreement”) is for a 36-month term with base monthly payments of $(plus applicable taxes and Loss & $Damage Waiver fee) (see enclosed) The responsibilities of the Merchant Services or the Independent Sales Organization provider are: • Sell credit card processing services to the customer • Understand which services the customer requires • Present equipment options to meet those needs • Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected • Submit executed agreement with customer’s signature to NLSI underwriting for review The responsibilities of the NLSI are: • Underwrite the customer’s lease application and make a determination if NLSI will provide funding for a lease • Service the lease as provided in the agreement The complaint herein alleges misrepresentation by the company sales representative of Lessee’s merchant processing company in regards to promise to pay off previous lease In response, as stated in Secof Lessee’s Agreement, NLSI is “an entirely separate and independent company from the vendor, equipment manufacturer and/or credit card processor doing business with Lessee.” Independent vendors do not have the authorized agency power to waive or alter any terms or conditions of NLSI’s Agreement Additionally, the “Lease Acceptance” provision of the Agreement provides that “no attempt at oral modification or rescission of this lease or any term hereof will be binding upon the parties.” The provision also states that Lessee “has been given an opportunity to read and make a copy of the Agreement and agrees to be bound by all terms” thereunder Thus, any alleged actions, promises, or representations by vendors made contradictory to the Agreement will not release Lessee from any obligations thereunder To date, the account is current and in good standing In summation, the Agreement does not provide for Lessee’s unilateral termination of its terms and obligationsRather, it expressly sets forth Lessee’s absolute and unconditional obligation to continue all payments due thereunder Please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc Enclosed: 1) Copy of Lease Agreement

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved I have not received a letter of termination as of yet but will except this responseI have received another bill for due and this response is dated Hopefully this is taken care of and if so I thank you Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: THE COMPANY(MBF LEASNG) HAS NOT SENT ME A RELEASE AS REQUESTED BY ME TO STOP AND CEASE WITH FURTHER LEGAL ACTONS AGAINST MENOR HAS THEIR LEGAL TEAM STOPPED SENDING THREATHENNG LETTERS TO SUE ME IN COURT In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: That document is not mine I never lived at that address That is not me They need to stop harassing me! In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

[redacted] Dear Revdex.com: Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to the above-referenced complaintAs NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s response on its behalf It is imperative that Lessee complete and submit the entire AOF packet to NLSI for immediate review Be advised that Lessee’s AOF submission will not amount to unilateral termination of the AgreementUpon receiving Lessee’s completed AOF, NLSI will conduct a formal review and make a final determination thereinLessee will be notified directly of our decision Please be advised that until such time that the forgery claim is proven, NLSI intends to enforce Lessee’s payment obligations under the above-referenced Agreement (the “Agreement”) to its fullest extent While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext [redacted] for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Northern Leasing Systems, Inc

May **, [redacted] [redacted] Dear [redacted] : Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to the above-referenced complaintAs NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s response on its behalf MBF’s position has not changed and it will continue to enforce Lessee’s payment obligations under the above-referenced Agreement (the “Agreement”) to its fullest extent Prior to this rebuttal complaint, Lessee has made no allegations of forgery to MBF in any mannerNonetheless, please see enclosed for an Affidavit of Forgery (an “AOF”) for Lessee to complete on this matterIt is imperative that Lessee complete and submit the entire AOF packet to MBF for immediate review Be advised that Lessee’s AOF submission will not amount to unilateral termination of the AgreementUpon receiving Lessee’s completed AOF, MBF will conduct a formal review and make a final determination thereinLessee will be notified directly of our decision While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext [redacted] for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Lease Finance Group, LLC Enclosed: 1) Copy of Affidavit of Forgery

[redacted] Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s last rebuttal complaint This matter is now being litigated in courtAccordingly, please advise Lessee to contact NLSI’s attorney’s office for further information on this dispute: [redacted] While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: We do not feel we should have to pay anymore of the lease due to the reasoning that our store was flooded and that we are not using the equipment We still don't understand how a lease can be non-cancellableGiven circumstances we understand but this is different in that it was not our doing to close our store it was an act of nature We are still wanting to send the equipment back but have not gotten an address to send it to We would consider the lease terminated with us returning the equipment and the lease being cancelled In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

[redacted] *** [redacted] Dear Revdex.com: Please consider this Northern Leasing Systems, Inc(“NLSI”) formal response to the above-referenced complaint As of September ***, 2016, the above-referenced lease agreement (the “Agreement”) was terminatedAccordingly, Lessee and Complainant (as Personal Guarantor) have been released from any and all obligations thereunder An official Release Notice letter has been mailed directly to Lessee (along with contact information for any further assistance) While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc

[redacted] *** [redacted] To Whom It May Concern: Please consider this Northern Leasing Systems, Inc(“NLSI”) formal response to the above-referenced complaint As Lessee’s lease agreement (the “Agreement”) involves the lease of a sign from Signtronix, Lessee must execute a one-time balloon payment to purchase the sign to effectively terminate the Agreement at the end of its minimum termThe purchase price is previously determined in Lessee’s contract with Signtronix As such, if the buyout was not executed, Lessee’s Agreement matures into a month-to-month status until Lessee pays such buyout As of May **, 2016, the above-referenced lease agreement (the “Agreement”) has been terminatedAccordingly, Lessee and Complainant (as Personal Guarantor) have been released from any and all obligations thereunderThere is no refund due to Complainant An official Release Notice letter was also mailed directly to Lessee (along with contact information for any further assistance) While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc

[redacted] [redacted] Dear [redacted] : Please consider this Northern Leasing Systems, Inc(“NLSI”) formal response to the above-referenced complaint NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipmentIt does not, however, provide merchant processing services However, in an effort to amicably resolve this matter, NLSI extends the following settlement proposal (a copy of which will be mailed directly to Lessee): Upon receipt of equipment and successful negotiation of payment in the amount of $841.87, NLSI will release Lessee and Complainant (as Personal Guarantor) from any and all obligations under the AgreementThis offer will expire in days from the date of this letter Please reference your lease number and mark "SETTLEMENT" when remitting your payment to the following address: [redacted] NLSI’s proposal is merely an accommodation and will not be construed as an admission of any wrongdoing or liability whatsoever While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc

[redacted] *** [redacted] Dear Revdex.com: Northern Leasing Systems, Inc(“NLSI”) has received your letter concerning the above-referenced complaint and thanks you for the opportunity to replyUpon reviewing your letter regarding the lease agreement (the “Agreement”), NLSI hereby responds as follows: NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipmentIt does not, however, provide merchant processing services The responsibilities of the Merchant Services or the Independent Sales Organization provider are: • Sell credit card processing services to the customer • Understand which services the customer requires • Present equipment options to meet those needs • Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected • Submit executed agreement with customer’s signature to NLSI underwriting for review The responsibilities of NLSI are: • Underwrite the customers lease application and make a determination if NLSI will provide funding for a lease • Service the lease as provided in the agreement The complaint herein alleges the Merchant Services provider altered the processing rates that were promised to the Lessee, so the Lessee changed payment card processing companies and returned the Equipment to NLSIThe Lessee desires to be released from the Agreement In response, as stated in Secof Lessee’s Agreement, NLSI is “an entirely separate and independent company from the vendor, equipment manufacturer and/or credit card processor doing business with Lessee.” Independent vendors do not have the authorized agency power to waive or alter any terms or conditions of NLSI’s Agreement Additionally, the “Lease Acceptance” provision of the Agreement provides that “no attempt at oral modification or rescission of this lease or any term hereof will be binding upon the parties.” The provision also states that Lessee “has been given an opportunity to read and make a copy of the Agreement and agrees to be bound by all terms” thereunder Thus, any alleged actions, promises, or representations by vendors made contradictory to the Agreement will not release Lessee from any obligations thereunder In summation, the Agreement does not provide for Lessee’s unilateral termination of its terms and obligationsRather, it expressly sets forth the absolute and unconditional obligation to continue all payments due thereunder While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc Enclosed: 1) Copy of Lease Agreement 2) Copy of Delivery and Acceptance Receipt

June **, [redacted] [redacted] Dear Revdex.com: Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to the above-referenced complaintAs NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s response on its behalf Please see enclosed for an Affidavit of Forgery (an “AOF”) for Lessee to complete on this matterIt is imperative that Lessee complete and submit the entire AOF packet to MBF for immediate review Be advised that Lessee’s AOF submission will not amount to unilateral termination of the AgreementUpon receiving Lessee’s completed AOF, MBF will conduct a formal review and make a final determination thereinLessee will be notified directly of our decision While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext [redacted] for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Lease Finance Group, LLC Enclosed: 1) Copy of Affidavit of Forgery 2) Copy of Lease

[redacted] Dear Revdex.com: Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s rebuttal complaint NLSI’s position has not changed and it will continue to enforce Lessee’s payment obligations under the above-referenced Agreement (the “Agreement”) to its fullest extent Please contact me at ###-###-#### for any further assistance Very truly yours, Elba P [redacted] Director, Customer Service Department Northern Leasing Systems, Inc