{"url_path":"/sec/jcap/10-q/2026/item-6","section_key":"item-6","section_title":"Item 6 E****xhibits**","topic":"sec","document":{"doc_type":"10-Q","doc_date":"2026-05-14","source_url":"https://www.sec.gov/Archives/edgar/data/2046042/0001104659-26-061206-index.html","accession_number":"0001104659-26-061206","cik":"0002046042","ticker":"JCAP","issuer_name":"Jefferson Capital, Inc. / DE","edgar_url":"https://www.sec.gov/Archives/edgar/data/2046042/0001104659-26-061206-index.html","primary_entity_key":"0002046042","primary_entity_name":"Jefferson Capital, Inc. / DE"},"word_count":644,"has_tables":true,"body_markdown":"**Item 6. E****xhibits**\n\n​\n\n​\n\n​\n\n**Incorporated by Reference**\n\n**Exhibit Number**\n\n**Exhibit Description**\n\n**Form**\n\n**File No.**\n\n**Exhibit**\n\n**Filing Date**\n\n**Filed/Furnished Herewith**\n\n3.1\n\n[Amended and Restated Certificate of Incorporation of Jefferson Capital, Inc.](https://www.sec.gov/Archives/edgar/data/2046042/000110465925061836/tm2430355d17_ex3-2.htm)\n\nS-1/A\n\n333-287488\n\n3.2\n\n6/24/2025\n\n​\n\n3.2\n\n[Amended and Restated Bylaws of Jefferson Capital, Inc.](https://www.sec.gov/Archives/edgar/data/2046042/000110465925061836/tm2430355d17_ex3-2.htm)\n\nS-1/A\n\n333-287488\n\n3.2\n\n6/24/2025\n\n​\n\n4.1\n\n[Specimen Stock Certificate evidencing the shares of common stock](https://www.sec.gov/Archives/edgar/data/2046042/000110465925059104/tm2530355d14_ex4-1.htm)\n\nS-1/A\n\n333-287488\n\n4.1\n\n6/13/2025\n\n​\n\n4.2\n\n[Indenture, dated as of August 4, 2021, by and among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association (as successor in interest to U.S. Bank National Association), as trustee.](https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-2.htm)\n\nS-1\n\n333-287488\n\n4.2\n\n5/21/2025\n\n​\n\n4.3\n\n[Form of 6.000% Senior Notes due 2026 (included in Exhibit 4.2)](https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-2.htm)\n\nS-1\n\n333-287488\n\n4.3\n\n5/21/2025\n\n​\n\n4.4\n\n[Indenture, dated as of February 2, 2024, by and among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee.](https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-4.htm)\n\nS-1\n\n333-287488\n\n4.4\n\n5/21/2025\n\n​\n\n4.5\n\n[Form of 9.500% Senior Notes due 2029 (included in Exhibit 4.4).](https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-4.htm)\n\nS-1\n\n333-287488\n\n4.5\n\n5/21/2025\n\n​\n\n55\n\n[Table of Contents](#TOC)\n\n4.6\n\n[Indenture, dated as of May 2, 2025, by and among Jefferson Capital Holdings, LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee.](https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-6.htm)\n\nS-1\n\n333-287488\n\n4.6\n\n5/21/2025\n\n​\n\n4.7\n\n[Form of 8.250% Senior Notes due 2030 (included in Exhibit 4.6).](https://www.sec.gov/Archives/edgar/data/2046042/000110465925051664/tm2430355d9_ex4-6.htm)\n\nS-1\n\n333-287488\n\n4.7\n\n5/21/2025\n\n​\n\n4.8\n\n[Stockholders Agreement](https://www.sec.gov/Archives/edgar/data/2046042/000155837025011577/jc-20250630xex4d8.htm)\n\n10-Q\n\n001-42718\n\n4.8\n\n8/14/2025\n\n10.1†\n\n[Amendment No. 8 to Credit Agreement, dated as of April 22, 2026, by and among CL Holdings, LLC, Jefferson Capital Systems, LLC, JC International Acquisition, LLC, CFG Canada Funding, LLC, the guarantors party thereto, the existing lenders party thereto, the incremental lenders party thereto and Citizens Bank, N.A., as administrative agent.](https://www.sec.gov/Archives/edgar/data/2046042/000110465926047776/tm2612554d1_ex10-1.htm)\n\n8-K\n\n001-42718\n\n10.1\n\n4/23/2026\n\n*\n\n31.1\n\n[Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002](jcap-20260331xex31d1.htm)\n\n​\n\n​\n\n​\n\n​\n\n*\n\n31.2\n\n[Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002](jcap-20260331xex31d2.htm)\n\n​\n\n​\n\n​\n\n​\n\n*\n\n32.1\n\n[Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002](jcap-20260331xex32d1.htm)\n\n​\n\n​\n\n​\n\n​\n\n**\n\n32.2\n\n[Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002](jcap-20260331xex32d2.htm)\n\n​\n\n​\n\n​\n\n​\n\n**\n\n101.INS\n\nInline XBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document\n\n​\n\n​\n\n​\n\n​\n\n*\n\n101.SCH\n\nInline XBRL Taxonomy Extension Schema Document\n\n​\n\n​\n\n​\n\n​\n\n*\n\n101.CAL\n\nInline XBRL Taxonomy Extension Calculation Linkbase Document\n\n​\n\n​\n\n​\n\n​\n\n*\n\n101.DEF\n\nInline XBRL Taxonomy Extension Definition Linkbase Document\n\n​\n\n​\n\n​\n\n​\n\n*\n\n101.LAB\n\nInline XBRL Taxonomy Extension Label Linkbase Document\n\n​\n\n​\n\n​\n\n​\n\n*\n\n101.PRE\n\nInline XBRL Taxonomy Extension Presentation Linkbase Document\n\n​\n\n​\n\n​\n\n​\n\n*\n\n104\n\nCover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 99.1)\n\n​\n\n​\n\n​\n\n​\n\n*\n\n​\n\n*Filed herewith\n\n**Furnished herewith\n\n† Certain portions of this exhibit have been redacted pursuant to Item 601(b)(2)(ii) and Item 601(b)(10)(iv) of Regulation S-K, as applicable. The Company agrees to furnish supplementally an unredacted copy of the exhibit to the SEC upon its request.\n\n​\n\n56\n\n[Table of Contents](#TOC)\n\n**SIGNATURES**\n\nPursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, duly authorized.\n\nDate: May 14, 2026\n\n​\n\n​\n\n​\n\n​\n\n​\n\n**Jefferson Capital, Inc.**\n\n​\n\n​\n\n​\n\n​\n\nBy:\n\n/s/ David Burton\n\n​\n\nName:\n\nDavid Burton\n\n​\n\nTitle:\n\nChief Executive Officer\n\n​\n\n​\n\n(Principal Executive Officer)\n\n​\n\n​\n\n​\n\n​\n\nBy:\n\n/s/ Christo Realov\n\n​\n\nName:\n\nChristo Realov\n\n​\n\nTitle:\n\nChief Financial Officer\n\n​\n\n​\n\n(Principal Financial Officer)\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n​\n\n57"}