TD Auto Finance, LLC v. Ryan Berry

IN THE DISTRICT COURT OF OKLAHOMA COUNTY, THE STATE OF OKLAHOMA TD AUTO FINANCE, LLC Plaintiff, -vs- RYAN BERRY Defendant. PETITION FOR MONEY DUE ON NOTE COMES NOW the Plaintiff and for its cause of action states as follows: 1. That Plaintiff is a LIMITED LIABILITY COMPANY organized and existing under the laws of MICHIGAN; the debt sued upon arose in and Plaintiff’s cause of action accrued in the State of Oklahoma. 2. That the Defendant resides in or may be found in OKLAHOMA County, Oklahoma and within the venue of this court. 3. That upon application by the Defendant, the Defendant did enter into a Retail Installment Contract and Security Agreement ("Agreement") with AUTOMAX HYUNDAI, which has heretofore been assigned and sold to Plaintiff, 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 did fail to perform the obligations under the terms of the Agreement and are therefore in default. 5. That if required by law or the Agreement, Plaintiff notified the Defendant of his/her default and right to cure, but Defendant failed to cure said default. 6. That Plaintiff repossessed the vehicle under the terms of the Agreement, and the vehicle was then sold in a commercially reasonable manner. 7. That Plaintiff notified the Defendant of the sale and any deficiency remaining after the sale. 8. That the deficiency after the sale is $10055.88. 9. Interest at the rate of 6.75% per annum from the date of Judgment until paid. 10. That pursuant to statute 12 O.S.§ 936, Plaintiff is entitled to reasonable attorney’s fees. 11. Pursuant to the SCRA §201(b)(4), Plaintiff declares under penalty of perjury that Defendant RYAN BERRY is not in the Armed Forces for the United States, verified on 10/17/2019 via the U.S. Department of Defense website. WHEREFORE, Plaintiff prays for Judgment against Defendant in the amount of: Amount claimed: $10055.88; Interest: Interest at the rate of 6.75% per annum from the date of Judgment until paid; Reasonable attorney’s 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: Michael L. Foster Jason P. Gubbins P.O. Box 10110 Columbia, Missouri (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. AFFIDAVIT ***[Retail]*** I, Terrence Mark, being first duly sworn, depose and say that I have knowledge of the facts hereinafter set forth based on a review of the business records of TD Auto Finance LLC and that if sworn as a witness I can testify competently thereto: 1. That I hold the position of [Lawyer/Attorney] for TD Auto Finance LLC; 2. I have knowledge of account number xxxxxx6966 and records related to a certain retail installment contract (the "Contract") between RYAN BERRY and AUTOMAX HYUNDAI ("Seller"); 3. Seller assigned its rights and interests in and to the Contract to TD Auto Finance L.LC ("Assignee"); 4. The defendant(s) is/are in breach of the terms of the Contract; and 5. The outstanding balance on the account related to the Contract is 10055.88. STATE OF Florida ) COUNTY OF Dade ) ss In witness whereof I have hereunto subscribed my name and affixed my official seal this day of August, 2019 My Commission Expires: ELIZABETH A BOTULLA MY COMMISSION # PF-88672 EXPIRES: April 7, 2020 Bonded Texas Notary Public Underwriters Notary Public RETAIL INSTALLMENT SALE CONTRACT SIMPLE FINANCE CHARGE Dealer Number ____________________________ Contract Number ______________________ DEAL# 135287 CUSTOM Y1406B Buyer Name and Address (Including County and Zip Code) RYAN BERRY. Co-Buyer Name and Address (Including County and Zip Code). N/A Seller-Creditor (Name and Address) AUTO MAX HYUNDAI 4401 TINKER DIAGONAL DEL CITY, OK 73115 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. 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>Now/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>NEW</td> <td>2018</td> <td>HYUNDAI ELANTRA</td> <td>12</td> <td>14987</td> <td>Personal, Family, or household unless otherwise indicated below: ☐ business ☒ agricultural ☐ N/A</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you, but not by us</th> <th>Total of Payments<br>The amount you will have paid when you have made all payments as scheduled.</th> <th>Total Sales Price<br>The total cost of your purchase, including your down payment of $ 1000.00.</th> </tr> <tr> <td>6.89 % $ 6305.00</td> <td>$ 6305.00</td> <td>$ 28914.00</td> <td>$ 32919.00</td> <td>$ 33919.00</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>76</td> <td>436.92</td> <td>Monthly beginning 01/14/2018</td> </tr> <tr> <td>N/A</td> <td>N/A</td> <td>N/A</td> </tr> </table> Or As Follows: N/A Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $ 25.00 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. 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. Spanish Translation: Guía para compradores de vehículos usados. La información que ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta. WARRANTIES SELLER DISCLAIMERS Unless the Seller makes a written warranty, or enters into a service contract within 90 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 of fitness for a particular purpose. This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide. 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 it 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. 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. HOW 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 ___________ Co-Buyer Signs X / N/A If any part of this contract is not valid, all other parts stay valid. We may delay 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 the rest of this contract for other important agreements. OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How will we 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, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract, on 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 be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes 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 payment. 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 are buying 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 refinance 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 expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay 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 Interest. 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 premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our 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. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either: buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If 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 the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 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 repair the vehicle. 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 page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. 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 promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information on a credit application; • 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 (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device, 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 any personal items are in the vehicle, we may store them for you at your expense. If you do not ask for these items back, we may dispose of them as the law allows. a. How you can get the vehicle back if we 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 redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not 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 money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also 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 must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand 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 to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. ITEMIZATION OF AMOUNT FINANCED. 1 Cash Price including $ N/A excise tax $ 23115.00 (1) 2 Total Downpayment = Trade-in -zero (Peak) (Peak) (Peaks) Gross Trade-In Allowance $ 10700.00 Less Pay OE Made By Seller $ 15200.00 Equals Net Trade In $ -4500.00 + Cash $ 2000.00 + Other REBATE $ 3500.00 (If total downpayment is negative, enter "0" and see 41 below) $ 1000.00 (2) 3 Unpaid Balance of Cash Price (1 minus 2) $ 22115.00 (3) 4 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 Banker's Single Interest Insurance Paid to Insurance Company $ N/A Other Optional Insurance Paid to Insurance Company or Companies $ N/A D Optional Gap Contract $ 790.00 E Official Fees Paid to Government Agencies F Government Taxes Not Included In Cash Price $ N/A G Government License and/or Registration Fees $ 10.00 H Government Certificate of Title Fees $ N/A I Other Charges (Seller must identify who is paid and describe purpose) To CENTENNIAL for Prior Credit or Lease Balance $ 0.00 To AUTOMAX HYUNDAI for PAPER & DELIVERY FEE $ 389.00 To N/A for N/A $ N/A To N/A for N/A $ N/A To N/A for N/A $ N/A To N/A for N/A $ N/A Total Other Charges and Amounts Paid to Others on Your Behalf $ 4499.00 (4) 5 Amount Financed (3-4) $ 22616.00 (5) OPTION: You pay no finance charge if the Amount Financed, Item 5, is paid in full on or before N/A, Year N/A. SELLER'S INITIALS N/A VENDOR'S SINGLE INTEREST INSURANCE (VSI Insurance): If the preceding box is checked, the creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft). VSI insurance is for the Creditor's sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to purchase VSI Insurance through the Creditor, the cost of this insurance is $ N/A and is also shown in Item 4B of the Itemization of Amount Financed. The coverage is for the initial term of the contract. Any Insurer issuing VSI insurance waives its rights to subrogation against the buyer. OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in Item 4D of the Itemization 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 Mos. Name of Gap Contract NSD I want to buy a gap contract. Buyer Signature Print Name Date 11/30/17 Co-Buyer Signature Date N/A 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. 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 Signature Date 11/30/17 Co-Buyer Signature N/A Date N/A Co-Buyer and Other Owners — 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 interests in the vehicle given to us in this contract. Other owner signs here X N/A Address N/A Seller signs AUTOMAX HYUNDAI Date 11/30/17 By Bill Ballin Title OFFICE MGR Seller assigns as intended in this contract to TD AUTO FINANCE LLC (Assignee under the terms of Seller's agreement(s) with Assignee.) Assigned with recourse Assigned without recourse Assigned with limited recourse Insurance, you may buy the physical damage insurance this contract requires from anyone who is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interests Insurance is checked below or any insurance is checked below, policies or certificates from these other insurance companies will describe the terms and conditions. Check the insurance you want and sign below: Optional Credit Insurance [ ] Credit Life [ ] Buyer [ ] Co-Buyer [ ] Both [ ] Credit Disability [ ] Buyer [ ] Co-Buyer [ ] Both Premium: N/A Credit Life $ N/A Credit Disability $ N/A Insurance Company N/A Home Office Address N/A Credit Life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in Item 4A of the Itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not apply if any premium has been paid in full in the current payment segment. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional insurance N/A Type of Insurance N/A Term N/A Premium S N/A Insurance Company Name N/A Home Office Address N/A Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. X N/A N/A Buyer Signature Date X N/A N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. Returned Check Charge: You agree to pay a charge of $25.00 if any check you give us is dishonored. TD Auto Finance DATE: 03/20/2018 ACCOUNT NO: ___________________ MAKE/MODEL OF VEHICLE: 2018 HYUNDAI ELANTRA BUYER'S NAME AND ADDRESS: RYAN BERRY CO-BUYER'S NAME AND ADDRESS: __________________________________________ The following is an explanation of the amount of deficiency (or surplus, if applicable) following the disposition of your vehicle. (1) Secured obligation, including late charges, return check fees, permitted legal fees and interest, finance charges or credit service charges due, at date of repossession. $ 26,930.38 (2) Gross disposition proceeds. $ 13,600.00 (3) Secured obligation after deducting amount in item (2). $ 13,330.38 (4) Repossession, storage, preparation and disposition expenses, including legal fees related to the current disposition of the vehicle, if any $ 655.08 (5) Other credits or rebates such as insurance refunds, extended warranty or service contract refunds, or post-repossession payments $ 3,929.58 (6) Deficiency Amount (or surplus, if applicable) (If the total of items 2 and 5 exceeds the total of items 1 and 4, a surplus exists. In that event, the amount of the surplus is shown on this line in parentheses. You will receive a check in that amount.) $ 10,055.88 Future debts, credits, and charges, including additional credit service charges or interest, rebates and expenses may affect the amount of the deficiency (or surplus, if applicable). To obtain additional information about your account, please call the telephone number below, Monday - Friday from 8:00 AM - 6:00 PM Eastern Time We are sure you want to settle your account. We may be able to work with you in establishing payment terms. To make arrangements, it is important that you contact this office by telephone without delay TD Auto Finance PO Box 551080 Jacksonville, FL 32255-1080 1-866-251-9480 TD Auto Finance PO Box 551080 Jacksonville, FL 32255 NOTICE AFTER REPOSSESSION OR VOLUNTARY SURRENDER ACCOUNT NUMBER NAME AND ADDRESS (BUYER 1) NAME AND ADDRESS (BUYER 2) RYAN BERRY NOTE: IF YOU ARE UNDER THE PROTECTION OF THE BANKRUPTCY CODE, YOU ARE NOT REQUIRED TO MAKE PAYMENT TO US. We have obtained the vehicle described below (your vehicle) through either ☐ repossession as a result of a default under your contract with us or ☒ voluntary surrender of your vehicle, whichever is checked DESCRIPTION OF YOUR VEHICLE YEAR MAKE MODEL VEHICLE IDENTIFICATION NUMBER 2018 HYUNDAI ELANTRA 4967 NOTICE OF SALE: Your vehicle will be offered for sale at a private sale beginning on February 14, 2018, and from day to day thereafter until sold. A sale could include a lease or a license. The money that 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. REMAINING CONTRACT BALANCE / RIGHT TO MONEY LEFT OVER FROM SALE: If your vehicle is sold, the money we get from the sale (after paying our reasonable costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If there is any money left over, we will pay this money to you, unless we must pay it to someone else. ACCOUNTING: If you want us to explain to you in writing how we have figured the amount that you owe us, you may call or write us at the number or address provided in this Notice. We reserve the right to charge you $0.00 for the explanation if we sent you another explanation of the amount within the last six months. NOTICE TO ALL INTERESTED PARTIES: We are sending this notice to the following people who have an interest in this vehicle or who owe money under the contract: RYAN BERRY HOW TO GET YOUR VEHICLE BACK: To get your vehicle back, you can do one of two things as described below, unless the box that follows is checked. If this box is checked, the only way to get your vehicle back is to pay the full amount you owe on your contract as described below; you do not have the right to cure your default and renew your contract. FIRST WAY: RENEW YOUR CONTRACT AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have a right to renew your contract and get your vehicle back by paying the full amount past due under your contract (excluding any amount that would not be due except for an acceleration provision) plus unpaid charges and costs we incurred as itemized below. To renew your contract, you must pay us the NET AMOUNT NEEDED TO RENEW YOUR CONTRACT shown below, plus any other amounts that may become due after the date of this Notice and before your vehicle is sold. If you renew your contract, you must continue to make regularly scheduled payments and satisfy other obligations as they come due under your contract. To learn the exact amount you must pay to renew your contract, please contact us at the address provided in this Notice or call us at 866-659-1173. You must pay with a money order, cashier's check or certified funds; personal checks will not be accepted. <table> <tr> <th>PAST DUE PAYMENTS</th> <td>$438.92</td> </tr> <tr> <th>PLUS LATE CHARGES AND OTHER COSTS</th> <td>$25.00</td> </tr> <tr> <th>PLUS REPOSESSION, STORAGE, REPAIR AND PREPARATION COSTS (To Date)</th> <td>$190.00</td> </tr> <tr> <th>NET AMOUNT NEEDED TO RENEW YOUR CONTRACT (NOT INCLUDING AMOUNTS THAT MAY BECOME DUE AFTER THE DATE OF THIS NOTICE)</th> <td>$653.92</td> </tr> </table> SECOND WAY: PAY THE FULL AMOUNT YOU OWE ON YOUR CONTRACT AT ANY TIME BEFORE YOUR VEHICLE IS ACTUALLY SOLD, you have a right to get your vehicle back by paying the full amount you owe on your contract (not just the past due amount) plus unpaid late charges, finance charges and costs we incurred as itemized below. You must pay us the NET AMOUNT NEEDED TO PAY YOUR CONTRACT shown below, plus any other amounts that may become due after the date of this Notice and before your vehicle is sold. To learn the exact amount you must pay, please contact us at the address provided in this Notice, or call us at 866-659-1173. You must pay with a money order, a cashier's check or certified funds, personal checks will not be accepted. <table> <tr> <th>UNPAID PRINCIPAL BALANCE</th> <td>$26,614.00</td> </tr> <tr> <th>PLUS LATE CHARGES AND OTHER COSTS</th> <td>$25.00</td> </tr> <tr> <th>PLUS REPOSESSION, STORAGE, REPAIR AND PREPARATION COSTS (To Date)</th> <td>$190.00</td> </tr> <tr> <th>PLUS FINANCE CHARGE TO 01/30/2018</th> <td>$306.07</td> </tr> <tr> <th>SUBTOTAL OF CHARGES</th> <td>$27,135.07</td> </tr> <tr> <th>LESS REFUNDS OF INSURANCE PREMIUMS</th> <td></td> </tr> <tr> <th>GAP</th> <td>$681.58</td> </tr> <tr> <th>SUBTOTAL OF REFUNDS DEDUCTED</th> <td>($681.58)</td> </tr> <tr> <th>NET AMOUNT NEEDED TO PAY YOUR CONTRACT (NOT INCLUDING AMOUNTS THAT MAY BECOME DUE AFTER THE DATE OF THIS NOTICE)</th> <td>$26,453.49</td> </tr> </table> Your vehicle will not be sold until the date shown in the Notice of Sale section on Page 1, at the earliest. AFTER THAT DATE, BUT BEFORE YOUR VEHICLE IS ACTUALLY SOLD, YOU CAN STILL PAY THE FULL AMOUNT YOU OWEO YOUR CONTRACT TO GET YOUR VEHICLE BACK. NOTE: If this box is checked and your vehicle was repossessed, you must also provide proof that you have paid the required $15 fee to the appropriate law enforcement authority for the receipt and filing of the report of repossession. The auction will not release the vehicle without proof that the repossession report fee has been paid. NOTE: If this box is checked and your vehicle was repossessed you must pay $250 directly to (for storage costs in order to reinstated or redeem your vehicle Please contact at (for acceptable payment type(s) prior to your vehicle being returned to you at the address listed below IF YOU ARE UNDER THE PROTECTION OF THE UNITED STATES BANKRUPTCY CODE, THIS NOTICE IS SENT FOR THE SOLE PURPOSE OF NOTIFYING YOU OF YOUR STATE LAW RIGHTS, AND IS NOT INTENDED AS AN ATTEMPT TO COLLECT PAYMENT. YOUR OBLIGATION TO MAKE PAYMENT TO US IS SUBJECT TO DISCHARGE, AND MAY HAVE ALREADY BEEN DISCHARGED, IN BANKRUPTCY. ENTRY OF THE DISCHARGE ORDER IN YOUR BANKRUPTCY CASE RELEASES YOU FROM PERSONAL LIABILITY TO MAKE PAYMENT TO US. If you have any questions about the sale of your vehicle or any other matters covered in this Notice, please call or write us. We are available at the phone number below from 8:00 AM to 8:00 PM Eastern Time, Monday through Friday <table> <tr> <th>MAKE/PAYMENT TO:</th> <td>TR Auto Express</td> <th>MAIL TYPE</th> <td>First Class Mail</td> <th>PHONE NUMBER</th> <td>866-659-1173</td> </tr> <tr> <th>DATE NOTICE MAILED</th> <td>91/30/2018</td> <th>CERTIFIED MAIL</th> <td></td> <th>DATE RECEIVED</th> <td></td> </tr> </table>