Patrons Bank, NA v. James Patrick Wilkinson

IN THE DISTRICT COURT WITHIN AND FOR SEMINOLE COUNTY STATE OF OKLAHOMA PATRONS BANK, NA, AN OKLAHOMA BANKING INSTITUTION, vs. JAMES PATRICK WILKINSON, Plaintiff, Defendant. Case Number CJ-2026-57 Judge: Brett W. Butner SUIT ON PROMISSORY NOTE AND FOR REPELVIN COMES NOW the Plaintiff, Patrons Bank, NA, an Oklahoma Banking Institution ("Plaintiff," herein), by and through its attorney, Jack Cadenhead at the Cadenhead Law Firm, P.C., and for its causes of action against the Defendant, alleges and state: PARTIES, JURISDICTION & VENUE 1. That Plaintiff is an Oklahoma Banking Institution located in Okmulgee County, Oklahoma, and is authorized to do business in the state of Oklahoma. 2. That insofar as is known to the Plaintiff, the Defendant, James Patrick Wilkinson, is a resident of Seminole County, Oklahoma. 3. That jurisdiction is proper pursuant to 12 O.S. § 2004 (F). 4. That venue is proper in this Court due to the fact that the hereinafter described Promissory Note was given in Seminole County, Oklahoma. 5. That in accordance with the Fair Debt Collection Practices Act, 15 U.S.C.A. § 1692(g), if applicable, unless the person or entity responsible for the payment of the hereinafter described debt, within thirty (30) days after receipt of this notice, disputes the validity of the debt, or any portion thereof, the debt would be assumed to be valid; and if said person or entity notifies the undersigned attorney for Plaintiff within said thirty (30) day period that the debt, or any portion, is disputed, said attorney will obtain verification of the debt and a copy of such verification will be mailed to said person or entity by the undersigned attorney for Plaintiff; and upon written request by you within the thirty (30) day period, the undersigned attorney for Plaintiff will provide the name and address of the original creditor, if different from the current creditor. 6. That Federal law requires us to inform Defendant that this is an attempt to collect a debt and any information obtained will be used for that purpose. FIRST CAUSE OF ACTION: JUDGMENT ON PROMISSORY NOTE 7. That Plaintiff adopts and re-alleges the allegations set forth in numerical paragraphs 1 through 6, above. 8. That on the 24th day of August, 2025, James Patrick Wilkinson made, executed, and delivered to Plaintiff a certain Promissory Note No. 33316-10 ("Note," herein) for the principal sum of $48,442.20 bearing interest thereon at the rate of 12.800% per annum, payable in monthly installments; and that a copy of the Note is attached hereto marked Exhibit "A" and made a part hereof. 9. That contemporaneously with the making of the Note and to secure payment of the Note and the indebtedness represented thereby, Defendant, James Patrick Wilkinson, made, executed, and delivered to Plaintiff the Security Agreement wherein said Defendant granted a security interest covering the following described personal property, to-wit: 2016 Freightliner Expeditor Business Class Extended Cab, VIN 38ALACHDV1GDHC6527, 2025 25 foot Raub Industries Haul and Tow Bed, and all equipment including, but not limited to, machinery, vehicles, furniture, fixtures, manufacturing equipment, farm machinery and equipment, shop equipment, office and record keeping equipment, parts, and tools; and said security interest was duly perfected; that copies of the Security Agreement, Lien Entry Form, and UCC Financing Statement covering said personal property are attached hereto marked Exhibits "B," "C," and "D," respectively, and made a part hereof. 10. That default has occurred on the Note in that the Defendant has failed to pay the amount now due and said Defendant owes the principal sum of $48,442.20, plus interest accrued to January 26, 2026, in the sum of $2,614.00, and accruing thereafter at the rate of $17.2239 per diem, or 12.800% per annum, and accruing; and Plaintiff is entitled to a judgment for said amount plus late charges of $300.00, attorney fees and costs as provided in the Note, and all of said sums to bear interest at the statutory rate, until paid. 11. That Plaintiff is the owner and holder of the Note; that default has been made in the conditions thereof and that the Defendant, James Patrick Wilkinson, has failed to pay the installments due on the Note as required under the terms thereof. WHEREFORE, Plaintiff prays for judgment against the Defendant, James Patrick Wilkinson, in the sum of $48,442.00, plus interest accrued to January 26, 2026, in the sum of $2,614.00, and accruing at the rate of $17.2239 per diem, or 12.800% per annum, until paid, late charges of $300.00, along with attorney fees as provided in the Note, all costs of this action, and for all other just and equitable relief to which it may be entitled. SECOND CAUSE OF ACTION: REPLEVIN 12. That Plaintiff adopts and re-alleges the allegations set forth in numerical paragraphs 1 through 11, above. 13. That as security for payment of the Note and the indebtedness represented thereby, Plaintiff holds a lien upon, a special interest in, and the right to immediate possession of the hereinafter described personal property which said Defendant unlawfully holds and detains from Plaintiff, to-wit: 2016 Freightliner Expeditor Business Class Extended Cab, VIN 38ALACHDV1GDHC6527; 2025 25 foot Raub Industries Haul and Tow Bed, and all equipment including, but not limited to, machinery, vehicles, furniture, fixtures, manufacturing equipment, farm machinery and equipment, shop equipment, office and record keeping equipment, parts, and tools; that said Defendant should be required to immediately deliver the property to Plaintiff. 14. That the value of the above-described property is approximately $62,445.00. 15. That the said property was not taken in execution on any order or judgment against said Plaintiff or for payment of any tax, fine, or an amercement assessed against it, or by virtue of an order of delivery issued under the replevin statues of the state of Oklahoma, or any mesne or final process issued against said Plaintiff and Plaintiff is entitled to an order of immediate delivery thereof. WHEREFORE, Plaintiff prays for an Order of the Court requiring said Defendant, James Patrick Wilkinson, to deliver to Plaintiff so much of said property as is necessary to satisfy the debt owned by Plaintiff, or the value of same, along with attorney’s fees, costs, and for all other relief. DATED this 6th day of February, 2026. Respectfully submitted, Jack Cadenhead, OBA #30030 The Cadenhead Law Firm, P.C. P.O. Box 2067 Seminole, OK 74818-2067 Telephone: (405) 382-6341 Facsimile: (405) 382-5513 Attorney for Plaintiff VERIFICATION STATE OF OKLAHOMA ) COUNTY OF SEMINOLE ) ss. I, Tammy Drawbaugh, after being first duly sworn upon oath, depose and state: That I am Vice-President of Patrons Bank, the above-named Plaintiff; I have read the above Petition herein; that I know the contents thereof, and that the matters and things therein set forth are true and correct to the best of my knowledge. Tammy Drawbaugh, Vice-President Subscribed and sworn before me on the 6th day of February, 2026, by Tammy Drawbaugh, Vice-President of Patrons Bank. (Seal) KAYLA CALVERT NOTARY PUBLIC #20010781 IN AND FOR STATE OF OKLAHOMA SEMINOLE COUNTY Notary Public My commission expires: 9/12/28 Commission Number: 20010781 06/24/2025 11:22AM FAX 8166354116 06-24-25:10:44AM;FNB Wewoka DCN: E0EA8P045487B921EF2AA7BF8E0E5F28 PROMISSORY NOTE - General DEBTOR'S NAME(S) AND ADDRESS James Patrick Wilkinson 56110 E 1360 Rd Sasskwa, OK 74887 NOTE NUMBER 4333316-10 MATURITY DATE 07/05/2030 PRINCIPAL AMOUNT $ 48,642.20 <table> <tr> <th>FIXED INTEREST RATE PER ANNUM</th> <th>VARIABLE RATE INDEX</th> <th>PRESIDENT INDEX RATE %</th> <th>VARIABLE RATE INDEX</th> <th>MARCH OVERWUNDER INDEX %</th> <th>INITIAL PER ANNUM RATE %</th> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td></td> <td>12.8000</td> </tr> </table> <table> <tr> <th>MAXIMUM DEG ANNUAL INTEREST RATE CHANGE %</th> <th>MINIMUM INTEREST RATE %</th> <th>MAXIMUM INTEREST RATE %</th> </tr> <tr> <td></td> <td></td> <td></td> </tr> </table> <table> <tr> <th>CUSTOMER NUMBER</th> <th>LOAN OFFICER TD</th> <th>ACTUAL/AS DESIGNED</th> <th>ACTUAL/SIG</th> </tr> <tr> <td></td> <td></td> <td></td> <td></td> </tr> </table> <table> <tr> <th>PURPOSE OF LOAN</th> <th>PURCHASE VEHICLE, PURCHASE EQUIPMENT</th> </tr> <tr> <td colspan="2">See Attached Property Description Addendum</td> </tr> </table> PAYMENT TERMS <table> <tr> <th>NUMBER OF PAYMENTS</th> <th>AMOUNT OF PAYMENTS</th> <th>DATE OF PAYMENTS</th> </tr> <tr> <td>60</td> <td>$1,105.26</td> <td>monthly beginning 08/05/2025</td> </tr> </table> PROMISE TO PAY. For value received, the undersigned Debtor, whether one or more, and jointly and severally if more than one, agrees to the terms of this Note and promises to pay to the order of the Lender named above at its place of business as indicated on this Note or such other place as may be designated in writing by Lender, the unpaid Amount of this Note and any accrued and unpaid Finance Charges, together with interest on the unpaid Principal Amount until Maturity at the per annum interest rate(s) stated above and according to the payment terms stated above. Depending on the box checked above, interest on this Note is calculated either on the assumption that every year has either 360 or every month has 30 days (Actual/360) or on the actual number of days elapsed on a basis of a 360 day year (Actual/360) or a 365 day year (Actual/365). For purposes of computing Interest and determining the date principal and interest payments are received, all payments will be deemed made only when received in collected funds. Payments are applied first to accrued and unpaid Interest and other charges, and then to payment of the unpaid principal balance. In this Note, "Debtor" includes each party liable under this Note, including endorsers, co-makers, guarantors and otherwise, and "Lender" includes all subsequent holders. VARIABLE RATE. If this is a Variable Rate transaction as indicated above, the interest rate shall vary from time to time with changes (wherever meaningful or decreases) in the Index Rate shown above. The Interest Rate on this Note will be the Index Rate plus a Margin, if any, as indicated above. Each change will become effective as indicated below. If the Index Rate is Lender's base or prime rate, it is determined by Lender in its sole discretion, primarily on a basis of its cost of funds, is not necessarily the lowest rate Lender is charging its customers, and is not necessarily a published rate. ☐ Each change will become effective on the same date the Index Rate changes. ☐ Effective date of rate changes _______ _______ and on the same day _______ thereafter. LATE PAYMENTS. When permitted by law, any principal and/or Interest amount not paid within .10 calendar days after the due date will be assessed the greater of 6% of the pmt amt or $24.00 not to exceed $50.00 After the maturity date, Lender may at its sole discretion accrue Interest on the unpaid balance at the same Interest rate and method effective before maturity ☐ at a rate equal to ("Default Rate"). In no event shall the Interest rate and related charges either before or after maturity be greater than permitted by law. ALL PARTIES PRINCIPAL. All Debtors shall each be regarded as a principal and each Debtor agrees that any party to this Note, with Lender's approval and without notice to any other party, may from time to time renew this Note or consent to one or more extensions or deferrals of the Maturity Date for any term(s) or to any other modification(s) and all Debtors shall be liable in same manner as on the original note. ADVANCES AND PAYMENTS. If the Fully Advanced box is checked, then the Debtor acknowledges that the entire Principal Amount has been advanced to the Debtor or for Debtor's account or benefit. For Multiple Advances or Revolving Credit, unless otherwise agreed in writing, Lender has not made a commitment to make any advance and has sole discretion to make, continue or extend advances under this Note. If the Multiple Advances box is checked, then the Debtor understands that the Lender will disburse the proceeds of this Note in increments, up to the Principal Amount, but that even if the Debtor prepaids, the Debtor has no right to reborrow any amount disbursed hereunder nor that the Debtor owes under this Note is the aggregate of all such disbursed amounts, less any payments on principal made on this Note. Interest will accrue only on the actual amount of principal outstanding and outstanding from time to time. If the Revolving Credit box is checked, then the Debtor understands that the Lender will disburse the proceeds of this Note in increments up to the Principal Amount and that the remaining terms of this paragraph shall apply to this Note. The Debtor agrees that the Debtor's balance under this Note is the aggregate of all such disbursed amounts, less any payments of principal made on this Note. The Debtor understands that the remaining balance of all such advances outstanding at any one time cannot exceed the Principal Amount during the term of this Note. If the aggregate repayment up to the Principal Amount during the term of this Note, and the aggregate outstanding amount advanced under this Note ever exceeds the Principal Amount, the Debtor will repay the excess upon demand, plus Interest on the excess. There may be times when no principal is outstanding on this Note, but this Note and any principal secured hereunder remain valid and effective as to future advances under this Note. Any demands or advances made by Lender relating to the Debtor's account or benefit are presumed to be made under this Note. This Note's terms are conditioned upon the Debtor at the oral or written request of any person authorized by the Debtor until the Debtor revokes such designation or authorization received by the Lender, provided that the Lender has the right, but is not required, to notify the Debtor in writing of any such designation or authorization received by the Lender, provided that the Lender has the obligation to require written authorization from the Debtor prior to honoring any such designation or authorization received by said Lender. PREPAYMENT. If the principal due under this Note at any time, subject to following conditions: (a) all Interest provided for monthly or other periodic payments shall be paid through the date of any prepayment; (b) if this Note provides for monthly or other periodic payments, there will be no change in the due dates or amounts following any partial prepayments unless Lender agrees in writing; and (c) upon prepayment, in whole or in part, Lender may charge and Debtor agrees to pay a fee or premium as stipulated as follows (this fee premium provision will not apply if prohibited by applicable law): COLLATERAL. This Note and all other obligations of Debtor to Lender including renewals and extensions, are secured by all collateral securing this Note, and by all other security interests and mortgages previously or later granted to Lender and by all money, deposits and other property owned by any Debtor and is Lender's possession or control. LENDER'S SIGNATURE(S) By: James Patricia Wilkinson (Debtors signatures attached) ADDITIONAL PROVISIONS ON REVERSE SIDE 06/24/2025 11:30AM FAX 8166354116 STORE 252 06-24-25:10:44AM:FN B Wewoka DON: API D4B717909681E5ED3A9C498124E5 SECURITY AGREEMENT DEBTOR James Patrick Wilkinson 30110 E 1260 Rd Sassakwa, OK 74867 Patrons Bank, NA PO Box 1037 Okmulgee, OK 74447 SECURED PARTY I. GRANT OF SECURITY INTEREST. For value received, the undersigned (referred to as "Debtor" hereinabove) hereby gives a security interest in the Collateral described below to secure the payment of the obligations and agreements in this Agreement or other documents evidencing the Indebtedness. Any (from time to time) laws of the State of Oklahoma ("UCC"), and not defined in this Agreement shall have the meaning given to the term in the UCC. Debtor's location (if other than the address referenced above) is in the state of Oklahoma. II. SECURED INDUSTRIES. [Check applicable boxes] The security interest granted under this Agreement secures the following "Indebtedness" which [ ] Dealer or [X] Borrower owes to Secured Party; Specific Debt. The following Debt(s) of Borrower and all extensions, renewals, deferrals, modifications, and replacements: [x] All Debts. All Obligations of Borrower to Secured Party of every kind or description, including: all obligations for money owed to Secured Party; all liabilities owed by Borrower to Secured Party; all notes, renewals, deferrals, modifications and replacements evidenced by promissory notes from Borrower to Secured Party; all future advances whether absolute or contingent; liabilities now existing or hereafter arising and however evidenced; all extensions, renewals, deferrals, modifications and replacements; all interests and other liens charges due or to become due on the liabilities of Borrower to Secured Party; and "Indebtedness" also includes expenditures by Secured Party involving performance or enforcement of or any other agreement between Borrower and Secured Party; and all cases, actions, settlements, fees and other obligations or liability of Borrower to secured party and all the collections and enforcements, sale or other liquidation of any of the Collateral. III. DESCRIPTION OF COLLATERAL. The "Collateral" shall include: 2016 Freightliner Expediter Business Class Ext. Cab VIN Number: 3ALAC4DV1CDHC6527 2025 2SR, Raub Industries Haul & Tow Bed Equipmern: All equipment including, but not limited to, machinery, vehicles, furniture, fixtures, shop equipment, office and record keeping equipment, parts, and tools. The property includes manufacturing equipment, farm machinery and equipment, any equipment described in a list or schedule Debtor gives to Secured Party, but such a list is not necessary to create or perfect a valid security interest in all of Debtor's equipment. This term "Collateral" also includes to the extent not listed above as original collateral: (1) AFTER ACQUIRED PROPERTY. After-acquired property; provided, however, the security interest will not attach to (a) consumer goods; other than an encumbrance when given as additional security, unless the Debtor acquires rights in them within 10 days after the Secured Party gives notice; or (b) accounts over $500. (2) PROCEEDS. Proceeds, products, substitutions and accretions of the Collateral. (3) DEPOSIT ACCOUNTS. Unless prohibited by law, any property including Individual Retirement Accounts and other qualified retirement accounts, tangible or intangible, in possession of Secured Party at any time during the term of this Agreement, or any indebtedness due from Secured Party to Debtor and any deposit or credit balance due from Secured Party to Debtor, and Secured Party may at any time while the whole or any part of the Indebtedness remains unpaid, whether before or after maturity thereof, be appropriated, held or applied toward payment of the Indebtedness or any obligation of Debtor to Secured Party. IV. GENERAL PROVISIONS: 1. EFFECTIVENESS, TIME OF WAIVERS. This Agreement, and each amendment hereto or thereto, and each instrument, instrument or assignment made pursuant hereto are intended to be enforceable as a contract and, if any remedy or remedy hereunder or any agreement made in connection herewith should be held invalid under any law, such remedy or remedies will not be a waiver of any other remedy. In case of any conflict, the express provisions of this Agreement will govern and control. No waiver, change, modification, discharge or release of any duty, covenant, warranty, agreement, representation or other term or condition of this Agreement shall be binding upon Secured Party unless signed by Secured Party and, to the extent applicable, any collateral agent. Except as otherwise provided herein, Debtor is not required to notify Secured Party of any proceeding or action taken against Debtor by action of any other party or parties. 2. SUCCESSORS AND ASSIGNS. This Agreement binds Debtor and Secured Party and their respective successors and assigns, and is binding upon Debtor's heirs, executors, administrators, representatives, and permitted assigns (and all persons who become bound as a debtor to this Security Agreement), but no person taking over or representing Debtor has any right to assign this Agreement or any document secured by this Agreement without the written consent of Secured Party. 3. CHANGES IN TERMS. Secured Party reserved the right to change any of the terms of this Agreement in accordance with applicable law and the provisions of this Agreement. 4. TERM OF AGREEMENT. This Agreement, and the security interest created by this Agreement, will remain in force until all of the Indebtedness is paid in full, unless the amount of the amount owed under this Agreement is earlier released by Secured Party in writing. 5. RIGHTS OF SECURED PARTY. Any assignment of Secured Party rights, any rights, powers, privileges, remedies, and defenses under this Agreement may be assigned in whole or in part, and any transferee or assignee shall have all Secured Party's rights or the parts of them so assigned, transferred, or assigned. Debtor's rights under this Agreement or in the Collateral may not be assigned without Secured Party's prior written consent. 6. JOINT AND SEVERAL RESPONSIBILITY OF DEBTOR AND SUBTENANTS. The responsibilities of Debtor and any co-debtor, guarantor, surety or accommodation debtor are joint and several, and the references to Debtor in this Agreement shall be deemed to refer to each such person, including any person who shall become a debtor. Debtor and any co-debtor, guarantor, surety or accommodation debtor shall hold harmless Secured Party from and against all claims, demands and causes of action which may arise out of or in connection with this Agreement. 7. SEPARABILITY OF PROVISIONS. If any provision of this Agreement shall be declared void, invalid or unenforceable, such invalidity or unenforceability shall not affect any other provision of this Agreement, and this Agreement shall be construed as if each invalid or unenforceable provision had never existed. 8. GOVERNING LAW. This Agreement shall be construed and enforced in accordance with the laws of the State of Oklahoma, except to the extend that the UCC provides for a more favorable provision had never existed. 9. ENTIRE AGREEMENT. This Agreement, together with any mortgage of real estate which may be executed by Debtor as security for the Collateral, constitutes the entire agreement between the parties with respect to the subjects addressed herein. This Agreement may be amended or modified only by a writing signed by Secured Party specifying that it is a modification. V. EVENTS OF DEFAULT. Debtor shall be in default under this Agreement upon the happening of any one or more of the following events or conditions, called “Events of Default” in this Agreement: 1. If any warranty, covenant, agreement, representation, financial information or statement made or furnished to Secured Party by Debtor, Borrower (if different from Debtor) or any guarantor or surety, or otherwise to induce Secured Party to enter into this Agreement, or in conjunction with it, is violated or proven to have been false in any material respect when as represented. 2. If any payment required in this Agreement or under any other agreement or obligation of Borrower to Secured Party or to others is not made when due or is in accordance with the terms of the applicable contract. 3. If Debtor defaults in the performance of any covenant, obligation, warranty, or provision contained in this Agreement or any other agreement, mortgage or obligation of Debtor to Secured Party in effect, including without limitation Debtor’s failure to insure the Collateral or unlawful use of the Collateral. 4. If any event or condition stated above which results in acceleration of the maturity of any obligation of Borrower to Secured Party or to others under any note, mortgage, indenture, agreement, or understanding. 5. If anyone makes any levy against or seizes, garnishes or attaches any of the Collateral; if Debtor consents, unless specifically consented to by this Agreement or any mortgage executed in connection with this Agreement. 6. If the Collateral is lost, stolen, substantially damaged or destroyed. 7. If, in Secured Party’s judgment, the Collateral becomes unsatisfactory or insufficient in character or value, and upon request Debtor fails to provide additional Collateral as required by Secured Party. 8. If at any time Secured Party, in its sole discretion, believes the prospect of payment or performance of any duty, covenant, warranty or obligation secured by this Agreement is impaired. SERVICE OKLAHOMA LIEN HOLDERS RELEASE FORMS VIN: 3ALAC4DV1GDHC6527 AGNT #: M6712 LIEN DEBTOR: WILKINSON, JAMES P WILKINSON, JAMES P 36110 EW 1360 SASAKWA OK 74867-6619 VEHYR: 2016 MAKE: FRHT MODEL: LIEN DATE: 06/24/2025 BODY: LIEN HOLDER: PATRONS BANK, NA LIEN HOLDER ID: LH001776 PATRONS BANK, NA PO BOX 1037 OKMULGEE OK 74447-1037 REF#: L0059601240 TO: SERVICE OKLAHOMA MOTOR VEHICLE DIVISION P.O. BOX 269061 OKLAHOMA CITY OK 73126-9061 TO WHOM IT MAY CONCERN: WE HAVE RELEASED OUR SECURITY INTEREST IN THE MOTOR VEHICLE DESCRIBED ABOVE, EFFECTIVE ON THE DATE WHICH APPEARS BY MY SIGNATURE. PLEASE REVISE YOUR RECORDS TO REFLECT THIS RELEASE. SIGNATURE OF REPRESENTATIVE OF SECURED PARTY X ________________________________ DATE __________________ LENDER: TO ENSURE PROPER PROCESSING OF YOUR COMPLETED LIEN RELEASE, PLEASE NOTE THE FOLLOWING. DO NOT ALTER THIS DOCUMENT NO STAPLES NO TAPE NO FOREIGN FIXTURES OR ATTACHMENTS NO WRITING OR MARKING (OTHER THAN SIGNATURE AND DATE FOR RELEASE) DO NOT ALTER THE SIZE OF THIS DOCUMENT UCC FINANCING STATEMENT SEE UCC INSTRUCTIONS A NAME & PHONE OF CONTACT AT SUBMITTER Patron's Bank, NA- Kayla Calvert - 4052570105 B E-MAIL CONTACT AT SUBMITTER (optional) C SEND ACKNOWLEDGMENT TO Patron's Bank, NA Kayla Calvert PO Box 1037 Okmulgee, Oklahoma 74447 United States SEE BELOW FOR SECURED PARTY CONTACT INFORMATION THE ABOVE SPACE IS FOR FILING OFFICE USE ONLY DEBTOR'S NAME Wilkinson MAILING ADDRESS 36110 E 1360 Rd ORGANIZATION'S NAME SECURED PARTY'S NAME Patron's Bank, NA ORGANIZATION'S NAME COLLATERAL For financing statement covers the following collateral: 2025 25ft. Raub Industries Haul & Tow Bed Equipment: All equipment including, but not limited to, machinery, vehicles, furniture, fixtures, manufacturing equipment, farm machinery and equipment, shop equipment, office and record keeping equipment, parts, and tools. The property includes any equipment described in a list or schedule Debtor gives to Secured Party, but such a list is not necessary to create or perfect a valid security interest in all of Debtor's equipment