Citrus Tree Finance LLC. v. Ryan Russell

IN THE DISTRICT COURT OF OTTAWA COUNTY STATE OF OKLAHOMA CITRUS TREE FINANCE LLC., Plaintiff, v. RYAN RUSSELL AND GEORGE BLEVINS Defendant(s). Case No. CJ-20-17 PETITION Plaintiff, Citrus Tree Finance LLC. for its causes of action against Defendants Ryan Russell and George Blevins, alleges and states: 1. Plaintiff is and at all times relevant hereto, a duly organized and existing entity authorized to transact business within the State of Oklahoma. 2. Defendant, Ryan Russell is a resident of Ottawa County, State of Oklahoma. 3. Defendant, George Blevins is a resident of Ottawa County, State of Oklahoma. 4. The Collateral which is the subject of this action is located at 10099 S 590 Rd, Miami, OK 74354. 5. The Court has jurisdiction over the subject matter hereof and the parties hereto. 6. On or about April 14, 2025, Defendants executed a Retail Installment Sale Contract (the "Contract") for the purchase and finance of a 2025 Toyota Tacoma 4 WD (VIN: 3TYLD5KN1ST014727) (the "Collateral") from Fletcher Auto No 7 LLC. Defendants contracted and agreed to pay a total sales price of $59,269.92 with finance charges at the rate of 13.99%, payments of principal and finance charges to be paid in monthly installments until the total obligation was paid in full. A true and correct copy of the Contract is attached hereto, incorporated herein and marked Exhibit "A". 7. Defendants, Ryan Russell and George Blevins, are in default under the terms and conditions of the Contract as required therein. Although due demand has been made, Defendants has wholly failed, refused and neglected to pay the payments due and owing to Plaintiff. After applying credit to all payments made by Defendants, there remains a principal balance due in the amount of $35,709.00. Further, Plaintiff is entitled to recover any amounts, however characterized, which are provided for under the Contract, including, but not limited to, late charges and the like. 8. The Contract was assigned to Ally Bank who then sold the Contract to Citrus Tree Finance LLC. Ally Bank has maintained the servicing rights to the same. 9. Ally Bank is the lienholder of the Collateral. A copy of Evidence of lien or title is attached hereto as Exhibit “B” and incorporated herein by references. 10. Pursuant to the Contract, Citrus Tree Finance LLC. holds a security interest in and to the property sold to Defendants, Ryan Russell and George Blevins, which is described as follows: 2025 Toyota Tacoma 4 WD (VIN: 3TYLD5KN1ST014727) 11. Defendants, Ryan Russell and George Blevins, have defaulted under the Contract and Security Agreement referred to above, despite demand for performance by the Plaintiff, and are therefore, in default under the Contract and Security Agreement. Plaintiff is entitled to an adjudication entitling it to permanent possession of the Collateral or, in the alternative, the right to sell said Collateral; said choice to be exercised at judgment. 12. Because of Defendants, Ryan Russell and George Blevins’s default under the Contract and Security Agreement, the Plaintiff has a special ownership or interest in the Collateral and is entitled to immediate possession of the Collateral. 13. The actual value of the Collateral is estimated at $39,825.00. 14. The Collateral has not been taken in execution on any order or judgment against the Plaintiff, or for the payment of any tax, fine or amercement assessed against the Plaintiff, or by virtue of an order of delivery issued under Okla. Stat. tit. 12, § 31, or any other means or final process issued against the Plaintiff. 15. The Plaintiff believes that Ryan Russell is in actual or constructive possession of the Collateral, and that the possession is subject to the rights of the Plaintiff. Although the Plaintiff has demanded possession of the Collateral, the Collateral has not been delivered or relinquished to the Plaintiff. Defendant, Ryan Russell, is therefore wrongfully detaining the Collateral. 16. The Plaintiff believes that Defendant, Ryan Russell, may attempt to conceal, damage or destroy the Collateral or a part thereof or remove the Collateral from the state or county, and the Plaintiff will thereby suffer irreparable harm. The Plaintiff is without adequate remedy at law to prevent such harm or injury. 17. The Plaintiff hereby requests the issuance of an Order of Delivery for the recovery of the Collateral. The Plaintiff further requests that the clerk of the Court issue a Notice to be served upon all Defendants, including Ryan Russell and George Blevins, that: (1) an Order of Delivery of the Collateral is sought; (2) all Defendants, including Ryan Russell and George Blevins, have a right to object by written response filed with the Court Clerk and delivered or mailed to the Plaintiff's attorney within five (5) days after service of the Petition; and (3) the Order of Delivery shall be issued by the Clerk in the event no written response is filed within the five (5) day period. Five (5) day Notice provided herein does not extend the date for objecting to the pre-judgment delivery described in the attached Notice or responding to the pre-judgment delivery as described in the attached Notice or responding to the Petition as required by the Summons served herewith. WHEREFORE, the Plaintiff, Citrus Tree Finance LLC. prays: (a) that the Clerk of this Court issue the above-described Notice to Defendants, Ryan Russell and George Blevins, and the other Defendants and further that the Notice inform Defendants, Ryan Russell and George Blevins, that, pursuant to Okla. Stat. tit. 12, § 1571.1, any person who willfully and knowingly damages property in which there exists a valid right to the issuance of an Order of Delivery, or in which such Order has been sought under the provisions of Okla. Stat. tit. 12, § 1571.1 as amended, or who conceals it, with intent to interfere with the enforcement of the Order, or who removes it from the jurisdiction of this Court with the intention of defeating the enforcement of an Order of Delivery, or who willfully refuses to disclose its location to an officer in charge with executing an Order for its delivery, or who, when in possession of such property, willfully interferes with the officer charged with executing such writ shall be guilty of a misdemeanor, and in addition to such criminal penalties as are provided by law, shall be liable to Citrus Tree Finance LLC. for double the amount of the damage done to the property; (b) That this Court issue an Order for the immediate delivery of the Collateral to Citrus Tree Finance LLC.; that the Court issue an order of delivery for the immediate recovery of the aforesaid collateral and for an Order restraining the Defendants, Ryan Russell and George Blevins, from selling, alienating, concealing or damaging said Collateral; and that to effect the monetary judgment of this Court, the Collateral be ordered sold or liquidated according to the laws of the State of Oklahoma, with all proceeds of such sale be applied to the satisfaction of the judgment against the Defendants. (c) That the Court render judgment in favor of Citrus Tree Finance LLC., and against Defendant, Ryan Russell, for the possession of the Collateral, decreeing that Citrus Tree Finance LLC.’s interest is senior and prior to the interest, if any, of Defendants, Ryan Russell and George Blevins, and all other defendants in the Collateral and authorizing the replevin and/or permanent possession of Ryan Russell and George Blevins's security interest in the Collateral. (d) Plaintiff prays it recover a judgment against the Defendants, Ryan Russell and George Blevins, in the principal sum of $35,709.00, plus finance charges in the amount of $2,874.23, plus any other charges that the Plaintiff may be entitled to under the contract and less any credits or adjustments, if applicable and together with late charges, that defendants and all those claiming by, through or under them since the commencement of this action, be forever barred and enjoined from asserting or claiming any right, title, or interest in or to the said collateral; and that it recover such other and further relief as may be just and equitable. Respectfully Submitted, LOGS LEGAL GROUP LLP Kirk J. Cejda #12241 Lesli Peterson #14177 Qhaurium Douglas #33009 William Pace #31180 770 NE 63rd St. Oklahoma City, OK 73105-6431 Phone (405) 848-1819 Fax (405) 848-2009 [email protected] [email protected] [email protected] [email protected] Attorney for Plaintiff VERIFICATION I, Fernando Caballero, am an authorized representative of the Plaintiff, Citrus Tree Finance LLC., and I have read the above and foregoing Petition and said claims are true and correct to the best of my information and belief. Fernando Caballero Name: Fernando Caballero Title: Authorized Representative Subscribed and Sworn to before me, a Notary Public, this 20th day of January, 2026. Patricia Viola Kohut Notary Public My Commission Expires: 07-26-2028 LAW 553-MO-e 12/24 EXHIBIT A RETAIL INSTALLMENT SALE CONTRACT SIMPLE FINANCE CHARGE Buyer Name and Address (Including County and Zip Code) RYAN RUSSELL 10099 s 590 rd Miami, OK 74354-4507 OTTAWA Cell: N/A Email: Co-Buyer Name and Address (Including County and Zip Code) GEORGE BLEVINS 508 2ND AVE NW Miami, OK 74354-6110 OTTAWA Cell: N/A Email: N/A Seller-Creditor (Name and Address) FLETCHER AUTO. NO 7 LLC. 2209 SOUTH RANGELINE ROAD JOPLIN, MO 64804 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>New/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>2025</td> <td>Toyota Tacoma 4WD</td> <td>23</td> <td>3TYLD5KN1ST014727</td> <td>Personal, family, or household unless otherwise indicated below<br>☐ business<br>☐ agricultural ☐ N/A</td> </tr> </table> <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>Amount Financed</th> <th>Total of Payments</th> <th>Total Sale Price</th> </tr> <tr> <td>The cost of your credit as a yearly rate.</td> <td>The dollar amount the credit will cost you.</td> <td>The amount of credit provided to you or on your behalf.</td> <td>The amount you will have paid after you have made all payments as scheduled.</td> <td>The total cost of your purchase on credit, including your down payment of $ 6,000.00 is $ ________________________________.</td> </tr> <tr> <td>13.99% ☐</td> <td>$ 17,560.92</td> <td>$ 35,709.00</td> <td>$ 53,269.92</td> <td>$ 59,269.92</td> </tr> </table> Your Payment Schedule Will Be: (e) means an estimate <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>72</td> <td>$ 739.86</td> <td>Monthly beginning 05/29/2025</td> </tr> <tr> <td>N/A</td> <td>$ N/A</td> <td>N/A</td> </tr> </table> Late Charge. If a payment is not received in full within 15 days after it is due, you will pay a late charge of 5% of the part of the payment that is late. If the payment due is $25 or less, the maximum late charge will be $5. Otherwise, the maximum charge will be $25 and the minimum charge will be $10. 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. 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 ☐ N/A mos. ☐ N/A Name of Gap Contract I want to buy a gap contract. Buyer Signs X ☐ ☐ ☐ N/A 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 OPTIONAL OTHER BENEFIT(S) You want to purchase the other benefit(s) written with the company(ies) and for the coverage periods and charge(s) shown below. Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Company ☐ N/A $ ☐ N/A Coverage Period ☐ N/A Mos. or ☐ N/A Miles Type of Benefit ☐ N/A Returned Check Charge: You agree to pay a charge of $ __25___ if any check you give us is dishonored. ITEMIZATION OF AMOUNT FINANCED 1 Cash Sale Price Vehicle Cash Sale Price (including $ 0.00 sales tax) $ 41,404.00 Administrative Fee $ 295.00 AN ADMINISTRATIVE FEE IS NOT AN OFFICIAL FEE AND IS NOT REQUIRED BY LAW BUT MAY BE CHARGED BY A DEALER. THIS ADMINISTRATIVE FEE MAY RESULT IN A PROFIT TO DEALER. NO PORTION OF THIS ADMINISTRATIVE FEE IS FOR THE DRAFTING, PREPARATION, OR COMPLETION OF DOCUMENTS OR THE PROVIDING OF LEGAL ADVICE. THIS NOTICE IS REQUIRED BY LAW. Other N/A $ N/A Other N/A $ N/A Other N/A $ N/A Total Cash Sale Price $ 41,699.00 (1) 2 Total Downpayment = Trade-In N/A N/A N/A (Year) (Make) (Model) Gross Trade-In Allowance $ N/A Less Pay Off Made By Seller to N/A $ N/A Equals Net Trade In $ N/A + Cash $ 6,000.00 + Other N/A $ N/A + Other N/A $ N/A + Other N/A $ N/A (If total downpayment is negative, enter "0" and see 4H below) 3 Unpaid Balance of Cash Sale Price (1 minus 2) $ 35,699.00 (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 $ N/A B Other Optional Insurance Paid to Insurance Company or Companies $ N/A C Official Fees Paid to Government Agencies to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A D Optional Gap Contract $ N/A E Government Taxes Not Included in Cash Sale Price $ N/A F Government License and/or Registration Fees N/A N/A $ N/A G Government Certificate of Title Fees $ 10.00 H Other Charges (Seller must identify who is paid and describe purpose.) to N/A for Prior Credit or Lease Balance $ 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 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 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 $ 10.00 (4) Amount Financed (3 + 4) $ 35,709.00 (5) Insurance. You may buy the physical damage insurance this contract requires from anyone you choose who is acceptable to us. You may also provide the physical damage insurance through an existing policy owned or controlled by you that is acceptable to us. You are not required to buy any other insurance to obtain credit. If any insurance is checked below, policies or certificates from the named 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: Credit Life $ ____________________________ N/A Credit Disability $ ____________________________ N/A Insurance Company Name ____________________________ 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 cover any increase in your payment or in the number of payments. 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 Premium $ ____________________________ 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 B N/A N/A Buyer Signature Date X B N/A N/A Co-Buyer Signature Date You have a right to cancel credit insurance within 15 days of buying it and receive a full refund or credit for the credit insurance premium. THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will 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 as the law allows. 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. 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. You agree to name us on your insurance policy as loss payee. Unless you provide us with evidence of the insurance coverage required by this contract, we may buy insurance at your expense to protect our interests in the vehicle. This insurance may, but need not protect your interests. The coverage that we buy may not pay any claim that you make or any claim that is made against you in connection with the vehicle. You may later cancel any insurance we buy, but only after providing us with evidence that you have obtained the insurance this contract requires. If we buy insurance for the vehicle, you will be responsible for the costs of that insurance, including the insurance premium, finance charges and any other charges we may impose in connection with the placement of the insurance, until the effective date of the cancellation or expiration of the insurance. We may add the costs of the insurance to your total outstanding balance or obligation. The costs of the insurance may be more than the cost of insurance you may be able to obtain on your own. If we buy insurance, 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 contact. Acceptance of a late payment or late charge 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 at once after we give you any notice the law requires. Default means: • You do not make any payment when due; or • You start a proceeding in bankruptcy or one is started against you or your property; you give false, incomplete, or misleading information during credit application; or you break any agreements in this contract; except that we will only treat these events as defaults if they significantly impair the prospect of payment, performance, or the ability to realize upon the collateral. 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 reasonable fee and any court costs, as the law allows. The maximum attorney’s fee you will pay will be 15% of the amount you owe. You will also pay any collection costs we incur as the law allows. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you after we give you any notice the law requires. We may only take the vehicle if we do so peacefully and the law allows it. If your vehicle has an electronic tracking device (such as GPS), 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. If you do not ask for these items back, we may dispose of them as the law allows. e. 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 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. 4. WARRANTIES SELLER DISCLAIMS 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. 5. 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. 6. SERVICING AND COLLECTION CONTACTS In consideration of our extension of credit to you, you agree to provide us your contact information for our servicing and collection purposes. You agree that we may use this information to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. You agree to allow our agents and service providers to contact you as agreed above. You agree that you will, within a reasonable time, notify us of any change in your contact information. 7. APPLICABLE LAW Federal law and the law of the state of Missouri apply to this contract. Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (borrower(s)) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it. This provision applies only if the vehicle is used for business purposes: Oral or unexecuted agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable, regardless of the legal theory upon which it is based that is in any way related to the credit agreement. To protect you (borrower(s)) and us (creditor) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it. 8. NEGATIVE CREDIT REPORT NOTICE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Electronic Contracting and Signature Acknowledgment. You agree that (i) this contract is an electronic contract executed by you using your electronic signature, (ii) your electronic signature signifies your intent to enter into this contract and that this contract be legally valid and enforceable in accordance with its terms to the same extent as if you had executed this contract using your written signature and (iii) the authoritative copy of this contract ("Authoritative Copy") shall be that electronic copy that resides in a document management system designated by us for the storage of authoritative copies of electronic records, which shall be deemed held by us in the ordinary course of business. Notwithstanding the foregoing, if the Authoritative Copy is converted by printing a paper copy which is marked by us as the original (the "Paper Contract"), then you acknowledge and agree that (1) your signing of this contract with your electronic signature also constitutes issuance and delivery of such Paper Contract, (2) your electronic signature associated with this contract, when affixed to the Paper Contract, constitutes your legally valid and binding signature on the Paper Contract and (3) subsequent to such conversion, your obligations will be evidenced by the Paper Contract alone. 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. 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. 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 XC Co-Buyer Signs XC 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. Notice to the Buyer. Do not sign this contract before you read it or if it contains any blank spaces. You are entitled to an exact copy of the contract you sign. Under the law you have the right to pay off in advance the full amount due and to obtain a partial refund of the finance charge (time price differential). 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 Signs XD Date 04/14/2025 Co-Buyer Signs XD Date 04/14/2025 Buyer Printed Name RYAN RUSSELL Co-Buyer Printed Name GEORGE BLEVINCS If the "business" use box is checked in "Primary Use for Which Purchased": Print Name N/A Title N/A Co-Buyers and Other Owners — A 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 interest in the vehicle given to us in this contract. Other owner signs here X H N/A Address N/A Seller signs FLETCHER AUTO. NO 7 LLC. Date 04/14/2025 By X D Title FI CERTIFICATE OF TITLE STATE OF OKLAHOMA EXHIBIT B VEHICLE IDENTIFICATION NUMBER 3TYLD5KN1ST014727 YEAR 2025 MAKE TOYT MODEL TACOMA TO NO M4922 TITLE NO 810016289990 APPLICATION DATE 02-Jun-2025 DATE 1st SOLD 14-Apr-2025 COLOR Silver BODY TYPE PK TYPE OF TITLE Original ODOMETER 3 Actual DATE ISSUED 03-Jun-2025 MAILING ADDRESS ALLY BANK PO BOX 8100 COCKEYSVILLE MD 21030-8100 NAME AND ADDRESS OF THE VEHICLE OWNER RYAN RUSSELL And GEORGE BLEVINS 10099 S 590 RD MIAMI OK 74354-4507 THIS VEHICLE IS SUBJECT TO THE FOLLOWING LIENS 4/14/2025 ALLY BANK It is hereby certified that according to the records of the Service Oklahoma, the person named hereon is the owner of the vehicle described above which is subject to a lien(s) as shown, however, the vehicle may be subject to other liens or security interests. CONTROL NO 55683188 (This is not a title number) IF REGISTERED OWNER (SELLER) IS A LICENSED DEALER, PLACE OKLAHOMA MOTOR VEHICLE TAX STAMP HERE ASSIGNMENT OF TITLE BY REGISTERED OWNER (If Dealer, List License # Here: ____________________________) I/we hereby assign and warrant ownership of the vehicle described on this certificate to the following, subject only to the liens or encumbrances, if any, properly noted on this certificate. Purchaser(s) Name (Type or Prnt): ________________________________________________________________ Purchaser(s) Complete Address: _________________________________________________________________ Actual Purchase Price of Vehicle: ________________________________________________________________ I certify to the best of my knowledge that the ODOMETER READING reflected on the vehicle's odometer and listed below is the ACTUAL MILEAGE of the vehicle UNLESS one of the accompanying statements is checked. ☐ ☐ ☐ ☐ ☐ ☐ ☐ ☐ (NO TENTHS) ☐ 1 The odometer has exceeded its mechanical limits ☐ 2 The odometer reading is NOT the actual mileage Warning—Odometer Discrepancy Signature of Seller(s): __________________________ Printed Name of Seller(s): __________________________ Subscribed and Sworn to Before me this __________________________ Day of ____________________________, 20____ Notary Public: __________________________ Commission Expiration __________________________ Signatures required only of seller's signature(s). Affix notary seal/stamp to the right. Signature of Buyer(s): __________________________ Printed Name of Buyer(s): __________________________