Tinker Federal Credit Union v. Kameron D. Owens

IN THE DISTRICT COURT OF OKLAHOMA COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) ) Plaintiff, ) vs. ) KAMERON D. OWENS, ) Defendant. FILED DISTRICT COURT OKLAHOMA COUNTY, OKLAHOMA February 25, 2026 3:56 PM RICK WARREN, COURT CLERK Case Number CS-2026-2513 PETITION Plaintiff, Tinker Federal Credit Union ("Plaintiff"), for its cause of action against the Defendant, Kameron D. Owens ("Defendant"), alleges and states as follows: CLAIM ONE: BREACH OF CONTRACT – SHARE ACCOUNT S2 1. On or about February 13, 2019, Defendant executed a share account (hereinafter referred to as the "Contract") and became obligated to pay TFCU for all charges made thereon. See Exhibit “A”. 2. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $1,072.82 as of January 21, 2026. 3. TFCU is entitled to reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936. 4. Pursuant to the Servicemember’s Civil Relief Act of 2003, TFCU has reviewed the Department of Defense website and determined Defendant is not in the military. See the Affidavit attached hereto as Exhibit “B”. 5. Pursuant to 40 O.S. §4-508(D), TFCU requests an Order that at any time or times subsequent to the filing of this order, the Oklahoma Employment Security Commission shall produce, within thirty (30) days of receipt of this order, employment information of the Defendant. WHEREFORE, Tinker Federal Credit Union prays for judgment against Defendant, Kameron D. Owens for $1,072.82, plus TFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment, all contractual charges as set forth in the Contract and all other relief this Court deems just. CLAIM TWO: BREACH OF CONTRACT – REPYLEVIN L50 6. On or about April 10, 2019, Defendant executed a Promissory Note (hereinafter referred to as the "Contract") and became obligated to pay Plaintiff the principal amount of $12,832.00, plus interest at 11.9900% per annum, according to the terms of the Contract. A copy of the Contract is attached hereto as Exhibit "C". 7. As part of the Contract and to secure the performance of Defendant, Defendant executed a Security Agreement and granted Plaintiff a security interest in a 2015 HYUNDAI VELOSTER Vin # KMHTC6AD7FU232620 (hereinafter referred as the "Collateral"). Plaintiff properly perfected its security interest in accordance with Oklahoma law. A copy of the Lien Entry is attached hereto as Exhibit "D". 8. Defendant failed to pay pursuant to the terms of the Contract, despite demand by Plaintiff, and are therefore in default under the Contract and Security Agreement. 9. As of January 21, 2026, the balance due on the Contract was $4,732.27. 10. Plaintiff is entitled to reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and Security Agreement and under 12 O.S. §936. 11. Because of Defendant’s default under the Contract and Security Agreement, Plaintiff has a special ownership or interest in the Collateral and is entitled to immediate possession of the Collateral. 12. The actual value of the Collateral is estimated at $4,725.00. 13. The Collateral has not been taken in execution on any order or judgment against Plaintiff, or for the payment of any tax, fine or amercement assessed against Plaintiff, or by virtue of an order of delivery issued under Chapter 31 of Title 12 of the Oklahoma Statutes, or for any other mesne or final process issued against Plaintiff. 14. Plaintiff believes that Defendant is in actual or constructive possession of the Collateral, and that Defendant’s possession is subject to the rights of Plaintiff. Although Plaintiff has demanded possession of the Collateral, Defendant failed to deliver or relinquish possession of the Collateral to Plaintiff. Defendant is, therefore, wrongfully detaining the Collateral. 15. Plaintiff believes that Defendant may attempt to conceal, damage or destroy the Collateral or a part thereof, or to remove the Collateral for the State or County, and Plaintiff will thereby suffer irreparable harm. Plaintiff is without adequate remedy at law to prevent such harm and injury. As such, Plaintiff respectfully requests this Court to enter an Order requiring Defendant to appear and disclose the location of the Collateral. 16. Plaintiff requests an Order authorizing it to issue subpoenas immediately pursuant to 12 O.S. §2004.1 related to the location of the Collateral and Defendant’s cell phone records and data. WHEREFORE, Tinker Federal Credit Union prays: (a) that the clerk of this Court issue the above-described notice to Defendant, and further that the notice inform Defendant, that pursuant to 12 O.S. §1571.1, any person who willfully or knowingly damages property in which there exists a valid right to issuance of an order of delivery, or on which such order shall be sought under the provisions of 12 O.S. §1571, 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 charged with execution an order for its delivery, or who, when in possession of such property, willfully interferes with the officers charged with execution such writ, shall be guilty of a misdemeanor, and in addition to such criminal penalties as are provided by law, shall be liable to Plaintiff for double the amount of damages done to the property, together with a reasonable attorney's fees to be fixed by the Court; (b) that this Court enter money judgment for Plaintiff and against Defendant, in the amount of $4,732.27, plus interest since January 21, 2026, at a rate of 11.9900% until paid, plus Plaintiff's court costs and a reasonable attorney's fee; (c) that this Court issue an order for immediate delivery of the Collateral to Plaintiff; (d) that this Court issue an Order requiring Defendant to appear and disclose the location of the Collateral; (e) Plaintiff requests an Order authorizing it to issue subpoenas immediately pursuant to 12 O.S. §2004.1 to nonparties for the production of documentary evidence related to the location of the Collateral and Defendant’s cell phone records and data, (f) that this Court render judgment in favor of Plaintiff and against the Defendant for possession of the Collateral, decreeing that Plaintiff's interest in the Collateral is senior and prior to the interest of Defendant in the Collateral, and authorizing the foreclosure of Plaintiff's security interest in the Collateral, and (g) award all contractual charges as set forth in the Contract and all other relief this Court deems just. CLAIM THREE: BREACH OF CONTRACT – CREDIT CARD X3021 17. On or about April 1, 2019, Defendant executed a credit card open account (hereinafter referred to as the "Contract") and became obligated to pay TFCU for all charges made thereon. See Exhibit “E”. 18. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $324.24 as of January 21, 2026. 19. TFCU is entitled to contractual interest, reasonable attorney's fees and its reasonable costs of collection under the terms of the Contract and under 12 O.S. §936. WHEREFORE, Tinker Federal Credit Union prays for judgment against Defendant, Kameron D. Owens for $324.24, plus contractual interest, TFCU’s reasonable attorney’s fees and costs incurred in pursuit of this action, TFCU’s reasonable attorney’s fees and costs incurred in collection of the Judgment and for such other and further relief as this Court deems just and proper. Respectfully submitted, Jeffery S. Ludlam, OBA #17822 HALL & LUDLAM, PLLC 210 Park Ave, Suite 3001 Oklahoma City, OK 73102 (405) 600-9500 Telephone (405) 871-5403 Facsimile [email protected] VERIFICATION STATE OF OKLAHOMA ) ) ss. COUNTY OF OKLAHOMA ) I, Idella Rowe, of lawful age, being first duly sworn upon oath, state: That I am an agent for the plaintiff, Tinker Federal Credit Union, the above-named; that I have read the above and foregoing Petition; that the matters, facts and things therein stated are true and correct to the best of my belief and knowledge. Idella Rowe Subscribed and sworn to before me this 5th day of February, 2026. Ashley Brittain Notary Public My Commission Expires: Tinker Federal Credit Union Account Agreement Primary Owner: Please PRINT all information: Kameron D Owens Social Security Number /1996 First Name Middle Initial Last Name Date of Birth 9321 Ne Sherwell Dr Midwest City OK 73130-1125 U.S.A Street Address City State Zip Code Country of Residence BROOK HAVEN CARE HEALTHCARE - SUPPORT 405-322-5659 405-512-2878 Employer Occupation Work Phone Home Phone ALLEN [email protected] Mother's Maiden Name E-Mail Address Joint Owners / Beneficiaries / Trustees / or Other Designation: 1. <table> <tr> <th>First Name</th><th>Middle Initial</th><th>Last Name</th><th>Social Security Number</th><th>Date of Birth</th> </tr> <tr> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <th>Street Address</th><th>City</th><th>State</th><th>Zip Code</th><th>Country of Residence</th> </tr> <tr> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <th>Employer</th><th>Occupation</th><th>Work Phone</th><th>Home Phone</th> </tr> <tr> <td>(mark one) □ Joint Owner □ Beneficiary</td><td>□ Contingent Beneficiary</td><td>□ Trustee □ Other (title)</td><td></td> </tr> </table> 2. <table> <tr> <th>First Name</th><th>Middle Initial</th><th>Last Name</th><th>Social Security Number</th><th>Date of Birth</th> </tr> <tr> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <th>Street Address</th><th>City</th><th>State</th><th>Zip Code</th><th>Country of Residence</th> </tr> <tr> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <th>Employer</th><th>Occupation</th><th>Work Phone</th><th>Home Phone</th> </tr> <tr> <td>(mark one) □ Joint Owner □ Beneficiary</td><td>□ Contingent Beneficiary</td><td>□ Trustee □ Other (title)</td><td></td> </tr> </table> 3. <table> <tr> <th>First Name</th><th>Middle Initial</th><th>Last Name</th><th>Social Security Number</th><th>Date of Birth</th> </tr> <tr> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <th>Street Address</th><th>City</th><th>State</th><th>Zip Code</th><th>Country of Residence</th> </tr> <tr> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <th>Employer</th><th>Occupation</th><th>Work Phone</th><th>Home Phone</th> </tr> <tr> <td>(mark one) □ Joint Owner □ Beneficiary</td><td>□ Contingent Beneficiary</td><td>□ Trustee □ Other (title)</td><td></td> </tr> </table> TIN Certification and Backup Withholding Information By signing below, (unless designated below) under penalties of perjury, I certify that: 1. ☒ The number shown on this form is my correct taxpayer identification number, and 2. A) ☒ I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding. or B) ☐ I am subject to backup withholding, and 3. A) ☒ I am a U.S. person/citizen which includes U.S. resident alien or ☐ B) I am a non-resident alien, and 4. ☒ The FATCA code entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. Certification instructions: For item 3 above, complete IRS Form W-8BEN if you are a non-resident alien. Item 4 does not apply. By signing below, I/we also agree to the terms and conditions of the Share Accounts, Truth-in-Savings rate and fee disclosures, Electronic Funds Transfer Agreement, Funds Availability Policy Disclosure, and to any amendment the Credit Union makes from time to time, all of which are incorporated herein by reference. I/We acknowledge receipt of a copy of the Share Account Terms and Conditions, Privacy Notice, and Disclosures applicable to the accounts and services requested herein. I/We authorize TFCU to check my/our account, credit, and employment history and obtain reports from third parties, including credit reporting agencies, to verify my/our eligibility for accounts and services. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents. The Internal Revenue Service does not require you to consent to any provision of this document other than the certifications required to avoid backup withholding. [Signature] 02/13/2019 Signature KAMERON D OWENS Date [Signature] [Date] Signature Date To be completed by TFCU Member Service Representative: ☒ Primary Share ☐ Secondary Share ______ ___ ___ ☐ Command Fund ☐ Premium Plus ☐ Christmas Club ☐ The SaveAbles Kids Club ☐ Click Checking ☐ Heritage Checking ☐ Classic Checking ☐ Sole Ownership ☐ Joint Tenancy ☐ Payable on Death ☐ Organization ☐ Trust ☐ Estate ☐ Court ☐ OUTSIDE ☐ Conservator ☐ DHS Order ☐ Representative Payee Overdraft Protection ☐ No Overdraft 1 ____________________________ 2 ____________________________ Account Type Date 02/13/19 Member Eligibility / 0393 Teller # 1388 Initials RM Additional Joint Owners on Attached Page New Account ☒ Account Change ☐ Change Made ______ <table> <tr> <th>Post Date</th> <th>ID</th> <th>Eff Date</th> <th>Transacti...</th> <th>Trans Amt</th> <th>Balance...</th> <th>Int/...</th> <th>Fees</th> <th>New Balance</th> <th>Description</th> <th>Prev Availa...</th> </tr> <tr> <td>08/22/2023</td> <td>S 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<td>-1,082.52</td> <td>Overdrawn NSFee</td> <td>-1,060.02</td> </tr> <tr> <td>05/02/2023</td> <td>S 0...</td> <td>05/02/2023</td> <td></td> <td>%% ACH ECC PPD</td> <td></td> <td></td> <td></td> <td></td> <td>In the amount $116.36 PROG DIRECT INS</td> <td></td> </tr> <tr> <td>04/29/2023</td> <td>S 0...</td> <td>04/29/2023</td> <td></td> <td>Fee With... 22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-1,060.02</td> <td>Overdrawn NSFee</td> <td>-1,037.52</td> </tr> <tr> <td>04/18/2023</td> <td>S 0...</td> <td>04/18/2023</td> <td></td> <td>Fee With... 22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-1,037.52</td> <td>Force Paid EFT</td> <td>-1,015.02</td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td>%% MCC 5816 GOOGLE *Chess com 855-836-3987 CA</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>04/18/2023</td> <td>S 0...</td> <td>04/18/2023</td> <td></td> <td>Bill Paym... 16.99</td> <td>-16.99</td> <td>0.00</td> <td>0.00</td> <td>-1,015.02</td> <td>#071567</td> <td>-998.03</td> </tr> <tr> <td>04/18/2023</td> <td>S 0...</td> <td>04/18/2023</td> <td></td> <td>Fee With... 22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-998.03</td> <td>OD Coverage Fee</td> <td>-992.52</td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td>%% MCC 5734 GOOGLE *Apple 855-836-3987 CA</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>04/18/2023</td> <td>S 0...</td> <td>04/18/2023</td> <td></td> <td>Bill Paym... 10.99</td> <td>-10.99</td> <td>0.00</td> <td>0.00</td> <td>-975.53</td> <td>#096661</td> <td>-981.53</td> </tr> <tr> <td>04/17/2023</td> <td>S 0...</td> <td>04/17/2023</td> <td></td> <td>Fee With... 22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-964.54</td> <td>OD Coverage Fee</td> <td>-942.04</td> </tr> <tr> <td></td> <td></td> <td></td> <td></td> <td>%% MCC 4816</td> <td></td> <td></td> <td></td> <td></td> <td>Date 04/16/24 24999894107900017010937 4816 SEARCH 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DEFAULT/CLICK CHECKING <table> <tr> <th>Post Date</th> <th>ID</th> <th>Eff Date</th> <th>Transacti...</th> <th>Trans Amt</th> <th>Balance...</th> <th>Int/...</th> <th>Fees</th> <th>New Balance</th> <th>Description</th> <th>Prev Avalia...</th> </tr> <tr> <td>04/11/20...</td> <td>S 0...</td> <td>04/11/20...</td> <td>Debit Ca...</td> <td>3.79</td> <td>-3.79</td> <td>0.00</td> <td>0.00</td> <td>-718.14</td> <td>MoneyPlus</td> <td>-714.35</td> </tr> <tr> <td>04/10/2...</td> <td>S 0...</td> <td>04/10/2...</td> <td>Fee With...</td> <td>22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-714.35</td> <td>OD Coverage Fee</td> <td>-691.85</td> </tr> <tr> <td colspan="6">% MCC 5734</td> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <td colspan="10">GOOGLE *WM Max LLC 855-836-3987 CA</td> <td></td> </tr> <tr> <td>04/10/2...</td> <td>S 0...</td> <td>04/10/2...</td> <td>Bill Paym...</td> <td>15.99</td> <td>-15.99</td> <td>0.00</td> <td>0.00</td> <td>-691.85</td> <td>#043164</td> <td>-675.86</td> </tr> <tr> <td>04/06/2...</td> <td>S 0...</td> <td>04/06/2...</td> <td>Fee With...</td> <td>22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-675.86</td> <td>OD Coverage Fee</td> <td>-653.36</td> </tr> <tr> <td colspan="6">% MCC 5968</td> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <td colspan="10">Amazon Prime*JJ1S29813 Amzn.com/bill WA</td> <td></td> </tr> <tr> <td>04/06/2...</td> <td>S 0...</td> <td>04/06/2...</td> <td>Bill Paym...</td> <td>14.99</td> <td>-14.99</td> <td>0.00</td> <td>0.00</td> <td>-653.36</td> <td>#041872</td> <td>-638.37</td> </tr> <tr> <td>04/06/2...</td> <td>S 0...</td> <td>04/06/2...</td> <td>Fee With...</td> <td>22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-638.37</td> <td>OD Coverage Fee</td> <td>-615.87</td> </tr> <tr> <td colspan="6">% MCC 4899</td> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <td colspan="10">APPLE COM BILL CUPERTINO CA</td> <td></td> </tr> <tr> <td>04/06/2...</td> <td>S 0...</td> <td>04/06/2...</td> <td>Bill Paym...</td> <td>2.99</td> <td>-2.99</td> <td>0.00</td> <td>0.00</td> <td>-615.87</td> <td>#029733</td> <td>-612.88</td> </tr> <tr> <td>04/01/2...</td> <td>S 0...</td> <td>04/01/2...</td> <td>NEGATIVE BALANCE TRANSFER</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>04/01/2...</td> <td>S 0...</td> <td>04/01/2...</td> <td>Transfer ...</td> <td>46.38</td> <td>46.38</td> <td>0.00</td> <td>0.00</td> <td>-612.88</td> <td>From Share 0001</td> <td>-659.26</td> </tr> <tr> <td>04/01/2...</td> <td>S 0...</td> <td>04/01/2...</td> <td>Fee With...</td> <td>22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-659.26</td> <td>OD Coverage Fee</td> <td>-636.76</td> </tr> <tr> <td colspan="6">% MCC 4829</td> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <td colspan="10">Date 04/01/24 24011344092000051603551 4829</td> <td></td> </tr> <tr> <td colspan="10">FLEX FINANCE HTTPSGETFLEX. NY</td> <td></td> </tr> <tr> <td>04/01/2...</td> <td>S 0...</td> <td>04/01/2...</td> <td>Debit Ca...</td> <td>607.61</td> <td>-607.61</td> <td>0.00</td> <td>0.00</td> <td>-636.76</td> <td>MoneyPlus</td> <td>-29.15</td> </tr> <tr> <td>03/31/2...</td> <td>S 0...</td> <td>03/31/2...</td> <td>Fee With...</td> <td>22.50</td> <td>-22.50</td> <td>0.00</td> <td>0.00</td> <td>-29.15</td> <td>OD Coverage Fee</td> <td>-6.65</td> </tr> <tr> <td colspan="6">% MCC 5812</td> <td></td><td></td><td></td><td></td><td></td> </tr> <tr> <td colspan="10">Date 03/31/24 24011344091000027147031 5812</td> <td></td> </tr> <tr> <td colspan="10">DD *DOORDASHDASHPASS WWW.DOORDASH. CA</td> <td></td> </tr> <tr> <td>03/31/2...</td> <td>S 0...</td> <td>03/31/2...</td> <td>Debit Ca...</td> <td>9.99</td> <td>-9.99</td> <td>0.00</td> <td>0.00</td> <td>-6.65</td> <td>MoneyPlus</td> <td>3.34</td> </tr> </table> ; AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA ) ) ss. Tay Parker, of lawful age, being first duly sworn, upon oath deposes and states: 1. I am a Collections Legal Specialist for Tinker Federal Credit Union and I am authorized to make this Affidavit of its behalf. Based on a review of the Department of Defense website Kameron D Owens not in the military. A copy is attached hereto. Signed under penalty of perjury, [Signature] Tay Parker Subscribed and sworn to before me this 21st day of January, 2026. [Notary Public Signature] My Commission Expires: [seal] (SEAL) EXHIBIT B Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-1587 Birth Date: Last Name: OWENS First Name: KAMERON Middle Name: Status As Of: Jan-21-2026 Certificate ID: B7DPC14XT0TQWVD <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individual's active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/faqqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. LOAN AND SECURITY AGREEMENTS AND DISCLOSURE STATEMENT FIXED RATE VARIABLE RATE LOAN DATE: 04/10/19 LOAN NUMBER: 0050 ACCOUNT NUMBER: GROUP POLICY NUMBER: N/A MATURITY DATE: 04/25/2026 BORROWER 1 NAME AND ADDRESS KAMERON D OWENS 15336 Morningside Dr Choctaw OK 73020 BORROWER 2 NAME (AND ADDRESS IF DIFFERENT FROM BORROWER 1) TRUTH IN LENDING DISCLOSURE 'e' means an estimate ANNUAL PERCENTAGE RATE: 11.990% FINANCE CHARGE: $6,291.98 e Amount Financed: $12,832.00 Total of Payments: $19,123.98e Total Sale Price: $0.00 which includes your downpayment of $N/A. Your Payment Schedule Will Be: Number of Amount of Payments When Payments Are 083 $227.67 Monthly BEGINNING 05/25/19 1 $227.37 e MATURING 04/25/26 Prepayment: If you pay off early you will not have to pay a penalty. Required Deposit: The Annual Percentage Rate does not take into account your required deposit, if any. Assumption: Someone buying your mobile home cannot assume the remainder of the loan on the original terms. Demand: [ ] This obligation has a demand feature. [ ] All disclosures are based on an assumed maturity of one year. Property Insurance: You may obtain property insurance from anyone you want that is acceptable to the credit union. If you get the insurance from us, you will pay $N/A. Late Charge: If any payment or portion of payment you make is more than ten days past its due date, you will be charged the greater of $20.50 or 5.00% of the unpaid amount of the scheduled monthly payment. No late charge will be assessed on any payment when the delinquency is caused only by late fees assessed on earlier payments, and the payment received is otherwise a full payment. Security: Collateral securing other loans with the credit union may also secure this loan. You are giving a security interest in your shares and dividends and, if any, your deposits and interest in the credit union; and the property described below: Collateral Property/Model/Make Year I.D. Number Type Value Key Number HYUNDAI Veloster 2015 KMHTC6AD7FU232620 N/A $N/A N/A N/A $N/A N/A N/A $N/A N/A Other (Describe) Pledge of Shares $0.00 in Account No. $0.00 in Account No. Variable Rate: N/A See your contract documents for any additional information about nonpayment, default, and any required repayment in full before the scheduled date. SIGNATURES By signing as Borrower, you agree to the terms of the Loan Agreement. If property is described in the "Security" section of the Truth in Lending Disclosure, you also agree to the terms of the Security Agreement. If you sign as "Owner of Property" you agree only to the terms of the Security Agreement. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT. BORROWER 1 (SEAL) 04/10/19 DATE X OTHER BORROWER [ ] OWNER OF PROPERTY [ ] WITNESS DATE BORROWER 2 (SEAL) 04/10/19 DATE X OTHER BORF Credit Union TINKER FEDERAL CREDIT UNION Borrower(s) KAMERON D OWENS ITEMIZATION OF THE AMOUNT FINANCED <table> <tr> <th>Itemization of Amount Financed of</th> <th>Amount Given to You Directly</th> <th>Amount Paid on Your Account</th> <th>Prepaid Finance</th> </tr> <tr> <td>$12,832.00</td> <td>$0.00</td> <td>$0.00</td> <td>$N/A</td> </tr> </table> Amounts Paid to Others on Your Behalf: (If an amount is marked with an asterisk (*) we will be retaining a portion of the amount.) <table> <tr> <th></th> <th></th> <th></th> <th></th> </tr> <tr> <td>$332.00</td> <td>To GAP FEE</td> <td>$0.00</td> <td>To</td> </tr> <tr> <td>$12,490.00</td> <td>To SIGHT DRAFT</td> <td>$0.00</td> <td>To</td> </tr> <tr> <td>$10.00</td> <td>To LIEN FEE</td> <td>$0.00</td> <td>To</td> </tr> <tr> <td>$0.00</td> <td>To</td> <td>$0.00</td> <td>To</td> </tr> <tr> <td>$0.00</td> <td>To</td> <td>$0.00</td> <td>To</td> </tr> <tr> <td>$0.00</td> <td>To</td> <td>$0.00</td> <td>To</td> </tr> <tr> <td>$0.00</td> <td>To</td> <td>$0.00</td> <td>To</td> </tr> </table> LOAN AGREEMENT In this Loan Agreement ("Agreement") all references to "Credit Union," "we," "our," or "us," mean the Credit Union whose name appears above and anyone to whom the Credit Union assigns or transfers this Agreement. All references to "you," or "your" mean each person who signs this Agreement as a borrower. 1. PROMISE TO PAY - You promise to pay $12,832.00 to the Credit Union plus interest on the unpaid balance until what you owe has been repaid. For fixed rate loans the interest rate is 11.990% per year. For variable rate loans the initial interest rate is N/A % per year and will vary as follows: N/A Collection Costs: If you default under this agreement, we are entitled to, and you will be liable for all reasonable costs and expenses of us realizing on our security interest, including without limitation, court costs, fees for replevin bonds, storage, repossession costs, repair and preparation costs for sale selling costs and reasonable attorney's fees. You will also be liable and will be required to pay all reasonable costs, expenses and fees we incur in connection with collecting any money you owe us, including attorneys' fees of 15% of the amount in default or as provided by statute. 2. PAYMENTS - You promise to make payments of the amount and at the time shown in the Truth in Lending Disclosure. If this is a variable rate loan, the Promise to Pay section tells you whether, if the interest rate increases, you will have to make more payments, higher payments, or if the final payment will be a balloon payment. All prepayments will be applied first to accrued and unpaid Finance Charge. Any language to the contrary notwithstanding, the balance of any prepayments may be applied, at the option of Lender, (i) to the final installments of the principal, beginning with the final installment, which may shorten the maturity of the loan or reduce the final payment or payments, or (ii) to the prepayment of the next forthcoming installments of principal and interest, in order, which will not shorten the maturity of the loan or reduce any remaining payments. If you do not make payments exactly as scheduled, your final payment may be more or less than the amount of the final payment that is disclosed. If you elect voluntary payment protection, we will either include the premium or program fees in your payments or extend the term of your loan. If the term is extended, you will be required to make additional payments of the scheduled amount, until what you owe has been paid. You promise to make all payments to the place we choose. If this loan refinances another loan we have with you, the other loan will be canceled and refinanced as of the date of this loan. Unless otherwise required by law, payments will be applied to amounts owed in the manner we choose. 3. LOAN PROCEEDS BY MAIL - If the proceeds of this loan are mailed to you, interest on this loan begins on the date the loan proceeds are mailed to you. 4. SECURITY FOR LOAN - This Agreement is secured by all property described in the "Security" section of the Truth in Lending Disclosure. Property securing other loans you have with us also secures this loan, unless the property is a dwelling. A dwelling secures this loan only if it is described in the "Security" section of the Truth in Lending Disclosure for this loan. In addition to your pledge of shares, we may also have what is known as a statutory lien on all individual and joint accounts you have with us. A statutory lien means we have the right under federal law and many state laws to claim an interest in your accounts. We can enforce a statutory lien against your shares and dividends, and if any, interest and deposits, in all individual and joint accounts you have with us to satisfy any outstanding financial obligation that is due and payable to us. We may exercise our right to enforce this lien without further notice to you, to the extent permitted by law. For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with the credit union now and in the future. The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. 5. DEFAULT - You will be in default under this Agreement if you do not make a payment of the amount required on or before the date it is due. You will be in default if you break any promise you made in connection with this loan or if anyone is in default under any security agreement made in connection with this Agreement. You will be in default if you die, file for bankruptcy, become insolvent (that is, unable to pay your bills and loans as they become due), or if you made any false or misleading statements in your loan application. You will also be in default if something happens that we believe may seriously affect your ability to repay what you owe under this Agreement or if you are in default under any other loan agreement you have with us. 6. ACTIONS AFTER DEFAULT - When you are in default, we may demand immediate payment of the entire unpaid balance under this Agreement. You waive any right you have to receive demand for payment, notice of intent to demand immediate payment and notice of demand for immediate payment. If we demand immediate payment, you will continue to pay interest at the rate provided for in this Agreement, until what you owe has been repaid. We will also apply against what you owe any shares and/or deposits given as security under this Agreement. We may also exercise any other rights given by law when you are in default. 7. EACH PERSON RESPONSIBLE - Each person who signs this Agreement will be individually and jointly responsible for paying the entire amount owed under this Agreement. This means we can enforce our rights against any one of you individually or against all of you together. 8. LATE CHARGE - If you are late in making a payment, you promise to pay the late charge shown in the Truth in Lending Disclosure. If no late charge is shown, you will not be charged one. 9. DELAY IN ENFORCING RIGHTS - We can delay enforcing any of our rights under this Agreement any number of times without losing the ability to exercise our rights later. We can enforce this Agreement against your heirs or legal representatives. 10. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 11. NOTICES - Notices will be sent to you at the most recent address you have given us in writing. Notice to any one of you will be notice to all. 12. USE OF ACCOUNT - You promise to use your account for consumer (personal, family or household) purposes, unless the credit union gives you written permission to use the account also for agricultural or commercial purposes, or to purchase real estate. 13. NO ORAL AGREEMENTS -- THIS NOTE CONSTITUTES A "WRITTEN LOAN AGREEMENT" PURSUANT TO SECTION 26.02 OF THE TEXAS BUSINESS AND COMMERCE CODE, IF SUCH SECTION APPLIES. THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 14. OTHER PROVISIONS - In this Agreement all references to "credit union," "we," "our" or "us" mean the credit union whose name appears on this document and anyone to whom the credit union assigns or transfers this Agreement. All references to the "Loan" mean the loan described in the Loan Agreement that is part of this document. All references to "you" or "your" mean any person who signs this Agreement. 1. THE SECURITY FOR THE LOAN - You give us what is known as a security interest in the property described in the "Security" section of the Truth in Lending Disclosure that is part of this document ("the Property"). The security interest you give includes all accessions. Accessions are things which are attached to or installed in the Property now or in the future. The security interest also includes any replacements for the Property which you buy within 10 days of the Loan and any extensions, renewals or refinancings of the Loan. It also includes any money you receive from selling the Property or from insurance you have on the Property. If the value of the Property declines, you promise to give us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Loan and any extensions, renewals or refinancings of the Loan. If the Property is not a dwelling, the security interest also secures any other loans, including any credit card loan, you have now or receive in the future from us and any other amounts you owe us for any reason now or in the future, except any loan secured by your principal residence. If the Property is household goods as defined by the Federal Trade Commission Credit Practices Rule or your principal residence, the Property will secure only this Loan and not other loans or amounts you owe us. 3. OWNERSHIP OF THE PROPERTY - You promise that you own the Property or, if this Loan is to buy the Property, you promise you will use the Loan proceeds for that purpose. You promise that no one else has any interest in or claim against the Property that you have not already told us about. You promise not to sell or lease the Property or to use it as security for a loan with another creditor until the Loan is repaid. You promise you will allow no other security interest or lien to attach to the Property either by your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If your state issues a title for the Property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. You irrevocably authorize us to execute (on your behalf), if applicable, and file one or more financing, continuation or amendment statements pursuant to the Uniform Commercial Code (UCC) in form satisfactory to us. You promise to do whatever else we think is necessary to protect our security interest in the Property. You also promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the Property, to the extent permitted by applicable law. 5. USE OF PROPERTY - Until the Loan has been paid off, you promise you will: (1) Use the Property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the Property or changing the address where the Property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the Property. (5) Promptly notify us if the Property is damaged, stolen or abused. (6) Not use the Property for any unlawful purpose. (7) Not retile Property in another state without telling us. 6. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the Property and to keep the Property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the Property is lost or damaged, we can use the insurance settlement to repair the Property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. If you do not pay the taxes or fees on the Property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the Loan and you will pay interest on those amounts at the same rate you agreed to pay on the Loan. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the Loan may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the Loan, we may increase your payments to pay the amount added within the term of the insurance or term of the Loan. 7. INSURANCE NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the Property. The premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 8. DEFAULT - You will be in default if you break any promise you make or fail to perform any obligation you have under this Agreement. You will also be in default under this Agreement if the Loan is in default. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in it. 9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When you are in default, we may demand immediate payment of the outstanding balance of the Loan without giving you advance notice and take possession of the Property. You agree the Credit Union has the right to take possession of the Property without judicial process if this can be done without breach of the peace. If we ask, you promise to deliver the Property at a time and place we choose. If the property is a motor vehicle or boat, you agree that we may obtain a key or other device necessary to unlock and operate it, when you are in default. We will not be responsible for any other property not covered by this Agreement that you leave inside the Property or that is attached to the Property. We will try to return that property to you or make it available for you to claim. After we have possession of the Property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and selling the Property will be deducted from the money received from the sale. Those costs may include the cost of storing the Property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. If you have agreed to pay the Loan, you must pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Loan and to what you owe under this Agreement. You agree to pay interest on that amount at the same rate as the Loan until that amount has been paid. 10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN - We can delay enforcing any of our rights under this Agreement any number of times without losing the ability to exercise our rights later. We can enforce this Agreement against your heirs or legal representatives. If we change the terms of the Loan, you agree that this Agreement will remain in effect. 11. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 12. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. 13. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address you gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.00. [ ] The following notice applies ONLY when the box at left is 14. 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 THEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 15. OTHER PROVISIONS - BORROWER 1 NAME AND ADDRESS KAMERON D OWENS 15336 Morningside Dr Choctaw OK 73020 OWNER OF COLLATERAL NAME AND ADDRESS Collateral HYUNDAI Veloster Property/Model/Make Year I.D. Number 2015 KMHTC6AD7FU232620 Lien Amount $ N/A $ N/A $ N/A Value $ N/A $ N/A $ N/A Key Number N/A N/A N/A Other (Describe) Pledge of Shares $ 0.00 in Account No. $ 0.00 in Account No. SECURITY AGREEMENT In this Agreement all references to "credit union," "we," "our" or "us" mean the credit union whose name appears on this document and anyone to whom the credit union assigns or transfers this Agreement. All references to the "Loan" mean the loan with the loan number specified above. All references to "you" or "your" mean any person who signs this Agreement. 1. THE SECURITY FOR THE LOAN - You give us what is known as a security interest in the property described in the "Security" section above ("the Property"). The security interest you give includes all accessions. Accessions are things which are attached to or installed in the Property now or in the future. The security interest also includes any replacements for the Property which you buy within 10 days of the Loan and any extensions, renewals or refinancings of the Loan. It also includes any money you receive from selling the Property or from insurance you have on the Property. If the value of the Property declines, you promise to give us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Loan and any extensions, renewals or refinancings of the Loan. If the Property is not a dwelling, the security interest also secures any other loans, including any credit card loan, you have now or receive in the future from us and any other amounts you owe us for any reason now or in the future, except any loan secured by your principal residence. If the Property is household goods as defined by the Federal Trade Commission Credit Practices Rule or your principal residence, the Property will secure only this Loan and not other loans or amounts you owe us. 3. OWNERSHIP OF THE PROPERTY - You promise that you own the Property or, if this Loan is to buy the Property, you promise you will use the Loan proceeds for that purpose. You promise that no one else has any interest in or claim against the Property that you have not already told us about. You promise not to sell or lease the Property or to use it as security for a loan with another creditor until the Loan is repaid. You promise you will allow no other security interest or lien to attach to the Property either by your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If your state issues a title for the Property, you promise to have our security interest shown on the title. We may have to file what is called a financing statement to protect our security interest from the claims of others. You irrevocably authorize us to execute (on your behalf), if applicable, and file one or more financing, continuation or amendment statements pursuant to the Uniform Commercial Code (UCC) in form satisfactory to us. You promise to do whatever else we think is necessary to protect our security interest in the Property. You also promise to pay all costs, including but not limited to any attorney fees, we incur in protecting our security interest and rights in the Property, to the extent permitted by applicable law. 5. USE OF PROPERTY - Until the Loan has been paid off, you promise you will: (1) Use the Property carefully and keep it in good repair. (2) Obtain our written permission before making major changes to the Property or changing the address where the Property is kept. (3) Inform us in writing before changing your address. (4) Allow us to inspect the Property. (5) Promptly notify us if the Property is damaged, stolen or abused. (6) Not use the Property for any unlawful purpose. (7) Not retile Property in another state without telling us. 6. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the Property and to keep the Property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to us. You may provide the property insurance through a policy you already have, or through a policy you get and pay for. You promise to make the insurance policy payable to us and to deliver the policy or proof of coverage to us if asked to do so. If you cancel your insurance and get a refund, we have a right to the refund. If the Property is lost or damaged, we can use the insurance settlement to repair the Property or apply it towards what you owe. You authorize us to endorse any draft or check which may be payable to you in order for us to collect any refund or benefits due under your insurance policy. If you do not pay the taxes or fees on the Property when due or keep it insured, we may pay these obligations, but we are not required to do so. Any money we spend for taxes, fees or insurance will be added to the unpaid balance of the Loan and you will pay interest on those amounts at the same rate you agreed to pay on the Loan. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor our loans for the purpose of determining whether you and other borrowers have complied with the insurance requirements of our loan agreements or may engage others to do so. The insurance charge added to the Loan may include (1) the insurance company's payments to us and (2) the cost of determining compliance with the insurance requirements. If we add amounts for taxes, fees or insurance to the unpaid balance of the Loan, we may increase your payments to pay the amount added within the term of the insurance or term of the Loan. 7. INSURANCE NOTICE - If you do not purchase the required property insurance, the insurance we may purchase and charge you for will cover only our interest in the Property. The premium for this insurance may be higher because the insurance company may have given us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 8. DEFAULT - You will be in default if you break any promise you make or fail to perform any obligation you have under this Agreement. You will also be in default under this Agreement if the Loan is in default. You will be in default if any property you have given us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the property or our security interest in it. 9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When you are in default, we may demand immediate payment of the outstanding balance of the Loan without giving you advance notice and take possession of the Property. You agree the Credit Union has the right to take possession of the Property without judicial process if this can be done without breach of the peace. If we ask, you promise to deliver the Property at a time and place we choose. If the property is a motor vehicle or boat, you agree that we may obtain a key or other device necessary to unlock and operate it, when you are in default. We will not be responsible for any other property not covered by this Agreement that you leave inside the Property or that is attached to the Property. We will try to return that property to you or make it available for you to claim. After we have possession of the Property, we can sell it and apply the money to any amounts you owe us. We will give you notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and selling the Property will be deducted from the money received from the sale. Those costs may include the cost of storing the Property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. If you have agreed to pay the Loan, you must pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Loan and to what you owe under this Agreement. You agree to pay interest on that amount at the same rate as the Loan until that amount has been paid. 10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN - We can delay enforcing any of our rights under this Agreement any number of times without losing the ability to exercise our rights later. We can enforce this Agreement against your heirs or legal representatives. If we change the terms of the Loan, you agree that this Agreement will remain in effect. 11. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 12. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO REPOSSESSION. IF IT IS REPOSESSED AND SOLD TO SOMEONE ELSE, AND ALL AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE. 13. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for you to fail to return a motor vehicle that is subject to a security interest, within thirty days after you have received notice of default. The notice will be mailed to the address gave us. It is your responsibility to notify us if your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.00. The following notice applies ONLY when the box at left is marked. 14. 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. 15. OTHER PROVISIONS - SIGNATURES By signing below, you agree to the terms of this Security Agreement. OWNER OF PROPERTY DATE OKLAHOMA TAX COMMISSION LIEN HOLDERS RELEASE FORMS VIN: KMHTC6AD7FU232620 AGNT #: M5569 LIEN DEBTOR: OWENS,KAMERON OWENS,KAMERON 15336 MORNINGSIDE DR CHOCTAW OK 73020-7509 VEHYR: 2015 MAKE: HYUN LIEN DATE: 05/01/2019 MODEL: VEL BODY: 3P REF#: L1443801936 LIEN HOLDER: TINKER FEDERAL CREDIT UNION TINKER FEDERAL CREDIT UNION PO BOX 45750 TINKER AFB OK 73145-0750 TO: OKLAHOMA TAX COMMISSION MOTOR VEHICLE DIVISION P.O. BOX 269061 OKLAHOMA CITY OK 73126 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 Tinker Federal Credit Union Application for Credit Date of Application 04/11/19 Account # Application # Credit Limit Requested 500.00 Mother's Maiden Name ALLEN TFCU Heritage Club Member? We intend to apply for joint credit: Applicant ________ (initials) Co-Applicant __________ (initials) Request for: Visa Platinum ☐ Visa Classic ☒ Visa Signature ☐ Select One for Classic Card Option A ☐ Option B ☒ (See rate disclosures. If preference not indicated, Option A will be given.) Applicant Name KAMERON D OWENS Date of Birth /1996 TIN (SSN) Address 15336 Morningside Dr City and State Choctaw, OK 73020 Rent, Own or Other Living with Others How long? 0Y 1M Home Phone 405-512-2878 U.S. Citizen? U . S . PERSON Prev. Address How long? 0Y 0M Curr. Employer Brook Haven Care Cell phone or pager number 405-512-2878 Job Title Healthcare - Support How long? 1Y 3M Work phone 405-322-5659 Prev. Employer How long? 0Y 0M Income Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this loan. Employer / Source Annual Gross Income Brook Haven Care Income Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this loan. Employer / Source Annual Gross Income Name and address of nearest relative not living with you: Name Address Home Phone Name and address of nearest relative not living with you: Name Address Home Phone I/we certify that everything stated in this application and on any attachment is true and that I/we understand that TFCU will rely upon the accuracy of this information in reviewing my/our loan request. I/we authorize TFCU to check my/our credit, employment history, and to answer questions others may ask about my/our credit record with TFCU in compliance with all Federal and State Regulations. If I/we are accepting a credit card offer, I/we have read and agreed to the terms and conditions given with this application. I/we also agree to be bound by the terms and conditions of the Cardholder Agreement and Disclosure Statement accompanying the Visa, Visa Standard, and Visa Platinum products and all amendments thereto. The USA Patriot Act requires that TFCU verify the identity of all account holders. TFCU may ask me or my co-applicant to show proof of our identity. Applicant Signature 04/25/2019 Co-Applicant / Co-Signer Signature --- Loan Officer Approval Code: 1927 Referring Employee BRANDIE MARTIN Branch 5650 Closing Employee Branch 5650 Transfer Balance (Optional) The amount of transfer will be posted to your TFCU credit card account as a cash advance, subject to the terms of the Cardholder Agreement and Disclosure Statement. The total amount of transfer requests cannot exceed your credit line. TFCU sends either full or partial payment to your creditors in the order you list them. Any changes you make to your other account after you transfer the balance should be paid directly to that credit card center, instead of Tinker Federal Credit Union. If the next payment on your other credit card is due within 30 days, you should make the payment and deduct the amount from the "Amount to Transfer" below. Account Number: Amount to Transfer: Card Name: Billing Address: CPO OWENS, KAMERON D**2513 BILLIE LN**YUKON*OK*73099-5296* PER DAY INTEREST .1502 ACCOUNT PAYOFF 01/21/26 324.2404 01/22/26 324.3906 01/23/26 324.5408 01/24/26 324.6910 01/25/26 324.8412 01/26/26 324.9914 01/27/26 325.1416 01/28/26 325.2918 01/29/26 325.4420 01/30/26 325.5922 01/31/26 325.7424