Tinker Federal Credit Union v. Lance A. Wallace and Ashley I. Wallace

IN THE DISTRICT COURT OF COMANCHE COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) ) Plaintiff, ) vs. ) LANCE A. WALLACE AND ) ASHLEY I. WALLACE, ) Defendants. PETITION CLAIM ONE: BREACH OF CONTRACT – DEFICIENCY L50 Plaintiff, Tinker Federal Credit Union ("Plaintiff"), for its cause of action against the Defendants, Lance A. Wallace and Ashley I. Wallace ("Defendants"), jointly and severally, alleges and states as follows: 1. On or about January 21, 2021, Defendants executed a Promissory Note (hereinafter referred to as the "Contract"), and became obligated to pay Plaintiff the principal amount of $83,695.68, plus interest at 4.4900% per annum, according to the terms of the Contract. A copy of the Contract is attached hereto as Exhibit "A". 2. As part of the Contract and to secure the performance of Defendants, they executed a Security Agreement and granted Plaintiff a security interest in a 2020 FORD EXPEDITION (hereinafter referred as the "Collateral"). Plaintiff properly perfected its security interest in accordance with Oklahoma law. 3. Defendants 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. 4. On December 17, 2025, Plaintiff repossessed the Collateral. Plaintiff is entitled to a repossession title to the Collateral from the Oklahoma Tax Commission. 5. On January 14, 2026, the Collateral was sold for $12,000.00. With respect to the sale, Plaintiff complied with all notice requirements set forth by law. The sale was held in a commercially reasonable manner. 6. After deducting the net proceeds from the sale of the Collateral, the balance due on the Contract as of March 25, 2026 was $40,353.66. 7. 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. 8. Pursuant to the Servicemember’s Civil Relief Act of 2003, Plaintiff has reviewed the Department of Defense website and determined Defendants are not in the military. See the Affidavit attached hereto as Exhibit “B”. 9. Pursuant to 40 O.S. §4-508(D), Plaintiff 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 Defendants. WHEREFORE, Tinker Federal Credit Union prays that this Court enter money judgment for Plaintiff and against Defendants, Lance A. Wallace and Ashley I. Wallace, jointly and severally, in the amount of $40,353.66, plus interest since March 25, 2026, at a rate of 4.4900% per annum until paid and all contractual charges as set forth in the Contract and Plaintiff's court costs and a reasonable attorney's fee and all other relief this Court deems just. CLAIM TWO: BREACH OF CONTRACT – DEFICIENCY L54 Plaintiff, Tinker Federal Credit Union (“Plaintiff”), for its cause of action against the Defendant, Lance A. Wallace (“Defendant”), alleges and states as follows: 10. On or about August 11, 2022, Defendant executed a Promissory Note (hereinafter referred to as the "Contract"), and became obligated to pay Plaintiff the principal amount of $80,503.00, plus interest at 5.4900% per annum, according to the terms of the Contract. A copy of the Contract is attached hereto as Exhibit "C". 11. 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 2019 FORD SUPER DUTY (hereinafter referred as the "Collateral"). Plaintiff properly perfected its security interest in accordance with Oklahoma law. 12. Defendant failed to pay pursuant to the terms of the Contract, despite demand by Plaintiff, and is therefore in default under the Contract and Security Agreement. 13. On December 17, 2025, Plaintiff repossessed the Collateral. Plaintiff is entitled to a repossession title to the Collateral from the Oklahoma Tax Commission. 14. On January 14, 2026, the Collateral was sold for $32,800.00. Plaintiff complied with all notice requirements set forth by law. The sale was held in a commercially reasonable manner. 15. After deducting the net proceeds from the sale of the Collateral, the balance due on the Contract as of March 25, 2026 was $28,611.48. 16. 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. WHEREFORE, Tinker Federal Credit Union, prays that this Court enter money judgment for Plaintiff and against Defendant, Lance A. Wallace, in the amount of $28,611.48, plus interest since March 25, 2026, at a rate of 5.4900% per annum until paid and all contractual charges as set forth in the Contract and Plaintiff's court costs and a reasonable attorney's fee and all other relief this Court deems just. 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] RETAIL INSTALLMENT SALES CONTRACT – SIMPLE INTEREST BUYER(S) NAME: LANCE WALLACE ASHLEY WALLACE SELLER/SECURED PARTY NAME: BILLINGSLEY FORD LAWTON SECURITY AGREEMENT: Buyer grants to Seller a security interest in Collateral described below in accordance with the limitations described by Retail Installment Sales Contract secured hereby, and agrees (by contract) which is the consumer’s agreement, that if Buyer fails to perform, as defined in UCC/FK Sec. 4-104, to secure: (1) all future advances by Seller to Buyer, (2) all other liabilities to Seller (primary, secondary, etc.), (3) to pay all interest, costs, charges and expenses at the full amount due or to become due or which may be hereinafter caused or incurred by Buyer, and (4) the performance of all agreements, covenants and warranties of Buyer to Seller listed on this contract. This includes, but is not limited to: (1) all personal property installed in or attached to such described property, including additions, accessories, and accessories; (2) all other property described herein or produced payable by reason of damage to or loss of Collateral; and (4) proceeds from flood, life and disability insurance coverage. It also includes any return or refund from a manufacturer’s exchange and/or from the authorized service contract purchased by the undersigned pursuant to this contract. DISCLOSURES: <table> <tr> <th>1. ANNUAL PERCENTAGE RATE</th> <th>2. FINANCE CHARGE</th> <th>3. AMOUNT FINANCED</th> <th>4. TOTAL OF PAYMENTS</th> <th>5. TOTAL SALES PRICE</th> </tr> <tr> <td>The cost of the credit as a yearly rate.</td> <td>The dollar amount the credit will cost.</td> <td>The amount of credit provided to Buyer or on his behalf as itemized below.</td> <td>Adds lines 4a and 4b</td> <td>Adds lines 4 and 5a</td> </tr> <tr> <td>4.49%</td> <td>$14,727.12</td> <td>$83,695.68</td> <td>$98,422.80</td> <td>$98,422.80</td> </tr> </table> PAYMENT SCHEDULE WILL BE: <table> <tr> <th>NO. OF REGULAR PAYMENTS</th> <th>AMOUNT OF PAYMENTS</th> <th>PAYMENT SCHEDULE</th> </tr> <tr> <td>84</td> <td>Regular: $1,171.70<br>Plus a Final Payment: $N/A</td> <td></td> </tr> <tr> <th>FREQUENCY OF PAYMENTS</th> <th>DUE DATE OF PAYMENTS</th> </tr> <tr> <td>MONTHLY</td> <td>First Payment: 04/21/21<br>Final Payment: 03/21/28</td> </tr> </table> Prepayment: If Buyer pays off early, Buyer will not have to pay a penalty. Late Charge: If a payment is late, Buyer will be charged a fee of $22.00 or 5% of the unpaid amount of the payment, whichever is greater. See Retail Installment Sales Contract, Security Agreement and related contract documents for additional information about prepayment, default, any required repayment in full before the scheduled date, and payment refunds and penalties. SECURITY/COLATERAL: [X] The signatures of the Security Agreement are giving a security interest in the following property: NEW 2020 FORD EXPEDITION MAX VIN #1FMJK1HT3LEA80836 Collateral securing other sales by Seller to Buyer also secures this Contract. Assumption Policy: Someone buying Buyer’s house: [ ] May, subject to certain conditions, be allowed to resume the remainder of the mortgage on the original terms. [ ] Cannot assume the remainder of the mortgage. Fees paid in Cash by Buyer: Filing Fees $N/A Non-Filing Insurance $N/A ITEMIZATION OF AMOUNT FINANCED: 1 85,775.00 1 CASH PRICE (Including Accessories, Sales Tax, Service and Service Protection provided by Seller) 9 N/A Cash Down 9 8,000.00 1 Membership/Rebate 1 22,000.00 1 Trade In allowance 2018 NISSAN TITAN 5 39,408.68 1 Prop. Balance on Trade-in (if any). Paid to COMMUNICATION FCU 5 -16,406.68 1 Net Allowance on Trade-in (Subtract line 5 from line 4) 3 0.00 1 Trade Cash Down and Net Trade trading lines 2, 3 and 5. If amount is negative enter (some positive amount on line 12) 4 0.00 1 Total Down Payment (Enter negative instead of /positive existing on entry or if less 7.2 is assigned) 5 88,775.00 9 Capital Balance of Cash Price (Subtract line 8 from line 1) Amount Paid in Other on Buyer’s behalf (Seller may add a portion of amounts designated with an asterisk **): 5 N/A*10 Credit Life Insurance Premium to N/A 5 N/A*1 Disability Insurance Premium to N/A 5 825.00 1 Other Insurance Premium to ALLSTATE 5 N/A11 Filing and Soliciting fees w/ Hybrid Contract 9 2,720.00 1 License, Title and Registration to 5 8,000.00 14 Service Contract w/FORD ESG 5 239.00 14 Processing Fee 5 7,405.68*7 14 COMMUNICATION FCU-Phone 9 N/A*14 ToN/A 5 17,920.68*19 Total Amount Paid to Others on Behalf of Buyer (Add lines 10 through 19) 5 N/A 19 Less Prepaid Finance Charge 5 83,695.68*11 AMOUNT FINANCED (Add lines 9 and 19. Item Prepaid Finance Charge stored on line 29) If this Contract arises from a consumer credit sale of a used vehicle (as defined in Part 455 of Title 16 of the Code of Federal Regulations) then the information you see on the window form for this vehicle is part of this Contract. Information on the window form overrides any contrary provision in the Contract of sale. DISCLAIMER OF WARRANTIES: Seller’s oral statements about the property described herein do not constitute warranties and shall not be relied upon by Buyer. Seller makes no representations or warranties regarding the product or services. Seller makes no express or implied warranties including, without limitation, the implied warranties of MERCHANTABILITY and fitness for a particular purpose with respect to the goods sold/ provided (except, if a written warranty is provided to Buyer with this contract, Buyer’s rights under such separate warranty for the property within 90 days after this Contract, the implied warranties of MERCHANTABILITY and fitness for a particular purpose are not disclaimed but shall be limited to the duration and extent of the written warranty. CREDITOR/ASSIGNEE: TINKER FEDERAL CREDIT UNION PO BOX 45750 TINKER AFB OK, 73145 ORIGINAL ADDITIONAL PROVISIONS ON REVERSE SIDE EXHIBIT A ORIGINAL ADDITIONAL PROVISIONS: BUYER EXPRESSLY WARRANTS, COVENANTS AND AGREES: WARRANTIES AND COVENANTS 1. Financial Information. All applications, balance sheets, earnings statements, other financial information and other representations which have been, or may be hereinafter be, furnished by Seller/Secured Party to Buyer in order to enter into or consummate a financial transaction will be Buyer's sole responsibility and shall not be verified by Buyer except as specifically set forth herein. Buyer agrees that all representations and warranties made herein by Seller/Secured Party shall survive the execution of this Agreement, and Buyer acknowledges that the representations and warranties contained herein, if made, are made solely on the basis of the representations and warranties contained herein, and Buyer has no knowledge of any other facts or circumstances affecting the Collateral and/or Buyer's ability to pay or fulfill its obligations under this Agreement that would cause such representations and warranties to be inaccurate or incomplete. 2. Ownership Paper and Documents. Buyer will not permit any title or security interests other than those secured by this Agreement to attach to any of the Collateral, will not permit the Collateral to be levied upon, attached or attached under any legal process, or permit any other thing to be done that may impair the value of the Collateral at the time of this Agreement unless Buyer has received written consent delivered to Buyer by Seller/Secured Party prior to such action being taken. 3. Financing Statement. Buyer agrees to join with Seller/Secured Party in executing one or more Financing Statements from time to time, in order to perfect or to continue perfection of the security interest hereby created. A certified reproduction or other reproduction of this Agreement as so signed shall be equivalent to an original Financing Statement. 4. Residency, Use and Location. Statements made herein or otherwise as to Buyer's address and/or to location, possession and use of the Collateral are true. Buyer will not permit any of the Collateral as herein described to be removed from the location specified herein without the written consent of Seller/Secured Party, which consent may be given or denied in Seller/Secured Party's sole discretion. Buyer acknowledges that Buyer's principal residence is at Buyer's address set forth herein. Until the obligation secured hereunder is paid in full, Buyer agrees that it will not change its principal residence or mailing address without providing Seller/Secured Party 30 days prior written notice. 5. Sale, Lease or Disposition of Collateral Prohibited. Buyer shall not sell, exchange, lease or otherwise dispose of the Collateral or any part thereof or the Buyer's right thereto or assign any interest therein without first paying all amounts owed thereon to Seller/Secured Party. Buyer may be required to assign upon any disposition (including, but not limited to, the application of proceeds to obligate secured hereby which supplements the Seller/Secured Party desire to be for the payment of its secured hereby), which supplements the Seller/Secured Party desire to be for the payment of its secured hereby, or if unpaid, the amount of any deficiency, as determined by Seller/Secured Party, which supplements the Seller/Secured Party desire to be for the payment of its secured hereby, as determined by Seller/Secured Party. Any sale, exchange, lease or assignment of the Collateral must comply with all applicable laws and regulations. 6. Maintenance and Inspection. Buyer at own expense shall keep the Collateral in good condition and repair. Any but permit it to be marred or abused or wasted or allowed to deteriorate except for the ordinary wear and tear of its intended primary use, shall promptly notify Seller/Secured Party of any damage or loss or theft of the Collateral and shall take all steps necessary to protect the Collateral from the elements, and shall ensure that no person shall interfere with the Collateral except with Seller/Secured Party's written approval. Buyer shall permit Seller/Secured Party to examine and inspect the Collateral at any time and whenever requested. 7. Taxes, Buyer shall promptly pay any and all taxes, assessments and license fees with respect to the Collateral or the sale of the Collateral. EVENTS OF DEFAULT Buyer shall be in default under this Agreement upon the happening of any one or more of the following events or conditions, herein called "Events of Default": 1. Any warranty, covenant, agreement, representation, financial information or statement made or furnished to Seller/Secured Party by or on behalf of Buyer to induce Seller/Secured Party to extend credit to Buyer shall be found to be inaccurate, false or fraudulent when made or furnished. 2. Any payment required hereunder or under any other note or obligation of Buyer to Seller/Secured Party or to others is not made when due or in accordance with terms of the applicable contract. 3. Buyer defaults in the performance of any covenant, obligation, warranty, or provision contained in this Loan Agreement or in any other note or obligation of Buyer to Seller/Secured Party or to others. 4. The occurrence of any event or condition which results in acceleration of the maturity of any obligation of Buyer to Seller/Secured Party or to others under any note, evidence of debt, agreement, or instrument. REMEDIES Upon the occurrence of an Event of Default, and at any time thereafter, Seller/Secured Party may, at its option and without notice or demand thereof, accelerated as aforesaid provided by law or contracts, declare the whole or any part of the amount owed hereunder and/or secured thereby to be due and payable and the Collateral (as defined herein) as all other rights and remedies possessed by Seller/Secured Party, including but not limited to: 1. Declare the unpaid balance of the Contract and all other obligations and undertakings of any other party herein to Seller/Secured Party, absolute and conclusive, now existing or hereafter arising, together with all costs and expenses incurred by Seller/Secured Party in enforcing this Agreement, including but not limited to reasonable attorney fees, and hold Buyer liable therefor; and require Buyer to pay all amounts owed hereunder. 2. Require Buyer to assemble Collateral or evidence thereof and make it available to Seller/Secured Party at place designated by Seller/Secured Party which is reasonably convenient to both parties. 3. Possess the Collateral, and for this purpose Seller/Secured Party is hereby granted authority to enter into the Collateral upon which the Collateral or any part thereof is situated, and to remove it. Buyer avows such connection with or arising from any property and makes all possessory claims related thereto, and Buyer authorizes Seller/Secured Party to remove said Collateral without notice or demand for any such possession. If Buyer fails to restore such property within 10 days after notice of its taking and location is sent to Buyer, such property may be sold and the proceeds applied to expenses and other amounts owed Seller/Secured Party and any deficiency remaining after payment in full of all amounts secured by this Agreement shall be paid to Buyer. 4. Prepare all books and records evidencing or pertaining to the Collateral, and for this purpose Seller/Secured Party is hereby granted authority to enter into and upon any premises in which such books and records are located and Buyer shall indemnify Seller/Secured Party against any claims or liability relating to entry upon such premises. 5. Transfer any of the Collateral or evidence thereof in any manner or by any method and receive the proceeds therefrom and hold the same as security for the liabilities of Buyer to Seller/Secured Party or against any such liability. Seller/Secured Party may take delivery of Collateral in its own name or in the name of the Buyer or Seller/Secured Party may determine. 6. Sell or otherwise dispose of the Collateral. Unless Collateral in whole or part is perishable or of a type in which the cost of storage would be excessive, Seller/Secured Party may sell the Collateral in such manner as is in Seller/Secured Party's sole discretion, including but not limited to public auction, private sale, or offer for sale in bulk, or otherwise, and upon terms and conditions that Seller/Secured Party deems reasonable. Buyer waives any right it may have to require Seller/Secured Party to proceed by public auction, or to combine the Collateral with like items of the same class, any prior sale or other disposition to be made. Any remuneration collected in case of a public auction may be retained by Seller/Secured Party, net of Buyer provided for herein and any two days notice of intention to sell the Collateral at auction is given to Buyer by Seller/Secured Party, and Buyer shall be liable for all reasonable costs and expenditures of realizing on its security interest including without limitation, court costs, fees for replatting bonds, surcharges, representations and guarantees, and any and all other charges and expenses incurred by Seller/Secured Party in connection with such realization. In the event of a sale of the Collateral, the proceeds shall be applied first toward the satisfaction of all expenses incurred by Seller/Secured Party in connection with the sale of the Collateral, including without limitation, court costs, fees for replatting bonds, surcharges, representations and guarantees, and any and all other charges and expenses incurred by Seller/Secured Party in connection with such realization. 7. Seller/Secured Party shall not be liable for the failure to collect any account, enforce any contract, right, or for any other act or omission on the part of Seller/Secured Party, its officers, agents or employees, in connection with the administration of this Agreement, nor does the inclusion of any responsible person in this Agreement mean that any person is responsible for any duty owed by Seller/Secured Party hereunder or that such person is or should be aware of any breach of any term of this Agreement. 8. Seller/Secured Party is not relieved of any liability by reason of any action or inaction of Buyer. Seller/Secured Party shall not be relieved of any liability by reason of any action or inaction of Buyer. Seller/Secured Party shall not be relieved of any liability by reason of any action or inaction of Buyer. GENERAL 1. Waivers. No act, delay, or omission, including Seller/Secured Party's waiver of remedy manifest or assignee shall have all the rights of Seller/Secured Party as to the rights or parts thereof which any other person hereunder may have, or any of Seller/Secured Party's rights hereunder shall not be affected or impaired by any exercise or partial exercise thereof or any remedy of Seller/Secured Party except as provided herein. Any notice or demand to Buyer may be addressed to any assignee of Seller/Secured Party and any notice to Buyer made by Seller/Secured Party shall be deemed to refer to each Buyer. 2. Assignment. This Agreement may be assigned by Seller/Secured Party without the consent of Buyer, but Buyer shall have the right to assign this Agreement in whole or in part, and Buyer's assignment shall not be effective unless it is evidenced in writing. Any assignment by Seller/Secured Party shall not relieve Seller/Secured Party of any of its obligations hereunder. 3. Entire Agreement. This Agreement shall govern all matters covered herewith and Buyer and Seller/Secured Party agree that this Agreement sets forth the entire agreement between Buyer and Seller/Secured Party and supersedes any and all other agreements and understandings, whether written or oral, relating to the subject matter hereof. No amendment, modification or waiver of any provision hereof shall be valid unless made in writing and signed by Seller/Secured Party and Buyer. No amendment, modification or waiver of any provision hereof shall relieve Buyer of any obligation hereunder unless Buyer shall deliver written consent to Seller/Secured Party. ASSIGNMENT BY SELLER-AND TERMS FOR VALUE RECEIVED, Seller hereby sells, assigns, and transfers all of its right, title, and interest in and to the within Contract and the property described therein, to the Assignee shown on the reverse hereof (hereinafter called "Assignee"). This Assignment or assignment or power to take legal proceedings in the name of the Seller or Assignee, Seller warrants that said execution of this instrument shall be construed and enforced in accordance with the laws of the State of Oklahoma, except to the extent that the UCC provides for application of the laws where the creditor or the collateral is located. In the event that the Collateral is located outside of the State of Oklahoma, this Agreement shall be construed and enforced in accordance with the UCC, and the laws of the State of Oklahoma, and/or the laws of any other jurisdiction where the Collateral may be located, and/or the laws of the United States of America, whichever law may be most favorable to Seller/Secured Party. Seller and Buyer shall be subject to the provisions of the UCC in all respects, and this Agreement shall be construed and enforced in accordance with the UCC, and the laws of the State of Oklahoma, and/or the laws of any other jurisdiction where the Collateral may be located, and/or the laws of the United States of America, whichever law may be most favorable to Seller/Secured Party. IN ADDITION, THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF OREGON, EXCEPT TO THE EXTENT THAT THE UCC PROVIDES FOR APPLICATION OF THE LAWS WHERE THE CREDITOR OR THE COLLATERAL IS LOCATED. IN THE EVENT THAT THE COLLATERAL IS LOCATED OUTSIDE OF THE STATE OF OREGON, THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE UCC, AND THE LAWS OF THE STATE OF OREGON, AND/OR THE LAWS OF ANY OTHER JURISDICTION WHERE THE COLLATERAL MAY BE LOCATED, AND/OR THE LAWS OF THE UNITED STATES OF AMERICA, WHICHEVER LAW MAY BE MOST FAVORABLE TO SELLER/SECURED PARTY. INITIALS REPURCHASE: Seller guarantees the payment and performance of this Contract, except as otherwise provided in the Repurchase Agreement between the Seller and Assignee. INITIALS GUARANTY: Seller guarantees the payment and performance of this Contract. INITIALS WITHOUT RECOUPSE: This Assignment is without recourse against the Assignor. INITIALS FULL REPAYMENT: Seller guarantees payment of all amounts due on this contract as and when such payments become due. Seller waives any extension of time made by Assignor, and agreed to repurchase this mortgage at any time upon demand after any default by the Buyer. SELLER BY TITLE DATE 01/21/2012 BILLSLEY FORD LAWTON 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. ; 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 _Lance A Wallace_ not in the military. A copy is attached hereto. Signed under penalty of perjury, [Signature] Tay Parker Subscribed and sworn to before me this 23rd day of March, 2026. (SEAL) My Commission Expires: Notary Public Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-5482 Birth Date: Last Name: WALLACE First Name: LANCE Middle Name: Status As Of: Mar-23-2026 Certificate ID: 1MMZPSCZMM816H7 <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 individuals' 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 whether 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/#/faqs. 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. 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 on its behalf. Based on a review of the Department of Defense website Ashley J Wallace not in the military. A copy is attached hereto. Signed under penalty of perjury, Tay Parker Subscribed and sworn to before me this 23rd day of March, 2026. Notary Public My Commission Expires: (SEAL) Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-5970 Birth Date: Last Name: WALLACE First Name: ASHLEY Middle Name: Status As Of: Mar-23-2026 Certificate ID: WK5M4YWHR8FB41K <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 individuals' 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/#/faqs. 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. LAW 553-OK-eps 7/21 RETAIL INSTALLMENT SALE CONTRACT SIMPLE FINANCE CHARGE Buyer Name and Address (Including County and Zip Code) LANCE WALLACE 1730 SOUTHWEST MORIAH CACHE, OK 73527 COMANCHE CO Co-Buyer Name and Address (Including County and Zip Code) N/A Seller-Creditor (Name and Address) BILLINGSLEY FORD OF DUNCAN, INC. 4845 N Highway 81 Duncan, OK 73533 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<br>Personal, family, or household unless otherwise indicated below<br>☐ business<br>☐ agricultural<br>☐ N/A</th> </tr> <tr> <td>USED</td> <td>2019</td> <td>FORD F250 PICKUP</td> <td>59,784</td> <td>1FT7W2BT7KEE73772</td> <td></td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th> <th>Total Payments<br>The amount you will have paid after you have made all payments as scheduled.</th> <th>Total Sale Price<br>The total cost of your purchase on credit, including your down payment of</th> </tr> <tr> <td>5.49 %</td> <td>$16,860.58</td> <td>$80,503.00</td> <td>$97,363.56</td> <td>$0.00 is $97,363.56</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>84</td> <td>$1,159.09</td> <td>MONTHLY beginning 09/25/2022</td> </tr> <tr> <td>N/A</td> <td>N/A</td> <td>N/A</td> </tr> </table> Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $27.00 or 5% of the part of the payment that is late, whichever is greater. Prepayment. If you pay early, you will not have to pay a penalty. Security Interest. You are giving a security interest in the vehicle being purchased. Additional Information: See this contract for more information including information about nonpayment, default, any required repayment in full before the scheduled date and security interest. Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract of sale. Spanish Translation: Guía para compradores de vehículos usados. La información que se 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. NO COOLING OFF PERIOD State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. ☐ VENDOR'S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI Insurance is for the Creditor's sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to purchase VSI Insurance through the Creditor, the cost of this insurance is $_________N/A______ and is also shown in Item 4B of the Itemization of Amount Financed. The coverage is for the Initial term of the contract. 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. EXHIBIT C ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $ _______ N/A sales/excise tax) $ _______ 65,997.00 (1) 2 Total Downpayment = Trade-in 2022 FORD F-150 (Year) (Make) (Model) Gross Trade-In Allowance $ _______ 62,000.00 Less Pay Off Made By Seller to TINKER FEDERAL CREDIT UNION $ _______ 61,800.00 Equals Net Trade In $ _______ -9,800.00 + Cash $ _______ 3,000.00 + Other N/A $ _______ N/A + Other N/A $ _______ N/A + Other N/A $ _______ N/A (If total downpayment is negative, enter "0" and see 4i below) $ _______ 0.00 (2) 3 Unpaid Balance of Cash Price (1 minus 2) $ _______ 65,997.00 (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 B Vendor's Single Interest Insurance Paid to Insurance Company $ _______ N/A C Other Optional Insurance Paid to Insurance Company or Companies $ _______ N/A D Optional Gap Contract $ _______ 1,200.00 E 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 F Government Taxes Not Included in Cash Price $ _______ N/A G Government License and/or Registration Fees $ _______ LICENSE AND/OR REG FEES $ _______ 10.00 H Government Certificate of Title Fees $ _______ N/A I Other Charges (Seller must identify who is paid and describe purpose.) to TINKER FEDERAL CREDIT UNI for Prior Credit or Lease Balance $ _______ 8,900.00 to BILLINGSLEY FORD OF DUNCA for DOC FEE $ _______ 399.00 to FORD PROTECT for SERVICE CONTRACT $ _______ 5,997.00 to N/A for N/A $ _______ N/A to N/A for N/A $ _______ N/A to N/A for N/A $ _______ N/A to N/A for N/A $ _______ N/A 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 $ _______ 14,509.00 (4) 5 Amount Financed (3 + 4) $ _______ 80,503.00 (5) OPTION: □ You pay no finance charge if the Amount Financed, item 5, is paid in full on or before ____________________________, Year __________, SELLER'S INITIALS _______ 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 _______ 84 Mos. ALLSTATE I want to buy a gap contract. Buyer Signs X ______________________________ Name of Gap Contract ______________________________ Returned Check Charge: You agree to pay a charge of $ ___25.00___ if any check you give us is dishonored. 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 unless the box indicating Vendor's Single Interest Insurance is required is checked on page 1 of this contract. 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 N/A Home Office Address N/A 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 N/A Type of Insurance Term Premium $ _______ N/A Insurance Company Name N/A N/A Home Office Address N/A N/A □ N/A N/A Type of Insurance Term Premium $ _______ N/A Insurance Company Name N/A N/A Home Office Address N/A N/A Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. X N/A N/A Buyer Signature Date X N/A N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. 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. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in: • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you; and • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. d. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. You agree to name us on your insurance policy as an additional insured and as loss payee. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below. b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during credit application; • You start a proceeding in bankruptcy or one is started against you or your property; or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device (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, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 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. SERVICING AND COLLECTION CONTACTS You agree that we may try 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. 6. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to 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 X Co-Buyer Signs X 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 RETAIL BUYER: Do not sign this contract in blank. You are entitled to a copy of the contract at the time you sign. Keep it to protect your legal rights. You agree to the terms of this contract. You confirm that before you signed this contract, we gave it to you, and you were free to take it and review it. You confirm that you received a completely filled-in copy when you signed it. Buyer Signs X Date 08/11/2022 Co-Buyer Signs X Date N/A Buyer Printed Name LANCE WALLACE Co-Buyer Printed Name N/A 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 N/A Address N/A Seller signs BILLINGSLEY FORD OF DUNCAN, INC. Date 08/11/2022 By X Title BUSS MNGR Seller assigns its interest in this contract to TINKER FEDERAL CREDIT UNION (Assignee) under the terms of Seller's agreement(s) with Assignee. Assigned with recourse Assigned without recourse Assigned with limited recourse Seller BILLINGSLEY FORD OF DUNCAN, INC. By X Title BUSS MNGR