Tinker Federal Credit Union v. Aaron D'Juan Bannarn

IN THE DISTRICT COURT OF MCCLAIN COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) ) Plaintiff, vs. ) Case No. CJ:26:106 AARON D'JUAN BANNARN, ) Defendant. PETITION Plaintiff, Tinker Federal Credit Union ("Plaintiff"), for its cause of action against the Defendant, Aaron D'Juan Bannarn ("Defendant"), alleges and states as follows: CLAIM ONE: BREACH OF CONTRACT – DEFICIENCY 1. On or about September 20, 2021, Defendant executed a Promissory Note (hereinafter referred to as the "Contract"), and became obligated to pay Plaintiff the principal amount of $24,505.77, plus interest at 7.4900% 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 Defendant, Defendant executed a Security Agreement and granted Plaintiff a security interest in a 2020 FORD EDGE (hereinafter referred as the "Collateral"). Plaintiff properly perfected its security interest in accordance with Oklahoma law. 3. 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. 4. On January 7, 2026, Plaintiff repossessed the Collateral. Plaintiff is entitled to a repossession title to the Collateral from the Oklahoma Tax Commission. 5. On February 4, 2026, the Collateral was sold for $3,000.00. 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 27, 2026 was $11,191.44. 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 Defendant is 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 Defendant. WHEREFORE, Tinker Federal Credit Union, prays that this Court enter money judgment for Plaintiff and against Defendant, Aaron D'Juan Bannarn, in the amount of $11,191.44, plus interest since March 27, 2026, at a rate of 7.4900% 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 – CREDIT CARD 10. On or about September 1, 2021, 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 “C”. 11. Defendant defaulted on the Contract by failing to timely pay and is indebted to TFCU in the amount of $2,284.83 as of March 27, 2026. 12. 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, Aaron D'Juan Bannarn for $2,284.83, 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] ILAW 553-OK-ARB-eps-14 7/21 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) AARON D BARNHART 4027 NW 12TH ST OKLAHOMA CITY OK 73107 COUNTY: OKLAHOMA Co-Buyer Name and Address (Including County and Zip Code) N/A Seller-Creditor (Name and Address) ZECK CHEVROLET 1601 N GREEN PURCELL, OK 73080-8233 DEAL#: 404593 CUST#: 914587 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 - Credtor (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>Codometer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>USED</td> <td>2020</td> <td>FORD EDGE</td> <td>10885</td> <td>2FMPKJBJ9LBA78192</td> <td> Personal, family, or household unless otherwise indicated below<br> □ business<br> □ agricultural □ NBA </td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>Amount Financed</th> <th>Total of Payments</th> <th>Total Sale Price</th> <th>Returned Check Charge: You agree to pay a charge of $ __ 25.00__ if any check you give us is dishonored.</th> </tr> <tr> <td>The cost of your credit as a yearly rate.</td> <td>The dollar amount your credit will cost you.</td> <td>The amount of credit provided to you or on your behalf.</td> <td>The amount you will have paid after you have made all payments as scheduled.</td> <td>The total cost of your purchase on credit, including your down payment of $ ___ 2893.23___</td> <td></td> </tr> <tr> <td>7.49 % S</td> <td>7121-HI</td> <td>$ 24805.77</td> <td>$ 31627.68</td> <td>$ 2893.23</td> <td>$ 26520.81</td> </tr> </table> Your Payment Schedule Will Be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>48</td> <td>5278.52</td> <td>MONTHLY beginning 10/20/2021</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 ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta. 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 hereunder. Agreement to Arbitration: By signing below, you agree that, pursuant to the Arbitration Provision on page 4 of this contract, you or we may be compelled to arbitrate any differences arising out of arbitration and not by a court action. See the Arbitration Provision for additional information concerning the agreement to arbitrate. [Buyer Signs X] [Co-Buyer Initials X] N/A EXHIBIT A ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $________NA__ estimated taxes) $ ______$7489.00 2 Total Compensatory: Trade-in: 2016 CHEVROLET IMPALA $ _________ (Year) (Make) (Model) Gross Trade-in Allowance $ 17500.00 JSA Pay Off Made By Seller to CAPITAL ONE $ 14806.77 Equals Net Trade In $ 2893.23 + Cash $ NA + Other NA $ NA + Other NA $ NA + Other NA $ NA If total downpayment is negative, enter "0" and see 4. below $ _______2893.23 (2) 3 Unpaid Balance of Cash Price (1 minus 2) $ ________34595.77 (3) 4 Other Charges Including Amounts Paid to Others On Your Behalf: A Cost of Optional Credit Insurance Paid to Insurance Company or Companies: Life NA $ NA Disability NA $ NA Vendor's Vehicle Interest Insurance Paid to Insurance Company NA $ NA Other Optional Insurance Paid to Insurance Company or Companies NA $ NA Optional Buy Contract NA $ NA Official Fees Paid to Government agencies NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA Government Taxes Not Induced in Cash Price NA $ NA Government Licenses &/or Registration Fees NA $ NA to NA $ NA Government Certificate of Title Fees NA $ NA Other Charges: Seller must identify who is paid and describe purpose: to Prior Credit or Leases $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA to NA $ NA Total Other Charges and Amounts Paid to Others on Your Behalf (4) $ NA (4) 5 Amount Financed (3 + 4) $ ________34595.77 (5) OPTION: □ You pay no finance charge if the Amount Financed, item 5, is paid in full on or before NA _______Year NA SELLER'S INITIALS NA OPTIONAL GAP CONTRACT: A gap contract (total 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 #D of the tabulation of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Terms NA NA NA NA I want to buy a gap contract. NA Name of Sub Contract Buyer Signs X NA DEAL #: 504483 Insurance. You may buy the physical damage insurance that is available. No one anyone you choose who is acceptable to us. We may also provide the physical damage insurance through us or arrange with others or contacted by you that is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicated below. If single named 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 $ NA Credit Disability $ NA Insurance Company Name NA Home Office Address NA NA NA Notes: The insurance and credit disability insurance are not required as a price condition, but your option to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will set the cost of your policy and you agree to pay the extra cost if you choose the insurance. See also section 14 of the Disclosure of Amount Financed. Credit Life insurance is stated on your original payment schedule. This optional insurance is not subject to the cost of the insurance you select. Credit disability insurance does not cover any hospital or surgical services received at your own expense. It only covers the cost of your current or a pre-determined benefit payable to 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 chosen below. Other Optional Insurance □ N/A NA Type of Insurance Term Premium $ NA Insurance Company Name NA Home Office Address NA □ N/A NA Type of Insurance Term Premium $ NA Insurance Company Name NA Home Office Address NA NA Other optional insurance is not required to obtain credit. Your decision to buy or not buy either 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. X N/A NA Buyer Signature Date X N/A NA Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE FOR YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED BY ACCIDENT WITHOUT SUCH INSURANCE AND YOU MAY NOT OPERATE THIS VEHICLE ON THE PUBLIC HIGHWAY UNDER THIS DATE Collection Option signed before signing this date Subscribed to and sworn before me this date 1st Qtr - Q 1 2025 Notary Public My commission expires: JUL 1 2026 STATE OF OKLAHOMA MARKETTE SMITH No. 16007059 EXP. JUL 1 2026 FOR IN AND OUT ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. 3. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute, whether in contract, tort, statute or otherwise (including the interpretation and scope of this Arbitration Provision, and the arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns, which arises out of or relates to your credit application, purchase or condition of this vehicle, this contract or any resulting transaction or relationship (including any such relationship with third parties who do not sign this contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. Any claim or dispute is to be arbitrated by a single arbitrator on an individual basis and not as a class action. You expressly waive any right you may have to arbitrate a class action. You may choose the American Arbitration Association (www.adr.org) or any other organization to conduct the arbitration subject to our approval. You may get a copy of the rules of an arbitration organization by contacting the organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable statute of limitations. The arbitration hearing shall be conducted in the federal district in which you reside unless the Seller-Creditor is a party to the claim or dispute, in which case the hearing will be held in the federal district where this contract was executed. We will pay your filing, administration, service or case management fee and your arbitrator or hearing fee all up to a maximum of $5000, unless the law or the rules of the chosen arbitration organization require us to pay more. The amount we pay may be reimbursed in whole or in part by decision of the arbitrator if the arbitrator finds that any of your claims is frivolous under applicable law. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law. If the chosen arbitration organization's rules conflict with this Arbitration Provision, then the provisions of this Arbitration Provision shall control. Any arbitration under this Arbitration Provision shall be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and not by any state law concerning arbitration. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. You and we retain the right to seek remedies in small claims court or disputes or claims within trial court's jurisdiction, unless such action is transferred, removed or appealed to a different court. Neither you nor we waive the right to arbitrate by using self-help remedies, such as repossession, or by filing an action to recover the vehicle, to recover a deficiency balance, or for individual injunctive relief. Any court having jurisdiction may enter judgment on the arbitrator's award. This Arbitration Provision shall survive any termination, payoff or transfer of this contract. If any part of this Arbitration Provision, other than waivers of class action rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. If a waiver of class action rights is deemed or found to be unenforceable for any reason in a case in which class action allegations have been made, the remainder of this Arbitration Provision shall be unenforceable. 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__________ Date ______/______/______ 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 acknowledge that you have read all pages of this contract, including the arbitration provision above, before signing below. You confirm that you received a completely filled-in copy when you signed it. Buyer Signs X__________ Co-Buyer Prints Name NA Date ______/______/______ Buyer Printed Name ___________ Co-Buyer Printed Name NA Date ______/______/______ Ch-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__________ Other owner printed name NA Date ______/______/______ Other owner signs here NA Other owner printed name NA Date ______/______/______ Seller signs ___________________________ Date _____________ By _______________________ Title _______________________ Seller assigns its interest in this contract to TINKER FEDERAL CU Assigned without recourse Assigned with recourse This is to certify that this is a true and exact copy of the original Security Agreement Subscribed to and sworn before me this date Collection Supervisor Collection Supervisor JAN 09 2026 Notary Public JUL 13 2026 My commission expires JUL 13 2026 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 first 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 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 (repossession) 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 agreed 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 totaled, because it is confiscated, damaged or stolen, you may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. WARRANTIES SELLER DISCLAIMER Unless the Seller makes a warranty express or implied, or 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 warranty provided by a vehicle that the vehicle manufacturer may provide. 5. SERVICING AND COLLECTION CONTACTS You agree that we may contact you in writing or by e-mail or using prerecorded and 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 person and at whatever any address or telephone number you provide us, even if none of these numbers 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. AFFIDAVI STATE OF OKLAHOMA ) COUNTY OF OKLAHOMA ) ss. Ashley Brintnall, 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 Jadeyn D. Moore not in the military. A copy is attached here to. Signed under penalty of perjury Ashley Brintnall Subscribed and sworn to before me this 27th day of March, 2026. Notary Public My Commission Expires: (SEAL) Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-3951 Birth Date: Feb-XX-1992 Last Name: BANNARN First Name: AARON Middle Name: D'JUAN Status As Of: Mar-27-2026 Certificate ID: 6YC0SBR2PKHKW8C <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 when 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. Tinker Federal Credit Union Application for Credit Date of Application: 09/21/21 Account #: Application #: 0004 Credit Limit Requested: $2,000.00 Mother's Maiden Name: TFCU Heritage Club Member? We intend to apply for joint credit: Applicant (Initials) Co-Applicant (Initials) Request for: ☒ Visa Platinum ☐ Visa Classic Select One for Classic Card Option A ☒ Option B ☐ (See rate disclosures. If preference not indicated, Option A will be given.) Applicant Name: AARON D'JUAN BANNARN Date of Birth: '1992 TIN (SSN) Address: 4227 NW 12th St City and State: Oklahoma City, OK 73107 Rent, Own or Other: Unknown Rent, Own or Other: How long? 0Y 0M Home Phone: 405-795-1265 U.S. Citizen?: U.S. PERSON Prev. Address: How long? 0Y 0M City and State: How long? Ct Current Employer: Cox Cable Job Title: Tech Support Mgr Cell phone or pager number How long? 0Y 7M Work phone: 866-272-5777 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 Cox Cable Name and address of nearest relative not living with you: Name: Address: Home Phone: Co-Applicant Name: TIN (SSN) Address: City and State, Rent, Own or Other: Home Phone U.S. Citizen? Prev. Address How long? City and State How long? Curr Employer Cell phone or pager number Job Title How long? Work phone Prev. Employer How long? 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: 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. By providing my witness and other phone numbers on this application, I consent to receive autodialed and/or pre-recorded telemarketing and collection calls and texts from or on behalf of Tinker Federal Credit Union at the numbers provided. I understand that my consent is not a condition of application or my loan qualification. My consent applies to all products and services related to my loan. If I do not want to consent to receiving autodialed and/or telemarketing calls or texts, I have checked the box by my name. Name: AARON D'JUAN BANNARN DocuSigned by: AARON D'JUAN BANNARN Date: 09/21/2021 Applicant Signature Loan Officer Approval Code: 1311 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 charges 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: EXHIBIT C CPO BANNARN, AARON D' JUAN**11828 ANNETTE DR**YUKON*OK*73099-9562* PER DAY INTEREST .9510 ACCOUNT PAYOFF 03/27/26 2,284.8320 03/28/26 2,285.7830 03/29/26 2,286.7340 03/30/26 2,287.6850 03/31/26 2,288.6360 04/01/26 2,289.5870 04/02/26 2,290.5380 04/03/26 2,291.4890 04/04/26 2,292.4400 04/05/26 2,293.3910 04/06/26 2,294.3420