Oklahoma Educators Credit Union v. Jeffrey Yount

IN THE DISTRICT COURT OF CANADIAN COUNTY STATE OF OKLAHOMA OKLAHOMA EDUCATORS CREDIT UNION, Plaintiff, vs. JEFFREY YOUNT, JONATHAN LLOYD, Defendants. PETITION COMES NOW the Plaintiff, Oklahoma Educators Credit Union, ("OECU"), and for its cause of action against the Defendants, Jeffrey Yount and Jonathan Lloyd, alleges and states: 1. The Plaintiff, is duly organized and authorized to do business in the State of Oklahoma. 2. The Defendants entered and agreed to the terms of said Contract in this County. Therefore, this Court has jurisdiction over the parties and subject matter of this action. FIRST CAUSE OF ACTION 3. The foregoing matter concerns a Loan and Security Agreement ("Contract"). The Defendant made application for a credit loan with OECU. The application was approved and the Defendant agreed to the terms of said Contract on June 23rd, 2023, the rights of which are held by OECU. 4. The Defendant promised to pay the sum of $11,705.00, payable in monthly installments of $494.58 per month, with interest thereon at the annual percentage rate of 18.25%, until fully paid, and according to all terms thereof. A copy of said Contract is attached hereto and made part as though fully written herein. ("Exhibit A"). 5. The Defendant failed and refused to make the payments which became due and owing and are in default under the Contract. 6. The Plaintiff has declared, pursuant to the terms of the Contract, all sums owed are immediately due and payable. The balance left due and owing is in the principal sum of $8,144.87 with interest accruing at the rate of 18.25% from October 7th, 2025 until paid in full. SECOND CAUSE OF ACTION 7. The Plaintiff re-adopts, re-alleges, and incorporates the above and states as follows: 8. To secure performance of the Contract, the Defendant contemporaneously executed a security agreement granting a security interest in an Infiniti QX80 VIN: JN8AZ2NE0E9068221 ("Collateral") to OECU. The security interest was properly perfected as evidenced by a copy of the title and lien attached hereto. ("Exhibit B"). 9. The Defendant has failed and refused to make the payments which became due and is in default under the Contract, and Plaintiff is entitled to immediate possession of the Collateral upon which Plaintiff holds a lien. 10. The Plaintiff has a special ownership or interest in the Collateral and the Defendant is wrongfully detaining the Collateral. 11. The estimated actual value of said Collateral satisfies the minimum statutory requirements. 12. The Plaintiff has reason to believe and does believe that the Defendant may attempt to secret, conceal, damage, destroy, transfer, assign, sell or dispose of the Collateral which is the subject of this action unless restrained by the Court. The Plaintiff requests the Court to enter its order, ex parte, restraining and enjoining the defendant or agents of the defendant from the acts alleged in this paragraph. 13. To Plaintiff's knowledge, the Collateral has not been taken in execution on any order or judgment against the Plaintiff, or for the payment of any tax, fine, or amercement assessed against OECU, or by virtue of an order of delivery issued under 12 O.S. Chapter 31, or any other mesne or final process issued against OECU. 14. The Plaintiff, OECU, is unaware of any other party that is or may be claiming some interest in the Collateral, but such interest, if any, is junior to OECU’s perfected security interest in the Collateral. 15. Pursuant to the Servicemember’s Civil Relief Act of 2003, OECU has reviewed the Department of Defense website and determined Defendant is not in the military. 16. OECU requests an Order authorizing it to issue subpoenas immediately pursuant to 12 O.S. §2004.1 related to the location of the Collateral and Defendant’s cell phone records and data. REQUEST FOR RELIEF WHEREFORE, the Plaintiff prays for judgment against the Defendants, Jeffrey Yount and Jonathan Lloyd, on Plaintiff’s First Cause of Action in the sum of $8,144.87 with interest accruing at the rate of 18.25% from October 7th, 2025 until paid in full, and for all of Plaintiff’s court costs accrued herein and continuing to accrue; Plaintiff further prays for judgment in favor of OECU and against Defendant for possession of the Collateral, decreeing that OECU’s interest in the Collateral is senior and prior to the interest of Defendant’s in the Collateral, and authorizing the foreclosure of OECU’s security interest in the Collateral. Plaintiff further requests that the clerk of this Court issue the above-described notice to Defendants, and further that the notice inform Defendants that pursuant to 12 O.S. § 1571.1, any person who willfully or knowingly damages property in which there exists a valid right to an issuance of an order of delivery, or on which such order shall be sought under the provisions of 12 O.S. §1571, or who conceals it, with intent to interfere with the enforcement of the order, or who removes it from the jurisdiction of this Court with the intention of defeating the enforcement of an order of delivery, or who willfully refuses to disclose its location to an officer charged with execution of an order for delivery, or who, when in possession of such property, willfully interferes with the officers charged with execution such writ, shall be guilty of a misdemeanor, and in addition to such criminal penalties as are provided by law, shall be liable to OECU for double the amount of damages done to the property; Plaintiff further requests that this Court issue an order for immediate delivery of the collateral to OECU; and that the Clerk of this Court issue a Notice to be served upon Defendant, said Notice shall notify Defendant that (1) an Order of Delivery of the Vehicle is sought, (2) Defendant has the right to object by written response filed with the Court Clerk and delivered or mailed to Plaintiff’s attorney within five (5) days after service of the Petition; and (3) the Order of Deliver shall be issued in the event no written response is filed within the five-day period. Respectfully Submitted, Greg A. Young OBA #20899 Oklahoma Educators Credit Union 7300 NW 23rd St. Bethany, OK 73008 Phone: (405) 208-7480 [email protected] Plaintiff's In-House Attorney VERIFICATION AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA SS. Greg Young, of lawful age, after being first duly sworn upon oath, states: That I am the in-house attorney for Plaintiff, Oklahoma Educators Credit Union ("OECU"), a corporation organized and authorized to do business in the State of Oklahoma. That I have the power and authority for and on behalf of said Plaintiff to make and file this Petition and to make this Affidavit for and on its behalf. I have read the Petition seeking relief from the actions of Defendants, Jeffrey Yount and Jonathan Lloyd filed herein. The facts set forth in said petition are true and correct to the best of my personal knowledge. I am relying upon documents and information which are kept in the normal course of business. Greg Young Acknowledged, subscribed, and sworn before me on the 4th day of march, 2026. [SEAL] Notary Public My Commission No. 24000677 My Commission Expires 1/16/2028 EXHIBIT "A" CONTRACT Loan and Security Agreements and Disclosure Statement OECU Banking Done Better. P.O. Box 22222 • Oklahoma City, OK 73123 (405) 722-2234 • (800) 324-8259 Covered Borrower Under Military Lending Act [ ] FIXED RATE [x] VARIABLE RATE LOAN DATE: 06/23/2023 ACCOUNT NUMBER: LOAN NUMBER: 0001 MATURITY DATE: 03/07/2026 BORROWER 1 (Name & Address) JEFFREY YOUNT 16545 Westgate Dr Yukon, OK 73099 BORROWER 2 (Name & Address) JONATHAN LLOYD 305 S Elm Crescent, OK 73028 BORROWER 3 (Name & Address) BORROWER 4 (Name & Address) TRUTH IN LENDING DISCLOSURE ('e' means an estimate) ANNUAL PERCENTAGE RATE The cost of Your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost You. Amount Financed The amount of credit provided to You or on Your behalf. Total of Payments The amount You will have paid after You have made all payments as scheduled. Total Sale Price The total cost of Your purchase on credit is $ which includes Your downpayment of $ 22.538% $ 3,423.44 $ 11,705.00 $ 15,826.44 Your Payment Schedule Will Be: Number of Payments Amount of Payments When Payments Are Due 31 $ 494.58 Monthly BEG 08/07/2023 1 $ 494.46 03/07/2026 Prepayment: If You pay off early You will not have to pay a penalty. Required Deposit: The Annual Percentage Rate does not take into account Your required deposit, if any. Demand: [ ] This obligation has a demand feature. [ ] All disclosures are based on an assumed maturity of one year. Property Insurance: You may obtain property insurance from anyone You want that is acceptable to the Credit Union. If You get the insurance from the Credit Union You will pay $ Late Charge: Late Fee is $22.50 after the 10th day. Filing Fees $10.00 Non-Filing Insurance $ Security: Collateral securing other loans with the Credit Union may also secure this Loan. You are giving a security interest in Your shares and dividends and, if any, Your deposits and interest in the Credit Union; and the Property described below: Collateral Property/Model/Make Year I.D. Number Type Value Key Number INFINTI QX80 2014 JN8AZ2NE0E9068221 $ $ $ $ Other (Describe) Pledge of Shares $ in Account No. $ in Account No. Variable Rate: Automatic Payment Discounted Rate: The Annual Percentage rate (APR) noted above reflects a discount of 0.25% because you have agreed to make your loan payments via automatic payment through checking/savings. Your Annual Percentage Rate will increase by 0.25% if automatic payments are discontinued or terminated during the term of this loan. The increase in the rate will result in more payment of the same amount but will increase the amount of interest you owe. For example, if your loan was for $4,000.00 at 4.5% for four years and the rate increased to 4.75% after one year, you would make 1 additional payment. See Your contract documents for any additional information about nonpayment, default, and any required repayment in full before the scheduled date. Credit Union OKLAHOMA EDUCATORS CREDIT UNION Acct No. Loan No. 0001 ITEMIZATION OF THE AMOUNT FINANCED ('e' means an estimate) Itemization of Amount Financed of $ 12,403.00 Amount Given to You Directly $ 30.00 Amount Paid on Your Account $ 0.00 Prepaid Finance Charge $ 698.00 Amounts Paid to Others on Your Behalf: (If an amount is marked with an asterisk (*) We will be retaining a portion of the amount.) $ 299.00 To LOAN DOC PREP SVC CHG $ 399.00 To LN EXCEPTION $ 799.00 To GAP $ 1,822.00 To MECH WARRANTY $ 45.00 To POSTAGE EXP $ 8,999.00 To NORRIS AUTO SALES $ 10.00 To SERVICE OKLAHOMA $ To $ To $ To $ To $ To $ To $ To MILITARY LENDING ACT DISCLOSURES Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call Us at 1-800-324-8259 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation. A "Covered Borrower" for purposes of this loan means a consumer who, at the time the consumer becomes obligated on this loan, is a covered member or a dependent of a covered member as defined by the Military Lending Act. A Covered Borrower does not mean a consumer who (though a Covered Borrower at the time he or she became obligated on this transaction) no longer is a covered member or a dependent of a covered member as defined by the Military Lending Act. LOAN AGREEMENT In this Loan Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears above and anyone to whom the Credit Union assigns or transfers this Agreement. All references to "You" or "Your" mean each person who signs, or otherwise authenticates, this Agreement as a borrower. 1. PROMISE TO PAY - You promise to pay $ 12,403.00 to the Credit Union plus interest on the unpaid balance until what You owe has been repaid. For fixed rate loans, the interest rate is % per year. For step-rate loans, the initial interest rate will be % until and then the interest rate will be % until the balance is repaid in full. For variable rate loans, the initial interest rate is 18 % per year and will vary as follows: Automatic Payment Discounted Rate: The Annual Percentage rate (APR) noted above reflects a discount of 0.25% because you have agreed to make your loan payments via automatic payment through checking/savings. Your Annual Percentage Rate will increase by 0.25% if automatic payments are discontinued or terminated during the term of this loan. The increase in the rate will result in more payment of the same amount but will increase the amount of interest you owe. For example, if your loan was for $4,000.00 at 4.5% for four years and the rate increased to 4.75% after one year, you would make 1 additional payment. Collection Costs: You promise to pay all costs of collecting the amount You owe under this Agreement. These costs will include reasonable attorney fees not in excess of 15% of the unpaid debt after default and referral to an attorney, unless You borrowed $1,000 or less at an interest rate greater than 10% per year. 2. PAYMENTS - You promise to make payments of the amount and at the time shown in the Truth in Lending Disclosure. If this is a variable rate loan, the Promise to Pay section tells You whether, if the interest rate increases, You will have to make more payments, higher payments, or if the final payment will be a balloon payment. You may prepay any amount without penalty. If You prepay any part of what You owe, You are still required to make the regularly scheduled payments, unless We have agreed to a change in the payment schedule. Because this is a simple interest loan, if You do not make payments exactly as scheduled, Your final payment may be more or less than the amount of the final payment that is disclosed. If You elect voluntary payment protection, We will either include the premium or program fee(s) in Your payments or extend the term of Your loan. If the term is extended, You will be required to make additional payments of the scheduled amount, until what You owe has been paid. You promise to make all payments to the place We choose. If this loan refinances another loan You have with Us, the other loan will be canceled and refinanced as of the date of this loan. Unless otherwise required by law, payments will be applied to amounts owed in the manner We choose. 3. LOAN PROCEEDS BY MAIL - If the proceeds of this loan are mailed to You, interest on this loan begins on the date the loan proceeds are mailed to You. 4. SECURITY FOR LOAN - This Agreement is secured by all property described in the "Security" section of the Truth in Lending Disclosure. Property securing other loans You have with Us also secures this loan, unless the property is a dwelling or otherwise prohibited by federal and/or state law. In addition to Your pledge of shares, We may also have what is known as a statutory lien on all individual and joint accounts You have with Us. A statutory lien means We have the right under federal and/or state law to claim an interest in Your accounts. Unless otherwise prohibited by federal and/or state law, We can enforce a statutory lien against Your shares and dividends and, if any, interest and deposits, in all individual and joint accounts You have with Us to satisfy any outstanding financial obligation that is due and payable to Us. We may exercise Our right to enforce this lien without further notice to You, to the extent permitted by law. For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts You have with the Credit Union now and in the future. The statutory lien and/or Your pledge will allow Us to apply the funds in Your account(s) to what You owe when You are in default. If a dollar amount and account number are listed in the "Security" section of the Truth in Lending Disclosure, You may not withdraw the amount that has been specifically pledged to secure this loan until the Credit Union agrees to release all or part of the pledged amount. The statutory lien and Your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. 5. DEFAULT - You will be in default under this Agreement if You do not make a payment of the amount required on or before the date it is due. You will be in default if You break any promise You made in connection with this loan or if anyone is in default under any security agreement made in connection with this Agreement. You will be in default if You die, file for bankruptcy, become insolvent (that is, unable to pay Your bills and loans as they become due), or if You made any false or misleading statements in Your loan application. You will also be in default if something happens that We believe may seriously affect Your ability to repay what You owe under this Agreement or if You are in default under any other loan agreement You have with Us. 6. ACTIONS AFTER DEFAULT - When You are in default, We may demand immediate payment of the entire unpaid balance under this Agreement. If We demand immediate payment, You will continue to pay interest at the rate provided for in this Agreement, until what You owe has been repaid. We will also apply against what You owe any shares and/or deposits given as security under this Agreement. We may also exercise any other rights given by law when You are in default. Unless You are a Covered Borrower under the Military Lending Act, You waive any right You have to receive demand for payment, notice of intent to demand immediate payment and notice of demand for immediate payment. 7. EACH PERSON RESPONSIBLE - Each person who signs, or otherwise authenticates, this Agreement will be individually and jointly responsible for paying the entire amount owed under this Agreement. This means We can enforce Our rights against any one of You individually or against all of You together. 8. LATE CHARGE - If You are late in making a payment, You promise to pay the late charge shown in the Truth in Lending Disclosure. If no late charge is shown, You will not be charged one. 9. DELAY IN ENFORCING RIGHTS - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. 10. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 11. NOTICES - Notices will be sent to You at the most recent address You have given Us in writing. Notice to any one of You will be notice to all. 12. USE OF ACCOUNT - You promise to use Your account for consumer (personal, family or household) purposes, unless the Credit Union gives You written permission to use the account also for agricultural or commercial purposes, or to purchase real estate. 13. NO ORAL AGREEMENTS -- THIS NOTE CONSTITUTES A "WRITTEN LOAN AGREEMENT" PURSUANT TO SECTION 26.02 OF THE TEXAS BUSINESS AND COMMERCE CODE, IF SUCH SECTION APPLIES. THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 14. The following is required by Vermont law: NOTICE TO COSIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 15. NOTICE TO UTAH BORROWERS: This written Agreement is the final expression of the Agreement between You and the Credit Union. This written Agreement may not be contradicted by evidence of any oral agreement. 16. OTHER PROVISIONS - The parties agree that this debt shall be deemed to have been contracted in Oklahoma County, Oklahoma. The parties further agree that this note shall be deemed to have been given in Oklahoma County, Oklahoma. The parties agree that Oklahoma County, Oklahoma shall be the proper venue for any actions to enforce this agreement or take action pursuant to this agreement. (See 12 Okla. Stat. 142). SECURITY AGREEMENT In this Security Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears on this document and anyone to whom the Credit Union assigns or transfers this Agreement. All references to the "Loan" mean the loan described in the Loan Agreement that is part of this document. All references to "You" or "Your" mean any person who signs, or otherwise authenticates, this Agreement. 1. THE SECURITY FOR THE LOAN - You give Us what is known as a security interest in the Property described in the "Security" section of the Truth in Lending Disclosure that is part of this document ("the Property"). The security interest You give includes all accessions. Accessions are things which are attached to or installed in the Property now or in the future. The security interest also includes any replacements for the Property which You buy within 10 days of the Loan and any extensions, renewals or refinancings of the Loan. It also includes any money You receive from selling the Property or from insurance You have on the Property. If the value of the Property declines, You promise to give Us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Loan and any extensions, renewals or refinancings of the Loan. Unless prohibited by applicable law, the security interest also secures any other loans, including any credit card loan, You have now or receive in the future from Us and any other amounts You owe Us for any reason now or in the future, except any loan secured by Your principal dwelling. If the Property is household goods as defined by the Federal Trade Commission Credit Practices Rule or Your principal dwelling, the Property will secure only this Loan and not other loans or amounts You owe Us. 3. OWNERSHIP OF THE PROPERTY - You promise that You own the Property or, if this Loan is to buy the Property, You promise You will use the Loan proceeds for that purpose. You promise that no one else has any interest in or claim against the Property that You have not already told Us about. You promise not to sell or lease the Property or to use it as security for a loan with another creditor until the Loan is repaid. You promise You will allow no other security interest or lien to attach to the Property either by Your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If Your state issues a title for the Property, You promise to have Our security interest shown on the title. We may have to file what is called a financing statement to protect Our security interest from the claims of others. You irrevocably authorize Us to execute (on Your behalf), if applicable, and file one or more financing, continuation or amendment statements pursuant to the Uniform Commercial Code (UCC) in a form satisfactory to Us. You promise to do whatever else We think is necessary to protect Our security interest in the Property. You also promise to pay all costs, including but not limited to any attorney fees; We incur in protecting Our security interest and rights in the Property, to the extent permitted by applicable law. 5. USE OF PROPERTY - Until the Loan has been paid off, You promise You will: (1) Use the Property carefully and keep it in good repair. (2) Obtain Our written permission before making major changes to the Property or changing the address where the Property is kept. (3) Inform Us in writing before changing Your address. (4) Allow Us to inspect the Property. (5) Promptly notify Us if the Property is damaged, stolen or abused. (6) Not use the Property for any purpose that is against federal, state, or local laws. (7) Not retitle the Property in another state without telling Us. (8) Not use the Property or take any action that would violate the terms or conditions of your membership agreement with Oklahoma Educators Credit Union as amended and updated from time to time. 6. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the Property and to keep the Property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to Us. You may provide the property insurance through a policy You already have, or through a policy You get and pay for. You promise to make the insurance policy payable to Us and to deliver the policy or proof of coverage to Us if asked to do so. If You cancel Your insurance and get a refund, We have a right to the refund. If the Property is lost or damaged, We can use the insurance settlement to repair the Property or apply it towards what You owe. You authorize Us to endorse any draft or check which may be payable to You in order for Us to collect any refund or benefits due under Your insurance policy. If You do not pay the taxes or fees on the Property when due or keep it insured, We may pay these obligations, but We are not required to do so. Any money We spend for taxes, fees or insurance will be added to the unpaid balance of the Loan and You will pay interest on those amounts at the same rate You agreed to pay on the Loan. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor Our loans for the purpose of determining whether You and other borrowers have complied with the insurance requirements of Our loan agreements or may engage others to do so. The insurance charge added to the Loan may include (1) the insurance company's payments to Us and (2) the cost of determining compliance with the insurance requirements. If We add amounts for taxes, fees or insurance to the unpaid balance of the Loan, We may increase Your payments to pay the amount added within the term of the insurance or term of the Loan. 7. INSURANCE NOTICE - If You do not purchase the required property insurance, the insurance We may purchase and charge You for will cover only Our interest in the Property. The premium for this insurance may be higher because the insurance company may have given Us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 8. DEFAULT - You will be in default if You break any promise You make or fail to perform any obligation You have under this Agreement. You will also be in default under this Agreement if the Loan is in default. You will be in default if any Property You have given Us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the Property or Our security interest in it. 9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When You are in default, We may demand immediate payment of the outstanding balance of the Loan without giving You advance notice and take possession of the Property. You agree the Credit Union has the right to take possession of the Property without judicial process if this can be done without breach of the peace. If We ask, You promise to deliver the Property at a time and place We choose. If the Property is a motor vehicle or boat, You agree that We may obtain a key or other device necessary to unlock and operate it, when You are in default. We will not be responsible for any other property not covered by this Agreement that You leave inside the Property or that is attached to the Property. We will try to return that property to You or make it available for You to claim. After We have possession of the Property, We can sell it and apply the money to any amounts You owe Us. We will give You notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and selling the Property will be deducted from the money received from the sale. Those costs may include the cost of storing the Property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. If You have agreed to pay the Loan, You must pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Loan and to what You owe under this Agreement. You agree to pay interest on that amount at the same rate as the Loan until that amount has been paid. 10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. If We change the terms of the Loan, You agree that this Agreement will remain in effect. 11. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 12. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for You to fail to return a motor vehicle that is subject to a security interest, within thirty days after You have received notice of default. The notice will be mailed to the address You gave Us. It is Your responsibility to notify Us if Your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.00. [✓] The following notice applies ONLY when the box at left is marked. 13. 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. 14. OTHER PROVISIONS - The parties agree that this debt shall be deemed to have been contracted in Oklahoma County, Oklahoma. The parties further agree that this note shall be deemed to have been given in Oklahoma County, Oklahoma. The parties agree that Oklahoma County, Oklahoma shall be the proper venue for any actions to enforce this agreement or take action pursuant to this agreement. (See 12 Okla. Stat. 142). SIGNATURES By signing, or otherwise authenticating, as Borrower, You agree to the terms of the Loan Agreement. If Property is described in the "Security" section of the Truth in Lending Disclosure, You also agree to the terms of the Security Agreement. If You sign, or otherwise authenticate, as "Owner of Property" You agree only to the terms of the Security Agreement. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT Borrower 1 Signature X JEFFREY YOUNT Date 6/23/23 (Seal) Borrower 2 Signature X JONATHAN LLOYD Date 6-23-23 (Seal) Signature X (Seal) Signature X (Seal) Borrower 3: Owner of Property Witness Borrower 4: Owner of Property Witness EXHIBIT "B" LIEN RECEIPT SERVICE OKLAHOMA LIEN RECEIPT VIN: JN8AZ2NE0E9068221 VEHYR: 2014 MAKE: INFI MODEL: QX80 BODY: UT LIEN DATE: 06/29/2023 LIEN DEBTOR: JEFFREY YOUNT AND/OR JONATHAN LLOYD LIEN HOLDER ID: LH003222 OECU PO BOX 22222 OKLAHOMA CITY OK 73123-1222 L0943237544 AGNT #: M8832 DATE: 07/06/2023 REF#: L0943237544