Citrus Tree Financial LLC v. Katie Ledford

IN THE DISTRICT COURT OF CREEK COUNTY STATE OF OKLAHOMA CITRUS TREE FINANCIAL LLC, Plaintiff, v. KATIE LEDFORD Defendant(s). Case No. PETITION Plaintiff, Citrus Tree Financial LLC for its causes of action against Defendant Katie Ledford, alleges and states: 1. Plaintiff is and at all times relevant hereto, a duly organized and existing entity authorized to transact business within the State of Oklahoma. 2. Defendant, Katie Ledford is a resident of Creek County, State of Oklahoma. 3. The Collateral which is the subject of this action is located at 1470 N 250 Rd, Mounds, OK 74047. 4. The Court has jurisdiction over the subject matter hereof and the parties hereto. 5. On or about April 11, 2025, Defendant executed a Retail Installment Sale Contract (the "Contract") for the purchase and finance of a 2025 Chevrolet Trax (VIN: KL77LHEP3SC226476) (the "Collateral") from Glover Chevrolet West LLC. Defendant contracted and agreed to pay a total sales price of $44,514.16 with finance charges at the rate of 19.99%, payments of principal and finance charges to be paid in monthly installments until the total obligation was paid in full. A true and correct copy of the Contract is attached hereto, incorporated herein and marked Exhibit "A". 6. Defendant, Katie Ledford, is in default under the terms and conditions of the Contract as required therein. Although due demand has been made, Defendant has wholly failed, refused and neglected to pay the payments due and owing to Plaintiff. After applying credit to all payments made by Defendant, there remains a principal balance due in the amount of $21,578.00. Further, Plaintiff is entitled to recover any amounts, however characterized, which are provided for under the Contract, including, but not limited to, late charges and the like. 7. The Contract was assigned to Ally Bank who then sold the Contract to Citrus Tree Financial LLC. Ally Bank has maintained the servicing rights to the same. 8. Ally Financial Inc. acts as collateral agent for Plaintiff pursuant to a Limited Power of Attorney and, therefore, appears as lienholder of record for the Plaintiff’s benefit. A copy of the Limited Power of Attorney and Certificate of Title are attached hereto as Exhibits “B” and “C”, respectively and incorporated herein by reference. 9. Pursuant to the Contract, Citrus Tree Financial LLC holds a security interest in and to the property sold to Defendant, Katie Ledford, which is described as follows: 2025 Chevrolet Trax (VIN: KL77LHEP3SC226476) 10. Defendant, Katie Ledford, has defaulted under the Contract and Security Agreement referred to above, despite demand for performance by the Plaintiff, and is therefore, in default under the Contract and Security Agreement. Plaintiff is entitled to an adjudication entitling it to permanent possession of the Collateral or, in the alternative, the right to sell said Collateral; said choice to be exercised at judgment. 11. Because of Defendant, Katie Ledford’s default under the Contract and Security Agreement, the Plaintiff has a special ownership or interest in the Collateral and is entitled to immediate possession of the Collateral. 12. The actual value of the Collateral is estimated at $27,125.00. 13. The Collateral has not been taken in execution on any order or judgment against the Plaintiff, or for the payment of any tax, fine or amercement assessed against the Plaintiff, or by virtue of an order of delivery issued under Okla. Stat. tit. 12, § 31, or any other means or final process issued against the Plaintiff. 14. The Plaintiff believes that Katie Ledford is in actual or constructive possession of the Collateral, and that the possession is subject to the rights of the Plaintiff. Although the Plaintiff has demanded possession of the Collateral, the Collateral has not been delivered or relinquished to the Plaintiff. Defendant, Katie Ledford, is therefore wrongfully detaining the Collateral. 15. The Plaintiff believes that Defendant, Katie Ledford, may attempt to conceal, damage or destroy the Collateral or a part thereof or remove the Collateral from the state or county, and the Plaintiff will thereby suffer irreparable harm. The Plaintiff is without adequate remedy at law to prevent such harm or injury. 16. The Plaintiff hereby requests the issuance of an Order of Delivery for the recovery of the Collateral. The Plaintiff further requests that the clerk of the Court issue a Notice to be served upon all Defendant, including Katie Ledford, that: (1) an Order of Delivery of the Collateral is sought; (2) all Defendant, including Katie Ledford, have a right to object by written response filed with the Court Clerk and delivered or mailed to the Plaintiff's attorney within five (5) days after service of the Petition; and (3) the Order of Delivery shall be issued by the Clerk in the event no written response is filed within the five (5) day period. Five (5) day Notice provided herein does not extend the date for objecting to the pre-judgment delivery described in the attached Notice or responding to the pre-judgment delivery as described in the attached Notice or responding to the Petition as required by the Summons served herewith. WHEREFORE, the Plaintiff, Citrus Tree Financial LLC prays: (a) that the Clerk of this Court issue the above-described Notice to Defendant, Katie Ledford, and the other Defendant and further that the Notice inform Defendant, Katie Ledford, that, pursuant to Okla. Stat. tit. 12, § 1571.1, any person who willfully and knowingly damages property in which there exists a valid right to the issuance of an Order of Delivery, or in which such Order has been sought under the provisions of Okla. Stat. tit. 12, § 1571.1 as amended, or who conceals it, with intent to interfere with the enforcement of the Order, or who removes it from the jurisdiction of this Court with the intention of defeating the enforcement of an Order of Delivery, or who willfully refuses to disclose its location to an officer in charge with executing an Order for its delivery, or who, when in possession of such property, willfully interferes with the officer charged with executing such writ shall be guilty of a misdemeanor, and in addition to such criminal penalties as are provided by law, shall be liable to Citrus Tree Financial LLC for double the amount of the damage done to the property; (b) That this Court issue an Order for the immediate delivery of the Collateral to Citrus Tree Financial LLC; that the Court issue an order of delivery for the immediate recovery of the aforesaid collateral and for an Order restraining the Defendant, Katie Ledford, from selling, alienating, concealing or damaging said Collateral; and that to effect the monetary judgment of this Court, the Collateral be ordered sold or liquidated according to the laws of the State of Oklahoma, with all proceeds of such sale be applied to the satisfaction of the judgment against the Defendant. (c) That the Court render judgment in favor of Citrus Tree Financial LLC, and against Defendant, Katie Ledford, for the possession of the Collateral, decreeing that Citrus Tree Financial LLC’s interest is senior and prior to the interest, if any, of Defendant, Katie Ledford, and all other defendants in the Collateral and authorizing the replevin and/or permanent possession of Katie Ledford's security interest in the Collateral. (d) Plaintiff prays it recover a judgment against the Defendant, Katie Ledford, in the principal sum of $21,578.00, plus finance charges in the amount of $1,960.68, plus any other charges that the Plaintiff may be entitled to under the contract and less any credits or adjustments, if applicable and together with late charges, that defendant and all those claiming by, through or under them since the commencement of this action, be forever barred and enjoined from asserting or claiming any right, title, or interest in or to the said collateral; and that it recover such other and further relief as may be just and equitable. Respectfully Submitted, LOGS LEGAL GROUP LLP Kirk J. Cejda #12241 Lesli Peterson #14177 Qhairium Douglas #33009 William Pace #31180 770 NE 63rd St. Oklahoma City, OK 73105-6431 Phone (405) 848-1819 Fax (405) 848-2009 [email protected] [email protected] [email protected] [email protected] Attorney for Plaintiff VERIFICATION I, Fernando Caballero, am an authorized representative of the Plaintiff, Citrus Tree Financial LLC, and I have read the above and foregoing Petition and said claims are true and correct to the best of my information and belief. [Handwritten Signature] Name: Fernando Caballero Title: Authorized Representative Subscribed and Sworn to before me, a Notary Public, this 20th day of January, 2026. [Handwritten Signature] Notary Public My Commission Expires: 07-26-2023 PATRICIA VIOLA KOHUT Notary Public, State of Texas Comm. Expires 07-26-2028 Notary ID 135010663 553-OK-ARB-e 8/24 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) | Co-Buyer Name and Address (Including County and Zip Code) | Seller-Creditor (Name and Address) Katie Ledford 1470 N 250TH RD Mounds, OK 74047 OKMULGEE N/A Glover Chevrolet West LLC 707 W. 51st St Tulsa, OK 74107 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes "we" or "us" in this contract) the Amount Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>New/Used</th> <th>Year</th> <th>Make and Model</th> <th>Odometer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>New</td> <td>2025</td> <td>Chevrolet Trax</td> <td>10</td> <td>KL77LHEP3SC226476</td> <td>Personal, family, or household unless otherwise indicated below<br>[ ] business<br>[ ] agricultural<br>N/A</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 of 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 $________</th> </tr> <tr> <td>19.99 %</td> <td>$ 15,936.16</td> <td>$ 21,578.00</td> <td>$ 37,514.16</td> <td>$ 7,000.00 is $ 44,514.16</td> </tr> </table> Your Payment Schedule Will Be: (e) means an estimate <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>72</td> <td>$ 521.03</td> <td>Monthly beginning 05/26/2025</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 $ 32.00 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 ventanilla para este vehículo forma parte del presente contrato. La Información del formulario de la ventanilla deja sin efecto toda disposición en contrario contenida en el contrato de venta. WARRANTIES SELLER DISCLAIMERS 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. ☐ 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. Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on page 5 of this contract, you or we may elect to resolve any dispute by neutral, binding arbitration and not by a court action. See the Arbitration Provision for additional information concerning the agreement to arbitrate. Buyer Signs X A Co-Buyer Signs X A ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $__________ N/A sales/excise tax) $ 25,425.00 (1) 2 Total Downpayment = Trade-in N/A N/A N/A (Year) (Make) (Model) Gross Trade-In Allowance $ N/A Less Pay Off Made By Seller to N/A $ N/A Equals Net Trade In $ N/A + Cash $ 7,000.00 + 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) $ 7,000.00 (2) 3 Unpaid Balance of Cash Price (1 minus 2) $ 18,425.00 (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 $ N/A 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 Registration Fee : $ 10.00 $ 10.00 H Government Certificate of Title Fees $ N/A I Other Charges (Seller must identify who is paid and describe purpose.) to N/A for Prior Credit or Lease Balance $ N/A to SouthwestRe for Service Contract $ 2,654.00 to Jim Glover Chevrolet for Documentation Fee $ 489.00 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 Total Other Charges and Amounts Paid to Others on Your Behalf $ 3,153.00 (4) 5 Amount Financed (3 + 4) $ 21,578.00 (5) OPTION: □ You pay no finance charge if the Amount Financed, item 5, is paid in full on or before N/A, Year N/A, SELLER'S INITIALS N/A OPTIONAL GAP CONTRACT. A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in Item 4D of the Itemization of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Term N/A Mos. Name of Gap Contract I want to buy a gap contract. Buyer Signs X B N/A 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 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 Home Office Address _____________________ N/A Credit life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in Item 4A of the Itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not cover any increase in your payment or in the number of payments. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional Insurance □ N/A N/A Type of Insurance Term Premium $ __________________________ N/A Insurance Company Name ____________________ Home Office Address __________________ N/A □ N/A N/A Type of Insurance Term Premium $ __________________________ N/A Insurance Company Name ____________________ Home Office Address __________________ N/A Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. XC N/A N/A Buyer Signature Date XC 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 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. SERVICING AND COLLECTION CONTACTS In consideration of our extension of credit to you, you agree to provide us your contact information for our servicing and collection purposes. You agree that we may use this information to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. You agree to allow our agents and service providers to contact you as agreed above. You agree that you will, within a reasonable time, notify us of any change in your contact information. 5. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. 6. NEGATIVE CREDIT REPORT NOTICE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Electronic Contracting and Signature Acknowledgment. You agree that (i) this contract is an electronic contract executed by you using your electronic signature, (ii) your electronic signature signifies your intent to enter into this contract and that this contract be legally valid and enforceable in accordance with its terms to the same extent as if you had executed this contract using your written signature and (iii) the authoritative copy of this contract ("Authoritative Copy") shall be that electronic copy that resides in a document management system designated by us for the storage of authoritative copies of electronic records, which shall be deemed held by us in the ordinary course of business. Notwithstanding the foregoing, if the Authoritative Copy is converted by printing a paper copy which is marked by us as the original (the "Paper Contract"), then you acknowledge and agree that (1) your signing of this contract with your electronic signature also constitutes issuance and delivery of such Paper Contract, (2) your electronic signature associated with this contract, when affixed to the Paper Contract, constitutes your legally valid and binding signature on the Paper Contract and (3) subsequent to such conversion, your obligations will be evidenced by the Paper Contract alone. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND 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, any allegation of waiver of rights under 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 only on an individual basis and not as a plaintiff in a collective or representative action, or a class representative or member of a class on any class claim. The arbitrator may not preside over a consolidated, representative, class, collective, injunctive, or private attorney general action. You expressly waive any right you may have to arbitrate a consolidated, representative, class, collective, injunctive, or private attorney general action. You or we may choose the American Arbitration Association (www.adr.org) or National Arbitration and Mediation (www.namadr.com) as the arbitration organization to conduct the arbitration. If you and we agree, you or we may choose a different arbitration organization. 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 transaction was originated. We will pay the filing, administration, service, or case management fee and the arbitrator or hearing fee up to a maximum of $5,000, unless the law or the rules of the chosen arbitration organization require us to pay more. You and we will pay the filing, administration, service, or case management fee and the arbitrator or hearing fee over $5,000 in accordance with the rules and procedures of the chosen arbitration organization. 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 for disputes or claims within that court's jurisdiction, unless such action is transferred, removed or appealed to a different court. Neither you nor we waive the right to arbitrate any related or unrelated claims by filing any action in small claims court, or 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 or statutory public 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 rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. You agree that you expressly waive any right you may have for a claim or dispute to be resolved on a class basis in court or in arbitration. If a court or arbitrator finds that this class arbitration waiver is unenforceable for any reason with respect to a claim or dispute in which class allegations have been made, the rest of this Arbitration Provision shall also 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 XD Katie Ledford Co-Buyer Signs XD N/A 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 E Katie Ledford Date 04/11/2025 Co-Buyer Signs X E N/A Date N/A Buyer Printed Name Katie Ledford Co-Buyer Printed Name N/A Title N/A If the "business" use box is checked in "Primary Use for Which Purchased": Print Name 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 F N/A Address N/A Seller signs Glover Chevrolet West LLC Date 04/11/2025 By X E EVELYN KHALIL Title FINANCE MANAGER LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that the undersigned, Ally Bank a/k/a Ally Bank Corp. and Ally Capital Corp. (the “Company”) does hereby make, constitute and appoint Ally Financial Inc. and Ally Servicing LLC (collectively the “Servicer”) as its true and lawful attorney-in-fact, with full power of substitution, with respect to (i) all retail installment sale contracts, lease agreements, and loans serviced and administered by said attorney-in-fact for the benefit of Company, (ii) the collateral securing such retail installment sale contracts and loans and the vehicles related to such lease agreements, (iii) all security documents related to such contracts, loans and leases, and (iv) all payments and proceeds with respect to the foregoing (collectively, the "Property"), (a) to sign, acknowledge, file, appear as lien holder on, in the name, place and stead of Company, all certificates, documents and instruments relating to the Property, including, but not limited to, any instrument of assignment, certificate of title, notice of lien, assignment of lien, application for a certificate of title or duplicate of a certificate of title, application to register or transfer title, document to effect the notation of a lien upon a certificate of title or the assignment of such a lien, notice of any such assignment, application to register or transfer the rights as secured party under any policy of insurance, insurance claim, demand or request for premium refund, bankruptcy proof of claim, claim or demand against any dealer or against any person who may have an obligation to Company pursuant to or with respect to the Property, affidavit of repossession, bill of sale, notice of sale, lien release and odometer statement; (b) to authorize and consummate the sale and disposition of any part of the Property; (c) to collect and receive proceeds relating to or with respect to the Property; (d) to commence or participate, in the Servicer’s own name or in the name of Company, a legal proceeding related to the Property under the Agreement, and in connection with any such proceeding to execute and deliver in the Servicer’s or Company’s name any notices, demands, claims, complaints, responses, affidavits or other documents or instruments; and (e) further as said attorney-in-fact may deem fit and proper to perfect the right, title and interest of Company in any part of the Property. The undersigned further hereby gives and grants unto said attorney-in-fact full power and authority to do and perform every act necessary and proper to be done in the exercise of any of the foregoing powers as fully as the undersigned might or could do if personally present. The undersigned further ratifies the actions taken by said attorney-in-fact in connection with the servicing and administration of retail installment sale contracts, loans and lease agreements by said attorney-in-fact prior to the execution date below for the benefit of Company. This Power of Attorney shall continue in effect until superseded by a newer power of attorney between Company and Servicer or until revoked in writing by the undersigned or another authorized representative of Company. Anyone to whom this Power of Attorney is presented may rely upon it without further inquiry of the undersigned. A photocopy of this Power of Attorney shall have the same effect as an original, manually signed and acknowledged counterpart of this Power of Attorney. IN WITNESS WHEREOF, the undersigned has executed this instrument this 28th day of January, 2020. Ally Bank By: ____________________________ Name: Jeffrey A. Belisle Title: Secretary Execution Copy ACKNOWLEDGMENT STATE OF MICHIGAN ) ) ss. COUNTY OF WAYNE ) On this 28th day of January, 2020, before me personally appeared Jeffrey A. Belisle, who acknowledged to me to be an officer and authorized representative of the above legal entity, and that he, as such officer and authorized representative, being fully authorized to do so, executed the foregoing instrument for the purposes therein contained as the free act and deed of said legal entity, and as his free act and deed as an officer and authorized representative of said legal entity. IN WITNESS WHEREOF, I hereunto set my hand and official seal. DONNA M. DICICCO NOTARY PUBLIC, STATE OF MI COUNTY OF MACOMB MY COMMISSION EXPIRES May 25, 2025 ACTING IN COUNTY OF Wayne Notary Public My Commission expires: ____________ SERVICE OKLAHOMA LIEN HOLDERS RELEASE FORMS VIN: KL77LHEP3SC226476 AGNT #: M7262 LIEN DEBTOR: KATIE LEDFORD KATIE LEDFORD 1470 N 250TH RD MOUNDS OK 74047 LIEN HOLDER: ALLY FINANCIAL LIEN HOLDER ID: LH001128 ALLY FINANCIAL PO BOX 8104 COCKEYSVILLE MD 21030-8104 TO: SERVICE OKLAHOMA MOTOR VEHICLE DIVISION P.O. BOX 269061 OKLAHOMA CITY OK 73126-9061 VEHYR: 2025 MAKE: CHEV MODEL: TRAX LIEN DATE: 04/11/2025 BODY: UT L0064626776 EXHIBIT C REF#: L0064626776 TO WHOM IT MAY CONCERN: WE HAVE RELEASED OUR SECURITY INTEREST IN THE MOTOR VEHICLE DESCRIBED ABOVE, EFFECTIVE ON THE DATE WHICH APPEARS BY MY SIGNATURE. PLEASE REVISE YOUR RECORDS TO REFLECT THIS RELEASE. SIGNATURE OF REPRESENTATIVE OF SECURED PARTY X_________________________________________ DATE ____________________ LENDER: TO ENSURE PROPER PROCESSING OF YOUR COMPLETED LIEN RELEASE, PLEASE NOTE THE FOLLOWING. DO NOT ALTER THIS DOCUMENT NO STAPLES NO TAPE NO FOREIGN FIXTURES OR ATTACHMENTS NO WRITING OR MARKING (OTHER THAN SIGNATURE AND DATE FOR RELEASE) DO NOT ALTER THE SIZE OF THIS DOCUMENT