Tinker Federal Credit Union v. Joshua D. Lee

IN THE DISTRICT COURT OF TULSA COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) ) Plaintiff, ) vs. ) ) JOSHUA D. LEE, ) ) Defendant. FILED DISTRICT COURT TULSA COUNTY, OKLAHOMA March 11, 2026 12:44 PM Case No. DON NEWBERRY, COURT CLERK Case Number CJ-2026-1116 PETITION Plaintiff, Tinker Federal Credit Union ("Plaintiff"), for its cause of action against the Defendant, Joshua D. Lee ("Defendant"), alleges and states as follows: 1. On or about March 3, 2022, Defendant executed a Promissory Note (hereinafter referred to as the "Contract"), and became obligated to pay Plaintiff the principal amount of $43,787.00, plus interest at 5.4900% per annum, according to the terms of the Contract. A copy of the Contract is attached hereto as Exhibit "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 2018 CHEVROLET SILVERADO PK (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 June 30, 2025, Plaintiff repossessed the Collateral. Plaintiff is entitled to a repossession title to the Collateral from the Oklahoma Tax Commission. 5. On August 19, 2025, the Collateral was sold for $13,800.00. 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 February 19, 2026 was $19,584.11. 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, Joshua D. Lee, in the amount of $19,584.11, plus interest since February 19, 2026, at a rate of 5.4900% per annum until paid and all contractual charges as set forth in the Contract and Plaintiff 's court costs and a reasonable attorney's fee and all other relief this Court deems just. Respectfully submitted, Jeffery S. Ludlam, OBA #17822 HALL & LUDLAM, PLLC 210 Park Ave, Suite 3001 Oklahoma City, OK 73102 (405) 600-9500 Telephone (405) 871-5403 Facsimile [email protected] HAW 553-OK-ARB-eps-14 7/21 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) <table> <tr> <th>Your Name and Address<br>(Including County and Zip Code)</th> <th>Co-Buyer Name and Address<br>(Including County and Zip Code)</th> <th>Seller-Creditor (Name and Address)</th> </tr> <tr> <td>SANDY M. HAWKINS<br>1303 4TH ST<br>BOKERIE, OK 74467</td> <td>JOSHUA D. HAWKINS<br>1303 4TH ST<br>BOKERIE, OK 74467</td> <td>JIM CLARKE ON THE RIVER<br>107 N. 51ST PIKE<br>TULSA, OK 74127-8317</td> </tr> </table> 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. This contract is a retail installment sale 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 report your finance charges to a credit bureau. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>Year/Model</th> <th>Make and Model</th> <th>Dealer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased<br>Purchased, Leased, or Registered Vehicle<br>Lease<br>Unleashed</th> </tr> <tr> <td>2018</td> <td>CHEVROLET TRUCK SILVERADO 1500</td> <td>SILVERADO</td> <td>3C5GCUKB2JG493790</td> <td>Purchased</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <h3>ORIGINAL PERCENTAGE RATE</h3> <p>The cost of credit expressed as a yearly rate.</p> <p>5.49 % $ ___02.06 $ ___437.00 $ ___5192.00 $ ___5192.00 $ ___3599.08</p> <h3>FEDERAL TRUTH-IN-LENDING DISCLOSURES</h3> <table> <tr> <th>Your Payment Schedule Will Be:</th> <th>Amount of Each Payment</th> <th>Finance Charge</th> <th>Total of Payments</th> <th>Total Sales Price</th> </tr> <tr> <td>Monthly</td> <td>$ __634.62</td> <td></td> <td></td> <td>$ ___5192.00</td> </tr> </table> <p>(a) means each consumer</p> <table> <tr> <th colspan="4">Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $ ___22.00 or ___% of the part of the payment that is late, whichever is greater.</th> </tr> <tr> <td colspan="4">Prepayment. If you pay early, you will not have to pay a penalty.</td> </tr> </table> <h3>Suspension Interest. You are given a society bearing in the vehicle being purchased.</h3> <h3>Additional Information. See the contract for more information regarding matters about ownership, cash advance payment, arbitration, and the cancellation date and annual report.</h3> <h3>Used Car Buyers Guide. The information you see on the window label for this vehicle is part of the Federal Trade Commission’s information on new car form overviews and could be used in the event of a complaint against it.</h3> <h3>Spanish Translation: Debe obtener, desde el vendedor de vehículos usados. La información que se encuentra en la etiqueta de la ventana para este vehículo está incluida para el consumidor.</h3> <h3>La información del compartimiento de la información de la información es una ejecución que dispone un consejo en el contrato de venta.</h3> <h3>NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY THEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.</h3> <p>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 claimed under this contract.</p> <h3>Agreement to Arbitrate By signing below, you agree that, pursuant to the Arbitration Provision on page 4 of this contract, you or we may seek to resolve any dispute by accord, having selected and not by a civil action, the Arbitration Provision in addition to exclusive jurisdiction has agreed to arbitrate.</h3> <table> <tr> <th>Buyer Signed</th> <th>Co-Buyer Signed</th> <th>Buyer Signed</th> <th>Co-Buyer Signed</th> </tr> <tr> <td></td> <td></td> <td>Sandy Hawkins</td> <td>Joshua Hawkins</td> </tr> </table> [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] 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[?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] [?] COMPUTER OF AMOUNT FINANCED 1 Check here including ________ S/A, otherwise ticked 2 Total Charges w/ S_________ <table> <tr> <th>Subtotal</th> <th>Product</th> <th>Amount</th> </tr> <tr> <td>Cost Basis - Allocation</td> <td></td> <td>$790.00</td> </tr> <tr> <td>Loss Pay off down by Seller or S/A</td> <td></td> <td>N/A</td> </tr> <tr> <td>Damage Paid in Advance</td> <td></td> <td>$350.00</td> </tr> <tr> <td>Cost</td> <td></td> <td>$1,000.00</td> </tr> <tr> <td>Other S/A</td> <td></td> <td>N/A</td> </tr> <tr> <td>Other (S/A)</td> <td></td> <td>N/A</td> </tr> <tr> <td>Sum of All Payments is negative, enter "0" and over if valued</td> <td></td> <td>-$85,00.00</td> </tr> <tr> <td>Upheld charges of Cost Paid on Items on This Subtotal</td> <td></td> <td>$123,36.00, 00</td> </tr> <tr> <td>Other Charges Including Amount Paid to Others on This Subtotal</td> <td></td> <td>(Enter may have part of these amounts)</td> </tr> <tr> <td colspan="2">Cost of Optional Credit Insurance Paid to Insurance Company or Company</td> <td>(A) $0.00</td> </tr> <tr> <td>Voluntary</td> <td></td> <td>N/A</td> </tr> <tr> <td>Voluntary Bures Premiums Paid to Insurance Company</td> <td></td> <td>N/A</td> </tr> <tr> <td>Cost Optional Insurance Paid to Insurance Company of Contractor</td> <td></td> <td>$1250.00</td> </tr> <tr> <td>Contractor Paid in Advance</td> <td></td> <td>N/A</td> </tr> <tr> <td>Other</td> <td></td> <td>N/A</td> </tr> <tr> <td>Other (S/A)</td> <td></td> <td>N/A</td> </tr> <tr> <td>Other Items Not Resolved in Cost Policy</td> <td></td> <td>N/A</td> </tr> <tr> <td>WELLING/SNK</td> <td></td> <td>$10.00</td> </tr> <tr> <td>Reserved Certificate of Title</td> <td></td> <td>N/A</td> </tr> <tr> <td>Other Charges (details itemized above and not covered by others)</td> <td></td> <td>N/A</td> </tr> <tr> <td>WRIGHT GLOVER ON THE TRADE INS.</td> <td></td> <td>$180.00</td> </tr> <tr> <td>BALLASTREE 2.0 PRO</td> <td></td> <td>$180.00</td> </tr> <tr> <td>JSA</td> <td></td> <td>N/A</td> </tr> <tr> <td>ALUMINUM</td> <td></td> <td>N/A</td> </tr> <tr> <td>ACCIDENT</td> <td></td> <td>N/A</td> </tr> <tr> <td>PROTECT</td> <td></td> <td>N/A</td> </tr> <tr> <td>ETC</td> <td></td> <td>N/A</td> </tr> <tr> <td>LOSS RESERVE</td> <td></td> <td>N/A</td> </tr> <tr> <td>Other Charges and Amount Paid to Others on This Subtotal</td> <td></td> <td>$4,619.00, 00</td> </tr> <tr> <td>Total Amount Due Later</td> <td></td> <td>$4,717,818.00, 00</td> </tr> </table> OTHERS: See Contract or your contract. If you correct that statement correctly it is not applied to other credit card will not be paid. At time your right holder and agree to pay the price charges, if presented to buy by yourself, you charge is then in the name of the customer of Account. completes. You pay up and notify to write off the same and whether a purchase, it is a part of this contract. By ____________________________, State ____________________________ I want to buy a golf course. Owner signed ________________ Date ____________________________ THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODY BUET OR PROPERTY DAMAGE CLAIMS. IF YOU ARE UNABLE TO RECEIVE INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. Check, the insurance you want and sign below: Optional Credit Insurance □ Gold Life □ Super □ Auto □ Com □ Auto □ Com □ Contractor Policy □ Auto □ Com □ Auto □ Com Premium Cost Life $ N/A Cost Disability $ N/A Insurance Company Name N/A Note Office Address N/A N/A Check, the insurance you want and sign below: Optional Credit Insurance □ Gold Life □ Super □ Auto □ Com □ Auto □ Com □ Contractor Policy □ Auto □ Com □ Auto □ Com Premium Cost Life $ N/A Cost Disability $ N/A Insurance Company Name N/A Note Office Address N/A N/A OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge by adding on at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment first to taxes, then to insurance, then to principal plus the unpaid part of the Annual Percentage Rate plus other amounts you owe under this contract or in any order we choose as the law allows. c. When and how often payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sales Price shown on page 1 of this contract on the assumption that: (1) you will make every payment when it is due; (2) your sales price and total of payments are correct; and (3) there will be more if you pay late and less if you pay early. Charges 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 payments. Before we make such changes, we will send you a notice telling you about these charges before the final scheduled payment is due. d. Your right to pay off your owe us at any time without penalty. You can always pay off your owe us at any time without penalty. If you do so, you must pay the accrued and unpaid part of the Finance Charge and other amounts due up to the date of your final payment. e. Your right to refinance if balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of the previous payments. If you are buying the vehicle completely for personal family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinance must be better than those that were in 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 owes until the latest even if the government gives you compensation or replaces it. 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 from this contract without our written permission unless you return it to us in good condition, secured, coffined, or in the trunks or trunk of the vehicle. We may require either to replace it or to replace it with a vehicle of equal value before selling the vehicle. c. Security Interest You give us a security interest in: • All the title and all parts or goods put on it. • Any proceeds and income derived (proceeds) from the vehicle. • All insurance, maintenance, service, or other contracts we finance for you. • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any balance of premiums or charges from the contracts. This secures payment of all you owes under this contract. It also secures payment of any charge for expenses made in the vehicle. You will not allow any other security interest to be placed on the title while our interests remain. d. Legal Protection. Any law requires that: • You agree to have a physical damage insurance covering loss of or damage to the vehicles for the term of this contract. The amount of insurance is based on your payment. If we agree to name us on your insurance policy at an additional charge and we lose pays. If you do not have this insurance, we say, if we choose, buy physical damage insurance, if we choose to get it. If we say yes, you must, if you have a choice, buy insurance that covers your interest end our interest in the vehicle, or buy insurance that covers only our interest. If we choose this type of insurance, we will pay all you owes and the charges you must pay. The charges will be the present for the insurance and finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or stolen we reserve the right to apply any insurance settlement to reduce what you owe or negotiate the settlement. • 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 payment when it is due if you do not pay it before the due date. 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 owe more than you owed us. If you break your promises (violations), we may demand that you pay all your owe us on this contract at once. Default means: • You did not pay any payment on time. • You gave us false information, or misleading information during credit application. • You start a proceeding in bankruptcy or one is started against you or your property. • You break another agreement in this contract. • The amount you owe will be the unpaid part of the Amount Financed plus the accrued and unpaid part of the Finance Charge, any late charges, and any amounts due because of violations. c. You may have to pay collection costs. If we hire an attorney who is not our staff employee to collect what you owe or sue you, you may have to pay their attorney's fees and court costs. 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 that we installed, and we can't start it, 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 disposing them. If we do not get back all these items back, we may dispose of them as the law allows. e. How you can get the vehicle back. If we take it, we repossessing the vehicle, you may pay to get it back (redemption). We will tell you how to do this. Follow 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 after we send you a written notice. Buy back before selling the vehicle. g. We will apply the money from the sale, less allowed expenses, to the amount you owe, Allowed expenses are expenses such as a lawyer's fees, taking the vehicle, keeping & preserving the vehicle, and selling it. Attorney fees and court costs, if the laws permits, are also allowed expenses. If any money is left over, we will pay it to you unless you owe us more. If you owe us more, we will keep it. 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 interest at a rate not exceeding the highest lawful rate until you pay. h. What we may do about optional insurance, endorsement, warranty, or other contracts. We cannot add any charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owes and we repossess the vehicle, you agreed that you may also become liable for the proceeds of a forced sale, or must pay us the difference between what you owe and the resale value. The vehicle will be sold at auction unless we decide otherwise in writing. If the vehicle is sold at auction, we will not be responsible for any losses. If the vehicle is sold at auction, we will not be responsible for any losses. If the vehicle is sold at auction, we will not be responsible for any losses. 4. WARRANTIES SELLER DISCLAIMS Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller assumes no warranties, express or implied, on the vehicle. There may be implied warranties or guarantees of merchantability or fit for a particular purpose. This provision does not affect any warranties covering the vehicle that the Vehicle manufacturer may provide. 6. SERVICING AND COLLECTION CONTACTS Top of Page. You can contact us by telephone or by mail or using pre-recorded/triggered voice messages, fax messages, and automatic telephone dialing systems, as the law allows. You also agree that we may call you at any time, day or night, at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. 6. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. 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 REMEDIES TO APPEAL AN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RECOVERY MECHANISMS AND RELIEFS IN THE COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute (whether in contract, tort, crime 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 (involving 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 will not apply to such claim or dispute. Any claims or disputes that are subject to binding arbitration must be filed individually, 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 (AAA), JAMS 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 a location chosen by either you or us unless the Seller is a party to the claim or dispute, in which case the location shall be in our principal place of business in the jurisdiction where the transaction related to the claim or dispute took place. The arbitrator shall calculate your arbitrator or hearing fee and your arbitrator or hearing fee will be paid in advance. We reserve the right to request a refund of such fees if the arbitrator finds the claim is frivolous under applicable law. The party that prevails in arbitration may seek fees and costs from the losing party. The arbitrator shall apply applicable rules of the chosen arbitration organization, but shall be entitled to decide whether and what fees and expenses should be borne by each party, or shared, including attorneys' fees. The arbitrator has the authority to assess, award, recover and order payment and satisfaction of any judgment or order entered against any party for attorney fees, costs and expenses incurred due to litigation, including the filing and filing fees, and interest, and any other relief to which the arbitrator determines the party is entitled. The arbitrator may also order specific performance and injunctive relief. The arbitrator shall certify the final award to the appropriate court for entry as a final judgment. Any award made by the arbitrator may be signed by the arbitrator, or may be signed by an authorized person. An award signed by an authorized person shall be binding upon the parties. The losing party shall pay all fees and costs associated with the arbitration procedure unless the arbitrator finds that the prevailing party should not be required to pay those fees and costs. The prevailing party shall be entitled to recover from the losing party all fees and costs associated with the arbitration procedure unless the arbitrator finds that the prevailing party should not be required to pay those fees and costs. 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. 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. Please read carefully before signing. By signing below, you agree to the terms contained herein. Date 04/12/22 Buyer Printed Name DAVID FOX, MIKE FOX Date 04/12/22 Co-Buyer Printed Name DAVID FOX, MIKE FOX Date 04/12/22 Buyer's Signature: ___________________________ Date: ____________________________ Co-Buyer's Signature: _______________________ Date: ____________________________ ; AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA ) ss. Anisha Kumar, of lawful age, being first duly sworn, upon oath deposes and states: 1. I am a Collections Associate 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 Joshua D Lee is not in the military. A copy is attached hereto. Signed under penalty of perjury [signature] Anisha Kumar Subscribed and sworn to before me this 19th day of February, 2026. Notary Public My Commission Expires: [stamp] (SEAL) Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-9614 Birth Date: Mar-XX-1983 Last Name: LEE First Name: JOSHUA Middle Name: D Status As Of: Feb-19-2026 Certificate ID: Z00SJGFH0092QZZ <table> <tr> <th colspan="4">On Active Duty On Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals’ active duty status based on the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">Left Active Duty Within 367 Days of Active Duty Status Date</th> </tr> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> <table> <tr> <th colspan="4">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scrar/#/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.