Tinker Federal Credit Union v. Marian M. Lewis

IN THE DISTRICT COURT OF BRYAN COUNTY STATE OF OKLAHOMA TINKER FEDERAL CREDIT UNION ) Plaintiff, ) vs. ) MARIAN M. LEWIS AND JUAN A. ROJAS, JR., ) Defendants. ) PETITION CLAIM ONE: BREACH OF CONTRACT - REPLEVIN Plaintiff, Tinker Federal Credit Union ("Plaintiff"), for its cause of action against the defendants, Marian M. Lewis and Juan A. Rojas, Jr. ("Defendants"), alleges and states as follows: 1. On or about November 24, 2021, Defendants executed a Promissory Note (hereinafter referred to as the "Contract"), and became obligated to pay Plaintiff the principal amount of $66,640.56, plus interest at 3.7400% per annum, according to the terms of the Contract. A copy of the Contract is attached hereto as Exhibit "A". 2. As part of the Contract and to secure the performance of Defendants, Defendants executed a Security Agreement and granted Plaintiff a security interest in a 2021 RAM 2500 VIN: 3C6UR5CL3MG674713 and 2019 HYUNDAI TUCSON VIN: KM8J23A49KU912201 (hereinafter referred as the "Collateral"). Plaintiff properly perfected its security interest in accordance with Oklahoma law. A copy of the Lien Entry is attached hereto as Exhibit "B". 3. Defendants have failed to pay pursuant to the terms of the Contract, despite demand by Plaintiff, and are therefore in default under the Contract and Security Agreement. 4. As of February 3, 2026, the balance due on the Contract was $27,166.62. 5. 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. 6. Because of Defendants' default under the Contract and Security Agreement, Plaintiff has a special ownership or interest in the Collateral and is entitled to immediate possession of the Collateral. 7. The actual value of the Collateral is estimated at $34,925.00. 8. The Collateral has not been taken in execution on any order or judgment against Plaintiff, or for the payment of any tax, fine or amercement assessed against Plaintiff, or by virtue of an order of delivery issued under Chapter 31 of Title 12 of the Oklahoma Statutes, or for any other mesne or final process issued against Plaintiff. 9. Plaintiff believes that Defendants are in actual or constructive possession of the Collateral, and that Defendants' possession is subject to the rights of Plaintiff. Although Plaintiff has demanded possession of the Collateral, Defendants have failed to deliver or relinquish possession of the Collateral to Plaintiff. Defendants are, therefore, wrongfully detaining the Collateral. 10. Plaintiff believes that Defendants may attempt to conceal, damage or destroy the Collateral or a part thereof, or to remove the Collateral for the State or County, and Plaintiff will thereby suffer irreparable harm. Plaintiff is without adequate remedy at law to prevent such harm and injury. As such, Plaintiff respectfully requests this Court to enter an Order requiring Defendants to appear and disclose the location of the Collateral. 11. Pursuant to the Servicemember’s Civil Relief Act of 2003, Plaintiff has reviewed the Department of Defense website and determined Defendants are not in the military. See the Affidavit attached hereto as Exhibit “C”. 12. Plaintiff requests an Order authorizing it to issue subpoenas immediately pursuant to 12 O.S. §2004.1 related to the location of the Collateral and Defendants' cell phone records and data. 13. Pursuant to 40 O.S. §4-508(D), Plaintiff requests an Order that at any time or times subsequent to the filing of this order, the Oklahoma Employment Security Commission shall produce, within thirty (30) days of receipt of this order, employment information of the Defendants. WHEREFORE, Tinker Federal Credit Union prays: (a) 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 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 an order for its 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 Plaintiff for double the amount of damages done to the property, together with a reasonable attorney's fees to be fixed by the Court; (b) that this Court enter money judgment for Plaintiff and against Defendants, jointly and severally, in the amount of $27,166.62, plus interest since February 3, 2026, at a rate of 3.7400% until paid, plus Plaintiff's court costs and a reasonable attorney's fee; (c) that this Court issue an order for immediate delivery of the Collateral to Plaintiff; (d) that this Court issue an Order requiring Defendants to appear and disclose the location of the Collateral; (e) Plaintiff requests an Order authorizing it to issue subpoenas immediately pursuant to 12 O.S. §2004.1 to nonparties for the production of documentary evidence related to the location of the Collateral and Defendants’ cell phone records and data, (f) that this Court render judgment in favor of Plaintiff and against the Defendants for possession of the Collateral, decreeing that Plaintiff's interest in the Collateral is senior and prior to the interest of Defendants in the Collateral, and authorizing the foreclosure of Plaintiff's security interest in the Collateral and (g) award all contractual charges as set forth in the Contract and all other relief this Court deems just. CLAIM TWO: BREACH OF CONTRACT - REP LEVIN Plaintiff, Tinker Federal Credit Union ("Plaintiff"), for its cause of action against the Defendant, Marian M. Lewis ("Defendant"), alleges and states as follows: 14. On or about April 26, 2021, Defendant executed a Promissory Note (hereinafter referred to as the "Contract") and became obligated to pay Plaintiff the principal amount of $20,823.00, plus interest at 6.9900% per annum, according to the terms of the Contract. A copy of the Contract is attached hereto as Exhibit "D". 15. As part of the Contract and to secure the performance of Defendant, Defendant executed a Security Agreement and granted Plaintiff a security interest in a 2019 HYUNDAI TUCSON VIN: KM8J23A49KU912201 (hereinafter referred as the "Collateral"). Plaintiff properly perfected its security interest in accordance with Oklahoma law. A copy of the Lien Entry is attached hereto as Exhibit "E". 16. Defendant failed to pay pursuant to the terms of the Contract, despite demand by Plaintiff, and are therefore in default under the Contract and Security Agreement. 17. As of February 3, 2026, the balance due on the Contract was $8,759.40. 18. 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. 19. Because of Defendant’s default under the Contract and Security Agreement, Plaintiff has a special ownership or interest in the Collateral and is entitled to immediate possession of the Collateral. 20. The actual value of the Collateral is estimated at $12,000.00. 21. The Collateral has not been taken in execution on any order or judgment against Plaintiff, or for the payment of any tax, fine or amercement assessed against Plaintiff, or by virtue of an order of delivery issued under Chapter 31 of Title 12 of the Oklahoma Statutes, or for any other mesne or final process issued against Plaintiff. 22. Plaintiff believes that Defendant is in actual or constructive possession of the Collateral, and that Defendant’s possession is subject to the rights of Plaintiff. Although Plaintiff has demanded possession of the Collateral, Defendant failed to deliver or relinquish possession of the Collateral to Plaintiff. Defendant is, therefore, wrongfully detaining the Collateral. 23. Plaintiff believes that Defendant may attempt to conceal, damage or destroy the Collateral or a part thereof, or to remove the Collateral for the State or County, and Plaintiff will thereby suffer irreparable harm. Plaintiff is without adequate remedy at law to prevent such harm and injury. As such, Plaintiff respectfully requests this Court to enter an Order requiring Defendant to appear and disclose the location of the Collateral. WHEREFORE, Tinker Federal Credit Union prays: (a) that the clerk of this Court issue the above-described notice to Defendant, and further that the notice inform Defendant, that pursuant to 12 O.S. §1571.1, any person who willfully or knowingly damages property in which there exists a valid right to 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 an order for its 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 Plaintiff for double the amount of damages done to the property, together with a reasonable attorney's fees to be fixed by the Court; (b) that this Court enter money judgment for Plaintiff and against Defendant, in the amount of $8,759.40, plus interest since February 3, 2026, at a rate of 6.9900% until paid, plus Plaintiff's court costs and a reasonable attorney's fee; (c) that this Court issue an order for immediate delivery of the Collateral to Plaintiff; (d) that this Court issue an Order requiring Defendant to appear and disclose the location of the Collateral; (e) Plaintiff requests an Order authorizing it to issue subpoenas immediately pursuant to 12 O.S. §2004.1 to nonparties for the production of documentary evidence related to the location of the Collateral and Defendant’s cell phone records and data, (f) that this Court render judgment in favor of Plaintiff and against the Defendant for possession of the Collateral, decreeing that Plaintiff 's interest in the Collateral is senior and prior to the interest of Defendant in the Collateral, and authorizing the foreclosure of Plaintiff's security interest in the Collateral, and (g) award all contractual charges as set forth in the Contract 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] VERIFICATION STATE OF OKLAHOMA ) COUNTY OF OKLAHOMA ) I, Rafael Carattini Jr., of lawful age, being first duly sworn upon oath, state: That I am an agent for the plaintiff, Tinker Federal Credit Union, the above-named; that I have read the above and foregoing Petition; that the matters, facts and things therein stated are true and correct to the best of my belief and knowledge. ______________________________ Rafael Carattini Jr Subscribed and sworn to before me this 9th day of February, 2026. Notary Public My Commission Expires: RETAIL INSTALLMENT SALE CONTRACT - SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (including County and Zip Code) JUAN ANTONIO ROJAS JR 18495 SURBURBAN BLVD SULPHUR OK 73086 MURRAY Co-Buyer Name and Address (including County and Zip Code) HARLAN H ROJAS 18495 SURBURBAN BLVD SULPHUR OK 73086 Seller-Creditor (Name and Address) FREEDOM COJOR FIAT BY ED HORSE 2516 W UNIVERSITY BLVD DURANT OK 74701 You, the Buyer(s) and Co-Buyer (if applicable), may buy a vehicle before cash or on credit. By signing this contract, you choose to buy the vehicle on credit. Please read the agreements on the front and back of 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. New Used: NEW Year: 2022 Make and Model: RAM RAM 2500 Customizer: 13 Vehicle Identification Number: 3C6UR5CL5MG674713 Payment Due: Monthly Cash or Credit Card: N/A Personal, Family, or Household Use: N/A FEDERAL TRUTH-IN-LENDING DISCLOSURES ANNUAL PERCENTAGE RATE: 3.74% FINANCE CHARGE: $6548.56 Amount Finance Charge is based on amount you would pay if you paid for the vehicle outright. Total Amount You Will Have Paid After Your Down Payment Is Committed: $74947.56 Total Sale Price: $64,482.44 Down Payment: $10,000.00 Total Amount You Will Have Paid After Your Down Payment Is Committed: $74,947.54 Your Payment Schedule Will Be: Number of Payments: 75 Amount of Payment: $959.30 Term: MONTHLY Beginning Date: 8/1/2022 Late Charge: If payment is not received in full within 10 days after it is due, you will pay a late charge of 2.75% or .5% of the part of the payment that is late, whichever is greater. Prepayment: If you pay early, you will not be entitled to pay less. Security Deposit: See contract for more information about the vehicle being purchased. Additional Information: See contract for more information including information about nonpayment, default, any required repayment or full before the scheduled date and security interest. TERMINATION OF AMOUNT FINANCED 1. Cash Price Including: N/A Sales Tax: $3,602.50 2. Total Downpayment: $10,000.00 3. Other Charges Included: $0 - Trade-In Allowed: $25000.00 - Less Pay Off Mode By Seller or Buyer: $24617.56 - Equal Net Trade In: $582.44 - Cash: $0.00 - RAM BONUS BUCKS: $750.00 - Other: N/A - Other: N/A - Total Downpayment is negative; enter “0” and see 4 below): $61922.56 Unpaid Balance of Cash Price (if needed): $0.00 4. Other Charges Includes Amounts Paid to Others on Your Behalf - Seller's Fees Paid by Seller: A. Cost of Optional Credit Insurance Paid to Insurance Company or Companies: N/A B. Vehicle Sale/Lease Insurance Paid to Insurance Company: N/A C. Other Optional Insurance Paid to Insurance Company or Companies: N/A D. Government Fees: N/A E. Other Fees Paid to Government Agencies: N/A F. Other Fees Paid to Dealership: N/A G. Other Charges: $19.00 H. Government Certificate of Title Fees: N/A I. Other: N/A - Prior Credit or Lease Brokers: N/A - GLOBAL RELOCATION: $300.00 - FREEDOM COJOR FIAT ESCROW: $250.00 - FREEDOM COJOR FIAT DOC FEE: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - N/A: N/A - Amount Financed: $50,848.00 - Total Other Charges and Amounts Paid to Others: $6548.56 *YOUR STATE'S STATE INSURANCE OR RECOVERY. The preceding list is provided by the creditor, the creditor requires you to acknowledge and certify that you have read and understood this statement, and that you understand that you are not required to purchase additional insurance or any insurance other than that described above. If you elect to purchase insurance through the creditor, the cost of this insurance is to be considered part of the purchase price of the vehicle. If you elect to purchase insurance through another source, you are responsible for obtaining proof of obligations regarding the vehicle. OPTIONAL GAP CONTRACT (your optional installment contract cannot be included in initial loan and will not be provided). See buyer sign below and review at pay in cash charge. If you choose to buy a gap contract, the option is item 4 of the termination of amount financed. Any recoveries arising from insurance will be credited to the sale against net proceeds between the sale and net proceeds from sale. OPTIONAL GAP CONTRACT (your optional installment contract cannot be included in initial loan and will not be provided). See buyer sign below and review at pay in cash charge. If you choose to buy a gap contract, the option is item 4 of the termination of amount financed. Any recoveries arising from insurance will be credited to the sale against net proceeds between the sale and net proceeds from sale. This insurance does not include insurance on your liability for bodily injury or property damage caused to others without such insurance and not operate this vehicle on public highways. How the Contract Can Be Changed: This contract contains the agreement between you and us regarding the sale of this vehicle and we may change it. No oral changes are binding. Buyer Sign: ___________________________ Date: _______/_______/______ Co-Buyer Sign: ___________________________ Date: _______/_______/______ 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 both sides of this contract, including the arbitration provision on the reverse side, before signing below. You confirm that you received a summary of your rights before you signed it. Buyer Signature: ___________________________ Date: _____/_____/______ Co-Buyer Signature: ___________________________ Date: _____/_____/______ If the borrower has a vehicle in their name, they are responsible for paying the entire amount. An owner whose name is not one of these names and is not on the title, is not a secured party, is not entitled to the vehicle but could not be held liable for any other arrangements made regarding the payment of this amount. Other owners sign here: ___________________________ Other owners sign here: ___________________________ Other owners sign here: ___________________________ Other owners sign here: ___________________________ State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. 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 agreement between you and us regarding the sale of this vehicle and we may change it. No oral changes are binding. Buyer Sign: ___________________________ Date: _____/_____/______ Co-Buyer Sign: ___________________________ Date: _____/_____/______ 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 both sides of this contract, including the arbitration provision on the reverse side, before signing below. You confirm that you received a summary of your rights before you signed it. Buyer Signature: ___________________________ Date: _____/_____/______ Co-Buyer Signature: ___________________________ Date: _____/_____/______ If the borrower has a vehicle in their name, they are responsible for paying the entire amount. An owner whose name is not one of these names and is not on the title, is not a secured party, is not entitled to the vehicle but could not be held liable for any other arrangements made regarding the payment of this amount. Other owners sign here: ___________________________ Other owners sign here: ___________________________ Other owners sign here: ___________________________ EXHIBIT A 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 (APR) shown for the term of the agreement. b. How we will apply payments. We may apply each payment to the smaller unpaid part of the Finance Charge or to the Total of Payments, whichever is due first. We will apply additional payments as specified in the Addendum. c. How we will figure early payments charges when you must pay. We based the Finance Charge, Total of Payments, and Total Sales Price shown on the front or the back of this document on the date of sale or lease contract prices. Our annual percentage rate is based on that price. Your Finance Charge, Total of Payments, and Total Sales Price will be more if you take late fees, if you pay your finance charges or interest by the next due date, by paying a late charge, or if you choose another payment option. d. Your right to refund a balloon payment. A balloon payment is a large payment that will be due at the end of the Contract term or lease. The balloon payment will be no more than twice the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or recreational use, and you pay a balloon payment without reducing your monthly payment amount, the terms of this agreement will be different from what we originally agreed about your payments. If you can afford it, we suggest that you request a payment schedule that covers the cost of the vehicle over your estimated income. e. Your right to refinance. If you have a balloon payment, you have the right to refinance. If you have a balloon payment, contact us to discuss your refinancing options. 2. YOUR OTHER PROMISES TO US a. If the vehicle is destroyed, damaged, missing, or missing. You agree to return the vehicle in substantially the same condition when the vehicle is destroyed, damaged, missing, or missing. b. Using the vehicle. You agree not to misuse the vehicle's resale value, then return the vehicle to us in substantially the same physical condition as when you received it. c. Not to resell or transfer. You agree not to resell or transfer ownership of the vehicle without our written permission. You agree not to assign or transfer without our written permission. You agree not to assign or transfer the vehicle to an individual, organization, or entity other than yourself. d. Not to damage the vehicle. You agree not to damage the vehicle or allow others to damage the vehicle. e. Not to kill the engine. You agree not to kill the vehicle's engine. f. Not to remove parts. You agree not to remove any parts, accessories, or equipment from the vehicle. g. Not to add signs, stickers, or other items. You agree not to add any signs, stickers, or other items to the vehicle. h. Not to modify the vehicle. You agree not to modify the vehicle in any way. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will owe a late charge on overdue payments unless the agreement states otherwise. A late payment does not excuse your late payment or mean that you may keep making late payments. b. You may have to pay all you owe at once. If you break your payment contract, you may have to pay all you owe on contract at once. Details include: • You do not pay any amount on time. • You fail to provide accurate, or misleading information during credit application. • You start a proceeding in bankruptcy or one is started against you without our consent. • You breach any agreements in this contract. The amount you will owe will be the highest unpaid part of the balance under the Agreement, including any amount of the Finance Charge, any late charges, and any amounts due because you defaulted. 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 US DECIDED BY ARBITRATION AND NOT IN COURT BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER OR 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 TO 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 alien or citizen, whether in contract, tort, statute or otherwise, seeking the interpretation and scope of this Arbitration Provision, and the arbitration agreement contained herein, are subject to the Federal Arbitration Act. This arbitration agreement includes all references 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 the contract itself, are resolved by neutral, binding arbitration and not by a court action. Federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision is valid only if you and we agree to arbitrate all disputes, including all claims under this agreement, except as set out above. You expressly waive any right you may have to arbitrate a class action. You may choose the American Arbitration Association (AAA) or any other organization to conduct the arbitration subject to our approval. You may get a copy of the rules of the AAA or another organization by contacting them or visiting their website. Arbitration shall be in accordance with the Arbitration Provision, subject to applicable laws, rules and regulations, and to applicable rules of the AAA or other organization, as applicable. Arbitration hearing shall be conducted in the federal district in which either party resides, unless the other party consents in writing to another location. All hearings shall be held on at least two consecutive days, unless both parties consent in writing to fewer days. If the arbitration hearing is held outside of either party’s residence city or county, the arbitrator may require each party to pay approximately half of the arbitrator’s fee and expenses. On request by either party, the arbitrator may postpone the hearing until the next business day if the hearing is held outside of either party’s residence city or county. Each party shall bear its own attorney’s fees and costs. Any award issued by the arbitrator shall be final and binding on both parties, except that you may seek review of the award in a court of competent jurisdiction. Any arbitration under this Arbitration Provision shall be governed by Federal Arbitration Act (9 U.S.C. Secs. 1 et seq.). You may refer to the Federal Arbitration Act for further details regarding the rights and obligations of parties to an arbitration proceeding. The laws of the State of California shall control all matters relating to the effectuation of this Arbitration Provision. In addition, this contract contains a "small claims" clause for disputes or claims within the court's jurisdiction, unless such actions is transferred, removed or appealed to a different court. Neither you nor we have the right to resolve by filing with help websites, such as representations, or by filing an action to recover the vehicle, to recover a deficiency balance, or for purchase injunctive relief. Any courts that may prosecute this or any related action or suit against the seller or debtor must be located in the State of California or the county where the vehicle was delivered. For any reason, the remainder of this Agreement remains enforceable. If a waiver of class action rights is deemed or found to be invalid, the remainder of this Agreement remains valid. OKLAHOMA TAX COMMISSION LIEN HOLDERS RELEASE FORMS VIN: 3C6UR5CL3MG674713 / AGNT #: M0720 LIEN DEBTOR: ROJAS JR, JUAN ANTONIO/ ROJAS, MARIAN M ROJAS JR, JUAN ANTONIO/ ROJAS, MARIAN M 15850 W PAT HOWE RD SULPHUR OK 73086-8731 VEHYR: 2021 MAKE: RAM MODEL: BODY: LIEN DATE: 11/24/2021 LIEN HOLDER: TINDER FEDERAL CREDIT UNION TINKER FEDERAL CREDIT UNION PO BOX 45750 TINKER AFB OK 73145-0750 REF#: L0754638472 TO: OKLAHOMA TAX COMMISSION MOTOR VEHICLE DIVISION P.O. BOX 269061 OKLAHOMA CITY OK 73126 SEAL OF THE STATE OF OKLAHOMA 1907 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 AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA ) SS. Tay Parker, of lawful age, being first duly sworn, upon oath deposes and states: 1. I am a Collections Legal Specialist for Tinker Federal Credit Union and I am authorized to make this Affidavit of its behalf. Based on a review of the Department of Defense website Marian M Lewis not in the military. A copy is attached hereto. Signed under penalty of perjury, Parker Tay Parker Subscribed and sworn to before me this 4th day of February, 2026. Notary Public My Commission Expires: (SEAL) EXHIBIT C Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-0563 Birth Date: Last Name: LEWIS First Name: MARIAN Middle Name: Status As Of: Feb-04-2026 Certificate ID: 35QDSRWLT2JVBZ3 <table> <tr> <th colspan="5">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="5">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="5">The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date</th> </tr> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. - The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website’s FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. AFFIDAVIT STATE OF OKLAHOMA COUNTY OF OKLAHOMA ) ) ) ss. Tay Parker, of lawful age, being first duly sworn, upon oath deposes and states: 1. I am a Collections Legal Specialist for Tinker Federal Credit Union and I am authorized to make this Affidavit of its behalf. Based on a review of the Department of Defense website Juan A Rojas, Jr. not in the military. A copy is attached hereto. Signed under penalty of perjury, Parker Tay Parker Subscribed and sworn to before me this 4th day of February, 2026. Notary Public My Commission Expires: # 23010881 EXP. 09/11/20 (SEAL) Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-0257 Birth Date: Last Name: ROJAS First Name: JUAN Middle Name: Status As Of: Feb-04-2026 Certificate ID: ZQXS2FHQBFIWRBY On Active Duty On Active Duty Status Date <table> <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> </table> This response reflects the individuals' active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date <table> <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> </table> This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date <table> <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> </table> This response reflects whether the individual or his/her unit has received early notification to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) MARIAN ROJAS 109 1/2 W BENTON AVE APT 4 DAVIS OK 73030 COUNTY: MURRAY Co-Buyer Name and Address (Including County and Zip Code) N/A Seller-Creditor (Name and Address) BARRY SANDERS NISSAN 1625 N ROCKFORD RD ARDMORE, OK 73401 New/Used Year Make and Model Odometer Vehicle Identification Number Primary Use For Which Purchased USED 2019 HYUNDAI TUCSON 39089 KM8J2A49KU912201 Personal, family, or household unless otherwise indicated below: ☐ business ☐ agricultural ☐ N/A 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 $_________.</th> </tr> <tr> <td>6.99 %</td> <td>$ 4803.96</td> <td>$ 20823.00</td> <td>$ 25626.96</td> <td>$ 28126.96</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>$ 365.93</td> <td>MONTHLY beginning 06/13/2021</td> </tr> <tr> <td>N/A</td> <td>N/A</td> <td>N/A</td> </tr> </table> Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $26.50 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. 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. Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on page 4 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 Marian Rogers Co-Buyer Signs X N/A Returned Check Charge: You agree to pay a charge of $25.00 if any check you give us is dishonored. ☐ 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. NO COOLING OFF PERIOD State law does not provide for a "cooling off" or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You cannot cancel this contract simply because you change your mind. This notice does not apply to home solicitation sales. ITEMIZATION OF AMOUNT FINANCED 1 Cash Price (including $________ N/A sales/excise tax) $ 18919.00 (1) 2 Total Downpayment = Trade-in 2005 DODGE RAM 2500 (Year) (Make) (Model) Gross Trade-In Allowance $ 2500.00 Less Pay Off Made By Seller to ___N/A__ $ N/A Equals Net Trade In $ 2500.00 + Cash $ N/A + Other N/A $ N/A + Other N/A $ N/A + Other N/A $ N/A (If total downpayment is negative, enter "0" and see 4f below) $ 2500.00 (2) 3 Unpaid Balance of Cash Price (1 minus 2) $ 16419.00 (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 $ 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 $ 895.00 E Official Fees Paid to Government Agencies to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A F Government Taxes Not Included in Cash Price $ N/A G Government License and/or Registration Fees N/A LIEN ENTRY 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 NESNA VSC for SERVICE CONTRACT $ 3000.00 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 BARRY SANDERS NISSAN for Doc Fee $ 499.00 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 Total Other Charges and Amounts Paid to Others on Your Behalf $ 4404.00 (4) 5 Amount Financed (3 + 4) $ 20823.00 (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 ______ 72 ____ Mos. _______, NESNA GAP Name of Gap Contract I want to buy a gap contract. Buyer Signs [X] ____________________________ Co-Buyer Signature X ____________________________ Insurance. You may buy the physical damage insurance the contract requires from anyone you choose who is acceptable to us. You may also provide the physical damage insurance through an existing policy owned or controlled by you that is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interest Insurance is required is checked on page 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 [X] 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 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 end on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional Insurance [X] N/A N/A Type of Insurance Term Premium $ N/A Insurance Company Name N/A Home Office Address N/A [ ] N/A N/A Type of Insurance Term Premium $ N/A Insurance Company Name N/A 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. X N/A N/A Buyer Signature Date X N/A N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose as the law allows. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. d. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in: • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you; and • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. d. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. You agree to name us on your insurance policy as an additional insured and as loss payee. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below. b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during credit application; • You start a proceeding in bankruptcy or one is started against you or your property; or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney's fee and court costs the law permits. The maximum attorney's fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device (such as GPS), you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you. If you do not ask for these items back, we may dispose of them as the law allows. e. How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redeem). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. WARRANTIES SELLER DISCLAIMS Unless the Seller makes a written warranty, or enters into a service contract within 90 days from the date of this contract, the Seller makes no warranties, express or implied, on the vehicle, and there will be no implied warranties of merchantability or of fitness for a particular purpose. This provision does not affect any warranties covering the vehicle that the vehicle manufacturer may provide. 5. SERVICING AND COLLECTION CONTACTS You agree that we may try to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. 6. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN US DECIDED BY ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. 3. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute, whether in contract, tort, statute or otherwise (including the interpretation and scope of this Arbitration Provision, and the arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns, which arises out of or relates to your credit application, purchase or condition of this vehicle, this contract or any resulting transaction or relationship (including any such relationship with third parties who do not sign this contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. Any claim or dispute is to be arbitrated by a single arbitrator on an individual basis and not as a class action. You expressly waive any right you may have to arbitrate a class action. You may choose the American Arbitration Association (www.adr.org) or any other organization to conduct the arbitration subject to our approval. You may get a copy of the rules of an arbitration organization by contacting the organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable statute of limitations. The arbitration hearing shall be conducted in the federal district in which you reside unless the Seller-Creditor is a party to the claim or dispute, in which case the hearing will be held in the federal district where this contract was executed. We will pay your filing, administration, service or case management fee and your arbitrator or hearing fee all up to a maximum of $5000, unless the law or the rules of the chosen arbitration organization require us to pay more. The amount we pay may be reimbursed in whole or in part by decision of the arbitrator if the arbitrator finds that any of your claims is frivolous under applicable law. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law. If the chosen arbitration organization’s rules conflict with this Arbitration Provision, then the provisions of this Arbitration Provision shall control. Any arbitration under this Arbitration Provision shall be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and not by any state law concerning arbitration. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. You and we retain the right to seek remedies in small claims court 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 by using self-help remedies, such as repossession, or by filing an action to recover the vehicle; to recover a deficiency balance, or for individual injunctive relief. Any court having jurisdiction may enter judgment on the arbitrator’s award. This Arbitration Provision shall survive any termination, payoff or transfer of this contract. If any part of this Arbitration Provision, other than waivers of class action rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. If a waiver of class action rights is deemed or found to be unenforceable for any reason in a case in which class action allegations have been made, the remainder of this Arbitration Provision shall be unenforceable. The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge. HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this contract must be in writing and we must sign it. No oral changes are binding. Buyer Signs X [Signature] Co-Buyer Signs X 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 [Signature] Date 04/29/2021 Co-Buyer Signs X N/A Date N/A Buyer Printed Name MARIAN ROJAS 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 Title N/A Co-Buyers and Other Owners — A co-buyer is a person who is responsible for paying the entire debt. An other owner is a person whose name is on the title to the vehicle but does not have to pay the debt. The other owner agrees to the security interest in the vehicle given to us in this contract. Other owner signs here X N/A Address N/A Seller signs BARRY SANDERS NISSAN Date 04/29/2021 By X Title FINANAGER Seller assigns its interest in this contract to TINKER FEDERAL CREDIT UNION (Assignee) under the terms of Seller’s agreement(s) with Assignee: Assigned with recourse ☐ Assigned without recourse ☒ Assigned with limited recourse ☐ Seller BARRY SANDERS NISSAN By X Title FINANAGER OKLAHOMA TAX COMMISSION LIEN HOLDERS RELEASE FORMS VIN: KM8J23A49KU912201 AGNT #: M8832 LIEN DEBTOR: ROJAS.MARIAN ROJAS.MARIAN 109 1/2 W BENTON AVE APT 4 DAVIS OK. 73030-1769 VEHYR: 2019 MAKE: HYUN MODEL: TUCSON LIEN DATE: 04/29/2021 BODY: UT LIEN HOLDER: TINKER FEDERAL CREDIT UNION TINKER FEDERAL CREDIT UNION PO BOX 45750 TINKER AFB OK 73145-0750 TO: OKLAHOMA TAX COMMISSION MOTOR VEHICLE DIVISION P.O. BOX 269061 OKLAHOMA CITY OK 73126 REF#: L1858136048 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