Red Crown Federal Credit Union v. Kallie Leilani Keene

IN THE DISTRICT COURT IN AND FOR WASHINGTON COUNTY STATE OF OKLAHOMA RED CROWN FEDERAL CREDIT UNION, ) ) Plaintiff, ) v. ) Case No. CJ-2026-60 KALLIE LEILANI KEENE, ) ) Defendant. PETITION Plaintiff, Red Crown Federal Credit Union ("RCFCU"), by its attorneys, ROBINETT, SWARTZ & DUREN, for its claims against the Defendant, Kallie Leilani Keene, alleges and states the following: 1. RCFCU is a federal credit union with its principal place of business in Tulsa, Oklahoma. 2. Upon information and belief, Kallie Leilani Keene is a citizen of Oklahoma. 3. The agreement sued upon in this action was executed and breached in Washington County, Oklahoma. FIRST CLAIM FOR RELIEF 4. On or about March 5, 2024, Defendant executed a note and security agreement that was assigned to RCFCU, whereby Defendant promised to pay RCFCU the sum shown on said note and gave as security for payment of same a security interest in the following-described personal property: 2019 Jeep Cherokee; VIN: 1C4PJMDXXKD161865. 5. Kallie Leilani Keene defaulted under the terms of said note and security agreement by failing to make the required installment payments thereunder, and after all just payments and credits are allowed, she is indebted on the note for the principal sum of $27,014.23, with interest accrued and accruing on the principal balance at the rate of 14.99% per annum, until paid, the costs of this action, accrued and accruing, and a reasonable attorney’s fee. A copy of said note and security agreement is attached hereto and marked Exhibit “A”.¹ 6. By virtue of the attached, Plaintiff holds a lien upon, a special ownership in, and the right to the immediate possession of the above-described personal property; the value of said property is, upon information and belief, $20,000.00. 7. The Defendant may claim some right, title or interest in or to the above-described personal property, but any right, title, interest or claim of the Defendant is junior and inferior to the claim of the Plaintiff herein; the Plaintiff is entitled to the immediate possession of the above-described property. 8. The property was not taken in execution on any order of judgment against Plaintiff, or for the payment of any tax, fine, or amercement assessed against it, or by virtue of an Order of Delivery issued under law, or any other means of final process issued against Plaintiff; or, if taken in execution or on any order of judgment against the Plaintiff, it is exempt by law from being so taken. 9. Plaintiff has retained ROBINETT, SWARTZ & DUREN, attorneys at law, to collect this claim and Plaintiff is entitled to recover the costs of this action and a reasonable attorney fee. ¹ Personal identifiers have been redacted. SECOND CLAIM FOR RELIEF 10. Plaintiff incorporates by reference all of the material allegations of its First Claim for Relief as if the same were set forth herein in full. 11. The Defendant Kallie Leilani Keene is indebted to Plaintiff on the aforesaid note and security agreement attached as Exhibit “A”, for the principal sum of $27,014.23, with interest accrued and accruing on the principal balance at the rate of 14.99% *per annum*, until paid, the costs of this action, accrued and accruing, and a reasonable attorney’s fee; Plaintiff has retained ROBINETT, SWARTZ & DUREN, attorneys at law, to collect this claim, and Plaintiff is entitled to a reasonable attorney fee; and this indebtedness is secured by a lien upon the property sought to be recovered in Plaintiff’s First Claim for Relief and is herewith joined therein as provided by statute. 12. Pursuant to Title 15 U.S.C. § 1692(g), Fair Debt Collection Practices Act, if applicable, unless the person or entity responsible for the payment of the above debt, within thirty-five days after receipt of this notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid; and if said person or entity notifies the undersigned attorney for Plaintiff in writing within said thirty-five day period that the debt, or any portion thereof, is disputed, said attorney will obtain verification of the debt and a copy of such verification will be mailed to said person or entity by the undersigned attorney for Plaintiff; and upon written request by you within the thirty-five day period, the undersigned attorney for Plaintiff will provide the name and address of the original creditor, if different from the current creditor. The law does not require me to wait until the end of the thirty-five day period following first contact with you before suing you to collect the debt. Even though the law provides that your answer to the petition is to be filed in this action within 35 days, you may obtain an extension of that time. Furthermore, no request will be made to the Court for a judgment until the expiration of thirty-five days after your receipt of this petition and summons. However, if you request proof of the debt or the name and address of the original creditor within the thirty-five day period that begins with your receipt of this petition and summons, the law requires me to cease my efforts (through litigation or otherwise) until I mail the requested information to you. You should consult an attorney for advice concerning your rights and obligations in this suit. This is an attempt to collect a debt (with the exception of a discharged debt in bankruptcy) and any information obtained will be used for that purpose. WHEREFORE, Plaintiff, Red Crown Federal Credit Union, prays for an Order requiring the Defendant, Kallie Leilani Keene, to deliver to Plaintiff the goods so unlawfully detailed, or the value of the same in lieu thereof; for judgment on its First Claim for Relief and against the Defendant for immediate possession of the above-described property of a total value, upon information and belief, of $20,000.00; for judgment on its First Claim for Relief against the Defendant, for all accrued and accruing costs, including a reasonable attorney fee; or in the event possession cannot be had, then a judgment against the Defendant for the principal sum of $27,014.23, with interest accrued and accruing on the principal balance at the rate of 14.99% per annum, until paid, the costs of this action, accrued and accruing, and a reasonable attorney’s fee; and Plaintiff further prays that as provided by statute, that if a judgment be rendered on Plaintiff’s First Claim for Relief, for possession, the judgment on its Second Claim for Relief be stayed, pending the determination of the amount remaining due the Plaintiff after the sale of any property obtained, pursuant to a judgment for possession, and pursuant to the lien held upon the property by the Plaintiff, and upon the determination of the deficiency due to the Plaintiff, after the aforesaid sale, that judgment be entered on its Second Claim for Relief for the amount of any deficiency, together with all Plaintiff’s costs herein expended. Plaintiff further requests judgment against Defendant for its attorneys’ fees and costs. Plaintiff further requests that upon entry of judgment, the Court also enter an Order directing the Oklahoma Employment Security Commission to produce employment information on the judgment debtor, as more fully set out above. Respectfully submitted, ROBINETT, SWARTZ & DUREN By: ____________________________ Charles R. Swartz, OBA No. 22313 Christopher R. Kemp, OBA No. 31115 Mid-Continent Tower 401 S. Boston Ave., Suite 1600 Tulsa, Oklahoma 74103 Telephone: (918) 592-3699 Facsimile: (918) 592-0963 [email protected] [email protected] Attorneys for Plaintiff Red Crown Federal Credit Union RED CROWN CREDIT UNION 5001 E. 91st St. | Tulsa, OK 74137-3504 Loan and Security Agreements and Disclosure Statement Covered Borrower Under Military Lending Act FIXED RATE STEP RATE LOAN DATE ACCOUNT NUMBER LOAN NUMBER MATURITY DATE VARIABLE RATE 03/05/2024 BORROWER 1 (Name & Address) KALLIE LEILANI KEENE 2928 STAATS DRIVE BARTLESVILLE, OK 74006 TRUTH IN LENDING DISCLOSURE (e.g., means an estimate) <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE<br>The cost of Your credit as a yearly rate.</th> <th>Amount Financed<br>The dollar amount the credit will cost You.</th> <th>Total of Payments<br>The amount of credit provided to You or on Your behalf.</th> <th>Total Sale Price<br>The total cost of Your purchase on credit is which includes Your downpayment of</th> </tr> <tr> <td>15.107 %</td> <td>$ 16,048.48</td> <td>$ 30,109.00</td> <td>$ 46,157.48</td> <td>$</td> </tr> </table> Your Payment Schedule Will Be: Number of Payments $ Amount of Payments When Payments Are Due Prepayment: If You pay off early You will not have to pay a penalty. 71 $ 641.09 MONTHLY 04/15/2024 Required Deposit: The Annual Percentage Rate does not take into account Your required deposit, if any. 1 $ 640.09 03/15/2030 Demand: ☐ This obligation has a demand feature. ☐ All disclosures are based on an assumed maturity of one year. Property Insurance: You may obtain property insurance from anyone You want that is acceptable to the Credit Union. If You get the insurance from the Credit Union You will pay $N/A Late Charge: After 15 days delinquent; $15.00 or 5% of scheduled payment, whichever is greater. Filing Fees $10.00 Non-Filing Insurance $ Security: Collateral securing other loans with the Credit Union may also secure this Loan. You are giving a security interest in Your shares and dividends and, if any, Your deposits and interest in the Credit Union; and the Property described below: Collateral Property/Model/Make Year I.D. Number Type Value Key Number AUTO CHEROKEE JEEP 2019 1C4PJMDXXKD161865 J.D POWER I $27075.00 $ Other (Describe) Pledge of Shares $0.00 in Account No. $0.00 in Account No. Variable Rate: See Your contract documents for any additional information about nonpayment, default, and any required repayment in full before the scheduled date. ITEMIZATION OF THE AMOUNT FINANCED (e.g., means an estimate) <table> <tr> <th>Itemization of Amount Financed of</th> <th>Amount Given to You Directly</th> <th>Amount Paid on Your Account</th> <th>Prepaid Finance Charge</th> </tr> <tr> <td>$30,109.00</td> <td>$0.00</td> <td>$0.00</td> <td>$79.00</td> </tr> </table> Amounts Paid to Others on Your Behalf: (If an amount is marked with an asterisk (*) We will be retaining a portion of the amount.) <table> <tr> <th></th> <th>To</th> <th></th> <th>To</th> <th></th> </tr> <tr> <td>$429.00</td> <td>GAP</td> <td>$10.00</td> <td>SOK</td> <td></td> </tr> <tr> <td>$79.00</td> <td>DOC FEE</td> <td>$29670.00</td> <td>SKYWAY HONDA</td> <td></td> </tr> <tr> <td></td> <td>To</td> <td>$</td> <td>To</td> <td></td> </tr> <tr> <td></td> <td>To</td> <td>$</td> <td>To</td> <td></td> </tr> <tr> <td></td> <td>To</td> <td>$</td> <td>To</td> <td></td> </tr> <tr> <td></td> <td>To</td> <td>$</td> <td>To</td> <td></td> </tr> <tr> <td></td> <td>To</td> <td>$</td> <td>To</td> <td></td> </tr> </table> MILITARY LENDING ACT DISCLOSURES Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call Us at (800).318-7228 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation. A "Covered Borrower" for purposes of this loan means a consumer who, at the time the consumer becomes obligated on this loan, is a covered member or a dependent of a covered member as defined by the Military Lending Act. A Covered Borrower does not mean a consumer who (though a Covered Borrower at the time he or she became obligated on this transaction) no longer is a covered member or a dependent of a covered member as defined by the Military Lending Act. LOAN AGREEMENT In this Loan Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears above and anyone to whom the Credit Union assigns or transfers this Agreement. All references to "You" or "Your" mean each person who signs, or otherwise authenticates, this Agreement as a borrower. 1. PROMISE TO PAY - You promise to pay $30,188.00 to the Credit Union plus interest on the unpaid balance until what You owe has been repaid. For fixed rate loans, the interest rate is 14.990% per year. For step-rate loans, the initial interest rate will be % until and then the interest rate will be % until the balance is repaid in full. For variable rate loans, the initial interest rate is % per year and will vary as follows: Collection Costs: You promise to pay all costs of collecting the amount You owe under this Agreement. These costs will include reasonable attorney fees not in excess of 15% of the unpaid debt after default and referral to an attorney, not a salaried employee of the credit union, unless You borrowed $1,000 or less at an interest rate greater than 10% per year. 2. PAYMENTS - You promise to make payments of the amount and at the time shown in the Truth in Lending Disclosure. If this is a variable rate loan, the Promise to Pay section tells You whether, if the interest rate increases, You will have to make more payments, higher payments, or if the final payment will be a balloon payment. You may prepay any amount without penalty. If You prepay any part of what You owe, You are still required to make the regularly scheduled payments, unless We have agreed to a change in the payment schedule. Because this is a simple interest loan, if You do not make payments exactly as scheduled, Your final payment may be more or less than the amount of the final payment that is disclosed. If You elect voluntary payment protection, We will either include the premium or program fee(s) in Your payments or extend the term of Your loan. If the term is extended, You will be required to make additional payments of the scheduled amount, until what You owe has been paid. You promise to make all payments to the place We choose. If this loan refinances another loan You have with Us, the other loan will be canceled and refinanced as of the date of this loan. Unless otherwise required by law, payments will be applied to amounts owed in the manner We choose. 3. LOAN PROCEEDS BY MAIL - If the proceeds of this loan are mailed to You, Interest on this loan begins on the date the loan proceeds are mailed to You. 4. SECURITY FOR LOAN - This Agreement is secured by all property described in the "Security" section of the Truth in Lending Disclosure. Property securing other loans You have with Us also secures this loan, unless the property is a dwelling or otherwise prohibited by federal and/or state law. In addition to Your pledge of shares, We may also have what is known as a statutory lien on all individual and joint accounts You have with Us. A statutory lien means We have the right under federal and/or state law to claim an interest in Your accounts. Unless otherwise prohibited by federal and/or state law, We can enforce a statutory lien against Your shares and dividends and, if any, interest and deposits, in all individual and joint accounts You have with Us to satisfy any outstanding financial obligation that is due and payable to Us. We may exercise Our right to enforce this lien without further notice to You, to the extent permitted by law. For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts You have with the Credit Union now and in the future. The statutory lien and/or Your pledge will allow Us to apply the funds in Your account(s) to what You owe when You are in default. If a dollar amount and account number are listed in the "Security" section of the Truth in Lending Disclosure, You may not withdraw the amount that has been specifically pledged to secure this loan until the Credit Union agrees to release all or part of the pledged amount. The statutory lien and Your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. 5. DEFAULT - You will be in default under this Agreement if You do not make a payment of the amount required on or before the date it is due. You will be in default if You break any promise You made in connection with this loan or if anyone is in default under any security agreement made in connection with this Agreement. You will be in default if You die, file for bankruptcy, become insolvent (that is, unable to pay Your bills and loans as they become due), or if You made any false or misleading statements in Your loan application. You will also be in default if something happens that We believe may seriously affect Your ability to repay what You owe under this Agreement or if You are in default under any other loan agreement You have with Us. 6. ACTIONS AFTER DEFAULT - When You are in default, We may demand immediate payment of the entire unpaid balance under this Agreement. If We demand immediate payment, You will continue to pay interest at the rate provided for in this Agreement, until what You owe has been repaid. We will also apply against what You owe any shares and/or deposits given as security under this Agreement. We may also exercise any other rights given by law when You are in default. Unless You are a Covered Borrower under the Military Lending Act, You waive any right You have to receive demand for payment, notice of intent to demand immediate payment and notice of demand for Immediate payment. 7. EACH PERSON RESPONSIBLE - Each person who signs, or otherwise authenticates, this Agreement will be individually and jointly responsible for paying the entire amount owed under this Agreement. This means We can enforce Our rights against any one of You individually or against all of You together. 8. LATE CHARGE - If You are late in making a payment, You promise to pay the late charge shown in the Truth in Lending Disclosure. If no late charge is shown, You will not be charged one. 9. DELAY IN ENFORCING RIGHTS - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. 10. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 11. NOTICES - Notices will be sent to You at the most recent address You have given Us in writing. Notice to any one of You will be notice to all. 12. USE OF ACCOUNT - You promise to use Your account for consumer (personal, family or household) purposes, unless the Credit Union gives You written permission to use the account also for agricultural or commercial purposes, or to purchase real estate. 13. NO ORAL AGREEMENTS -- THIS NOTE CONSTITUTES A "WRITTEN LOAN AGREEMENT" PURSUANT TO SECTION 26.02 OF THE TEXAS BUSINESS AND COMMERCE CODE, IF SUCH SECTION APPLIES. THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 14. The following is required by Vermont law: NOTICE TO COSIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 15. NOTICE TO UTAH BORROWERS: This written Agreement is the final expression of the Agreement between You and the Credit Union. This written Agreement may not be contradicted by evidence of any oral agreement. 16. OTHER PROVISIONS - SECURITY AGREEMENT In this Security Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears on this document and anyone to whom the Credit Union assigns or transfers this Agreement. All references to the "Loan" mean the loan described in the Loan Agreement that is part of this document. All references to "You" or "Your" mean any person who signs, or otherwise authenticates, this Agreement. 1. THE SECURITY FOR THE LOAN - You give Us what is known as a security interest in the Property described in the "Security" section of the Truth in Lending Disclosure that is part of this document ("the Property"). The security interest You give includes all accessions. Accessions are things which are attached to or installed in the Property now or in the future. The security interest also includes any replacements for the Property which You buy within 10 days of the Loan and any extensions, renewals or refinancings of the Loan. It also includes any money You receive from selling the Property or from insurance You have on the Property. If the value of the Property declines, You promise to give Us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Loan and any extensions, renewals or refinancings of the Loan. Unless prohibited by applicable law, the security interest also secures any other loans, including any credit card loan, You have now or receive in the future from Us and any other amounts You owe Us for any reason now or in the future, except any loan secured by Your principal dwelling. If the Property is household goods as defined by the Federal Trade Commission Credit Practices Rule or Your principal dwelling, the Property will secure only this Loan and not other loans or amounts You owe Us. 3. OWNERSHIP OF THE PROPERTY - You promise that You own the Property or, if this Loan is to buy the Property, You promise You will use the Loan proceeds for that purpose. You promise that no one else has any interest in or claim against the Property that You have not already told Us about. You promise not to sell or lease the Property or to use it as security for a loan with another creditor until the Loan is repaid. You promise You will allow no other security interest or lien to attach to the Property either by Your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If Your state issues a title for the Property, You promise to have Our security interest shown on the title. We may have to file what is called a financing statement to protect Our security interest from the claims of others. You irrevocably authorize Us to execute (on Your behalf), if applicable, and file one or more financing, continuation or amendment statements pursuant to the Uniform Commercial Code (UCC) in a form satisfactory to Us. You promise to do whatever else We think is necessary to protect Our security interest in the Property. You also promise to pay all costs, including but not limited to any attorney fees, We incur in protecting Our security interest and rights in the Property, to the extent permitted by applicable law. 5. USE OF PROPERTY - Until the Loan has been paid off, You promise You will: (1) Use the Property carefully and keep it in good repair. (2) Obtain Our written permission before making major changes to the Property or changing the address where the Property is kept. (3) Inform Us in writing before changing Your address. (4) Allow Us to inspect the Property. (5) Promptly notify Us if the Property is damaged, stolen or abused. (6) Not use the Property for any unlawful purpose. (7) Not retitle the Property in another state without telling Us. 6. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the Property and to keep the Property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to Us. You may provide the property insurance through a policy You already have, or through a policy You get and pay for. You promise to make the insurance policy payable to Us and to deliver the policy or proof of coverage to Us if asked to do so. If You cancel Your insurance and get a refund, We have a right to the refund. If the Property is lost or damaged, We can use the insurance settlement to repair the Property or apply it towards what You owe. You authorize Us to endorse any draft or check which may be payable to You in order for Us to collect any refund or benefits due under Your insurance policy. If You do not pay the taxes or fees on the Property when due or keep it insured, We may pay these obligations, but We are not required to do so. Any money We spend for taxes, fees or insurance will be added to the unpaid balance of the Loan and You will pay interest on those amounts at the same rate You agreed to pay on the Loan. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor Our loans for the purpose of determining whether You and other borrowers have complied with the insurance requirements of Our loan agreements or may engage others to do so. The insurance charge added to the Loan may include (1) the insurance company’s payments to Us and (2) the cost of determining compliance with the insurance requirements. If We add amounts for taxes, fees or insurance to the unpaid balance of the Loan, We may increase Your payments to pay the amount added within the term of the insurance or term of the Loan. 7. INSURANCE NOTICE - If You do not purchase the required property insurance, the insurance We may purchase and charge You for will cover only Our interest in the Property. The premium for this insurance may be higher because the insurance company may have given Us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 8. DEFAULT - You will be in default if You break any promise You make or fail to perform any obligation You have under this Agreement. You will also be in default under this Agreement if the Loan is in default. You will be in default if any Property You have given Us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the Property or Our security interest in it. 9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When You are In default, We may demand immediate payment of the outstanding balance of the Loan without giving You advance notice and take possession of the Property. You agree the Credit Union has the right to take possession of the Property without judicial process if this can be done without breach of the peace. If We ask, You promise to deliver the Property at a time and place We choose. If the Property is a motor vehicle or boat, You agree that We may obtain a key or other device necessary to unlock and operate it, when You are in default. We will not be responsible for any other property not covered by this Agreement that You leave inside the Property or that is attached to the Property. We will try to return that property to You or make it available for You to claim. After We have possession of the Property, We can sell it and apply the money to any amounts You owe Us. We will give You notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and selling the Property will be deducted from the money received from the sale. Those costs may include the cost of storing the Property, preparing it for sale and attorney’s fees to the extent permitted under state law or awarded under the Bankruptcy Code. If You have agreed to pay the Loan, You must pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Loan and to what You owe under this Agreement. You agree to pay interest on that amount at the same rate as the Loan until that amount has been paid. 10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. If We change the terms of the Loan, You agree that this Agreement will remain in effect. 11. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 12. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for You to fail to return a motor vehicle that is subject to a security interest, within thirty days after You have received notice of default. The notice will be mailed to the address You gave Us. It is Your responsibility to notify Us if Your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.00. 13. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 14. OTHER PROVISIONS - SIGNATURES By signing, or otherwise authenticating, as Borrower, You agree to the terms of the Loan Agreement. If Property is described in the "Security" section of the Truth in Lending Disclosure, You also agree to the terms of the Security Agreement. If You sign, or otherwise authenticate, as "Owner of Property" You agree only to the terms of the Security Agreement. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT Borrower 1 Signature Date DocuSigned by: X KALLE LEILANI KEENE 3/5/2024 (Seal) Borrower 2 Signature Date X (Seal) Signature Date X (Seal) Borrower 3: Owner of Property Witness Witness Borrower 4: Owner of Property Witness