Cornerstone Bank v. Trevor Landrum and Gertie Woolard

DISTRICT COURT OF DELAWARE COUNTY STATE OF OKLAHOMA CORNERSTONE BANK, Plaintiff, v. TREVOR LANDRUM AND GERTIE WOOLARD, Defendants. PETITION Plaintiff Cornerstone Bank alleges against the Defendants as follows: 1. Plaintiff Cornerstone Bank is a state banking association qualified to do business in the State of Oklahoma. 2. Defendants Trevor Landrum and Gertie Woolard are residents of the State of Oklahoma. 3. Plaintiff is the owner and holder of Note and Security Agreement No. 232656 ("the Loan Documents") executed on August 2, 2025 by Defendants. A copy of the Loan Documents is attached as Exhibit “1”. 4. The Security Agreement provided that Defendants granted a security interest in a 2014 Dodge Challenter, VIN2C3CDYBTXEH133363 (the “Collateral”). 5. Plaintiff perfected its security interest in the Collateral by filing its lien with the Cheyenne and Arapaho Tribes of Oklahoma. A copy of the lien filing is attached as Exhibit 2. 6. Defendants failed to make payments to Plaintiff as required by the terms of the Loan Document. Plaintiff made demand for payment of the indebtedness which remains unpaid. 7. As a result of the Defendants’ breach of their obligations to Plaintiff under the Loan Document, Plaintiff is entitled to judgment against the Defendants. 8. Plaintiff has a valid security interest in and to the Collateral, and is entitled to foreclose its security interest in and to the Collateral and thereafter to sell the Collateral in a commercially reasonable manner with the proceeds being applied first to any judgment rendered with any sum remaining thereafter being applied pursuant to further order of the Court. 9. NOTICE OF RIGHT TO DEBT VALIDATION. IN ACCORDANCE WITH THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC §1692(G), IF APPLICABLE, UNLESS THE ABOVE-NAMED PERSON OR ENTITY RESPONSIBLE FOR THE PAYMENT OF THE ABOVE-DESCRIBED DEBT, WITHIN THIRTY DAYS AFTER RECEIPT OF THIS NOTICE, DISPUTES THE VALIDITY OF THE DEBT, OR ANY PORTION THEREOF, THE DEBT WILL BE ASSUMED TO BE VALID. IF ANY SUCH PERSON OR ENTITY NOTIFIES THE UNDERSIGNED ATTORNEY FOR PLAINTIFF IN WRITING WITHIN THE THIRTY-DAY PERIOD THAT THE DEBT, OR ANY PORTION THEREOF, IS DISPUTED, THE ATTORNEY FOR PLAINTIFF WILL OBTAIN VERIFICATION OF THE DEBT AND A COPY OF SUCH VERIFICATION WILL BE MAILED TO THE REQUESTING PERSON OR ENTITY. FURTHERMORE, UPON WRITTEN REQUEST BY ANY SUCH PERSON OR ENTITY WITHIN THE THIRTY-DAY PERIOD, THE UNDERSIGNED ATTORNEY FOR PLAINTIFF WILL PROVIDE THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR. FEDERAL LAW REQUIRES US TO INFORM YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 10. Upon information and belief and in accordance with information obtained from the Department of Defense Manpower Data Center, the Defendants are not in the military service of the United States of America as provided by the Servicemembers Civil Relief Act (the “Act”); that the interests of the Defendants will not be prejudiced by a trial; that no bond should be required under the Act; and that Plaintiff should be permitted to proceed to trial against the Defendants. WHEREFORE, Plaintiff prays as follows: A. For judgment in personam and in rem against Defendants in the following amounts as of December 3, 2025: principal in the amount of $11,650.86 with accrued interest of $278.68 at the current Loan Documents rate of thirteen and one-quarter percent (13.25%) per annum, late charges of $46.42, and default interest for each day thereafter beginning December 4, 2025 until paid in full, plus costs and attorney’s fees; B. For the Security Agreement to be adjudged a valid lien upon the Collateral, superior to the interest of all Defendants, and of all persons claiming under them, that Plaintiff have judgment and decree of this Court in its favor, quieting the fee simple title in the Collateral in Plaintiff and/or its grantees of record, and/or their grantees of record; that the Defendants, have no right, title, and interest in the above described Collateral and that they should be enjoined from ever claiming or asserting any such interest; that if judgment be not paid, an Order of Sale issued commanding the Sheriff of Delaware County, Oklahoma to advertise and sell, as upon execution, the Collateral; that the Collateral be sold and the proceeds applied to the payment of, first, all costs; second, the Judgment of Plaintiff; third, the balance, if any remaining, be paid into this Court and that the Defendants, and each of them, and all persons claiming under them since the filing of this Petition be barred, restrained and enjoined from having or asserting any right, title, interest or rights of redemption in or against the Collateral; and that a writ of assistance issue; C. That the Court award a reasonable attorney's fee, costs of title review and abstracting, plus all sums advanced by the Plaintiff for taxes and insurance on the subject premises, dues, the costs of the action accrued and accruing and the cost of securing and preserving the property, the total of the sums due to bear interest at the applicable post-judgment rate as provided by law from date of judgment until paid; and D. For such other and further relief as the Court deems proper. Respectfully submitted, Randall G. Vaughan, OBA #11554 DAVIS & THOMPSON, PLLC Mail P.O. Box 487; Physical 314 S. Fifth Street Jay, Oklahoma 74346 Phone (918) 801-4454; Fax (918) 801-4493 [email protected] Attorneys for Cornerstone Bank Consumer Note, Security Agreement, and Truth-in-Lending Disclosures Lender The Cornerstone Bank 117 N. Main Southwest City, MO 64863 Borrower TREVOR LANDRUM GERTIE WOOLARD 65300 E 233 ROAD GROVE, OK 74344 Summary Loan Number: 232656 Note Date: August 2, 2025 Loan Amount: $12,200.00 Maturity Date: August 2, 2028 Federal Truth-in-Lending Disclosures <table> <tr> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>Amount Financed</th> <th>Total of Payments</th> </tr> <tr> <td>The cost of my credit as a yearly rate.</td> <td>The dollar amount the credit will cost me.</td> <td>The amount of credit provided to me or on my behalf.<br>$12,100.00</td> <td>The amount I will have paid after I have made all payments as scheduled.<br>$14,852.77</td> </tr> <tr> <td>13.835%</td> <td>$2,752.77</td> <td></td> <td></td> </tr> </table> My payment schedule will be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments Are Due</th> </tr> <tr> <td>35</td> <td>$412.58</td> <td>Monthly beginning September 2, 2025</td> </tr> <tr> <td>1</td> <td>$412.47</td> <td>August 2, 2028</td> </tr> </table> Demand Feature. This obligation has a demand feature. Security. I am giving a security interest in: Motor Vehicle (non-residence) Late Charge. If I make a payment more than 15 days after it is due, I agree to pay a late charge of 5.000 percent of the unpaid portion of the payment or $15.00, whichever is greater. However, this charge will not be greater than $50.00. Required Deposit. The Annual Percentage Rate does not take into account my required deposit. Prepayment. If I pay off early: • I will not have to pay a penalty. • I will not be entitled to a refund of part of the additional finance charge. Contract Documents. I can see my contract documents for any additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. Definitions "I", "me" or "my" means each Borrower or Cosigner who signs this Loan Agreement and each other person or legal entity (including guarantors, endorsers, and sureties) who agrees to pay this Loan Agreement (together referred to as "us"). "You" or "your" means the Lender and its successors and assigns. "Property" means all property securing this Loan Agreement. "Loan" means this transaction generally, including obligations and duties arising from the terms of all documents prepared or submitted for this transaction. "Loan Agreement" means this agreement, and any extensions, renewals, modifications, or substitutions of it. Promise to Pay For value received, I promise to pay to you, or your order, at your address listed above the PRINCIPAL sum of Twelve thousand two hundred and 00/100 dollars ($12,200.00) under the terms of this Loan Agreement. Single Advance. I will receive all of the loan amount on August 2, 2025. There will be no additional advances under this Loan Agreement. However, you may add other amounts to the principal if you make any payments described in the Payments Made On My Behalf subsection of the Remedies section below. Interest and Other Charges I agree to pay interest on the outstanding principal balance from August 2, 2025 at the rate of 13.250% per year until paid in full. Interest accrues on the principal remaining unpaid from time to time, until paid in full. The interest rate(s) and other charges on this Loan Agreement will never exceed the highest rate or charge allowed by law for this Loan Agreement. If you collect more interest than the law and this Loan Agreement allow, you agree to refund it to me. If you send any erroneous notice of interest, you agree to correct it. Accrual Method. The amount of interest that I will pay on this Loan Agreement will be calculated on a/an Actual/365 basis. For interest calculation, the accrual method will determine the number of days in a year. Post-Maturity Rate. After maturity or acceleration, interest on the unpaid balance of this Loan Agreement will accrue on the same basis as interest accrues prior to maturity. Late Charge. If I make a payment more than 15 days after it is due, I agree to pay a late charge of 5.000 percent of the unpaid portion of the payment or $15.00, whichever is greater. However, this charge will not be greater than $50.00. Additional Charges. In addition to interest, I agree to pay the following charges which are included in the principal amount above: Loan Origination: $100.00 I will not be entitled to a refund of any of the above fee(s) upon prepayment. Assumption This Loan Agreement and any other document securing it cannot be assumed by someone buying the secured Property from me. This will be true unless you agree in writing to the contrary. Without such an agreement, if I try to transfer any interest in the Property securing this Loan Agreement, I will be in default on this Loan Agreement. Payments I agree to pay this Loan Agreement in 36 monthly payments. A payment of $412.58 will be due on September 2, 2025 and on the same day of each month until August 2, 2028. On that date, I agree to pay in full the principal balance and all accrued interest on this Loan Agreement. Demand Feature. In addition I agree to pay this Loan Agreement on demand. Upon your demand the entire unpaid balance of principal and accrued interest, along with any earned, and unpaid fee or charges, and the amount of any advances made on my behalf, will be due and owing whether or not I am in default under this Loan Agreement. Rounding and Other Information. Payments will be rounded to the nearest $.01. With the final payment I also agree to pay any additional fees or charges owing and the amount of any advances you have made to others on my behalf. Any payment falling due on a holiday or a day that is a non-business day for you, will be due on your next business day. Payments scheduled to be paid on the 29th, 30th or 31st day of a month that contains no such day will, instead, be made on the last day of such month. Application of Payments. Except as otherwise provided in this Loan Agreement, each payment I make on this Loan Agreement will be applied first to interest that is due, then to principal that is due, then to late charges that are due, and finally to any charges that I owe other than principal and interest. No late charge will be assessed on any payment when the only delinquency is due to late fees assessed on earlier payments and the payment is otherwise a full payment. The actual amount of my final payment will also depend on my payment record. Prepayment. I may prepay this Loan Agreement in whole, or in part, at any time, without penalty. If I prepay in part, I must still make each later payment in the original amount as it becomes due until this Loan Agreement is paid in full. Security This Loan Agreement is secured by Property described in the Security Agreement section. Other Debts and Property. Property securing another debt will not secure this Loan Agreement if such property is my principal dwelling and you fail to provide any required notice of right of rescission (i.e., right to cancel). Also, property securing another debt will not secure this Loan Agreement to the extent such property is household goods. No present or future agreement securing any other debt I owe you will secure the payment of this Loan Agreement if, with respect to this Loan Agreement, you fail to fulfill any necessary requirements or conform to any limitations of Regulations Z and X that are required for loans secured by the Property or if, as a result, this Loan Agreement would become subject to Section 670 of the John Warner National Defense Authorization Act for Fiscal Year 2007. Security Agreement Secured Debts. This Security Agreement will secure all sums advanced by you under the terms of this Loan Agreement and the payment and performance of the following described "Secured Debts" that I owe to you: Specific Debts. The following debts and all extensions, renewals, refinancings, modifications and substitutions (describe): Security Interest. To secure the payment and performance of the Secured Debts, I give you a security interest in all of the Property described in this Security Agreement that I own or have sufficient rights in which to transfer an interest, now or in the future, wherever the Property is or will be located, and all proceeds and products from the Property. "Property" includes all parts, accessories, repairs, replacements, improvements, and accessions to the Property; any original evidence of title or ownership; and all obligations that support the payment or performance of the Property. "Proceeds" includes anything acquired upon the sale, lease, license, exchange, or other disposition of the Property; any rights and claims arising out of the Property; and any collections and distributions on account of the Property. This Security Agreement remains in effect until terminated in writing, even if the Secured Debts are paid and you are no longer obligated to advance funds to me (or Borrower, if not the same) under any loan or credit agreement. Property Description. The Property is all the collateral given to secure the Secured Debts and is described as follows: Motor Vehicle, Mobile Home, Sport Craft, or Trailer. A Motor Vehicle of Make: DODGE; Year: 2014; Model: CHALLENGER; VIN: 2C3CDYBTXEH133363. Name and Location. My name and address indicated on page 1 are my exact legal name and my principal residence. I will provide you with at least 30 days notice prior to changing my name or principal residence. Warranties and Representations. I have the power and authority to enter into this Security Agreement. The execution and delivery of this Security Agreement will not violate any agreement governing me or my property, or to which I am a party. I own all of the Property, unless otherwise agreed and disclosed to you in writing. Your claim to the Property is ahead of the claims of any other creditor, except as disclosed in writing to you prior to any advance on the Secured Debts. The Property has not been used for any purpose that would violate any laws or subject the Property to forfeiture or seizure. Duties Toward Property. I will protect the Property and your interest against any competing claim. Except as otherwise provided in the Loan Agreement, I will keep the Property in my possession at the address indicated on page 1 of the Loan Agreement. I will keep the Property in good repair and use it only for personal, family, or household purposes. I will not use the Property for a purpose that will violate any laws or subject the Property to forfeiture or seizure. I will immediately inform you of any loss or damage to the Property. You have the right of reasonable access to inspect the Property. I will keep books, records, and accounts about the Property and my assets in general, to which I will allow you reasonable access. I will pay all taxes and assessments levied or assessed against me or the Property. I will not sell, lease, license, or otherwise transfer or encumber the Property without your prior written consent. You do not authorize any sale or other disposition of the Property. Any sale or disposition you do not authorize will violate your rights. If I pledge the Property to you (deliver the Property into your, or your designated third party's, possession or control), I will, upon receipt, deliver any proceeds and products of the Property to you. I will provide you with any notices, documents, financial statements, reports, and other information relating to the Property I receive as the owner of the Property. Authority To Perform. I authorize you to do anything you deem reasonably necessary to protect the Property and your security interest in the Property. If I fail to perform any of my duties under this Security Agreement, you are authorized, after providing me with any required notice and opportunity to perform, to perform the duties or cause them to be performed and add the costs of performance to the Secured Debts. These authorizations include, but are not limited to, permission to pay for the repair, maintenance and preservation of the Property and taking any action to obtain or preserve the benefits and rights of the Property. Your authority to perform for me will not create an obligation to perform and your failure to perform will not preclude you from exercising any other rights under the law or this Security Agreement. If you come into actual or constructive possession of the Property, you will preserve and protect the Property to the extent required by law. Your duty of care with respect to the Property will be satisfied if you exercise reasonable care in the safekeeping of the Property or in the selection of a third party in possession of the Property. Power Of Attorney. I hereby irrevocably constitute and appoint you as my true and lawful attorney, with full power of substitution at my sole cost and expense but for your sole benefit, to endorse in your favor any of the Property; execute and deliver instruments of assignment and/or orders for withdrawal; cause the transfer of any of the Property in such name as you may, from time to time, determine; cause the issuance of certificates for book entry and/or uncertificated securities; provide notification in connection with book entry securities or general intangibles and/or provide instructions to the issuers of uncertificated securities or securities intermediaries, as necessary; to renew, extend or roll over any Property; and make demand and initiate actions to enforce any of the Secured Debts. You may take such action with respect to the Property as you may reasonably determine to be necessary to protect and preserve your interests in the Property. You shall also have and may exercise at any time all of my rights, remedies, powers, privileges and discretion with respect to and under the Property, provided, however, you shall have no right until a Default has occurred to exercise any voting rights available to me at any time the Property is held by you solely as pledgee hereunder. Except as limited above, all of my rights, remedies, powers, privileges and discretion included in this paragraph may be exercised by you whether or not any of the Secured Debts are then due and whether or not a Default has occurred. All powers conferred upon you by this Security Agreement, being coupled with an interest, shall be irrevocable until this Loan Agreement terminates in accordance with its terms, all Secured Debts are irrevocably paid in full and the Property is released. The power of attorney shall not be affected by my subsequent disability or incapacity. You shall not be liable for any act or omission to act pursuant to this paragraph except for any act or omission to act which is caused by your gross negligence or willful misconduct. Waivers. To the extent not prohibited by law, I waive: 1. All claims for damage caused by your acts or omissions where you acted reasonably and in good faith; 2. All rights I have now or in the future as a homestead or personal property exemption in the Property. Perfection of Security Interest. I authorize you to file a financing statement covering the Property. I agree to comply with, facilitate, and otherwise assist you in connection with obtaining possession of or control over the Property for purposes of perfecting your security interest under the Uniform Commercial Code. Insurance Property Insurance. I understand that I am free to insure my property with whatever licensed company, agent or broker I may choose; that I may do so at any time after the date of this Loan Agreement; that I have not cancelled any existing insurance on my property if I owned it before this Loan Agreement; and that this loan cannot be denied me simply because I did not purchase my insurance through you. I may obtain property insurance from anyone I want that is acceptable to you. I MAY NOT NEED TO PURCHASE CREDIT PROPERTY INSURANCE, AND I MAY HAVE OTHER INSURANCE WHICH YOU WILL ACCEPT WHICH COVERS THE PROPERTY SECURING THIS LOAN. I SHOULD EXAMINE ANY OTHER INSURANCE WHICH I HAVE IN ORDER TO DETERMINE IF THIS COVERAGE IS NECESSARY. I agree to keep the Property described in the Security Agreement insured against the risks reasonably associated with the Property until the Property is released from the Security Agreement. I may provide the required insurance through an existing policy of insurance that I own or control, or through a policy that I buy. I have free choice in the selection of insurance company, subject to applicable law. I will maintain this insurance in the amounts you require and have the insurance company name you as loss payee on any insurance policy. I will give you and the insurance company immediate notice of any loss. You may apply the insurance proceeds toward what is owed on the Secured Debts. If the insurance proceeds do not cover the amounts I owe you, I will pay the difference. You may require additional security as a condition of permitting any insurance proceeds to be used to repair or replace the Property. If you acquire the Property in damaged condition, my rights to any insurance policies and proceeds will pass to you to the extent of the Secured Debts. I will immediately notify you of cancellation or termination of insurance. I am required to maintain insurance on the Property described in the Security Agreement to protect your interest. If I fail to maintain the required insurance, or fail to provide you with evidence of insurance, I understand and agree that: 1. you may (but are not required to) place insurance on the Property to protect your interest, which will not cover my equity in the Property; 2. the insurance you provide may be written by a company other than one I would choose and may be written at a higher rate than I could obtain if I purchased the insurance; and 3. I will pay for the costs of any Property insurance you provide. Default To the extent permitted by law, the Loan will be in default if any of the following events occur: 1. Payments. I fail to make a payment in full when due, subject to any required grace period. 2. Significant Impairment. The prospect of payment, performance, or realization of the Property (if any) is significantly impaired. Remedies After I default, and after you give any legally required notice and opportunity to cure the default, you may at your option do any one or more of the following to the extent permitted by law. 1. Acceleration. You may make all or any part of the amount I owe under the terms of the Loan immediately due at the highest contract interest rate. 2. Payments Made On My Behalf. Amounts advanced on my behalf, and payments made by you on my behalf (for charges I am obligated to pay), will be immediately due and added to the balance owed under the terms of the Loan and accrue interest at the highest post-maturity interest rate. 3. Insurance Benefits. You may make a claim for any and all insurance benefits or refunds that may be available on my default. 4. Additional Security. You may demand security, additional security, or additional parties to be obligated to pay the debt I owe as a condition for not using any other remedy. 5. Available Remedies. You may use any and all available remedies allowed under state or federal law. You may use any and all remedies available under any document executed as part of or in connection with the Loan. 6. Attachment. You may attach or garnish my wages or earnings. 7. Setoff. You may setoff any amount due and payable under the terms of the Loan against any right I have to receive money from you. My right to receive money from you includes any deposit account balance I have with you; any money owed to me on an item presented to you or in your possession for collection or exchange; and any repurchase agreement or other non-deposit obligation. *Any amounts due and payable under the terms of the Loan* means the total amount to which you are entitled to demand payment under the terms of the Loan at the time you setoff. Subject to any other written contract, if my right to receive money from you is also owned by someone who has not agreed to pay the Loan, your right of setoff will apply to my interest in the obligation and to any other amounts I could withdraw on my sole request or endorsement. Your right to setoff does not apply to an account or other obligation where my rights arise only in a representative capacity. It also does not apply to any Individual Retirement Account or other tax-deferred retirement account. You will not be liable for the dishonor of any check when the dishonor occurs because you setoff against any of my accounts. I agree to hold you harmless from any such claims arising as a result of your exercise of your right of setoff. 8. Collection and Enforcement Expenses. On or after default, I agree to pay all reasonable costs of collection or enforcement of the debt owed on the Loan, including any reasonable legal expenses, court costs, and attorney fees. I also agree to pay all reasonable costs of protection of your rights and remedies under the Loan. You may keep and sell or otherwise dispose of the Property to satisfy the debt owed on the Loan. Following any required explanation of deficiency, I will be liable for the deficiency if what you receive from the sale or other disposition of the Property does not satisfy the debt owed on the Loan. By choosing any one or more of these remedies you do not give up your right to use any other remedy. You do not waive a default if you choose not to use a remedy. By electing not to use any remedy, you do not waive your right to later consider the event a default and to use any remedies if the default continues or occurs again. General Terms This Loan Agreement is governed by the law of the state of Missouri, the United States of America, and to the extent required: - By the laws of another jurisdiction if required by the Uniform Commercial Code in effect in Missouri. - By the laws of the jurisdiction where the Property is located. Any state law that is preempted by federal law will not apply to this Loan Agreement to the extent it is preempted by federal law. If Other Persons Owe on the Loan. I understand that I must pay this Loan Agreement even if someone else has also agreed to pay it (by, for example, signing this form or a separate guarantee or endorsement). You may sue me alone, or anyone else who is obligated on this Loan Agreement, or any number of us together, to collect this Loan Agreement. You may do so without any notice that it has not been paid (notice of dishonor). You may, without notice, release any party to this Loan Agreement without releasing any other party. If you give up any of your rights, with or without notice, it will not affect my duty to pay this Loan Agreement. Any extension of new credit to any of us, or renewal of this Loan Agreement by all or less than all of us will not release me from my duty to pay it. (Of course, you are entitled to only one payment in full.) Extending the Loan Agreement; Assigning my Obligation. I agree that you may at your option extend this Loan Agreement or the debt represented by this Loan Agreement, or any portion of the Loan Agreement or debt, from time to time without limit or notice and for any term without affecting my liability for payment of the Loan Agreement. I will not assign my obligation under this Loan Agreement without your prior written approval. Giving Up My Rights. To the extent not prohibited by law, and except for any required notice or right to cure, I give up my rights to require you to: 1. Demand payment of amounts due (presentment); 2. Obtain official certification of nonpayment (protest); 3. Give notice that amounts due have not been paid (notice of dishonor). I give up any rights that a guarantor would have to avoid paying the Loan Agreement (unless it has been fully paid). I also give up any rights to avoid paying based on any action you have taken regarding any mortgage or other collateral for the Loan Agreement. I give up any rights under this Loan Agreement only if the law allows me to. Financial Information. I will give you any financial statements or information that you feel is necessary. All financial statements and information I give you will be correct and complete. Purpose. The purpose of this Loan Agreement is PURCHASE VEHICLE. Itemization of Amount Financed Note Amount $12,200.00 Amount given to me directly: $0.00 Amount paid on my account: $0.00 Prepaid finance charge paid to Lender Loan Origination $100.00 Total prepaid finance charge amount paid to Lender $100.00 Amount paid to others on my behalf: Loan Proceeds, AZ AUTO SALES LLC $12,100.00 (less) Prepaid Finance Charge(s) $100.00 Amount Financed $12,100.00 * Lender may retain or receive portions of these amounts. Notice and Additional Documents Unless otherwise required by law, any notice will be given by delivering it or mailing it by first class mail to the appropriate party's address listed on the first page of this Loan Agreement, or to any other address designated in writing. Notice to one Borrower will be deemed to be notice to all Borrowers. I will inform you in writing of any change in my name, address, or other application information. I will provide you any other, correct and complete information you request to effectively grant a security interest in the property. I agree to sign, deliver, and file any additional documents or certifications that you may consider necessary to perfect, continue, and preserve my obligations under this Loan Agreement and to confirm your lien status on any Property. Time is of the essence. Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect you (Borrower) and us (Secured Party) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, except as we may later agree in writing to modify it. Signatures By signing, I agree to the terms contained in this Loan Agreement. I also acknowledge receipt of a copy of this Loan Agreement on today's date. Borrower TREVOR LANDRUM Date 08/02/2025 GERTIE WOOLARD Date 08/02/2025 CERTIFICATE OF TITLE EXHIBIT 2 CHEYENNE AND ARAPAHO TRIBES OF OKLAHOMA C-A TAX COMMISSION MOTOR VEHICLE DIVISION VEHICLE IDENTIFICATION NO. YEAR MAKE TITLE NO. 2C3CDYBTXEH133363 2014 DODGE TT37963 BODY TYPE MODEL F.D. PRICE ISSUE DATE Coupe Challenger $30,495.00 10/14/2025 ODOOMETER TYPE OF TITLE 127364 Transfer [Star Stamps] [Star Stamps] 10/14/2025 The Cornerstone Bank 117 N Main Southwest City, MO 64863 NAME AND ADDRESS OF VEHICLE OWNER(S) Landrum, Trevor & Woodard, Gerde 409 HOLBROOK CIR EL RENO, OK 73036 PREVIOUS TAG NO. PREVIOUS TITLE NO. PREVIOUS TITLE JURISDICTION 761014652283 Ar CONTROL NO 43837 (This is not a title number) I hereby certify that according to the records of the Tax Commission of the Cheyenne-Arapaho Tribes of Oklahoma, the person named above is the owner of the vehicle described above. No certification is made that lien information contained herein is accurate or correct. By [Signature] Cheyenne-Arapaho Tax Commission KEEP IN A SAFE PLACE VOID IF ALTERED