TROY CAPITAL, LLC v. LESLYE TAYLOR

IN THE DISTRICT COURT OF WASHINGTON COUNTY, STATE OF OKLAHOMA TROY CAPITAL, LLC Plaintiff(s), Vs. LESLYE TAYLOR Defendant(s) ) ) ) Cause No._ CS-24-172 ) ) ) Division No.__ 11th Judicial District Court PETITION Comes now the Plaintiff and for its cause of action against the Defendant, states: 1. That the Plaintiff is duly and legally organized and is authorized to transact business in the state of Oklahoma and is authorized to bring this action. 2. That the Defendant is a resident of Washington County, Oklahoma. 3. Jurisdiction and venue are proper in this Court. 4. That Defendant purchased certain items with extensions of credit obtained on his/her account. 5. That the amount past due on said account, which has not been paid, and has been owed for a period of time, is as follows, principal amount, $8,636.36, plus pre-judgment interests as set out in Plaintiff's Affidavit which is attached hereto and incorporated herein by reference. The defendant breached the terms of the agreement attached hereto as Exhibit “A.” 6. That demand has been made for the payment of same, yet the balance remains unpaid. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the amount of $8,636.36, with interest at the statutory rate from the date of judgment until paid, and costs of the action. Plaintiff further requests an order directing the Oklahoma Employment Security Commission to produce employment information of the judgment debtor(s) pursuant to 40 O.S. § 4-508(D). Withrow & Brunson, PLLC P.O. Box 17248 Little Rock, AR 72222 (501) 227-2000 [email protected] Lori Withrow (OK Bar #34582) STATE OF Nevada ) COUNTY OF Clark ) ss. LESLYE TAYLOR 252249 $8,636.36 AFFIDAVIT OF ACCOUNT Before me, the undersigned authority, personally appeared Katrina Fellus, who, being by me duly sworn, depose as follows: 1. My full name is Vahine Fellus. 2. I am an authorized agent of TROY CAPITAL, LLC, and I or a person under my supervision has access to the records concerning the account of LESLYE TAYLOR, the Defendant. I am familiar with the books and records of TROY CAPITAL, LLC and with the Defendant's account. 3. I hereby aver that this claim is true and correct to the best of my knowledge, information and belief, and is due by the Defendant to the Plaintiff and that all just and lawful offsets, payments and credits to this account have been allowed. 4. These records show that a total balance of $8,636.36, including interest accrued at the rate of 0% after charge off unless and until pre-judgment or post judgment interest is awarded by the court, in accordance with the terms and conditions of the agreement, is due and payable by Defendant to Plaintiff, assignee of Santander Consumer USA, Inc.. Further Affiant sayeth not. Katrina Fellus AFFIANT SUBSCRIBED AND SWORN to before me this 20th day of October, 2025. M. Knight Notary Public My Commission Expires: 5/30/27 EXHIBIT A RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) LESLYE TAYLOR 122 SW 4TH ST CLAY CITY, IL 62824 WASHINGTON Cell: (251)597-6431 Email: [email protected] Co-Buyer Name and Address (Including County and Zip Code) N/A Cell: N/A Email: N/A Seller-Creditor (Name and Address) BARTLESVILLE CHRYSLER DODGE JEEP RAM 3250 Se Washington Blvd Bartlesville, OK 74006 You, the Buyer (and Co-Buyer, if any), may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes “we” or “us” in this contract) the Amount Financed and Finance Charge in U.S. funds according to the payment schedule below. We will figure your finance charge on a daily basis. The Truth-In-Lending Disclosures below are part of this contract. <table> <tr> <th>New/Used</th> <th>Year</th> <th>Make and Model</th> <th>Odometer</th> <th>Vehicle Identification Number</th> <th>Primary Use For Which Purchased</th> </tr> <tr> <td>USED</td> <td>2018</td> <td>TOYOTA C-HR</td> <td>63,955</td> <td>JTNKHMBX1J1004777</td> <td>Personal, family, or household unless otherwise indicated below<br>☐ business<br>☐ agricultural ☐ N/A</td> </tr> </table> FEDERAL TRUTH-IN-LENDING DISCLOSURES <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th> <th>Total of Payments<br>The amount you will have paid after you have made all payments as scheduled.</th> <th>Total Sale Price<br>The total cost of your purchase on credit, including your down payment of $0.00 is</th> </tr> <tr> <td>21.00 %</td> <td>$19,948.48</td> <td>$25,506.00</td> <td>$45,456.48</td> <td>$45,456.48</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>$631.34</td> <td>MONTHLY beginning 11/26/2022</td> </tr> <tr> <td>N/A</td> <td>$N/A</td> <td>N/A</td> </tr> <tr> <td colspan="3">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 $25.00 or 5% of the part of the payment that is late, whichever is greater. Prepayment. If you pay early, you will not have to pay a penalty. Security Interest. You are giving a security interest in the vehicle being purchased. Additional Information: See this contract for more information including information about nonpayment, default, any required repayment in full before the scheduled date and security interest. Used Car Buyers Guide. The information you see on the window form for this vehicle is part of this contract. Information on the window form overrides any contrary provisions in the contract of sale. Spanish Translation: Guía para compradores de vehículos usados. La información que ve en el formulario de la ventana para este vehículo forma parte del presente contrato. La información del formulario de la ventana deja sin efecto toda disposición en contrario contenida en el contrato de venta. 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. VENDOR’S SINGLE INTEREST INSURANCE (VSI insurance): If the preceding box is checked, the Creditor requires VSI insurance for the initial term of the contract to protect the Creditor for loss or damage to the vehicle (collision, fire, theft, concealment, skip). VSI insurance is for the Creditor’s sole protection. This insurance does not protect your interest in the vehicle. You may choose the insurance company through which the VSI insurance is obtained. If you elect to purchase VSI insurance through the Creditor, the cost of this insurance is N/A and is also shown in Item 4B of the Itemization of Amount Financed. The coverage is for the initial term of the contract. Agreement to Arbitrate: By signing below, you agree that, pursuant to the Arbitration Provision on page 5 of this contract, you or we may elect to resolve any dispute by neutral, binding arbitration and not by a court action. See the Arbitration Provision for additional information concerning the agreement to arbitrate. Buyer Signs X ____________________________ Co-Buyer Signs X ____________________________ -ITEMIZATION OF AMOUNT FINANCED- 1 Cash Price (including $_________ sales/excise tax) $21,000.00 (1) 2 Total Downpayment = Trade-In 2016 CHEVROLET MALIBU (Year) (Make) (Model) Gross Trade-In Allowance $ 15,700.00 Less Pay Off Made By Seller to ALLY FINACIAL $ 18,700.00 Equals Net Trade In $ -3,000.00 + Cash $ 2,000.00 + Other N/A $ N/A + Other N/A $ N/A + Other N/A $ N/A (If total downpayment is negative, enter "0" and see 4l below) $ 0.00 (2) 3 Unpaid Balance of Cash Price (1 minus 2) $21,000.00 (3) 4 Other Charges including Amounts Paid to Others on Your Behalf (Seller may keep part of these amounts): A Cost of Optional Credit Insurance Paid to Insurance Company or Companies: Life $ N/A Disability $ N/A B Vendor's Single Interest Insurance Paid to Insurance Company $___________ C Other Optional Insurance Paid to Insurance Company or Companies $ N/A D Optional Gap Contract $ N/A E Official Fees Paid to Government Agencies to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A F Government Taxes Not Included in Cash Price $ N/A G Government License and/or Registration Fees N/A $ N/A H Government Certificate of Title Fees $ 10.00 I Other Charges (Seller must identify who is paid and describe purpose.) to ALLY FINACIAL for Prior Credit or Lease Balance $ 1,000.00 to BARTLESVILLE CHRYSLER for DOC FEE $ 498.00 to WWK SERVICE CONTRACT for SERVICE CONTRACT $ 3,000.00 to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A Total Other Charges and Amounts Paid to Others on Your Behalf $ 4,508.00 (4) 5 Amount Financed (3 + 4) $25,508.00 (5) OPTION: □ You pay no finance charge if the Amount Financed, item 5, is paid in full on or before N/A , Year N/A . SELLER'S INITIALS N/A OPTIONAL GAP CONTRACT: A gap contract (debt cancellation contract) is not required to obtain credit and will not be provided unless you sign below and agree to pay the extra charge. If you choose to buy a gap contract, the charge is shown in Item 4D of the Itemization of Amount Financed. See your gap contract for details on the terms and conditions it provides. It is a part of this contract. Term N/A Mo. Name of Gap Contract N/A I want to buy a gap contract. 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. INSURANCE. You may buy the physical damage insurance this contract requires from anyone you choose who is acceptable to us. You may also provide the physical damage insurance through an existing policy owned or controlled by you that is acceptable to us. You are not required to buy any other insurance to obtain credit unless the box indicating Vendor's Single Interest Insurance is checked on page 1 of this contract. If any insurance is checked below, policies or certificates from the named insurance companies will describe the terms and conditions. Check the insurance you want and sign below: Optional Credit Insurance □ Credit Life: □ Buyer □ Co-Buyer □ Both □ Credit Disability: □ Buyer □ Co-Buyer □ Both Premium: Credit Life $_________ N/A Credit Disability $_________ N/A Insurance Company Name ____________ N/A Home Office Address ________ N/A Credit life insurance and credit disability insurance are not required to obtain credit. Your decision to buy or not buy credit life insurance and credit disability insurance will not be a factor in the credit approval process. They will not be provided unless you sign and agree to pay the extra cost. If you choose this insurance, the cost is shown in Item 4A of the Itemization of Amount Financed. Credit life insurance is based on your original payment schedule. This insurance may not pay all you owe on this contract if you make late payments. Credit disability insurance does not cover any increase in your payment or in the number of payments. Coverage for credit life insurance and credit disability insurance ends on the original due date for the last payment unless a different term for the insurance is shown below. Other Optional Insurance □ ________ Type of Insurance N/A Premium $_________ N/A Insurance Company Name ____________ N/A Home Office Address ________ N/A □ ________ Type of Insurance N/A 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. X ________ N/A Buyer Signature Date X ________ 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. Law 553-OK-ARB-eps 8/22 v1 Page 2 of 5 OTHER IMPORTANT AGREEMENTS 1. FINANCE CHARGE AND PAYMENTS a. How we will figure Finance Charge. We will figure the Finance Charge on a daily basis at the Annual Percentage Rate on the unpaid part of the Amount Financed. b. How we will apply payments. We may apply each payment to the earned and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to other amounts you owe under this contract in any order we choose as the law allows. c. How late payments or early payments change what you must pay. We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this contract on the assumption that you will make every payment on the day it is due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. d. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. e. Your right to refinance a balloon payment. A balloon payment is a scheduled payment that is more than twice as large as the average of your earlier scheduled payments. If you are buying the vehicle primarily for personal, family or household use, you have the right to refinance the balloon payment when due without penalty. The terms of the refinancing will be no less favorable to you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. 2. YOUR OTHER PROMISES TO US a. If the vehicle is damaged, destroyed, or missing. You agree to pay us all you owe under this contract even if the vehicle is damaged, destroyed, or missing. b. Using the vehicle. You agree not to remove the vehicle from the U.S. or Canada, or to sell, rent, lease, or transfer any interest in the vehicle or this contract without our written permission. You agree not to expose the vehicle to misuse, seizure, confiscation, or involuntary transfer. If we pay any repair bills, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask for it. c. Security Interest. You give us a security interest in: • The vehicle and all parts or goods put on it; • All money or goods received (proceeds) for the vehicle; • All insurance, maintenance, service, or other contracts we finance for you; and • All proceeds from insurance, maintenance, service, or other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contract. It also secures your other agreements in this contract. You will make sure the title shows our security interest (lien) in the vehicle. You will not allow any other security interest to be placed on the title without our written permission. d. Insurance you must have on the vehicle. You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. You agree to name us on your insurance policy as loss payee. If you do not have this insurance, we may, if we choose, buy physical damage insurance. If we decide to buy physical damage insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. If we buy either type of insurance, we will tell you which type and the charge you must pay. The charge will be the premium for the insurance and a finance charge computed at the Annual Percentage Rate shown on page 1 of this contract. If the vehicle is lost or damaged, you agree that we may use any insurance settlement to reduce what you owe or repair the vehicle. e. What happens to returned insurance, maintenance, service, or other contract charges. If we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you owe. 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES a. You may owe late charges. You will pay a late charge on each late payment as shown on page 1 of this contract. Acceptance of a late payment does not excuse your late payment or mean that you may keep making late payments. If you pay late, we may also take the steps described below. b. You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all you owe on this contract at once. Default means: • You do not pay any payment on time; • You give false, incomplete, or misleading information during credit application; • You start a proceeding in bankruptcy or one is started against you or your property; or • You break any agreements in this contract. The amount you will owe will be the unpaid part of the Amount Financed plus the earned and unpaid part of the Finance Charge, any late charges, and any amounts due because you defaulted. c. You may have to pay collection costs. If we hire an attorney who is not our salaried employee to collect what you owe, you will pay the attorney’s fee and court costs the law permits. The maximum attorney’s fee you will pay will be 15% of the amount you owe, unless a court awards an additional amount. d. We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and if the law allows it. If your vehicle has an electronic tracking device (such as GPS), you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you. If you do not ask for these items back, we may dispose of them as the law allows. e. How you can get the vehicle back if we take it. If we repossess the vehicle, you may pay to get it back (redeem). We will tell you how much to pay to redeem. Your right to redeem ends when we sell the vehicle. f. We will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. We will apply the money from the sale, less allowed expenses, to the amount you owe. Allowed expenses are expenses we pay as a direct result of taking the vehicle, holding it, preparing it for sale, and selling it. Attorney fees and court costs, if the law permits, are also allowed expenses. If any money is left (surplus), we will pay it to you unless the law requires us to pay it to someone else. If money from the sale is not enough to pay the amount you owe, you must pay the rest to us unless the law provides otherwise. If you do not pay this amount when we ask, we may charge you interest at a rate not exceeding the highest lawful rate until you pay. g. What we may do about optional insurance, maintenance, service, or other contracts. This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is confiscated, damaged, or stolen, we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe. 4. SERVICING AND COLLECTION CONTACTS In consideration of our extension of credit to you, you agree to provide us your contact information for our servicing and collection purposes. You agree that we may use this information to contact you in writing, by e-mail, or using prerecorded/artificial voice messages, text messages, and automatic telephone dialing systems, as the law allows. You also agree that we may try to contact you in these and other ways at any address or telephone number you provide us, even if the telephone number is a cell phone number or the contact results in a charge to you. You agree to allow our agents and service providers to contact you as agreed above. You agree that you will, within a reasonable time, notify us of any change in your contact information. 5. APPLICABLE LAW Federal law and the law of the state of Oklahoma apply to this contract. 6. NEGATIVE CREDIT REPORT NOTICE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 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 THEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREBY UNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND US DECIDED BY ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. 2. IF A DISPUTE IS ARBITRATED, YOU WILL GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. 3. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Any claim or dispute, whether in contract, tort, statute or otherwise (including the interpretation and scope of this Arbitration Provision, any allegation of waiver of rights under this Arbitration Provision, and the arbitrability of the claim or dispute), between you and us or our employees, agents, successors or assigns, which arises out of or relates to your credit application, purchase or condition of this Vehicle, this contract or any resulting transaction or relationship (including any such relationship with third parties who do not sign this contract) shall, at your or our election, be resolved by neutral, binding arbitration and not by a court action. If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. Any claim or dispute is to be arbitrated by a single arbitrator only on an individual basis and not as a plaintiff in a collective or representative action, or a class representative or member of a class on any class claim. The arbitrator may not preside over a consolidated, representative, class, collective, injunctive, or private attorney general action. You expressly waive any right you may have to arbitrate a consolidated, representative, class, collective, injunctive, or private attorney general action. You or we may choose the American Arbitration Association (www.adr.org) or National Arbitration and Mediation (www.namadr.com) as the arbitration organization to conduct the arbitration. If you and we agree, you or we may choose a different arbitration organization. You may get a copy of the rules of an arbitration organization by contacting the organization or visiting its website. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. The arbitrator shall apply governing substantive law and the applicable statute of limitations. The arbitration hearing shall be conducted in the federal district in which you reside unless the Seller-Creditor is a party to the claim or dispute, in which case the hearing will be held in the federal district where this transaction was originated. We will pay the filing, administration, service, or case management fee and the arbitrator or hearing fee up to a maximum of $5,000, unless the law or the rules of the chosen arbitration organization require us to pay more. You and we will pay the filing, administration, service, or case management fee and the arbitrator or hearing fee over $5,000 in accordance with the rules and procedures of the chosen arbitration organization. The amount we pay may be reimbursed in whole or in part by decision of the arbitrator if the arbitrator finds that any of your claims is frivolous under applicable law. Each party shall be responsible for its own attorney, expert and other fees, unless awarded by the arbitrator under applicable law. If the chosen arbitration organization's rules conflict with this Arbitration Provision, then the provisions of this Arbitration Provision shall control. Any arbitration under this Arbitration Provision shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) and not by any state law concerning arbitration. Any award by the arbitrator shall be in writing and will be final and binding on all parties, subject to any limited right to appeal under the Federal Arbitration Act. You and we retain the right to seek remedies in small claims court for disputes or claims within that court's jurisdiction, unless such action is transferred, removed or appealed to a different court. Neither you nor we waive the right to arbitrate any related or unrelated claims by filing any action in small claims court, or by using self-help remedies, such as repossession; or by filing an action to recover the vehicle, to recover a deficiency balance, or for individual or statutory public injunctive relief. Any court having jurisdiction may enter judgment on the arbitrator's award. This Arbitration Provision shall survive any termination, payoff or transfer of this contract. If any part of this Arbitration Provision, other than waivers of class rights, is deemed or found to be unenforceable for any reason, the remainder shall remain enforceable. You agree that you expressly waive any right you may have for a claim or dispute to be resolved on a class basis in court or in arbitration. If a court or arbitrator finds that this class arbitration waiver is unenforceable for any reason with respect to a claim or dispute in which class allegations have been made, the rest of this Arbitration Provision shall also be unenforceable. The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge. HOW THIS CONTRACT CAN BE CHANGED. This contract contains the entire agreement between you and us relating to this contract. Any change to this contract must be in writing and we must sign it. No oral changes are binding. Buyer Signs X 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 Date 10/12/2022 Co-Buyer Signs X N/A Date N/A Buyer Printed Name LESLYE TAYLOR Co-Buyer Printed Name 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 Address N/A Seller signs BARTLESVILLE CHRYSLER DODGE JEEP RA Date 10/12/2022 By X Title F&I MNGR Seller assigns its interest in this contract to CHRYSLER CAPITAL (Assignee) under the terms of Seller's agreement(s) with Assignee. ☐ Assigned with recourse ☐ Assigned without recourse ☐ Assigned with limited recourse Seller BARTLESVILLE CHRYSLER DODGE JEEP RAM By X Title FINANCE MANAGER Explanation of Calculation of Surplus or Deficiency Date: 03/10/2024 LESLYE TAYLOR 122 SW 4TH ST CLAY CITY, IL 62824-0000 Re: ____________________________ Retail Installment Sale or Credit Sale Contract dated 10/12/2022 ("Agreement") 2018 // TOYOTA // C-HR // VIN JTNKHMBX1J1004777 ("Vehicle") Dear LESLYE TAYLOR: Please be advised that we disposed of the Vehicle on 02/20/2024. The proceeds of the sale have been applied as explained below. If you purchased a cancellable ancillary product(s) in connection with the purchase of your Vehicle, you may be entitled to a refund of unearned premiums. Cancellable ancillary products include, but are not limited to, credit insurance, GAP waiver, and vehicle service contracts. Please review your original loan documentation to determine if you have any of these products. We will contact the administrator or original seller on your behalf to request any unearned premiums and will credit your deficiency balance with any refunds received. Any refunds already received for your cancellable ancillary product(s) are reflected below. Please contact the administrator or original seller if you have questions about ancillary product refund amounts. 1. Aggregate unpaid balance of Agreement as of 03/10/2024 $25,137.92 2. Rebate of unearned finance charges as of 03/10/2024, if any - $0.00 3. Accrued and unpaid late fees + $186.57 4. Net balance due (1 minus 2 plus 3) = $25,324.49 5. Gross proceeds from the sale of the Vehicle - $13,700.00 6. Subtotal after deducting proceeds of sale (4 minus 5) = $11,624.49 7. Costs of retaking the Vehicle $570.00 8. Costs of storing the Vehicle + $0.00 9. Costs of preparing the Vehicle for sale + $0.00 10. Costs of selling the Vehicle + $281.00 11. Attorneys' fees and court costs + $0.00 12. Other costs: + $0.00 13. Total Costs (7 through 12) = $851.00 14. Credit: Rebate of unearned insurance premiums $0.00 SEE IMPORTANT CONSUMER NOTICES AT END OF LETTER 15. Credit: + $0.00 16. Credit: + $0.00 17. Total Credits (14 through 16) = $0.00 18. Balance due/surplus after sale (6 plus or minus 13, plus or minus 17) = $12,475.49 (The checked box applies to you). ☑️ Deficiency balance for which you are liable and for which demand* is hereby made $12,475.49. ** ☐ Surplus balance to be remitted to you $0.00. ** ☐ Surplus balance paid to a subordinate party $0.00.** **Future debits, credits, charges, finance charges or interest, rebates or other expenses may affect this amount. If you need more information about the transaction, contact us: Chrysler Capital, P.O. Box 961275, Fort Worth, TX 76161-1275, (855) 563-5635. Sincerely, Chrysler Capital Sent Via Certified Mail™ January 18, 2024 LESLEYE TAYLOR 122 SW 4TH ST CLAY CITY, IL 628240000 NOTICE OF RIGHT TO REINSTATE, NOTICE OF RIGHT TO REDEEM, AND NOTICE OF OUR PLAN TO SELL PROPERTY Account Number: Contract Dated ("agreement"): 10/12/2022 Description of Collateral ("collateral"): <table> <tr> <th>Year: 2018</th> <th>Make: TOYOTA</th> <th>Model: C-HR</th> <th>VIN: JTNKHMBX1J1004777</th> </tr> </table> Dear LESLYE TAYLOR: This is formal notice that we repossessed your vehicle on 01/17/2024 because of your failure to make payments as required in our agreement. We will sell the vehicle after the expiration of twenty one (21) days from the date of mailing of this notice. We will sell the collateral at a private sale sometime after 02/13/2024. A sale could include a lease or license. The money we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. RIGHT TO REINSTATE If you have paid an amount equal to 30% or more of the deferred payment price or total of payments due at the time of repossession, you have the right to reinstate the agreement and recover the vehicle until we sell the vehicle on 02/13/2024. Reinstating the agreement allows you to continue performing under the agreement as if you had not defaulted. To reinstate the agreement, you must pay us the total of all past due payments, any unpaid late charges, and all reasonable costs and fees incurred by us in the repossession, storage, and preparation for the sale of the collateral. To learn the exact amount you must pay, please call us at (855) 563-5635. If you reinstate the agreement but later default on your payments, we may exercise our rights under the law without sending you another notice like this one. RIGHT TO REDEEM You can get the collateral back ("redeem" the collateral) at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To find out the exact amount you must pay to redeem the collateral, call us at (855) 563-5635. If you want us to explain to you in writing how we have figured the amount that you owe us, you may call us at (855) 563-5635 or write us at P.O. Box 961275, Fort Worth, TX 76161-1275 and request a written explanation. We will charge you $0.00 for the explanation if we sent you another written explanation of the amount you owe us within the last six (6) months. SEE IMPORTANT CONSUMER NOTICES AT END OF LETTER If you need more information about the sale, call us at (855) 563-5635, Monday through Friday 7:00 AM to 7:00 PM Central Time, or write us at P.O. Box 961275, Fort Worth, TX 76161-1275. We are sending this notice to the following other people who have an interest in the collateral or who owe money under your agreement: You are receiving this notice due to the legal requirements of the state where you originally signed the agreement and/or the state where you currently reside. Sincerely, Chrysler Capital P.O. Box 961275 Fort Worth, TX 76161-1275 (855) 563-5635 ©2024 Santander Consumer USA Inc. All rights reserved. Chrysler Capital is a registered trademark of FCA US LLC and licensed to Santander Consumer USA Inc. All other trademarks are the property of their respective owners. IMPORTANT CONSUMER NOTICES: If you are entitled to the protections of the United States Bankruptcy Code regarding the subject matter of this letter, this communication is not an attempt to collect a debt from you personally in violation of the bankruptcy code but is for informational purposes only. CHRYSLER CAPITAL IS A DEBT COLLECTOR, THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Chrysler Capital can report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. Attention Servicemembers and Dependents: The Federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including prohibiting repossession under most circumstances during the servicemember's active duty service. Chrysler Capital will not repossess the property of a service member or his or her dependent during that time, unless pursuant either to a court order or a servicemember's written waiver. You can contact us toll-free at (855) 563-5635 if you have questions about your rights under SCRA. Products and company names mentioned herein may be the trademarks of their respective owners. 01/18/2024 AFFIDAVIT OF DEFENSE Lienholder: Chrysler Capital P.O. Box 961275 Fort Worth, TX 76161-1275 (855) 563-5635 Account Number: XXXXXXX3562 Contract Dated ("agreement"): 10/12/2022 Description of Collateral ("collateral"): <table> <tr> <th>Year:</th> <th>Make:</th> <th>Model:</th> <th>VIN:</th> </tr> <tr> <td>2018</td> <td>TOYOTA</td> <td>C-HR</td> <td>JTNKHMBX1J1004777</td> </tr> </table> Vehicle Owner: LESLYE TAYLOR 122 SW 4TH ST CLAY CITY, IL 628240000 I, ________________________________ [Print Buyer’s Name], hereby swear that I have a bona fide defense to the application of Chrysler Capital for the transfer of title and issuance of a new Certificate of Title to the above referenced vehicle, which was repossessed from me on: 01/17/2024 The defense I claim is as follows: _____________________________________________________________________________________ _____________________________________________________________________________________ _____________________________________________________________________________________ I acknowledge that if my defense is insufficient or invalid, I may be liable to Chrysler Capital for fees, charges and costs incurred by Chrysler Capital in establishing the insufficiency or invalidity of my defense. __________________________________________ (Buyer’s Signature) __________________________________________ (Address) __________________________________________ (City, State, Zip) To stop the transfer of title, this affidavit of defense must be received by Chrysler Capital at P.O. Box 961275, Fort Worth, TX 76161-1275 no later than twenty one (21) days after the date of mailing of this notice. If you need to send the notice by an overnight delivery service, please use this address: 3000 Kellway Dr. Ste. 120 Carrollton, TX 75006-3305 Sent Via First-Class Mail® October 24, 2023 LESLYE TAYLOR 122 SW 4TH ST CLAY CITY, IL 628240000 NOTICE OF DEFAULT AND RIGHT TO CURE ACCOUNT NUMBER: ____________________________ LAST DAY FOR PAYMENT: 11/13/2023 Description of Collateral: <table> <tr> <th>Year:</th><td>2018</td> <th>Model:</th><td>C-HR</td> <th>Make:</th><td>TOYOTA</td> </tr> <tr> <th>VIN:</th><td>JTNKHMBX1J1004777</td> <th>Contract Date:</th><td>10/12/2022</td> </tr> </table> <table> <tr> <th>Total Payments Due</th><td>$1,794.38</td> </tr> <tr> <th>Total Late Fees</th><td>$186.57</td> </tr> <tr> <th>Other Fees/Expenses</th><td>$0.00</td> </tr> <tr> <th>AMOUNT NOW DUE</th><td>$1,980.95</td> </tr> </table> This is formal notice that you are in default under your contract because you are late in making your payment(s). You are entitled to cure your default. In order to do so, you must pay the AMOUNT NOW DUE (shown above) by the LAST DATE FOR PAYMENT (shown above). If you pay the total AMOUNT NOW DUE by LAST DAY FOR PAYMENT, you may continue with the contract as though the default had not occurred. Payment may be sent to us at P. O. Box 660335, Dallas, TX 75266-0335. If you do not pay the AMOUNT NOW DUE by the LAST DAY FOR PAYMENT, we may exercise our rights under the law. These rights include the right to repossess the collateral for this transaction and the right, in many instances, to hold you personally responsible for any difference between the amount the collateral brings in a sale and the balance due under the contract. In addition, we may report adverse information about you to a consumer reporting agency, provide information about you to a collection agency, and take action against you in collection of the obligation due under the contract. NOTE: The acceptance of these or other late payments does not waive our right to repossess the collateral or take other appropriate action if you fail to make future payments on time. You are required to make all payments on time. Please write us at P.O. Box 961275, Fort Worth, TX 76161-1275 or call us at (855) 563-5635, Monday through Friday 7:00 AM to 9:00 PM and Saturday 7:00 AM to 5:00 PM Central Time if you have any questions regarding this notice. You are receiving this notice due to the legal requirements of the state where you originally signed the SEE IMPORTANT CONSUMER NOTICES AT END OF LETTER agreement and/or the state where you currently reside. Sincerely, Chrysler Capital P.O. Box 961275 Fort Worth, TX 76161-1275 (855) 563-5635 ©2023 Santander Consumer USA Inc. All rights reserved. Chrysler Capital is a registered trademark of FCA US LLC and licensed to Santander Consumer USA Inc. All other trademarks are the property of their respective owners. IMPORTANT CONSUMER NOTICES: If you are entitled to the protections of the United States Bankruptcy Code regarding the subject matter of this letter, this communication is not an attempt to collect a debt from you personally in violation of the bankruptcy code but is for informational purposes only. CHRYSLER CAPITAL IS A DEBT COLLECTOR, THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Chrysler Capital can report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. Attention Servicemembers and Dependents: The Federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including prohibiting repossession under most circumstances during the servicemember's active duty service. Chrysler Capital will not repossess the property of a service member or his or her dependent during that time, unless pursuant either to a court order or a servicemember's written waiver. You can contact us toll-free at (855) 563-5635 if you have questions about your rights under SCRA. Products and company names mentioned herein may be the trademarks of their respective owners. BILL OF SALE AND ASSIGNMENT WHEREAS, the undersigned, Santander Consumer USA Inc. d/b/a Chrysler Capital, an Illinois corporation ("Chrysler Capital") has engaged Santander Bank, N.A. ("Servicer" or "Assignor") to service certain retail installment sales contracts or loans (the "Assets") for Chrysler Capital pursuant to a servicing agreement (the "Servicing Agreement"); WHEREAS, pursuant to and in accordance with the Servicing Agreement, the Servicer has the right to sell, assign, and transfer Assets owned by Chrysler Capital; WHEREAS, on the terms and subject to the conditions set forth in the Deficiency Account Sales Services Agreement dated June 23, 2025 (the "DASS Agreement"), between the Servicer and the parent of the Servicer and Seller, Santander Holdings USA, Inc. ("SHUSA" or "Assignee"), a Virginia corporation, the Servicer has agreed to irrevocably transfer, assign, contribute and otherwise convey Assets to SHUSA for the purposes of aggregating and facilitating the sale of Assets to third party parties; NOW THEREFORE: Servicer, pursuant to the terms and conditions of the DASS Agreement, hereby assigns to SHUSA effective as of July 9, 2025: all right, title and interest of the Servicer, in, to and under the assets described in the Assignment and Schedule 1 thereto in the Purchase and Sale Agreement between SHUSA and Troy Capital, LLC dated July 9, 2025 (such Assignment and Schedule 1 attached hereto as Exhibit "A") and made part hereof for all purposes. SERVICER AND ASSIGNOR: SANTANDER BANK, N.A. By: [signature] Name: Erik Laney Title: Executive Vice President STATE OF TEXAS ) COUNTY OF DALLAS ) Sworn before me this 10 day of July 2025. [signature] (Notary Stamp & Signature) My commission expires: 05-05-2026 ACKNOWLEDGED AND ACCEPTED: Santander Holdings USA, Inc. By: _____________________________ Name: Christopher Mitcham Title: Senior Vice President Santander Consumer USA Inc. d/b/a Chrysler Capital By: ________________________________ Name: Christopher Mitcham Title: Senior Vice President Exhibit A (Assignment and Schedule 1 in the Purchase and Sale Agreement between SHUSA and Troy Capital, LLC dated July 9, 2025) FORM OF ASSIGNMENT For value received, in accordance with the Purchase and Sale Agreement and the Supplement thereto, dated as of July 9, 2025, together, (the “Agreement”), between Santander Holdings USA, Inc., a Virginia corporation (the “Seller”), and Troy Capital, LLC, a Nevada limited liability company (the “Purchaser”), on the terms and subject to the conditions set forth in the Agreement, the Seller does hereby irrevocably sell, transfer, assign, contribute and otherwise convey to the Purchaser on the Sale Date, without recourse (subject to the obligations in the Agreement), all right, title and interest of the Seller, whether now owned or hereafter acquired, in, to and under the Receivables set forth on the Schedule of Contracts attached hereto as Schedule 1, all Collections received on the Receivables after the Cut-Off Date, the Security and the Receivables Files relating to the Receivables and all proceeds of any of the foregoing. This Assignment is made pursuant to and upon the representations, warranties and agreements on the part of the undersigned contained in the Agreement and is governed by the Agreement. Capitalized terms used herein and not otherwise defined shall have the meaning assigned to them in the Agreement. IN WITNESS WHEREOF, the undersigned has caused this Assignment to be duly executed as of the date and year first above written. SANTANDER HOLDINGS USA, INC., as Seller By: ____________________________ Name: Chris Mitcham Title: Senior Vice President ACKNOWLEDGED AND ACCEPTED: Troy Capital, LLC as Purchaser By: ____________________________ Name: Rance Willey Title: Chief Executive Officer Confidential Schedule 1 to Assignment Schedule of Contracts The excel spreadsheet named Lot25-660_Santander_Deficiency_CC_TroyCapital_Final Data.xlsx. Exhibit A-3 FORM OF LIMITED POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS that Santander Holdings USA, Inc. (hereinafter "Seller"), does hereby make, constitute and appoint Troy Capital, LLC (the "Purchaser") as Seller's Agent and Attorney-in-Fact with full power of substitution and resubstitution, on behalf of Seller in its place and stead with respect only to the matters described in Paragraphs 1 and 2 below, to do, exercise and/or perform each, any and every act, exercise and power that Seller might or could do, exercise and/or perform itself or through any other person in connection with and consistent with the terms of that certain Purchase and Sale Agreement between Seller and the Purchaser dated as of July 9, 2025, intending hereby to vest in the Purchaser full power and authority with respect only to the following: 1. To make, execute, negotiate and endorse in the name of Seller any checks, drafts and other items payable to Seller on account of any Receivable. 2. To execute on behalf of Seller such documents as are necessary for the Purchaser to perfect, amend, update or transfer any security interest or lien in favor of the Purchaser on the lien certificate or certificate of title of any vehicle financed pursuant to any Receivable or any other collateral securing or related to any Receivable. This Limited Power of Attorney shall be deemed to have been executed under seal, to be coupled with an interest, shall extend to any successor of Seller, and shall commence on the date hereof. EXECUTED on this ___9___ day of July 2025. SANTANDER HOLDINGS USA, INC., as Seller By: _____________________________ Name: Chris Mitchell Title: Senior Vice President STATE OF TEXAS ) COUNTY OF DALLAS ) Sworn before me this ___9___ day of July 2025. FORM OF AFFIDAVIT OF SALE OF ACCOUNT & CERTIFICATE OF CONFORMITY State of Texas, County of Dallas. Chris Mitcham being duly sworn, deposes and says: I am over 18 and not a party to this action. I am a Senior Vice President of Santander Holdings USA, Inc. In that position, I have access to the books and records of Santander Holdings USA, Inc. (the “Company”) and am aware of the process of the sale and assignment of electronically stored business records. On or about July 9, 2025, the Company sold a pool of deficiency balances and/or charged-off amounts (the “Accounts”) by a Purchase and Sale Agreement and an Assignment to Troy Capital, LLC (the “Debt Buyer”). As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the Debt Buyer. These records were kept in the ordinary course of business of the Company or one of its affiliates. The Company or its affiliates has a process to detect and correct errors on the records for the Accounts. The above statements are true to the best of my knowledge. Signed this ___9__ day of July, 2025. [Signature] Name: Chris Mitcham Title: Senior Vice President STATE OF TEXAS ) COUNTY OF DALLAS) Sworn before me this ___9__ day of July, 2025. NATHALY VAN ZANTEN Notary Public, State of Texas Comm. Expires 05-05-2026 Notary ID 133746009 (Notary Stamp & Signature) My commission expires: 05-05-2026 CERTIFICATE OF CONFORMITY STATE OF TEXAS) COUNTY OF DALLAS) I, Amy Forsythe, an attorney at law admitted to practice in the State of Texas and a current resident of the State of Texas, do hereby certify that the acknowledgment on the above Affidavit of Sale of Account was taken in the manner prescribed by the laws of Texas and conforms to the laws thereof. IN WITNESS THEREOF, I have hereunto set my hand this 9th day of July, 2025. Amy Forsythe Name: Amy Forsythe Title: Senior Vice President 1601 Elm Street Dallas, TX 75201 214.236.8426 NEW YORK CITY AFFIDAVIT OF SALE OF ACCOUNT AFFIDAVIT OF SALE OF ACCOUNT BY ORIGINAL CREDITOR State of Texas, County of Dallas. Chris Mitcham being duly sworn, deposes and says: I am over 18 and not a party to this action. I am a Senior Vice President of Santander Holdings USA, Inc. In that position I have access to the books and records of Santander Holdings USA, Inc. (including its affiliates, “Creditor”), and am aware of the process of the sale and assignment of electronically stored business records. On or about, July 9, 2025, Creditor sold a pool of charged off accounts (the Accounts) by a Purchase and Sale Agreement and a Bill of Sale to Troy Capital, LLC. As part of the sale of the Accounts, electronic records and other records were transferred on individual Accounts to the debt buyer. These records were kept in the ordinary course of business of Creditor. I am not aware of any errors in these accounts. The above statements are true to the best of my knowledge. Signed this ___9___ day of July 9, 2025. [Signature] Chris Mitcham, Senior Vice President Sworn before me this ___9___ day of July, 2025. [Nathaly V. Zantin] (Notary Stamp) NATHALY VAN ZANTEN Notary Public, State of Texas Comm. Expires 05-06-2026 Notary ID 133745099 Status Report Pursuant to Servicemembers Civil Relief Act SSN: [REDACTED] Birth Date: Last Name: TAYLOR First Name: LESLYE Middle Name: Status As Of: Jan-16-2026 Certificate ID: QM9BFMRF7QCXRHP 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>NA</td> <td>NA</td> </tr> </table> This response reflects the individual’s 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 whether 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 any 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.