The First State Bank of Boise City v. Blake Robert Cook

IN THE DISTRICT COURT OF CIMARRON COUNTY STATE OF OKLAHOMA The First State Bank of Boise City Plaintiff, vs. Blake Robert Cook Defendant. SMALL CLAIMS AFFIDAVIT State of Oklahoma, County of Cimarron, ss: Trey Sparkman, being first duly sworn, deposes and says: That the defendant resides at -403 1st St Keyes OK 73947-0412-, and that the mailing address of the defendant is-Po Box 412 Keyes OK 73947-0412-. That the defendant is indebted to the plaintiff in the sum of $5,579.17 for _Promissory Note# 10182180_ that the plaintiff has demanded payment of the sum, but the defendant refused to pay the same and no part of the amount sued for has been paid, or That the defendant is wrongfully in possession of certain personal property described as N/A; that the value of the personal property is $N/A; that the plaintiff is entitled to possession thereof and has demanded that defendant relinquish possession of the personal property, but that defendant wholly refuses to do so. [Signature] Plaintiff Subscribed and sworn to before me this 10 day of March, 2026. [Signature] Notary Public Clerk/Judge By: ________________________________, DCN: 7EF5D85A2C204D519C118386A2B15040 CONSUMER PROMISSORY NOTE (To be accompanied by a Disbursement Addendum) Co-Signer Linda Perichfield DATE 12/18/2025 DEBTOR Blake Robert Cook 403 1st St Keyes, OK 73947-0412 LENDER The First State Bank PO BOX 1179 BOISE CITY, OK 73933 HOME PHONE 606-717-9324 MOBILE PHONE WORK PHONE OFFICER INITIALS TS NOTE NUMBER 01060 DATE FINANCE CHARGE BEGINS 12/18/2025 MATURITY DATE 12/10/2027 PRINCIPAL AMOUNT $5,453.58 CUSTOMER NUMBER 000000945 FIXED INTEREST RATE 8.5000 % INTEREST METHOD Actual / 360 PURPOSE STATEMENT REN 2011 GMC 2500 VARIABLE INTEREST RATE INITIAL INDEX RATE _____ MARGIN _____ INITIAL INTEREST RATE _____ In this agreement, the words "Debtor," "you," and "your" refer to all Debtors signing this Agreement, whether one or more. The words "Lender," "we," "us," and "our" refer to the Lender. The words "Agreement," "loan," and "account" mean this Agreement. DISCLOSURES (e means an estimate) ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 8.5908 % FINANCE CHARGE The dollar amount the credit will cost you. $486.74 AMOUNT FINANCED The amount of credit provided to you or on your behalf. $5,453.58 TOTAL OF PAYMENTS The amount you will have paid after making all scheduled payments. $ 5,940.32 Boxes checked apply to this transaction: ☒ This obligation is payable on demand. All disclosures are based on an assumed maturity of one year. ☐ This obligation has a demand feature. ☐ The Annual Percentage Rate does not take into account any required deposit of Debtor. 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>23</td> <td>$250.00</td> <td>monthly beginning 01/10/2026.</td> </tr> <tr> <td>1</td> <td>$190.32</td> <td>will be due at maturity 12/10/2027.</td> </tr> </table> If the “Variable Interest Rate” box is checked, the Annual Percentage Rate may increase or decrease during the term of this loan if the __________________________ increases or decreases. ☐ The Interest Rate will not increase or decrease more often than __________________________. ☐ The Interest Rate will not increase or decrease by more than ________% each time. ☐ The Interest Rate will not increase above ________%. ☐ The Interest Rate will not decrease below ________%. Any increase will take the form of: ☐ Higher payment amounts. ☐ More payments of the same amount. ☐ A larger payment due at maturity. If the Interest Rate increases by ________% in __________________________: ☐ Debtor’s regular payments will increase to $ __________________________. ☐ Debtor will have to make ________ additional payments. ☐ Debtor’s final payment will increase to $ __________________________. Prepayment. If Debtor pays off early, Debtor will not have to pay a penalty, but may have to pay a minimum Finance Charge. Late Charge. If a payment is more than 10 days late, Debtor will be charged the greater of 5% of the prin amt or $5.00 not to exceed $10.00 See Promissory Note, Security Agreement and related contract documents for additional information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment refunds and penalties. SECURITY/COLLATERAL Boxes checked apply to this transaction: ☒ Lender has or will acquire a security interest in the following property: Debtor is giving a security interest in the goods or property being purchased. Debtor is giving a security interest in SECURITY AGREEMENT DATED 05/23/2023 COVERING A 2011 GMC VIN# YGC2KVGS2407187. ☐ This loan is secured by all money and other property owned by Debtor and in the possession or control of Lender and all deposits of Debtor with Lender. ☐ Collateral securing other loans of Debtor with Lender also secures this loan. Filing Fees $ ________ Non-Filing Insurance $ ________ INSURANCE STATEMENT CREDIT LIFE, ACCIDENT AND HEALTH INSURANCE are not required to obtain this extension of credit and such insurance is not a factor in the approval by Lender of the extension of credit. Such insurance for unpaid interest and principal for the term of the debt will only be provided if available and if Debtor and/or Co-Debtor requests Lender to obtain the insurance by indicating the type of insurance desired and signing below. <table> <tr> <th></th> <th>Debtor</th> <th>Co-Debtor</th> <th>Cost:</th> <th>Term:</th> </tr> <tr> <td>Credit Life Insurance</td> <td>☐</td> <td>☐</td> <td>$ ________</td> <td>Term: __________________________</td> </tr> <tr> <td>Credit Accident and Health Insurance</td> <td>☐</td> <td>☐</td> <td>$ ________</td> <td>Term: __________________________</td> </tr> </table> Debtor ☐ desires insurance checked above. __________________________ Date ____________ Co-Debtor ☐ desires insurance checked above. __________________________ Date ____________ VENDOR’S SINGLE INTEREST AND/OR PROPERTY INSURANCE may be obtained by Debtor and/or Co-Debtor through any person acceptable to Lender. If such insurance is obtained through Lender, the cost for the term of the debt is: ☐ Property Insurance Cost: $ ________ Term: __________________________ ☐ Vendor’s Single Interest Insurance Cost: $ ________ Term: __________________________ (The issuer issuing this policy waives its rights to subrogation against Debtor.) PROMISSORY NOTE FOR VALUE RECEIVED, the undersigned Debtor(s) and all other parties liable hereunder, herein sometimes referred to collectively as Debtor, promise to pay to order of named Lender (a) the Principal Amount as shown herein, (b) with interest at the Interest Rate (as adjusted if applicable) on the balance thereof at any time remaining unpaid, and (c) any other accrued and unpaid amount of the Finance Charge. All Prepaid Finance Charges are earned when paid and are not subject to rebate on early prepayment. All payments received by Lender are to be applied: First, to the Finance Charge; Second, to the outstanding balance of advances; Third, to any Other Charges. All parties liable for payment hereunder shall each be regarded as a principal and each party agrees that any party with approval of holder and without notice to any other party may from time to time renew this Note or consent to one or more extensions or deferrals of any payment due for any term or terms; and all parties shall be liable in same manner as on original note. All parties liable for payment hereunder waive presentment, notice of dishonor and protest, and consent to partial payments, any substitutions or release of collateral and to addition or release of any party or guarantor. VARIABLE RATE. If the "Variable Interest Rate" box is checked, the Interest Rate shall vary with the Index set forth and shall be the number of percentage points above such Index as shown herein as the "Margin." Increases or decreases in the Index will be reflected as set forth herein. If the Index is Lender's Prime or Base rate, that term shall mean the rate of interest set by Lender from time to time as its base or prime rate. In no event shall the interest rate exceed the rate permitted by law. There shall be no restrictions on the change in the Index or Interest Rate unless specifically set out herein. DELINQUENCY CHARGE. If any payment required by this Note is late, the holder may assess a delinquency charge in accordance with the terms disclosed in this document (which are incorporated into this Note). Debtor agrees that Lender may increase the delinquency charge to the maximum amount allowed by law at the time a payment becomes delinquent. PREPAYMENT. Debtor shall have the right to prepay the Amount Financed without penalty in full or in part at any time, provided, however, that prior to or contemporaneously with any such prepayment Debtor shall have paid to Lender the Finance Charge accrued to date of such prepayment and provided, however, that holder may collect or retain the minimum Finance Charge allowed by law. Upon prepayment in full, Debtor will be granted a rebate of any unearned portion of the Finance Charge, however, no refund of less than one dollar ($1) need be made. Partial prepayments, at option of Lender, shall be applied first to accrued and unpaid Finance Charge and then to principal payments in inverse order of maturity. ACCELERATION. At option of holder, the unpaid balance of Note and all other obligations and indebtedness of any party hereto to holder, whether direct or indirect, absolute or contingent, now existing or hereafter arising, shall become immediately due and payable upon occurrence or existence of any Event of Default as described herein, without notice or demand (or if notice, demand, and/or right to cure is required by law, such has been provided) by holder. After maturity or acceleration of this Note, Lender may charge, and Debtor agrees to pay interest at the Maximum Rate on any unpaid principal balance. "Maximum Rate" means the maximum non-usurious rate of interest per annum permitted by applicable law. In no event shall the interest rate and related charges either before or after maturity be greater than permitted by law. COLLECTION COSTS. Lender may charge and collect from Debtor the maximum fee permitted by law for each return by a bank or other depository institution of a dishonored check, negotiable order of withdrawal, or share draft issued by Debtor in connection with the loan. The fee shall be in addition to all other loan finance charges, fees, and additional charges which Lender may charge and collect from Debtor and shall not be subject to refund or rebate. Debtor agrees to pay reasonable cost of enforcing the security interest; and, to pay reasonable attorney fees, not to exceed 15% of the unpaid debt after default, provided, however, that this agreement as to attorney fees shall not apply if prohibited by law at the time this Note is signed. This provision shall apply if you file or have filed against you a petition or any other claim for relief under the United States Bankruptcy Code including the benefit of any co-debtor or similar stay. WARRANTIES AND COVENANTS 1. Security Agreement. To the extent Debtor has an ownership interest in the Collateral described herein, Debtor grants to Lender a security interest in Collateral described herein to secure the payment of indebtedness evidenced by this PROMISSORY NOTE to secure (1) all monies loaned, (2) all other liabilities to Lender (primary, secondary, direct or indirect, absolute or contingent, sole, joint, or several) due or to become due hereunder evidenced or acquired, and (3) the performance of all agreements, covenants, and warranties of Debtor to Lender. Collateral consists of (1) all property specifically described herein, (2) all personal property installed in, or affixed to, such described realty, including additions, accessories, and enclosures, (3) all unmortgaged other property owned by Debtor and in the possession or control of Lender and all deposits of Debtor with Lender, (4) proceeds, and (5) all property of whatever kind that now or hereafter are housed and acquired by Debtor, except as limited by law in the case of consumer goods acquired more than ten days after the date Lender gives value therefor. For purposes of this Agreement, any term used in the Uniform Commercial Code, as adopted and revised from time to time in the State of Oklahoma ("UCC"), and not defined in this Agreement has the meaning given to the term in the UCC. This loan is secured under the terms of all present or future mortgages/deeds of trust, security interest, deposit, or other agreements with Lender. The terms of any mortgage/deed of trust will govern the obligations secured by such mortgage/deed of trust. 2. Financial Information. All loan applications, balance sheets, earnings statements, other financial information and other representations which have been, or may hereinafter be, furnished to Lender to induce it to enter into or continue a financial transaction with Debtor fairly represent the financial condition of Debtor as of the date and for the period shown therein, and all other information, reports, documents, papers and data furnished to Lender or are shall be, at the time furnished, accurate and correct in all material respects and complete insofar as completeness may be necessary to give Lender a true and accurate knowledge of the subject matter. There has been no material change in the financial condition of Debtor since the effective date of the last furnished financial information which has not been reported to Lender in writing. 3. Ownership Free of Encumbrances. Except for the security interest hereby granted or a security interest previously disclosed in writing to Lender, Debtor now owns, or will use the proceeds of the monies loaned hereunder to become the owner of, the Collateral (or has rights in or the power to transfer the Collateral) free from any prior liens, all claims and demands of persons claiming any interest therein adverse to Lender. Debtor will not permit any liens or security interests other than Lender's security interest to attach to any of the Collateral, will not permit the Collateral to be levied upon, garnished, or attached under any legal process, or permit any other thing to be done that may impair the value of the Collateral or the security interest. 4. Financing Statement. No lien entry or Financing Statement covering Collateral is on file in any public office. Debtor agrees to join with Lender in executing one or more Financing Statements in form satisfactory to Lender and provide such other documents as may be required from time to time, in order to perfect, or to continue perfection of, the security interest herein granted. A carbon, photographic, or other reproduction of this Agreement or of any Financing Statement is sufficient as a Financing Statement. Lender is authorized to file an "All Assets" Financing Statement. 5. Residence, Use and Location. Statements made herein or otherwise as to Debtor's address and as to location, possession and use of the Collateral are true. Debtor agrees to immediately notify Lender in writing of any proposed change in Debtor's address and to provide such notification prior to the proposed effective date thereof. Debtor will not permit any of the Collateral to be removed from the location specified herein without the written consent of Lender. Debtor's exact legal name is as set forth herein. If Debtor is an individual, Debtor's principal residence is at Debtor's address as set forth herein. Until this Promissory Note is paid in full, Debtor agrees that it will not change principal residence or legal name without providing Lender 30 days' prior written notice. 6. Sale, Lease or Disposition of Collateral Prohibited. Debtor shall not sell, transfer, exchange, lease, license, grant any other security interest or otherwise dispose of the Collateral or any part thereof or Debtor's rights therein without first obtaining the prior written consent of Lender. The consent of Lender may be conditioned upon any requirements (including, but not limited to, the application of proceeds to obligations secured hereby) which requirements Lender deems to be for the protection of its security interest; and it is understood and agreed that such consent will not be deemed to be effective unless and until such requirements and conditions have been fulfilled. The grant hereinunder by Debtor of a security interest in the proceeds of the Collateral shall not be construed to mean that Lender consents to the sale or any other disposition of the Collateral. 7. Maintenance and Inspection. Debtor at own expense shall keep the Collateral in good condition and repair, shall not permit it to be misused or abused or wasted or allowed to deteriorate except for the ordinary wear and tear of its intended primary use; shall prudently protect the Collateral from the elements, shall use the Collateral lawfully and not permit its illegal use or its use in a manner not permitted by the written insurance coverage, and shall permit and facilitate Lender to examine and inspect the Collateral at any time and wherever located. 8. Taxes. Debtor shall promptly pay any and all taxes, assessments, and license fees with respect to the Collateral or the use of the Collateral. 9. Affixing to Real or Personal Property Prohibited. Debtor shall not permit any of the Collateral to become an accession or affixed to other personal property or to become attached or affixed to real property without first obtaining prior written consent of Lender. The consent of Lender may be conditioned upon any requirements (including, but not limited to, the subrogation or subordination of other interest owners in and to such other personal or real property to the rights and interest of Lender) which requirements Lender deems to be for protection of its security interest; and it is understood and agreed that such consent will not be deemed to be effective unless and until such conditions and requirements have been fulfilled. 10. Adequate Insurance. Debtor, at Debtor's sole expense, shall insure Collateral with companies acceptable to Lender against such casualties and in such amounts as prudent and adequate to protect Lender or as Lender shall require. All insurance policies shall be written for benefit of Debtor and Lender as their interests appear and such policies or certified copies thereof evidencing same shall be furnished to Lender within ten days of date of this Agreement. All policies of insurance shall provide for at least ten days prior written notice of cancellation to Lender. Lender may act as attorney-in-fact for Debtor in the procuring of insurance, in making, adjusting, and settled claims under or canceling such insurance and in endorsing Debtor's name on any drafts or checks drawn by insurers of Collateral. 11. Expenditures of Lender. At its option and after any written notice to Debtor required by law, which notice Debtor and Lender hereby agree is sufficient if mailed, postage prepaid, to the address of Debtor provided for herein at least ten days before the consummation of the performance of such duties specified herein, if agreed Lender may discharge taxes, liens, security interests, or other encumbrances on the Collateral and may pay for the repair of any damage to the Collateral, the maintenance and preservation thereof, and for insurance thereon. Debtor shall be liable for and agrees to pay Lender for all expenditures of Lender for taxes on the Collateral, the discharge of liens, security interests, or other encumbrances on the Collateral, for the repair of any damage to the Collateral, and for all costs and other disbursements of Lender in connection with the foregoing. Debtor agrees promptly to reimburse Lender for all such expenditures and until such reimbursement, the amounts of such expenditures shall be considered a liability of Debtor to Lender which is secured by this Agreement and shall be subject to a FINANCE CHARGE at a rate not exceeding the ANNUAL PERCENTAGE RATE set forth herein. In addition, Debtor shall be liable for and agrees to pay Lender for all disbursements of Lender as allowed by law or provided for herein in the enforcement or collection of any and all debts or liabilities owed to Lender, or in the realization upon or the enforcement or collection of any account receivable, contract right, promissory note, chattel paper, instrument, document, or other Collateral in which Lender has a security interest. Debtor agrees promptly to reimburse Lender for all such expenditures and until such reimbursement the amount of such expenditures shall be considered a liability of Debtor to Lender which is secured by this Agreement. 12. Pledge of Indebtedness and Right of Set Off. Except as otherwise restricted by law, any property, tangible or intangible, of Debtor in possession of Lender at any time during the term hereof, or any indebtedness due from Lender to Debtor and any deposit or credit balances due from Lender to Debtor, or any of the foregoing of any party hereto, are pledged to secure payment hereof and may at any time while the whole or any part of Debtor's indebtedness to Lender remains unpaid, whether before or after maturity thereof, be appropriated, held or applied toward the payment of this or any obligation of Debtor to Lender. Lender shall not be liable for the dishonor of any check when the dishonor occurs because Lender set off the amounts due under this Note against any accounts of Debtor. Debtor agree to hold Lender harmless from any such claims arising as result of the exercise of the right of set off including all attorney fees and expenses. 13. Cooperation of Debtor. If the Collateral includes livestock, Debtor, upon demand of Lender and with an appropriate credit for the value thereof, to the extent Lender deems it necessary to preserve the Collateral will make available to Lender and feed all herd and grain and all equipment used in the feeding and handling of the livestock owned by Debtor and will cooperate with Lender and Debtor's best efforts to accord Lender use of all of Debtor's right, title and interest in or to all water privileges, all other equipment used in the feeding, handling and raising of the livestock, and all contracts and leases covering lands for pasture and grazing. If the Collateral includes crops which are growing or planted on leased land, Debtor, in accordance with the above, will cooperate with Lender and use Debtor's best efforts to accord Lender use of all of Debtor's right, title and interest in or to all contracts or leases covering such leased real property. If the Collateral includes stocks or bonds, Debtor will deliver immediately to Lender all proceeds of the Collateral regardless of kind, character or form, any stock rights, rights to subscribe, dividends regardless of kind, interest, any securities, or any other property which Debtor may receive by reason of such Collateral to be held by Lender in the same manner as the property originally deposited as Collateral; provided, however, that Lender at its option may permit such property to be received and retained by Debtor but, provided further, that Lender may at any time terminate such permission. Without limitation by reason of the foregoing specific agreements, Debtor shall do all acts which Lender deems reasonable or necessary to preserve or protect the Collateral. 14. Possession. Debtor shall have possession of the Collateral, except where expressly otherwise provided in this Agreement or where Lender chooses to perfect its security interest by possession in addition to the filing of a financing statement. Where Collateral is in the possession of a third party, Debtor will join with Lender in notifying the third party of Lender's security interest and obtaining an acknowledgment from the third party that it is holding the Collateral for the benefit of Lender. 15. Control. Debtor will cooperate with, and undertake any action reasonably necessary for, Lender to obtain control of Collateral consisting of deposit accounts, investment property, letter-of-credit rights, and electronic chattel paper. 16. Purchase Money Security Interest. To the extent Debtor uses the indebtedness to purchase Collateral, Debtor's repayment of the indebtedness shall apply on a "first-in-first-out" basis so that the portion of the indebtedness used to purchase a particular item of Collateral shall be paid in the chronological order Debtor purchased the Collateral. 17. Credit of Payment. All payments will be considered made on the date received at Lender's address or at such other address as Lender may specify in writing. Payments received at other locations are subject to credit delays of up to five days or other time period as provided by law. Any payment received by Lender after its cutoff time (in effect on the date of receipt) will be credited within the time period permitted by law. EVENTS OF DEFAULT Debtor shall be in default under this Agreement upon the happening of any one or more of the following events or conditions, herein called "Events of Default": 1. Any warranty, covenant, agreement, representation, financial information, or statement made or furnished to Lender by or on behalf of Debtor to induce Lender to enter into this Agreement, or in conjunction therewith, is violated or proves to have been false in any material respect when made or furnished. 2. Any payment required hereunder or under any other note or obligation of Debtor to this Lender or to others is not made when due or in accordance with terms of the applicable contract. 3. Debtor defaults in the performance of any covenant, obligation, warranty, or provision contained in any loan agreement or in any other note or obligation of Debtor to Lender or to others. 4. The occurrence of any event or condition which results in acceleration of the maturity of any obligation of Debtor to Lender or to others under any note, indenture, agreement, or undertaking. 5. The making of any levy against or seizure, garnishment, or attachment of any Collateral, the consensual encumbrance thereof by Debtor, or the sale, lease, or other disposition of Collateral by Debtor without the prior written consent of Lender as required elsewhere in this Agreement. 6. Loss, theft, substantial damage, or destruction of Collateral. 7. When in the judgment of Lender, the Collateral becomes unsatisfactory or insufficient in character or value, and upon request Debtor fails to provide additional Collateral as required by Lender. 8. Any time Lender in its sole discretion believes the prospect of payment or performance of any liability, covenant, warranty, or obligation secured hereby is impaired. 9. The death, dissolution, termination of existence or insolvency of Debtor, the appointment of a receiver over any part of Debtor's property or any part of the Collateral, an assignment for the benefit of creditors, or the commencement of any proceeding under any bankruptcy or insolvency law by or against Debtor or any guarantor or surety for Debtor. 10. Lender shall receive at any time following the closing a filing office report indicating that Lender's security interest is not prior to all other security interests or other interests reflected in the report. REMEDIES Upon the occurrence of an Event of Default, and at any time thereafter, Lender may, except as otherwise provided by law, at its option and without notice or demand to Debtor exercise any and all rights and remedies provided by the UCC, as well as all other rights and remedies available to Lender, including but not limited to: 1. Declare all liabilities secured hereby, immediately due and payable, and/or proceed to enforce payment and performance of all liabilities secured hereby, provided that, upon any prepayment in full of the unpaid balance of such liabilities, Debtor shall be entitled to a rebate of any unearned portion of any finance or other charge in accordance with law. 2. Require Debtor to assemble Collateral or evidence thereof and make it available to Lender at a place designated by Lender which is reasonably convenient to both parties. 3. Repossess the Collateral and all books and records evidencing or pertaining to the Collateral, and for this purpose Lender is hereby granted authority to peaceably enter into and upon any premises on which Collateral and related books and records are located unless prohibited by law. Debtor waives any claim in connection with or arising from an entry peaceably made in connection with a repossession. Debtor authorizes Lender to take possession of and hold any property located in or temporarily attached to the Collateral. If Debtor has not reclaimed such property within 10 days after notice of its taking and location is sent to Debtor, such property may be disposed of by Lender and the proceeds applied to expenses and other amounts due from Debtor to Lender. Other than in the event of a judicial foreclosure, any balance of such proceeds remaining after payment in full of all amounts secured by this Agreement shall be paid to Debtor as may be required by law. 4. Apply that portion of the Collateral consisting of cash or cash equivalent items such as checks, drafts or deposited funds against any liabilities of Debtor selected by Lender, and for this purpose Debtor agrees that cash or equivalents will be considered identical to cash proceeds. Lender shall have the right immediately and without further action by it to set off against the liabilities secured hereby all money owed by Lender to Debtor, whether due or not due, and Lender shall be deemed to have exercised such right to set off and to have made a charge against such money at the time of any acceleration upon default even though such charges made are entered on Lender's books subsequent thereto. 5. Transfer any of the Collateral or evidence thereof into its own name or that of a nominee and receive the proceeds therefrom and hold the same as security for the liabilities of Debtor to Lender or apply it on or against any such liability. Lender may also demand, collect, receipt for, settle, compromise, adjust, sue for, foreclose, release, or realize upon Collateral, in its own name or in the name of Debtor as Lender may determine. 6. Sell or otherwise dispose of the Collateral. Unless Collateral in whole or part is perishable or threatens to decline speedily in value or is of a type customarily sold on a recognized market, Lender will give Debtor reasonable notice of the time and place of any public sale, or of the time after which any private sale or other disposition is to be made. Any requirement of notice shall be met if notice is mailed, postage prepaid, to the address of Debtor provided for herein at least ten days before sale or other disposition or action. Lender shall be entitled to, and Debtor shall be liable for, all reasonable costs and expenditures of realizing on its security interest, including without limitation, court costs, fees for replivin bonds, storage, repossession costs, repair, and preparation costs for sale, selling costs, and reasonable attorney fees as set forth in this PROMISSORY NOTE. All such costs are secured by the security interest in the Collateral covered herein. Debtor waives any right it may have to require Lender to pursue any third person for any of the indebtedness and shall comply with any applicable state or federal law requirements in connection with a disposition of the Collateral and compliance will not be considered adversely to affect the commercial reasonableness of any sale of the Collateral. If Debtor sells any of the Collateral upon credit, Debtor will be credited only with payments actually made by the purchaser, received by Lender, and applied to the indebtedness of the purchaser. In the event the purchaser fails to pay for the Collateral, Lender may resell the Collateral and Debtor shall be credited with the proceeds of the sale. 7. Lender shall not be liable for the failure to collect any account, enforce any contract right, or for any other act or omission on the part of Lender, its officers, agents, or employees, except as the same constitutes a lack of good faith or failure to act in a commercially reasonable manner. Lender shall have acted in a commercially reasonable manner if its action or non-action is consistent with general banking usage in the area of Lender's location, but this standard shall not constitute disapproval of any procedures which may be otherwise reasonable under the circumstances nor require Lender to take necessary steps to preserve rights against prior parties in an instrument or chattel paper. GENERAL TERMS 1. Waivers. No act, delay, or omission, including Lender's waiver of remedy because of any default hereunder, shall constitute a waiver of any of Lender's rights and remedies under this Agreement or any other agreement between the parties. All rights and remedies of Lender are cumulative and may be exercised singularly or concurrently, and the exercise of any one or more remedy will not be a waiver of any other. No waiver, change, modification, or discharge of any of Lender's rights or of Debtor's duties as so specified or allowed will be effective unless in writing and signed by a duly authorized officer of Lender, and any such waiver will not be a bar to the exercise of any right or remedy on any subsequent default. 2. Agreement Binding on Assigns. This Agreement shall inure to the benefit of the successors and assigns of Lender and shall be binding upon the heirs, executors, administrators, successors, and assigns of Debtor (and all persons who become bound as a debtor to this Agreement). 3. Rights of Lender Assignable. Lender at any time and at its option may pledge, transfer, or assign its rights under this Agreement in whole or in part, and any transferee or assignee shall have all the rights of Lender as to the rights or parts thereof so pledged, transferred, or assigned. 4. Joint and Several Responsibility of Debtor. If more than one Debtor executes this Agreement, their responsibility hereunder shall be joint and several and the reference to Debtor herein shall be deemed to refer to each Debtor. 5. Separability of Provisions. If any provisions of this Agreement shall for any reason be held to be invalid or unenforceable, such invalidity or unenforceability shall not affect any other provisions hereof, and this Agreement shall be construed as if such invalid or unenforceable provisions had never been contained herein. 6. WAIVER OF JURY TRIAL. DEBTORS IRREVOCABLY WAIVE ANY AND ALL RIGHTS DEBTORS MAY HAVE TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING OR CLAIM OF ANY NATURE RELATING TO THIS NOTE AND/OR INDEBTEDNESS OR ANY DOCUMENTS EXECUTED IN CONNECTION WITH THIS NOTE OR ANY TRANSACTION CONTEMPLATED IN ANY OF SUCH DOCUMENTS. THE DEBTORS ACKNOWLEDGE THAT THE FOREGOING WAIVER IS KNOWING AND VOLUNTARY. 7. CHOICE OF VENUE. The parties agree to resolve any dispute(s) involving or related to this transaction in CIMARRON County, State of Oklahoma unless otherwise required by law; and the parties agree to submit to the jurisdiction of the courts of such county should Lender institute a lawsuit. 8. Governing Law. This Agreement shall be construed and enforced in accordance with the laws of the State of Oklahoma, except to the extent the UCC provides for application of the law where Debtor or the Collateral is located (if other than Oklahoma) as the case may be. 9. Entire Agreement. This Agreement, together with any other related written agreement or any mortgage/deed of trust of real estate which may be Collateral, constitutes the entire agreement between the parties. This Agreement may be amended or modified only by a writing signed by Lender specifying that it is a modification, amendment, or addition to this Agreement. 10. Additional Terms (if any). DEBTOR SIGNATURES Debtor expressly agrees to the terms of this Promissory Note, the Disclosures, Security Agreement, Warranties and Covenants, Events of Default, Remedies, and General Terms included herein and the attached Disbursement Addendum. Debtor has received a completed copy of this form as of Date of Note indicated above. Debtor agrees that credit life and accident and health/insurance are not desired unless Debtor has indicated above the insurance desired and signed the Insurance Statement. Blake Robert Cook Linda K. Perckfield, Cosigner LENDER SIGNATURE The First State Bank Trey Spartman, Vice President (Lender’s signature optional) DCN: E199F 1659986AA078949C2AFE74DE972 DISBURSEMENT ADDENDUM LOAN AMOUNT $ 5,453.58 LOAN NUMBER 12/18/2025 DEBTOR Blake Robert Cook 403 1st St Keyes, OK 73947-0412 LENDER The First State Bank PO BOX 1179 BOISE CITY, OK 73933 REFINANCED AMOUNT $ Loan # DISBURSEMENTS TO OTHERS ON BEHALF OF DEBTOR Total: $ $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To $ To MISCELLANEOUS FEES Total: $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ PREPAID FINANCE CHARGES Total: $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ DISBURSEMENT COMMENTS: ITEMIZATION OF AMOUNT FINANCED | DUE AT CLOSING $ 5,453.58 Amount Given and Disbursed to Debtor Directly Miscellaneous Fees: $ ____________ Amount Left to Draw Prepaid Finance Charges: $ ____________ $ Amount Refinanced and Paid on Account of Debtor Other: $ ____________ Amounts paid to others on your behalf (Lender may be retaining a portion of this amount) $ Disbursements to Others on Behalf of Debtor Other: $ ____________ $ Life Insurance Premium to Other: $ ____________ $ A&H Insurance Premium to Other: $ ____________ $ Other Insurance Premium to Other: $ ____________ $ Total Amount of Financed Fees (Add Miscellaneous Fees if Financed) Other: $ ____________ $ Total Amount of Financed PPFCs (Add Prepaid Finance Charges if Financed) Other: $ ____________ $ Less - Prepaid Finance Charge Total Due at Closing: $ ____________ $ 5,453.58 Amount Financed (Subtract Prepaid Finance Charge From Sum of All Other Amounts) DEBTOR SIGNATURES Blake Robert Cook Linda K. Percfield, Cosigner <table> <tr> <th>Original Amount</th> <td>5,463.68</td> <th>Accrual Date</th> <td>04/10/2025</td> <th colspan="2">Branch:</th> <td>1</td> </tr> <tr> <th>Original Date</th> <td>12/1/2025</td> <th colspan="4">Loan Code:</th> <td>4</td> </tr> <tr> <th>Current Maturity</th> <td>12/10/2027</td> <th>(Prin & Intg)</th> <td>Monthly</td> </tr> <tr> <th>Interest Pd: LV/YTD</th> <td>0.00</td> <th>Total Schedule</th> <td>24</td> <th>CRA:</th> <td>0739-47</td> </tr> <tr> <th>Interest Paid: LIFE</th> <td>0.00</td> <th>Payments Made:</th> <td>21</td> </tr> <tr> <th>Original Maturity</th> <td></td> <th>Remaining:</th> <td>0</td> </tr> <tr> <th colspan="6">Payments</th> </tr> <tr> <th>Payment Term</th> <th>Monthly</th> <th>Principal</th> <td>144.41</td> <th>Scheduled</th> <td>105.69</td> </tr> <tr> <th>Total Amount Due</th> <td>770.00</td> <th>Late Charge: Min / Max</th> <td>5.00</td> <td>10.00</td> <td></td> </tr> <tr> <th>Late Charges</th> <td>20.00</td> <th colspan="4"></th> </tr> <tr> <th>Payoff</th> <td>6,578.47</td> <th colspan="4"></th> </tr> </table> <table> <tr> <th>Description</th> <th>REI 2011 GMC-2000</th> </tr> <tr> <th>Times Past Due</th> <td>D 1</td> </tr> <tr> <th>Interest at Pay Date</th> <td>1.29 .06500</td> </tr> <tr> <th>Daily Interest Factor</th> <td>29.62</td> </tr> <tr> <th>Int Days / Paid Days</th> <td>82 / 12/18/2025</td> </tr> </table> INQUIRY STATEMENT 945 BLAKE ROBERT COOK 403 1ST ST PO BOX 412 REYES OK 73947-0412 LOAN # 180 COLL DESC REN 2011 GMCORIG BAL RENW DATE TMS EXT 0 APR OFF TS LAST MATY 12/10/2027 RATE .08500 COLL CODE E TYPE CODE 4 AMC, YR. DATE TC1 AMOUNT TC2 AMOUNT POST DATE DESCRIPTION 12/1/2025 34 5,453.58 0 0.00 01/12/2026 94 10.00 0 0.00 02/12/2026 94 10.00 0 0.00 Principal: 0.00 Min: 5,453.58 Interest: 0.00 Max: 5,453.58