TRUITY FEDERAL CREDIT UNION v. ABIGAIL CRAIG

IN THE DISTRICT COURT IN AND FOR TULSA COUNTY STATE OF OKLAHOMA TRUITY FEDERAL CREDIT UNION, Plaintiff, vs. ABIGAIL CRAIG an individual, Defendant. PETITION FOR REPLEVIN COMES NOW the Plaintiff, Truity Federal Credit Union ("Plaintiff"), and for its cause of action against the Defendant, Abigail Craig, an individual, ("Defendant"), and alleges and states: 1. That the Plaintiff, Truity Federal Credit Union, is a Chartered Credit Union, duly authorized to transact business in the State of Oklahoma, with its principle place of business in the City of Bartlesville, State of Oklahoma. 2. That the Defendant, Abigail Craig, is an individual who resides in Tulsa County, State of Oklahoma. 3. This Court has personal jurisdiction over the Defendant because the Vehicle described herein is located in Tulsa County, State of Oklahoma. COUNT I REPLEVIN 4. Plaintiff incorporates Paragraphs 1-3 above and makes such Paragraphs a part hereof. 5. That on or about the 22nd day of April, 2025, the Defendant executed a Retail Installment Sale Contract ("Sale/Note Agreement"), with Plaintiff, by which the Defendant became obligated to pay Plaintiff, the principal amount of $25,700.00 plus interest at the rate of 8.24% per annum in eighty-four (84) equal monthly installments according to the terms stated in the Keep Agreement, attached hereto, and marked Exhibit "A". 6. That the Sale/Note Agreement granted a security interest therein in the vehicle to Plaintiff through the Assignment. 7. To secure performance of the Sale/Note Agreement, the Defendant granted Plaintiff a security interest in the following, to-wit: a. 2021 Chevy Equinox Serial Number: 3GNAXKEV6MS131441 hereinafter referred to as the ("Vehicle"). 8. Plaintiff perfected its security interest in the Vehicle by filing Lien Entry Forms on the Vehicle with the Oklahoma Tax Commission on the 24th day of April, 2025. A copy of the Certificate of Title evidencing this Lien is attached hereto as Exhibit "B". 9. That Plaintiff further states that under the terms of the Sale/Note Agreement, the Defendant is in default of the Sale/Note Agreement. 10. That after credit for all payments and offsets, the balance due on the Sale/Note Agreement is $25,677.23, with interest in the amount of 8.24% due on the unpaid balance from 9th day of October, 2025. 11. The actual value of the Vehicle is estimated at $12,200.00 12. Plaintiff is entitled to a reasonable attorney's fee and its other reasonable costs of collection under the terms of the Sale/Note Agreement and under Okla. Stat. tit 12, Section 936. 14. The Vehicle has not been taken in execution on any order or judgment against the Defendant, or for the payment of any tax, fine or amercement assessed against Plaintiff, or by virtue of an Order of Delivery issued under Chapter 31 of Title 12 of the Oklahoma Statues, or any other mesne or final process issued against Defendant. 15. Plaintiff believes that the Defendant is in actual or constructive possession of the Vehicle, and that the Defendant’s possession is subject to the rights of Plaintiff. Although Plaintiff has demanded possession of the Vehicle, the Defendant has failed to deliver or relinquish possession of the Vehicle to Plaintiff. The Defendant has therefore wrongfully detainning the Vehicle. 16. Plaintiff believes that the Defendant may attempt to conceal, damage or destroy the Vehicle or a part thereof or to remove the Vehicle from the state or county and Plaintiff will thereby suffer irreparable harm. Plaintiff is without adequate remedy at law to prevent such harm and inquiry. 17. Plaintiff hereby requests the issuance of an Order of Delivery for the recovery of the Vehicle. Plaintiff further requests that the Clerk of this Court issue a Notice to be served upon the Defendant, which notice shall notify the Defendant that: a. An Order of Delivery of the Vehicle is sought; b. The Defendant has a right to object by written response filed with the Court Clerk and delivered or mailed to Plaintiff’s attorney within five (5) days after service of the Petition; and c. The Order of Delivery shall be issued by the Clerk in the event no written response is filed within the five-day period. WHEREFORE, Plaintiff demands: A. That the Clerk of this Court issue the above described Notice to the Defendant, and further that the Notice informs the Defendant, pursuant to Okla. Stat. tit 12, Section 1571.1, any person who willfully and knowingly damages property in which there exists a valid right to issuance of an Order of Delivery, or on which such Order has been sought under the provisions of Okla. Stat. tit 12, Section 1571, as amended, or who conceals it, with intent to interfere with the enforcement of the Order, or who removes it from the jurisdiction of this Court with the intention of defeating the enforcement of an Order of Delivery, or who willfully refuses to disclose its location to an officer charged with executing an Order for its delivery, or who, when in possession of such property, willfully interferes with the officer charged with executing such writ, shall be guilty of a misdemeanor, and in addition to such criminal penalties as are provided by law, shall be liable to Plaintiff for double the amount of damage done to the property, together with a reasonable attorney’s fee to be fixed by the Court; B. That this Court issue an Order for the immediately delivery of the Vehicle to Plaintiff; and C. That this Court render judgment in favor of Plaintiff against the Defendant for the possession of the Vehicle, decreeing that Plaintiff’s interests in the Vehicle are senior and prior to the interests of the Defendant and other lienholders, if any, in the Vehicle, and authorizing the foreclosure or other proper liquidation of Plaintiff’s security interest in the Vehicle. COUNT II VEHICLE SALE/NOTE AGREEMENT 18. Plaintiff incorporates Paragraphs 1-17 and above makes such Paragraphs a part hereof. 19. That Plaintiff further states that payment was due, according to the terms of said Sale/Note Agreement, made on the 22nd day of April, 2025, That Plaintiff further states that under the terms of the Sale/Note Agreement, the Defendant is in default of the Sale/Note Agreement and Plaintiff, as the owner and holder of said Sale/Note Agreement, has elected to declare the entire balance due and payable. 20. There is a balance due on the Sale/Note Agreement of $25,677.23 with interest in the amount of 8.24% per annum due on the unpaid balance from the 9th day of October, 2025 as provided in the Sale/Note Agreement, and costs associated with replevin as set forth in Count I. 21. Plaintiff is entitled to a reasonable attorney’s fee of fifteen percent (15%) of the unpaid balance and its other reasonable costs of collection under the terms of the Sale/Note Agreement and under Okla. Stat. tit 12, Section 936. 22. Plaintiff requests that upon entry of judgement herein favor of the Plaintiff, that the court also enter an Order directing the Oklahoma Employment Security Commission ("OESC") to produce information in its possession concerning the employment of the judgment debtor(s) for the preceding four quarters, upon service of a certified copy of said Order on the OESC in accordance with 40 I.S. § 4-508(D). Plaintiff further requests that the Order direct the OESC to produce the requested information within thirty-five (35) days from the date of service of the Order, pursuant to 40 O.S. § 4-508(D). 23. Pursuant to Title 15 U.S.C § 1692(G), Fair Debt Collection Practices Act, if applicable, unless the person or entity responsible for the payment of the above debt, within thirty-five (35) days after receipt of this notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid; and if said person or entity notifies the undersigned attorney ("Plaintiff's Council") for Plaintiff in writing within said thirty-five (35) day period that the debt, or any portion thereof, is disputed, said attorney will obtain verification of the debt and a copy of such verification will be mailed to said person or entity by the undersigned attorney for Plaintiff will provide the name and address of the original creditor, if different from the current creditor. The law does not require Plaintiff’s Counsel to wait until the end of the thirty-five (35) day period following first contact with the Defendant before suing the Defendant to collect the debt. Even though the law provides that the Defendant answer to the petition is to be filed in this action within thirty-five (35) days, the Defendant may main obtain an extension of that time. Furthermore, no requests will be made to the Court for a judgement until the expiration of thirty-five (35) days after receipt of this petition and summons. However if the Defendant request proof of the debt or the name and address of the original creditor within the thirty-five (35) day period that begins with the Defendant receipt of this petition and summons, the law requires the Plaintiff to cease efforts (through litigation or otherwise until the Plaintiff mail the requested information to the Defendant. The Defendant should consult an attorney for advice concerning his/her rights and obligations in this suit. This is an attempt to collect a debt (with the exception of a discharged debt in bankruptcy) and any information obtained will be used for that purpose. WHEREFORE, Plaintiff demands judgment against the Defendants is the principal amount of $25,677.23, less any offsets if the Vehicle in Count I is recovered or sold, and the proceeds so applied to the principal and interest, and interest at the rate of 8.24% per annum due on the unpaid balance from the 9th day of October, 2025, plus attorney's fees of fifteen percent (15%) of the unpaid balance, and costs of this action. Attorneys for Plaintiff HESKETT & HESKETT By: John Heskett (OBA #12333) 2401 Nowata Place Suite A Bartlesville, Oklahoma 74006 (918) 336-1773 VERIFICATION STATE OF OKLAHOMA ) COUNTY OF WASHINGTON ) ss: John Heskett, being duly sworn, says that he is the Attorney of the Plaintiff above named; that he has read the foregoing Petition for Replevin and is familiar with the contents thereof and that the facts therein set forth are true and correct. John Heskett Subscribed and sworn to before me this 20th day of February , 2026 Notary Public My Commission Expires: 6/6/2028 My Commission No.: 24007317 LAW 553-OK-ARB-eps 8/23 RETAIL INSTALLMENT SALE CONTRACT – SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Buyer Name and Address (Including County and Zip Code) ABIGAIL CRAIG 5213 S HARVARD AVE APT A TULSA, OK 74135 TULSA Cell: (918)871-0015 Email: [email protected] Co-Buyer Name and Address (Including County and Zip Code) N/A Cell: N/A Email: N/A Seller-Creditor (Whoever "we" or "us" or "our" refer to in this contract) PATRIOT CHEV 3800 Se Adams Bartlesville, OK EXHIBIT 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<br>Personal, family, or household unless otherwise indicated below<br>business<br>agricultural<br>N/A</th> </tr> <tr> <td>USED</td> <td>2021</td> <td>CHEVROLET EQUINOX</td> <td>94,304</td> <td>3GNAXKEV6MS131441</td> <td>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 $300.00 is</th> </tr> <tr> <td>8.24 %</td> <td>$ 8,322.52</td> <td>S 25,700.00</td> <td>$ 34,022.52</td> <td>$ 34,322.52</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>84</td> <td>$ 405.03</td> <td>MONTHLY beginning 06/06/2025</td> </tr> <tr> <td>N/A</td> <td>N/A</td> <td>N/A</td> </tr> </table> Late Charge. If payment is not received in full within 10 days after it is due, you will pay a late charge of $31.00 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 judicial 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 $ N/A sales/excise tax) $19,681.00 (1) 2 Total Downpayment = Trade-in N/A (Year) (Make) (Model) Gross Trade-In Allowance $ N/A Less Pay Off Made By Seller to N/A $ N/A Equals Net Trade In $ N/A + Cash $ 300.00 + 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) $ 300.00 (2) $ 19,381.00 (3) 3 Unpaid Balance of Cash Price (1 minus 2) 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 $ N/A C Other Optional Insurance Paid to Insurance Company or Companies $ N/A D Optional Gap Contract $ 1,200.00 E Official Fees Paid to Government Agencies to N/A for N/A $ N/A to N/A for N/A $ N/A to N/A for N/A $ N/A F Government Taxes Not Included in Cash Price $ N/A G Government License and/or Registration Fees $ N/A LICENSE AND/OR REGISTRATION FEES $ 10.00 H Government Certificate of Title Fees $ N/A I Other Charges (Seller must identify & is paid and describe purpose.) to N/A for Prior Credit or Loan Balance $ N/A to PATRIOT CHEVROLET for DOCUMENT FEE $ 609.00 to ALPHA WARRANTY SERVI for SERVICE CONTRACT $ 4,500.00 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 $ 6,319.00 (4) 5 Amount Financed (3 + 4) $ 25,700.00 (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 ____84__ Mos N/A Name of Gap Contract I want to buy a ______? Buyer Signs X ____________________________ 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 required 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. If 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 Other optional insurance is not required to obtain credit. Your decision to buy or not buy other optional insurance will not be a factor in the credit approval process. It will not be provided unless you sign and agree to pay the extra cost. I want the insurance checked above. X _____ N/A ___ N/A Buyer Signature Date X _____ N/A ___ N/A Co-Buyer Signature Date THIS INSURANCE DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSURANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. LAW 553-OK-ARB-eps 8/23 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 HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. ARBITRATION PROVISION PLEASE REVIEW - IMPORTANT - AFFECTS YOUR LEGAL RIGHTS 1. EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN 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 have 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 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 Buyer Printed Name ABIGAIL CRAIG Date 04/22/2025 Co-Buyer Signs X Co-Buyer Printed Name N/A Date N/A If the "business" use box is checked in "Primary Use for Which Purchased": Print Name N/A Address 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 Signed X Address N/A Title N/A Seller Signed PATRIOT CHEVROLET Date 04/22/2025 By X Title F&I MNGR Seller assigned its interest in this contract to TRUITY FEDERAL CREDIT UNION (Assignee) under the terms of Seller's agreement(s) with Assignee: [ ] Assigned with recourse [X] Assigned without recourse [ ] Assigned with limited recourse Seller PATRIOT CHEVROLET By X Title FINANCE MANAGER SERVICE: OKLAHOMA LIEN RECEIPT VIN: 3GNAXKEV6MS131441 VEHYR : 2021 MAKE : CHEV MODEL : EQUINOX BODY : UT LIEN DATE: 04/22/2025 LIEN DEBTOR: CRAIG. ABIGAIL TRUITY FEDERAL CREDIT UNION PO BOX 1358 BARTLESVILLE OK 74005-1358