Truity Federal Credit Union v. Mason Nolen and Miranda Nolen

IN THE DISTRICT COURT IN AND FOR TULSA STATE OF OKLAHOMA TRUITY FEDERAL CREDIT UNION, Plaintiff, vs. MASON NOLEN and MIRANDA NOLEN an individual, Defendant. PETITION FOR REPLEVIN COMES NOW the Plaintiff, Truity Federal Credit Union ('Plaintiff'), and for its cause of action against the Defendant, Mason Nolen and Miranda Nolen, 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, Mason Nolen and Miranda Nolen, is an individual who resides 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 October, 2022, 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 $28,737.00 plus interest at the rate of 7.99% per annum in seventy-two (72) 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. 2019 GMC Terrain Serial Number: 3GKALMEV5KL354890 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 22nd day of November, 2022. 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 $19,477.49, with interest in the amount of 7.99% due on the unpaid balance from 28th day of October, 2025. 11. The actual value of the Vehicle is estimated at $8,925.00. 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 detaining 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 October, 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 $19,477.49 with interest in the amount of 7.99% per annum due on the unpaid balance from the 28th 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 $19,477.49, 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 7.99% per annum due on the unpaid balance from the 28th 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 28th day of February, 2026 Notary Public My Commission Expires: 6/6/2028 My Commission No.: 24007317 RETAIL INSTALLMENT SALE CONTRACT SIMPLE FINANCE CHARGE 0003477 Buyer Name and Address (Including County and Zip Code) MASON NOLEN 1101 W HOUSTON ST BROKEN ARROW OK 74012 COUNTY: TULSA Cell: (258)770-9228 Email: Co-Buyer Name and Address (Including County and Zip Code) MIRANDA NOLEN 1101 W HOUSTON ST BROKEN ARROW OK 74012 COUNTY: TULSA Cell: (612)200-3895 Email: [email protected] Seller-Creditor (Name and address) JIM NORTON CHEVROLET 3131 N ASPEN AVE BROKEN ARROW 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>2019</td> <td>GMC Terrain</td> <td>28181</td> <td>3GKALMEV5KL354890</td> <td> Personal, family, or household unless otherwise indicated below<br> [ ] business<br> [ ] agricultural<br> [ ] 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 $500.00.</th> </tr> <tr> <td>7.99%</td> <td>$7848.92</td> <td>$28737.00</td> <td>$36385.92</td> <td>$36885.92</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>$505.36</td> <td>MONTHLY beginning 12/06/2022</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 $20.00 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. [ ] 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 losses 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. 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 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. 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: [Signature] Co-Buyer Signs: [Signature] 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. 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 refunded 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 unused 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 unused 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. ITEMIZATION OF AMOUNT FINANCED 1. Cash Price (including $__________ N/A __ sales/excise tax) $ 23095.00 (1) 2. Total Downpayment = Trade-in: Chevrolet Cruise Year: (Year) (Make) (Model) Gross Trade-In Allowance $ 500.00 Less Pay Off Made By Seller to N/A $ N/A Equals Net Trade In $ 500.00 + Cash $ N/A + Other N/A $ N/A + Other N/A $ N/A + Other N/A $ N/A (If total downpayment is negative, enter "0" and see 4 below) $ 500.00 (2) Unpaid Balance of Cash Price (1 minus 2) $ 22595.00 (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 $ 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. Colonial Car Contract $ 900.00 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 to N/A for N/A $ N/A F. Government Taxes Not Included In Cash Price $ N/A G. Government Licenses and/or Registration Fees LIEN FEE $ 10.00 Government Certificate of Title Fees $ N/A Other Charges (Seller must identify who it paid and describe purpose.) to N/A for Prior Credit or Lease Balance $ 0.00 to JM NORTON CHEVROLET for DOC. $ 399.00 to N/A for N/A $ N/A to N/A for VEHICLE SERVICE CONTRACT $ 4833.00 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 Total Other Charges and Amounts Paid to Others on Your Behalf $ 6142.00 (4) 5. Amount Financed (3 + 4) $ 28737.00 (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 72 Mos. Name of Gap Contract GAPWise I want to buy a gap contract X 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. 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 confirm that you received a completely filled-in copy when you signed it. Buyer Signed ___________________ Date 10/22/2022 Co-Buyer Signed ___________________ Date 10/22/2022 Buyer Printed Name MASON 'NOLEN' Co-Buyer Printed Name MIRANDA 'NOLEN' If the "business" use box is checked in "Primary Use for Which Purchased"; Print Name 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 N/A Address N/A Seller signs JM NORTON CHEVROLET Date 10/22/2022 By ____________________ Title F&I MGR Seller assigns its interest in this contract to TRUITY CREDIT UNION (Assignee) under the terms of Seller's agreement(s) with Assignee. ☐ Assigned with recourse ☒ Assigned without recourse ☐ Assigned with limited recourse By ____________________ Title F&I MGR insurance. You may buy the physical damage insurance the 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 Single Interest Insurance is checked below or page 1 of this contract. If the insurance is checked below, policies or certificates from the named insurance company 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 N/A Home Office Address N/A 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 the insurance, the cost as shown in Item 4A of the Itemization of Amount Financed. Credit life insurance is based on your original term for the contract. This insurance may not pay all damages owed on the 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 ☐ N/A Type of Insurance N/A Term Premium $ N/A Insurance Company Name N/A Home Office Address N/A ☐ N/A Type of Insurance N/A Term 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. CERTIFICATE OF TITLE STATE OF OKLAHOMA VEHICLE IDENTIFICATION NUMBER 3GKALMEV5KL354890 YEAR 2019 MAKE GMC BODY TYPE UT MODEL TERRAIN DATE 1st SOLD AGENT NO. [REDACTED] COLOR Black APPLICATION DATE 21-Nov-2022 ODOMETER 28181 Actual TYPE OF TITLE Transfer DATE INS LOSS OR SALVAGE EXHIBIT B MAILING ADDRESS TRUTY FEDERAL CREDIT UNION PO BOX 1358 BARTLESVILLE OK 74005-1358 THIS VEHICLE IS SUBJECT TO THE FOLLOWING LIEN(S): 10/22/2022 TRUTY FEDERAL CREDIT UNION NAME AND ADDRESS OF THE VEHICLE OWNER MASON NOLEN And MIRANDA NOLEN 1101 W HOUSTON ST APT 513 BROKEN ARROW OK 74012-3751 "It is hereby certified that according to the records of the Oklahoma Tax Commission, the person named herein is the owner of the vehicle described above which is subject to a lien(s) as shown; however, the vehicle may be subject to other liens or security interest." CONTROL NO. [REDACTED] (This is not a title number) ASSIGNMENT OF TITLE BY REGISTERED OWNER (If Dealer, List License # Here: ________________ ) IF REGISTERED OWNER(S) (IF ANY) IS A LICENSED DEALER PLACE OKLAHOMA MOTOR VEHICLE TAX STAMP HERE I/we hereby assign and warrant ownership of the vehicle described on this certificate to the following, subject only to the liens or encumbrances, if any, properly noted on this certificate. Purchaser(s) Name (Type or Print): ____________________________________________________________________________ Purchaser(s) Complete Address: _____________________________________________________________________________ Actual Purchase Price of Vehicle: ______________________ I certify to the best of my knowledge that the ODOMETER READING reflected on the vehicle's odometer and listed below is the ACTUAL MILEAGE of the vehicle UNLESS one of the accompanying statements is checked: [ ] 1. The odometer has exceeded its mechanical limits [ ] 2. The odometer reading is NOT the actual mileage. Warning — Odometer Discrepancy Signature of Seller(s): _______________________________________ Printed Name of Seller(s): __________________________ Subscribed and Sworn to Before me this __________________ Day of ____________________, 20________ Notary Public: ______________________________________ Commission Expiration: ____________________________ Notarization required only of seller's signature(s). Affix notary seal/stamp to the right. Signature of Buyer(s): _______________________________________ Printed Name of Buyer(s): ________________________