MTC Federal Credit Union v. Chuck E. Wright

IN THE DISTRICT COURT IN AND FOR CARTER COUNTY, STATE OF OKLAHOMA MTC FEDERAL CREDIT UNION, ) ) ) Case No. CJ-2026-93 ) vs. ) CHUCK E. WRIGHT, ) MCR 11 2e26 ) ) Defendant. PETITION COMES NOW, the Plaintiff above named, MTC Federal Credit Union, hereinafter referred to as "MTC," and for its cause of action against the Defendant above named, Chuck E. Wright, sets forth the following, to-wit: 1. The Plaintiff would show that Defendant, Chuck E. Wright executed a Loan and Security Agreements and Disclosure Statement in favor of the Plaintiff dated August 31, 2023, for the principal sum of $16,573.01, being referred to herein as Loan No. 0010, a copy of which is attached hereto as Exhibit "A" and incorporated herein by reference. 2. The Plaintiff would show that by virtue of the execution of Loan No. 0010, Chuck W. Wright pledged the following described personal property as collateral for the satisfaction of Loan No. 0010, to-wit: 2013 Chrysler 300 VIN# 2C3CCAAG6DH740325 3. The Plaintiff would show the Court that it has exercised its rights to self-help repossession, has taken possession of the 2013 Chrysler 300 described above on December 5, 2025, and sold said property at public auction on December 31, 2025, for the net sum of $1,735.00, as detailed on Exhibit “B” attached hereto and incorporated herein by reference, resulting in a remaining deficiency balance of $12,791.68 being owed on Loan No. 0010. 4. The Plaintiff would show that Loan No. 0010 is in default pursuant to the terms and conditions thereof, including, but not limited to, failure of Chuck E. Wright to satisfy the payments due and owing thereon under the terms and conditions thereof when due, and is therefore in default thereon. There is due and owing under the terms and conditions of Loan No. 0010, the sum of $12,791.68, as of February 4, 2026, as set forth in detail on the Account Summary, attached as Exhibit “C” and incorporated herein by reference. 5. The Plaintiff moves the Court to enter a money judgment in favor of the Plaintiff as against the Defendant, Chuck E. Wright in the amount of $12,791.68, as of February 4, 2026, plus interest accrued and accruing at the contractual rate, plus a reasonable attorney fee and all costs incurred herein. 6. The Plaintiff would show that Defendant, Chuck E. Wright executed a Loan and Security Agreements and Disclosure Statement in favor of the Plaintiff dated September 1, 2023, for the principal sum of $9,680.92, being referred to herein as Loan No. 0011, a copy of which is attached hereto as Exhibit “D” and incorporated herein by reference. 7. The Plaintiff would show that by virtue of the execution of Loan No. 0011, Chuck E. Wright pledged the following described personal property as collateral for the satisfaction of Loan No. 0011, to-wit: 2010 Ford F150 VIN# 1FTEW1C85AKA58042 8. The Plaintiff would show that Loan 0011, described herein, is in default pursuant to the terms and conditions thereof, including, but not limited to, failure of Defendant to satisfy the payments due and owing thereon under the terms and conditions thereof, when due. There is due and owing under the terms and conditions of Loan 0011, the sum of $5,656.03, as of March 4, 2026, as set forth on Exhibit “C” attached hereto and incorporated herein by reference, plus interest accrued and accruing at the contractual rate. The Plaintiff therefore moves the Court to enter a money judgment against Chuck E. Wright in the amount of $5,656.03, as of March 4, 2026, plus interest accrued and accruing at the contractual rate, plus court costs and a reasonable attorney fee. 9. The Plaintiff has verified and confirmed that Defendant Chuck E. Wright is not in the military and as such, no provisions of the Servicemembers Civil Relief Act (formerly the Soldiers and Sailors Relief Act), nor any similar law applies to such Defendant. 10. The Plaintiff would show that in accordance with the Fair Debt Collection Practices Act, unless the consumers, within thirty days after the receipt of this notice, dispute the validity of any portion of the debt, the debt will be assumed valid. If said consumer notifies the undersigned attorney for Plaintiff in writing, within said thirty-day period, that any portion of the debt is disputed, said attorney will obtain a verification of the indebtedness, and/or judgment, and a copy of said verification will be mailed to said consumer by the undersigned attorneys for Plaintiff. The undersigned attorney for Plaintiff will provide the name and address of the original creditor, which is not different from the Plaintiff, upon a written request by the consumer within the thirty-day period. This is an attempt to collect a debt, and any information obtained will be used for that purpose. WHEREFORE, premises considered, the Plaintiff seeks a money judgment against the Defendant, Chuck E. Wright for the sum of $12,791.68, as of February 4, 2026, for the sum of $5,656.03, as of March 4, 2026, plus interest accrued and accruing at the contractual rate, plus a reasonable attorney fee and all costs incurred herein. The Plaintiff further moves the Court for an Order that the Plaintiff has complied with the provisions of the Servicemembers Civil Relief Act (formerly the Soldiers and Sailors Relief Act), and for such other and further relief as this Court deems just and equitable. MORDY, MORDY, PFREHM & WILSON, P.C. By ________________________________ MIKE MORDY, OBA #6372 CARRIE PFREHM, OBA #22274 BRADLEY WILSON, OBA #22771 CONNER DUNN, OBA #35102 110 West Main Street P. O. Box 457 Ardmore, Oklahoma 73402 (580) 223-4384 Attorneys for Plaintiff MTC FEDERAL CREDIT UNION Loan and Security Agreements and Disclosure Statement Covered Borrower Under Military Lending Act LOAN DATE 08/31/23 ACCOUNT NUMBER LOAN NUMBER 0010 MATURITY DATE 03/20/29 BORROWER 1 (Name & Address) Chuck E Wright 1814 Springdale Rd Ardmore, OK 73401 BORROWER 2 (Name & Address) BORROWER 3 (Name & Address) BORROWER 4 (Name & Address) TRUTH IN LENDING DISCLOSURE (‘e’ means an estimate) <table> <tr><th>ANNUAL PERCENTAGE RATE</th><th>FINANCE CHARGE</th><th>Amount Financed</th><th>Total of Payments</th><th>Total Sale Price</th></tr> <tr><td>The cost of Your credit as a yearly rate.</td><td>The dollar amount the credit will cost You.</td><td>The amount of credit provided to You or on Your behalf.</td><td>The amount You will have paid after You have made all payments as scheduled.</td><td>The total cost of Your purchase on credit which includes Your downpayment of</td></tr> <tr><td>17.950 %</td><td>$ 10,256.70</td><td>$ 16,573.01</td><td>$ 29,517.62</td><td>$</td></tr> </table> Your Payment Schedule Will Be: <table> <tr><th>Number of Payments</th><th>Amount of Payments</th><th>When Payments Are Due</th></tr> <tr><td>65</td><td>$ 448.00</td><td>Monthly, Beginning On 10/20/2023</td></tr> <tr><td>1</td><td>$ 397.62</td><td>Final Payment On 03/20/2029</td></tr> </table> Prepayment: If You pay off early You will not have to pay a penalty. Required Deposit: The Annual Percentage Rate does not take into account Your required deposit, if any. Demand: ☐ This obligation has a demand feature. ☐ All disclosures are based on an assumed maturity of one year. Property Insurance: You may obtain property insurance from anyone You want that is acceptable to the Credit Union. If You get the insurance from the Credit Union You will pay $ N/A Filing Fees $ 10.00 Non-Filing Insurance $ N/A Late Charge: If payment is more than 14 days late, You will be charged a late fee of 5% of Your monthly payment with a minimum of $5.00 and a maximum of $25.00 per loan unless limited by other applicable law. Security: Collateral securing other loans with the Credit Union may also secure this Loan. You are giving a security interest in Your shares and dividends and, if any, Your deposits and interest in the Credit Union; and the Property described below: Collateral Chrysler Property/Model/Make 300 Year 2013 I.D. Number 2C3CCAAG6DH740325 Type Value $ 13,663.00 Key Number $ Other (Describe) Pledge of Shares $ _______ in Account No. _______ $ _______ in Account No. ____________ See Your contract documents for any additional information about nonpayment, default, and any required repayment in full before the scheduled date. ITEMIZATION OF THE AMOUNT FINANCED (‘e’ means an estimate) <table> <tr><th>itemization of Amount Financed of</th><th>Amount Given to You Directly</th><th>Amount Paid on Your Account</th><th>Prepaid Finance Charge</th></tr> <tr><td>16,573.01</td><td>$</td><td>$</td><td>$</td></tr> </table> Amounts Paid to Others on Your Behalf: (If an amount is marked with an asterisk (*) We will be retaining a portion of the amount.) | Amount | To | Amount | |--------|----|--------| | $13,999.01 | Seth Wadley | $2,069.00 | | $495.00 | GAP Fee | $10.00 | | $ | To | $ | | $ | To | $ | | $ | To | $ | | $ | To | $ | MTC FEDERAL CREDIT UNION Post Office Box 1444 Greenville, SC 29662 www.mtcfcu.com 866-445-7792 MILITARY LENDING ACT DISCLOSURES Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). A "Covered Borrower" for purposes of this loan means a consumer who, at the time the consumer becomes obligated on this loan, is a covered member or a dependent of a covered member as defined by the Military Lending Act. A Covered Borrower does not mean a consumer who (though a Covered Borrower at the time he or she became obligated on this transaction) no longer is a covered member or a dependent of a covered member as defined by the Military Lending Act. LOAN AGREEMENT In this Loan Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears above and anyone to whom the Credit Union assigns or transfers this Agreement. All references to "You" or "Your" mean each person who signs, or otherwise authenticates, this Agreement as a borrower. 1. PROMISE TO PAY - You promise to pay $16573.01 to the Credit Union plus interest on the unpaid balance until what You owe has been repaid. For fixed rate loans, the interest rate is 17.950 % per year. Collection Costs: You promise to pay all costs of collecting the amount You owe under the Agreement, including court costs and reasonable attorney fees. 2. PAYMENTS - You promise to make payments of the amount and at the time shown in the Truth in Lending Disclosure. You may prepay any amount without penalty. If You prepay any part of what You owe, You are still required to make the regularly scheduled payments, unless We have agreed to a change in the payment schedule. Because this is a simple interest loan, if You do not make payments exactly as scheduled, Your final payment may be more or less than the amount of the final payment that is disclosed. If You elect voluntary payment protection, We will either include the premium or program fee(s) in Your payments or extend the term of Your loan. If the term is extended, You will be required to make additional payments of the scheduled amount, until what You owe has been paid. You promise to make all payments to the place We choose. If this loan refinances another loan You have with Us, the other loan will be canceled and refinanced as of the date of this loan. Unless otherwise required by law, payments will be applied to amounts owed in the manner We choose. 3. LOAN PROCEEDS BY MAIL - If the proceeds of this loan are mailed to You, interest on this loan begins on the date the loan proceeds are mailed to You. 4. SECURITY FOR LOAN - This Agreement is secured by all property described in the "Security" section of the Truth in Lending Disclosure. Property securing other loans You have with Us also secures this loan, unless the property is a dwelling or otherwise prohibited by federal and/or state law. In addition to Your pledge of shares, We may also have what is known as a statutory lien on all individual and joint accounts You have with Us. A statutory lien means We have the right under federal and/or state law to claim an interest in Your accounts. Unless otherwise prohibited by federal and/or state law, We can enforce a statutory lien against Your shares and dividends and, if any, interest and deposits, in all individual and joint accounts You have with Us to satisfy any outstanding financial obligation that is due and payable to Us. We may exercise Our right to enforce this lien without further notice to You, to the extent permitted by law. For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts You have with the Credit Union now and in the future. The statutory lien and/or Your pledge will allow Us to apply the funds in Your account(s) to what You owe when You are in default. If a dollar amount and account number are listed in the "Security" section of the Truth in Lending Disclosure, You may not withdraw the amount that has been specifically pledged to secure this loan until the Credit Union agrees to release all or part of the pledged amount. The statutory lien and Your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. 5. DEFAULT - You will be in default under this Agreement if You do not make a payment of the amount required on or before the date it is due. You will be in default if You break any promise You made in connection with this loan or if anyone is in default under any security agreement made in connection with this Agreement. You will be in default if You die, file for bankruptcy, become insolvent (that is, unable to pay Your bills and loans as they become due), or if You made any false or misleading statements in Your loan application. You will also be in default if something happens that We believe may seriously affect Your ability to repay what You owe under this Agreement or if You are in default under any other loan agreement You have with Us. 6. ACTIONS AFTER DEFAULT - When You are in default, We may demand immediate payment of the entire unpaid balance under this Agreement. If We demand immediate payment, You will continue to pay interest at the rate provided for in this Agreement, until what You owe has been repaid. We will also apply against what You owe any shares and/or deposits given as security under this Agreement. We may also exercise any other rights given by law when You are in default. Unless You are a Covered Borrower under the Military Lending Act, You waive any right You have to receive demand for payment, notice of intent to demand immediate payment and notice of demand for immediate payment. 7. EACH PERSON RESPONSIBLE - Each person who signs, or otherwise authenticates, this Agreement will be individually and jointly responsible for paying the entire amount owed under this Agreement. This means We can enforce Our rights against any one of You individually or against all of You together. 8. LATE CHARGE - If You are late in making a payment, You promise to pay the late charge shown in the Truth in Lending Disclosure. If no late charge is shown, You will not be charged one. 9. DELAY IN ENFORCING RIGHTS - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. 10. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 11. NOTICES - Notices will be sent to You at the most recent address You have given Us in writing. Notice to any one of You will be notice to all. 12. USE OF ACCOUNT - You promise to use Your account for consumer (personal, family or household) purposes, unless the Credit Union gives You written permission to use the account also for agricultural or commercial purposes, or to purchase real estate. 13. NO ORAL AGREEMENTS -- THIS NOTE CONSTITUTES A "WRITTEN LOAN AGREEMENT" PURSUANT TO SECTION 26.02 OF THE TEXAS BUSINESS AND COMMERCE CODE, IF SUCH SECTION APPLIES. THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 14. The following is required by Vermont law: NOTICE TO COSIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 15. NOTICE TO UTAH BORROWERS: This written Agreement is the final expression of the Agreement between You and the Credit Union. This written Agreement may not be contradicted by evidence of any oral agreement. 16. OTHER PROVISIONS - SECURITY AGREEMENT In this Security Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears on this document and anyone to whom the Credit Union assigns or transfers this Agreement. All references to the "Loan" mean the loan described in the Loan Agreement that is part of this document. All references to "You" or "Your" mean any person who signs, or otherwise authenticates, this Agreement. 1. THE SECURITY FOR THE LOAN - You give Us what is known as a security interest in the Property described in the "Security" section of the Truth in Lending Disclosure that is part of this document ("the Property"). The security interest You give includes all accessions. Accessions are things which are attached to or installed in the Property now or in the future. The security interest also includes any replacements for the Property which You buy within 10 days of the Loan and any extensions, renewals or refinancings of the Loan. It also includes any money You receive from selling the Property or from insurance You have on the Property. If the value of the Property declines, You promise to give Us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Loan and any extensions, renewals or refinancings of the Loan. Unless prohibited by applicable law, the security interest also secures any other loans, including any credit card loan, You have now or receive in the future from Us and any other amounts You owe Us for any reason now or in the future, except any loan secured by Your principal dwelling. If the Property is household goods as defined by the Federal Trade Commission Credit Practices Rule or Your principal dwelling, the Property will secure only this Loan and not other loans or amounts You owe Us. 3. OWNERSHIP OF THE PROPERTY - You promise that You own the Property or, if this Loan is to buy the Property, You promise You will use the Loan proceeds for that purpose. You promise that no one else has any interest in or claim against the Property that You have not already told Us about. You promise not to sell or lease the Property or to use it as security for a loan with another creditor until the Loan is repaid. You promise You will allow no other security interest or lien to attach to the Property either by Your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If Your state issues a title for the Property, You promise to have Our security interest shown on the title. We may have to file what is called a financing statement to protect Our security interest from the claims of others. You irrevocably authorize Us to execute (on Your behalf), if applicable, and file one or more financing, continuation or amendment statements pursuant to the Uniform Commercial Code (UCC) in a form satisfactory to Us. You promise to do whatever else We think is necessary to protect Our security interest in the Property. You also promise to pay all costs, including but not limited to any attorney fees, We incur in protecting Our security interest and rights in the Property, to the extent permitted by applicable law. 5. USE OF PROPERTY - Until the Loan has been paid off, You promise You will: (1) Use the Property carefully and keep it in good repair. (2) Obtain Our written permission before making major changes to the Property or changing the address where the Property is kept. (3) Inform Us in writing before changing Your address. (4) Allow Us to inspect the Property. (5) Promptly notify Us if the Property is damaged, stolen or abused. (6) Not use the Property for any unlawful purpose. (7) Not retitle the Property in another state without telling Us. 6. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the Property and to keep the Property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to Us. You may provide the property insurance through a policy You already have, or through a policy You get and pay for. You promise to make the insurance policy payable to Us and to deliver the policy or proof of coverage to Us if asked to do so. If You cancel Your insurance and get a refund, We have a right to the refund. If the Property is lost or damaged, We can use the insurance settlement to repair the Property or apply it towards what You owe. You authorize Us to endorse any draft or check which may be payable to You in order for Us to collect any refund or benefits due under Your insurance policy. If You do not pay the taxes or fees on the Property when due or keep it insured, We may pay these obligations, but We are not required to do so. Any money We spend for taxes, fees or insurance will be added to the unpaid balance of the Loan and You will pay interest on those amounts at the same rate You agreed to pay on the Loan. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor Our loans for the purpose of determining whether You and other borrowers have complied with the insurance requirements of Our loan agreements or may engage others to do so. The insurance charge added to the Loan may include (1) the insurance company's payments to Us and (2) the cost of determining compliance with the insurance requirements. If We add amounts for taxes, fees or insurance to the unpaid balance of the Loan, We may increase Your payments to pay the amount added within the term of the insurance or term of the Loan. 7. INSURANCE NOTICE - If You do not purchase the required property insurance, the insurance We may purchase and charge You for will cover only Our interest in the Property. The premium for this insurance may be higher because the insurance company may have given Us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 8. DEFAULT - You will be in default if You break any promise You make or fail to perform any obligation You have under this Agreement. You will also be in default under this Agreement if the Loan is in default. You will be in default if any Property You have given Us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the Property or Our security interest in it. 9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When You are in default, We may demand immediate payment of the outstanding balance of the Loan without giving You advance notice and take possession of the Property. You agree the Credit Union has the right to take possession of the Property without judicial process if this can be done without breach of the peace. If We ask, You promise to deliver the Property at a time and place We choose. If the Property is a motor vehicle or boat, You agree that We may obtain a key or other device necessary to unlock and operate it, when You are in default. We will not be responsible for any other property not covered by this Agreement that You leave inside the Property or that is attached to the Property. We will try to return that property to You or make it available for You to claim. After We have possession of the Property, We can sell it and apply the money to any amounts You owe Us. We will give You notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and selling the Property will be deducted from the money received from the sale. Those costs may include the cost of storing the Property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. If You have agreed to pay the Loan, You must pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Loan and to what You owe under this Agreement. You agree to pay interest on that amount at the same rate as the Loan until that amount has been paid. 10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. If We change the terms of the Loan, You agree that this Agreement will remain in effect. 11. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 12. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for You to fail to return a motor vehicle that is subject to a security interest, within thirty days after You have received notice of default. The notice will be mailed to the address You gave Us. It is Your responsibility to notify Us if Your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.00. The following notice applies ONLY when the box at left is marked. 13. 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. 14. OTHER PROVISIONS - SIGNATURES By signing, or otherwise authenticating, as Borrower, You agree to the terms of the Loan Agreement. If Property is described in the "Security" section of the Truth in Lending Disclosure, You also agree to the terms of the Security Agreement. If You sign, or otherwise authenticate, as "Owner of Property" You agree only to the terms of the Security Agreement. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT Borrower 1 Signature Date 08/31/2023 (Seal) Borrower 2 Signature Date 08/31/2023 (Seal) Signature Date 08/31/2023 (Seal) Signature Date 08/31/2023 (Seal) [ ] Borrower 3: [ ] Owner of Property [ ] Witness [ ] Borrower 4: [ ] Owner of Property [ ] Witness Seller Net Settlement INVOICE DATE: 01/02/2026 SELLER: MTC FEDERAL CREDIT UNION M0605 201 BROOKFELD PKWY SUITE 100 GREENVILLE, SC 29607 <table> <tr> <th>Date</th> <th>Vin</th> <th>Miles</th> <th>Description</th> <th>Amount</th> </tr> <tr> <td>12/31/25</td> <td>2C3CCAAG6DH740325</td> <td>143,981</td> <td>2013 Chrysler 300</td> <td>-$1,900.00</td> </tr> <tr> <td>12/31/25</td> <td>2C3CCAAG6DH740325</td> <td>143,981</td> <td>Sell Fee</td> <td>$125.00</td> </tr> <tr> <td>12/31/25</td> <td>2C3CCAAG6DH740325</td> <td>143,981</td> <td>Condition Report $15.00</td> <td>$15.00</td> </tr> <tr> <td>12/31/25</td> <td>2C3CCAAG6DH740325</td> <td>143,981</td> <td>Wash & Vac $25.00</td> <td>$25.00</td> </tr> <tr> <td colspan="4">Seller Due</td> <td>-$1,735.00</td> </tr> </table> 100 98168 -10 C. nasitt <table> <tr> <th>Units 1</th> <th>Seller Net</th> <th>-$1,735.00</th> </tr> <tr> <th></th> <th>Seller Paid</th> <th>$0.00</th> </tr> <tr> <th></th> <th>Total Seller Due</th> <th>-$1,735.00</th> </tr> </table> Account 0010098168 Collection Info CHUCK E WRIGHT 1814 SPRINGDALE RD ARDMORE, OK 73401 CU Revoked ODT COMMENTS CALL COLLECTIONS BEFORE APPLYING PYMNTS LN10/11 RTC EXP 10/14/25 CPI LN 11 EFF 12/22/25 CHARGE OFF - CONTACT COLLECTIONS CALL COLLECTIONS-LEGAL CHARGE OFF - CONTACT COLLECTIONS Home: 580-768-3346 Work: Cell: 580-630-2770 E-mail: [email protected] SSN: 445-66-4923 Birth Date: 10/10/1950 Other Acct (s): 0010098168 Employer: SOUTHERN OK Account Type: Charge Off Account Account Branch: 0012 Reference 1: Charvez Wright 972-654-3484 Other Reference 2: Vechayaa Wright 972-654-3484 Other ■ Loan 0010: CHARGE OFF REPO'D 2013 CHRYSLE Legal NO BATCH POSTING ALLOWED Charged Off Loan DQ Amount: 1,344.00 Due Date: 08/20/2025 Late Charge Due: 0.00 Payment Frequency: Monthly Payment: 0.00 Last Pmt: 07/21/2025 Partial Payment: 0.00 Days Past Due: 202 Balance: 12,791.68 Original Date: 08/31/2023 Original Amount: 16,573.01 TOTAL Due: 1,344.00 Charge-Off Date: 02/04/2026 Charge-Off Type: 08 Charge-Off Amount: 12,791.68 Loan Purpose: E (550 - 599) ■ Loan 0011: CHARGE OFF 2010 FORD F-150-LEG Legal NO BATCH POSTING ALLOWED DQ Amount: 2,220.33 Due Date: 08/20/2025 Late Charge Due: 0.00 Payment Frequency: Monthly Payment: 0.00 Last Pmt: 03/10/2026 Partial Payment: 43.50 Days Past Due: 202 Balance: 5,656.03 Original Date: 09/01/2023 Original Amount: 9,680.92 TOTAL Due: 2,220.33 * Payment(s) in the amount of 43.50 have been made to Loan 0011 today. Charge-Off Date: 03/04/2026 Charge-Off Type: 05 Charge-Off Amount: 5,699.53 Loan Purpose: E (550 - 599) Total Delinquency Amount: 3,564.33 Loan and Security Agreements and Disclosure Statement Covered Borrower Under Military Lending Act LOAN DATE: 09/01/23 ACCOUNT NUMBER LOAN NUMBER: 0011 MATURITY DATE: 09/20/27 BORROWER 1 (Name & Address) Chuck E Wright 1814 Springdale Rd Ardmore, OK 73401 BORROWER 2 (Name & Address) BORROWER 3 (Name & Address) BORROWER 4 (Name & Address) TRUTH IN LENDING DISCLOSURE ('e' means an estimate) ANNUAL PERCENTAGE RATE: The cost of Your credit as a yearly rate. FINANCE CHARGE: The dollar amount the credit will cost You. Amount Financed: The amount of credit provided to You or on Your behalf. Total of Payments: The amount You will have paid after You have made all payments as scheduled. Total Sale Price: The total cost of Your purchase on credit which includes Your downpayment of $____. 17.950 % $4,209.00 $9,680.92 $14,998.19 $ Your Payment Schedule Will Be: Number of Payments Amount of Payments When Payments Are Due 47 $313.00 Monthly, Beginning On 10/20/2023 1 $287.19 Final Payment On 09/20/2027 Prepayment: If You pay off early You will not have to pay a penalty. Required Deposit: The Annual Percentage Rate does not take into account Your required deposit, if any. Demand: □ This obligation has a demand feature. □ All disclosures are based on an assumed maturity of one year. Property Insurance: You may obtain property insurance from anyone You want that is acceptable to the Credit Union. If You get the insurance from the Credit Union You will pay $ N/A Filing Fees $21.00 Non-Filing Insurance $N/A Late Charge: If payment is more than 14 days late, You will be charged a late fee of 5% of Your monthly payment with a minimum of $5.00 and a maximum of $25.00 per loan unless limited by other applicable law. Security: Collateral securing other loans with the Credit Union may also secure this Loan. You are giving a security interest in Your shares and dividends and, if any, Your deposits and interest in the Credit Union; and the Property described below: Collateral: Ford F-150 Year: 2010 I.D. Number: 1FTEW1C85AKA58042 Type: Value: $10,641.00 Key Number: $ Other (Describe): Pledge of Shares $ in Account No. $ in Account No. See Your contract documents for any additional information about nonpayment, default, and any required repayment in full before the scheduled date. ITEMIZATION OF THE AMOUNT FINANCED ('e' means an estimate) <table> <tr> <th>Itemization of Amount Financed of</th> <th>Amount Given to You Directly</th> <th>Amount Paid on Your Account</th> <th>Prepaid Finance Charge</th> </tr> <tr> <td>$ 9,680.92</td> <td>$</td> <td>$</td> <td>$</td> </tr> <tr> <td colspan="4">Amounts Paid to Others on Your Behalf: (If an amount is marked with an asterisk (*) We will be retaining a portion of the amount.)</td> </tr> <tr> <td>$ 7,425.70 To MTC Loan 8</td> <td>$ 1,739.22</td> <td>To MTC Loan 9</td> </tr> <tr> <td>$ 495.00 To GAP Fee</td> <td>$ 21.00</td> <td>To Lien Fee</td> </tr> <tr> <td>$ To</td> <td>$</td> <td>To</td> </tr> <tr> <td>$ To</td> <td>$</td> <td>To</td> </tr> <tr> <td>$ To</td> <td>$</td> <td>To</td> </tr> <tr> <td>$ To</td> <td>$</td> <td>To</td> </tr> <tr> <td>$ To</td> <td>$</td> <td>To</td> </tr> </table> MILITARY LENDING ACT DISCLOSURES Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). A "Covered Borrower" for purposes of this loan means a consumer who, at the time the consumer becomes obligated on this loan, is a covered member or a dependent of a covered member as defined by the Military Lending Act. A Covered Borrower does not mean a consumer who (though a Covered Borrower at the time he or she became obligated on this transaction) no longer is a covered member or a dependent of a covered member as defined by the Military Lending Act. LOAN AGREEMENT In this Loan Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears above and anyone to whom the Credit Union assigns or transfers this Agreement. All references to "You" or "Your" mean each person who signs, or otherwise authenticates, this Agreement as a borrower. 1. PROMISE TO PAY - You promise to pay $980.92 to the Credit Union plus interest on the unpaid balance until what You owe has been repaid. For fixed rate loans, the interest rate is 17.95% per year. Collection Costs: You promise to pay all costs of collecting the amount You owe under the Agreement, including court costs and reasonable attorney fees. 2. PAYMENTS - You promise to make payments of the amount and at the time shown in the Truth in Lending Disclosure. You may prepay any amount without penalty. If You prepay any part of what You owe, You are still required to make the regularly scheduled payments, unless We have agreed to a change in the payment schedule. Because this is a simple interest loan, if You do not make payments exactly as scheduled, Your final payment may be more or less than the amount of the final payment that is disclosed. If You elect voluntary payment protection, We will either include the premium or program fee(s) in Your payments or extend the term of Your loan. If the term is extended, You will be required to make additional payments of the scheduled amount, until what You owe has been paid. You promise to make all payments to the place We choose. If this loan refinances another loan You have with Us, the other loan will be canceled and refinanced as of the date of this loan. Unless otherwise required by law, payments will be applied to amounts owed in the manner We choose. 3. LOAN PROCEEDS BY MAIL - If the proceeds of this loan are mailed to You, interest on this loan begins on the date the loan proceeds are mailed to You. 4. SECURITY FOR LOAN - This Agreement is secured by all property described in the "Security" section of the Truth in Lending Disclosure. Property securing other loans You have with Us also secures this loan, unless the property is a dwelling or otherwise prohibited by federal and/or state law. In addition to Your pledge of shares, We may also have what is known as a statutory lien on all individual and joint accounts You have with Us. A statutory lien means We have the right under federal and/or state law to claim an interest in Your accounts. Unless otherwise prohibited by federal and/or state law, We can enforce a statutory lien against Your shares and dividends and, if any, interest and deposits, in all individual and joint accounts You have with Us to satisfy any outstanding financial obligation that is due and payable to Us. We may exercise Our right to enforce this lien without further notice to You, to the extent permitted by law. For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts You have with the Credit Union now and in the future. The statutory lien and/or Your pledge will allow Us to apply the funds in Your account(s) to what You owe when You are in default. If a dollar amount and account number are listed in the "Security" section of the Truth in Lending Disclosure, You may not withdraw the amount that has been specifically pledged to secure this loan until the Credit Union agrees to release all or part of the pledged amount. The statutory lien and Your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. 5. DEFAULT - You will be in default under this Agreement if You do not make a payment of the amount required on or before the date it is due. You will be in default if You break any promise You made in connection with this loan or if anyone is in default under any security agreement made in connection with this Agreement. You will be in default if You die, file for bankruptcy, become insolvent (that is, unable to pay Your bills and loans as they become due), or if You made any false or misleading statements in Your loan application. You will also be in default if something happens that We believe may seriously affect Your ability to repay what You owe under this Agreement or if You are in default under any other loan agreement You have with Us. 3. ACTIONS AFTER DEFAULT - When You are in default, We may demand immediate payment of the entire unpaid balance under this Agreement. If We demand immediate payment, You will continue to pay interest at the rate provided for in this Agreement, until what You owe has been repaid. We will also apply against what You owe any shares and/or deposits given as security under this Agreement. We may also exercise any other rights given by law when You are in default. Unless You are a Covered Borrower under the Military Lending Act, You waive any right You have to receive demand for payment, notice of intent to demand immediate payment and notice of demand for immediate payment. 7. EACH PERSON RESPONSIBLE - Each person who signs, or otherwise authenticates, this Agreement will be individually and jointly responsible for paying the entire amount owed under this Agreement. This means We can enforce Our rights against any one of You individually or against all of You together. 8. LATE CHARGE - If You are late in making a payment, You promise to pay the late charge shown in the Truth in Lending Disclosure. If no late charge is shown, You will not be charged one. 9. DELAY IN ENFORCING RIGHTS - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. 10. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 11. NOTICES - Notices will be sent to You at the most recent address You have given Us in writing. Notice to any one of You will be notice to all. 12. USE OF ACCOUNT - You promise to use Your account for consumer (personal, family or household) purposes, unless the Credit Union gives You written permission to use the account also for agricultural or commercial purposes, or to purchase real estate. 13. NO ORAL AGREEMENTS - THIS NOTE CONSTITUTES A "WRITTEN LOAN AGREEMENT" PURSUANT TO SECTION 26.02 OF THE TEXAS BUSINESS AND COMMERCE CODE, IF SUCH SECTION APPLIES. THIS WRITTEN LOAN AGREEMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. 14. The following is required by Vermont law: NOTICE TO COSIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 15. NOTICE TO UTAH BORROWERS: This written Agreement is the final expression of the Agreement between You and the Credit Union. This written Agreement may not be contradicted by evidence of any oral agreement. 16. OTHER PROVISIONS - SECURITY AGREEMENT In this Security Agreement ("Agreement") all references to "Credit Union", "We", "Our" or "Us" mean the Credit Union whose name appears on this document and anyone to whom the Credit Union assigns or transfers this Agreement. All references to the Loan" mean the loan described in the Loan Agreement that is part of this document. All references to "You" or "Your" mean any person who signs, or otherwise authenticates, this Agreement. 1. THE SECURITY FOR THE LOAN - You give Us what is known as a security interest in the Property described in the "Security" section of the Truth in Lending Disclosure that is part of this document ("the Property"). The security interest You give includes all accessions. Accessions are things which are attached to or installed in the Property now or in the future. The security interest also includes any replacements for the Property which You buy within 10 days of the Loan and any extensions, renewals or refinancings of the Loan. It also includes any money You receive from selling the Property or from insurance You have on the Property. If the value of the Property declines, You promise to give Us more property as security if asked to do so. 2. WHAT THE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS - The security interest secures the Loan and any extensions, renewals or refinancings of the Loan. Unless prohibited by applicable law, the security interest also secures any other loans, including any credit card loan, You have now or receive in the future from Us and any other amounts You owe Us for any reason now or in the future, except any loan secured by Your principal dwelling. If the Property is household goods as defined by the Federal Trade Commission Credit Practices Rule or Your principal dwelling, the Property will secure only this Loan and not other loans or amounts You owe Us. 3. OWNERSHIP OF THE PROPERTY - You promise that You own the Property or, if this Loan is to buy the Property, You promise You will use the Loan proceeds for that purpose. You promise that no one else has any interest in or claim against the Property that You have not already told Us about. You promise not to sell or lease the Property or to use it as security for a loan with another creditor until the Loan is repaid. You promise You will allow no other security interest or lien to attach to the Property either by Your actions or by operation of law. 4. PROTECTING THE SECURITY INTEREST - If Your state issues a title for the Property, You promise to have Our security interest shown on the title. We may have to file what is called a financing statement to protect Our security interest from the claims of others. You irrevocably authorize Us to execute (on Your behalf), if applicable, and file one or more financing, continuation or amendment statements pursuant to the Uniform Commercial Code (UCC) in a form satisfactory to Us. promise to do whatever else We think is necessary to protect Our security interest in the Property. You also promise to pay all costs, including but not limited to any attorney fees. We incur in protecting Our security interest and rights in the Property, to the extent permitted by applicable law. 5. USE OF PROPERTY - Until the Loan has been paid off, You promise You will: (1) Use the Property carefully and keep it in good repair. (2) Obtain Our written permission before making major changes to the Property or changing the address where the Property is kept. (3) Inform Us in writing before changing Your address. (4) Allow Us to inspect the Property. (5) Promptly notify Us if the Property is damaged, stolen or abused. (6) Not use the Property for any unlawful purpose. (7) Not retitle the Property in another state without telling Us. 6. PROPERTY INSURANCE, TAXES AND FEES - You promise to pay all taxes and fees (like registration fees) due on the Property and to keep the Property insured against loss and damage. The amount and coverage of the property insurance must be acceptable to Us. You may provide the property insurance through a policy You already have, or through a policy You get and pay for. You promise to make the insurance policy payable to Us and to deliver the policy or proof of coverage to Us if asked to do so. If You cancel Your insurance and get a refund, We have a right to the refund. If the Property is lost or damaged, We can use the insurance settlement to repair the Property or apply it towards what You owe. You authorize Us to endorse any draft or check which may be payable to You in order for Us to collect any refund or benefits due under Your insurance policy. If You do not pay the taxes or fees on the Property when due or keep it insured, We may pay these obligations, but We are not required to do so. Any money We spend for taxes, fees or insurance will be added to the unpaid balance of the Loan and You will pay interest on those amounts at the same rate You agreed to pay on the Loan. We may receive payments in connection with the insurance from a company which provides the insurance. We may monitor Our loans for the purpose of determining whether You and other borrowers have complied with the insurance requirements of Our loan agreements or may engage others to do so. The insurance charge added to the Loan may include (1) the insurance company's payments to Us and (2) the cost of determining compliance with the insurance requirements. If We add amounts for taxes, fees or insurance to the unpaid balance of the Loan, We may increase Your payments to pay the amount added within the term of the insurance or term of the Loan. 7. INSURANCE NOTICE - If You do not purchase the required property insurance, the insurance We may purchase and charge You for will cover only Our interest in the Property. The premium for this insurance may be higher because the insurance company may have given Us the right to purchase insurance after uninsured collateral is lost or damaged. The insurance will not be liability insurance and will not satisfy any state financial responsibility or no fault laws. 8. DEFAULT - You will be in default if You break any promise You make or fail to perform any obligation You have under this Agreement. You will also be in default under this Agreement if the Loan is in default. You will be in default if any Property You have given Us as security is repossessed by someone else, seized under a forfeiture or similar law, or if anything else happens that significantly affects the value of the Property or Our security interest in it. 9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When You are in default, We may demand immediate payment of the outstanding balance of the Loan without giving You advance notice and take possession of the Property. You agree the Credit Union has the right to take possession of the Property without judicial process if this can be done without breach of the peace. If We ask, You promise to deliver the Property at a time and place We choose. If the Property is a motor vehicle or boat, You agree that We may obtain a key or other device necessary to unlock and operate it, when You are in default. We will not be responsible for any other property not covered by this Agreement that You leave inside the Property or that is attached to the Property. We will try to return that property to You or make it available for You to claim. After We have possession of the Property, We can sell it and apply the money to any amounts You owe Us. We will give You notice of any public disposition or the date after which a private disposition will be held. Our expenses for taking possession of and selling the Property will be deducted from the money received from the sale. Those costs may include the cost of storing the Property, preparing it for sale and attorney's fees to the extent permitted under state law or awarded under the Bankruptcy Code. If You have agreed to pay the Loan, You must pay any amount that remains unpaid after the sale money has been applied to the unpaid balance of the Loan and to what You owe under this Agreement. You agree to pay interest on that amount at the same rate as the Loan until that amount has been paid. 10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN - We can delay enforcing any of Our rights under this Agreement any number of times without losing the ability to exercise Our rights later. We can enforce this Agreement against Your heirs or legal representatives. If We change the terms of the Loan, You agree that this Agreement will remain in effect. 11. CONTINUED EFFECTIVENESS - If any part of this Agreement is determined by a court to be unenforceable, the rest will remain in effect. 12. NOTICE FOR ARIZONA OWNERS OF PROPERTY - It is unlawful for You to fail to return a motor vehicle that is subject to a security interest, within thirty days after You have received notice of default. The notice will be mailed to the address You gave Us. It is Your responsibility to notify Us if Your address changes. The maximum penalty for unlawful failure to return a motor vehicle is one year in prison and/or a fine of $150,000.00. The following notice applies ONLY when the box at left is marked. 13. 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. 14. OTHER PROVISIONS - SIGNATURES By signing, or otherwise authenticating, as Borrower, You agree to the terms of the Loan Agreement. If Property is described in the "Security" section of the Truth in Lending Disclosure, You also agree to the terms of the Security Agreement. If You sign, or otherwise authenticate, as "Owner of Property" You agree only to the terms of the Security Agreement. CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT <table> <tr> <th>Borrower 1 Signature</th> <th>Date<br>09/01/2023</th> <th>Borrower 2 Signature</th> <th>Date<br>09/01/2023</th> </tr> <tr> <td>X</td> <td>(Seal)</td> <td>X</td> <td>(Seal)</td> </tr> <tr> <th>Signature</th> <th>Date<br>09/01/2023</th> <th>Signature</th> <th>Date<br>09/01/2023</th> </tr> <tr> <td>X</td> <td>(Seal)</td> <td>X</td> <td>(Seal)</td> </tr> </table> [ ] Borrower 3: [ ] Owner of Property [ ] Witness [ ] Borrower 4: [ ] Owner of Property [ ] Witness