Communication Federal Credit Union v. Shameka Harris

IN THE DISTRICT COURT OF OKLAHOMA COUNTY STATE OF OKLAHOMA COMMUNICATION FEDERAL CREDIT UNION, Plaintiff, vs. SHAMEKA HARRIS, Defendant. PETITION IN REPLEVIN FIRST CAUSE OF ACTION - REPLEVIN COMES NOW Plaintiff, Communication Federal Credit Union (hereafter “Plaintiff”), by and through counsel of record Joshua C. Greenhaw, Cara J. Bisel, and Breanne Stewart of Mee Hawkins Greenhaw & Cotner PLLP, and for its claims against Shameka Harris (hereafter referred to as “Defendant”), alleges and states: 1. On or about May 19, 2025, Defendant, for good and valuable consideration, executed and delivered to Automay Car Sales, a Retail Installment Sale Contract and Security Agreement (hereafter the “Contract”), in the amount of $18,000.00. 2. As part of Contract, and to secure the payment of the amounts owed pursuant to said Contract, Defendant granted to Automay Car Sales, a security interest in a 2019 Mercedes-Benz GLA (VIN: WDCTG4EB6KU002948) (hereafter the “Vehicle”). A true and correct copy of the Contract is attached hereto as Exhibit “A”. 3. Said Contract was subsequently assigned to Plaintiff and Plaintiff is the current owner and holder thereof and is the current creditor. 4. Under the terms of said Contract, Defendant agreed to make payments to Plaintiff as set out therein. 5. Defendant did not pay said Contract in accordance with the terms thereof and is in default. 6. Due to Defendant’s default, Plaintiff has declared the entire balance due under the terms of Contract in the principal amount of $17,870.96, together with interest in the amount of $433.97, plus interest continuing to accrue from and after December 3, 2025, at the contractual rate of 9.74% per annum, until paid, fees/charges in the amount of $96.00, costs of the action, and a reasonable attorneys’ fee, all as provided by the Contract. 7. Under the terms of Contract and under the Uniform Commercial Code, Plaintiff has a special interest in the Vehicle and the right to the immediate and permanent possession of said Vehicle. 8. Defendant may claim an interest in the Vehicle, but Plaintiff alleges that any interest claimed by Defendant is subject to and inferior to the interest of the Plaintiff in the Vehicle. 9. Upon information and belief, Defendant is in actual possession of said Vehicle, which Plaintiff believes is located in Oklahoma County, Oklahoma. Defendant has not permitted Plaintiff to take possession thereof. 10. The actual value of said Vehicle is unknown to this Plaintiff, but Plaintiff believes the approximate value of said Vehicle to be $12,775.00. 11. The aforementioned Vehicle was not taken in execution on any order or judgment against said Plaintiff, or for the payment of any tax, fine or amercement assessed against it, or by virtue of an Order of Delivery issued, or any other mesne or final process issued against said Plaintiff. WHEREFORE, Plaintiff requests that the Court grant judgment for an Order of Delivery (Writ of Replevin) for the Plaintiff against the Defendant for the permanent possession of the Vehicle pursuant to 12 O.S. § 1583. Plaintiff further requests judgment decreeing that Plaintiff’s interest in said Vehicle is senior and prior to the interest of the Defendant in said property, for costs of the action, and a reasonable attorneys’ fee. Plaintiff further requests judgment pursuant to 12 O.S. § 1582 that, should the Defendant refuse to grant possession of the Vehicle to Plaintiff, the Sheriff of Oklahoma County, or any other county in Oklahoma where the Vehicle may be found, shall be authorized to break open any property or enclosure in which the Vehicle is concealed after first demanding entry thereto. SECOND CAUSE OF ACTION – MONEY JUDGMENT For its second cause of action, Plaintiff alleges and adopts all statements made in its first cause of action, and in addition thereto, alleges and states: 12. Due to Defendant’s default, Plaintiff has declared the entire balance due under the terms of Contract in the principal amount of $17,870.96, together with interest in the amount of $433.97, plus interest continuing to accrue from and after December 3, 2025, at the contractual rate of 9.74% per annum, until paid, fees/charges in the amount of $96.00, costs of the action, and a reasonable attorneys’ fee, all as provided by the Contract. WHEREFORE, Plaintiff requests that the Court grant judgment pursuant to its second cause of action as follows: A money judgment for Plaintiff, against the Defendant, in the sum of $17,870.96, together with interest in the amount of $433.97, plus interest continuing to accrue from and after December 3, 2025, at the contractual rate of 9.74% per annum, until paid, fees/charges in the amount of $96.00, costs of the action, and a reasonable attorneys’ fee, all as provided by the Contract. Plaintiff further requests that any judgment herein be deemed a final judgment pursuant to 12 O.S. § 994 (OSCN 2026), and for any other relief to which it is entitled. Respectfully submitted, BREANNE SPEWART, OBA #35747 [email protected] CARA J. BISEL, OBA #31390 [email protected] JOSHUA C. GREENHAW, OBA #19111 [email protected] MEE HAWKINS GREENHAW & COTNER PLLP PO Box 1375 Oklahoma City, OK 73101 Telephone: (405) 646-6784 Facsimile: (405) 848-9101 ATTORNEYS FOR PLAINTIFF THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. VERIFICATION STATE OF OKLAHOMA ) ) COUNTY OF OKLAHOMA ) ss. I, Breanne Stewart, of lawful age, being first duly sworn, on this 24 day of February 2026, depose and say: That I am the attorney of the Plaintiff in the above-referenced cause; that I have read the above and foregoing Petition and have personal knowledge thereof; that I know the contents thereof and that the statements therein made are true and correct to the best of my knowledge and belief. I state under penalty of perjury under the laws of Oklahoma that the foregoing is true and correct. BREANNE STEWART Retail Installment Contract and Security Agreement Seller Name and Address: Automay Car Sales 4727 NW 39th St Oklahoma City, OK 73122 Buyer(s) Name(s) and Address(es): Shameka Harris Summary: No. _______________________ Date 5/19/2025 _______________________ ☐ Business, commercial or agricultural purpose Contract. Truth-In-Lending Disclosure Annual Percentage Rate The cost of your credit as a yearly rate: 9.740% Finance Charge The dollar amount the credit will cost you: $5321.10 Amount Financed The amount of credit provided to you or on your behalf: $18000.00 Total of Payments The amount you will have paid when you have made all scheduled payments: $23321.10 Total Sale Price The total cost of your purchase on credit, including your down payment of N/A $23321.10 Payment Schedule. Your payment schedule is: <table> <tr><th>No. of Payments</th><th>Amount of Payments</th><th>When Payments are Due</th></tr> <tr><td>66</td><td>$353.35</td><td>Monthly, Beginning 06/18/25</td></tr> <tr><td></td><td></td><td></td></tr> </table> Security. You are giving us a security interest in the Property purchased. Late Charge. If a payment is not received in full within 10 days after it is due, you will pay a late charge of 5% of the part of the payment that is late, with a minimum charge of $32.00. Prepayment. If you pay off this Contract early, you ☐ may ☒ will not have to pay a Minimum Finance Charge. Contract Provisions. You can see the terms of this Contract for any additional information about nonpayment, default, any required repayment before the scheduled date, and prepayment refunds and penalties. Description of Property Year: 2019 Make: Mercedes-Benz Model: GLA Style: SUV Vehicle Identification Number: WDCTG4EB6KU002948 Odometer Mileage: 60320 Other: ☐ New ☒ Used ☐ Demo Description of Trade-In N/A Conditional Delivery ☐ Conditional Delivery. If checked, you agree that the following agreement regarding securing financing ("Agreement") applies: ________________________. The Agreement is part of this Contract. The Agreement will no longer control after the assignment is accepted. If there are any conflicts between the terms of the Agreement and the Contract, the terms of this Contract will apply. Sales Agreement Payment. You promise to pay us the principal amount of $18000.00 plus finance charges accruing on the unpaid balance at the rate of 9.74 % per year from the date of this Contract until paid in full. You agree to pay this Contract according to the payment schedule and late charge provisions shown in the Truth-In-Lending Disclosure. You also agree to pay any additional amounts according to the terms and conditions of this Contract. Down Payment. You also agree to pay or apply to the Cash Price, on or before the date of this Contract, any cash, rebate and net trade-in value described in the Itemization of Amount Financed. ☐ You agree to make deferred down payments as set forth in your Payment Schedule. ☐ Additional Charge. You agree to pay an additional charge of $N/A that will be ☐ paid in cash. ☐ financed over the term of the Contract. ☐ Minimum Finance Charge. You agree to pay a minimum finance charge of $N/A if you pay this Contract in full before we have earned that much in finance charges. Itemization of Amount Financed a. Cash Price of Vehicle, etc. (incl. applicable sales/excise tax of $ N/A ) $ 17800.00 b. Trade-in allowance $ N/A c. Less: Amount owng, paid to (includes k): $ N/A d. Net trade-in (b-c; if negative, enter $0 here and enter the amount on line k) $ N/A e. Cash payment $ N/A f. Manufacturer's rebate $ N/A g. Deferred down payment $ N/A h. Other down payment (describe) $ N/A i. Down Payment (d+e+f+g+h) $ N/A j. Unpaid balance of Cash Price (a-l) $ 17800.00 k. Financed trade-in balance (see line d) $ l. Paid to public officials: i. License $ N/A ii. Title $ N/A iii. Filing $ N/A m. Insurance premiums paid to insurance company(ies) $ N/A n. Gap Waiver paid to Seller $ N/A o. Service Contract, paid to: $ N/A p. To: $ N/A q. To: Doc Fee $ 200.00 r. To: $ N/A s. To: $ N/A t. To: $ N/A u. To: $ N/A v. To: $ N/A w. To: $ N/A x. To: $ N/A y. To: $ N/A z. Total Other Charges/Amnts Paid (k thru y) $ 200.00 aa. Prepaid Finance Charge $ N/A bb. Amount Financed (j+z-aa) $ 18000.00 We may retain or receive a portion of any amounts paid to others. [This area intentionally left blank.] Insurance Disclosures Credit Insurance. Credit life and credit disability (accident and health) are not required to obtain credit and are not a factor in the credit decision. We will not provide them unless you sign and agree to pay the additional premium. If you want such insurance, we will obtain it for you (if you qualify for coverage). We are quoting below only the coverages you have chosen to purchase. Credit Life ☐ Single ☐ Joint ☒ None Premium $ N/A Term ____________________________ Insured ____________________________ Credit Disability ☐ Single ☐ Joint ☒ None Premium $ N/A Term ____________________________ Insured ____________________________ Your signature below means you want (only) the insurance coverage(s) quoted above. If "None" is checked, you have declined the coverage we offered. N/A By: DOB N/A By: DOB N/A By: DOB Property Insurance. You must insure the Property. You may furnish the required insurance either through existing policies of insurance owned or controlled by you or by procuring the equivalent insurance coverage through any insurance company reasonably acceptable to us. The collision coverage deductible may not exceed $ 1500.00 If you get insurance from or through us you will pay $ N/A for 0 months of coverage. This premium is calculated as follows: ☒ $ 1500.00 Deductible, Collision Cov. $ N/A ☒ $ 1500.00 Deductible, Comprehensive $ INCL. ☐ Fire-Theft and Combined Additional Cov. $ N/A ☐ $ N/A Liability insurance coverage for bodily injury and property damage caused to others is not included in this Contract unless checked and indicated. ☐ Single-Interest Insurance. You must purchase single-interest insurance as part of this sale transaction. You may furnish the required insurance either through existing policies of insurance owned or controlled by you or by procuring the equivalent insurance coverage through any insurance company reasonably acceptable to us. If you buy the coverage from or through us, you will pay $ N/A for ________ of coverage. [This area intentionally left blank.] Additional Protections You may buy any of the following voluntary protection plans. They are not required to obtain credit, are not a factor in the credit decision, and are not a factor in the terms of the credit or the related sale of the Vehicle. The voluntary protections will not be provided unless you sign and agree to pay the additional cost. Your signature below means that you want the described item and that you have received and reviewed a copy of the contract(s) for the product(s). If no coverage or charge is given for an item, you have declined any such coverage we offered. ☐ Service Contract Term ________________________________ Price $ N/A Coverage ____________________________________________ ☐ Gap Waiver or ☐ Gap Insurance Term ________________________________ Price $ N/A Coverage ____________________________________________ ☐ ____________________________ Term ________________________________ Price $ ________________ Coverage ____________________________________________ Shameka Harris 5/19/2025 By: Shameka Harris Date By: ____________________________ Date By: ____________________________ Date Additional Terms of the Sales Agreement Definitions. "Contract" refers to this Retail Installment Contract and Security Agreement. The pronouns "you" and "your" refer to each Buyer signing this Contract, and any guarantors, jointly and individually. The pronouns "we", "us" and "our" refer to the Seller and any entity to which it may transfer this Contract. "Vehicle" means each motor vehicle described in the Description of Property section. "Property" means the Vehicle and all other property described in the Description of Property section. Purchase of Property. You agree to purchase the Property from Seller, subject to the terms and conditions of this Contract. Seller will not make any repairs or additions to the Vehicle except as noted in the Description of Property section. You have been given the opportunity to purchase the Property and described services for the Cash Price or the Total Sale Price. The "Total Sale Price" is the total price of the Property if you buy it over time. General Terms. The Total Sale Price shown in the Truth-In-Lending Disclosure assumes that all payments will be made as scheduled. The actual amount you will pay will be more if you pay late and less if you pay early. We do not intend to charge or collect, and you do not agree to pay, any finance charge or fee that is more than the maximum amount permitted for this sale by state or federal law. If you pay a finance charge or fee that exceeds that maximum amount, we will first apply the excess amount to reduce the principal balance and, when the principal has been paid in full, refund any remaining amount to you. You understand and agree that some payments to third parties as a part of this Contract may involve money retained by us or paid back to us as commissions or other remuneration. You agree that the Property will not be used as a dwelling. Prepayment. You may prepay this Contract in full or in part at any time. See Minimum Finance Charge section. Any partial prepayment will not excuse any later scheduled payments. If we get a refund of any unearned insurance premiums that you paid, you agree that we may subtract the refund from the amount you owe, unless otherwise provided by law. Balloon Payment. If any scheduled payment is more than twice as large as the average of your earlier scheduled payments, you may refinance that payment when due without penalty. The terms of the refinancing will be no less favorable to you than the original terms of this Contract. This provision does not apply if we adjusted your payment schedule to your seasonal or irregular income. Returned Payment Charge. If you make any payment required by this Contract that is returned or dishonored, you agree to pay a fee of $25.00. Governing Law and Interpretation. This Contract is governed by the laws of Oklahoma and applicable federal law and regulations. If any section or provision of this Contract is not enforceable, the other terms will remain part of this Contract. You authorize us to correct any clerical error or omissions in this Contract or in any related document. Name and Location. Your name and address set forth in this Contract are your exact legal name and your principal residence. You will provide us with at least 30 days notice before you change your name or principal residence. Telephone Monitoring and Calling. You agree that we may from time to time monitor and record telephone calls made or received by us or our agents regarding your account to assure the quality of our service. In order for us to service the account or to collect any amounts you may owe, and subject to applicable law, you agree that we may from time to time make calls and send text messages to you using prerecorded/artificial voice messages or through the use of an automatic dialing device at any telephone number you provide to us in connection with your account, including a mobile telephone number that could result in charges to you. Default. You will be in default on this Contract if any one of the following occurs (except as prohibited by law): ◆ You fail to perform any obligation that you have undertaken in this Contract and/or you fail to refrain from taking any act prohibited by this Contract. ◆ We, in good faith, believe that you cannot, or will not, pay or perform the obligations you have agreed to in this Contract. If you default, you agree to pay our costs to realize on the Property and our reasonable attorneys' fees not in excess of 15% of the unpaid debt after default and referral to an attorney not a salaried employee of ours. If an event of default occurs as to any of you, we may exercise our remedies against any or all of you. Remedies. If you are in default on this Contract, we have all of the remedies provided by law and this Contract. Those remedies include: ◆ We may require you to immediately pay us, subject to any refund required by law, the remaining unpaid balance of the amount financed, finance charges and all other agreed charges. ◆ We may pay taxes, assessments, or other liens or make repairs to the Property if you have not done so. We are not required to do so. You will repay us that amount immediately. That amount will earn finance charges from the date we pay it at the rate described in the Payment section until paid in full. ◆ We may require you to make the Property available to us at a place we designate that is reasonably convenient to you and us. ◆ We may immediately take possession of the Property by legal process or self-help, but in doing so we may not breach the peace or unlawfully enter onto your premises. ◆ We may then sell the Property and apply what we receive as provided by law to our reasonable expenses and then toward what you owe us. ◆ Except when prohibited by law, we may sue you for additional amounts if the proceeds of a sale do not pay all of the amounts you owe us. By choosing any one or more of these remedies, we do not give up our right to later use another remedy. By deciding not to use any remedy, we do not give up our right to consider the event a default if it happens again. You agree that if any notice is required to be given to you of an intended sale or transfer of the Property, notice is reasonable if mailed to your last known address, as reflected in our records, at least 10 days before the date of the intended sale or transfer (or such other period of time as is required by law). Retail Installment Contract-OK Not for use in transactions secured by a dwelling ©2024 The Reynolds and Reynolds Company THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL. You agree that we may take possession of personal property left in or on the Property securing this Contract and taken into possession as provided above. You may have a right to recover that property. If the Property has an electronic tracking device, you agree that we may use the device to find the vehicle. Obligations Independent. Each person who signs this Contract agrees to pay this Contract according to its terms. This means the following: ◆ You must pay this Contract even if someone else has also signed it. ◆ We may release any co-buyer or guarantor and you will still be obligated to pay this Contract. ◆ We may release any security and you will still be obligated to pay this Contract. ◆ If we give up any of our rights, it will not affect your duty to pay this Contract. ◆ If we extend new credit or renew this Contract, it will not affect your duty to pay this Contract. Warranty. Warranty information is provided to you separately. Security Agreement Security. To secure your payment and performance under the terms of this Contract, you give us a security interest in the Vehicle, all other Property, and accessions. Duties Toward Property. By giving us a security interest in the Property, you represent and agree to the following: ◆ You will defend our interests in the Property against claims made by anyone else. You will keep our claim to the Property ahead of the claim of anyone else. You will not do anything to change our interest in the Property. ◆ You will keep the Property in your possession and in good condition and repair. You will use the Property for its intended and lawful purposes. ◆ You agree not to remove the Property from the U.S. without our prior written consent. ◆ You will not attempt to sell the Property, transfer any rights in the Property, or grant another lien on the Property without our prior written consent. ◆ You will pay all taxes and assessments on the Property as they become due. ◆ You will notify us with reasonable promptness of any loss or damage to the Property. ◆ You will provide us reasonable access to the Property for the purpose of inspection. Our entry and inspection must be accomplished lawfully, and without breaching the peace. Agreement to Provide Insurance. You agree to provide property insurance on the Property protecting against loss and physical damage and subject to a maximum deductible amount indicated in the Insurance Disclosures section, or as we will otherwise require. You will name us as loss payee on any such policy. Generally, the loss payee is the one to be paid the policy benefits in case of loss or damage to the Property. In the event of loss or damage to the Property, we may require additional security or assurances of payment before we allow insurance proceeds to be used to repair or replace the Property. You agree that if the insurance proceeds do not cover the amounts you still owe us, you will pay the difference. You will keep the insurance in full force and effect until this Contract is paid in full. If you fail to obtain or maintain this insurance, or name us as loss payee, we may obtain insurance to protect our interest in the Property. This insurance may be written by a company other than one you would choose. It may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this Contract. We will add the premium for this insurance to the amount you owe us. Any amount we pay will be due immediately. This amount will earn finance charges from the date paid at the rate described in the Payment section until paid in full. Gap Waiver or Gap Insurance. In the event of theft or damage to the Vehicle that results in a total loss, there may be a gap between the amount due under the terms of the Contract and the proceeds of your insurance settlement and deductibles. You are liable for this difference. You may have the option of purchasing Gap Waiver or Gap Insurance to cover the gap liability, subject to any conditions and exclusions in the Gap Waiver or Gap Insurance agreements. Any Gap Waiver that you buy is part of this Contract. (This area intentionally left blank.) Arbitration Provision PLEASE READ CAREFULLY! By agreeing to this Arbitration Provision you are giving up your right to go to court for claims and disputes arising from this Contract: ♦ EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE BETWEEN YOU AND US DECIDED BY ARBITRATION, AND NOT BY A COURT OR BY JURY TRIAL. ♦ YOU GIVE UP ANY RIGHT THAT YOU MAY HAVE TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION AGAINST US IF A DISPUTE IS ARBITRATED. ♦ IN ARBITRATION, DISCOVERY AND RIGHTS TO APPEAL ARE GENERALLY MORE LIMITED THAN IN A JUDICIAL PROCEEDING, AND OTHER RIGHTS THAT YOU WOULD HAVE IN COURT MAY NOT BE AVAILABLE. You or we (including any assignee) may elect to resolve any Claim by neutral, binding arbitration and not by a court action. "Claim" means any claim, dispute or controversy between you and us or our employees, agents, successors, assigns or affiliates arising from or relating to: 1. the credit application; 2. the purchase of the Property; 3. the condition of the Property; 4. this Contract; 5. any insurance, maintenance, service or other contracts you purchased in connection with this Contract; or 6. any related transaction, occurrence or relationship. This includes any Claim based on common or constitutional law, contract, tort, statute, regulation or other ground. To the extent allowed by law, the validity, scope and interpretation of this Arbitration Provision are to be decided by neutral, binding arbitration. If either party elects to resolve a Claim through arbitration, you and we agree that no trial by jury or other judicial proceeding will take place. Instead, the Claim will be arbitrated on an individual basis and not on a class or representative basis. The party electing arbitration may choose either of the following arbitration organizations and its applicable rules, provided it is willing and able to handle the arbitration: American Arbitration Association (www.adr.org) or JAMS (www.jamsadr.com), or they may choose any other reputable arbitration organization and its rules to conduct the arbitration, subject to the other party's approval. The parties can get a copy of the organization's rules by contacting it or visiting its website. If the chosen arbitration organization's rules conflict with this Arbitration Provision, the terms of this Arbitration Provision will govern the Claim. However, to address a conflict with the selected arbitration organization's rules, the parties may agree to change the terms of this Arbitration Provision by written amendment signed by the parties. If the parties are not able to find or agree upon an arbitration organization that is willing and able to handle the arbitration, then the arbitrator will be selected pursuant to 9 U.S. Code Sections 5 and 6. The arbitration hearing will be conducted in the federal district where you reside unless you and we otherwise agree. Or, if you and we agree, the arbitration hearing can be by telephone or other electronic communication. The arbitration filing fee, arbitrator's compensation and other arbitration costs will be paid in the amounts and by the parties according to the rules of the chosen arbitration organization. Some arbitration organizations' rules require us to pay most or all of these amounts. If the rules of the arbitration organization do not specify how fees must be allocated, we will pay the filing fee, arbitrator's compensation, and other arbitration costs up to $5,000, unless the law requires us to pay more. Each party is responsible for the fees of its own attorneys, witnesses, and any related costs, if any, that it incurs to prepare and present its Claim or response. In limited circumstances, the arbitrator may have the authority to award payment of certain arbitration costs or fees to a party, but only if the law and arbitration organization rules allow it. An arbitrator must be a lawyer with at least ten (10) years of experience and familiar with consumer credit law or a retired state or federal court judge. The arbitration will be by a single arbitrator. In making an award, an arbitrator shall follow governing substantive law and any applicable statute of limitations. The arbitrator will decide any dispute regarding the arbitrability of a Claim. An arbitrator has the authority to order specific performance compensatory damages, punitive damages, and any other relief allowed by applicable law. An arbitrator's authority to make awards is limited to awards to you or us alone. Claims brought by you against us, or by us against you, may not be joined or consolidated in arbitration with claims brought by or against someone other than you, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Any arbitration award shall be in writing, shall include a written reasoned opinion, and will be final and binding subject only to any right to appeal under the Federal Arbitration Act ("FAA"). 9 U.S. Code Sections 1, et seq. Any court having jurisdiction can enforce a final arbitration award. You and we agree that this Arbitration Provision is governed by the FAA to the exclusion of any different or inconsistent state or local law. You or we can do the following without giving up the right to require arbitration: seek remedies in small claims court for Claims within the small claims court's jurisdiction, or seek judicial provisional remedies. If a party does not exercise the right to elect arbitration in connection with any particular Claim, that party still can require arbitration in connection with any other Claim. This Arbitration Provision survives any (i) termination, payoff, assignment or transfer of this Contract, (ii) any legal proceeding by you or us to collect a debt owed by the other, and (iii) any bankruptcy proceeding in which you or we are the debtor. With but one exception, if any part of this Arbitration Provision is deemed or found to be unenforceable for any reason, the remainder of this Arbitration Provision will remain in full force and effect. The one exception is that if a finding of partial unenforceability would allow arbitration to proceed on a class-wide basis, then this Arbitration Provision will be unenforceable in its entirety. PROCESS TO REJECT THIS ARBITRATION PROVISION. You may reconsider and reject your approval of this Arbitration Provision by sending a written notice to the Assignee (identified in the Assignment section) or if there is no Assignee, then to Seller. The notice must be postmarked within 30 days of the date you signed this Contract. It simply needs to state your decision to reject the Arbitration Provision in this Contract and include your signature. It must also provide your name, Seller's name and the date of this Contract. Rejecting this Arbitration Provision will NOT affect the terms under which we will finance and sell the Property to you or any other terms of this Contract, except that the Arbitration Provision will not apply. CAUTION: It is important that you read this Arbitration Provision thoroughly before you sign this Contract. By signing this Contract, you acknowledge that you read, understand and agree to this Arbitration Provision. If you do not understand this Arbitration Provision, do not sign this Contract; instead ask your lawyer. If you approve this Arbitration Provision, you have an additional 30 days after signing to reconsider and reject your approval, as described above. If you use that process to reject, this Arbitration Provision will not be a part of this Contract, but the rest of this Contract will still be binding and effective. Notices Note. If the primary use of the Vehicle is non-consumer, this is not a consumer contract, and the following notice does not apply. 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. If you are buying a used vehicle: 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. Sí compra un vehículo usado: La Información que ve adherida en la ventanilla forma parte de éste contrato. La información contenida en el formulario de la ventanilla prevalece por sobre toda otra disposición en contrario incluida en el contrato de compraventa. [This area intentionally left blank.] Third Party Agreement (This section applies ONLY to a person who will have an ownership interest in the Property but is NOT a Buyer obligated to pay this Contract ("Third Party Owner").) In this section only, "you" means only the person signing this section. By signing below you agree to give us a security interest in the Property described in the Description of Property section. You also agree to the terms of this Contract except that you will not be liable for the payments it requires. Your interest in the Property may be used to satisfy the Buyer's obligation. You agree that we may renew, extend or change this Contract, or release any party or Property without releasing you from this Contract. We may take these steps without notice or demand upon you. You acknowledge receipt of a completed copy of this Contract. N/A 5/19/2025 By: Date Signature of Third Party Owner (NOT the Buyer) [This area intentionally left blank.] Arbitration Provision and Process to Remove This Contract contains an Arbitration Provision that affects your rights. By signing this Contract, you agree that either of us may request and require the other to resolve disputes or claims through arbitration instead of a lawsuit. The Arbitration Provision includes a process you can follow in the next 30 days if you reconsider and want to reject the Arbitration Provision. By initialing this section, you confirm that you read, understand and agree to the Arbitration Provision in this Contract, including the process to reject it. Buyer Initials: SH Acknowledgment for Electronic Signatures ☐ Electronic Signature Acknowledgment. You agree that (i) you viewed and read this entire Contract before signing it, (ii) you signed this Contract with one or more electronic signatures, (iii) you intend to enter into this Contract and your electronic signature has the same effect as your written ink signature, (iv) you received a paper copy of this Contract after it was signed, and (v) the authoritative copy of this Contract shall reside in a document management system held by Seller in the ordinary course of business. You understand that Seller may transfer this Contract to another company in the electronic form or as a paper version of that electronic form which would then become the authoritative copy. Seller or that other company may enforce this Contract in the electronic form or as a paper version of that electronic form. You may enforce the paper version of the Contract copy that you received. Signature Notices 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. Signatures Entire Agreement. Your and our entire agreement is contained in this Contract. There are no unwritten agreements regarding this Contract. Any change to this Contract must be in writing and signed by you and us. [Signature] 5/19/2025 By: Shameka Harris Date By: Date By: Date (This area intentionally left blank.) Notice to Buyer. 1. Do not sign this Contract before you read it or if it contains any blank spaces. 2. You are entitled to a completely filled-in copy of this Contract. By signing below, you agree to the terms of this Contract. You received a copy of this Contract and had a chance to read and review it before you signed it. Buyer [Signature] 5/19/2025 By: Shameka Harris Date By: Date By: Date Seller Automay Car Sales [Signature] 5/19/2025 By: Date Assignment. This Contract and Security Agreement is assigned to Communication Federal Credit Union 4141 N Expy Ste 200 Oklahoma City OK 73116 the Assignee, phone ____________________. This assignment is made under the terms of a separate agreement made between the Seller and Assignee. ☐ This Assignment is made with recourse. Seller Automay Car Sales [Signature] 5/19/2025 By: Date