About Printing Requirements Reset Show PdfField Borders CO-103-ARB 10/31/2010 Retail Installment Contract and Security Agreement Seller Name and Address Buyer(s) Name(s) and Address(es) Jambo Motors 6880 E Colfax Ave Denver, CO 80220 natalia marie carter 12033 E Harvard Ave Apt 107 Aurora, CO 80014 Summary No. Date App# 66075631 - V# 1 7/2/2021 Business, commercial or agricultural purpose Contract. Truth-In-Lending Disclosure Annual Percentage Rate Amount Financed The amount of credit provided to you or on your behalf. Finance Charge The cost of your credit as a yearly rate. The dollar amount the credit will cost you. Total of Payments The amount you will have paid when you have made all scheduled payments. Total Sale Price The total cost of your purchase on credit, including your down payment of $ 13.69 % $ $ 4110.12 $ 13380.12 17490.24 $ . 12000.00 29490.24 Payment Schedule. Your payment schedule is: No. of Payments Copy of Amount of Payments $ 48 $ When Payments are Due Monthly, Beginning 08/08/21 364.38 $ Security. You are giving us a security interest in the Property purchased. Late Charge. If all or any portion of a payment is not paid within 10 days of its due date, you will be charged a late charge of $15.00. 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 Make 2009 Jeep Original Model Wrangler Style Vehicle Identification Number Odometer Mileage SUV 1J4GA39149L744344 124283 Other: New X Used Demo 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. Description of Trade-In N/A 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. Conditional Delivery Conditional Delivery. If checked, you agree that the following agreement regarding Additional Charge. You agree to pay an additional charge of $ 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 $ 13380.12 You agree to make deferred down payments as set forth in your Payment Schedule. plus finance charges accruing on the unpaid balance at the rate of 13.69 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis. You will be paid in cash. that N/A financed over the term of the Contract. You agree that this fee will be refunded: l To the extent that the total finance charge exceeds the amount permitted by law, if this Contract is prepaid. l To the extent required by law if the Contract is refinanced or consolidated. Minimum Finance Charge. You agree to pay a minimum finance charge of if you pay this Contract in full before we have $ N/A earned that much in finance charges. Retail Installment Contract-CO Not for use in transactions secured by a dwelling. Bankers Systems™ Wolters Kluwer Financial Services © 1995, 2010 RSSIMVLFAZCO 10/31/2010 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:32 AM. Page 1 of 6 ✘ Apply Colorado UCCC. Although the Colorado Uniform Consumer Credit Code (UCCC) may not otherwise apply, you and we agree to make this Contract subject to it, so that for purposes of the UCCC this is a consumer credit transaction, subject to the UCCC’s terms, including permissible rates and charges. eSigned By: natalia carter Jul 02, 2021 3:22:41 PM PDT By: DOB By: DOB By: DOB Itemization of Amount Financed a. Cash Price of Vehicle, etc. (incl. sales tax of ) $ 1743.92 b. Trade-in allowance c. Less: Amount owing, paid to (includes k): $ 23243.92 N/A $ $ d. Net trade-in (b-c; if negative, enter $0 here and enter the amount on line k) $ e. Cash payment $ f. Manufacturer's rebate $ g. Deferred down payment h. Other down payment (describe) N/A N/A 12000.00 N/A N/A $ $ i. Down Payment (d+e+f+g+h) N/A 12000.00 11243.92 $ j. Unpaid balance of Cash Price (a-i) $ k. Financed trade-in balance (see line d) $ l. Paid to public officials, including filing fees A.U.L. Corp. 42.20 N/A $ 1500.00 299.00 295.00 N/A N/A N/A N/A N/A 2136.20 N/A 13380.12 $ p. Knight Management Insurance Services for GAP $ q. $ r. $ s. $ t. $ u. $ v. Total Other Charges/Amts Paid (k thru u) w. Prepaid Finance Charge $ * This charge represents costs and additional profit to the Seller/dealer for items such as inspecting, cleaning, and adjusting new and used vehicles. Insurance Disclosures Joint $ coverage. for of 0 months This premium is calculated as follows: $ N/A N/A Deductible, Collision Cov. $ N/A Deductible, Comprehensive $ N/A $ Fire-Theft and Combined Additional Cov. $ N/A $ N/A THIS CONTRACT DOES NOT PROVIDE FOR AUTOMOBILE LIABILITY INSURANCE, AND SAID BUYER ALSO STATES THAT HE OR SHE HAS / DOES NOT HAVE (STRIKE WORDS NOT APPLICABLE) IN EFFECT AN AUTOMOBILE LIABILITY POLICY AS DEFINED IN SECTION 42-7-103(2), COLORADO REVISED STATUTES, ON THE MOTOR VEHICLE SOLD BY THIS CONTRACT. 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 $ for N/A of coverage. Rejection of Arbitration 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. Premium $ . If you get insurance from or through us you will pay N/A N/A Original $ x. Amount Financed (j+v-w) $ We may retain or receive a portion of any amounts paid to others. Credit Life Single $ Copy of $ m. Insurance premiums paid to insurance company(ies) $ n. Service Contract, paid to: o. Delivery and handling fee* 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 Checking the following box will not affect the terms under which we will finance and sell the Property or any of the terms of this Contract, except that the arbitration provision will not be a part of this Contract: You reject the arbitration provision of this Contract. ✘ None Term N/A Insured Credit Disability Single Joint Premium $ N/A ✘ None [This area intentionally left blank.] 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. Retail Installment Contract-CO Not for use in transactions secured by a dwelling. Bankers Systems™ Wolters Kluwer Financial Services © 1995, 2010 RSSIMVLFAZCO 10/31/2010 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:32 AM. Page 2 of 6 the excess amount to reduce the principal balance and, when the principal has been paid in full, refund any remaining amount to you. 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 X Term Price Coverage 12 months or 12000 miles 1500.00 Powertrain Term Price Coverage 48 months 295.00 $ Coverage Governing Law and Interpretation. This Contract is governed by the law of Colorado and applicable federal law and regulations. $ eSigned By: 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. Copy of natalia carter Jul 02, 2021 3:22:41 PM PDT By: natalia marie carter 7/2/2021 Date By: By: Prepayment. You may prepay this Contract in full, or in part if the payment is not less than $5.00, 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. 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. Term Price You agree that the Property will not be used as a dwelling. Balloon Payment. If any scheduled payment is more than twice as large as the average of all other regularly scheduled payments, you may refinance that payment when due at our prevailing rates if you meet our normal credit standards at that time. This right only applies in connection with consumer credit transactions and will not apply if we are not in the business of making such transactions. This right does not apply if your payment schedule is adjusted for seasonal or irregular income, or we do not offer similar credit at that time. $ Gap Waiver or Gap Coverage X 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. Date 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. From time to time you agree we may 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): l You fail to perform any obligation that you have undertaken in this Contract. l We, in good faith, believe that you cannot, or will not, pay or perform the obligations you have agreed to in this Contract. Original 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 and Additional Protections sections. Purchase of Property. You agree to purchase the Property from us, 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 If you default you agree to pay our reasonable costs for realizing on the collateral, 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, or such other amount as may be approved by a court. (We cannot collect attorneys' fees for the preparation of a cure notice.) 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 default on this Contract, we may exercise the remedies provided by law and this Contract after we have given you any notice and opportunity to cure the default that the law requires. Those remedies include: l 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. l We may pay taxes, assessments, or other liens or make repairs to the Property if you have not done so, provided we give you prior notice and a reasonable opportunity to perform. We are not required to make any such payments or repairs. You will repay us that amount when we tell you to do so. That amount will earn finance charges from the date we pay it at the rate described in the Payment section until paid in full. l We may require you to make the Property available to us at a place we designate that is reasonably convenient to you and us. l We may immediately take possession of the Property by legal process or self-help, but in doing so we may not enter into a dwelling, use force or otherwise breach the peace. Retail Installment Contract-CO Not for use in transactions secured by a dwelling. Bankers Systems™ Wolters Kluwer Financial Services © 1995, 2010 RSSIMVLFAZCO 10/31/2010 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:32 AM. Page 3 of 6 l 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. l 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). 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: l You must pay this Contract even if someone else has also signed it. l We may release any co-buyer or guarantor and you will still be obligated to pay this Contract. l We may release any security and you will still be obligated to pay this Contract. l If we give up any of our rights, it will not affect your duty to pay this Contract. l If we extend new credit or renew this Contract, it will not affect your duty to pay this Contract. Gap Waiver or Gap Coverage. 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 have the option of purchasing Gap Waiver or Gap Coverage to cover the gap liability, subject to any conditions and exclusions in the Gap Waiver or Gap Coverage agreements. If this transaction contains a fee or premium for guaranteed automobile protection, all holders and assignees of this Contract are subject to all claims and defenses which the Buyer could assert against the Seller resulting from the Buyer's purchase of guaranteed automobile protection. Arbitration Provision 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: l 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. l 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. l 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. Copy of Warranty. Warranty information is provided to you separately. Security Agreement 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. Security. To secure your payment and performance under the terms of this Contract, you give us a security interest in the Vehicle, all accessions, attachments, accessories, and equipment placed in or on the Vehicle and in all other Property, to the extent permitted by law. You also assign to us and give us a security interest in proceeds and premium refunds of any insurance and service contracts purchased with this Contract. Duties Toward Property. By giving us a security interest in the Property, you represent and agree to the following: l 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. l 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. l You agree not to remove the Property from the U.S. without our prior written consent. l 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. l You will pay all taxes and assessments on the Property as they become due. l You will notify us with reasonable promptness of any loss or damage to the Property. l 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. 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. Original 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 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. Rather, the Claim will be arbitrated on an individual basis, and not on a class or representative basis. The party electing arbitration may choose any of the following arbitration organizations and its applicable rules, provided it is willing and able to handle the arbitration: American Arbitration Association, 1633 Broadway, Floor 10, New York, NY 10019 (www.adr.org); JAMS, 1920 Main Street, Suite 300, Irvine CA 92614 (www.jamsadr.com); or National Arbitration and Mediation (NAM), 990 Stewart Ave., Garden City, NY 11530 (www.namadr.com). You may get a copy of the applicable rules of these organizations by contacting them or visiting their websites. If the chosen arbitration organization's rules conflict with this arbitration provision, then the terms of this arbitration provision will govern the Claim. If none of these arbitration organizations is willing or able to handle the arbitration, the arbitrator can be selected pursuant to 9 U.S.C. Sections 5 and 6. The arbitration hearing will be carried out in the federal district where you reside, unless you and we otherwise agree. Or, if you and we consent, the arbitration hearing can be by telephone. In connection with any arbitration, if you so request, we shall advance your filing, administration, service or case management fee, and your arbitrator or hearing fee, up to a total of $2,500.00. Unless the arbitrator awards them to a party, each party is responsible for the fees of its attorneys, experts, witnesses, and any other fees or costs, including any amount we have advanced. 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 Retail Installment Contract-CO Not for use in transactions secured by a dwelling. Bankers Systems™ Wolters Kluwer Financial Services © 1995, 2010 RSSIMVLFAZCO 10/31/2010 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:32 AM. Page 4 of 6 An arbitrator must be a lawyer with at least ten (10) years experience and familiar with consumer credit law or a retired state or federal court judge. Except as provided below, 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. Furthermore, 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.C. Sections 1, et seq., except that (i) if a single arbitrator awards you less than $5,000 you shall be entitled, upon request made within 20 days after the entry of that award, to have the award set aside and the Claim rearbitrated by a panel of three arbitrators, and (ii) if the single arbitrator awards you more than $100,000 we shall be entitled, upon request made within 20 days after the entry of that award, to have the award set aside and the Claim rearbitrated by a panel of three arbitrators. The party requesting such rearbitration will be required to pay the filing, administration, service or case management fee and the arbitrators and hearing fee, subject to final determination by the arbitration panel. Any court having jurisdiction can enforce a final arbitration award. Third Party Agreement 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 7/2/2021 By: Date You or we can do the following without giving up the right to require arbitration: l Seek remedies in small claims court for Claims within the small claims court's jurisdiction, or l Seek judicial provisional remedies. Copy of 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. You and we expressly agree that this arbitration provision is governed by the FAA to the exclusion of any different or inconsistent state or local law. By signing this Contract you are agreeing to the terms of this arbitration provision, unless you reject it as provided in the next paragraph. Original Caution: It is important that you read this arbitration provision thoroughly before you sign this Contract. By signing this Contract, you are acknowledging that you have read and understand this arbitration provision. If you do not understand something in this arbitration provision, do not sign this Contract; instead ask your lawyer. You can reject this arbitration provision by checking the box in the Rejection of Arbitration section of this Contract before you sign this Contract. If you do so, this arbitration provision will not be a part of this Contract, but all the rest of this Contract will continue to be binding and effective. [This area intentionally left blank.] 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. Retail Installment Contract-CO Not for use in transactions secured by a dwelling. Bankers Systems™ Wolters Kluwer Financial Services © 1995, 2010 RSSIMVLFAZCO 10/31/2010 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:32 AM. Page 5 of 6 Assignment. This Contract and Security Agreement is assigned to 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. Arbitration. This Contract contains an Arbitration Provision that affects your rights. 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. Westlake Financial 4751 Wilshire Blvd. Suite 100 Los Angeles CA 90010 , the Assignee, phone (800) 641-6700 . This assignment is made under the terms of a separate agreement made between the Seller and Assignee. recourse. Seller This Assignment is made with Jambo Motors eSigned By: Tizeta Birhane Teklehaymanot 7/2/2021 Jul 02, 2021 3:21:11 PM PDT By: eSigned By: natalia carter Jul 02, 2021 3:22:41 PM PDT By: 7/2/2021 Date natalia marie carter By: Date Date Copy of By: Date Notice to Buyer. (1) Do not sign this Contract before you read it or if it contains any blank spaces (other than serial numbers or identifying marks unavailable at this time). (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 eSigned By: Original natalia carter Jul 02, 2021 3:22:41 PM PDT By: natalia marie carter 7/2/2021 Date By: Date By: Date Seller Jambo Motors eSigned By: Tizeta Birhane Teklehaymanot Jul 02, 2021 3:21:11 PM PDT By: 7/2/2021 Date Retail Installment Contract-CO Not for use in transactions secured by a dwelling. Bankers Systems™ Wolters Kluwer Financial Services © 1995, 2010 RSSIMVLFAZCO 10/31/2010 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:32 AM. Page 6 of 6 About Printing Requirements Reset Show Field Borders Your Credit Score and the Price You Pay for Credit Risk-Based Pricing Notice - Exception Form for Credit not Secured by Residential Real Property Seller Name and Address Buyer Name and Address Date Jambo Motors 6880 E Colfax Ave Denver, CO 80220 natalia marie carter 12033 E Harvard Ave Apt 107 Aurora, CO 80014 (303) 949-7828 7/2/2021 Transaction Number App# 66075631 Your Credit Score Your credit score 582 Copy of Source: Experian Date: 7/2/2021 Understanding Your Credit Score What you should know about credit scores Your credit score is a number that reflects the information in your credit report. Your credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors. Your credit score can change, depending on how your credit history changes. Original How we use your credit score Your credit score can affect whether you can get credit and how much you will have to pay for that credit. The range of scores Scores range from a low of 250 to a high of 900 . Generally, the higher your score, the more likely you are to be offered better credit terms. How your score compares to the scores of other consumers Your credit score ranks higher than 20 percent of U.S. consumers. Risk-Based Pricing Notice-Not 1-4 RE Secured-BHPH Dealers/CFPB Version Bankers Systems * Wolters Kluwer Financial Services - 2012 RISK-NR-BHPH 12/15/2012 Page 1 of 2 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Checking Your Credit Report What if there are mistakes in your credit report? You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency. How can you obtain a copy of your credit report? Under Federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. It is a good idea to check your credit report to make sure the information it contains is accurate. To order your free annual credit report f By telephone: Call toll-free: 1-877-322-8228 On the web: Visit www.annualcreditreport.com By mail: Mail your completed Annual Credit Report Request Form (which you can obtain from the Federal Trade Commission's website at http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) to: Copy of Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 How can you get more information? For more information about credit reports and your rights under Federal law, visit the Consumer Financial Protection Bureau's website at www.consumerfinance.gov/learnmore . Original Risk-Based Pricing Notice-Not 1-4 RE Secured-BHPH Dealers/CFPB Version Bankers Systems * Wolters Kluwer Financial Services - 2012 RISK-NR-BHPH 12/15/2012 Page 2 of 2 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. *MISC* Your contract has been assigned to Westlake Financial. During the next week, Westlake will contact you regarding your automobile purchase. Please make sure that you are available for this telephone interview, which is required for the financing of your new vehicle. Your first payment of $ 364.38 is due on 08/08/2021 This payment and all your other payments must be paid to Westlake Financial. Westlake will send you a Welcome Package immediately after your contract is financed. You will also receive monthly billing statements from Westlake. If you do not receive a Welcome Package or billing statement before the first payment date above, you must mail the first payment directly to Westlake at the address below. Write your Social Security number on your check or money order, so the payment can be credited to your account. Mail your payments to: Westlake Financial PO BOX 54807 Los Angeles, CA 90054-0807 Westlake Customer Service: (888) 739-9192 Copy of You also have other payment options: Pay Online: Go to myaccount.westlakefinancial.com to register your account and make a payment today! Online payments can be made by Checking/ Savings Account or Visa, MasterCard, or Discover Debit and ATM. Please note, there MAY be a $5 fee associated with this service. Payment by Phone: You can make a payment using our automated phone system by calling (888) 739-9192, 24/7. Phone payments can be made by Checking/ Savings Account or Visa, MasterCard, or Discover Debit and ATM. Please note, there MAY be a $5 fee associated with this service. Original MoneyGram©: MoneyGram is also a wire transfer of your payment. The cost is $9.95. Call (800) 666-3947 for a MoneyGram location near you, or visit your local Wal-Mart. Give the MoneyGram agent the Westlake code of 2603. If you know your Westlake account number, give that number to the agent when you make the payment. Otherwise, give your Social Security number. CheckFree©: CheckFree is an electronic payment transfer service. The cost is $1.50. Call (800) 676-6148 for a CheckFree location near you. You must know your Westlake account number to use this payment service. Pay Near Me©: You can make a payment at any 7-Eleven or Family Dollar location. The cost is $3.99. Sign up for this service at paynearme.com/Westlake. You will need your Westlake account number, and your 5-digit zip code. You can choose to receive either an email or text message that contains a link to a barcoded Pay Slip that can be printed, or sent to your phone. Pay Near Me Excluded States: New Mexico, Hawaii, and Oklahoma. Customer Name: Cosigner: natalia marie carter Physical Address: 12033 E Harvard Ave Apt 107 City: State: ZIP: Aurora CO 80014 Day Phone: Eve Phone: (303) 949-7828 (303) 949-7828 Selling Dealership Name: Jambo Motors Customer First Payment Notice ENGLISH - 10.2017 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. V7‐0418 VEHICLE SERVICE CONTRACT MUST BE PURCHASED AT TIME OF SALE OF THE VEHICLE. CLAIMS DEPT. 1‐855‐343‐6753 ROADSIDE/TOWING ASSISTANCE 1‐855‐533‐2033 Powered by AUL CONTRACT PURCHASE DATE MONTH DAY YEAR 07 2 2021 CONTRACT NUMBER 9L744344G1 CUSTOMER INFORMATION LAST NAME FIRST NAME E‐MAIL ADDRESS carter natalia Misscarter.5280@gmail.com ADDRESS CITY STATE ZIP CODE PHONE 12033 E Harvard Ave Apt 107 Aurora CO 80014 (303) 949-7828 LAST NAME FIRST NAME E‐MAIL ADDRESS ADDRESS CITY STATE CO‐OWNER INFORMATION ZIP CODE PHONE SELLING DEALERSHIP INFORMATION DEALER ID # DEALERSHIP NAME 43299 Jambo Motors ADDRESS 6880 E Colfax Ave DEALERSHIP’S EMPLOYEE NAME PHONE Copy of (303) 388-9302 CITY STATE ZIP CODE Denver CO 80220 VEHICLE INFORMATION VIN # YEAR 1J4GA39149L744344 PRESENT MILEAGE 2009 MAKE MODEL Jeep Wrangler VEHICLE PURCHASE PRICE 124283 $ 21500.00 COVERAGE INFORMATION COVERAGE TERM* X Secure One Powertrain Secure One Advantage DEDUCTIBLE Original 12 Term:_______________ Months 12000 Term:___________________ Miles *Coverage begins fifteen (15) Days and one thousand (1000) miles after the CONTRACT PURCHASE DATE listed above. SINGLE PAYMENT CONTRACT PRICE EXPIRATION DATE: 7/2/2022 EXPIRATION MILEAGE: 136283 $ 1500.00 Westlake Financial $ 100.00 LIENHOLDER I have READ, UNDERSTAND, and AGREE to the terms and conditions within the body of this contract. I also UNDERSTAND that this Vehicle Service Contract is subject to a fifteen (15) day and one thousand (1000) mile WAITING PERIOD before coverage begins and there is a complete description of the WAITING PERIOD in Section 1 of this Contract. eSigned By: eSigned By: natalia carter Tizeta Birhane Teklehaymanot Jul 02, 2021 3:23:18 PM PDT Jul 02, 2021 3:21:34 PM PDT OWNER’S SIGNATURE 7/2/2021 DATE This Vehicle Service Contract contains an arbitration provision. It limits certain of YOUR rights, including YOUR right to obtain relief or damages through court action. Purchase of this Vehicle Service Contract is not required in order to purchase or finance a motor vehicle. This contract is between A.U.L. Corp., 1250 Main Street, Suite 300, Napa, CA 94559, 1‐855‐343‐6753 (herein referred to as the “OBLIGOR”) and YOU and provides coverage as indicated above. This Vehicle Service Contract is not an insurance policy. Unless otherwise regulated under state law, the contents of this Vehicle Service Contract should be interpreted and understood within the meaning of a "service contract" in Public Law #93‐637. However, OUR obligations under this Vehicle Service Contract are insured by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157. If WE fail to perform or make payment under the terms of this Vehicle Service Contract within sixty (60) days after YOU request performance or payment, YOU may apply directly to American Bankers Insurance Company of Florida. Please call 1‐866‐306‐ 6694 for instructions. For Arizona Residents Only: YOUR Vehicle Service Agreement has an Arbitration Provision. By signing in the section entitled OWNER’S SIGNATURE, YOU acknowledge that YOU are waiving YOUR right to go to court, except as provided in the Arbitration Provision or to have a jury trial or to participate as any member of a class of claimants pertaining to any claim. Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. SECTION 1. KEY TERMS AND PROVISIONS This Vehicle Service Contract is not an insurance policy. This is a Vehicle Service Contract between the SERVICE CONTRACT HOLDER and the OBLIGOR. This Contract provides additional information regarding responsibility for benefits. State restrictions may apply; please refer to the STATE DISCLOSURE section for details. Any modification, alteration, or change to the preprinted terms and conditions of this Vehicle Service Contract shall render it invalid and of no force or effect. No coverage is afforded under this Vehicle Service Contract without a valid Owner’s Signature. This Vehicle Service Contract is only in force upon the receipt and acceptance of this Vehicle Service Contract by the ADMINISTRATOR. If any information contained in this Vehicle Service Contract about the SERVICE CONTRACT HOLDER, the COVERED VEHICLE or the coverage that YOU selected is in error, please contact the ADMINISTRATOR or the SELLING DEALER immediately. Purchase of this Vehicle Service Contract is not required in order to purchase or finance a motor vehicle. THIS CONTRACT IS INCLUSIVE OF THE MANUFACTURER’S WARRANTY; IT DOES NOT REPLACE THE MANUFACTURER’S WARRANTY, BUT PROVIDES CERTAIN ADDITIONAL BENEFITS DURING THE TERM OF THE MANUFACTURER’S WARRANTY. LOSSES COVERED BY THE MANUFACTURER DURING THE MANUFACTURER’S WARRANTY PERIOD ARE NOT COVERED UNDER THIS CONTRACT. The General Provisions of this Vehicle Service Contract contain several words that have special meanings. The following words are important in this Vehicle Service Contract and they are printed in BOLD type below. “ADMINISTRATOR” means A.U.L. Corp. 1250 Main Street, Suite 300, Napa, California 94559, 1‐855‐343‐6753. “CLAIM” means a request or demand made by YOU for benefits under this Vehicle Service Contract. “CONTRACT PURCHASE DATE” means the date this Contract was purchased as listed on this Vehicle Service Contract. “COST” means the usual and approved charges for parts and labor to repair or replace the covered part. Replacement of covered parts may be made with new, remanufactured, or parts of like kind and quality, at the option of the ADMINISTRATOR. “COVERED VEHICLE” means the car, light duty truck, or van described as such on this Vehicle Service Contract. “DECLARATIONS PAGE” means the numbered document executed by YOU which is part of this Vehicle Service Contract. It lists information regarding the COVERED VEHICLE, Vehicle Service Contract terms, and other vital information. “DEDUCTIBLE” means the amount that the SERVICE CONTRACT HOLDER must pay for covered repairs per repair visit. The DEDUCTIBLE will not apply to the ADDITIONAL BENEFITS listed in SECTION 7. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT. “EXPIRATION DATE” means the CONTRACT PURCHASE DATE plus the WAITING PERIOD plus the Term Months as listed on this Vehicle Service Contract. “EXPIRATION MILEAGE” means the present mileage as listed on the DECLARATIONS PAGE of this Vehicle Service Contract plus the WAITING PERIOD plus the Term Miles as listed on this Vehicle Service Contract. This Contract will expire at either the EXPIRATION DATE or the EXPIRATION MILEAGE, whichever occurs first, or when WE have wholly fulfilled OUR financial obligations under the terms of the Limit of Liability clause of SECTION 8. WHAT IS NOT COVERED by this Contract. “FAILURE” or “FAILED” means the inability of any covered component(s), which has received manufacturer’s recommended service, to perform the function(s) for which it was designed, including when any covered component(s) has worn beyond the manufacturer’s tolerances allowed for the particular Vehicle at the mileage when the problem occurs. “INTERNALLY LUBRICATED PART” means any internal part that requires lubrication to reduce friction between two moving surfaces. “LIENHOLDER” means the company listed on the DECLARATIONS PAGE of this Vehicle Service Contract that has advanced the money for the purchase of this Vehicle Service Contract. “OBLIGOR”, “WE”, “US” or “OUR” means A.U.L. Corp. 1250 Main Street, Suite 300, Napa, California 94559, 1‐855‐343‐6753, the entity obligated to perform under this Vehicle Service Contract. “ODOMETER MILES” means the mileage recorded on the odometer provided that it has not stopped or been changed to lower the actual mileage, as determined in accordance with Public Law 92‐513, Title IV, as amended. “SELLING DEALER” means the Dealer described as such on this Vehicle Service Contract. “SERVICE CONTRACT HOLDER,” “YOU,” and “YOUR” mean the owner designated as such on this Vehicle Service Contract. “WAITING PERIOD” means the fifteen (15) day and one‐thousand (1,000) mile time period after the CONTRACT PURCHASE DATE before coverage begins. The additional time and mileage will be added to the term of this Vehicle Service Contract. Copy of Original SECTION 2. MAINTENANCE RESPONSIBILITIES The SERVICE CONTRACT HOLDER must have the COVERED VEHICLE serviced according to the service and maintenance schedule outlined in the owner’s manual published by the manufacturer of the COVERED VEHICLE. YOU must also maintain proper fluid levels. The SERVICE CONTRACT HOLDER must keep all maintenance records, from the date YOU purchased the COVERED VEHICLE to the EXPIRATION of this Vehicle Service Contract, supported by receipts indicating date, time, mileage, and service performed, and these records must be available to the ADMINISTRATOR and/or the SELLING DEALER upon request. Proof of maintenance will be required for certain repairs under this Vehicle Service Contract. Failure to provide proof of required maintenance may result in denial of coverage. Failure to properly maintain YOUR COVERED VEHICLE in accordance with YOUR owner’s manual will result in denial of coverage. SECTION 3. HOW TO OBTAIN REPAIRS 1. 2. 3. 4. ADMINISTRATOR PHONE NUMBER AND ADDRESS: Toll Free 1‐855‐343‐6753 | 1250 Main Street, Suite 300, Napa, CA 94559. AFTER HOURS CLAIMS: For CLAIMs outside of the ADMINISTRATOR’s normal business hours, please follow the instructions in paragraph 4 below. Prevent Further Damage: Take immediate action to prevent further damage to YOUR COVERED VEHICLE. Any damage resulting from continued operation of an impaired vehicle will constitute failure to protect the COVERED VEHICLE and will not be covered under this Vehicle Service Contract. Return YOUR COVERED VEHICLE to the SELLING DEALER: If YOUR COVERED VEHICLE is within sixty (60) miles of the SELLING DEALER, YOU must deliver the COVERED VEHICLE to the SELLING DEALER at the address shown on the DECLARATIONS PAGE of this Vehicle Service Contract. Call the ADMINISTRATOR for instructions on how to start a CLAIM at 1‐855‐343‐6753: If YOUR COVERED VEHICLE is more than sixty (60) miles from the SELLING DEALER, WE reserve the right to select the repair facility. Call the ADMINISTRATOR for instructions BEFORE YOU deliver YOUR COVERED VEHICLE to any repair facility other than the SELLING DEALER. To ensure coverage under the terms of this Vehicle Service Contract, the repair facility must contact the ADMINISTRATOR and obtain their authorization PRIOR to beginning teardown or repair. YOU are responsible for authorizing diagnosis or teardown of YOUR COVERED VEHICLE by the repair facility to determine the cause of FAILURE. If the FAILURE is not covered under this Vehicle Service Contract, YOU will be responsible for these costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED VEHICLE prior to any repair being made. Replacement of covered parts may be made with new, remanufactured, or parts of like kind and quality, at the option of the ADMINISTRATOR. Emergency Repairs: If emergency repairs covered by this Vehicle Service Contract are required outside the ADMINISTRATOR’s or SELLING DEALER’s business hours, the SERVICE CONTRACT HOLDER should deliver the COVERED VEHICLE to a licensed repair facility and have the necessary repairs performed at a reasonable and customary charge. On the next business day, the SERVICE CONTRACT HOLDER should report the repairs to the ADMINISTRATOR. To report an emergency repair and obtain a reimbursement, please call 1‐855‐ 343‐6753 for instructions. Emergency repairs are only those repairs, which, if not performed, would render YOUR COVERED VEHICLE inoperable or unsafe to drive and impair its future operation. Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. SECTION 4. TRANSFER AND RENEWAL PROCEDURES This Vehicle Service Contract may be transferred one time to a new owner during the Vehicle Service Contract term. This Vehicle Service Contract may not be assigned separately from the COVERED VEHICLE, nor can it be assigned or transferred to a new‐or used‐car dealer or anyone other than the individual who is purchasing the COVERED VEHICLE for personal use. A transfer fee of fifty dollars ($50.00) will be charged. The new owner must supply the ADMINISTRATOR with their name, address, telephone number, current vehicle mileage on COVERED VEHICLE, a copy of the bill of sale to validate the transfer, and all maintenance records from the previous owner dating back to the CONTRACT PURCHASE DATE. The ADMINISTRATOR must be notified within thirty (30) days of the date of sale of the COVERED VEHICLE for the transfer to the new owner to be effective. Once transferred, this Vehicle Service Contract is non‐refundable. This Vehicle Service Contract is not transferable from vehicle to vehicle. This Vehicle Service Contract is not renewable. SECTION 5. CANCELLATION In the event the COVERED VEHICLE is repossessed, declared a total loss, or YOU give notice of cancellation, this Vehicle Service Contract shall terminate. 1. In the event of a valid repossession or total loss of the COVERED VEHICLE, the rights under this Vehicle Service Contract, which include cancellation, shall immediately transfer to the applicable LIENHOLDER, only if the LIENHOLDER is an outside financial institution not controlled by the SELLING DEALER. 2. a. This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER or the LIENHOLDER. If the SERVICE CONTRACT HOLDER or the LIENHOLDER cancels this Vehicle Service Contract within the first thirty (30) days and no CLAIMs have been filed, the SELLING DEALER will refund the entire Vehicle Service Contract Price. b. If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days or a CLAIM has been filed, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, decreased by the amount of any CLAIMs paid under the contract. c. A fifty dollar ($50.00) service fee will be deducted from all refunds for cancellations requested after the first thirty (30) days. 3. How to cancel: Provide the SELLING DEALER with: (1) The SERVICE CONTRACT HOLDER copy of this Vehicle Service Contract; (2) a brief letter signed by the SERVICE CONTRACT HOLDER requesting cancellation; (3) an affidavit indicating the true odometer reading on the date of the request. In the event of cancellation, the LIENHOLDER, if any, will be named on the cancellation refund check as their interest may appear; (4) If the contract is financed or on a payment plan, provide the lender’s name and mailing address. If account is paid in full, documentation from lender stating account has been satisfied will be required. SECTION 6. CANCELLATION BY ADMINISTRATOR The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for any reason by mailing, via certified mail at least fifteen (15) days prior to termination, a notice of termination to YOUR last known address to include a statement of the reason for and effective date of termination and by tendering a refund as follows: If the ADMINISTRATOR cancels this Vehicle Service Contract, the refund will be calculated in accordance with paragraph 2 in SECTION 5. CANCELLATION. Copy of SECTION 7. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT This Vehicle Service Contract will cover the parts listed below based on the coverage level that YOU purchased. Only those parts specifically listed below are covered. Refer to the DECLARATIONS PAGE to determine which coverage group(s) apply to YOUR COVERED VEHICLE. Items listed in SECTION 8. WHAT IS NOT COVERED are not covered under this Vehicle Service Contract. I.POWERTRAIN COVERAGE A. Engine Group: All INTERNALLY LUBRICATED PARTs. Crankshaft and bearings, oil pump, fuel pump, diesel injection pump, internal timing gears or chain/belt, camshaft, camshaft bearings, valve lifters, rocker arm assemblies and push rods, valve guides, pistons and rings, wrist pins, connecting rods, motor mounts, and distributor drive gear. The engine block and cylinder heads are covered only if damage is caused by the FAILURE of an INTERNALLY LUBRICATED PART. ENGINE (Rotary): All of the above listed parts plus rotors, rotor seals, rotor chamber, eccentric shaft and bearings. B. Turbocharger/Supercharger: Factory installed turbocharger or supercharger, including housing, and all internal parts. C. Transmission, Transaxle and Transfer Case (4x4/AWD): All INTERNALLY LUBRICATED PARTs. Drive shaft/U joint, torque converter, and transmission mounts. Case housings are covered if damaged by the FAILURE of an INTERNALLY LUBRICATED PART. D. Drive Axle Group (Front or Rear): Pinion bearings, side carrier bearings, ring and pinion gears, carrier assembly, thrust washers, axles, axle bearings, constant velocity joints, internal transaxle seal, and drive axle housing if damaged by the FAILURE of an INTERNALLY LUBRICATED PART. E. Seals and Gaskets: Seals and gaskets are covered when replaced in conjunction with a covered FAILURE. Original II.ADVANTAGE COVERAGE All POWERTRAIN COVERAGE as listed above, plus: A. Power Steering Group: Steering gear box, pump assembly, rack and pinion, pitman arm, idler arm, tie rod, control valves, and intermediate shafts. B. Air Conditioning Group: Compressor, condenser, evaporator, a/c clutch & coil, expansion valve, receiver drier, blower motor, and heater control valve. C. Electrical Group: Alternator, starter motor, front and rear wiper motors, voltage regulator, distributor, solenoids, electronic fuel injectors, throttle position sensor, front oxygen sensor, crankshaft position sensor, camshaft position sensor, fuel pressure sensor, electronic ignition module, ignition coils, power window motors/regulators, power mirror motors, power seat motors, 4WD encoder motor, power lock actuators, and the following manually operated switches: window switch, seat adjuster switch, headlight switch, turn signal switch, door lock switch, wiper switch, ignition switch. III.ADDITIONAL BENEFITS/ROADSIDE ASSISTANCE (ALL Plans) In order to obtain the additional benefits listed below, please call 1‐855‐533‐2033. 1. Towing: In the event the COVERED VEHICLE becomes disabled due to a mechanical FAILURE which renders the COVERED VEHICLE inoperable, WE will arrange to have the COVERED VEHICLE transported, one time per CLAIM, to the nearest qualified repair service facility within one hundred fifty (150) miles. YOU are responsible for any charges that exceed the stated coverage limit. 2. Flat Tire Change: In the event of a flat tire on the COVERED VEHICLE, WE will arrange for a service provider to mount an inflated spare tire provided by YOU. In the event the spare tire is not functional, WE will provide YOU with transportation to the nearest tire store for repairs. 3. Emergency Fuel Delivery Service: In the event the Vehicle runs out of gas, WE will arrange for a service provider to deliver two (2) gallons of gas to the COVERED VEHICLE. YOU are responsible for the cost of the emergency supply of gas at the time of delivery. (Compressed Natural Gas (CNG) vehicles excluded) 4. Battery Jump Service: In the event the COVERED VEHICLE will not crank due to a weak or “run‐down” battery, WE will arrange for a service provider to boost or jump‐start the battery. 5. Key Lockout Service: In the event the keys for the COVERED VEHICLE are lost, broken or accidentally locked in the COVERED VEHICLE, WE will arrange for a service provider to unlock the COVERED VEHICLE and will pay up to a maximum of one hundred dollars ($100) per occurrence for the locksmith service, excluding the cost of replacement keys. YOU are responsible for the cost of any replacement keys at the time of service. To obtain roadside assistance, call 1‐855‐533‐2033. Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. IV.RENTAL CAR The ADMINISTRATOR will reimburse the SERVICE CONTRACT HOLDER, for actual rental car expense incurred, up to thirty dollars ($30.00) per twenty‐four (24) hour period, with a one hundred fifty dollar ($150.00) maximum per CLAIM. In order to qualify for reimbursement, the COVERED VEHICLE must: 1) be retained by the repair facility overnight, and; 2) have a FAILURE to a covered component based on the coverage plan selected, that if driven, would result in further damage to the COVERED VEHICLE. An additional ninety dollars ($90.00) of rental coverage applies only in the event of a parts delay when an internal repair or replacement is performed on a major component (Engine Group, Transmission Group, Drive Axle Group). Reimbursement will not continue beyond the day that repairs are completed and the SERVICE CONTRACT HOLDER is notified of completion. Reimbursement is only valid if rental is from a licensed car rental agency. V. TRIP INTERRUPTION In the event of a FAILURE of the COVERED VEHICLE during the term of this policy, YOU will be reimbursed up to $100 per day for up to three (3) days for meals and lodging when the FAILURE occurs more than 150 miles from YOUR residence. Benefits are per FAILURE and YOU must remain overnight for YOUR lodging and meals between the date of the FAILURE and the date the repairs are completed. YOU must provide to us valid lodging and meal receipts in order to be reimbursed. SECTION 8. WHAT IS NOT COVERED A. Repairs or replacements not authorized in advance by the ADMINISTRATOR, except for repairs that qualify as Emergency Repairs as described in SECTION 3. HOW TO OBTAIN REPAIRS. B. Repairs or replacements of components of the COVERED VEHICLE that were not operating properly in accordance with manufacturer’s specifications at the time of sale of this Vehicle Service Contract. C. Any mechanical breakdown or FAILURE that occurs to or results from non‐standard (any component not installed by the original manufacturer) or high performance parts, alternate fuels, any mechanical or electrical alterations made to the COVERED VEHICLE including, but not limited to, the use of oversized tires, mismatched tire sizes according to manufacturer’s guidelines, installation of header pipes, lift kits, or snow plow equipment or fittings. D. Any part, repair, or replacement thereof while covered by insurance, a manufacturer’s warranty, recall program, factory service bulletins, special policy, certified program or dealer warranty. E. Any COVERED VEHICLE if the odometer has been tampered with, altered, disconnected (excluding during maintenance or repair) or not maintained in working order, causing it to not record actual mileage driven. F. Any mechanical breakdown or FAILURE caused by (a) failure to service the COVERED VEHICLE as recommended by the manufacturer; (b) overheating, regardless of the cause of overheating or resulting from contamination or inadequate amounts of coolant, lubricants, or fluids; (c) continued operation of YOUR COVERED VEHICLE or failure to use reasonable means to protect YOUR COVERED VEHICLE from further damage after a FAILURE occurs; (d) sludge, rust, residue, or corrosion; (e) lack or loss of oil or lubricant, or poor quality lubricant or fluids; or (f) OWNER OR DRIVER NEGLIGENCE OR MISUSE, WHICH SHALL INCLUDE OPERATION OF THE VEHICLE AFTER THE FAILURE OF ANY PART, THE NORMAL OPERATION OF WHICH IS REQUIRED TO MAINTAIN A SAFE ENGINE OPERATING TEMPERATURE. AN UNSAFE ENGINE OPERATING TEMPERATURE IS INDICATED BY GAUGES, WARNING LIGHTS, OR AUDIBLE WARNING SOUNDS. G. Any vehicle used for any form of competitive driving, racing or abusive driving. H. Any COVERED VEHICLE used for pulling a trailer with a gross vehicle weight in excess of 1,500 pounds unless the vehicle is equipped as recommended by the manufacturer. I. The following, unless required in connection with repairs or replacements covered hereunder: adjustments, wheel or suspension alignments, wheel balancing, engine tune‐ ups, grinding valves, refrigerants, reprogramming. J. Phones, Wireless Transmitting Devices, Television/VCR, DVD Players and LCD Screens (except as described in this Vehicle Service Contract), Satellite Radio, Electronic Device Software. K. Commercial use including, but not limited to, public hire, rental, taxi, or livery, and vehicles with non‐standard equipment installed specifically to facilitate commercial use. L. During the period covered by this Vehicle Service Contract, it may become necessary to: (a) replace spark/glow plugs, cap and rotors, points, fuses, wiper blades, PCV valves, emission components, fly wheels, flex plates, clutch assembly and hydraulics, brake and clutch linings, pressure plate, throw‐out and pilot bearings, hoses, molded rubber or rubber like items, filters, glass and glass lenses, windows, any component whose only purpose is for illumination, such as but not limited to: sealed beams, high intensity discharge (h.i.d. or xenon) bulbs, h.i.d. headlamp assemblies, ballasts, h.i.l.e.d. cooling systems, l.e.d. assemblies, light bulbs, lenses, wheels, tires, trim, moldings, bright metal, upholstery, paint, exhaust system, brake rotors and drums, batteries, carburetor; (b) adjustments to carburetor, throttle body assembly, ignition, transmission bands, belts or clutch system; (c) clean fuel and cooling systems, or remove sludge or carbon deposits; (d) add oil, coolant, fluids, lubricants, greases, or refrigerants. Costs for these services and parts are not covered by this Vehicle Service Contract, regardless of the cause of failure. M. Storage charges, shop supplies, and materials charge; diagnostic procedures not in the flat rate time to repair the covered component. N. Losses resulting from delays or failures caused by acts of God, accidental loss or damage, collision or upset, falling missiles or objects, fire, theft, larceny, explosion, lightning, earthquake, windstorm, hail, water, flood, freezing, malicious mischief, vandalism, war, riot or civil commotion, labor strikes, or other causes beyond the control of the ADMINISTRATOR. O. Incidental or consequential damages, such as loss of time, inconvenience or loss of use of the COVERED VEHICLE or injury or death to any persons. P. A part or component that a repair facility may recommend replacing but which has not FAILED. Q. Maintenance services and parts described in the Manufacturer’s Maintenance Schedule for the COVERED VEHICLE. R. Rust damage or body repair, convertible or vinyl tops, air and water leaks, wind noise, weather strips, squeaks, and rattles. S. Repairs or replacements made outside the United States or Canada. T. Repairs to correct loss of compression or oil consumption related to burnt or carbonized piston rings or valve components. U. Mechanical breakdown caused by ruptured or damaged constant velocity boots. V. Damage to a covered part resulting from a mechanical breakdown or FAILURE of a non‐covered part, or from faulty or negligent repairs, or installation of defective parts. W. Damages for bad faith, punitive or exemplary damages, property damage (except as specifically stated in this Vehicle Service Contract), and attorney fees. X. Any vehicle not originally manufactured to U.S. specifications or with restricted titles, commonly known as a grey market vehicle; salvaged vehicles, factory buybacks, assembled, dismantled, scrap, fire, flood, physical damage, saltwater, frame change, motor change, body exchange, junk or parts only. Y. Limit of Liability (per repair visit)‐The COST of repairs in excess of the approved COST to correct any FAILURE using the approved retail labor time from a nationally recognized labor time guide (i.e. Motors Guide, All‐Data), less any DEDUCTIBLE. Parts replacement costs shall not exceed the Manufacturer’s suggested retail price. In no event shall OUR liability exceed either of the following amounts: the approved COST necessary to correct the actual cause of FAILURE or the Actual Cash Value of the vehicle immediately prior to the FAILURE. Z. Limit of Liability (Aggregate)‐The aggregate total of all repairs and benefits paid or payable while this Vehicle Service Contract is in force shall not exceed the NADA actual cash value of the COVERED VEHICLE at time of current repair, or five thousand dollars ($5000.00), whichever is greater. AA. Authorized covered repairs that have not been submitted to the ADMINISTRATOR within one hundred eighty (180) days from date of completed repairs. BB. Mechanical breakdown caused by or due to the failure of nuts, bolts, or fasteners (internal and/or external). CC. Parts not expressly listed in SECTION 7. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, are not covered. DD. Failure occurring within the first fifteen (15) Days and one thousand (1000) Miles after the Service CONTRACT PURCHASE DATE. Copy of Original Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. SECTION 9. ARBITRATION PROVISION READ THE FOLLOWING ARBITRATION PROVISION ("PROVISION") CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO OBTAIN RELIEF OR DAMAGES THROUGH COURT ACTION. To begin Arbitration, either YOU or WE must make a written demand to the other party for arbitration. The Arbitration will take place before a single arbitrator. It will be administered in keeping with the Expedited Procedures of the Commercial Arbitration Rules ("Rules") of the American Arbitration Association ("AAA") in effect when the claim is filed. YOU may get a copy of these AAA's Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019, calling 1‐800‐778‐7879 or visiting www.adr.org. The filing fees to begin and carry out arbitration will be shared equally between YOU and US. This does not prohibit the arbitrator from giving the winning party their fees and expenses of the arbitration. Unless YOU and WE agree, the arbitration will take place in the county and state where YOU live. The Federal Arbitration Act, 9 U.S.C. § 1, et seq., will govern and not any state law on arbitration. YOU AGREE AND UNDERSTAND THAT THIS ARBITRATION PROVISION MEANS THAT YOU GIVE UP YOUR RIGHT TO GO TO COURT ON ANY CLAIM COVERED BY THIS PROVISION. YOU also agree that any arbitration proceeding will only consider YOUR claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering YOUR claims. Please refer to the State Requirements section of this Agreement for any added requirements in YOUR state. In the event this Arbitration provision is not approved by the appropriate state regulatory agency, and/or is stricken, severed, or otherwise deemed unenforceable by a court of competent jurisdiction, YOU and WE specifically agree to waive and forever give up the right to a trial by jury. Instead, in the event any litigation arises between YOU and US, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck. SECTION 10. STATE DISCLOSURES The following state specific requirements are added to and become part of YOUR Vehicle Service Contract and supersede any other provision to the contrary: Alabama: SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. (iii) If the SERVICE CONTRACT HOLDER cancels this Vehicle Service Contract after thirty (30) days or a CLAIM has been filed, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven related to the plan selected, reduced by an administrative fee of up to twenty‐five ($25.00) dollars. SECTION 5. CANCELLATION, 2.b. is deleted and does not apply. SECTION 5. CANCELLATION, 2.c. is amended to add the following: The service fee shall not exceed twenty‐five ($25.00) dollars. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The ADMINISTRATOR may not cancel this Vehicle Service Contract except for fraud, material misrepresentation or nonpayment by the SERVICE CONTRACT HOLDER. If the ADMINISTRATOR cancels, the ADMINISTRATOR will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven related to the plan selected. If the ADMINISTRATOR or the LIENHOLDER cancels this Vehicle Service Contract, the refund will not be reduced by an administrative fee. Arizona: In the section entitled KEY TERMS AND PROVISIONS, the statement “This Vehicle Service Contract is only in force upon the receipt and acceptance of this Vehicle Service Contract by the ADMINISTRATOR.” is deleted and does not apply. Item 2.a. in Section 5 CANCELLATION is deleted and replaced with the following: 2.a. This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER or the LIENHOLDER. If the SERVICE CONTRACT HOLDER or the LIENHOLDER cancels this Vehicle Service Contract within the first thirty (30) days, WE will refund the entire Vehicle Service Contract Purchase Price. Item 2.b. in Section 5 CANCELLATION is deleted and replaced with the following: If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days, WE will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected. Item 2.c. in Section 5 CANCELLATION is deleted and does not apply. Item 3. in Section 5 CANCELLATION is amended to add the following: A.U.L. Corp. is the responsible party for the payment of the cancellation refund to the SERVICE CONTRACT HOLDER. Section 6 CANCELLATION BY ADMINISTRATOR is amended to add the following: No Claims incurred or paid shall be deducted or voided by the ADMINISTRATOR from the amount to be returned in Section 6 CANCELLATION BY ADMINISTRATOR. In accordance with A.A.C. R20‐6‐407(E)(4)(a) and A.A.C. R20‐6‐407(E)(4)(c)(iii), the ADMINISTRATOR may not terminate (cancel) or void this Vehicle Service Contract for the following reasons: (i) acts or omissions of the service company, its assignees or subcontractors for their failure to provide correct information. (ii) misrepresentation or fraud by either the SELLING DEALER, Service Company or its subcontractors. In the event of Cancellation by ADMINISTRATOR, the ADMINISTRATOR will notify the SERVICE CONTRACT HOLDER by certified mail, a notice of termination to YOUR last known address and by tendering a refund as follows: in the event this Vehicle Service Contract is cancelled by the ADMINISTRATOR, one hundred percent (100%) of the Vehicle Service Contract Purchase Price will be considered unearned and the ADMINISTRATOR will not deduct a service fee from such refund. Items B and T in Section 8 WHAT IS NOT COVERED are deleted and do not apply. Items C, K, and N in Section 8 WHAT IS NOT COVERED are revised to add the following: Items C, K, and N apply only during the term of this Vehicle Service Contract, while owned by the SERVICE CONTRACT HOLDER. This Vehicle Service Contract cannot be cancelled or voided due to any conditions listed in Items C, K, and N which occurred prior to the CONTRACT PURCHASE DATE. Item E. in Section 8 WHAT IS NOT COVERED is deleted and replaced with the following: Vehicles for which the odometer has been tampered with, disconnected or altered in anyway by the SERVICE CONTRACT HOLDER. Item F (b) in Section 8 WHAT IS NOT COVERED is amended to add the following: (b) FOR REPAIR COSTS OR EXPENSES CAUSED BY THE FAILURE OF YOU TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS; Item X. in Section 8 WHAT IS NOT COVERED is deleted and does not apply. Section 9 ARBITRATION PROVISION is amended to include the following: This arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints as outlined by the Arizona Department of Insurance. To learn more about this process, YOU may contact the Arizona Department of Insurance at 2910 N. 44th St., 2nd Fl. Phoenix, AZ 85018‐7269, Attn: Consumer Affairs. You may directly file any complaint with the A.D.O.I. against a Service Company issuing an approved Service Contract under the provisions of A.R.S. §§ 20‐1095.04 and/or 20‐1095.09 by contacting the Consumer Affairs Division of the A.D.O.I., toll free phone number 800‐325‐2548. Colorado: The obligations under this contract are insured by a policy of insurance issued by American Bankers Insurance Company of Florida. Policy number SFM‐12‐CO‐1‐ 3 or SFN‐12‐CO‐1‐2. If a covered CLAIM is not paid within sixty (60) days after YOU have filed a proof of loss, YOU may file a CLAIM directly with American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, Florida 33157. Please call 1‐866‐306‐6694 for instructions. Connecticut: SECTION 3. HOW TO OBTAIN REPAIRS, 3. is amended to add the following: If the SERVICE CONTRACT HOLDER reports a covered CLAIM to the ADMINISTRATOR prior to the expiration of the Vehicle Service Contract, the ADMINISTRATOR will repair or replace the covered components or cause such repair or replacement to be made by an authorized repair facility even if the period of time required for such repair extends beyond the expiration of the Vehicle Service Contract, or the repair facility causes the Vehicle Service Contract to expire by mileage due to test drives. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended as follows: (i) The ADMINISTRATOR may cancel this Vehicle Service Contract if the COVERED VEHICLE is returned, sold, lost, stolen or destroyed. (ii) Notice will be mailed at least forty‐ five (45) days prior to termination. SECTION 7. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, Towing: is amended to add the following: Any dollar amount charged for distances over this one hundred fifty (150) mile limit per occurrence must be paid by the SERVICE CONTRACT HOLDER. SECTION 9. ARBITRATION PROVISION is amended to include the following: RESOLUTION OF DISPUTES: If WE are unable to resolve any disputes with YOU regarding this Vehicle Service Contract, YOU may file a written complaint with the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142‐0816, Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the item subject to the Vehicle Service Contract, the cost of the repair of the item, and a copy of the Vehicle Service Contract. Georgia: Section 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐ refundable. Section 5. CANCELLATION, 1 is deleted in its entirety. Section 5 CANCELLATION item 2.a. is deleted and replaced with the following: This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER. If the SERVICE CONTRACT HOLDER cancels this Vehicle Service Contract within the first thirty (30) days and no claims have been filed, the SELLING DEALER will refund the entire Vehicle Service Contract Price. The lienholder may only cancel this Vehicle Service Contract due to a repossession or total loss. Section 5 CANCELLATION item 2.b. is deleted and replaced with the following: If this Vehicle Service Contract is cancelled by the SERVICE CONTRACT HOLDER after the first thirty (30) days or a claim has been filed, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected. Section 5 CANCELLATION item 2.c. is deleted and does not apply. Section 6 CANCELLATION BY ADMINISTRATOR is amended to add the following: The ADMINISTRATOR may not cancel this Vehicle Copy of Original Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Service Contract except for fraud, material misrepresentation or non‐payment by the SERVICE CONTRACT HOLDER. If the ADMINISTRATOR cancels, notice of such cancellation will be in writing and include a statement of the reason for cancellation, and given at least thirty (30) days prior to cancellation (ten (10) days if cancellation is due to non‐payment by YOU). If the ADMINISTRATOR cancels, the ADMINISTRATOR will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven related to the plan selected. The cancellation will comply with Section 33‐ 24‐44 of the Georgia Code. Section 8 WHAT IS NOT COVERED sections are amended as follows: Item B. Repairs or replacements of components known by YOU of the COVERED VEHICLE, which were not operating properly in accordance with manufacturer’s specifications at the time of the sale of this Vehicle Service Contract; Item C. Any mechanical breakdown or FAILURE which occurs to or results from non‐standard (any component not installed by the original manufacturer) or high performance parts, alternate fuels, any mechanical or electrical alterations made to the COVERED VEHICLE by YOU or with YOUR knowledge including, but not limited to, the use of oversized tires, mismatched tire sizes according to manufacturer’s guidelines, installation of header pipes, lift kits, or snow plow equipment or fittings; Item E. Any COVERED VEHICLE, if while owned by YOU, the odometer has been tampered with, altered, disconnected (excluding during maintenance or repair) or not maintained in working order, causing it to not record actual mileage driven; Item F. (b) for repairs costs or expenses caused by the failure to maintain proper qualities or levels of coolant or lubricant while owned by YOU; Item F. (d) rust, residue, or corrosion; Item L. (c) clean fuel and cooling systems, or remove carbon deposits; Section 9 ARBITRATION PROVISION is deleted in its entirety and does not apply. Hawaii: SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The requirement to mail notice fifteen (15) days before cancellation does not apply if cancellation is for nonpayment, material misrepresentation or substantial breach of duties by the SERVICE CONTRACT HOLDER. If YOU have a question or complaint, YOU may contact the Insurance Commissioner, 335 Merchant Street, Rm. 213, Honolulu, Hawaii 96813. Idaho: Coverage afforded under this Vehicle Service Contract is not guaranteed by the Idaho Insurance Guaranty Association. SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐refundable. Illinois: Section 1. KEY TERMS AND PROVISIONS, The definition of “FAILURE” is amended to add the following: Coverage will be afforded for wear and tear that exceeds the manufacturer’s specifications. Section 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐refundable. Section 5. CANCELLATION, 2.c. is amended as follows: The ADMINISTRATOR may retain a cancellation fee not to exceed the lesser of ten percent (10%) of the Vehicle Service Contract price or fifty dollars ($50.00) from all refunds for cancellations requested after the first sixty (60) days. The OBLIGOR of this Vehicle Service Contract is A.U.L. Corp. and is the party responsible for honoring cancellation requests. Indiana: This service contract is not insurance and is not subject to Indiana insurance law. YOUR proof of payment to the SELLING DEALER or the ADMINISTRATOR which issued this Vehicle Service Contract shall be considered proof of payment to the Insurance Company identified on the DECLARATIONS PAGE which guarantees OUR obligations to YOU. SECTION 8. WHAT IS NOT COVERED, B. is amended as follows: Repairs or replacements of components of the COVERED VEHICLE that were not operating properly, and known by YOU, in accordance with manufacturer’s specifications at the time of sale of this Vehicle Service Contract. SECTION 9. ARBITRATION PROVISION is amended to add the following: While arbitration is mandatory, the outcome of any arbitration shall be non‐binding on the parties, and either party shall, following arbitration, have the right to reject the arbitration award and bring suit in a court of competent jurisdiction. The arbitration action will take place in the county where YOU reside. Iowa: In the event of a disputed CLAIM, YOU may contact the Iowa Commissioner of Insurance at the following address: Commissioner – Insurance Division, Two Ruan Center, 601 Locust St., 4th Floor, Des Moines, IA 50309‐3738. If YOU file a CLAIM with the Insurance Company, include a copy of YOUR Contract and YOUR paid repair order. This Vehicle Service Contract is subject to all applicable provisions of the Iowa Consumer Credit Code, Chapter 537. The DECLARATIONS PAGE is amended to include the following: This Vehicle Service Contract is not an insurance policy. Unless otherwise regulated under state law, the contents of this Vehicle Service Contract should be interpreted and understood within the meaning of a "service contract" in Public Law #93‐637. However, OUR obligations under this Vehicle Service Contract are insured by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157. If WE fail to perform or make payment under the terms of this Vehicle Service Contract within sixty (60) days after YOU request performance or payment, YOU may apply directly to American Bankers Insurance Company of Florida. Please call 1‐866‐306‐6694 for instructions. SECTION 5. CANCELLATION, 2.a. and 2.b. are amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within thirty (30) days of the return of the Contract to the ADMINISTRATOR. If YOU cancel this vehicle service contract, WE will mail a written notice of termination to YOU within fifteen days of the date of the termination. Kentucky: SECTION 8. WHAT IS NOT COVERED, F. is amended to add the following: (g) Any mechanical breakdown or FAILURE caused by gradual reduction in operation performance due to wear and tear. Louisiana: The ADMINISTRATOR of this Vehicle Service Contract is WISCONSIN A.U.L., INC. Section 1. KEY TERMS AND PROVISIONS is amended by deleting the following sentence: This Vehicle Service Contract is not an insurance policy. Section 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐refundable. Section 5. CANCELLATION, 2. a. is amended as follows: This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER or the lienholder. If the SERVICE CONTRACT HOLDER or the lienholder cancels this Vehicle Service Contract within the first thirty (30) days, the SELLING DEALER will refund the entire Vehicle Service Contract Price. 2. b. If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the lienholder after the first thirty (30) days, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven related to the plan selected. Section 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. Maine: SECTION 5. CANCELLATION, 2.a. is amended to include following: If the SERVICE CONTRACT HOLDER or the LIENHOLDER cancels this Vehicle Service Contract within the first thirty (30) days and a CLAIM has been filed, the refund will be the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, less CLAIMs paid or pending payment. A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 5. CANCELLATION, 2. b. is deleted and replaced with the following: If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, less CLAIMs paid or pending payment. SECTION 5. CANCELLATION, 2. c. is deleted and replaced with the following: An administrative fee of 10% of the Vehicle Service Contract Purchase Price or fifty dollars ($50.00), whichever is less, will be deducted from all refunds for cancellations requested after the first thirty (30) days. SECTION 6. CANCELLATION BY ADMINISTRATOR is deleted and replaced with the following: The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for any reason by mailing, via certified mail at least fifteen (15) days prior to termination, a notice of termination to YOUR last known address to include a statement of the reason for and effective date of termination and by tendering a refund as follows: If the ADMINISTRATOR cancels this Vehicle Service Contract within the first thirty (30) days and no CLAIMs have been filed, the refund will be the entire Vehicle Service Contract Price. If the ADMINISTRATOR cancels this Vehicle Service Contract after the first thirty (30) days or a CLAIM has been filed, the refund will be the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, less CLAIMs paid or pending payment and less an administrative fee of 10% of the Vehicle Service Contract Purchase Price, or fifty dollars ($50.00), whichever is less. Maryland: Per Maryland Commercial Law Article 14‐404 (b) (2) (i) (ii) (2) (i) A service contract is extended automatically when the provider fails to perform the services under the service contract. (ii) The service contract does not terminate until the services are provided in accordance with the terms of the service contract. Section 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. (ii) The right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. Copy of Original Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Minnesota: SECTION 1. KEY TERMS AND PROVISIONS is amended to add the following: Minnesota Statute 325F.662, subd.2, provides for express warranty coverage on used vehicles as follows: (1) if the used motor vehicle has less than 36,000 miles, the warranty must remain in effect for at least 60 days or 2,500 miles, whichever comes first; (2)if the used motor vehicle has 36,000 miles or more but less than 75,000 miles, the warranty must remain in effect for at least 30 days or 1,000 miles, whichever comes first. All coverage provided for YOUR vehicle under this motor vehicle service contract shall exclude coverage currently in force under any express warranty providing the same coverage for such vehicle as outlined above. SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 9. ARBITRATION PROVISION is amended to include the following: Any arbitration shall take place in the state where YOU reside or at any other place agreed to in writing by YOU and A.U.L. Corp. Mississippi: SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid or credited to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 5. CANCELLATION, 2.c. is amended to add the following: The service fee shall not exceed ten percent (10%) of the Single Payment Contract Price as listed on the DECLARATIONS PAGE. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended as follows: The ADMINISTRATOR may not cancel this Vehicle Service Contract except for nonpayment of the provider fee, material misrepresentation or a substantial breach of duties by the SERVICE CONTRACT HOLDER relating to the covered product or its use. Notification will be sent, via certified mail no less than thirty (30) days prior to termination. Item F (b) in SECTION 8. WHAT IS NOT COVERED is amended to add the following: (b) FOR REPAIR COSTS OR EXPENSES CAUSED BY THE FAILURE OF YOU TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS. SECTION 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. This Vehicle Service Contract is not provided or supported by a vehicle manufacturer or distributor. Missouri: The obligations under this Contract are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed, including a CLAIM for the refund of the unearned purchase price, or ADMINISTRATOR ceases to do business or goes bankrupt, YOU may apply directly to American Bankers Insurance Company of Florida. SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐refundable. SECTION 5. CANCELLATION, 2.a. is deleted and replaced with the following: This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER or the LIENHOLDER. If the SERVICE CONTRACT HOLDER or the LIENHOLDER cancels this Vehicle Service Contract within the first thirty (30) days, the SELLING DEALER will refund the entire Vehicle Service Contract Purchase Price. A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the Contract to the ADMINISTRATOR. This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 5. CANCELLATION, 2. b. is deleted and replaced with the following: If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected decreased by the amount of any CLAIMs paid under the contract. SECTION 6. CANCELLATION BY ADMINISTRATOR is deleted and replaced with the following: The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for any reason by mailing, via certified mail at least fifteen (15) days prior to termination, a notice of termination to YOUR last known address to include a statement of the reason for and effective date of termination and by tendering a refund as follows: If the ADMINISTRATOR cancels this Vehicle Service Contract within the first thirty (30) days, the refund will be one hundred (100%) percent of the Vehicle Service Contract Purchase Price. If the ADMINISTRATOR cancels this Vehicle Service Contract after the first thirty (30) days, the refund will be the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, less an administrative fee of fifty dollars ($50.00). Montana: SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The requirement to mail notice fifteen (15) days before cancellation does not apply if cancellation is for nonpayment, material misrepresentation or substantial breach of duties by the SERVICE CONTRACT HOLDER. Nebraska: SECTION 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. Nevada: The ADMINISTRATOR of this Vehicle Service Contract is WISCONSIN A.U.L., INC. SECTION 1. KEY TERMS AND PROVISIONS, “OBLIGOR”, “WE”, “US” or “OUR” definition is deleted and replaced with the following: “OBLIGOR”, “WE”, “US” or “OUR” means Wisconsin A.U.L., Inc. 1250 Main Street, Suite 300, Napa, California 94559, 1‐800‐826‐3207, the entity that is obligated to perform under this Vehicle Service Contract. SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) If the purchase price is not refunded within 45 days, the provider will pay the purchaser a penalty of 10 percent of the purchase price for each 30‐day period that the refund remains unpaid. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 5. CANCELLATION, 2.b. is deleted and replaced with the following: b. If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days or a CLAIM has been filed, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected. 2.c. is deleted and replaced with the following: c. A twenty five dollar ($25.00) service fee will be deducted from all refunds for cancellations requested after the first thirty (30) days. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: After this Vehicle Service Contract has been in effect for seventy (70) days, the ADMINISTRATOR may not cancel this Vehicle Service Contract except for one of the following reasons: (i) If SERVICE CONTRACT HOLDER fails to pay an amount when due; (ii) if SERVICE CONTRACT HOLDER is convicted of a crime which results in an increase in the service required under this Vehicle Service Contract; (iii) discovery of material misrepresentation or fraud only if such material misrepresentation or fraud occurs in the submission of a CLAIM by the SERVICE CONTRACT HOLDER; (iv) discovery of an act or omission by YOU or if YOU violate any condition of this Vehicle Service Contract after the effective date of this Vehicle Service Contract which substantially and materially increases the service required under this Vehicle Service Contract; or (v) a material change in the nature or extent of the required service or repair which occurs after the effective date of this Vehicle Service Contract which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time the Vehicle Service Contract was issued or sold. If the ADMINISTRATOR cancels this Vehicle Service Contract, the refund will be calculated in accordance with item 2.a. and 2.b. in SECTION 5. CANCELLATION. WE will not deduct a fee from such refund. SECTION 8. WHAT IS NOT COVERED, C. is deleted and replaced with the following: Any mechanical breakdown or FAILURE that occurs to or results from non‐standard (any component not installed by the original manufacturer) or high performance parts, alternate fuels, unauthorized or non‐manufacturer‐recommended modifications including, but not limited to, the use of oversized tires, mismatched tire sizes according to manufacturer’s guidelines, installation of header pipes, lift kits, mid‐size trucks or SUV’s lifted above 4 inches or with tire modifications exceeding 33 inches, full‐size trucks or SUVs lifted above 6 inches or with tire modification exceeding 35 inches, or snow plow equipment or fittings. However, if the COVERED VEHICLE is modified or repaired in an unauthorized or non‐manufacturer‐recommended manner, WE will not automatically suspend all coverage. Rather, this Contract will continue to provide any applicable coverage that is not related to the unauthorized or non‐manufacturer‐recommended modification or any damages arising therefrom, unless such coverage is otherwise excluded by the terms of this contract. SECTION 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. COVERAGE UNDER THIS VEHICLE SERVICE CONTRACT IS SUBJECT TO THE WAITING PERIOD AS DEFINED IN SECTION 1. KEY TERMS AND PROVISIONS OF THE VEHICLE SERVICE CONTRACT. New Hampshire: In the event YOU do not receive satisfaction under this contract, YOU may contact the New Hampshire Department of Insurance at 21 South Fruit Street, Suite 14, Concord, NH 03301 or call 1‐800‐852‐3416. SECTION 9. ARBITRATION PROVISION is amended by adding the following: This arbitration provision is subject to the Arbitration of Disputes Chapter, N.H. Rev. Stat. §§ 542:1, et seq. and does not impede the rights of the SERVICE CONTRACT HOLDER as provided under RSA 542. New Jersey: SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐ refundable. SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) per month penalty, based upon the purchase price of the contract, will be paid to the SERVICE CONTRACT HOLDER when a refund is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the cancellation of the contract. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The written notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation or omission, or a substantial breach of contractual obligations concerning the property or its use. New Mexico: This service contract is insured by American Bankers Insurance Company of Florida. If the service contract provider fails to pay YOU or otherwise provide YOU with the covered service within 60 days of YOUR submission of a valid CLAIM, YOU may submit YOUR CLAIM to American Bankers Insurance Company of Florida at 1‐ 866‐306‐6694, 11222 Quail Roost Drive, Miami, FL 33157. If YOU have any concerns regarding the handling of YOUR CLAIM, YOU may contact the Office of Superintendent Copy of Original Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. of Insurance at 1‐855‐427‐5674. SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) If the service contract provider fails to pay YOU or credit the account of the SERVICE CONTRACT HOLDER within sixty (60) days of return of the Vehicle Service Contract to the ADMINISTRATOR, the provider must pay YOU a ten percent (10%) penalty of the single payment contract price for each 30‐day period or portion thereof that the refund and any accrued penalties remain unpaid; (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: After this Vehicle Service Contract has been in effect for seventy (70) days, the ADMINISTRATOR may not cancel this Vehicle Service Contract except for one of the following reasons: (i) If SERVICE CONTRACT HOLDER fails to pay an amount when due; (ii) if SERVICE CONTRACT HOLDER is convicted of a crime which results in an increase in the service required under this Vehicle Service Contract; (iii) discovery of misrepresentation or fraud only if such misrepresentation or fraud occurs in the submission of a CLAIM by the SERVICE CONTRACT HOLDER; (iv) discovery of an act or omission by YOU or if YOU violate any condition of this Vehicle Service Contract after the effective date of this Vehicle Service Contract which substantially and materially increases the service required under this Service Contract. New York: Section 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within thirty (30) days of the return of the Contract to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. Section 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: Written notice is not required if cancellation is for nonpayment, material misrepresentation or substantial breach of duties by the SERVICE CONTRACT HOLDER. North Carolina: Section 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non‐ refundable. SECTION 5. CANCELLATION, 2.c. is amended to add the following: The service fee shall equal ten percent (10%) of the amount of the pro rata refund or fifty dollars ($50.00), whichever is less. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended as follows: The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for one of the following reasons: (i) non‐payment of the Vehicle Service Contract Price; (ii) a material misrepresentation made by YOU; or (iii) a substantial breach of duties by YOU under the Vehicle Service Contract relating to the Vehicle or its use. If the Vehicle Service Contract is canceled by US, WE will refund the unearned Vehicle Service Contract Purchase Price to YOU according to the pro‐rata method. South Carolina: Section 5 CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the CONTRACT to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. Section 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The requirement to mail notice fifteen (15) days before cancellation does not apply if cancellation is for nonpayment, material misrepresentation or substantial breach of duties by the SERVICE CONTRACT HOLDER. Note: If the provider does not timely resolve such matters within sixty (60) days of proof of loss, YOU may contact the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina, 29202, Telephone 1‐800‐768‐3467. Texas: Any references to ADMINISTRATOR in this contract have been revised to reflect the following: The ADMINISTRATOR of the contract is A.U.L. Corp., 1250 Main Street, Suite 300, Napa, CA 94559, 1‐800‐826‐3207. The ADMINISTRATOR Registration Number for A.U.L. Corp. is 146. The obligations under the Contract are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, Florida 33157. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed, or if a refund or credit is not paid before the forty‐sixth (46th) day after the date on which the contract is canceled, YOU may apply directly to American Bankers Insurance Company of Florida. If YOU have a complaint or have questions concerning the regulation of service contract providers and ADMINISTRATOR’s, YOU may contact the Texas Department of Licensing and Regulation at the following address and telephone number: P.O. Box 12157, Austin, TX 78711; 1‐512‐463‐6599 or 1‐800‐803‐9202 (within TX only). SECTION 5. CANCELLATION, 2.a. is deleted and replaced with the following: a. This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER or the LIENHOLDER. If the SERVICE CONTRACT HOLDER or the LIENHOLDER cancels this Vehicle Service Contract within the first thirty (30) days, the ADMINISTRATOR will refund the entire Vehicle Service Contract Price, decreased by the amount of any CLAIMs paid under the contract. (i) A ten percent (10%) penalty, of the amount outstanding, will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the contract to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 5. CANCELLATION, 2. b. is deleted and replaced with the following: b. If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days, the ADMINISTRATOR will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, decreased by the amount of any CLAIMs paid under the contract. SECTION 5. CANCELLATION, 2.c. is deleted and replaced with the following: c. A fifty dollar ($50.00) service fee will be deducted from all refunds for cancellations requested after the first thirty (30) days. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for any reason by mailing, via certified mail at least five (5) days prior to termination, a notice of termination to YOUR last known address to include a statement of the reason for and effective date of termination. Prior notice of cancellation by the ADMINISTRATOR is not required if the reason for cancellation is non‐payment by the SERVICE CONTRACT HOLDER, fraud or a material misrepresentation by the SERVICE CONTRACT HOLDER to the ADMINISTRATOR, or a substantial breach of the duties of the SERVICE CONTRACT HOLDER relating to the COVERED VEHICLE or its use. If the ADMINISTRATOR cancels, no service fee will be deducted from YOUR refund. Utah: Coverage afforded under this Contract is not guaranteed by the Property and Casualty Guaranty Association. This Vehicle Service Contract is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. SECTION 2. MAINTENANCE RESPONSIBILITIES is amended to add the following: The SERVICE CONTRACT HOLDER’s failure to submit repair orders and other documentation within the specified time will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file these documents within such time period. SECTION 3. HOW TO OBTAIN REPAIRS, 3. is amended to add the following: The SERVICE CONTRACT HOLDER’s failure to obtain authorization or submit repair orders and other documentation within the specified time will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file these documents or obtain prior authorization within such time period. 4. is amended by deleting the following sentence: Emergency repairs are only those repairs, which, if not performed, would render YOUR COVERED VEHICLE inoperable or unsafe to drive and impair its future operation. SECTION 5. CANCELLATION, 1 is deleted in its entirety. 2. a. is deleted and replaced with the following: This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER. If the SERVICE CONTRACT HOLDER cancels this Vehicle Service Contract within the first thirty (30) days and no CLAIMs have been filed, the SELLING DEALER will refund the entire Vehicle Service Contract Price. 2.b. If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER after the first thirty (30) days or a CLAIM has been filed, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected, less the actual cost of any service provided under the Vehicle Service Contract. The LIENHOLDER, if any, may only cancel due to a valid repossession or total loss. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for material misrepresentation, substantial change in risk, substantial breaches of contractual duties or non‐payment by the SERVICE CONTRACT HOLDER. If the ADMINISTRATOR terminates (cancels) this Vehicle Service Contract, the cancellation shall be effective 30 days after (10 days after for non‐payment) a notice of termination is delivered via certified mail to YOUR last known address to include a statement of the reason for and effective date of termination. SECTION 7. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, is amended as follows: Additional Benefits/Roadside Assistance Services under this Vehicle Service Contract are provided by Brickell Financial Services Motor Club Inc. DBA Road America, 7300 Corporate Center Drive, Suite 601, Miami, FL 33126, Telephone: (800) 442‐4690. SECTION 8. WHAT IS NOT COVERED, A. is amended to add the following: The SERVICE CONTRACT HOLDER’s failure to obtain authorization or submit repair orders and other documentation within specified time will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file these documents or obtain prior authorization within such time period. SECTION 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. Vermont: SECTION 5. CANCELLATION, 2.a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the CONTRACT to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. Wisconsin: The ADMINISTRATOR of this Vehicle Service Contract is WISCONSIN A.U.L., INC. 1250 Main Street, Suite 300, Napa, CA 94559, 1‐800‐826‐3207. THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. SECTION 1. KEY TERMS AND PROVISIONS, definition of “ADMINISTRATOR” is deleted and replaced with the following: “ADMINISTRATOR” means Wisconsin A.U.L., Inc., 1250 Main Street, Suite 300, Napa, CA 94559, 1‐800‐ Copy of Original Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. 826‐3207. SECTION 1. KEY TERMS AND PROVISIONS, definition of “OBLIGOR”, “WE,” “US,” or “OUR” is deleted and replaced with the following: “OBLIGOR”, “WE,” “US,” or “OUR” means Wisconsin A.U.L., Inc., 1250 Main Street, Suite 300, Napa, CA 94559, 1‐800‐826‐3207, the entity obligated to perform under this Vehicle Service Contract. SECTION 1. KEY TERMS AND PROVISIONS is amended by deleting the following statement: This Vehicle Service Contract is only in force upon the receipt and acceptance of this Vehicle Service Contract by the ADMINISTRATOR. SECTION 2. MAINTENANCE RESPONSIBILITIES is amended to add the following: Proof of loss must be provided as soon as reasonably possible and within one year after the time required by the Vehicle Service Contract. The SERVICE CONTRACT HOLDER’s failure to submit repair orders and other documentation within the specified time will not automatically invalidate or reduce YOUR CLAIM unless WE are prejudiced thereby and YOU are unable to demonstrate that it was not reasonably possible to file these documents within such time period. SECTION 3. HOW TO OBTAIN REPAIRS, 3. is amended to add the following: Notice of loss must be provided as soon as reasonably possible and within one year after the time required by the Vehicle Service Contract. The SERVICE CONTRACT HOLDER’s failure to obtain authorization within the specified time will not automatically invalidate or reduce YOUR CLAIM unless WE are prejudiced thereby and if YOU are unable to demonstrate that it was not reasonably possible to file these documents or obtain prior authorization within such time period. SECTION 5. CANCELLATION, 2. is deleted and replaced with the following: a. This Vehicle Service Contract is cancelable by the SERVICE CONTRACT HOLDER or the LIENHOLDER. If the SERVICE CONTRACT HOLDER or the LIENHOLDER cancels this Vehicle Service Contract within the first thirty (30) days, the SELLING DEALER will refund the entire Vehicle Service Contract Price. b. If this Vehicle Service Contract is canceled by the SERVICE CONTRACT HOLDER or the LIENHOLDER after the first thirty (30) days, the SELLING DEALER will refund the amount of the unearned Vehicle Service Contract Purchase Price according to the pro‐rata method reflecting the greater of the days in force or the miles driven relative to the plan selected. c. A fifty dollar ($50.00) service fee will be deducted from all refunds for cancellations requested after the first thirty (30) days. No paid CLAIMs will be deducted from any premium refund. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended by adding the following: The ADMINISTRATOR may only cancel this Vehicle Service Contract for nonpayment, material misrepresentation by YOU to the ADMINISTRATOR, or substantial breach of duties by YOU relating to the covered product or its use. SECTION 7. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, is amended as follows: Additional Benefits/Roadside Assistance Services under this Vehicle Service Contract are provided by Brickell Financial Services Motor Club Inc. DBA Road America, 7300 Corporate Center Drive, Suite 601, Miami, FL 33126, Telephone: (800) 442‐4690. SECTION 8. WHAT IS NOT COVERED, A. is amended to add the following: The SERVICE CONTRACT HOLDER’s failure to obtain authorization or submit repair orders and other documentation within one year after the time required by the Vehicle Service Contract, will not automatically invalidate or reduce YOUR CLAIM unless YOU are unable demonstrate that it was not reasonably possible to file these documents or obtain prior authorization within such time period. SECTION 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. Wyoming: Purchase of this Vehicle Service Contract is not required in order to purchase or finance a motor vehicle. SECTION 5. CANCELLATION, 1. is deleted and replaced with the following: The LIENHOLDER can only cancel this Vehicle Service Contract in the event of a valid repossession or total loss. 2. a. is amended to add the following: (i) A ten percent (10%) penalty will be added each month to a refund that is not paid to the SERVICE CONTRACT HOLDER within forty‐five (45) days of the return of the CONTRACT to the ADMINISTRATOR. (ii) This right to void the Vehicle Service Contract is not transferable and applies only to the original Vehicle Service Contract purchaser. SECTION 6. CANCELLATION BY ADMINISTRATOR is amended to add the following: The ADMINISTRATOR may terminate (cancel) this Vehicle Service Contract for any reason by mailing, via certified mail at least ten (10) days prior to termination, a notice of termination to YOUR last known address to include a statement of the reason for and effective date of termination. Prior notice is not required if the reason for cancellation is non‐payment of the provider fee, a material misrepresentation by the SERVICE CONTRACT HOLDER to the provider or substantial breach of duties by the SERVICE CONTRACT HOLDER relating to the covered product or its use. SECTION 9. ARBITRATION PROVISION is deleted in its entirety and does not apply. Copy of Original Form: WFC‐E‐05‐2017 © 2017 Associates Underwriting Limited, L.L.C. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Westlake Financial Retail Motor Vehicle Credit Application IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You may be asked several questions, including but not limited to your name, address, date of birth, and other information, that will allow us to identify you and to provide one or more forms of identification to fulfill this requirement. Credit Application: Applicant Title (optional) Last Name First Initial Present Address Line 1 Suffix Time at Present Address Present Address Line 2 City Date of Birth Soc. Sec. # Driver's License # / Gov’t Issued ID County State Residence Type ZIP Present Address Urbanization Code Previous Address Line 1 Time at Previous Address Previous Address Line 2 Preferred Email City State ZIP Copy of Home Phone Mobile Phone Landlord Name/Mortgage Co. Current Employment Title Other Phone Landlord/Mortgage Phone Number Monthly Rent/Mortgage Payment Employment Status Employment Type Gross Monthly Salary (Current Job) Current Employer Current Employer Address City, State, Zip Time at Current Job Current Employer Phone Business Email Address Original Gross Monthly Salary (Secondary Job) Secondary Employer Name (if applicable) Secondary Employer Address City Previous Employer State Zip Secondary Employer Phone Time at Secondary Job Previous Employer Phone Time at Previous Job Previous Employer Address Nearest Relative - Name and Address Relationship Phone Additional Reference - Name Address Phone Alimony, child support, or separate maintenance incomes do not have to be revealed unless the applicant wishes to have such sources considered as a basis for repayment of the requested credit amount. Gross Income Income Received Other Income Source Other Income Other Income Received Monthly Support/Alimony Received $4,400.00 Bank Name Bank Account Type Code Creditor Reference - Name / Address Creditor Balance Creditor Monthly Payment Previous Auto Loan Balance Previous Auto Loan Monthly Payment Company Financing Auto Loan Previous Auto Loan Acct # WFS Credit Application 1/2020 Page 1 of 5 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Westlake Financial Credit Application: Co-Applicant Title (optional) Last Name First Initial Present Address Line 1 Suffix Time at Present Address Present Address Line 2 City Date of Birth Soc. Sec. # Driver's License # / Gov’t Issued ID County State Residence Type ZIP Present Address Urbanization Code Previous Address Line 1 Time at Previous Address Previous Address Line 2 Preferred Email City Home Phone State Mobile Phone ZIP Other Phone Landlord/Mortgage Phone Number Landlord Name/Mortgage Co. Monthly Rent/Mortgage Payment Copy of Current Employment Title Employment Status Employment Type Gross Monthly Salary (Current Job) Current Employer City, State, Zip Current Employer Address Current Employer Phone Time at Current Job Business Email Address Gross Monthly Salary (Secondary Job) Secondary Employer Name (if applicable) Secondary Employer Address City Previous Employer State Zip Secondary Employer Phone Original Previous Employer Phone Previous Employer Address Nearest Relative - Name and Address Relationship Time at Secondary Job Time at Previous Job Phone Additional Reference - Name Address Phone Alimony, child support, or separate maintenance incomes do not have to be revealed unless the applicant wishes to have such sources considered as a basis for repayment of the requested credit amount. Gross Income Income Received Other Income Source Other Income Other Income Received Monthly Support/Alimony Received Bank Name Bank Account Type Code Creditor Reference - Name / Address Creditor Balance Creditor Monthly Payment Previous Auto Loan Balance Previous Auto Loan Monthly Payment Company Financing Auto Loan Previous Auto Loan Acct # WFS Credit Application 1/2020 Page 2 of 5 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. NOTICES California Residents. Each applicant, if married, may apply for a separate account. Maine Residents. You have the right to select the agent and insurer to be used for any type of insurance required in connection with this credit transaction, including the right to choose an insurance agent or broker, whether or not that agent or broker is affiliated with us. We shall not interfere, either directly or indirectly, with this right of choice of an agent and of an insurer. Your choice of a particular insurance agent or broker will not affect our credit decision or credit terms in any way, as long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements such as the solvency and assessment policies of the insurer and its ability to service the policy. New Hampshire Residents. If this is an application for a balloon retail sales contract, applicants are entitled, upon request, to receive a written estimate of the monthly payment for a balloon payment refinancing in accordance with the creditor's current refinancing programs prior to entering into a balloon contract. New York Residents. A consumer report may be ordered in connection with your application. Upon your request, we will inform you whether or not a report was ordered. If a report was ordered, we will tell you the name and address of the consumer reporting agency that provided the report. Subsequent reports may be ordered or utilized in connection with an update, renewal or extension of credit for which you have applied. Copy of Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Wisconsin Residents. MARITAL PROPERTY AGREEMENT NOTICE: No provision of any marital property agreement, unilateral statement under Wisconsin Statutes Section 766.59 or court decree under Wisconsin Statutes Section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Original The following is for Wisconsin residents only: Applicant is married unmarried (includes single, divorced or widowed) separated. If married or separated, and Applicant's spouse is not a joint applicant, such spouse's name is and address is ______________________________________________________________________________. Waiver of Notice by Non-Joint Applicant Spouse: I agree to waive notice of any extension of credit in connection with this application. ________________________________________________________ Signature of Non-Joint Applicant Spouse Date Page 3 of 5 WFS Credit Application 1/2020 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Westlake Financial Joint Credit Intention Signature By signing below, the applicant and the co-applicant below hereby acknowledge that there is an intention to apply for joint credit: 7/2/2021 Applicant: (if applicable): ___________________________________ Date:_____________ natalia marie carter Co-Applicant (if applicable): _________________________________ Date:_____________ By signing this application: I authorize Dealer and any finance company, bank or other financial institution to which the Dealer submits my application ("you") to investigate my credit and employment history and obtain credit reports in order to evaluate this application or for any other legitimate purpose in connection with this application. I authorize you to contact any listed references that I have provided on this application both for the purposes of evaluating my creditworthiness and for servicing purposes after my loan has been funded in order to obtain my location information. I further authorize you to forward my application and all related information to other creditors for evaluation as a method of effectuating my request for credit. Copy of If an account is created, I authorize you to obtain credit reports, from time to time as you wish, for the purpose of reviewing or taking collection action on the account, or for other legitimate purposes associated with the account. Monitoring, Recording, and Collection Communications I agree that you, your affiliates, agents and service providers may monitor and record telephone calls regarding my account to assure the quality of your service or for other reasons. I also expressly consent and agree to you, your affiliates, agents and service providers using written, electronic or verbal means to contact me as the law allows. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems. I agree you, your affiliates, agents and service providers may do so using any e-mail address or any telephone number I provide, including a number for a cellular phone or other wireless device, regardless of whether I incur charges as a result. I certify that I have read and agree to the terms of this application and that the information in it is complete and true. If I sign this credit application electronically, I intend that process to be my electronic signature on an electronic application, acknowledge receipt of all disclosures provided on the credit application, and give my authorization and consent to the recipient(s) of this application to take the actions identified in the credit application. Original Credit Application Signature eSigned By: natalia carter 7/2/2021 Applicant: _______________________________________________ Date:_____________ Jul 02, 2021 3:23:32 PM PDT natalia marie carter Co-Applicant (if applicable): _________________________________ Date:_____________ Marketing Consent Applicant: by signing below, I authorize you and your affiliates to deliver or cause to be delivered, to the phone numbers I have provided in the credit application or in the future, advertisements and telemarketing calls using an auto dialer or an artificial or prerecorded voice. I further acknowledge that my consent is not required as a condition of applying for or receiving an extension of credit. eSigned By: natalia carter Applicant: Jul 02, 2021 3:23:32 PM PDT Date: 7/2/2021 natalia marie carter Co-Applicant (if applicable): by signing below, I authorize you and your affiliates to deliver or cause to be delivered, to the phone numbers I have provided in the credit application or in the future, advertisements and telemarketing calls using an auto dialer or an artificial or prerecorded voice. I further acknowledge that my consent is not required as a condition of applying for or receiving an extension of credit. Co-Applicant (if applicable): Date: Page 4 of 5 WFS Credit Application 1/2020 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. For Dealer Use Only: New/Used/Demo Year Trade In Year Make Make Cash Selling Price Net Trade Model VIN Mileage Book Value Model VIN Allowance Payoff Cash Down Products & Fees Amount Financed Term Rate Copy of Original Page 5 of 5 WFS Credit Application 1/2020 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. About Printing Requirements Reset Show Field Borders BUYER'S ORDER Dealer/Seller Name and Address Buyer/Co-Buyer Name(s) and Address(es) Jambo Motors 6880 E Colfax Ave Denver, CO 80220 natalia marie carter 12033 E Harvard Ave Apt 107 Aurora, CO 80014 (303) 388-9302 (303) 949-7828 Date 7/2/2021 App No. Stock No. Salesperson Contract No. App# 66075631 - V# 1 Vehicle Information l New X Used Year 2009 Make Jeep Model Wrangler Itemization of Sale l l Demo Lic. No. Odometer Reading 124283 Color Manufacturer's Suggested Retail Price Body Style SUV VIN 1J4GA39149L744344 Other Insurance Information Lic. No. Odometer Reading Color Year Make Model Body Style VIN Lienholder Name Address Phone Payoff good through Approved Trade-in 2 21500.00 1743.92 23243.92 $ $ $ $ $ $ $ $ $ $ $ $ 299.00 7.20 10.00 25.00 N/A N/A N/A N/A N/A N/A N/A 341.20 $ $ $ $ $ $ $ $ $ 1500.00 295.00 N/A N/A N/A N/A N/A N/A 1795.00 25. Cash Sale Price (Add lines 3+15+24) 26. Trade-in Allowance 27. Less Payoff 28. Net Trade Allowance (Line 26-27) 29. Cash Down Payment 30. Deferred Down Payment 31. Total Down Payment (Line 28+29+30) $ $ $ $ $ $ $ 25380.12 N/A N/A N/A 12000.00 N/A 12000.00 32. Total Balance Due (Line 25-31) $ 13380.12 Copy of Buyer has arranged insurance on the motor vehicle. Insurance Company Policy No. Trade-In Information Trade-in 1 $ $ $ 1. Vehicle Sales Price 2. Sales Tax 3. Subtotal (Add lines 1+2) Title, License & Other Fees Delivery and Handling Fee* 4. Jambo Motors 5. Title Fee 6. Filing Fee 7. Emission Fee 8. Temporary Tag Fee 9. 10. 11. 12. 13. 14. 15. Total Other Fees (Add lines 4 through 14) Additional Products 16. A.U.L. Corp. 17. Knight Management Insurance Services 18. 19. 20. 21. 22. 23. 24. Total Products (Add lines 16 through 23) Original Payoff N/A Year Make Model Body Style VIN Lienholder Name Address Lic. No. Odometer Reading Color Phone Payoff good through Approved Payoff N/A *This charge represents costs and additional profit to the Dealer/Seller for items such as inspecting, cleaning, and adjusting new and used vehicles and preparing documents related to the sale. Buyers Order-CO Bankers Systems * Wolters Kluwer Financial Services BUY-ORDER-CO 2/2/2009 - 2008 Page 1 of 3 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Additional Terms Definitions. Contract refers to this Buyer's Order. The pronouns you and your refer to each Buyer signing this Contract. The pronouns we, us and our refer to the Dealer/Seller. Vehicle means the motor vehicle described in the Vehicle Information section. Trade-in Vehicle(s) refers to the vehicle described in the Trade-in Information section that is being traded to the Dealer/Seller as part of this transaction. Manufacturer refers to the entity that manufactured the Vehicle. Agreement to Purchase. You agree to buy the Vehicle from us for the price stated in this Contract. You agree to sign any documents necessary to complete this transaction. Unless you have cancelled this Contract under the condition described in the Manufacturer section, if you refuse to take delivery of the Vehicle, we can keep any deposits you have made to us, and you will be liable to us for all of our damages and expenses in connection herewith, including but not limited to reasonable attorneys' fees. You represent that you are of legal age and have legal capacity to enter into this Contract. Trade-in Vehicle. You will transfer title to the Trade-in Vehicle to us free of all liens except those noted on this Contract. You give permission to us to contact the lienholder(s) for payoff information. If the payoff information that we obtain from the lienholder(s) differs from the amount disclosed in this Contract, you agree to pay the difference to us if the actual amount of the balance owed is greater than the amount listed in this Contract. If the actual amount of the balance owed is less than the amount listed in this Contract, then we will pay you the difference. If you do not deliver the Trade-in Vehicle to us at the time of the initial appraisal, we may reappraise the Trade-in Vehicle when it is delivered to us. If the reappraised value is lower than the original appraisal, you can cancel this transaction as long as you have not taken delivery of the Vehicle. You represent that (a) you are the sole true and lawful owner of the Trade-in Vehicle, (b) the Trade-in Vehicle has never been titled under any state or federal "brand" such as "defective," "rebuilt," "salvage," "flood," etc., (c) the mileage of the Trade-in Vehicle shown in this Contract is the actual mileage of the Trade-in Vehicle, (d) all emission control equipment is on the Trade-in Vehicle and is in satisfactory working order, and (e) the Trade-in Vehicle has not been damaged by collision or other event and repaired. If any of these representations are not true, we may elect to cancel the transaction. We may also choose to reappraise the Trade-in Vehicle and adjust the Total Balance Due instead of cancelling the transaction. You agree to immediately pay us the difference. Copy of Manufacturer. We are not an agent of the Manufacturer. Manufacturer can change the price, design or standard features of the Vehicle at any time without notice. If we cannot obtain the Vehicle from the Manufacturer at the price in effect as of the date of this Contract, or if we cannot obtain the agreed upon product from the Manufacturer, you or we can cancel this Contract. If you cancel this Contract under the terms of this section, we will refund to you any amounts you have paid to us. If you have delivered a Trade-in Vehicle to us, we will return it to you. If we have already sold the Trade-in Vehicle, we will pay you the trade-in allowance after adjusting for any payoff to a lienholder. Retail Installment Contract. In the event that you and we enter into a retail installment contract for the financing of the purchase of the Vehicle, the terms of the retail installment contract will control any inconsistencies between this Contract and the retail installment contract. Vehicle Inspection. You are purchasing the Vehicle based upon your personal inspection, and are not relying upon any opinion, statement, promise or representation of the salesperson, or any other of our employees that is not contained in the written agreements you are signing today. Original Insurance. The insurance information you have given us is accurate. Buyers Order-CO Bankers Systems * Wolters Kluwer Financial Services Vehicle Condition. You understand that the Vehicle may have sustained prior body damage and may have undergone prior mechanical repairs during or after its manufacture, during or after transit to us or while in the possession of prior owners or operators. BUY-ORDER-CO 2/2/2009 - 2008 Page 2 of 3 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Warranty Information Signatures Warranty. We make no express or implied warranties. Except as required by law, we make no implied warranty of merchantability and no warranty that the Vehicle is fit for a particular purpose. We sell the Vehicle AS IS - NOT EXPRESSLY WARRANTED OR GUARANTEED, WITH ALL FAULTS. If this is a new Vehicle, the Vehicle is subject to a standard written manufacturer's warranty. This warranty is made by the manufacturer and not by us. Used Car Buyer Notice. 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. Guía para compradors de vehículos usados. La información que ve en el formulario de la ventanilla para este vehículo forma parte del presente contrato. La información del formulario de la ventanilla deja sin efecto toda disposición en contrario contenida en el contrato de venta. This agreement is not binding upon the Dealer\Seller until it is signed by an authorized representative of the Dealer\Seller. 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. This is the complete agreement; there are no other written or oral agreements. l A separate Arbitration Agreement is a part of this Contract. eSigned By: natalia carter X Jul 02, 2021 3:23:42 PM PDT 7/2/2021 Date natalia marie carter X Date Notices Copy of l You understand that the balance owed on the Trade-in exceeds the Trade-in Allowance and that as a result the Total Balance Due has been increased by this $ N/A of negative equity. eSigned By: X Tizeta Birhane Teklehaymanot Jul 02, 2021 3:21:41 PM PDT Dealer\Seller Jambo Motors 7/2/2021 Date Westlake Financial 4751 Wilshire Blvd. Suite 100 Los Angeles, CA 90010 Original Buyers Order-CO Bankers Systems * Wolters Kluwer Financial Services BUY-ORDER-CO 2/2/2009 - 2008 Page 3 of 3 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:33 AM. Waiver Number: WFS - Westlake Guaranteed Auto Protection – GAP Waiver Addendum 66075631 Customer Name(s) natalia marie carter Address City 12033 E Harvard Ave Apt 107 Aurora Vehicle Identification Number (VIN) Year Make 1J4GA39149L744344 2009 Jeep Creditor Westlake Financial State CO Model Wrangler Zip 80014 Mileage 124283 Telephone Number (866) 619-2524 Address City P.O. Box 76809 Date of Finance Agreement Term (Months) 7/2/2021 Los Angeles 48 Dealer Name Jambo Motors Address Zip CA 90076 Retail Installment Sale Contract Telephone Number City 6880 E Colfax Ave State (303) 388-9302 Denver State CO Zip 80220 1. Gap Waiver Addendum: This Guaranteed Asset Protection (Gap) Waiver Addendum is entered into by Customer and Dealer/Creditor, and after any assignment, is between Customer and Creditor. This Gap Waiver amends Customer’s Finance Agreement to provide that, in the event of a Total Loss, Creditor agrees to waive the difference (“Gap Amount”) between the Unpaid Net Balance of Customer’s Finance Agreement on the Date of Loss, and the Actual Cash Value. Customer will remain responsible for the remaining balance of the Finance Agreement. Copy of The maximum amount waived is $25,000. 295.00 2. Fee to Customer to purchase the Gap Waiver is $___________. 3. In the event of Total Loss, Customer must notify Creditor of the loss and contact the primary insurance carrier. Should Customer not have collective insurance on the Date of Loss, it is customer’s responsibility to advise Creditor in writing within 90 days of the event that caused the Total Loss. Customer must provide the following documentation within 90 days of the primary carrier settlement (or within 90 days of the event that caused the Total Loss if no physical damage insurance exists on the date of loss) to Creditor for forwarding to the Administrator. If Customer fails to provide this documentation within 90 days of the primary carrier settlement(or the event that caused the Total Loss, as applicable), then Creditor will not waive the Gap Amount. 1. If applicable, complete documentation from the primary insurance carrier substantiating the date of and cause of loss of the Vehicle, gross settlement amount, deductible, net settlement amount and proof of payment. Should Customer not have collectible physical damage insurance on the Date of Loss, it is Customer’s responsibility to advise Creditor in writing within 90 days of the event that caused the Total Loss. 2. A copy of the complete itemized estimate of damages to the Vehicle from a body shop is required,except in the case of unrecovered theft. 3. Copy of the police report. Original Customer agrees to cooperate with Creditor to obtain the maximum amount for Actual Cash Value of the Vehicle from the primary insurance company. Customer hereby agrees to cooperate with Creditor by supplying information, including, but not limited to a copy of Customer’s primary insurance settlement check. Customer will not be required to provide any documentation not listed above. If a Total Loss occurs, Customer also agrees to allow Creditor or Administrator to inspect the Vehicle with reasonable advance notice to Customer. Creditor will pay the cost of the inspection. THE PURCHASE OF THIS GAP WAIVER IS OPTIONAL AND NOT REQUIRED TO OBTAIN CREDIT, NOR TO OBTAIN CERTAIN TERMS OF CREDIT OR TO PURCHASE THE RELATED MOTOR VEHICLE AND WILL NOT BE A FACTOR IN THE CREDIT APPROVAL PROCESS. CUSTOMER MAY OBTAIN GAP PROTECTION FROM AN ALTERNATE SOURCE AND MAY WISH TO CONSULT AN INSURANCE AGENT REGARDING COST AND AVAILABILITY OF SIMILAR COVERAGE. THIS GAP WAIVER IS NOT AN OFFER OF INSURANCE COVERAGE AND MAY NOT CANCEL OR WAIVE THE ENTIRE AMOUNT OWING AT THE TIME OF LOSS. THIS GAP WAIVER DOES NOT TAKE THE PLACE OF LIABILITY, COLLISION, COMPREHENSIVE, OR ANY OTHER FORM OF INSURANCE ON CUSTOMER OR THE MOTOR VEHICLE NOR DOES IT SATISFY STATE REQUIRED INSURANCE OR FINANCIAL RESPONSIBILITY LIMITS. THE TERM OF THIS GAP WAIVER IS EQUAL TO THE ORIGINAL TERM OF THE FINANCE AGREEMENT AND REMAINS A PART OF THE FINANCE AGREEMENT UPON ITS ASSIGNMENT, SALE OR TRANSFER. DEPENDING ON CUSTOMER’S DOWN PAYMENT ON THE VEHICLE AND OTHER CONSIDERATIONS, BENEFITS UNDER THIS GAP WAIVER MAY DECREASE OVER THE TERM OF THE FINANCE AGREEMENT. BY SIGNING BELOW, CUSTOMER ACKNOWLEDGES RECEIPT OF A COPY OF THIS GAP WAIVER AND UNDERSTANDING OF THE DISCLOSURES ON THIS AND THE FOLLOWING PAGES AND AGREES TO PURCHASE THE GAP WAIVER FOR THE FEE DISCLOSED ABOVE. eSigned By: eSigned By: Tizeta Birhane Teklehaymanot 7/2/2021 ___________________________________________________________ Jul 02, 2021 3:21:49 PM PDT Dealer Signature Date natalia carter 7/2/2021 _______________________________________________________________ Jul 02, 2021 3:23:56 PM PDT Customer Signature Date Administrator: Knight Management Insurance Services, LLC 4751 Wilshire Blvd., Ste. 111, Los Angeles, CA 90010 Toll-Free Tel.: (888) 333-8198 Form: WFS COLORADO ONLY GAP 12/17 | Form No: 801.1608.KMIS The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:34 AM. Page 1 Waiver Number: WFS - Westlake Guaranteed Auto Protection – GAP Waiver Addendum DEFINITIONS: For the purpose of this Gap Waiver, the following terms mean: Actual Cash Value means on the Date of Loss: (1) the market value of the Vehicle as determined by the primary insurance carrier less any insurance carrier deductible in an amount no more than $1,000; or (2) if there is no primary insurance coverage at the time of the loss (or if the insurer that issued the primary insurance is insolvent), the market value of the Vehicle as defined in National Automobile Dealers Association (“NADA”) Official Used Car Guide. Creditor means Creditor as listed on page 1 of this Gap Waiver. Customer means the purchaser of the Vehicle, as listed on page 1 of this Gap Waiver. Date of Loss means the date on which the actual physical loss or damage occurred to the Vehicle. If such date cannot be determined, Date of Loss shall be either the date established by the primary insurance carrier of the date the occurrence was reported to the police, whichever is earlier. Deferred Payment means a payment that: (1) has been postponed, skipped or waived by Creditor, and (2) remains unpaid on the Date of Loss. Delinquent Payment means any payment, as described in the Finance Agreement, which remains unpaid for a period of more than 30 days after the due date stated in the Finance Agreement. Finance Agreement means the Retail Installment Sales Contract or Promissory Note and Security Agreement entered into by Customer in connection with the purchase of the Vehicle. Total Loss means a total or constructive total loss of the Vehicle as defined by Customer’s primary automobile insurance carrier. If no primary insurance carrier exists, then Total Loss means when the repair cost due to the accident, excluding any diminution of value resulting from prior damages, exceeds that Actual Cash Value or, in the event of the theft, when the Vehicle has not been recovered after 30 days from the date of the original police theft report. Uniform Monthly Repayment Terms means payments that are consecutive, monthly and substantially equal. Unpaid Net Balance means the amount, as of the Date of Loss, equal to the portion of the unpaid balance of the Finance Agreement applicable to the purchase price of the Vehicle minus permitted late fees, fees for the return or dishonor of checks or other instruments tendered as payment, premiums for creditor-imposed property damage insurance, and deferral fees. Vehicle means the four-wheeled private passenger vehicle, van, pickup or light truck, as listed in this Gap Waiver. Capitalized terms used herein that are not defined above will have the meanings as set forth in Customer’s Finance Agreement. 66075631 C. AUTOMATIC CANCELLATIONS: If the Finance Agreement is terminated due to an event other than Customer’s cancellation of this Gap Waiver, and if no claim has been made under this Gap Waiver, Creditor will refund to Customer any unearned Fee to purchase the Gap Waiver. The refund will be calculated using the pro-rata method. On the original scheduled termination of the Finance Agreement or if the Creditor waives the Gap Amount after a Total Loss, this Gap Waiver will terminate and be deemed as fully earned and, therefore, no refund will be made. ADDITIONAL TERMS AND CONDITIONS: A. No waiver is provided for that portion of the Unpaid Net Balance that results from the amount financed exceeding 150% of the Manufacturers Suggested Retail Price (“MSRP”) for new vehicles or 150% of NADA Official Used Car Guide average retail value for used vehicles at the Date of the Finance Agreement. In that case, the Finance Agreement will not be disqualified, but the Unpaid Net Balance will be determined based on this maximum limit of 150%. If the original Unpaid Net Balance exceeds the MSRP or NADA value by 150%, this Gap Waiver may not cover the entire amount owing at the time of a loss. B. Customer may transfer this Gap Waiver to another person by transferring Customer’s equity in the Vehicle with the written consent of Creditor. In the event Creditor transfers its equity to another creditor this Gap Waiver will remain in effect and that no subrogation rights against Customer will remain. C. This Gap Waiver is provided for the term of the original Finance Agreement only and does not apply to any extensions beyond the original term. This Gap Waiver is terminated if: (1) the Finance Agreement is prepaid in full prior to maturity; (2) the Vehicle is no longer in Customer’s possession due to Creditor’s lawful repossession and disposition of the Vehicle; and (3) in the event of Total Loss and notification by Customer pursuant to Section 3 of this GAP Waiver, Creditor denies Customer’s request based on one of the Exclusions identified below. Copy of CANCELLATION AND REFUNDS: This Gap Waiver is non-cancelable and no refund will be provided, except as provided below: A. FREE LOOK PERIOD: For a period of 30 days after the date of purchase, Customer may cancel this Gap Waiver without any fees, penalty or costs and receive a full refund of the Fee to purchase this Gap Waiver, provided no benefits have been provided under the Gap Waiver. In order to cancel, Customer must send a written request via certified mail to Administrator at: Knight Management Insurance Services, LLC, 4751 Wilshire Blvd., Ste. 111, Los Angeles, CA 90010. For a full refund, the request for cancellation must be postmarked or delivered to Administrator before midnight on the 30th day after the date this Gap Waiver was purchased by Customer. Customer should keep a copy of the cancellation request for Customer’s records. If Customer cancels this Gap Waiver and is entitled to a refund, Creditor may apply the refund as a reduction of the overall amount owed under the Finance Agreement, rather than applying the refund strictly to the purchase price of this Gap Waiver, unless Customer has paid off the Finance Agreement in full. B. AFTER FREE LOOK PERIOD: After the Free Look Period, this Gap Waiver is non-cancelable by Customer. EXCLUSIONS: The benefits of this Gap Waiver do not apply to: A. Loss or damage resulting directly or indirectly from fraudulent act by Customer or any party acting on behalf of Customer or due to legal confiscation of the Vehicle by public official; or in event of repossession. B. Loss or damage caused by an act where Customer or any party acting on behalf of Customer intentionally damages the Vehicle causing a Total Loss. C. Vehicles that are part of a fleet that are intended for use as a public or livery conveyance or to any Vehicle for commercial use. D. Total Losses not covered by the primary insurance carrier or occurrences arising out of racing, speed contest, confiscation, or an intentional act of destruction by Customer. Original COLORADO DISCLOSURES AND AMENDMENTS: the following applicable disclosures and amendments to this Gap Waiver will apply: A. The $25,000 limitation on the maximum Gap Amount waived does not apply. B. The time period within which Customer must provide the documentation in paragraph 3 on page 1 of this Gap Waiver in the event of Total Loss, is revised to be within 90 days of the primary carrier settlement or from the date Creditor notifies Customer of any deficiency balance owed, whichever is later. If Customer fails to provide the requested documentation within this time period, then Creditor will not waive the Gap Amount. Administrator: Knight Management Insurance Services, LLC 4751 Wilshire Blvd., Ste. 111, Los Angeles, CA 90010 Toll-Free Tel.: (888) 333-8198 Form: WFS COLORADO ONLY GAP 12/17 | Form No: 801.1608.KMIS The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:34 AM. Page 2 Waiver Number: WFS - Westlake Guaranteed Auto Protection – GAP Waiver Addendum 66075631 GUARANTEED ASSET PROTECTION (GAP) WAIVER COLORADO CANCELLATION FORM If you purchased this Gap Waiver in Colorado, you have an unconditional right to cancel this Gap Waiver for any reason for a period of thirty (30) days after the date of purchase (the “Free Look Period”). In order to cancel, you must complete this form or provide other written notice of cancellation. For a full refund, the request for cancellation must be postmarked or delivered to Administrator before midnight on the 30th day after the date this Gap Waiver was purchased by Customer, at the following address: Knight Management Insurance Services, LLC 4751 Wilshire Blvd., Ste. 111 Los Angeles, CA 90010 Cancellation Request: I hereby request cancellation of my Gap Waiver. Name________________________________________ Telephone Number (____)__________________________________ Copy of Address ________________________________________________ City_________________________ Zip _______________ Gap Waiver Number ________________________________ Date of Purchase _______________________________________ Year of Vehicle __________ Make of Vehicle ______________________ Model of Vehicle ______________________________ Vehicle Identification Number (VIN) __________________________________________________________________________ __________________________________ SIGNATURE ________________________ DATE Original Form: WFS MULTI-STATE GAP COLORADO ONLY 12/17 | Form No: 801.1608.KMIS The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:34 AM. About Printing Requirements Reset Show Field Borders ODOMETER DISCLOSURE STATEMENT Federal law (and State law, if applicable) requires that you state the mileage upon transfer of ownership. Failure to complete or providing a false statement may result in fines and/or imprisonment. Jambo Motors I, (transferor's name, print) state that the odometer now reads 124283 (no tenths) miles and to the best of my knowledge that it reflects the actual mileage of the vehicle described below, unless one of the following statements is checked. Copy of l (1) I hereby certify that to the best of my knowledge the odometer reading reflects the amount of mileage in excess of its mechanical limits. l (2) I hereby certify that the odometer reading is NOT the actual mileage. Make Jeep Model Wrangler Body Type SUV WARNING f ODOMETER DISCREPANCY. Vehicle Identification Number 1J4GA39149L744344 Year 2009 7/2/2021 Date of Statement eSigned By: eSigned By: natalia carter Tizeta Birhane Teklehaymanot Jul 02, 2021 3:24:02 PM PDT Jul 02, 2021 3:21:56 PM PDT (Transferor's Signature) (Transferee's Signature) Jambo Motors natalia marie carter (Printed Name) (Printed Name) Original TRANSFEROR'S NAME AND ADDRESS TRANSFEREE'S NAME AND ADDRESS Jambo Motors natalia marie carter (Printed Name) (Printed Name) 6880 E Colfax Ave 12033 E Harvard Ave Apt 107 (Street or Address) (Street or Address) Denver (City) CO 80220 (State) (Zip) Aurora CO 80014 (City) (State) (Zip) Odometer Disclosure Statement ODS 4/24/2007 ® ©2017 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. The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:34 AM. About Printing Requirements Reset Show Field Borders Agreement to Provide Insurance Seller\Lessor (Name and Address) Jambo Motors 6880 E Colfax Ave Denver, CO 80220 Buyer\Lessee (Name(s) and Address(es) natalia marie carter 12033 E Harvard Ave Apt 107 Aurora, CO 80014 Transaction No. 3371 Date 7/2/2021 Insurance Requirements Coverage Acknowledgment of Insurance Requirements. You have entered into a transaction with the Seller\Dealer that requires you to keep the collateral associated with the transaction insured. Your transaction documents contain the details of the insurance requirements. You agree that the Seller\Lessor (or its Assignee) has the authority to contact the insurance company for any issues related to the insurance coverage for this transaction. l Collision l Comprehensive l Deductible $ Deductible $ Deductible $ Loss Payee (Name and Address) Westlake Financial 4751 Wilshire Blvd. Suite 100 Los Angeles, CA 90010 Copy of Vehicle Description N/A N/A Signatures Year 2009 Make Jeep Model Wrangler VIN 1J4GA39149L744344 Other: By signing below, you acknowledge receipt of a copy of this Agreement to Provide Insurance. eSigned By: natalia carter X Jul 02, 2021 3:24:11 PM PDT natalia marie carter 7/2/2021 Date Insurance Company and Agent Insurance Company Policy number: Effective from Original to X Date Insurance Agent (Name, Address and Phone) Agreement to Provide Insurance Bankers Systems * Wolters Kluwer Financial Services API-RETAIL 11/19/2010 - 1998, 2010 Page 1 of 1 The original document is held by Westlake Services, LLC, as Collateral Custodian, on behalf of Wells Fargo Bank, National Association, as Agent. Copy created on Feb 14, 2022 03:22:34 AM.