USED CAR/NEW CAR Nea Trem TOCATION FINANCE] CAST DEALER TRACK CREDIT APP pT x [RISK BASED/PRIVACY POLICY OT E |OFAC/RED FLAG. x x TUT PU JALLTRADE PAPERWORK (SEE BELOW) [ow x x ISOLD CAR ODOMETER STATEMENT Ms x x ISOLD CARPOA DMS. x x [AGREEMENT TO PROVIDE INSURANCE [DMS x x TLE [c0-siGNER (applicable) DMs x x WE Owe DMs x x <_|CUSTOMER OWES [DMS x x —_|RECALL/ACKNOWLEDGE FORM. ISAFECAR, x x [CARFAX han x x INMVTIS/PREVIOUS ACCIDENT FORM |DMS/VIN x x BUYERS GUIDE OMS xX x [ACKOWLEDGEMENT OF ASS DMs x x ZJenu parwin | x x DISCLOSURE DARWIN | x x SMART PAYMENT SMART x x L7 pracoucr conTRAcTS. DARWIN, 5 x ARMA FOR LIST OF ACCEPTABLE DOCUMENTS, GO TO WWW.BMV/OHIO, GOV ACCEPTABLE DOCUMENTS LIST: FORM BMV 24247 HV 2430 Gh spun ya whe eat ren cara repeaniy cone. 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THlS COMPLETED FOBU MUST BE ATTACHED TR THE BMV APPLICATION... ‘6mm sept Sv ay mec wat aun robe raat (ene [isao toque ny now nn ironman sh ae or wh wee Fora ‘oor or Govtnaat a REQUIGD: «Wane spn Oar uat efi! Aa cn rgnion op pen cout appa. ‘nv pat aan wo Pas 0 Svow Sor Or RSURANCE Om OWEN COVERAGE War nar sr le eure a ton, ONE YEAR a Se Sea ete Lee isan tes aegis aymicneert os On bor cre 2000 cd ane Sane ert none ert ay 000 poy yas ae a eden ops ND =e ous maa pecan Geen pusenaion sm aPFET: nyo oeear soe wna ve rh mn sd i cit tt 300473 ot © Stn en te a era ew tundra par ats emo of aa eee 1 ei estat arc Reet oa ea en wn) = Let oes ‘Was Yves cans 00 WOT PnEVEN THE POSEY THAT YOU MAY BE vOLVEDIN AN ACIDT WTA PERSON WHO WAS HOIMBURANCE OR OTHER FR COVERAGE {en REQUneD por oF COVERAGE MAYBE SHOWN RY ANY OFTHE FOLLOWING: = AK NSURANGE POLY surg alma by nares tm 2500080 hy ‘pen sna oy nc nore prre 2500 opty arg AA NEURONE DONTVATION CARD fa og“ SURETY BOND OF $005 sandy amy ‘Satter amps sgey =A BW BOND SECURED SY REALESTATE rug est ea Sano A Dl CERTHIEATE FOR WONEY O COVERAENT BONOS ‘Siemon pn cham eA Su ERTS OF SEP ONE tm ey Denese eae haben rot ‘BMY 57360 1121 [760-1512] RESTRICTEDInstructions to DeslerAeaner yu acca nc contents angst 1 ASE rein teen ton om om: wt inoue AGREEMENT TO PROVIDE INSURANCE yo: SANTANDER CONSUMER USA FOREWORHT. 1 761610000 payable endorsement n favor of the AssigneeILIenholder. My present insurance coverage includes the required coverage. 1 WILL MAINTAIN CONTINUOUS INSURANCE through the insurance company shown below, requesting my agent to note the Assignee/Lienholders interest in the vehicle and endorse the policy with a loss FOFL-PR 18206 066 05 pi se = eae PURCHASER INSURANCE COMPANY Nave [OLIVIA MERCEDES LAKATOS ] eS = hws = | \aee sx soneo vo | [eB ee | [ee PARMA, OH 441300000 | Datat | em 050523 To NA INSURANCE AGENT Gener xe eae i ha coweye [EI cOUSONDEDUCTINE WA sa Spear mer meena verso ae eas ome. | - 05/05/23. Purchaser Signature (REQUIRED) Date ot. 95105125 Dealer Salesperson Signature (REGUIRED) DateNorth East Auto Credit, 5700 Brookpark Rd Cleveland, OH 44129 (216) 398-6892 ane Olvia Mercedes Lakatos srno 009633F01ewE] _useo RL poness 10820 Bobko Blva vyenn2020 ace Toyota cry Cleveland ror zp 44129 ope. Camry pone (440) 654-0307 (440) 654-0307 seniat wo 4T1M11BK3LU003633, sazcman Michael MeDougall_006 ye pare OSMAY2025, on Tame OF TE aa 5 JGHECK, ADVISE AND BUFF SCRATCHES oO 3 5 8 "Thy aap te WE-OWE wlth undeatanng Wa salir ony (00) HRT DAYS FROM DEPARTMENT before the sbove work canbe parad (FOR Arp MENT gn i ‘SERVICE DEPT.) (05/05/2023 ] RRND TOBE REGENED 1) Title to Trade In Vehicle 5) Other 2) All Monies 6) Other 3) Valid Insurance Card 7) Other 4) Other 8) Other DEAL JACRET | here by agree to provide the above listed item(s) o the dealer. | understand thatthe sales transaction is not ‘complete unt | provide such items, x APPROVED BY: a = are: 05/05/2023area annewuasaiday diysiajeaq pazuowny ~Fzis050 —ZT ~ (CANaW.uvdad aDTAUAS TIVD ‘LNJWINIOddY Ys) ea sedng-03 8818 08 $$ “pauusojiad aq ue> >0m anoge at al0saq ANaWANvdaG 3OIAWSS 3HL HIIM LNAWINIOddv 3DNVAGY Ue yeu snus a a 1 38u) pue ‘3DNYNSSI 4O 3LVG 3HL WOUS SAVG (pT) N3ZLUNOS AlUo 40} pilen st 31 38uR Bu!pueyssapun aU YUM 3MO 3M sila 33092 Aqa.ay T rrr ‘GaSINOUd ONIHLON] G3MO ONIHLON} wos) Auvd Wall ALO ~~ zis07s0 TVONOGOW TVHOIN one I ESCO TENETTATLY Rane WIOAOL ~~ | Oe0e anne — epiuen ee tebe HOTWIRE fp INS ~~“ GATa OnE08 Oze0H] a - a ~~ SOLWHVT S3039USN VIANTO| akng-0 co8199-ZZb-O£E Our] djaH 42]2aq yeyU0D ZaoUeYSISSY PION ao steve Buuanjea a8eueyy BuU2Ke0 uO ez02s00 ‘SYNORL SON Sa I) mea vakng-oy mea ana seQuelajoy ae ip aGed uoNee|peq/euesNsul JO jood ‘@0UEpISEY JO JOO1d Jeproyuen, 9015 ap wan ‘VST WISNOD HIONVINVS ToseEse00 UCD} JO JOO1d vv9E-68E (Opp) xes3 + wos'ypassomneau@EzToqe ‘aur dia} s2]eaq ayp e1A syuaWNoop Jo yd19904 UHitJUOD aseajd ‘panlaDas a1aMm Kay JeYY BaIUELENS e JOU SI JaIeap atp 02 sJUaLUNdOp BUIpUs {1uNODde JNOA 0} Hull 01 BAYS J9AOD xey aya Se I9BYS SIMA Bulsn mojaq pars!| Jaquunu xe) 40 WeUl-2 aya YBNosLA suONe|Ndhs puas aseaig + “8199-7zb-O€E aun djaH s2]e20 ano yeWUOD Zaduers\sse PIN “siNOY-Z/ 10 Shep ssauisnq aas4y UILAIN JaIeap ayy 0} sUONE|Ndns pasinbas |Je apInoid 04 SdaUBe (s|JaWOISN « “aut yay pue ado UoHe>!UNWUIOD Jo Sault] B1UO9 INOA |Je daBy aseajd “UEO} AMOK Jo UO!IPUOD e se aUOYd Aq NOA }2eWUO: ‘au 404 Auanbay, way, s4apuaj ‘595e9 150W U}» Sessa 40} Anuanbayy way y29y> pue SIMO YAINOLSND OEACKNOWLEDGEMENT OF RECEIPT By signing below, | acknowledge that | have been provided a copy of the NHTSA’s Recall search result for the vehicle that | am purchasing From North East Auto Credit, a 2o20 TOvOTACAMRY (Vehicle year/make/model) with VIN __ 002692 _(Last six digits). Recall information provided through this VIN lookup tool is provided by the manufacturer providing the recall. CuMA MERCEDES LAKATOS Birthefsp— wm Customer's Name Customer's Signature DateVIN: 471M 1BK3LU003633, Year: 2020 Make: TOYOTA Model: Camry Number of Open Recalls: 0 Additional Safety Information Besides the VIN search tool you just used, NHTSA offer adaltional safety information bbased on a vehicle's make, model, and model year and not tied to any particular VIN, A search by vehicle make, model, and model year gives you access to information about technical service bulletins, NHTSA investigations, and owner complaints, as wel as safely recalls on aftermarket equipment that is offen not linked toa particular VIN or even o your Vehicle's manufacturer. ‘To search NHTSA's safety information based on your vehicle's make, model, and mode! year, please go to the Safety Issues & Recalls section and follow the instructions there. Recall information for this manufacturer is only available going back to January 01, 1999. f your vehicle was manufactured before this date, please contact the manufacturer for Possible additional recall information. 7 Enter another VIN here: 471M11BK3LU003633 Im nota robot ‘Submit ty QeThis report provided free of charge by: North Coast Auto Mall Parma sim eaciaLx1 RUVnvires 5700 Brookpark Rd 3.4/5.0 @4 | Cs Cleveland, OH 44129 13 Verified Reviews Customer Favorites | (216) 278-7467 EGGX) History-Based Value Report History events affecting this vehicle's value ey ey ey e3 ° » m oa No Accidents 1-Owner Regular Oil Personal Reported Vehicle Changes Vehicle a a ee $27,970 Retail Value Vehicle History Report™ Us $44.99 2020 TOYOTA CAMRY No accidents or damage reported to CARFAX SE VIN: 4T1M11BK3LU003633 SEDAN 4DR Ww Regular oil changes 25L14 GASOLINE r ‘ALL WHEEL DRIVE GB canrax1-owner vehicle 3 CARFAX Report Provided North Coast Auto Mall Parma 3.4/5.0 @ Last owned in New Jersey 13 Verified Reviews: @ 4 customer Favorites #% Personal lease vehicle [E) 23,980 Last reported odometer reading This CARFAX Vehicle History Report is based only on information supplied to CARFAX and available as of 5/5/23 at 5:45:09 PM (CDT). Other information about this vehicle, including problems, may not have been reported to CARFAX. Use this report as one important tool, along with a vehicle inspection and test drive, to make a better decision about your next used car. OL(CAENAL x) Ownership History The number of owners is estimated Year purchased Type of owner Estimated length of ownership Owned in the following states/provinces Estimated miles driven per year Last reported odometer reading (ARNIS) Title History CARFAX guarantees the information in this section Damage Brands Salvage | Junk | Rebuilt | Fire | Flood | Hail | Lemon Odometer Brands Not Actual Mileage | Exceeds Mechanical Limits included in this report, CARFAX will buy this vehicle back. View Terms | View Certificate (GEMAIEIEYX) Additional History Not all accidents / issues are reported to CARFAX. Total Loss No total loss reported to CARFAX. Structural Damage No structural damage reported to CARFAX. Airbag Deployment No airbag deployment reported to CARFAX. Odometer Check No indication of an odometer rollback. Accident / Damage No accidents or damage reported to CARFAX. Manufacturer Recall No open recalls reported to CARFAX. Check with an authorized Toyota dealer for any open recalls. View Toyota disclosure Owner 1 2020 Personal lease 2yrs. 7 mo. New Jersey 9,059/yr 23,980 Owner 1 Guaranteed No Problem Guaranteed No Problem GUARANTEED - None of these major title problems were reported by a state Department of Motor Vehicles (DMV). If you find that any of these title problems were reported by a DMV and not Owner 1 No Issues, Reported No Issues Reported No Issues Reported No Issues Indicated No Issues @ Reported No Recalls Reported oBasic Warranty Warranty Original warranty estimated to have 3 months or 12,020 miles remaining. Active (GENET) Detailed History & Owner 1 Purchased: 2020 Low mileage! This owner drove less | than the industry average of 15,000 miles per year. ae Date Mileage Source 06/01/2020 NICB 06/18/2020 Hudson Toyota 06/29/2020 06/29/2020 07/24/2020 3 12/31/2020 2,988 Jersey City, NJ 201-433-0009 hudsontoyota.com 4.5/5.0 707 Verified Reviews Customer © 12318 Fee Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com 45/5.0 707 Verified Reviews Customer 1215 Favorites ECP Certified Installer 800-323-3521 ecpinc.net 4.5/5.0 113 Verified Reviews @ 1 Customer Favorite New Jersey Motor Vehicle Dept. Jersey City, NJ Title #6D20202062250 Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com *% x _ *% Personal Lease Vehicle 9,059 mi/yr Comments Vehicle manufactured and shipped to New Jersey Vehicle serviced -Pre-delivery inspection completed Vehicle serviced -Vehicle washed/detailed Vehicle serviced -Paint protection applied Title issued or updated Registration issued or renewed - First owner reported -Titled or registered as personal lease vehicle -Vehicle color noted as Gray Vehicle serviced - Inspection performed -Alignment checked -Maintenance inspection completed or08/20/2021 02/15/2022 07/08/2022 03/17/2023 03/17/2023 03/23/2023 6,358 11,599 16,853 23,976 23,980 4.5/5.0 707 Verified Reviews Customer 12115 Favorites Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com 4.5/5.0 707 Verified Reviews Customer 12.115 Favorites Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com 4.5/5.0 707 Verified Reviews Customer 121115 Favorites Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com 4.5/5.0 707 Verified Reviews Customer 12.115 Favorites Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com/ 4.5/5.0 707 Verified Reviews Customer 12.115 Favorites Hudson Toyota Jersey City, NJ 201-433-0009 hudsontoyota.com 4.5/5.0 707 Verified Reviews Customer 12115 Favorites New Jersey Motor Vehicle Dept. Jersey City, NJ Title #DA20230820658 *> | PLUS! BALANEE OWED ON TRADE- Na NA NA IN(S neudes any negative equity") Wa [he sof S_—SERELAG_— war caved rom ou a3 MUGRTIVE FOUN ou we ae he Sc Sul (ene) Sacpnfor aye st lenyou ace vane Tr vee mee Fan TOTAL OUE twain wcaptesttern bs sereeent ne pe Atwater rend you ewe ESS DEPORT ('S"depos un wil schaty sinh wehle ore Teta Out beers bye aferenes frown 2 = azsaoteei aL brEIED Oo Bhp . AS anGE fo torr] [UNPAID BALANCE Buyer's Ordar Page 13 soreness OLADDITIONAL TERMS AND CONDITIONS (We have the right to increase the Vehicle price. We may increase the price ofthe Vehicle after we accept this Agreement if any Trade- In Vehicle described aboveisreappraised, new equipmentis required by state or Federal law, or the increase is caused by state or federal tax rate changes. ifthe price is increased, you may cancel this ‘Agreement with fll refund of any Depost/Down Payment, provided that the cancelation occurs prior € yOu taking delivery of the purchased Vehicle ‘Manufacturer ~ New Vehicle Pricing, Design and Avalability. The manufacturer of the Vehicle (the *Manufacture) may change or ‘ody the design of or any part or accessory ofits new vehicles without otic tous. Ifthis occurs, ou agree that you will not have any claim or right against us ifthe Vehlele does not contain such ‘changes oF modifications, nor shall we be required to effect such ‘changes or modifications tothe Vehicle. Buyer Representations and Warranties. You represent, warrant and affirm tous that: + you are not purchasing a new Vehicle for resale ‘or export within the period beginning on the date the Vehicle tite Is issued to you and ending on the date 1 year thereafter; + you ‘acknowledge that we are relying on this representation and agree ‘that we would not sell the Vehci to you without this representation. If we are required by the Manufacturer to forfeit or repay any manufacturer incentives, allowance and/or special pricing, or if we Suffer any loss oF harm as a esult of your breach ofthis provision, ‘you agree to indemnify and hold us harmless rom any such cost, oss br harm suffered as a result of or arising because of your breach; « the Deposit/Down Payment and any amounts due to us have been paid in ful, any check given to us will be honored by your bank, and that no patt ofthe Deposi/Down Payment has been loaned to you by ur or any third party; «all statements made by you ia this ‘Agreement and anyother documents completed in connection with this transaction are true and correct; » you are the person you have represented yourself tobe and you have purchased the Vehicle for Your own use and not on behalf of another person, unless you have. Gislosed otherwise to us; and any Trade-In Vehicle delivered to us has been properly tied to you, has never been titled as or declared 2 total oss, salvage, junk, rebuilt, Nod, or lemon buyback vehicle; ‘that you have the right to sell r otherwise convey such vehicle; that such vehicle fre and clear of liens or encumbrances, except as may bbe noted inthis Agreement; all emissions control equipment son the vehicle and in satisfactory working order; and, unless you have told Us otherwise, that you have not removed any equipment from the vehicle subsequent to our appraisal and that the odometer reading shown is accurate ‘Trade-in Vehicle: Any Trade-in Vehicle delivered by you to us ia connection with ths transaction must be accompanied by 2 Cerifiate of Tite or documents sufficient to enable us to obtain a Certfeate of Title to the Trade-in Vehicle in accordance with applicable state law. If you are delivering a Trade-in Vehicle in Connection with this transaction and the actual amount of the balance owed on the Trade-in Vehicle is greater than the amount of the Balance Owed as listed in this Agreement, you agree to pay the difference tous. lf the atual amount of the balance owedis ies than the amount iste, we will pay or credit the difference to you. Ifyou are delivering a Trade-in Vehicle to us in connection with this trantaction and the delvery will not be made until delvery of the Vehicle being purchased from us, we have the right to reappraise your Tradesn Vehicle at the time of delvery, The reappralsed “mount shall be the amount allowed for the Trade-In Vehicle ln ths transaction. If you are dissatisfied with the reappraisal, you may cancel this Agreement with full refund of any Depost/Down Payment, provided thatthe cancelation occurs prior to you taking delivery ofthe purchased Vehicle . Cancellation Remedies: You agree that we are not liable for any damages resulting fom our fallureto deliver the Vehicle ifthe failure is caused bythe Manufacturer, an accident, fre, act of nature or any other causes beyond our control. This Agreement may be Fenegotiated or cancelled (with full refund of any Deposit/Down Payment) if the Vehicle is not delvered to you pursuant Paragraphs 1 or 4. you have delivered a Trade-In Vehicle tous, the Trade-in Vehicle wil be returned to you if we have not already sold I if we have already sold the Trade-in Vehicle, we wil refund the agreed upon Trade-In Allowance. Regardless of whether we return the Trade-In Vehicle or have already soldi, you are responsible for paying tous the Balance Owed on the Trade-In Vehicle if we have ald the Balance Owed tothe Lienholder. We may keep any portion Of the amount you have paid to us as @ Deposit/Down Payment and any Trade-in Allowance we owe to you to offset against the amount you owe us. Ifthe actual amount you owe to us is greater than the amount of the Deposit/Down Payment, you agree to pay the ‘ference to us, the actual amount you owe islessthan the amount ‘ofthe Deposit/ Down Payment, we will pay the difference to you. You fare responsible for paying the cost of repairing any damage and any other losses, labilies, damages, claims, costs and expenses arising ‘ut of your use, possession and contral ofthe Vehicle. . Default: In the event you have agreed to pay the Unpald Balance ‘escrbed on the fist page of this Agreement in cash o financing i being obtained by you through a credit source of your choice and we donot receive the Unpaid Balance fram you at the ume of delivery ofthe Vehicle or on the date promised inthis Agreement, you fll to perform any of your other obligations under this Agreement, or you breach any representation or warranty made by you tous, we may, at our sole discretion, exercise the remedies provided in this ‘Agreement or otherwise avaliable at law or equity, ether separately lortogethe, including the following: « we may canclthis Agreement; * we may repossess the Vehicle without notice if permitted byl): “we may rescind the sles transaction; + we may seek collection for amounts due; + we may retain any cash down payment made by YoU: and «inthe event that you have delivered a Trade-In Vehicle 2s part, Of the consideration for your purchase of the Vehicle from us, we ‘may sel such Trade-in Vehicle and reimburse the Seller out ofthe proceeds of such sale for any reasonable expenses incurred in Connection with preparing and offering the Trade-In Vehite for sale and any actual damages suffered by the Seller asa result of your Gefault: Regardless of whether we return the Trade-in Vehicle or have already Sold, you are responsible fr paying tous the Balance ‘Owed on the Trade-in Vehicle if we have paid the Balance Owed to the Lienholder(s) described on the fist page of this Agreement and for any reasonable expenses incurred by the Sellerinconnection with preparing or reconditioning the Trade-in Vehice forsale. Any walver by of a remedy hereunder isnot a continuing waiver. i the actual ‘amount you owe us i greater than the amount ofthe down payment “and/or proceeds fom the sale of your Trade-in Vehicle, you must pay the difference tous upon demand. ifthe actual amount you owe is less the proceeds of such sale, then we wil pay te dference to you. (Other Products and Services: We offer our customers goods and services from various suppliers. The amounts charged to customers {for such goods or services may be greater than our cost, and/or we ‘may eeceive a commission or other payment in connection with such sale. You are not required to purchase any other goods or services, {rom us, nor are you required to finance the Unpaid Balance under ‘this Agreement with a particular lender. If this Agreement includes a charge for other goods of services for which you must complete an ‘application for coverage, and for any reason such coverage cannot be provided, you wil receive a credit forthe amount charged. I the ‘cost of other goods or services was included in Unpaid Balance, then ‘we wil apply an appropriate credit tothe balance you owe under this Financing: If you choose us to assist you to obtain financing for payment ofthe Unpaid Balance, you give us permission to submit credit aplieations on your behalf to third-party france sources. Any annual percentage rate (APR) quoted by us may be Negotiable, and we may receive a fee, commission of other ‘compensation from any third-party finance source. We do not make any representations or warranties regarding whether you obtained the best APR or could have obtained a better APR from us o a this party finance source. yer’ Order Page 23 suet unise OL Te9. GOVERNING LAW: THE TERMS AND CONDITIONS OF THIS AGREEMENT (INCLUDING ANY DOCUMENTS WHICH ARE A PART OF ‘THIS TRANSACTION OR INCORPORATED HEREIN BY REFERENCE) [AND ANY SALE HEREUNDER WILL BE GOVERNED BY THE LAWS OF ‘THE STATE OF OHO. 10, LIMIT. ON DAMAGES: TO THE EXTENT PERMITTED BY OHIO LAW, BUYER EXPRESSLY WAIVES AND SHALL NOT BE ENTITLED TO RECOVER FROM THE SELLER ANY CONSEQUENTIAL DAMAGES, DAMAGES TO PROPERTY, DAMAGES FOR LOSS OF USE, LOSS OF TIME, LOSS OF PROFITS OR INCOME, OR ANY OTHER INCIDENTAL DAMAGES. 11, Entire Agreement: This Agreement and any documents which are partof this transaction or incorporated herein by reference comprise the entire agreement affecting this transaction. No other agreement or understanding of any nature has been made or willbe cecogrized. You agree ta sign any and all documents necessary to complete the terms ofthis transaction, 12, Arbitration: Ether you or we may choose to have any dispute arising Under this Agreement esolved by binding neutral arbitration under the rules then in effect of the American Arbitration Assocation CAAA" or anyother arbitration organization you choose and that we approve in writing ("the Arbitration Organization") The arbitration shal be conducted under the then current rules of the Arbitration (Organization and not by any state law concerming arbitration. You may get 2 copy of the rules of an Arbitration Organization by Contacting. the Arbitration Organization or visting its website Neither you nor we wave the right to arbitrate by using self-help remedies, such as repossession, or by fling an action to recover 3 deficiency balance or for individual injunctive elie. Either of us may floc to arbitrate even if an action has been filed in court, so long a5 ‘no judgment has been rendered. You and we retain the right to seek Femedies In small claims court for disputes or claims within that ‘cour’ jurisdiction, unless such action is transferred, removed oF appealed to a diferent court. single arbitrator shall hold the arbitration hearing at 2 location near where you signed this ‘Agreement (or, f you have since moved, nthe federal judeal istrict, where you lve). The arbitrator shall apply applicable law, including ‘applicable statutes of imitation. The arbitrator's award shal be final And binging on all parties, subject to any limited right to appeal under the Federal Arbitration Act. Either party may enter judgment on the award in the highest local, state or federal court of before any ‘administrative body. We agree to pay any initial fling fee you may ‘owe should you choose to arbitrate, Additionally, we agree for only the fist day of arbitration to pay the following fees upto a maximum of $2500 inthe aggregate uness the aw or the rues ofthe chosen arbitration organization require us to pay more: the arbitrator's ee, those reasonable arbitration expenses or costs (exctuding attorney fees) assessed to you that you would not pay if you had brought 3 dispute in cour, and any other reasonable expense or cst unique to the arbitration process. We wil also pay other amounts an arbitrator determines that we must pay in order to assure te enforceability of this arbitration provision. The amount we pay may be reimbursed in wile orn part by decision of the arbitrator ifthe arbitrator finds that any of your claims are frivolous under applicable law. This arbitration provision shal survive termination oF expiration of tis ‘Agreement. NO CLASS ACTION ARBITRATION MAY 8€ BROUGHT OR (ORDERED UNDER THIS ARBITRATION PROVISION AND THERE SHALL ‘BE NO JOINDER OF PARTIES, EXCEPT FOR JOINDER OF PARTIES TO THIS AGREEMENT. IF EITHER YOU OR WE CHOOSE TO ARBITRATE, THE FOLLOWING WARNINGS APPLY: ALL DISPUTES BETWEEN YOU [AND US WILL BE RESOLVED BY BINDING ARBITRATION; YOU WiLL GIVE UP THE RIGHT TO SEEK REMEDIES IN COURT, INCLUDING THE RIGHT TO AJURY TRIAL; YOUR ABILITY TO COMPEL OTHER PARTIES ‘TO PRODUCE DOCUMENTS OR BE EXAMINED WILL BE MORE LIMITED INARBITRATION THAN IN A LAWSUIT; AND, YOUR RIGHTS TO APPEAL (OR CHANGE AN ARBITRATION AWARD IN COURT WILL BE VERY LUMITED. If any pat ofthis arbitration provision, other than waivers cof clas action rights, is deemed or found tobe unenforceable forany eason, the remainder shall remain enforceable Ifa waiver of cass faction igtsis deemed or found tobe unenforceable for any reason In a case in which clas action allegations have been made, the remainder of tis arbitration provision shall be unenforceable, You land we agree that this Agreement evidences a transaction in interstate commerce. This Arbitration provision is governed by the Federal Arbitration Act, 9 US.C. §6 1 et seq. and not by any state arbitration aw. if you don’t want this arbitration provision to apply, you may reectt ‘by mailing us at 5755 Granger Rd, Ste. 777, Independence, OH 44131 a writen rejection notice which identifies this Agreement and tel’ us that you are rejecting this arbitration provision. rejection notice 's effective only If tis signed by each Buyer and the envelope the ‘ejection Is sent in has a postmark of L¢ days or less after the date of this Agreement. The rejection ofthis arbitration provision will not affect any other provision of tis Agreement. if you don’t reject ths arbitration provision, it will be effective as of the date of this ‘Agreement, ‘This Agreement and any documents which are part of this transaction or incorporated herein comprise the entie agreement affecting ths Agreement and no other agreement or understanding of any nature concering the same has been made or entered into or willbe recognised. You have read al of ‘the terms and conditions ofthis Agreement, You further acknowledge receipt of a copy ofthis Agreement, This Agreement shall not become binding nti signed and accepted by an Authorized Seller Representative Be ‘Accepted by Authorized Seller Representative Buyer Consuyer ‘yes Order Page 303 poeta esosLAW 553-OH-ARB-eps 4/23 RETAIL INSTALLMENT SALE CONTRACT - SIMPLE FINANCE CHARGE (WITH ARBITRATION PROVISION) Tijana aa Ase [nladag Carty and ip Cada) | CoBip Nana sa aes naira Cay aap Com] Soler redor (Name and Aaa Ot MERCEOES LAKATOS NORTAEAST AUTO CREDIT LLC DBA NORTH Co| 40820 BOBKO BLVD NA 5700 BROOKPARK RO PARWA, OH 44330, (CLEVELAND, OH 44129 CUYAHOGA Cet e40}654-0207 ‘cana Email OUVIADAVIES27@ YAHOO.COM mal NA You, the Buyer (and Co-Buyer,ifany), may buy the vehicle below for cash or on credit, By signing this contrac, you choose to buy the vehicle on credit under the agreements in this contract. You agree to pay the Seller - Creditor (sometimes “we” or “us” in this contract) the Amount Financed ‘and Finance Charge in U.S. funds according tothe payment schedule below. We will gure your finance charge on a dally basis at the Base Rate of 18.84 _% per year. The Truth-In-Lending Disclosures below are part of this contract. fentnea aw ee vance ionmnie ater | ames |___Fan srw Pca ‘Parsonal, family, or household unless: eee Coss useo_| 2020 TOYOTA CAMRY TiN 1aK31.v003693 Cageeutural NA FEDERAL TRUTH-IN-LENDING DISCLOSURES ‘Returned Check Charge: You agree to pay a BUNA] PHAGE Yo areort | cteutot | Taian [sss ceron sa rayarckorge PERCENTAGE | CHARGE Financed Payments Price charge not to exceed $20 if any check you gh ase | SHARE | cranes | nema, | a Beltane | [us wera coat, | maternal |oecrm.| mmmens seman | Tuhgr | sthonraieey| mapas pears | Ske | cess, [umeanel) Selltgiew | (aro ot cen wom Fe Fos m Gon wane | Beers |e wa , 1984 od 770.08 _ ‘Your Payment Schedule Will Be: Monber of | Amount of Payments | Payments 52038000 RIGHT TO CANCEL (e) means anesirate] | Buyer and Co-buyer sign here, the provisions of the Right to Cancel section on page 4, which gives you and Seller the right to cancel it Seller was wa Wa is unable to assign this contract within __15__ days, will apply. Please see Na page 4 of this contract for important terms of this right to cancel. ra__|s__ 06.75 beginning 067912023, Late Charge. payer isnot received inf within 10 — days ater ts de, you wil pay a ate charge _5__% ofeach instalment, whichever is _ateater Prepayment. you pay ea, yu wi ol have o pay a penal. Buyer Signs X___ NA ‘Security Interest ou are ging a secur itres in the vehicle being purchased /Addtonal Information: See tis canract for more ilrmaton nexdng itormaten about nonpayment | | co syyer Signs X elu any required repaymantin ul eer he schacled date and secur ilar, ‘OPTIONAL GAP CONTRACT. A gip crc (tt ncaa ac] role obin el andl eb rod ules you on bow an yo py fe eka Gg. you house > by agp cnt. he chp shown in ba 2 le Renzaon of Ann arc. See you gap crate dts oth rs ard concn pos Nia patos con. Tem NA os. — - NA aa of ap Conta warn bya gap contact Buyer Sars NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY ‘THE DEBTOR HEREUNDER. The preceding NOTICE applies only to goods or services obtained primarily for personal, family, or household use. In all other cases, Buyer will not assert against any subsequent holder or assignee of this contract any claims or defenses the Buyer (debtor) may have against the Seller, or against the manufacturer of the vehicle or equipment obtained under this contract. NA sore sins x Blip __cosuy Sex LAW SS9-OH-ARB-ps 423 v1 Page 1 ofSITEMIZATION OF AMOUNT FINANCED 1 Cash pice of etic, accessors, and tes 2 Otter charges icing emounls pido ches on yourbehal (Selec may keep partof ese aus) ‘A Government as not india fn 1 above B Goverment registration feos REGISTRATION FEES. —— © Gomme crtcate of We oes nekdng Sen ntatan eet § 1 Net trade-in payot oA Optoral Gap Conact : 6 Documentary Fee Registration conwrience oe By ging hs ona, you agree to py fe rein serves provid by Seared at your quest and ou acknowledge Dt th saves po Mes hares Sle mus ey wh pd and deste pups) 27,2802 Tnsuranc. You may buy the pyscal damage insurance Mis contact roquras fom anyone you choose wa Is ‘zcplale ous. You Tay also onde the phyla ‘mage Purance Brough ar exsing poley owned oF ‘otto by you that acepaief us. You ae rt fequted to buy any ater surance obtain ced if ay ineuence is cheoad below, pls of ‘ereies tom he named surance corparies wi ‘ese he arms and canains Check the Insurance you want and sign below: Optional Credit Insurance Dowstuie: Ciewer Ccosuer Boh crest osabity. C1 Buyer CCo-uyer Ci Bon Premium: Cra ies. Credit sabi §| Insurance Conary Name NA, NA 8 Otter optonal insurance paid suarce Company o Compares “oaneuance charges 7 Amount nanced (oneal bance) (5 +6) 8 Regstaton comeience fe prepa nance charge) Na ona NA Heme Aa. ona NA Wi ona NA Ge We Rea wa cet Se Bae ne Remibdan seis sucrity ona ote oN cy insurance ard cvat cisabily insurance wil not be a factor in the ena NA ac es ore ea age pte me aes ores se, oA a ee ‘2st sown in Ham 6A ofthe amzation of Amour Firarced, ora WA alr eps ogr pt NA __ Wa I i ays Gua ty recs crn rer wk WA Sytem or pore ee is mer on, am = orerge br cet ance ae ably rane ® | fr ht ang ar eb at uy ees NA WA Siowtion eterna Na NA “Total other charges and amounts paid to others on your behalf $__287.00 | |3 Total cash pce (1 + 2) eae 4 Downpayment Other pe ebooel Insurance Tradein A oo NA ‘ Wa a nee Gross Trade-in Alowance $. NR ‘Premium $ NAL ‘Less Pay Otf Made By Seller to WA NA ‘Insurance Company Name WA Equals Net Tagen 8. wh WA +Cash Sea ‘Home Office Address. NIA 1 a : WA Wa tone Na aan: NA NAaeaeaEeaNA Pare Na i WA a nas Tom Tot dompayrent (regs et and ee ne 20 tom) $1500.00 4] | ranims NA 8 Unpaid anc of cash rn 4) $8078 3) | mse Canis rm, NR 6 Insurance V" A Cost of eponal ret insurance paid the insurance company or compares ‘Home Office Address | or NA ‘fe _ $$ s_"& NA devas WA rr cs i cue tan cd. on buy ret By at opona ncaa ‘eibea ces to coat spo proces Knott ‘owed uss you ig ano aiye 6 pay th xr cot. | went ensue checked ato. Year A, SELLERS INTIA'S a caer sion x Blane conye Sane x NA yng otic op ong rk poly oon ate Meee aaecseaeaes 9 Finance charge (including the prepaid france charge) $__11770.08 (| | NA NAL 10 Total ot payments (ime balance) (7 + 9) $__27 846.00 1a | Co-Bayer Signature Date rior yaa arpa Fan tan, sraamtenereome] | Aspe UENCE OE LIABILITY FOR BODILY INJURY OR PROPERTY DAMAGE CAUSED TO OTHERS. WITHOUT SUCH INSUR- ANCE YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC HIGHWAYS. TAWS59-OHARB-ops 423 v1 Page dofOTHER IMPORTANT AGREEMENTS FINANCE CHARGE AND PAYMENTS How we will figure Finance Charge. We will treat any prepaid finance charge as fully earned on the date of this Contract. We wil igure the rest of the Finance Charge on a dally basis at the Baso Rate on the unpaid part of the Principal Amount. Your Principal Amount is the sum of the ‘Amount Financed and the Prepaid Finance Charge, it any. How we will apply payments. We may apply each Payment to the eamed and unpaid part of the Finance Charge, to the unpaid part of the Amount Financed and to cother amounts you owe under this contract in any order we choose as the law allows. How late payments or early payments change what you must pay, We based the Finance Charge, Total of Payments, and Total Sale Price shown on page 1 of this Contract on the assumption that you will make every payment on the day itis due. Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay lat and less i you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smallor final payment, We will send you a tice telling you about these changes before the final scheduled payment is due. ‘You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. I You do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up tothe date of your payment Your right to refinance an irregular payment schedule. ‘An irregular payment schedule is one with payments not scheduled to be pald in substantially equal consecutive payments. you have an irregular payment schedule and i you are buying the vehicle primarily for personal, family, or household use, you may refinance this contract without penalty. The terms of the refinancing will be no less favor- ‘able 10 you than the terms of this contract. This provision does not apply if we adjusted your payment schedule to yur seasonal or irregular income. 2. YOUR OTHER PROMISES TO US Buyer Signs X If the vehicle is damaged, destroyed, or missing. You ‘agree to pay us all you owe under this contract even ifthe vehicle is damaged, destroyed, or missing Using the vehicle. You agree not to remove the vehicle {rom the U.S. or Canada, or to sell, ret, lease, or transfer any interestin the vehicle or this contract without our writen permission, You agree not to expose the vehicle to misuse, ‘Seizure, confiscation, of involuntary transfer. t we pay any repair bils, storage bills, taxes, fines, or charges on the vehicle, you agree to repay the amount when we ask frit Security interest. You give us a security interes in +The vehicle and all parts or goods put on it, +All money or goods received (proceeds) forthe vehicle; + All insurance, maintenance, service or other contract we finance for you: and + All proceeds from insurance, maintenance, service or ‘other contracts we finance for you. This includes any refunds of premiums or charges from the contracts. This secures payment of all you owe on this contrac. It also secures your other agreements in this contract. You wll make sure the tile shows our security interest (len) in the vehicle. You wil not allow any other security interest to be placed on the ‘ile without our writen permission, nobfph— Co-Buyer Signs X NA Insurance you must have on the vehicle. ‘You agree to have physical damage insurance covering loss ‘of or damage to the vehicle forthe term of this contrac. The insurance must cover our interest in the vehicle, You agree to name us on your insurance policy as loss payee. If you do not have this insurance, we may exercise our rights ‘under this contract, or if we choose, buy physical damage Ingurance covering our interest in the vehicle. If the vehicle [is lest or damaged, you agree that we may use any Insurance settiament to reduce what you owe or repair the vehicle. What happens to returned insurance, maintenance, service, or other contract charges. i we get a refund of insurance, maintenance, service, or other contract charges, you agree that we may subtract the refund from what you 3. IF YOU PAY LATE OR BREAK YOUR OTHER PROMISES ‘You may owe late charges. You will pay a late charge on ‘each late paymant as shown on page 1 of this contact. ‘Acceptance of a late payment or late charge does not ‘excuse your late payment or mean that you may keep ‘making lato payments. if you pay late, we may also take the steps described below. ‘You may have to pay all you owe at once. If you break your promises (default), we may demand that you pay all You owe on this contract at once (acceleraie). Default 1. You do not pay any payment on time; 2. You give false, incomplete, or misleading information uring credit application; 8. You start a proceeding in bankruptcy or one is started against you or your property; or 4. You break any agreements inthis contract. It your only detault is that you did not pay @ payment on time, we may accelerate this contract ony if your default continues for at least 30 days. Otherwise, we may accelerate any time ater you default, Our right to accelerate is subject to any right the law gives you to reinstate this contract. The amount you will owe wil be the unpaid part of the ‘Amount Financed plus the eamed and unpaid part of the Finance Charge, any late charges, and any amounts due because you defauited. We may take the vehicle from you. Ifyou default, we may take (repossess) the vehicle from you if we do so peacofully and the law allows it If your vehicle has an electronic tracking device (such as GPS), you agree that we may use the device to find the vehicle. if we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items ae inthe vehicle, we ‘may store them for you. It you do not ask for these items back, we may dispose of them as the law allows. How you can get the vehicle back if we take it. f we repossess the vehicle, in many situations, the law gives you the right to pay to get it back. We wil tell you what you have todo to get the vehicle back. LAW SSQ-OM-ARB-eps 4/23 v1 Page 3015